Pacific Debt Relief Reviews

Roger ** and the team made a bad situation bearable, taking the stress and anxiety out of our lives. Divorce is never easy, and when finances get thrown in, it is really a mess. My son is finally free and clear of his marital debt and can really start his life over now. Roger's support and guidance was a blessing.

Julia ** is wonderful. I was so nervous calling and deciding to go this route with my huge amount of debt, but Julia was so patient and explained everything slowly and in detail so I understood exactly what I needed to do and how the process worked. I spoke to other companies but this was the one who seemed to think of me as a person. Julia has called me several times to see if I was still happy and comfortable with how my program was progressing.. Like I said, she is the best!

It was pretty easy to enroll at Pacific Debt, except after I got started, I got lost to where I was supposed to be and what I was supposed to do. But Nicholas, the rep, gave me his number and told me to call if I needed anything, and he’s been very helpful. So far, everything’s good.

The Pacific Debt rep that emailed me, emailed me a lot of information about Pacific Debt. He didn't bug me and just called me back when I said, “Call me back and let me look over some information.” He gave me time to look it over. He was also more convincing than the other people that I was talked to. I felt more at ease with him, but I’m still having problems convincing myself to do this. I’m going through it, but I’m still gonna pay them a couple of my bills. The other person that I talked to was pretty nice too. I wasn’t able to pay my rent and couldn’t pay my utilities. But with Pacific Debt, I would be able to do that. When I signed up for consumer credit counseling, they gave me a monthly payment that I could still survive.

I was trying to get consolidated and somebody recommended Pacific Debt to me. I also checked out a few of them and it was all hitting around the same kind of mob. With the Coronavirus, a lot of are things going on right now. It’s not even close to normal times. I tried one or two before I changed my mind. I then tried to get back to work and didn’t get back working. I said that I’d go ahead with Pacific Debt and hopefully, I could get back to work and get it. The Pacific Debt rep was pretty good.

The picture and the stories on Facebook made me decide to use Pacific Debt. I worked with a team of three and they got on me on getting things so they could help me. They were able to help me out by designing the plan, showing me how to do it, and sending me information. They also gave me a specific timeframe.

When I looked at Pacific Debt, they looked like someone I might want to work with. I’m just a month behind on my bills, but I was told that I needed to be about three months behind. I was concerned about that because I didn’t wanna do that. I wanted to start working on my bills immediately but they said I needed to be behind on the bills before they could call and say anything on my behalf.

I inquired about Pacific Debt before and I know how this program works but the way the rep explained it earned my trust. They provided the lowest monthly payment, which was what I was aiming for. The debt settlement process was extremely simple and they made it even easier to understand. The rep introduced himself and gave me his main contact number. I told him that I didn’t wanna speak with five different people. If they were gonna explain something, I wanna be able to come back to them so they could answer the questions that I have. They said that wasn’t a problem. The first person introduced me to the program and he said that he was not gonna be handling my account, but I could always count on him for anything. Then, he put me in contact with someone else. So far, I'm completely comfortable with the process. I was talking to two other companies as well and it didn’t seem like I could trust them.

We had a super positive relationship during our program process starting in August 2019. Julia was very helpful and always available for any questions that we had. She followed up with us every couple of weeks to make sure we were happy with the process and to make sure she was available for us. She was always super positive and upbeat which was a blessing to deal with.

Pacific Debt had a really good rating, and they were able to help me with my massive debt. They gave me an affordable monthly payment amount and they would directly pay my debtors and try to negotiate the settlement prices on the debt to a lower one, so I was able to afford it all. The only thing I didn't like was having to wait six months being so severely in debt, but that was the only way to get the negotiation down. Of course my credit was hit horribly, but other than that, I have enjoyed my experience with them.

Pacific Debt's service was excellent and the program was good. My two account managers were professional and I was comfortable interacting them. I talked to them two or three times on the phone and some stuff through text. They got a hold with all my creditors and gave me a good monthly payment. The agreed amount was fine. I even increased it to another $100 later on. They made payment over a certain amount of time and their settlement program didn't take as long as I thought it would. I'm now done with it and so far, my credit is better. I've got more money, less debt and less stress, too. It was a good experience, overall. If somebody would be in the same boat, I'd tell them to go to Pacific Debt and they'll help them.

Pacific Debt helped me consolidate my credit card debt. My representative was good. He had very good communication with me and gave me the details before moving forward with anything. So, it was good. They asked me what payment plan was comfortable for me and we went from there. The program is pretty good the way it is. It’s helping me build my credit back up. It’s working for me so far.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

I did some research online and Pacific Debt was the highest rated. Other people who has worked with them seemed satisfied and Pacific Debt’s methods of handling the accounts and everything was straightforward. I had a couple of credit cards that I was looking to refinance because they were too high as well as my credit percentage. So, they consolidated it into one account and helped me get a lower payment to get rid of all of it. I was told what I owed and how they were bound to a certain level, given negotiations with the bank. I had a set credit amount that I pay every month but the said amount of what I would be paying went up. They said that I had to pay a little bit more because I would have to pay a monthly fee of my credit card at a time. It made sense but I was never told about this in the beginning.

Julia ** it has been very supporting, calling me all the time, explaining the process, asking me for statements, making feel at ease. I cant wait to see my debt clear. Thank you so much Julia and Pacific Debt. Am looking forward to work with my account manager Josh.

I would like to share with others. The great experience I had working with Julie. She kept in contact with me and motivated me to stay with my eyes on the prize. I hope that whoever has a consultant. There as motivated as my consultant was. Thanks.

Julia has been so helpful! She has explained the process so well and has been very patient with all my questions. She has made the decision to enroll in debt negotiations one I will not regret! She's a great asset to your team!

This past months would have been bad and very stressful, but for me they have been great! I found Julia, or Julia found me and she had helped me in every step of the way with getting started and understanding all that it is with Pacific Debt. I was really nervous at the beginning with a lot of questions and she just help me understand the process while making me feel at ease with everything. I found not only a consultant, but a friend in Julia, I'm going to miss her calls for sure. She's awesome at was she does and I hope she continues to help more like myself. Keep on the great work Julia!!

Choosing to seek assistance from Pacific Debt has been one of the best decisions I have ever made. With their help, I went from the extremely overwhelming and debilitating feeling of drowning in debt with no relief in sight, to the comfort of knowing that an incredibly talented team of people were working tirelessly on my behalf. The employees they pair you with along the way provide continual support and guidance. Julia made sure that I understood the process and provided me with encouragement, while also keeping me accountable. She alleviated my initial fears by being non-judgmental and even built my confidence with her reassurance. I’m excited to continue with the process and am so thankful for their whole team and the difficult work they’re willing and eager to do.

Julia has been exemplary in managing my account. Leading and guiding me through the unchartered waters of restructuring my financial life. Not only does Julia hold your hand in the process, she empowers you to be proactive for the ultimate positive outcome! Kudos to Pacific Debt for realizing “Julia is indeed a special gem”!!!

I first talked to Julia when we started the program almost a year ago. I went to her with my fears, insecurities and uncertainty about the program. Our lives have been in a complete spiral after losing my job of 13 years, and two major surgeries. We were drowning in debt (a position we had not experienced). She has walked me off the ledge more than once. Most recently, (yesterday) I was frustrated and mad and concerned and even though she is not my account manager she once again eased my fears and concerns. In my humble little opinion, she is a rock star, She not only does her job amazingly well, she actually cares about her subjects. I would have gone insane by now if not for her, Thank you Julia for always being willing to help me even though I'm not yours to take care of. I really appreciate her.

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.

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!

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.

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.

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.

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.

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 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 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.

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.

I had excess debt and before deciding on Pacific Debt, I compared companies online. There were various sites that rated them. Pacific Debt is going to renegotiate my debt and the program just started. The consumer assistance team is working with me right now.

There was a time when we were way behind in credit cards and we were looking for somebody to help us with that debt. We had another company and they were rated really low. I found that Pacific Debt was rated highly so I changed to them. Their rep, Kimberly, was very helpful. She always answered my emails and was always there if I needed to talk about something. She always told me anything I needed to know.

We had credit card debt that we got into to flip houses and the reps at Pacific Debt were polite, upfront and seemed to know what they were doing. During the application and enrollment process, everybody was very helpful. The account manager was very friendly and personable. We went into debt settlement and the payment was what we expected, so that was good. Working with Pacific Debt has provided relief since I know that there is a plan and that the debt can eventually be taken care of.

From the beginning the staff at Pacific Debt has been nothing but professional. They never tried to "sell" anything to me. I felt they were more interested in helping me, making sure I understood the options I had. The individuals I have had the privilege to deal with have been professional yet understanding and helpful. They have been comforting when necessary helping us understand what was happening each step of the way. Once we made our decision, they made it easy for us. I would recommend Pacific Debt to anyone who needs their type of expertise.

