Pacific Debt Reviews 2023

Pacific Debt Inc offers customized debt settlement options for customers who owe more than $10,000 and are having difficulty repaying it. 

Each customer is allocated a personal account specialist who will work with them to determine the most effective way to help them decrease their debts and relieve the burden of monthly payments.

Debt settlement firms provide an option for consumers who are unable to make loan or credit card payments. 

When you participate in a program, you will cease paying anyone you owe money to and instead deposit it into a Pacific-managed account.

Pacific will contact the individuals you owe money to after a certain period of time and arrange a lump sum payment that is less than the entire amount owing.

While debt settlement isn’t flawless, Pacific Debt has used it to assist its customers to pay off more than 0 million in unsecured debt

The majority of its clients are debt-free within 24 to 48 months.


PortalPacific Debt
Minimum Debt Settlement Requirement$10,000
Fees15% – 25% of enrolled Debt
Features Free consultation, Free educational materials.
Number of reviews133
Community RatingStrong
WebsiteClick Here

Key Takeaways

  • Pacific debt is a good option for those struggling to pay a secured loan of at least $10,000.
  • They assign a debt specialist to help you deal with your debt.
  • Pacific debts hold an excellent reputation online and have note-worthy ratings.
  • They also offer Spanish support.
  • If you want to focus on repaying your loan rather in a period of 24-48 months, then go for Pacific debt.

Pros & Cons


  • No upfront fees
  • Free consultation
  • Helps customers settle the debt in 24-48 months
  • Spanish support available
  • A+ rating with BBB


  • $10,000 minimum debt requirement
  • Not available in some states
  • No live chat option

Our Take

Since 2002, Pacific Debt Inc. has resolved over $300 million in debt for thousands of customers. 

It claims to be the most customer-friendly firm in the debt relief industry, and the company’s reviews reflect this. 

As long as you have at least $10,000 in debt and live in one of the states where Pacific Debt offers services, it is a good option for a debt relief firm.

Read: Top 10 Best Debt Relief Companies

Also Read: Accredited Debt Relief Reviews

Key Features

Pacific Debt Key Features
Pacific Debt Key Features

Pacific Debt’s goal is to get you out of debt as soon and inexpensively as possible. 

They may possibly lower your total debt by a large percentage by assisting you in saving a significant amount of money and using that amount to negotiate an immediate payment.

It certainly took you years to amass that much debt, and it will take you a few years to pay it off. 

But, with Pacific Debt Inc., you won’t be burdened with large sums and paying interest-only payments for the rest of your life.

Pacific Debt provides a free consultation to help you get started on your debt reduction plan. 

All you have to do is fill out a short form indicating how much debt you owe and whether or not you are late on paying your fees, and Pacific Debt Inc. will handle the rest.

Although Pacific Debt does not provide any other services outside debt settlement, its website does have free information regarding debt consolidation loans and credit counseling

They also provide free educational materials on issues such as bankruptcy, credit scores, budgeting, taxes, and others, as well as a debt calculator to determine how long it will take to pay off credit card debt.

Company Overview

What Is Pacific Debt?

What Is Pacific Debt inc.
What Is Pacific Debt inc?

Founded in San Diego in 2002, Pacific Debt Inc. is a debt relief company that has helped thousands of customers reduce their debt amount. 

It has since grown to be one of the top debt consolidation firms, having a five-star rating and an A+ BBB rating. 

Since 2002, Pacific Debt Inc. has settled more than $300 million in debt in 32 states. 

One of the program’s highlights is that there are no upfront costs, and all payment is dependent on performance.

It separates itself from the competition by providing personalized service to customers throughout the process. 

Pacific Debt Inc. offers a one-on-one counselor to help you choose the ideal settlement plan at the enrolment level. 

It entails reviewing your accounts, developing a thorough budget to confirm the program’s affordability, and providing a free estimate for a customized plan based on your financial situation.

After that, you’ll have access to a small team of caring people who will assist you in navigating the early phases of the process. 

Finally, you will be allocated a personal account manager who will help you in developing a professional connection with your creditors and will offer monthly reports on your progress.


Pacific debt pricing and plans
Pacific debt pricing and plans

At the time of settlement, Pacific Debt Inc. normally charges a fee of 15% to 25% of enrolled debt, which is standard procedure.

