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Pacific Debt Inc

Pacific Debt Inc
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Overall Satisfaction Rating 4.62/5
  • 5 stars
    398
  • 4 stars
    86
  • 3 stars
    34
  • 2 stars
    10
  • 1 stars
    4
Based on 532 ratings
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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.

Pacific Debt can service the following states: Alabama, Alaska, Arizona, Arkansas, California, District of Columbia, Florida, Hawaii, Idaho, Indiana, Iowa, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, South Dakota, Texas, Utah and Virginia.

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Pacific Debt Inc Reviews

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3 featured reviews
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 23, 2019

Julia was very supportive of me through all this. She always responded promptly and was very helpful. I received numerous emails, texts, and phone calls keeping me advised as to what was going on so I never had any questions or concerns through this difficult time.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 25, 2019

Josh ** was our account manager. Our family much appreciates the future Pacific debt has helped us to secure for us from here on. We can’t thank you enough for helping us to dig ourselves out of something that seemed impossible not that long ago. We praise you all and we are thankful for everything you have done for us! You have given us a new beginning!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 25, 2019

We were with DebtWave and they suggested Pacific Debt to us. We then chose Pacific Debt because of the recommendation. Their enrolment process was easy and we're just getting into the program. The reps were really friendly. They helped me out through the whole thing. In terms of the payment plan, they were good with working with me on it. Though I’m still at the verge of I don’t know what I should do, my experience has been good so far.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Feb. 15, 2019

Pacific Debt always was responsive and treated me with utmost respect. I was able to cut my debt load by 40% and completed the program in half the anticipated time. I will never have to use their service again but would recommend them to anyone.

2 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Jan. 28, 2019

I was with DebtWave and I told them I wanted to pay the money off at a smaller amount. They were not able to do that for me, so they suggested Pacific Debt and I went with the suggestion. The enrollment process was typical and the account managers were very professional. Although nothing has been settled yet, I'm paying less money each month. Pacific Debt gets a share of around $25 a month and when you add that up for three years, that’s a nice little amount. Nonetheless, there has definitely been less stress since working with them.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 18, 2019

Pacific Debt had really great reviews when I looked them up online and my friend said that they really helped her. I just got started with their program. They're very detailed, easy to talk to and are really there to help. They explained to me the way everything would run. They're gonna pay off my debt, and I'm gonna be paying them a certain amount every month of taking care of it in the long run. Also, they call me every now and then to check up on me and they're always on top of things whether through the phone or email. Everything that they're doing is ace.

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

I was interested in debt consolidation and I researched some of the top debt consolidation companies on the internet and in the country. Pacific Debt appeared to have a good reputation and rating, so I called them and started the process. I was also in the process of trying to get a refi, thereby not needing the debt consolidation so I'm still working on that with the refi company and I am on hold right now for at least a month with Pacific.

I have one complaint with Pacific, and that was when I started getting the feeling like they had moved forward with my account without my full consent. But apparently, that wasn’t necessarily the case. They made no draws so they did the hold that I asked them to do, but it was misleading because the emails made it look like everything was. One of their girls I worked with was a little bit short with me, but we've got it resolved. And everyone else has been fine.

It's so easy to just take people’s words for everything nowadays because of the amount of paperwork that gets thrown at you in these situations. The fine print is a lot, and I felt like I was pushed to just go ahead and sign it and send it over. I've seen times where it's really good to at least glance over things. We have to be careful. There's a lot of corruption out there.

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Dec. 22, 2018

I had a need and I found Pacific Debt on the internet. I talked to them to try to get my debts settled. They explained that you have to deposit into an arbitration account, a firm, which is equivalent to the money that you owe, broken down into smaller payments. And then they use that allocation of funds and go see a lower balance and a lower payout for them to get to and resolve the issues, and get them resolved on your credit report. I had about 25,000 worth of debt and Pacific Debt have broken down the payments about four into the month, which was important. However, I was really concerned about the fact that you had to wait six months and basically let the accounts default before they would transact.

I’m about three months in the process and I need to turn some documents in to continue. I knew about keeping everything on a legit standpoint as far as giving them the power of attorney and all. Michael, the person that I worked with was really diligent. He called me several times and tried to get me to send documents. They need to be a little more clear though on what the cost is involved at the beginning. I didn’t really understand it at first. They had to explain it several times for me to get clued in on what exactly the process was. They were ambiguous at the beginning. But I felt very comfortable working with them after I understood everything. They were really responsive to any questions I had, whether that be by email or by telephone. Pacific Debt is a good program. As a consumer, you gotta ask questions and do your due diligence.

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2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 21, 2018

I had some credit card debt and I read a few articles online. Pacific Debt was one of the companies that were recommended. When I contacted them, they were persistent in calling and emailing me. The earlier neglect on their part was, in one way, they wanted my business and on the other hand, they were patient. But they were efficient and also persistent on following up and with certain updates when I got to discuss.

They got my information as far as the creditors and the amounts. Then they set up an account where I could deposit some of my savings so that they could start settling with some of them. They also asked questions, like what my expectations were, and they gave me all the options. That was how I was able to understand the program, how quickly it could be done and what needed to be done as far as the payment. They worked with me on the payment plan and were very flexible. They understood what I was able to contribute. There was the possibility to accept higher payment amounts and also, reasonable monthly amount based on my regional state budget.

Nicole was also very easy to understand and she understood my emergency and my needs. She started working on it as soon as she got the account and she would email. She was very prompt and to the point. I was impressed with her readiness in letting me know what to expect as far as settling the amounts. She provided realistic expectations. Since then, they've been able to settle and I was impressed with the speed by which I was able to settle with some of the creditors. There are two small accounts left that they’re working on to resolve by the end of the year and by the end of the month. Pacific Debt has made things quicker based on what I could do. The information provided was valuable and working with them gave me some peace of mind.

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Dec. 16, 2018

I wanted more monthly payments or get rid of debt faster and when I searched online, Pacific Debt was the most top-rated by other customers. I didn’t end up enrolling in the service. That program wasn’t for me at the time. But they offered a lot of information regarding the services. The only thing that was hard on me was the hours they were available. I work and I get off at 5:30. So when they would give me a call during the day, I couldn't take their call. Then when I would try to give them a call, their offices were closed. It would be nice if they had longer hours or later hours to talk to someone. Otherwise, they were pretty much straightforward and I felt comfortable.

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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
Phone:
8777223328
Website:
www.pacificdebt.com

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