I had challenges with the rise in interest rates, I just went through divorce, my son was in college and had moved, and I just took a new job but it wasn't the same salary. So, it was a confluence of a perfect storm for needing help. Pacific Debt stuck out based on my personal research on them, and they were the best choice. My personal account manager answered the questions that I had. She was clear on the program and where we were at in the program, and she gave me her contact information. My payment plan was cut and dried. They told me what they'd do and what it would cost me.

A guy called and said something about helping me get rid of my credit card. I talked to him and asked him some questions, but I wasn’t convinced by his answers. I went online and started doing some research. A guy who researched several companies that dealt with alleviating credit card debt came up and Pacific Debt was one of the companies that he referred.

I worked with Pacific Debt and it was great. There were no hassles and I’m debt-free now. Everything was set and that’s because I did it before the plan was over. Plus, my worker, Luis, was great. He was always there to give me all the feedback and information I needed right on time. He was very detailed, very clear, and with a good sense of humor. The cost was fine for a great quality of service. I also have recommended Pacific Debt to many people.

We started out okay but soon determined filing bankruptcy was in our best interest. At first our customer service rep was great but apparently she resigned. The next was very good, Nicole **. I would say for those with a LOT of debt this is not a good program.

Service was excellent. My Account Manager was most helpful, informed, non-judgmental. Your staff prior to signing up were all completely profession, informed and made access to your program easy. Luis ** was my manager. I would have made a recommend on another site provided, however I could not navigate. This was a success for me. Thank You.

I have been with Pacific Debt for about 2 1/2 years, as they are settling a number of accounts for me and have reached settlements with 5-6 of those accounts with about 4 being paid off. I have been very pleased with their service and would not hesitate to ever use them again.

Two credit cards got out of hand and we're on a fixed income. The situation got more than what we could handle. I did some research on the internet and found out which companies are considered good, and we also wanted to see who'd be the ones that fit our needs. Pacific Debt provided us a program to clear up the debts. They're paying off one at a time as soon as the money comes in. We pay two of the cards monthly, and then they take care of pushing it. We had just got a judgment filed on one of the card companies and now they think they're going to get money. But all we are is Social Security, so we have Nicole, Pacific Debt account manager. The problem is that same attorney's been working on one of the credit cards, and we cleared it up. But he would not accept waiting for the other one. Nicole's been in contact with the office, but as I'm concerned, the attorney is a jerk.

It has been great working with Pacific Debt. The peace of mind I have now is all thanks to them. They have worked tirelessly to get me out my debt and I am grateful. Everyone there has been a real treat and I can't wait until I am done and completely debt free again.

Pacific Debt has been handling my debt payback to multiple credit companies for almost 2 years now. I appreciate the professional and down to earth approach when dealing with me and my personal debts. Tina and her team really went to bat for me when 2 companies filed to sue me for the balance I owed. Pacific Debt arranged a settlement for payback, and stopped the lawsuit! And over the course of time with Pacific Debt, my credit rating has improved dramatically! Thank You Tina and everyone at Pacific Debt.

Would not use this company in future. The account manager assigned to my account did not return my phone calls. I would be the one to have to keep calling. They also did not settle my accounts in a timely manner, I ended up settling two accounts on my own.

Was very pleased at first with Anisa, who is no longer there. She encouraged me and kept me from crying about my situation. She worked quickly and out of 5 creditors have been paid in full and I just filed my taxes and all 3 had submitted 1099-C forms which I dealt with. Ellen my new rep is very nice but doesn't seem as aggressive as Anisa, and doesn't stay in touch and seem to care about me or my situation. I feel like a number to her and not sure my best interests are being cared for - She is nice but I have to beg for info. I can't find my balances on each account at Xroads, and so far have not gotten the help to find them.

As of today, Pacific Debt has settled several of my accounts. I am currently waiting for them to settle the final 3 and then I will be finish with the program. Nicole and Quiana have been very helpful and have kept me up to date on my accounts. I would recommend Pacific Debt to others but advise them to be prepared for their credit score to drop but it will go back up slowly.

ALL IS FINE. To me I need a little more explanation. Your settlement will done in 100 years or 10 months. Looking for that horizon, even though they do send settlement info... Where's the light at the end of the tunnel.

I have been getting emails and letters on the mail from debt relief companies saying that they can take my debt and make it half what it currently is so I reached out and checked a couple and then I chose Pacific Debt. They're working with my creditors to come to an agreement, like a debt reduction. Then I pay them a monthly fee and they pay the creditors from that. However I'm not happy with something they did. When I went to them my credit was in a really good shape. But one thing they fail to tell me is that in order to move forward with negotiating with the creditors they have to let my old accounts go delinquent.

Pacific Debt is one of the top rated companies that provides debt settlement. I'm now halfway through their program which is phenomenal. The cost is great and the account manager, Carly, is fabulous. She always sends me emails me and always checks in. If I can't make a payment, she does what she can. I ask her to hold it even if it's like a week before 'cause it's supposed to be a two week period. She definitely pushes everything through for me, so she's great.

If you need to get into a type of program to consolidate your debt, I would recommend Pacific Debt. Although there were good and bad things about getting into a program, I was happy with the way they handled my situation. At the start, I was comfortable with the way they presented their program and how they could help with my debt issues. They discussed with me the payment options and asked if I was comfortable with the numbers that they came up with, which I had to pay and if anything was to change in my salary.

My parents passed away and I got stuck with everything. I was using my credit card to take care of their stuff and my stuff as well, and my bills had built up from there. I looked at the internet for the ratings. Pacific Debt had really good ratings so I went to check it out. So far, they are doing a great job. I have one bill instead of four. They have a special account for me where every month, they take out something for the bills and they send an email to tell what was paid. My personal account manager is doing a great job as well. Her name is Ellen and once in a while, I call to ask what is going on. She keeps me informed all the time.

The debt relief program I have with Pacific Debt has been very beneficial and worth it for me. I have about a year left. I provided them the financial statements that I had concerns with and they took over on contacting those individuals and setting up a basic payment program. An account was set up and a monthly deduction gets sent to that. They handled matters through the debtors that way and the program helped me out tremendously. Nicole, my personal account manager, was very professional and I would highly recommend anyone to her. I was impressed with the way she conducted herself and provided the information on the overall process and how things would be executed. I'm very comfortable working with her. I've also been satisfied with the services and guidance that they provided for me. If anyone is in the same situation I was in, Pacific Debt would be a good point of contact.

I was in an overwhelming debt and I saw that Pacific Debt was an option of reducing that debt and giving me a one monthly payment. They took care of everything and reduced my debt by negotiating with my creditors and then they came up with one easy payment for me to make per month. When I'll be late on my payment, I call and let their personal account manager know that I can't pay it on the date that I’m supposed to. Her name is Nicole and I tell her that I can pay it three days later.

Everything is going smoothly so far. We're a year and a half into the program and have already closed some accounts. We were able to set up an escrow account to make the payments whenever negotiations work. In addition, my account manager was very customer-friendly. She listens patiently, gets all of our questions answered, and returns calls on time. We're very happy with her. Working with Pacific Debt has taken off some stress, knowing that we were going to be out of the situation soon.

I had an account manager for a long time that kept me informed. Recently my manager has been changed and I am not impressed with her. She does not keep me informed and when she says she will let me know something in a day or two, I have to contact her in 2 weeks because I still have not heard from her. I would like a new account manager please.

I looked up debt companies for Missouri and Pacific Debt came up as the top one. I have been with them for almost three years and so far, everything has been alright. They have performed the way they told me they were going to. During the debt settlement process, they told me how much my total debt would be after I told them what I owed. Although it's costing me a little trouble, they kept telling me how much I had and what we were trying to pay off for me not to miss any payments. They told me when they computed it out that it was going to take about 33 to 36 months. They were able to clear my debts and I’m on my last one now.

I've been very comfortable working with Pacific Debt. It made my life less stressful, too. I'm on their debt settlement program and it makes me able to pay all my debt up. We figured out a payment plan and the cost is good. It fell down to one payment instead of three different ones. Their representative walked me through the process and I found out what I wanted to do and what I needed to be done. And they did most of it for me. All my questions were answered, and I'm impressed with my account manager's communication.

Pacific Debt advertises as the best in the business. I had gotten cheaper rates from other debt consolidation companies, but I thought I would go with the top rated one which is Pacific Debt to help me with bad credit. If the best costs a little bit more, then I’ll pay a little bit more. They're drawing $255 out of my account every month and they keep an account at their place. When they make a settlement with somebody, they have to call me and let me know.