There are no upfront costs, and until Pacific Debt is able to reach an agreement on your behalf, you will not be charged any fees. 

Pacific Debt’s fee structure and performance-based pricing are both industry norms.

To be eligible for their debt relief program, you must have at least $10,000 in unpaid debt, which is somewhat higher than what other companies require or those that do not require any minimum debt at all.

Debt Relief Time

On average, it can take anywhere between 24-48 months for you to complete your program.

However, the time period can be more than 48 months, too, depending on the person’s unique situation.


You can expect to pay 50% of the enrolled balance excluding fees. And if you include the fees, then you will have to pay 65% to 85% of the total enrolled debt amount.

This means you get to save 15%-50% of the enrolled debt amount during the program.

Types of Debts Addressed

Types of Debts Addressed by Pacific Debt inc
Types of Debts Addressed by Pacific Debt inc

Pacific Debt, like other debt settlement firms, mainly deals with unsecured consumer debt. 

Pacific Debt is unable to help with debt secured by collateral, such as vehicle loans or mortgages

It also cannot assist with debt arising from judgments or lawsuits, money owing to the IRS, utility bills, or other government debt (e.g., federal student loans).

Pacific Debt can help you with the following:

Credit Card Debt

With the traditional method, it may take years to pay off credit card debt, but with the help of Pacific Debt, you can get out of debt much more quickly. 

Pacific Debt claims to be able to significantly lower your principal debt, as well as interest and late penalties.

Personal Loans and Payday Loans

Personal loans without collateral may also be eligible for debt settlement. 

It’s the same with payday loans, which are notorious for trapping consumers in a never-ending cycle of debt.

Medical Bills

Pacific Debt may be able to assist you if you have past-due medical bills or so much medical debt that you are struggling to pay it off. 

Because medical debt is unsecured, you can include it in your debt consolidation plan and pay less than you owe.

Get Started With Pacific Debt

Get Started With Pacific Debt inc
Get Started With Pacific Debt inc

Pacific Debt Inc. was founded to settle your debt for a fraction of what you currently owe. 

Debt consolidation providers combine your debts in order to get a reduced interest rate. 

When it comes to unsecured debt, Pacific Debt can help you design a payment plan that lowers your interest rate.

The first step is to get in touch with them and schedule a free consultation. 

A professional debt counselor will review your financial status during the free consultation to evaluate whether you are a suitable match for debt relief services. 

Once you agree to enroll, you will immediately cease paying your creditors.

Rather than paying your creditors, you will now deposit money into an FDIC-insured Special Purpose account on a monthly basis. 

Funds will start accumulating in that account, and once you reach an agreed-upon balance, your personal account manager will begin negotiating with your creditors on your behalf .

Is Pacific Debt Legitimate?

Yes, Pacific Debt is legit and has been accredited by the International Association of Professional Debt Arbitrators, Better Bureau Business, and also by American Fair Credit Council. Thus, you can go for their services without any worries.

Even in terms of Security, Pacific Debt encrypts your private data, such as your social security number, credit card details, etc., by using SSL technology. Ensuring you and your data are in safe hands.

Also Read: How Does Debt Relief Work, What They Do?

Pacific Debt Customer Service

Customer Service
Pacific Debt Customer Service

The Pacific Debt is well-known for its great customer service, as seen by its many positive reviews. 

It currently provides customer care through a dedicated email address and over the phone.

On weekends, the firm does not offer support. 

Support is available from 8:00 a.m. to 6:00 p.m. PT, Monday through Thursday, and from 8:00 a.m. to 4:30 p.m. PST, on Fridays.

Existing Pacific Debt clients can get in touch with the firm using the details below:

If you are a new Pacific Debt client and would like further information, you can contact them via:

NPC Pacific Debt Ratings

Customer Service4.8/5
Debt Settlement help4.5/5
Ease of use4.8/5

Disadvantages Of Debt Settlement

If you opt for any debt settlement service, then it will come with a few downfalls.

Let’s have a look at these:

  • Your credit score will be severely affected.
  • You will have to pay interest, and sometimes it may be high.
  • Debt up to $600, which is forgiven, is considered taxable income, and you will be required to pay tax on it.

What Differentiates It?

