Pacific Debt Relief vs National Debt Relief: Which One Is Better?

Pacific Debt Relief vs National Debt Relief

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In this comparison, Pacific Debt Relief vs National Debt Relief are compared to help you decide which company is best for you, whether you are looking for a personal loan or to settle your debts.


Pacific Debt Relief Review: Why It Is Among The Top Debt Consolidation Companies

In 2002, Pacific Debt Relief earned an A+ rating from the Better Business Bureau and has helped thousands of people resolve their unsecured debts. This review examines Pacific Debt Relief’s history, services, and fees in order to help you determine if this company is a scam or not. Pacific Debt Relief has earned an A+ rating from the Better Business Bureau.

They will contact creditors to negotiate lower interest rates and monthly payments for unsecured debts like credit cards, medical bills, student loans, and more. Once you join their program, their debt counselors will create a debt consolidation plan that fits your budget. If you can’t make payments, they’ll work with you to find a solution.

Their experience sets them apart from other debt relief companies. Pacific Debt has been in business for over 20 years, helping thousands of people get out of debt.

Furthermore, Pacific Debt Relief charges a one-time setup fee of $49 and a monthly fee of $39. This includes access to their online portal, customer support, and debt counseling.

Is Pacific Debt Relief a scam? No, it’s not. Pacific Debt Relief is a reputable debt consolidation company that has helped people pay off their unsecured debt for many years.

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Pacific Debt Relief vs National Debt Relief: Which One Is Better? 1


  • No upfront fees, free consultation
  • After fees, you could save up to 35%
  • Online account monitoring


  • Staff that rushes you into decisions
  • After fees, some consumers save as little as 15%
  • To use Pacific Debt’s relief program, you must live in a state where it operates.

Pacific Debt Relief: What Is It?

Debt relief involves reducing or eliminating debt, which can be accomplished through negotiation, settlement, or bankruptcy. Since 2002, the firm has assisted more than 30,000 clients in determining and resolving outstanding debts totaling more than $1 billion. Many people have benefited from their debt relief services.

Those who have difficulty making minimum payments and are concerned about reducing their debt should consider this debt settlement company.

Debt relief may be needed for a variety of reasons. People may have lost their jobs and cannot keep up with their payments.

With an 85% success rate, you can be confident that they will do everything they can to help you.

How Does This Company Work?

Pacific Debt Relief vs National Debt Relief: Which One Is Better? 2

Pacific Debt Relief offers debt consolidation loans as well as financial education to help people manage their money better and avoid debt. Customers are able to get out of credit card debt by negotiating lower interest rates and monthly payments.

Pacific Debt Relief has helped thousands of people become debt-free by consolidating credit card debt and unsecured loans into one low monthly payment.

Pacific Debt Relief: Key Aspects

  • Memberships: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators.
  • Customer service representatives are available by telephone or online for free consultations.
  • Fees vary by state. 15% to 25% of total debt enrolled.
  • E-mail or phone support.
  • All unsecured debt except consumer finance loans, payday loans, legal judgments, and medical debts not already in collections is considered.
  • Blog about debt management with free resources.
  • Only 25 states offer Pacific Debt services.
  • Direct negotiation for debt settlement.
  • BBB rating of A+ and Trustpilot score of 9.3.
  • The turnaround time is 24 to 48 months.

What Type Of Loans Does Pacific Debt Relief Offer?

There are different loan options at Pacific Debt so you can tailor a solution to your financial needs.

To save you money each month, Pacific Debt Relief negotiates lower interest rates and monthly payments with creditors.

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.


The equity in your home can be used as collateral for a home equity loan. You can use the money to pay off your debt. Home equity loans have a lower interest rate than credit cards or personal loans.

You can count on Pacific Debt Relief for help.

How To Qualify For Pacific Debt Relief?

Getting out of debt may be your top priority, but how do you qualify for a loan like Pacific Debt Relief?

Pacific Debt Relief requires a minimum of $10,000 in debt and a maximum of $100,000. A good credit score and a steady income are also necessary.

The process is simple, and you’ll be out of debt sooner if you meet these requirements.