I had a lot of credit card bills and I wanted to consolidate them. I then went to the Better Business Bureau website and did research. I looked up Pacific Debt and they had a lot of good reviews. I then had them pay off my credit card. The first thing they did, I assigned them how much money I can afford to pay them a month. They set up $324 a month, which they'll deduct from my bank account every 28th. Every time I got a bill, I had to first tell them all of the credit cards that I have of the company with the account number. Then, I email them all statements. Once they go through the settlement and they start sending the bill, they will call me to say if it’s okay to pay that amount. So if they send one for $800 and they settle for $40 a month for 12 months, they will ask me am I okay with that. At first I was okay with their service because they were good. I saw that they were paying the creditors.

We’re on social security and I have some medical problems, too, and it got too much. I researched different debt companies and sought Pacific Debt’s services. Their representative has always been great, and I’m very pleased with her communication. She still emails me occasionally and lets me know that she’s there if I have any questions. I also still send her copies of my bills. We’ve eliminated three debts and they would like to beat them quicker but I couldn’t contribute anymore quicker.

We were needing some help and when we talked to Pacific Debt's people, they sounded like a good company. We signed up for their debt settlement program and we’re still going through it. It’s a really good program and it’s helping us pay off some of our debts. We keep in contact with Pacific Debt's reps and they let us know what’s going on. And if we have any questions, we contact them as well. I’m happy with Pacific Debt's service. They worked with us on our payment and we weren’t left with nothing. I would tell others to go with Pacific Debt if they needed help.

I was in the hospital and I was out of commission for almost three years because of a brain injury, and I got behind financially. I was with a different company before that didn’t do a thing in four months, so I got all the money back. I was searching and came across Pacific Debt. The first guy that handled my case didn't keep me in the loop, but the new lady that handled it did a good job. She was nice, and she texted me once a month and asked if I had any questions. Pacific Debt charged too much, but the cost was okay.

I had medical concerns and I went with Pacific Debt because they have the best reputation. I'm in the hospital right now, and I'm probably a year and a half in into the four-year program. My account manager has been really nice and upfront, and she takes care of things and makes good deals. She took over when the one I had before left. The account managers are very professional and they work hard as far as settlements. I make auto-draft payments every month. Pacific Debt has been really good, and their program helps me clear everything up.

We had some credit card debt that was more than what we could handle and Pacific Debt Inc made it sound like they could help us with it. It has not gone well. We got enrolled in a program and seemed that it was going well. They negotiated with Citibank for us and it seemed like a decent settlement. Not wonderful but we were willing to go with it for a fairly large amount. We'd been going along and making payments for more than 12 months. There had been a couple of months where we asked them to dip our payment for a month when we had other financial things come up that we needed to handle, but for the most part, we never missed a payment or nor where we're late with the payments.

I have had minimal contact with my account rep (which by the way has changed several times over the last year and a half) and often times it is because she made some sort of financial error and wants more money to fix it (miscalculated a settlement offer). That said, the customer service is not the worst. In fact, I feel like they have quite the sales team because man can they pitch their service. Here is my warning about my experience: If you use this company, make sure you fully understand how they operate. Do not let them summarize the contract over the phone, get off the phone and read it word for word.

Having excessive credit card debt, I searched online for companies that would do a consolidation that would be safe and ended up with Pacific Debt. I wasn’t late on anything and they had me not pay any payments until the point that my creditors were putting me in collections, which I hated. I sent in all my statements then Pacific Debt consolidated it to one payment. But there were four cards at the time and they only settled one. So, I have this really large payment that I thought was going to replace the four payments but I actually only replaced one. Now, I find myself even further in debt than I was and I haven’t been real tickled with that.

Some medical instances came up, then we got in over our heads. I had reached out to a couple of different companies and Pacific Debt's follow-up email to the initial phone conversation was the most professional. They seemed the most willing to work with us and get to know us. I did debt consolidation with them and they guided us through, notifying us that we were doing this. They helped us set up a payment plan, created the account for us to put the money in every month and then now, we’ve been working with Brian, our account manager, for almost two years.

I called Pacific Debt after I got something in the mail from them. I also looked them up online and they had mostly good reviews from other people. I enrolled in their debt settlement program and listed all the cards I had. They told me the total amount I had and what they could possibly get that down to. We went from there and I started by sending them statements monthly. A few months later, they reached a settlement with the first card. The people I've talked with were great. The first guy was Armando and then my account was turned over to Mark whom I’ve been with since then. I'm making payments once a month and so far, they have made paying my debt back a lot easier and a lot less stressful for me. If one is looking for a company that’s easy to work with and somebody who knows what they’re doing, then go with Pacific Debt.

I was in a really bad debt and Pacific Debt was the only company out of two that really worked with me. I had a couple of issues in my life. I was having a baby and they were tremendously helpful to me in helping me to make a payment on time. I've had a couple of personal account managers. I have Tina and then I have Armando. They’ve both been very good and they both worked really well with me. With Armando, if I had any problem and any questions at all, he responded to me within an hour. If he couldn’t respond to them, he got somebody else to do it. Currently, I'm about a little over halfway through the program. Working with Pacific Debt has gotten a lot of my stuff taken care of very fast compared to what I really thought I would. My mom is going to try to go work with them too for her debt.

I had too many credit cards and I got behind. I needed to get a way to pay them off so I did some research. I saw that Pacific Debt has a good rating on the internet, so I went ahead and used their services. They charge $400, which isn't much. Twice a month they take money out of my checking account. The money then builds up and they go and pay one debt off. I thought they paid it off in full but it sounds like they make payments on it. They gave me two years and how many months until I would be debt free. I'm satisfied with my experience and I would tell people to go for them, but I'm not really happy.

I had some investment that I lost all of my retirement income from. It was a real estate and it involved apartment complexes. I had to put the roof and remodeling because of the flooding. It turned out that the guy I hired wasn’t even licensed for it and I got sued by the city. All my credit cards are maxed out just to get it done to satisfy the city. And then, I couldn’t make the payment from the credit cards and I ended up losing the investment, plus having all these extra debts. I didn’t know what to do and didn’t want to file a bankruptcy. I couldn’t even take out a loan on my own personal residence. So I ended up deciding I needed to negotiate, but I had the money spread out on so many different entities. I didn’t know where to start or how to do it. I consulted with a couple of different people through the internet and over the phone and I chose Pacific Debt to help me.

I had outstanding credit card debt and I reached out to Pacific Debt. They helped me get the interest down and I could afford to pay off the balance. I had a couple of different account managers, but they stuck with it. They kept taking the money out of my checking account and I was able to pay it off. I’m done with the program and I’m credit card debt-free now. It was a good experience and Pacific Debt is a pretty good company.

I had two credit card bills that I couldn’t make both payments on, so I needed them consolidated. I couldn’t get a bank to consolidate them for me, so I had Pacific Debt take care of it. I filled out a bunch of paperwork and the program allowed me to pay a certain amount each month until my debts settled. Everything has been going okay except when I email, because my rep, Bryan, doesn’t email me back. I've only visited with him a couple of times, and it would be nice to have an email back or for him to call me, but maybe he's busy. I've been giving Pacific Debt money every month, and for them to not contact me pisses me off. Nevertheless, I am grateful to them for taking me on, and that I was able to make a payment I can afford. One account is resolved, and I'm settling my second account. Pacific Debt definitely has helped me out but communication isn't very good.

We wanted to get some debt off and we found out about Pacific Debt on the internet and we called them. At first, we had someone who took the application and then we were turned over to another person who was the account manager. That person was there for a month or two and then he left, and we were stranded for a while. Now, we got a girl and she’s good about most clients when in debt that didn't pay. There are also lawyers involved. We got certain papers on it and we got claims on our home as a result of being in this program. We did not precede that because that’s not the way the thing was explained to us. But that’s what happened to us and because of that, we cannot refinance our home because we have claims on our property that they have to be paid first. It has $7,000 to chill out and give these creditors. The girl does pretty well but all these other factors made it a not so great experience.

My husband passed away and left me with a lot of charged card bills which I couldn't pay by myself. I went online and looked at different companies, and Pacific Debt seemed to be one of the higher rated ones, so I took a chance and went with them. I asked them for help, and I have been settling my accounts through their three-year program. My account rep is Kimberly and she has done an excellent job. I talk to her every few months, and she keeps me informed of everything that’s going on. She emails me the offer and checks to make sure that it's okay with me. Pacific Debt is more than what I have hoped for, and I would tell my friends not to have any reservations to go ahead and go with this company. I've been with them for two years now, and we're probably a little ahead of schedule in the program. I've been nothing but happy with Pacific Debt.

My wife and I had credit card debt, and we did a lot of research on the debt relief industry. We initially reached out to National Debt Relief, but Pacific Debt’s customer ratings were higher than theirs. There are some big players out there that advertise on the radio excessively, but Pacific Debt’s rates are lower than some of the other brands. There was a $2,000 disparity in the cost of the program between National Debt Relief and Pacific Debt, which is why we went with the latter. The Pacific Debt team was really encouraging in the beginning. It erased any embarrassment associated with what we were doing, and they helped us talk through that. They also explained the process and how they settle the debt and how they are compensated, so I got there pretty clear. After that initial interaction, we didn't need as much contact with them, but whenever there was a settlement, they were very quick to contact us.

