Pacific Debt Relief Reviews

I was having trouble paying my bills and Pacific Debt was able to get me the amount per month that I was looking for. Everything is fine but I’m still in the process which just moved to a manager. My finances are still crappy and I'm just waiting to start being taken care of by Pacific Debt.

There was an imbalance in my income to pay my debts. I researched online and Pacific Debt got better reviews. I decided to move on with them and everything went smoothly. They helped me to settle with the companies. Then I've used the advising financial ins and outs and what my budget is. They were always helpful and my personal account manager was perfect. The quality of service was also perfect. I do direct automatic payments and I'm paying a certain amount every month that's deducting my total debt. The experience was nothing complicated and I'm thankful to everybody who helped me in the process. I was trapped and fearful before, but I'm free now. I totally recommend Pacific Debt.

I had some post-divorce debts that I needed help with. I needed someone to intervene and take care of the debt collectors, creditors and get me out of the high-interest rates and late fees. And being I was only to make the minimum monthly payments, then I knew that I was never going to see the light of day with the debt unless I got some help. I didn’t want to do bankruptcy so debt settlement was my next option outside of bankruptcy and Pacific Debt had the best rating. My account manager Carly is always available when I need to talk to her or have questions, or issues there. I can reach her by text, call or email. The dealing has been pretty smooth. They took care of everything, did all the work and I just had to make my monthly payment of $300. I'm 12 months in in a 28-month program and I hope to finish sooner than 28 months.

Pacific Debt was the first one that I had filled out information for and they got me into the credit card settlement program. I've spoken with two people. They followed up with me on everything. They're now able to start negotiating on the credit card so there hasn’t been a whole lot of communication lately but they’ve kept me in the loop. They walked me through if I had any questions or anything that I didn’t quite understand. Once they got the ball rolling, things moved along quickly.

I'm currently in debt and needed somebody to help me get out of it. Pacific Debt seemed a lot easier to work with and I ended up with their four-year program. I'm keeping track of everything and sending them everything as requested. So far, I'm seeing a difference but I'm still struggling financially. Nonetheless, it's better than what I was dealing with before them. My account manager is understanding and easy to talk to. Everybody that I have encountered so far has been very accommodating, easy to talk to and understanding. Everybody’s doing their job and they're calling every so often to see how I'm doing.

Pacific Debt is a great company to work with. They lived up to everything that they promised and advertised. I've worked with other debt companies in the past and Pacific Debt is a much better company. I had a pulmonary embolism right after Thanksgiving in 2016 and I almost died. I planned on working until I was 66 in October this year but I just couldn't make it through in May, so I retired. Aside from taking a significant decrease in my income, I also had problems with social security. I was behind and I had to do something about my debt. I saw Pacific Debt and they seem to be a good company.

I could make all my debt payments and I could sometimes even pay more than the minimum to my creditors. But I was getting tired of some of the credit card companies' slapping on an interest of $100 a month which was ridiculous, so I sought the services of Pacific Debt. These companies are losing out because if they would lower the interest, I would not be doing the debt settlement program with Pacific Debt. I was very nervous because I had never done anything like this program before and it was counter-intuitive.

I needed help to get rid of all my credit cards and I sought the debt settlement services of Pacific Debt. Getting enrolled in the program was pretty easy. I showed them all the different debts and we talked through different plans and what I wanted to do. They helped me find something that was reasonable and less than what I was already paying. I feel comfortable working with them and I am most impressed at how they keep me informed of any updates or changes in the plan. Pacific Debt has made managing my credit cards easier since now I don't have to worry about different payments because it’s all just one payment. They have started settling my debts, and so far, the program has worked great. I'd refer friends to Pacific Debt if they needed it.

I was in need of financial stability and ended up with a debt consolidation program from Pacific Debt. It's a long process but just getting everything started, I sleep better at night. The people I talked to seemed like they were reading from scripts though. They deal with it day-in, day-out, and they're like clockwork, but they're nice people. They were understandable and were willing to help me through the process. It's been pleasant. I've only been in the program not quite a month but the people have been informative so it's turning in the right direction. We’ve kind of been held up a little bit with the hurricane though and we're just now getting our head above water. There are still a couple of banks I need to do to finish this process with Pacific Debt but so far, they have met all my expectations. If everything keeps working the way I hope they do, I wouldn't have a problem telling people to check out Pacific Debt.

