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Pacific Debt Inc

Pacific Debt Inc

 4.6/5 (539 ratings)
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  • 1 stars
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About Pacific Debt Inc

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Pacific Debt was founded in order to address the growing tide of consumer debt in America. Today, Pacific Debt is a leader in the debt settlement field. The company settles millions of dollars in consumer debt each month, while maintaining the original vision of a consumer friendly experience. Above all, the biggest difference between Pacific Debt and many of its competitors, is the personal level of service the consumer receives throughout the process. From enrollment to client care and account management, Pacific Debt cares about their customers and their satisfaction.

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    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • Free consultation
    • Option to avoid bankruptcy
    • Full range of debt relief services

    Cons

    • Fees as high as 25%

    Bottom Line

    Pacific Debt Relief offers a full range of debt relief services. While fees might be as high as 25%, it’s worth it if it helps you escape the cycle of debt.

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    Pacific Debt Inc Reviews

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    Page 2 Reviews 10 - 20
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 22, 2019

    When I was getting into debt, I used Pacific Debt again. Sometimes though, their account manager could interact better with me. I've reached out to them and it has taken days for them to respond and get back to me. For my payment plan, their reps would contact me and let me know that they've made a settlement. Then, they would send me the paperwork to sign off on. They explain everything too. Other than the communication issue, everything’s been really good with the program. I’ve enjoyed it.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 10, 2019

    I have credit card debt and after going online and searching, I went with Pacific Debt. Thus far, they've been sending me an email every month to let me know I can go online. I'll be done with the process in December and I'm happy and excited that it's almost over. Pacific Debt did a good job. Everything was straight up.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 3, 2019

    My friend recommended Pacific Debt to me. My experience with Pacific Debt has been going well. However, I contacted the number that I was texting someone and no one has answered back to me what I was asking. And I still haven’t viewed the account where the money has been going. But the process was easy. The rep explained everything as well. I feel comfortable with the payment too.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 2, 2019

    Everything’s been super simple with the Pacific Debt process. The debt personal account manager has been informative and answered all my questions. I'm just starting and I feel it’s gonna work out really well. Everything’s perfect and I couldn’t ask for more.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 30, 2019

    I shopped around and liked the Pacific Debt's approach. I read quite a bit and I was informed about how they commission and how they work so I was a bit more prepared to negotiate a better deal. I had a friend that actually went through the process so that helped me as well and made up my mind that I wanted to do it. The cost is fair and I really like how they have handled the process overall. They have been on top of it and calling me, and it's been good. It's a tough decision to make given the consequences but it has been making up for the lapse.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: July 2, 2019

    I ran into financial difficulties and I needed to try and get myself cleared out. I had to eliminate debts because I couldn’t pay them. I checked out Pacific Debt after I talked with them and they were rated pretty high. I know there are a lot of companies out there now but they seemed to be about as good as anybody. So, I went with them and my experience has been great so far. I got into a debt resolution program on my credit cards and they had it figured out for almost a complete four-year program. I enrolled approximately four months ago and right now, they're waiting. It’ll be about another month then they’ll start talking with the credit card companies and making arrangements. The reps I’ve dealt with have been good and they’ve answered all the questions I've asked. And they contact me a minimum of once a month.

    Pacific Debt Inc response

    Thank you so much for sharing your experience thus far. We look forward to assisting you through this process and will be in touch with you each step of the way.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 22, 2019

    Due to medical problems, I enrolled with Pacific Debt. I did that over the phone and it was pretty easy. Their customer service was professional and they were very good to me. I got a hold of them easily. They set me up on a good payment plan. It was straightforward and I understood it on the first go around. But I had to stop with the program for personal reasons.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 21, 2019

    From my first contact with Julia I felt very confident I was in good hands. She is aggressive in a good way, compassionate, a good listener and most importantly, reassuring. She contacts regularly & I always feel better after speaking with her.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 20, 2019

    Everyone I spoke with was compassionate, supportive and responded to all my questions and concerns in a timely manner. Julia was extremely informative and competent! I had no negative issues with Pacific Debt Inc. I do not regret having made the call to this organization.

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: June 18, 2019

    Pacific Debt is doing the consolidation for the credit card debts I had. I started it in January so I’m like six months into it already and I haven't seen any progress. Also, I wish the payments were a little bit lower because I am having another child soon and it’s really hard.

    Pacific Debt Inc response

    Thank you so much for your review. In reviewing your file, it appears we are very close to securing your first settlement. Hang in there, you will begin seeing progress very soon. One thing we always try and do is make sure we are settling the right account at the right time, so in some cases we may pass on an early settlement opportunity in order to secure a settlement on a larger or more difficult account.

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    Pacific Debt Inc Company Information

    Company Name:
    Pacific Debt Inc
    Company Type:
    Private
    Year Founded:
    2002
    Formerly Named:
    Pacific Debt Inc
    Address:
    750 B Street, Suite 1700
    City:
    San Diego
    State/Province:
    CA
    Postal Code:
    92101
    Country:
    United States
    Website:
    www.pacificdebt.com