I looked through three companies but I had heard more about Pacific Debt before. They're helping me pay my credit report down through debt settlement. They added up all my bills on my credit report and figured out the amount that I could afford to pay them on a monthly basis so that we could pay the creditors. They came out with an average to it and built up an account before they started dealing with the creditors. Then, they called the creditors, worked out a payment arrangement at a lower cost and made a deal with them. Then Pacific Debt pay the creditors through my account.

I had things piling up and Pacific Debt helped me in the reduction in debt and interest rate. The program had greatly reduced the amount that I owe and I am about a little over halfway through. I talked to them and got a general plan of what the direction they were going and what they were trying to do and their plan of action. As you progress through, the payment goes usually high to low to try to get rid of it as much as they can as quickly as they can. Their customer support is good. They let me know when they have got a settlement and what the payments are. And then, the company that I'm settling with sends me a statement every month.

I had too many credit cards and too many debts. I couldn't afford them all and I wasn't gaining anything. I talked to somebody that I saw an ad for Pacific Debt and I answered it and talked to somebody there. They sounded like they knew what they're doing so we went with Pacific Debt. They consolidated my bills and I make a payment every month until everybody's paid off. There are a couple of things that I have to talk to them about because they missed a couple of credit card bills that they were supposed to take care of but all-in-all they did pretty good. The account manager has been really good as well and the payment plan that we decided on was reasonable. They are helping me get out of debt.

Pacific Debt has been great. I was unable to meet all my debt applications in a timely manner and part of the reason that we were in that position was that my son got cancer. Some of the reviews that I read talked about the way that Pacific debt was able to deal with people respectfully, which was my experience when I worked with them and especially by Josh, the guy who had been handling the account. We looked at my options at the very beginning and he was upfront with me, which has been good. He has been compassionate about the things we've gone through with my son and understanding about where things were. He responded in a timely manner and that’s been helpful. When I had a question, he was able to answer them.

I had a bunch of credit card debts, so I consolidated them and then put the payment plan together with Pacific Debt. They had a really good rating online as far as their reviews, and then I talked to a couple of people down there and they seemed to be good and knowledgeable. I went with Pacific Debt because I handle it myself online and I could do most of it over the phone, which worked out pretty well for me. They're in San Diego, so it's the same time zone, and I enrolled and we started rolling it from there. My agent, Josh, is really nice, and he knows a lot about what I needed and how the system works. He did really well, and I was happy with him. We spoke on the phone once a month and went over everything, and then my statement came up online and I could look on it on my phone and talk to them. They might have moved because they changed their address.

I went through a four-year program with Pacific Debt which eliminates debt if you pay them a certain amount. I went online to enroll and dealt with customer service first. Eventually, I was assigned a representative and signed online. I opened the account and put money on it. Then they paid my debts off. They’ve eliminated half of my credit card debts. We're working on the other half and it's over a year now.

I wanted to consolidate my debts and Pacific Debt popped out when I searched online a year and a half ago. When I did the debt settlement, I gave them all my information on each account and they gave an estimate of what I have to pay each month. Pacific is doing great although there are little things that need a matter of fixing. My credit score is going down right now. I called my account manager back in November and I requested to be part of the solution. But up to this moment, I haven't got any call from my manager. She was not the first manager who was in charge of my account. But I thought she would give me some cup of info back. It's February already and I gave up on that so I'm going to work that by myself.

I liked the credentials of Pacific Debt and the process was not that difficult. I had no bill collectors to begin with but my issue was nobody would work with me. I was not late with my payments so it was hard for me to get all the bill collectors calling me because I never had that happen before. Other than that, their programs have been fine. I'm halfway through completing the program with them and they seem to be doing their job. They call me when there’s a problem and inform me if I need to be informed. The cost is well worth it. Those at Pacific Debt are very thorough and helpful. I did what they asked me to do and I followed through.

I had a lot of credit card debt and I got in touch with Pacific Debt. The process was a little scary at first because I had to stop paying all my credit cards. But it’s going well as they’ve settled two of my five credit cards. I’m a year away to completing the program but I have to lower my payment because I couldn’t afford it anymore since I have a baby. So, I have two more years left. I’m comfortable working with my account manager, too.. She answers all my questions.

I was impressed with Pacific Debt when I called them. They helped me with my credit card debt by doing a settlement. Pacific figured out what I owed, what a comfortable amount would be for me and what they could do for me. They gave me a figure which helped me a lot because my total outgo was so much more than what they told me. Then I got a little bit of money, and they started getting hold of the creditors and setting up a settlement with them. They then called to let me know that they have a settlement and I have to agree to accept it, but I didn’t have to if I didn’t feel right with it.

Pacific Debt reached out and contacted the companies in our favor to make settlements with them. The process was slow but it's going. I wish they would have a little more contact with us and tell us what's happening. A couple old firms contacted me about settlements when they should have actually been contacting Pacific Debt. But I don't know whether that's Pacific Debt's or the law firm's fault. We also recently contacted Pacific Debt and asked them what error the cost was at this point and the total because we were looking to move some money around and I've yet to hear from them. Even so, their cost was reasonable and they've helped us and worked with us with our outstanding balances. I would definitely tell a friend about it.

I called Pacific Debt and they got all my records, and they then made the payments on my credit card debt. The process was very easy and their reps have treated me very well. However, I'd like for it to have gone a little quicker, but it's been paid now. I would recommend Pacific Debt to a friend.

I guess overall I am disappointed, I now realize that this is something I was already doing. I could have saved money and continued doing what I was. This WAY has negatively affected my credit score in a way I had not anticipated. I had asked about this prior to signing up and was assured it would only be affected for a short time. Not true, I am having a hard time rebuilding...and not with any assistance from PDI.

Pacific Debt helps me to pay my credit card. We set up a monthly payment and they take the money out of my bank account. Their quality of service is great and I call them when I have questions. We've been working with them for two years and it’s going well. There’s plenty of time and it's a fair time to pay them the money that I owe. Right now, there's less pressure to pay that.

I was looking online for debt reconsolidation. I was struggling to make the minimum payment on my credit card each month. I was going backwards because of the interest and fees. It was just overwhelming. I talked to a couple of companies, and Pacific Debt was where I could pay it off in the least amount of time. However, we weren't able to include my credit card through my credit union and that was a bummer. Credit unions aren't willing to negotiate debt or don't have to in the same way that credit card companies and banks do.

I listen to satellite radio a lot and I keep hearing about Pacific Debt so I went online and it looked like Pacific Debt had a better rating than the other company. And while they are giving me results I was looking for, there were a few surprises here and there. You don't necessarily think about the damage they will do to your credit when you first do it. It's because of the process. I wasn't making progress but I wasn't behind at the time I started with them. Once you go with them, they don’t do anything until you’re at least six months behind. And you start putting money into an account but it’s not until you’re so far behind that they will start making contacts with the creditors and make settlements. The reps at Pacific have said that when I signed up, but I kept asking because I keep getting calls left and right and I'm avoiding those calls. But Pacific Debt has been proactive in dealing with companies and getting stuff resolved.

I had some bills that were taking a toll on me after I had a baby. I needed Pacific Debt's sure help to pay them off slowly. It was fairly easy to get enrolled in the program. I sent them copies of whatever I needed settled, signed release forms, and communicated with them. Communication was quick and easy whether it was via email or on the phone. They helped me see what exactly my monthly bills were and what was going to be doable for me, and how it could be separated based on how much I owed. If I need any changes, they are helpful and more than willing to do it. My account manager is very professional and she responds quickly. I’m not on top of things as much as she is, and she's been very helpful. She explained things clearly to me for me to understand what needed to be done.

Pacific Debt did a really great job when I did my initial call with them so I just decided to go with them. In the beginning, there was a couple of people. As it started moving forward then it was just one person. When you just have one contact person, it's always a lot easier to get things done and not having to repeat yourself. We're about halfway through the program and it's working really well. Whenever I've had issues, they've always been able to work with me. If I have to change my date to make payment, they've also been able to work with me on that.

I loved the approach of the two Pacific Debt agents that called and I initially began the process with. It was a really nervous time because it was all new to me and they were so understanding. They were very patient and engaging with me, the consumer. I called several times back and forth and each time, no question was too crazy for them. They were very knowledgeable about the process and they assured me what each step would look like and what would happen from the first day until the very last moment.