How To Sign Up With Pacific Debt Relief

A certified debt specialist will assess your financial situation and determine if debt settlement is right for you.

To arrange a free consultation, follow these steps:

  • Visit Pacific Debt Inc.’s website
  • Get in touch with a debt specialist by clicking Free Consultation
  • Click on See Savings after selecting the amount of your debt
  • Select your payment status
  • Pick your state
  • Submit all relevant contact details

How Much Does Pacific Debt Relief Charge?

Fees are typically 15-25% of the debt enrolled, so if you have $10,000 in debt, you can expect to pay $1,500-$2,500 in fees.

Pacific Debt does not charge upfront fees, so if you’re looking for debt settlement without surprises, this could be the right company for you.

How Much Could You Save With It?

If you’re trying to save on your debt, Pacific Debt Relief might be a good option. They can save you up to 50% on average.

Generally, Pacific Debt Relief saves 15% to 35% once fees are taken into account. The convenience of working with a reputable company may outweigh some potential savings. If that’s the case, Pacific Debt Relief might be the best option.

Pacific Debt Relief Loan: Minimum Credit Score

Pacific Debt Relief works with people with credit scores as low as 660. They offer low-interest loans that can be repaid over time.

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

The Pacific Debt Relief website claims its program is designed to help you pay off your debts as quickly as possible. Once you are enrolled, Pacific Debt Relief will negotiate a debt consolidation loan with your creditors.

In most cases, they are able to resolve the debt of their clients within 12 to 36 months. The creditor may be able to offer you a lower interest rate or monthly payment amount if you are having difficulty making payments. They will work with you to develop a payment plan that fits your budget.

How Does It Affect Your Credit?

You might not know how Pacific Debt Relief can damage your credit score.

Pacific Debt Relief negotiates with your creditors on your behalf to lower your monthly payments and interest rates.

When your creditors accept the debt settlement offer, you’ll pay them instead of directly. They’ll hold onto your monthly payments until your debt is paid off.

Credit bureaus will report the settlement as “settled,” which will hurt your credit score. However, debt settlement is better than declaring bankruptcy.

How To Use The Pacific Debt Relief Website

If you’re looking for debt relief, the Pacific Debt Relief website is an excellent resource.

Check out Pacific Debt Relief’s “Calculate Your Savings” tool to see how much you could save.

The “Success Stories” section shows how Pacific Debt Relief has helped real people.

Finally, read the “Frequently Asked Questions” section to learn more about Pacific Debt Relief.

Follow these steps and you’ll be on your way to debt relief.

Pacific Debt Relief Reviews

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Pacific Debt Relief’s BBB rating and complaints history may be of interest to you if you’re considering them.

With an A+ rating from the Better Business Bureau since 2010, Pacific Debt Relief has closed three complaints in the last three years and one in the past 12 months. Pacific Debt Relief is generally responsive to complaints.

If you’re considering Pacific Debt Relief, read their BBB rating and complaints history to get a fuller picture.

BBB reviews of Pacific Debt Relief:

Brian D 07/22/2022

****** was super friendly and eager to help. He didn’t hesitate to explain how things worked and put me at ease. He wasn’t a fast talker like someone trying to make a sale. ****** made sure I fully understood the program and the result.

Pacific Debt Relief: Is it a Scam or Legit?

If you’re wondering if this company settles millions of dollars in consumer debt per month, you aren’t alone.

With an A+ rating with the BBB, Pacific Debt Relief has helped thousands of people get out of debt.

Also, they only cover half of the states nationwide. Plus, you may not get a good deal. You may be able to find a better deal elsewhere.

You can trust Pacific Debt Relief if you’re searching for a legitimate debt relief company.

Have you used Pacific Debt Relief?

National Debt Relief Review: Here’s What You Need To Know

It might be helpful to consolidate debt if you’re in debt. It is important to choose the right firm to help you consolidate your debt. In this National Debt Relief review, we will examine this top-rated company and see if it is accurate.

National Debt Relief is accredited by the BBB, has IAPDA accreditations for all of their Debt Arbitrators, and is a member of the American Fair Credit Council.

Besides debt settlement, they also offer credit counseling, federal student loans, and debt counseling. They’re one of the best in the business.

