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Pacific Debt, Inc.


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Pacific Debt Inc. was founded in 2002 by Kevin Landie to help Americans manage and eliminate credit card debt, negotiate with creditors and improve consumers’ credit scores. The company offers a high level of customer service compared to many of its competitors.

The Good

Pacific Debt Highlights

  • Low cost: 15-25% of total debt
  • Debt management company that has been in business since 2002
  • AFCC & IAPDA Accredited
  • Average of 3 years to resolve debt
  • High level of customer satisfaction
  • Money-back guarantee

Lower Industry Pricing

Pacific Debt Inc (PDI) brings a lot of expertise and experience to the table, reportedly being able to reduce balances owed to creditors by as much as 70% through their services.

Pacific Debt Inc doesn’t charge any fees until they have received a debt resolution offer. Additionally, Pacific Debt’s fees tend to be lower than the fees and monthly payments of most debt mangement companies, charging between 15-25% of the total debt enrolled (the average is 17% – 20% in fees).

Money-Back Guarantee

PDI’s debt management services are covered by a money back guarantee, offering both a measure of protection for customers and a show of confidence in their ability to help forgive debt in even the most complex scenarios in 2 to 4 years.

Holds Major Industry Accreditations

Of particular note is PDI’s reputation, both amongst consumers, credit card companies and the industry as a whole. The company carries every major industry accreditation we look for, which demonstrates a commitment to ethical business practices and a high level of expertise.

Positive Customer Reviews

Clients have expressed appreciation for PDI’s customer service quality, both regarding professionalism and honesty.

Online reviews from those who have used PDI’s debt management program include enough reported success stories across multiple sites to suggest that PDI does indeed take good care of their consumers.

Average Minimum Debt Requirement

PDI’s minimum required debt of $7,500 is on the low end of the industry average of $7,500 to $10,000. Get started with Pacific Debt Inc.

The Bad

Not Available in All States

Additionally, they aren’t available everywhere in the country. More specifically, at time of writing, PDI does not operate in the following states: CT, DE, GA, IL, KS, ME, MS, NV, NH, NJ, ND, OH, OR, RI, SC, TN, VT, WA, WV, WY.

The Bottom Line

Pacific Debt offers a compelling combination of affordable pricing, experience, accreditations, and satisfaction secured by a money-back guarantee.

That’s a strong offer, especially when the only negative thing we can find to gripe about is that it isn’t a truly national debt resolution company because they aren’t available everywhere.

Ultimately, If you live within its service area and owe more than $7,500 in unsecured debt, we recommend working with Pacific Debt.

More Information on Pacific Debt Inc.

Debt Education

This company offers free textbooks, workbooks and handbooks that you can use to enhance your understanding of debt and money management.

These materials act as educational courses which provide in-depth knowledge so you can receive a quality education without leaving home. These materials can be downloaded and accessed using Adobe Reader.

Additionally, this company maintains a monthly newsletter that teaches customers how to spend wisely and save money in their everyday lives.

The PDI blog also contains useful information for people interested in employing a debt management company or service.

Mobile-Friendly Site

Their site, which has recently been updated, is now mobile-friendly.

Services Provided

Pacific Debt Management is a debt management company. Their goal is to offer customers an alternative to bankruptcy or obtaining a new loan for the purpose of paying off old debts.

You will pay one monthly payment which will be set aside in a separate account until you have enough to make a debt resolution offer. At this point, their team of professionals negotiates with creditors to resolve your debts for less than the original amount owed.

They also try to get you out of debt in as short a time as possible.

This company tries to get customers out of debt within 24 to 48 months, although results vary depending on individual situations.

Online Dashboard

Pacific Debt Inc. offers a client portal that allows customers to see progress on their accounts and keep connected with everything surrounding their debt status.


Yes, this company holds an AFCC accreditation and IAPDA accreditation.

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