The customer reviews were really way high for Pacific Debt. I did debt consolidation with them and it took a lot of the burden that was on my wife and I. They shouldered it while we were going through it in our rough periods. We worked with a debt consolidator, Josh, and then he went through and negotiated with the creditors for a better weight in a reduced amount. He’s absolutely wonderful and very personable. I never felt like we were just a number. It’s always on a very personal note. We've never had to go through anything like this, so he made the transition very easy and didn't make us feel like we were doing something that wasn't ethical. We worked out very well. We've also changed it probably three times over the course of the program. We've paid more into what they even required. So, that’s flexibility there.

Pacific Debt is a very good company. Their customer service has been excellent. They were able to answer all my questions. I've been with them for over three years and I'm almost complete with my program. I was getting to the age where I couldn't remember things and I could never have done it by myself. It was an excellent experience.

We received something in the mail from another place like Pacific Debt. I haven't thought about doing anything like that, but when this one came in the mail, I thought of checking it out thru the computer. It popped up Pacific Debt after I checked the first ones out. Pacific Debt sounded honest and that they were going to get the job done. Their program has been helpful and my account manager is very good. He was in a bad accident and it kind of held up the process a little bit, but that was understandable. Pacific Debt has taken a lot of stress off of my shoulders. They are wonderful.

I worked with Pacific Debt for debt consolidation. I paid their fees and they set up payments to the creditors. They withdraw $425 a month from my account. I've only settled one debt and another one will be settled on November 30th. That's two and there's three more to go. I just wish it was a little bit quicker of a process but it is what it is. I got to have patience. Tina was my personal account manager. She called me to do follow-ups. I emailed her any kind of billing statements from the creditors that are in this program. She points me in the right direction on how to handle those. I feel comfortable working with her. Anytime that I call, she does answer the phone or returns the call. I have less stress on billings coming in since working with Pacific Debt. I know the bills are being taken care of in a timely manner. I would refer a friend to Pacific.

I was in debt and I really need to just crush it. I didn't see that I was getting any better with my financial situations. So, I decided to get out of debt and seek debt relief services. The reviews showing what the company was doing was Pacific Debt’s selling point. They made it affordable where I could pay them monthly and not make it a big burden.

My experience with Pacific Debt was great. Kimberly ** was very professional and Pleasant. I would recommend Pacific Debt to a friend just based on how I was treated by Ms. **. She kept me informed on how my accounts were going.

Pacific Debt had a good rating. I picked up the phone, called them and they got me enrolled. I had maxed out my credit. Upon enrollment, I gave them my credit card statements and the payment was based on the total debt. They took out the payments from my bank account. It was easier to pay in one payment than pay a whole bunch of them. I needed to establish my credit rating so when I had the money to pay the stuff, I wanted to get it done so I could get myself back again. But, I was waiting for my account manager to get everything closed up. There were a couple of times I had to call to find out what was going on and I found out that the person managing my account was injured. That was the only thing that I had an issue with but the last I heard was he accepted the final payment. Pacific Debt resolved my debt issue and I’m impressed.

I was in a substantial amount of debt and it was getting harder and harder to pay. I looked up debt consolidators through 311 New York because I wanted something that was accredited and legit until I went with Pacific Debt. They provided consolidation and have reduced my payments and were able to reach settlements with certain companies that I'm in debt to. I should be done by November or December. Christine is awesome. She's been extremely helpful and accommodating to my needs and really attentive. She’s great and it was comfortable and wonderful to work with her. I've had issues come up where I wouldn’t be able to pay and I would email her and she would take care of it right away. The payment arrangement was based both on my overall debt and income and it was a smaller payment compared to a few thousand that I have to pay a month.

I needed to get my credit card stuff straightened out so I signed with Pacific Debt for a two-year program, which ended last May. Their rep was fine for the first year and a half, and then she's always out of office. Whenever I leave a message, she never gets back to me. But she got a couple of my bills reduced and taken care of, which was nice. Now, I'm going to cancel their services since I don't need it anymore. The rep told me that I can't do that and that I have to do this and that, but I just shut it off.

Pacific Debt negotiated with the credit card people so that we can pay our debt. We gave them a month fully paying it and they waited until they got enough money to pay off this credit card debt. They're cool. But at the beginning, they didn't allow us to settle the credit card debt directly with the credit card companies. They're making money off of people. My wife was able to contact one of the debt collectors and made her own deal with them to pay the debt off at a lesser price but Pacific Debt got upset. They told us not to call them. They messed up our credit and told us not to pay our credit card bills.

Was Headed for Bankruptcy... until PDI helped me to settle over $25,000 in debt for less than 50% of the total debt. The process was very stressful at first, but PDI customer representative knew what they were doing, was extremely helpful in getting me through the first couple of months. Shonna ** did a fantastic job negotiating the settlements.

Very happy with the company, doing exactly for me what they said they would do with our finances. Very helpful agents. Always available to help when I called. Our agent Luis ** is very nice, listens and I am happy he is our agent. It has almost 3 years and we have always been aware of our account and how things have progressed.

Pacific Debt worked up an amount that I would be comfortable with. The payment plan was an automatic debit from my checking account. Also, if I have to change it, that would be acceptable as well. I had one incident one month, where I had to withhold most of the payment and they were fine with that. However, the Pacific Debt dashboard was not user-friendly. The way it’s set up, it’s hard to access and I had to change my password several times. I sent one email to one account representative, and I told them that it was a very unfriendly user site and I don’t recall getting a response, except “Here’s the website.” My husband and I went through a flood and we’ve been trying to get our house back together. I haven’t had time to deal with the issue at this time. Other than that, I would tell friends to use Pacific Debt.

I am so glad I chose Pacific Debt to help me with my debt! They are professional, non-judgmental, helpful & available! I had $24,897 in debt that they negotiated to $9,142. I would highly recommend this company! Thank you Pacific Debt!

My wife found Pacific Debt going up on social media. We talked with them and went from there to set this thing up. We were happy with what we were hearing so we went that way. My wife was going through a business bankruptcy at the time. That really put us in a hurt locker because we had to pay for that and get that all done. Pacific Debt looked at our bills and told us that they can take care of it. They told us what amount needs to go in so every month that amount automatically is being drawn out of our check at the first of the month.There's only a couple of them left and we will be done with them soon. We're just waiting for this one to get over with so we can get back and try and get some savings put together.

In need of some financial assistance I sought information to eliminate debt, without getting deeper in debt through loans. I contacted Pacific Debt and have experienced nothing but professionalism and competence throughout the process. They have stayed in touch with me every step of the way. I am closer now to being debt free than I've been in decades. My hats off to a reputable and dependable company. Others should follow their example.

I just love Pacific Debt... My counselor, Tina **, couldn't be any more helpful or wonderful to work with. I have had to alter my payment date a couple of times this year to coincide with my paydays and Tina always works it out for me. HIGHLY recommend this company if you are drowning in debt like I was.

Really pleased and would definitely recommend PDI to a friend! Thank you very much. It's been a great thing for me... So many companies really don't follow up like PDI and all the employees I have dealt with have each been great.

The staff and customer service were an awesome group of people, they are very professional and courteous. I would recommend this company to anyone struggling with debt. They handled my case and are completely confidential. They also helped reduce my debt with my creditors.

Working with Pacific Debt has been painless. They take a difficult time in your life and make it easy with their professional and noncomplicated process. They basically did the hard work and left the easy part for me. Working with this company has been a pleasure.

I have been with PD door almost 2 years and have been with 3 reps. I am not sure where I am really at with paying off my debt. And when I send in my statements they just say thank you. It would be nice to get an update. Thank you.

I am a customer of Pacific Debt Inc. since August 2015. So far they have handled my settlements with professional courtesy and efficiency. I am very much satisfied with the way my case manager Kimberly ** has worked to deal with all my creditors to their satisfaction and mine. I would recommend Pacific Debt Inc to anyone who is in the same situation as mine.

I have had an account with Pacific Debt for just over a year. I have had nothing but wonderful service since day one. They are on top of everything and always ask my opinions when having to make a decision on any financial decisions that need to be made.

My ex-husband and I have a debt together. He heard about Pacific Debt on TV and then we looked them up online and contacted them. Aside from them, we also talked to one other company and when I told the fellow I spoke with there that we went with Pacific Debt, he was very rude and so I was extra glad. At Pacific Debt, everybody's always been very nice. We’re in a four-year program with them where we're settling the credit card debts that we have. And Pacific Debt is settling those as well as they can. Everybody there was willing to explain if I have questions and they always did it quick. And given the quality of their service, the cost is good.

I got stuck with a lot of credit card debt. I got to the point where I was getting really depressed because the debt was not going away. I have always paid my bills on time. I've had some of these credit cards for years. Things just started building up to where I could not get caught up. The thing that really upset me was that when I called the credit card companies and asked them to simply give me a month or two, they turned me off even when I tried to explain to them the reason. It wasn't that I was trying to get away without paying. I was just trying to get caught up.