These are some of the key differentiating factors of the Pacific debt fund:

  • Requires a Minimum Debt Settlement Requirement of $10,000, which is pretty good.
  • Has excellent support team and note-worthy customer reviews.
  • It is an accredited debt settlement company.

Our Experience

Our experience with Pacific Debt
Our experience with Pacific Debt

We got in touch with Pacific debt and explained our position to them; after analyzing our situation, they gave us a quote and a plan that would help us to get rid of our loan with as little damage to our credit scores as possible.

And we have to say things went smoothly and we were happy with the end results. Now we are debt-free, all thanks to Pacific Debt Relief.

If you have a loan that you are unable to pay, then we recommend you can go with Pacific debt.


CompanyPacific DebtNew Era Debt Solutions
Minimum Debt Settlement Requirement$10,000No minimum requirement
FeaturesFree consultation, Free educational materials. Personal advisor, Available in the Spanish Language
Fees15% – 25% of enrolled debt 15% – 25% of enrolled debt
Relief Time24 to 48 months24-48 months
Savings15%-50% of the enrolled debt excluding fees52.23% on enrolled debt amount excluding fees
BBB ratingA+A+
Trustpilot Rating4.84.9

Read our full New Era Debt Solutions Review

Pacific Debt Customer Reviews

Customer Reviews
Customer Reviews of Pacific debt

Pacific Debt Inc has a Trustpilot rating of 4.8 stars, and customer reviews indicate that the initial registration procedure is simple and that experts take the time to understand your issues and answer all of your inquiries.

Many of the positive reviews mentioned customer service representatives by name, stating that they were friendly, professional, and patient, among other similar qualities.

A few of the mediocre reviews suggested that Pacific Debt deserved a higher rating, but the reviewers wanted to see whether the program worked for them first.

Several negative reviews reported communication issues with the company after signing up for the program, and other reviewers said there were delays when they requested to cancel.

Also Read: DMB Financial Reviews

How We Review Debt Relief Companies

When it comes to reviewing debt relief companies, we take a three-pronged approach. 

This includes looking at the company’s history, evaluating its customer service, and analyzing its fees.

Looking at a company’s history is important because it can tell us a lot about how they operate. 

We want to make sure that the company has a good track record and isn’t known for scamming people.

Customer service is also important because we want to make sure that people are able to get in touch with the company if they have any questions or problems. 

We also look at the quality of the customer service.

Finally, we analyze the fees charged by the company. We want to make sure that the fees are reasonable and that people aren’t being overcharged.

We also take other factors into account, such as the company’s refund policy and whether or not they offer a money-back guarantee.

Read Detailed Debt Relief Review Methodology

Also Read: Freedom Debt Relief Reviews

Final Verdict

In this Pacific Debt review, we saw that this debt relief company can help you in dealing with your debt within 12-48 months, depending on your situation, and requires you to have a $10,000 minimum in debt. However, it only offers a debt settlement service and nothing else.

So if you are looking for an all-rounder debt relief company, then you can check out CuraDebt. CuraDebt offers a couple of debt relief options and requires you to have only $5000 in debt.

Also, they charge 20% of your enrolled debt at the end of the program, so you have complete transparency with them. If you want to know more about CuraDebt, then you can check out our CuraDebt reviews


How do I know if a debt relief company is legitimate?

The best way to determine if a debt relief company is legitimate is to research the company’s history. 

You can also look for reviews of the company online. If you can’t find any information about the company, it’s best to avoid doing business with them.

Is Pacific Debt Relief a legitimate company? 

Yes, Pacific Debt Relief is a legitimate company. The company has been in business since 2002 and has helped thousands of people get out of debt.

What are the fees charged by Pacific Debt Relief?

The fees charged by Pacific Debt Relief vary depending on the amount of debt you have and your individual circumstances. 

However, the average fee is 15% of the total debt you enroll in the program.

Can one settle debt for less?

Pacific Debt Relief has years of experience and excellent negotiation skills; settling the debt for less amount could be a tricky task, but Pacific debt might be able to help you with it.

How does Pacific Debt services work?

You just have to call them to discuss your debt and finances, and after evaluating your situation, they will discuss their prospects with you.

Once you are both on the same page, you can get started.

NPC Overall Rating

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