Pacific Debt Inc.
Pacific Debt offers competitive pricing secured by a money back guarantee. No credit score is required.
M–Th 8–5pm / Fri 8–3pm (PST) 1-(844) 801-7235
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
Time in Business
13 years. Pacific Debt Management was started on June 21, 2002.
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 relief 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 settlement 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 settlement offer. At this point, their team of professionals negotiates with creditors to settle 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 relief status.
Accreditations
Yes, this company holds an AFCC accreditation and IAPDA accreditation.
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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 Score101 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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- 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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