I gave Pacific Debt all my accounts and they tried to see the lowest payments that they can get for debt settlement. I keep getting pushed around with different account managers. Two managers ago, the guy didn’t even tell me he was leaving. One day, there was somebody new. I had been emailing him back and forth and no one was answering. I finally called and I was told that there’s somebody new on my account. After that, everything’s been fine. The new account manager knew what’s going on and she picked up where the other one left off. I have a set an amount that’s pulled out every month and they work with that. I've been working with them for two years now and I’ve seen some progress. I’m hoping to finish up with the program sooner than they expected. It has definitely erased my credit a little bit so I’m happy with that. It’s worth the cost and I don’t think I could’ve handled it myself that way. Pacific Debt helped me achieve better credit.

My husband had been sick and had a major surgery. He ended up with hundreds of thousands of dollars for the insurance to pay for and our share was $50,000. We paid on that then I had some doctor stuff as well. We got behind with the credit cards and it became a vicious circle to pay the bills and get groceries. We were using this credit card and then another credit card, so it was an awful way to live. I was trying to pay my payment and my debt since I’d first tried the credit card. I asked them if I could get a 0% interest so I could pay them but they wouldn’t work with me. So, I was on the end of my rope-type thing on what to do.

When Pacific Debt explained their program and how they were going to handle everything, it seemed like they were dotting the I’s and crossing the T’s. The process took a few days and they treated me fine. But I had one account manager who was not all that efficient and it was a little bit hard initially to have him return calls. He quickly was transferred to another department though. Once that first speed bump was over with, everyone else that I've dealt with has bent over backwards to be good partners and it's been rolling smoothly for so long. I very rarely have any dealings with them and it's pretty automatic. I pay them a certain amount of money each month and they work out programs with all my creditors where we settle debts for lesser amounts.

I had about $14,000 in credit card debt and I went with Pacific Debt for their debt settlement program. I talked to one guy who had to see how much my debt was and if I can afford so much a month to pay out the debt for years. Then, I went to another person as the next step. Now, we're on the third person. She's the one who makes the deals. The payment plan agreed upon was $355 a month. With my credit card that I was paying, it was almost $470 so it's a hundred and some dollars a month cheaper. I'm still paying on the first debt which was a big credit card bill. It will be 2 years in December and I got one year left. Hopefully, they'd get it done in a year.

I read reviews on the internet and I found that Pacific Debt was the best one so I went with them. The debt settlement process was super easy as they did everything for us. We contacted them and then we told them we needed lots and lots of help. They asked us for accounts and stuff and we gave those to them. They told us not to worry about our debts and that they'll take care of them. We had a whole bunch of debt and they're helping us to get them all taken care and paid off since then. Also, their account managers explained things to us and made it easy for us because we were never taught anything about credit. Anytime there’s any question, Pacific Debt contact me right away so everything's smooth. Their cost was spot on. They've taught us what it means to live within our means. They've also taught us that we no longer need to rely on credit cards and that it's possible to get yourself out of the bind. It has been an amazing experience.

It's all good with Pacific Debt. They had good ratings so I went with their debt settlement program. It's kind of a long deal. You got to go over all the bills, debt ratios, a lot of paperwork, and a lot of things that go in front of it. But the program has been working good for me and I'm ready to get it over with. All my accounts have been resolved except for one, and it's just a matter of getting a little bit more money in the pot to pay out. We just settled one on Monday. It happens fast. I'm hoping I'll be out of the whole thing in about 28 months.

My experience with Pacific Debt has been good so far. We started out with them as our credit card debt just kept growing and growing over time to the point that the interest rates were unmanageable. We'd stressed ourselves as far as we could go and we just had to do something different or we'd start defaulting completely. While we've got a limited amount of money to pay back some debts, they've negotiated some of them. They have done everything they said they would do.

I heard National Debts advertising online and found Pacific Debt. And they said they did more, so I went with them. I have a contract where I pay into an account. They settle the credit card debt as it gets closed out which they negotiated with a collection agency and that gets paid out of the money I put into the account every month. The monthly payment is affordable. It's what I could pay. I still have a year to go, so I hope they can settle with all the cards.

Pacific Debt has been awesome. They took care of everything that came up. If there were any changes that needed to be made, they got right on it. Carly was the best debt counselor I’ve ever had. She would answer the phone or call me right back immediately whenever I needed to talk to her. Everything got taken care of and negotiated for me, and I just paid off my last debt a couple of days ago so I’m debt-free now. With the way they negotiated my credit cards and bills and got them down to more than half, it was a great experience. It was hassle-free debt consolidation and negotiations, and there was nothing to even worry about.

I had excessive credit card debt. So I did some research on the internet and saw that Pacific Debt was rated highly by the Better Business Bureau and by Consumer Reports. Their personal account manager answered every question I had and fulfilled every request in a quick and professional manner. He did his job the way he's supposed to. I had this program where Pacific Debt negotiated with all my creditors on making automatic payments to an escrow account, and they also renegotiated with my creditors, and were paying all my creditors off as well.

Pacific Debt is helping me consolidate my debt and they're working well with me. They have good communication and they remind me of everything because I don't have much time. I needed to agree to the agreement they made to have an account where they take money from every month. It has been about two years and we are almost finished. Working with Pacific Debt has a positive impact on me and it's a good experience. I told some of my colleagues about them and more than one will call them. I'm satisfied.

A year and a half ago, I went with Pacific Debt as I had some financial problems. I liked their personnel and the conversation I had with them. They did all the negotiations, set all the payment plan with the other company and then eliminated my debt. The cost was a little high, but considering the services that they provided, I accepted it. The overall process took over a year and I was done with the program three months ago. My experience with Pacific Debt was good and I would recommend them to others.

At first I didn't want to go through a debt settlement program. I thought it over and over, and I needed to do something about my debt. I felt like I need some relief. Before I was paying $1,000 a month on credit card debt. Now I'm only paying like $272 every other week. I'm glad I did it because I'm over halfway through the program. I spoke with Pacific Debt quite a few times before I went with them. I questioned them and made sure they were legit. I spoke to several people and they were very nice and they explained everything I had to ask. Pacific Debt worked on debt settlement for my credit card. They set up a trust fund for you and they collect all your information for your debt. They take your debt and they try to figure out how it can be paid off within about four years. They come up with an amount and then the percentage they take out from your paycheck. Then, they see what they can do to try to settle your debts.

I was over heels in debt and don't know how I was going to do it. Pacific Debt helped me out in consolidating. They will call me and I would let them know who called me and what they'd call about. I would also send them the correspondence that I received about the bill. The lowest bill that I had was with U.S. Bank and that has been accomplished. Then we also made arrangements with JCPenney to be paid off. They were pretty efficient and I felt good working with them.

Pacific Debt was referred to me. I called for a loan but there was no way for them to do the loan but they were able to do consolidation and worked it out. They were honest and answered all my questions unlike some of the other people that I spoke to who couldn't speak very good English and I wasn't sure if I could trust them. I like my account manager, Nicole, she is awesome. It was slower at first because everything has to be built up and I still ask her sometimes if I could trust certain people who are calling. She always kept in contact with me and told me what I needed to do. Nicole even did everything that I was supposed to do such as sending certified letters.

I talked to a couple of other reps at different companies and Pacific Debt seemed to be the most friendly on the phone and willing to help. It was very easy to get enrolled in the program. Originally, I gave their personal account manager numbers and she said that it's not going to work. They told me where I needed to be in order to make it feasible for them. Their personal account manager worked with me as far as starting out with a lower monthly payment until I can get in the groove of things and then she up my monthly payments to the account so it expedites the settlement process. I also call her if I have a question. She either answers her phone or I leave a message and she calls me back within the day. I've only really needed to talk to her when I need to make changes or if she has an update for me but I was impressed with her responsiveness. I feel comfortable enough to let her handle my business and she did enough to earn my business.

I've had Pacific Debt before and I like them. I gave them all the information that they needed and they took care of my debts. I’m still going through the program. Whenever I need any information, I can call them, or if they have any information, they call me. They are very friendly and they are very knowledgeable about what they do. Working with Pacific Debt had a very good impact on my life.

I read and liked Pacific Debt’s reviews. Now, they’re helping me pay off my credit card debt. We’ve gotten three completely paid off through the smaller ones, and they’re working three more right now that they’re making payments to that should be paid off pretty soon. Hopefully, they’re working on some of my bigger ones, too.

I was tired of constantly paying all the interest on my credit card debt and never getting to the principal. I looked Pacific Debt up on the computer and they had some good reviews. I'm doing debt consolidation with them and I'd like to have enough to pay sooner, but it's a big struggle. The payment plan works okay and in a year and a half all those cards will be paid off at least. My account manager Nicole is nice, kind, continues to keep me in touch with what's happening, and tries to help me, so I appreciate it. While I didn't sit down and analyze how much they're getting, I have one less headache and I didn't have to call up the places and negotiate.

