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Personalized Service Yields Pacific Debt, Inc Record Third Quarter

Posted By:  |  October 21, 2015  |  0 Comment(s)

Pacific Debt, Inc. has been a leader in the debt settlement arena for over a decade proving personalized service and client care render satisfied customers. The results are highlighted in a strong third quarter report showing a record number of completions in September.


Reports illustrate 120 consumers satisfactorily completed their debt settlement program with an overall reduction of over $3 million in unsecured debt. The average Pacific Debt client enrolled over $25,000, mostly in credit card debt, with complete debt resolution in about 36 months. Other types of debt enrolled were personal loans, burdensome medical bills, high-interest payday loans, and auto repossessions.

Director of Operations, Sierra Izzard said the results are based on the company’s high level of commitment to client care, taking a personalized approach not seen in many of their competitors programs.

“Clients of Pacific Debt are assigned a Personal Account Manager during the course of their enrollment. This personal relationship facilitates more trust, better service and an educated consumer. We never want our clients to feel like they are just a number like with other companies,” said Izzard.

Overall, PDI has settled $3.35 million in consumer debt with $7.10 million in the last quarter alone. Those figures reflect settlement of 1,298 individual creditor accounts holding an average account balance of over $4,990.

Settlement Production Manager, Jessica Enright said their philosophy on fostering personal relationships with clients has served them well in client satisfaction.

PDI and their team have settled and overall $21.7 million in unsecured consumer debt showing a 39 percent increase since the same period last year with $15.6 million settled, indicating strong growth.

Adhering the 2010 FTC rule banning debt settlement companies to charge their clients up-front fees, they operate on a performance-based model meaning if clients do not see results, neither will they.

“Our process is consumer friendly and has no up-front cost,” said Izzard.

Pacific Debt, Inc. boasts an A+ rating with the Better Business Bureau, a challenging feat for debt settlement companies to attain since the BBB and FTC implemented stricter regulations on the debt relief industry. More information on the San Diego based company can be found on


  • How important is it to you for a debt consolidation company to offer financial education resources?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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