Pacific Debt Inc. Reviews
Reviews of Pacific Debt Inc. from real customers
(234 verified)
The Good
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 settlement offer. Additionally, Pacific Debt’s fees tend to be lower than the fees and monthly payments of most debt settlement companies, charging between 15-25% of the total debt enrolled (the average is 17% – 20% in fees).
Money Back Guarantee
PDI’s debt settlement 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 settlement 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.
Pacific Debt Highlights
- Low cost: 15-25% of total debt
- Debt settlement 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
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: CO, 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 relief solution 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.
About Pacific Debt
Pacific Debt 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.
Contact Information
Website: pacificdebt.com
Email: [email protected]
Hours:
Mon-Thurs: 8 am – 5 pm PST
Friday: 8 am – 3 pm PST
Address:
750 B Street, Suite 1700
San Diego, CA 92101
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User Score101 people found this review helpful!I was very pleased with the customer service I received while going through the process with Pacific Debt. I would just say a couple of things I wish were a little different. I was switched to different sales rep’s three times while in the program. It wasn’t a problem to switch, I just wasn’t notified once that occurred so I had to search around and find out who I was supposed to be talking to. The other thing is being able to see my account details. I had access to the online info but it wasn’t explained very well on what the information was or how to read it. Overall, my experience was fantastic and I couldn’t be happier now that all my debt has been washed away. Thank you!!Was this review helpful? YesRead More
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User Score103 people found this review helpful!I contacted Pacific Debt one year ago. Spoke with Rian and after hearing everything was EXTREMELY septical. I enrolled anyway as it was my last resort before bankruptcy.
I must say every assurance and promise made at the initial enrollment has been kept.
My account was placed with Kristin and although I endured months of debt collector phone calls everything fell into place. Phone calls ended and settlement offers started coming through.
90% of my accounts (~$20,000) have settlements in place for 50% of total with the exception of 2 very small credit cards that I am confident will be included now.
I can’t begin to convey how relieved and happy I am the debt treadmill is coming to an end.
One word of advice, if you cannot complete monthly payments do not enroll. This is not a reflection on Pacific Debt but on you. This is an opportunity to be debt free in a relatively short time don’t waste it on a half-hearted effort on your part.
Do whatever you need to do to stay on track and if you fulfill your end then Pacific Debt will come through for you!
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User Score100 people found this review helpful!My experience with PacDebt has been amazing! I was so discouraged by my extremely high credit card debt & the ‘criminal’ interest rate charged by the card company. It took only a few months (5-6); After enduring the endless multiple daily calls from the card company – which I didn’t answer! the calls stopped immediately upon PacDebt performed their outstanding feat that will enable me to get totally out of debt. It will take a few years, but at the low interest rate PacDebt succeeded in obtaining for me, I can now get on with my life. I am so relieved! Many thanks, PacDebt!Was this review helpful? YesRead More
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User Score100 people found this review helpful!About three years ago I lost my job and with a family of 5 we had to use the credit cards to make ends meet. Upon getting a new job we just couldn’t get ahead. A friend referred us to this company and they have allowed us to get things in order. We have been educated through the process and have lived to learn within our budget and now even save some money. We wouldn’t be where we are today without this company and all the people at Pacific Debt. God bless all of them.Was this review helpful? YesRead More
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User Score100 people found this review helpful!I have been quite pleased with the service from your company. At first, I thought little was happening but now things are really moving along. My contact is Shonna Gillis who is very knowledgeable and courteous. She is always ready to help.Was this review helpful? YesRead More
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User Score101 people found this review helpful!They man not have rode in on a white horse, but Kimberly Becker and the client care specialists at Pacific Debt saved me. I was drowning in debt but with their help I am now on the road to being debt free. Thank you for the words of encouragement and always there to answer my questions.Was this review helpful? YesRead More
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User Score100 people found this review helpful!Going through a debt settlement with Pacific Debt Inc was unbelievable.The attention and patience that I received expecially from my Account Manager Jessica Enright is undescribable.I feel so relieved that I made this choice.Was this review helpful? YesRead More
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User Score82 people found this review helpful!My account manager was Jessica Enright and she was great. She was always available and return all my phone calls. Any question, access to my account, payments info, she promptly addressed. My settlement was well below the debt, so I’m very happy with the companyWas this review helpful? YesRead More
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User Score100 people found this review helpful!Jessica Enright and her team have been totally professional and courteous during this difficult time in my life. They were very up front with me regarding the process and I am very satisfied with the ongoing results! If you are in a high debt debacle like I am, they can help. I highly recommend Pacific Debt!Was this review helpful? YesRead More
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User Score91 people found this review helpful!I found working with Jeremy Saltzer and eventually Jessica Enright to be professional and pleasant. The extremely difficult task of going through this type of business made it especially nice to have these two to help calm me and encourage me. I had to pull out of the program prematurely due to a debt collector who chose to take nothing for his client and would not budge at all. It was unfortunate that some would rather feel powerful and loose their client all their money instead of working with Jessica and come to an equitable decision! Jessica tried very hard to get him to move. I would recommend your company to family or friends if they needed this type service! Thank you! Jerry P. HawkerWas this review helpful? YesRead More
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User Score91 people found this review helpful!I couldn’t say enough good things about this debt consolidation company. I talked to 4 companies and this comp Pacific Debt was the only one that was educated on your options and told me the truth about the program. The expectations they left me were realistic and the honest approach is hard to come by now a days.Was this review helpful? YesRead More
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User Score107 people found this review helpful!I have been scammed before and going into looking for help I was looking for just one thing. I knew I wanted a company that was licensed or something showing credibility. This company is licensed in Colorado and has an A+ rating with the Better Business Bureau. I felt comfortable with them from the start and they have proven themselves worthy thus far.Was this review helpful? YesRead More
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User Score103 people found this review helpful!GREAT! So far loving these guys and gals. They are professional and genuinely care about your situation. I love how I have one main account rep to work with and will always be there to answer my calls. Thank you for the peace of mind and commitment to get me out of this mess.Was this review helpful? YesRead More
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User Score102 people found this review helpful!My experience with Pacific Debt Inc. to date has been outstanding. Why? The first of my five credit card accounts was settled recently in an amount that was 60% of the balance owed. The company and their Senior Debt Negotiator, Kimberly Becker, settled the account far quicker than I expected and they have continued to keep me fully informed and at ease from day one. I couldn’t be more pleased.Was this review helpful? YesRead More
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- 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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