Our experience with Pacific Debt has been great so far. We’d lost some salary and we were overwhelmed by debt so we decided to try it out. I found it online when I was searching around. We also called a few other companies and Pacific Debt sounded like they’re going to give us the best time, the shortest timeframe to pay our debt off. They put us on a monthly plan to pay off all our debt within four years. So far, we’re about a year into it and Carly, our account manager, has been doing a great job. She calls me at least once a month to see how we’re going, if we want to add any money to it or if there are any changes we need to make. Anytime she gets an offer from another company, she calls me right away. Working with Pacific Debt helps us a lot, at a reasonable cost, and made us to where we can survive from month to month now.

After one not well heard of company gave me a bad vibe, I'm in the process of debt settlement with Pacific Debt for too much credit card debt with high rates. They were great the first step when I got into the program and they called and checked to see how I was doing. But once I was in it, I only got a call from my account manager when he wanted to settle a couple of accounts. I call them if I need to make a change on my monthly payment amount or to change the date it’s going to draft. Except to forward my documents and wait for the money to accumulate so the debt can be settled, there was not much for me to do.

Working with Pacific Debt is providing me financial freedom. They are raising my credit score and eliminating my debt. They're also very good at staying in touch. We email back and forth when I would get any correspondence from the creditors and they keep me posted to let me know how everything is going. Faith is my personal account manager and I am impressed with how she is on top of everything. I am halfway through the process now and I only pay what I could afford each month. I would highly recommend Pacific Debt.

I had credit card issues and Pacific Debt gave me a lot more information so I went with them. They gave me a little bit of both debt settlement and consolidation, and I’ve been with them for two and a half years now. I'm working with a new account manager now but the previous account manager I worked with called me right back and answered anything that I needed whenever I called and left a message for a question I had. Also, the payment plan has been very fair. They have been very informative and they’ve followed and done everything they said they were going to do. I’ve been totally satisfied.

Pacific Debt asked for all my credit card payments, told me to make sure they're showing right, and to give it to them each month. They asked me what would be a good and reasonable payment to make every month to them. It was an easy process as I just sent bank statements to them via emails. They always make sure I'm okay, that I don't have any question and if I need to make any changes to anything. The reps were nice and they have been respectful and helpful.

I strained my credit card so I got Pacific Debt's debt reduction services. They're the first one in the web so I went with them. They explained the payment plan to me carefully and their rep has been very helpful. They’re good and I'm very impressed with them.

I just couldn’t make my payments on the things that I needed to and going with Pacific Debt felt right. The cost in relation to the quality of service was appropriate. They provided me with their super value and their debt consolidation and they’re taking care of my debts. I make a monthly payment and then they pay my debtors out of that. The program has been working great and I know they’ve gotten some creditors taken care of, but I’m not sure. The personal account manager, Carly, stays in touch with me. The fact that she stays on top of everything and checks with me all the time has impressed me the most. I feel very comfortable working with her. Anytime I have a question, I call her and she answers it. Pacific Debt worked well with me and gave me the best customer support. They have helped me and now I do not have much to worry about and I’m not being hassled as much on the phone. My experience with them has been great!

My husband had lost his job and we had to use the credit cards to get everything. We were way in debt so my husband did some research and he said that Pacific Debt was the best provider. They helped us consolidate our debts. And if we couldn't pay on the due date, all we had to do was let them know and they could move the date for us, which was very nice because not everybody does that. Our rep was right on top of things.

I was getting married and I had an old debt that I wanted to be taken cared of so we went with Pacific Debt. They were able to get my debt back down slightly above to where it originally was and go from there. However, I was not informed every time they needed to re-negotiate, they'd take another fee out. I've paid them almost $10,000 and I understand they have a fee, but my payoff was $5,500. I've paid them basically almost what I owed on my credit card and there was a lot of stuff there that I wasn't aware of.

I had more debt than I could pay off and Pacific Debt helped renegotiate my debt down. They also got it paid off when contracted with somebody. Plus, they were nicer than the first company I talked to. That company's rep was very pushy like a used car salesman. It was just a big turn-off. Whereas Pacific Debt's rep was very pleasant. They accepted what I could afford to pay and came up with a figure that I could handle. The cost has been worth it and it's much easier on me now. Before, every month was a struggle to get through. Another company I talked to discussed the end after everything is paid off. They said they'll help me clear up my credit score. No one discussed anything like that with me at Pacific Debt.

A friend of mine who was already enrolled in Pacific Debt recommended it to me and I trusted her so, I called Pacific Debt and enrolled as well for their credit program. The paperwork wasn’t too hard and everything was good for me. I'd recommend Pacific Debt if somebody asks me.

I had tried to take out some payday loans to get me from paycheck to paycheck because my husband had two big medical incidents that I was trying to pay off and I couldn't do it anymore so I sought out Pacific Debt. Initially, I had a male manager and we pored all the debt I had. We picked out a few that I was to pay on my own and we started in the program. It has been merely three years and they have closed several accounts. My current account manager is top notch and she's very helpful about anything. She has tried to keep it within my working budget so that I can afford to pay off the debt. The cost of the program in relation to the quality of the service is extremely good. It was much less stressful working with Pacific Debt and I had to do very little on my part. I just had to scan the bills for them when they came so that they could keep track of what was being added on to them before they could manage them.

My dad's friend told us about Pacific Debt because he and his son were getting bad credits for having too much loans. My dad had six bills that he had to take care of so he calculated the amount. We selected the amount that we would have to pay and got the 24-month plan. I spoke to the account manager recently and she was really nice. I left her a voicemail and she got back to me right away and cleared all the confusion that I had. We’re seeing improvement and my dad doesn't think about the side costs because he wants to get out of debt. I'm glad that Pacific Debt is there. They really helped us through this process and I'm happy that we have paid off 4 bills and just two more. We’re waiting on the process to see how low the companies are going to go. I recommend Pacific Debt and their service is worth it. It takes time but I know they are working hard to help us out.

I wasn't making enough to cover all my debts and it just happened that I saw the Pacific Debt commercial at the right time. With regards to the debt settlement process, I started off with Armando and then now, I'm with Tina. They're both my personal account managers. They were able to reach out to me, but not in the way that I expected. I'd rather have them notify me like when an account is over with or paid for.

I started getting calls at work from the bank that I had a credit card through because I had stopped paying. So I gave Pacific Debt a call, and the program has been pretty straightforward and they helped to consolidate all of my credit cards with a three-year plan. I had to start making monthly payments and then, as I accrued enough money, they started settling my debts for me, credit card by credit card. There was one that was a little bit high that I have to do on my own after the fact, but Kimberly, the lady that I've been working with, has been nothing but helpful in terms of telling me how to do that and giving me guidance.

I was very happy with Pacific Debt. It was an exceptional experience. I wanted to pay off my debt and it was nearly impossible with the rate that I was able to make the payments. So, I decided to take the Pacific Debt route and complete paying these debts off, and I’ll be done in December. It took me two years. They made an agreement with each company to bring the balance down. In that way, it was possible then for me to pay it off instead of earning all of the extra interests. They sometimes took three companies to work with at a time.

Debt got to me and Pacific Debt was the first one I found for help. They treated me good and both of the reps I had were very good and nice, and they answered everything that I had questions about. There were a few times where I got behind and they were cool, we fixed it and we moved on. My experience has been simple and easy, there's no debt now and it's worth the cost. I would tell my friends to try it out and see if it's for them because Pacific definitely help out.

I've got too many credit cards and a loan and I tried to do a Chapter 13 at first but when I talked to Pacific Debt, it sounded like they were going to do the same thing however, I didn’t have to give all this bunch of money to a lawyer to do that. It also helps me with my credit so it was better and I liked the way they gave me an estimated time when I was going to be paid up. They also explained things where I understood and made me feel more comfortable. They got all my bills and they’re working with the creditors to break down the payoff amount and makes it better on my account. The money that gets taken from my checking account every month is my own account and I’m able to work with that.

I was with Net Debt, but I was looking into switching. I did some internet research and saw several different companies were being compared. Pacific Debt seemed to be a good fit, so I called, double checked and moved my balance over. The reps have been nice and understanding. They contacted me and the rep had a discussion with me saying they can settle it for a certain amount, but I'll have to make sure that I can make the payment. I've been showing that I'm steady and reliable, so they thought it was a good factor in making that part of the settlement.

Received a call to make sure I send my updated statements for the month. My first time consolidating my bills. I have been struggling but a friend recommended me to seek help from the agency. So far they have assured me I will be assisted.

Pacific Debt seemed to have better reviews online than other companies. I got into their debt consolidation program and it’s working well. They’re already consolidating or paying off some of the credit cards we have. It was simple at first and we were able to talk to someone who walked us through how it was going to work. All my main concerns on how long it’s going to take us to pay all the debt and if that was going to affect the credit score since we may be buying a house in the future were answered. We understood how the program is going to work.

