Pacific Debt Relief Review: One Of The Top Debt Consolidation Companies

Pacific Debt Relief Review

Disclosure: We receive advertising revenue from some partners. Learn More


Pacific Debt Relief is a well-rated debt consolidation company with a long track record of successful cases and reasonable fees. This Pacific Debt Relief Review provides helpful information to help you decide if it is the right option for you.


Pacific Debt Relief is a trusted debt consolidation company with more than two decades of experience helping thousands of individuals get out of debt. They specialize in consolidating unsecured and other debt-relief companies, making them a great choice for those who need help getting out of debt. With a track record of success, Pacific Debt Relief is a legitimate debt settlement company that offers a variety of options for serious debt relief. They are a great option for anyone looking for a reliable, proven way to reduce their unsecured debt.

Pacific Debt Relief Review: One Of The Top Debt Consolidation Companies 1

Pacific Debt Relief Pros And Cons


  • Lower debt payments: Pacific Debt Relief negotiates with creditors to lower your monthly payments.
  • Single monthly payment: With Pacific Debt Relief, you can consolidate multiple debts into a single monthly payment.
  • Professional negotiation: Pacific Debt Relief has experienced negotiators who can negotiate better terms with creditors on behalf of clients.


  • Fees: Pacific Debt Relief may charge substantial fees that add to the overall debt.
  • Negative impact on credit score: Missed payments or settlements for less than the full amount can adversely affect credit scores.
  • No guarantees: Pacific Debt Relief cannot guarantee creditors will accept its settlement offers, and negotiations may fail.

Pacific Debt Relief: What Does It Do?

Pacific Debt Relief Review: One Of The Top Debt Consolidation Companies 2

Debt relief company has been providing services to consumers since 2002 and has helped over 30,000 clients reduce $1 billion in debt. They offer services specializing in negotiation and settlement services to help people manage and reduce their debt.

This debt settlement services company is the ideal choice for people unable to make minimum payments or reduce their debt. They can help if you’ve lost your job or are dealing with a medical emergency. Working together, you can regain control of your debt.

Debt Relief Solutions offers a personalized plan to help you get out of debt with a great success rate. They understand everyone’s financial situation is different and work to develop a plan that works for you. Trust them to get you the best results and the right company to help you get back on your feet.

Ads Powered By Medallion

See If You Qualify for
Debt Consolidation in
  30 Seconds

Pacific Debt Relief: How Does It Work?

This company offers assistance to people who have unpaid unsecured debts, medical debts such as credit card balances, medical bills, and personal loans. The process usually goes like this:

  1. Consultation: The first step for consumers is to schedule a free consultation with Pacific Debt Relief, during which a debt specialist will assess their financial situation and determine whether debt settlement is a good option.
  2. Enrollment: As soon as the consumer decides to proceed with Pacific Debt Relief, they will enroll in the program and begin making monthly deposits into an account. The deposits will be used to settle the consumer’s debts with creditors.
  3. Negotiation: Pacific Debt Relief will negotiate on behalf of the consumer with creditors in an effort to reduce the amount owed. A settlement agreement involves the consumer paying a portion of the debt owed, and the creditor agrees to forgive the remainder.
  4. Settlements: Upon reaching a settlement agreement, Pacific Debt Relief will make payments to the creditor using funds accumulated in the designated account.
  5. Completion: Once all enrolled debts have been settled, the consumer is debt-free.

Debt settlement can be a good option for those in significant debt, but it can hurt your credit score. Research all debt relief options and consult a financial professional to consider the pros and cons of debt settlement process before making a final decision.

What Is The Qualification Process For Pacific Debt Relief?

In order to be eligible for the Pacific Debt Relief debt settlement program, typically an individual must fulfill certain requirements:

  • Unsecured debt: The program is designed for consumers who have unsecured debt, such as credit card debt, medical bills, or personal loans. Secured debts, such as mortgages or car loans, are not eligible for the program.
  • Financial hardship: Consumers must be experiencing financial hardship that makes it difficult to keep up with their debt payments. This could be due to a job loss, a reduction in income, or unexpected expenses.
  • Minimum debt: Typically, consumers must owe at least $10,000 in unsecured debt to be eligible for the program.
  • Ability to save: To participate in the program, consumers must be able to make monthly deposits into a designated account that will be used to settle their debts with creditors.
  • Willingness to commit: Consumers who enroll in the program must be willing to commit to making regular deposits into the designated account and working with Pacific Debt Relief to negotiate settlements with their creditors.

When considering debt settlement, it is important to understand the eligibility requirements for debt relief companies and settlement companies. To make sure you make the right decision for your situation, it is best to consult with a professional. Pacific Debt Relief offers a free consultation to help you determine if debt settlement is an appropriate option for your situation. This consultation can help you gain insight into your financial options and make an educated decision. With the help of Pacific Debt Relief’s free consultation, you can make sure you are making the best decision for your financial future.

