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Pacific Debt Relief Inc Reviews
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1-(855) 790-7452
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  • ZERO Upfront Costs
  • $7,500 Minimum Debt
  • No Credit Score Requirement
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Accredited Debt Relief Reviews
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1-(866) 819-5224
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  • 12 Years in Business
  • Money-back guarantee
  • Sunday customer service hours
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1-(855) 982-1609
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  • Required: $7.5k+ in Debt
  • Zero Upfront Costs
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Most Searched: Last 30 Days

National Debt Relief Reviews
  • Requires $7.5k in Debt
  • Price: 18-25% of Total Debt
  • AFCC & IAPDA Accredited
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  • Requires $10k in Debt
  • Price: 15% of Total Debt
  • Not AFCC & IAPDA Accredited
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Rescue One Financial
  • Requires $7.5k in Debt
  • Price: 7% Annually
  • AFCC Accredited
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Most Recent User Review: ClearOne Advantage
  1. User Score
    Ronald Weiler
    February 16th, 2017 at 1:20 pm
    4 people found this review helpful!
    I have a family of 6 and was nearly $110,000 in debt. I enrolled in 2015 and in 2019 will be debt free (except the house of course). There is SO much to love about this company. If it were not for them we would be in ever worse shape. Their CSR folks are always friendly, their sales people were willing to listen to my sob stories and even let me cry a couple of times. All but one account they were able to settle for less than the amount owed (and the one they couldn’t was American Express – who actually ended up taking me to court; never doing business with AmEx again). The company was very encouraging. Overall, bankruptcy was just not an option for me, and after a LOT of research I chose Clear One Advantage. They allowed me to enroll a couple of accounts that others would not tackle (and settled them very nicely). You will see a few reviews talking about some shady negotiating tactics – this is actually a testimony to the willingness of the COA folks to do what’s necessary to get a good settlement. It’s unnerving at times, but this is indicative of the nature of the creditors.

    On the negative side (and there are always two sides to every review), there are a few things I would like to see them do differently in the future. First, the nature of how the program would go was not exactly what had been presented in the initial conversations. I was led to believe that for the monthly fee for the agreed upon number of months, COA would be able to settle my accounts. EVERY SINGLE SETTLEMENT ended up requiring them to call me and ask for additional funds. To the point where there was a time where I would not answer their calls because I knew they were asking for more money (If I had the kind of money you are asking me for, I wouldn’t have called you all in the first place). Last summer I paid in nearly $8,000 in EXTRA payments and am on track to do the same this year. It’s been TOUGH. However, on the other hand, knowing that this extra money was directly contributing and speeding up the process of being out of debt provided motivation to find the extra funds. I got two extra side jobs (challenging when you have 4 kids). Secondly, it did not appear to me as if I was being handled as a single account, but as 10 separate accounts (I had 10 different creditors I enrolled). Even though I repeatedly communicated with COA that AmEx was very clearly going to sue me right out of the gate, they called me with settlements for 3 other accounts first, and I did end up being sued. Several CSR people “off the record” told me that AmEx should have been and could have been settled earlier to avoid the lawsuit. Fortunately I was able to settle with them before it went to trial, but it was a VERY stressful process. Each client should be assigned a person to oversee the entire settlement process, not just have a list of random accounts to settle in random order. FINALLY (in the negative side) – a LOT of the “extra funds” that I was asked for was not for creditor settlements, but for COA FEES. I do not mind paying COA for the amazing work that they do, but they should not be asking me for extra money to pay their fees, that should come later as possible and I don’t mind if the last year of the program is to pay for the settlement work that COA did.

    Ultimately, I would do this again (and hopefully I NEVER WILL) but I would definitely go in a little more knowledgeable about the process.

    Read More ClearOne Advantage Reviews

  • 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.
  • What is the most important feature when choosing a company to consolidate your debt? (Check all that apply)

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Real Reviews (yes they’re real)
With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.

Debt Settlement 7-Point Ranking Criteria

We evaluate each debt company we review on a strict, unbiased 7-point ranking system. Experience has shown that this is an effective way of determining a company’s ability to serve customers. Below is an outline and explanation of why each criteria point is important.

Price: 14.5% of Overall Score

When it comes to your finances, price is important. We believe that it is one of the top factors when it comes to settling your debt. We take into account how companies charge your for their services, whether they take a percentage of your overall debt or a percentage of debt saved. We want to make sure you are treated fairly when it comes to your money.

Accreditations: 11.5% of Overall Score

One of the ways we determine whether or not a company can be trusted is based on their accreditations. Some of the most important accreditations include AFCC(American Fair Credit Council) and IAPDA(International Association of Professional Debt Arbitrators). We also look into see whether or not these companies are FTC(Federal Trade Commission) compliant. While these accreditations do not guarantee that a company is of good, it is an important indicator.

Account Set-Up: 9.5% of Overall Score

Taking the steps necessary to get out of debt can be difficult, and we want to make sure companies are taking care of their customers. We take want to reward companies who offer free, no-obligation free consultations and no up-front fees. The best debt settlement companies will make sure you are taken care of.

State Availability: 9.5% of Overall Score

Because of state laws, many debt settlement companies choose not to offer services in certain states. The more states a company works with, the higher they score.

Minimum Debt to Start: 7.5%of Overall Score

Because Debt Settlement companies charge a percentage of the debt they settle (or the remaining debt you have), some companies believe that settling debts under a certain dollar amount isn’t worth it. We reward companies that choose to help more people – meaning companies that have a lower debt requirement to sign up are award more points from us.

Time in Business: 7.5%of Overall Score

The amount of time a company has been in the business, is a good indicator of whether or not they are good company. In this industry especially, the longer a company has been around, the better.

Online Dashboard: 5% of Overall Score

This criteria point looks at whether or not a company has an online dashboard clients can log into to check the status of their debt settlements. Companies that provide this service get full points in this category.

User Reviews: 25% of Overall Score

This site is designed to give potential customers the clearest picture of what they will be getting when they decide to do business with one of the companies we’ve reviewed. Part of offering a clear view is allowing customers to share their experiences with these companies. We’ve given A LOT of weight to validated customer reviews and opinions that are posted on our site. Your opinion matters, and we want that to reflect in how the companies on this site are reviewed!

Company Stability: 10% of Overall Score

We look at the legal history and financial stability of each company. This metric takes into consideration any bankruptcies, class action lawsuits, government lawsuits, or government investigations a company has had in the last five years.