Pacific Debt had good ratings from the BBB. I was behind on a couple of credit card payments but once I did a consultation with Pacific Debt, I was interested and went with their debt settlement program. The process has been very easy. My account manager, Kimberly, would call, text, and send an email and if I have any questions, I call or email, then she calls me. We're in a totally different time zone. I did everything that she told me to do and hold on to all my bills. I'd take a picture of them and email them, and get an email confirmation. Then I’d get a call or email, say, "Reply to this to do a settlement," and it's a done deal. Kimberly gets the job done and I’m very comfortable working with her. She's fast and efficient and seems to handle her business on my account. I’d also get stuff from the creditors that it has been settled.

When I looked into Pacific Debt, they looked a little more legitimate compared to the first company I called that seemed very shady. It was more comfortable when I talked with Pacific Debt on the phone. The Debt Resolution Program has been good so far. It’s going to take time as I am about a quarter through the process but it definitely helped a lot. It's still a bit of a struggle with everything but it has gotten better. I haven't needed a lot of explanations from my personal account manager but if I ever do, they’re usually good about it. I usually contact them through email unless it’s something that’s more urgent and then I’ll call them. It has all worked out smoothly and the cost in relation to the service is fair. I’ve recommended them to somebody.

I called Better Business Bureau to check and make sure that Pacific Debt was legit and they were. So far the program and the quality of their service have been very good. They got all of my bills down which are about to be paid off. I'm back on the road now and there's no more credit cost. They keep me posted with everything and they email me with everything I need. If they need anything, they’d let me know. I’m satisfied with everything that they’re doing.

I googled companies that can help with debt consolidation and Pacific Debt has a lot of articles on how they are one of the top companies. I called a couple of companies around, did my research, and then I decided to go with Pacific Debt. I had them provide me with settlement services and the experience is going well so far. My account manager was patient and responsive. He answered all my questions and called me if he thinks that something is hard to explain so things aren't misconstrued. The settlement amount was good. However, I expected the debts which were not very high to cost lower, but they were not. They were a little high.

I searched online for services that Pacific Debt offered. My personal account manager answered all my questions very quickly. The communication has been good but the process of coming to agreements with the creditors took a lot longer and Pacific Debt is waiting for the last creditor to come to a settlement. Pacific Debt should have details about how long it's going to take for a resolution because I still get calls after I sent a letter to creditors saying to call me in one other way. It was good that the total cost was lower than what they estimated and it's what they said it would be up front.

I wanted to consolidate my credit card. My friend recommended Pacific Debt and the account manager I dealt with was good. Every time I sent him some papers, and if I have a question, he would explain it to me. They set up a three-year payment plan for me where I will be paying monthly. The credit card company is not calling me anymore and now, I know how to control myself in spending. Overall, I'll recommend Pacific Debt.

Well it's early for me but Josh ** my account manager is exceptional. We had to pay off American Express and it was stressful because they would not work directly with Amex so Josh had to walk me thru the process to negotiate a settlement and I have to say he help make it easy for me. Now Amex is paid off. Josh is very professional and knows his job very well.

I was paying my credit card debt and I was getting nowhere. I looked up Pacific Debt on the internet and they had good ratings. They gave me an opportunity to pay my credit card, talk to my creditors, cut my bill in half, and then pay them in a certain time. They had a representative call me and asked me about all of my credit cards. I gave them the names and numbers. He gave me his name and some forms to fill out which I did. I did it over the internet and I sent it back to him. He knew all the information about the credit cards. When he saw the number, he told me how much I was going to pay and he walked me through the process of the payments and how much they're going to charge. Everything they do is great. I looked at other companies that I could go to but the people that I spoke to talked to me and I understood exactly what they were saying. They sound honest as well.

I have a very pleasant experience with Pacific Debt and I would recommend them. I'm in a financial hardship and I enrolled in their debt relief program. I like their Better Business' ratings and the way that the customer service handled it. The account manager and I talked to discuss all that has to be done and he was very informative. I was impressed with his courtesy and professionalism. I got the best payment plan that I was comfortable with and that worked. National Debt Relief's support to me is awesome.

Very friendly and knowledgeable. Was treated great and felt understood. The man that helped me (Rian) was patient and extremely helpful. I didn't feel like an idiot with money issues. Would highly recommend Pacific Debt to all my friends and family.

I contracted with Pacific Debt in January of 2017 and I have had an amazing experience so far. Everyone is so helpful and quick to respond. I never felt judged or looked down on ever! So far they've settled 2 of 5 debts with 50% deducted of debt. The payment plan is very affordable and they work with you along every step! I'm so relieved I chose Pacific Debt.

Pacific Debt really helped me deal with a lot of credit problems I had. Walked me through all steps and made it easy to deal with. Now I'm free and clear of all credit debt. The agents were understanding and patient with all my questions and worries.

I'm 13 months into Pacific Debt's program and it's working out great for me. They're providing me with excellent service. I have four years total so I'm well on my way into getting this finished. Everything’s been settled and I'm just paying my monthly payments. The personal account managers were wonderful and positive. They did everything on time, did everything they said they would do, and they know every word of my personal account. Everything went according to plan, and I was well-advised ahead of time. I was not clear on a few items, but when I called they cleared up every item that I've had to deal with. I thank them for helping and being able to see an end to this nightmare that I was living.

I am very pleased with Pacific Debt Inc. I am a 77 year old women who got myself way over my head in Credit Card debt. PDI was very professional and helped walk through the program. They have settled most of my debt and I am very relieved by this.

Everything was great in the beginning but I noticed later after the first year, things considerably slowed down & I didn't get answers on questions that I had related to my account. So that was a bit disappointing. It's been a couple months now almost, I have not gotten answers on some simple questions & I'm not sure why but I've just been too busy to worry about it. But I am very grateful that those first few accounts got worked on as quickly as they did.

I have been impressed, they do what they say and follow up. My debt is going down faster than expected. The Customer service reps are reliable and provide great detail. They make sure you understand the process and all that takes place.

I worked with Pacific Debt once before but I canceled. I got a total refund because I tried to do a different thing. I then contacted them five months ago and started the whole thing over again. I filled out all the paperwork online that they sent me. They take a payment out every month but there have been times that I had to postpone my payment until the first of the next month and it worked out perfectly. They have done some settlements and they're waiting for the larger amount right now to finish negotiating with the companies.

I had no job for more than a hundred days and things mounted up, so when I landed a new job there’s a 25% reduction in my income. I did some research online and came across Pacific Debt. They were among the top companies and they’ve been around for a long time. I also liked that because I’m in Southern California, they were only an hour and a half away from me, so I could go and meet with them for whatever reason I need to.

I was way behind on my bills and needed help clearing things up. I decided to go with Pacific Debt because of the reviews. I gave the people at Pacific Debt eight different credit card accounts and they negotiated to get the principal reduced and calculated a payment for me that would take care of the immediate debts. Carly, the account manager, is the one I communicate with the most. I’m impressed with her courtesy, friendliness, and willingness to assist me. She laid out what was going on and what was the process. We just put the money in to cover what's needed. She has helped me out greatly and we’re halfway through the debtors. Pacific Debt Inc has made things financially easier. Their rate is a little high but it’s worth the money because they’ve been working very hard on getting a lot accomplished and getting our principal reduced by a lot.

My daughter was rear-ended in Texas by a drunk guy who had no insurance and no license. She had a good job as a finance officer for a large company in Dallas, but she hasn’t worked in over three years. I was helping her get along, so I borrowed money from my $25,000 credit cards, sold a bunch of the stocks I had and refinanced my house. I got in debt and got to the point where I didn’t have money anymore. I saw that Pacific Debt had a good rating and that’s where I went with debt consolidation. I went with someone else first and then quit them because I didn’t think they were doing the job.

My father referred Pacific Debt to me. One of his friends had used them before. Pacific Debt manages my debt and they become the middleman between me and the creditor. Their account manager I'm dealing with is the most professional and knowledgeable. I have an escrow account where I deposit funds on a monthly basis. Once I make enough funds to settle a debt, we’ll first pay the commission to Pacific Debt. Then to settle, they negotiate with my creditor, and once an agreement has been made, I make a direct deposit to the creditor which Pacific Debt handles. They suggested to make my payments a little bit higher and I settled on the number which I was financially comfortable with, contributing each month. But there has been a few times where they need additional funds to settle an account. I was able to provide that a few times and sometimes, I wasn’t able to. I still have two outstanding accounts that still need to be settled.

I have had a wonderful experience with the staff and service from Pacific Debt to date. I would recommend Pacific to any family or friend experiencing the same situation. Friendly and responsive staff. I am almost at the end of my account and want to thank all of you who made this process worry free.