National Debt Relief stands out because of their outstanding customer service. They’re available 24/7 to help you with your debt consolidation needs.

This company has great reviews and years of experience helping people with debt consolidation.

National Debt Relief consolidates individual and family debt into one affordable monthly payment.

Pacific Debt Relief vs National Debt Relief: Which One Is Better? 4

Pros & Cons

Before making a decision, you should consider some of the potential drawbacks of National Debt Relief. There are many debt relief options, and each has its own set of pros and cons.

National Debt Relief can help you get out of debt fast. If you have a lot of debt, you might be able to pay it all off in a few years.

You can get a plan tailored to your needs if you work with a reputable debt relief company. They will also provide you with support throughout the entire process.

If you have a lot of debt, enrolling in a debt relief program will hurt your credit score. You’ll have difficulty getting credit and loans if you do this.

The IRS considers forgiven debt taxable income, so if you can have your entire debt load erased, you might end up owing a large amount in taxes.

National Debt Relief: What Is It?

Consumers can get out of debt like credit card debt, medical bills, and more with National Debt Relief. They help thousands of people get out of debt. They offer debt consolidation loans, credit counseling, and personal loans.

How Does This Company Work?

Upon settlement, you pay National Debt Relief a single payment and they send the funds to your creditors. Using this debt settlement company, you can get out of debt faster and for less money than negotiating with your creditors.

You should know a few things about National Debt Relief if you consider using it. First, they freeze all interest and late fees on your account if you enroll in the program. Your budget won’t keep growing. National Debt Relief works with your creditors to lower your monthly payments. You’ll be freed up to pay off your debt by using this service.

They can often get you a significantly lower settlement than what you owe thanks to their experienced negotiators.

National Debt Relief Program: What Is It?

People get out of debt with National Debt Relief. You can get a lower monthly payment, no late fees, no penalties, and even lower interest on your debts. Additionally, you can consolidate your debts into one payment, making managing your finances easier.

How Much Does National Debt Relief Cost?

National Debt Relief charges a one-time, upfront fee of 20% of your total debt for its services.

Make sure you research and compare prices with other debt relief companies if you are considering enrolling in a debt settlement program to improve your credit score and save on interest payments.

National Debt Relief Program: How Long Does It Take To Begin Resolving Your Debt?

In most cases, National Debt Relief can resolve debts within four months of signing up. However, there are a few things that can change that timeline:

  • Total debt owed
  • Debt type
  • Credit score
  • Creditor cooperation

National Debt Relief will be there every step of the way if any of these factors change.

How Does It Affect Your Credit?

Getting personalized advice requires consulting a financial professional because each case is unique.

Your credit might be affected if you consolidate your debt with NDR. Your creditors may flag your debt relief account as “in collections” when you enroll in a debt relief program. It stays on your credit report for up to seven years, even if you finish the program and repay your debt consolidation loans.

This designation affects your credit score, debt, and delinquency. A debt relief program may hurt your credit score at first, but as you make regular payments and reduce your overall debt load, your score may improve.

National Debt Relief Customer Service

National Debt Relief customer service can be reached by phone at 888-969-1953 or online by clicking “Contact Us”.

A representative will ask you a few questions about your situation and explain how their program works.

You can fill out a form on their website with your name, email, phone number, and a brief message, and they usually respond within 24 hours.

Regardless of how you contact them, the team at National Debt Relief will provide you with the best possible service. It’s no secret that debt can be stressful, and that’s why they’re dedicated to providing the best service.

National Debt Relief: Is it a Scam or Legit?

Pacific Debt Relief vs National Debt Relief: Which One Is Better? 5

It’s important to make sure National Debt Relief is legit before signing up for their debt settlement services.

They’re a Better Business Bureau member, and they’ve earned an A+ rating. National Debt Relief has helped thousands get out of enrolled debt since 2009. National Debt Relief is also registered with the Consumer Financial Protection Bureau (CFPB).

Here’s how National Debt Relief can help you:

  • You only pay them if they help you get out of debt.
  • You can create a plan that works for your budget and situation with their team of experts.
  • Interest rates and monthly payments will be negotiated with creditors.
  • National Debt Relief works with you to create a plan for staying out of debt if it can help you get out of debt.