Summary Of Pacific Debt Relief

  • Accreditation: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators
  • Consultation: Free phone or online consultation with a customer services rep
  • Costs: 15% to 25% of the total debt enrolled. Fees vary from state to state.
  • Customer Service: Phone or email
  • Debts accepted: All unsecured debt except consumer finance loans, payday loans, legal judgments, and medical debts not already in collections. Minimum debts considered are typically $10,000
  • Free resources offered: Informative debt management blog
  • Restrictions: Pacific Debt services are only available in 25 states
  • Service offered: Debt settlement through direct negotiations
  • Trust ratings: BBB rating of A+ and 9.3 Trustpilot score
  • Turnaround time: 24 to 48 months or more

Pacific Debt’s Sign-Up Process

Pacific Debt Relief Review: One Of The Top Debt Consolidation Companies 3

To join Pacific Debt Relief, one should proceed as follows:

  • Free consultation: The first step in settling your debts is to schedule a free consultation with Pacific Debt Relief. During this consultation, a debt specialist will review your financial situation and determine whether debt settlement is a good option for you.
  • Enrollment: To enroll in Pacific Debt Relief, you will need to provide information about your creditors and outstanding debts. This information will be used to develop your debt settlement plan.

Pacific Debt Relief offers an easy and convenient way to start your journey to becoming debt-free. With their national debt relief program, you can receive help from a debt specialist who will review your financial situation and provide you with the necessary tools and guidance to get back on track. During a free consultation, the debt specialist will your financial needs, determine if debt settlement is the best option for you, and help you with the enrollment process. With Pacific Debt Relief, you can finally put the burden of debt behind you and start living a financially secure life with the confidence of having taken the right steps to get back on track.

Pacific Debt Costs How Much?

If you’re looking into debt relief programs, make sure to consider how much debt you have and how much you could save, and what kind of repayment plan you need. Generally, these programs charge 15-25% of the total debt, so if you have $10,000 in debt, you can expect to pay $1,500-$2,500. Carefully weigh the costs of the program to the benefit of the repayment plan it offers.

If you’re trying to find a debt relief company that won’t ask for payment before services are rendered, Pacific Debt is a good company and a potential solution. They offer their services without any concealed charges or additional expenses.

See If You Qualify for Credit Card Relief

See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.


What Could You Save With Pacific Debt Relief?

Pacific Debt Relief is a good option to consider if you’re looking to minimize your debt. While the average savings with Pacific Debt Relief are estimated to be 15-35%, you could possibly save up to half of what you owe. It’s important to consider that fees could impact your total savings, so it may not be the best option if your goal is to save as much as possible. However, if you’re willing to charge upfront fees and sacrifice some savings for the convenience of working with a reputable company, Pacific Debt Relief could be a great option for you. With Pacific Debt Relief, you can have the peace of mind that comes with knowing you have an experienced, reliable company helping you tackle your debt.

How Long Does It Take For The Pacific Debt Relief Program To Begin Resolving Your Debt?

Pacific Debt Relief is a consumer credit counseling organization dedicated to helping people resolve their debt quickly and efficiently. The comprehensive program includes working with creditors to negotiate a settlement for a lower amount than the full balance of the debt, creating a budget and payment plan to fit one’s individual financial situation, and possibly negotiating a lower interest rate or monthly payment amount. Pacific Debt Relief works diligently to resolve client debt within 24-36 months and help them take control of their financial future. Their program is designed to make debt consolidation loans provide long-term relief and empower clients to achieve financial stability.

How Bad Is Pacific Debt Relief For Your Credit?

Debt settlement can be a beneficial way to become debt-free, but it may temporarily lower your credit rating depending on the state when you first enrolled. Sticking to the payment terms of enrolled debt is can help improve your credit score.

Pacific Debt Relief BBB Review

Pacific Debt Relief has an A+ rating from the Better Business Bureau and has responded to complaints filed against them. They have had 3 closed complaints in the last 3 years and 1 closed complaint in the last 12 months, making them an option worth considering when trying to handle credit card debt or financial issues. It is important to read through their complaints history.

Pacific Debt Relief Review: One Of The Top Debt Consolidation Companies 4

Pacific Debt Relief: Is It A Trustworthy Company?

Pacific Debt Relief is a debt settlement company based in San Diego, California that offers consumers a program to consolidate and reduce their unsecured debt. It emphasizes transparency, providing an online platform for satisfied customers to access information, track progress, and communicate with debt collectors and negotiators.

Pacific Debt Relief offers debt relief services with no upfront fees for personal and business debts and is a member of the American Fair Credit Council, which ensures good practices and protects consumers from fraud. They provide clear terms and pricing and are a good online consumer debt relief option.

Pacific Debt Relief is an excellent choice for those seeking debt relief. They offer free consultations to help determine the best debt relief solution for each person’s individual needs. Pacific Debt Relief can also provide information on other debt-relief options. Their excellent customer service here is top-notch, and they make sure to work with each individual to find the best possible solution for their unique situation. It is important to do your research and get a free consultation with Pacific Debt Relief to see if debt settlement is the right solution for you.

Leave a Reply

Your email address will not be published. Required fields are marked *