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 Score100 people found this review helpful!Nicholas Howes made my husband & feel very comfortable with the whole process of taking care of our debt! We are very happy with his service of our account & will recommend Pacific Debt to anyone needing help with financial debt.Was this review helpful? YesRead More
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User Score101 people found this review helpful!My very first account was just settled by Kimberly Becker. I have a long way to go but I had told Kimberly that this was the one I was most worried about since I had received a court summons. She delivered and now I will not have to go to court. What a relief. I now feel more confident that I have a chance to get myself out of the whole I created.
Thank you Kimberly!Was this review helpful? YesRead More -
User Score100 people found this review helpful!Pacific Debt was great. I was not sure what to think, but the representatives explained everything. They answered all of my questions and best of all settled all of my accounts. I have Pacific Debt to thank for being debt free.Was this review helpful? YesRead More
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User Score101 people found this review helpful!Shonna Gillis is awesome, she is constantly checking up on the accounts that I have with Pacific Debt Inc. and have been able to settle two of the four debts that I have. I have only been with PDI. not even a year. Thank you Shonna and PDI.Was this review helpful? YesRead More
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User Score81 people found this review helpful!Pacific Debt helped were a great help to me in settling my debt. They always answered my questions and were patient with me when I was stressed about collections calling and bothering me. That was the part that I didn’t like. All the phone calls and problems with the collections people. Armando at Pacific Debt was awesome. He helped me whenever I needed it and is still assisting me while I finish paying off my last debt settlement.Was this review helpful? YesRead More
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User Score101 people found this review helpful!I am very pleased with the care and attention to my situation. I am guided by my account representative Jenifer Mcbride every step of the way and she answers my questions the same day I send her an email. I am happy I chose Pacific Debt!!Was this review helpful? YesRead More
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User Score101 people found this review helpful!Kimberly Becker has been wonderful in helping me reduce my debt. She returns my calls and emails within a day, if not the same day. I am very happy with the help she is giving me, and also removing the stress that comes with these situations.Was this review helpful? YesRead More
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User Score100 people found this review helpful!Kimberly Becker is my account manager and she has been very kind and straight forward about what needs to be done with my payment plan, she is on top of these creditors and she always updates me with what is going on. She has been professional and providing great customer service.Was this review helpful? YesRead More
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User Score101 people found this review helpful!I was feeling very concerned and embarrassed with the state my finances had gotten in. Pacific debt helped make a bad situation a million times better. Their staff was personable, kind, patient and knowledgeable. Their service was AMAZINGLY and they ended up saving me a TON of money. Thank you so much guys!Was this review helpful? YesRead More
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User Score103 people found this review helpful!I wasn’t that much in debt, but debt is debt and no matter how you feel you will one day need to take care of it and Michael Dunn and Jen McBride have done an awesome job of getting my debt in order and paid off very quickly. Thanks to them and all their hard work and efforts.
Thanks again Michael and Jen!
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User Score102 people found this review helpful!Contacting PDI was the best decision I could have made. My only other option was bankruptcy, which would not have been the most responsible choice. Kim has been so helpful and has successfully settled two accounts for me so far. I look forward to getting out of debt and although I am pleased with the PDI experience, I hope I never have to go through this process again. I highly recommend PDI. They are informative, professional and helpful.Was this review helpful? YesRead More
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User Score93 people found this review helpful!My experience with Pacific Debt Has been very good so far. In the short time I have working with them, my rep Kimberly Becker has gotten a settlement on one of my accounts for about 17% of the original balance. If these results continue, I will be out of debt in a very short time, much sooner than I anticipated.Was this review helpful? YesRead More
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User Score103 people found this review helpful!My experience with Pacific Debt has been an rewarding one. Being in debt and trying to get out of it on your own is not an easy task, but with the help of Pacific Debt my days of worrying over debt is just about over. I have been in the program for just about 2 years now and with the help and guidance from Kimberly Becker. I am one account away from being debt free. I want to thank Pacific Debt and a special “Thank You” to Kimberly Becker for making my life debt free.Was this review helpful? YesRead More
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User Score100 people found this review helpful!It has given me great satisfaction to be working with Kim. She is efficient and prompt when I ask for assurance. She is always professional and makes you feel important.
I appreciate the service i have received with her and your company.
Thanks,
Joette ReavesWas this review helpful? YesRead More -
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User Score101 people found this review helpful!The companies credentials speak volumes for the company. Best customer service I have ever received. Our account rep has held our hand throughout the entire process and has already saved us more than $40,000! Thank you Pacific Debt!!!Was this review helpful? YesRead More
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User Score101 people found this review helpful!They have all been so helpful and understanding. It is hard when you get yourself into a financial hardship and just cannot pay your debit. PDI was right there, with ways to help me, support me and get me out of debit. They were always calling to check in and make sure I was doing okay while waiting for settlements to be made. They are really awesome! I would recommend them to everyone!Was this review helpful? YesRead More
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User Score100 people found this review helpful!Excellent in all respects! I was treated considerately while my debts were handled. My stress level went down, as well as what I owed. My debts are virtually gone. It didn’t happen overnight , for sure. The counsellors stuck with me all the way. I’m thankful for them!Was this review helpful? YesRead More
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User Score100 people found this review helpful!As a former resident of mid-coast Maine, the post 911 recession took an enormous toll on my financial life. My wife and I were both laid off, real estate tanked, but we held on using credit from a total of seven different cards. Ten months ago I had a total credit card debt of more than $85,000. and stressed every day like there was no tomorrow. Monthly payments continued to dig us deeper into the hole.
I did a web search out of the blue and learned about Pacific Debt, and was reassured by the BBB rating. It was enormous relief at the onset to have this firm represent me and to be at the helm in resolving this (obscene) debt that had consumed my life. They have been nothing but pleasant and professional, not to mention enormously effective in reducing the balance amount to payoff the debt these creditors allowed us to accrue.
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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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