Make sure you compare their services with others before you use them. This is a reputable company that has helped people get out of debt for years.

National Debt Relief BBB Reviews

There is a higher level of integrity at National Debt Relief which is licensed by the BBB with an A+ rating.

The following are some reviews of National Debt Relief that you may find helpful:

Dave 02/22/2022

I have just one word to say about this program… Great!!!

Katharine 02/21/2022

Very pleased and impressed so far. The process was rapid and easy, and everything was thoroughly explained. I am encouraged and excited about my financial future and feel optimistic that I can get into a much better place in a very reasonable amount of time!

John 02/16/2022

I started well and will build a response after seeing the results.

How To Use The National Debt Relief Website

You should start by visiting the National Debt Relief website and taking the free consultation. They will be able to give you a free quote and tell you how much money you can save by using their service. As well as this, they provide a money-back guarantee, so there is no risk involved in using their service.

When you create a National Debt Relief login, you will see your progress toward paying off your debts. In addition to educational materials and blog posts about getting out of debt, you can find a wealth of information and resources here.

The website is very user-friendly and easy to navigate, so you will be able to find the information you need quickly. If you have any questions or concerns, please do not hesitate to contact them.

How To Use The National Debt Relief Application

Getting out of debt quickly and easily is possible with this app.

Once you have downloaded the app from the App Store or Google Play, would you be able to open it and create an account?

You will be able to generate a customized debt relief plan based on your income, debts, and expenses as soon as you enter your financial information into the app.

The final step is to follow the plan to get out of debt as quickly as possible. The app will provide you with all the tools and resources you will need to succeed at getting out of debt.

How To Use The National Debt Relief Client Portal

In order to access your client portal, please visit the website and click on the “login” button in the top right corner of the screen, then enter your email address and password, and click on “log in.”.

Through the client portal, you can access account information, recent transactions, payment history, and more. You can also submit a request for assistance or chat with a representative.

How To Cancel National Debt Relief

If you are unhappy with National Debt Relief’s performance or no longer wish to use its services, you may cancel your contract. Here’s how:

  • Call customer service and cancel your contract.
  • Customer support will send you a cancellation form.
  • Once the cancellation form is received, your account will be terminated.

Moreover, there are no cancellation fees, so if you decide to cancel, you will not be charged anything.

You must be comfortable with the contract terms before signing up, but it is an excellent debt relief company. If you have questions or concerns, please contact National Debt Relief before committing.

Get Your Money Back From National Debt Relief

Your money can be recovered in several ways with National Debt Relief.

If you wish to request a refund, you can contact the company directly. You can also send an email or letter to the company. However, it may take some time for the company to process your request.

By filing a complaint with the Better Business Bureau (BBB), you may also be able to get your money back.

National Debt Relief can also be sued. If you choose to pursue this option, you will need to hire an attorney and file a lawsuit against them. This is usually a last resort, as it can be expensive and time-consuming.

National Debt Relief: Is It A Good Company?

Pacific Debt Relief vs National Debt Relief: Which One Is Better? 6

There are many debt relief companies out there, so choosing the right one can be hard. National Debt Relief has assisted thousands of people in getting out of debt since 2009. They offer debt consolidation, credit counseling, and bankruptcy alternatives.

The Better Business Bureau (BBB) has accredited National Debt Relief with an A+ rating. They have been featured in Forbes and Money magazines. In addition to its commitment to customer service, National Debt Relief offers a debt relief plan 24 hours a day through a team of certified credit counselors.

When considering National Debt Relief, keep these things in mind:

  • It’s not a scam. National Debt Relief has helped people get out of debt for years.
  • Among their services are debt consolidation, credit counseling, and bankruptcy alternatives.
  • The Better Business Bureau (BBB) rates National Debt Relief A+.
  • Forbes and Money magazines have also featured them.
  • Certified credit counselors are available 24/seven to help you get out of debt.

The National Debt Relief company can assist you in getting out of debt, but ultimately, your choice is up to you. If you are considering using National Debt Relief, be sure to conduct your own research first.

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