Pacific Debt provided me with a program where I can pay them each month. I'm on the second year and by now, they've already settled three accounts for me. I got three more to go, and I'll be finished. I used to have the credit people call me and tell me that I had to pay. But when I went with Pacific Debt, the credit people didn’t bother me. I told my account manager I wanted my debt to be settled so I can enjoy my retirement. She always called me and if they settle an account, they'd let me know if I'd approve or not. If I say okay, then she's going to do it. I'm comfortable with her and when I get something, I send it to her. I didn't have anybody and they helped me to go through my debts. I'm happy that I found them. It’s a good service and I would recommend it to people.

I wasn't overextended but I couldn't make enough headway with my debts, so I looked into debt relief services. I looked through Better Business Bureau and did some phone calls, and I checked Pacific Debt out. They were number one in the ratings and I called them. I talked with the rep for an hour and a half and he took all of my information, gathered things together, and he came up with a good plan that I can live with and I'd be debt-free within four years. He helped me well.

We weren't able to keep up with everything financially so my wife researched a lot about different companies that would help us. She talked to a Pacific Debt rep and he was very professional and explained everything in depth to her which she later explained to me. She got a lot of good information from them and their rate was good too. The account manager was very friendly, very knowledgeable and professional. I'm now collecting all the past due accounts and will be emailing them over to Pacific Debt and once we start paying I think I'll see more positive result. I'll tell others to go with Pacific Debt because they're affordable and it's very manageable. We're very pleased with them.

Pacific Debt is a great company. I sought their services since I figured I would never be able to pay everything off before I retire. I spoke to a few other companies and Pacific Debt seemed the most helpful. They did everything that they said they would do. They contacted all the companies I had credit cards with and made a settlement with everybody. A couple of times, I called their customer support for further questions because it seemed to be taking forever to finish. They were always very kind in explaining to me how much longer I had to go. Everything was fine and I made my last payment last month. The payments killed me for over two years, but that’s what I get for getting myself into debts.

We will definitely recommend Pacific Debt. We just started with them about a month ago and I'm happy that we have a lower payment. The customer support is usually very good. So far, the experience has been awesome. They were very courteous. They explained the debt consolidation program in good detail.

Pacific Debt answered all my questions well and it seemed pretty simple. I got their thing in the mail, and it seemed pretty straightforward. They walked me through the stuff, let me know what to expect, kept me very up to date with how they were doing with different creditors, and they just sounded very happy whenever one took the pay-off amount. My personal account manager kept in touch with me and seemed to understand that stuff happens and it wasn’t just crazy that I got into debt or being a wild child. Through working with Pacific Debt, I had lesser phone calls and that's definitely good and knowing that the bills have an endpoint in sight. It’s a very good experience and I’m glad I know one of them paid off.

I was in a lot of debt and I was weighing my options. I looked up different ways to lessen my debt without filing bankruptcy and Pacific Debt was the first one to pop up on the internet. I read up a little bit on them and it looked good so I called. Their program is simple and not confusing. They keep me informed on everything and I either get an email or a call from them for any little changes. They keep me in the loop as opposed to other people I’ve had to work with who don't tell me the step by step process or anything until something’s done.

I didn’t pay bills for a while, and Pacific Debt did whatever and paid a couple. Then, I got some financial help, and I paid off all the rest of my bills, negotiated my other debts by myself and paid Pacific Debt off. I went with Pacific because they were one of the ones I called that would help. They helped with some loans I had that were outstanding that we just couldn’t keep up with the payments anymore. I'm now done with them and I no longer wanted to deal with them. They didn’t tell me everything I needed to know when I did it. I didn’t get quite enough information and that could’ve been my fault for not asking and not understanding exactly what I was doing. They haven’t given me any more customer support and the cost was more than I thought. I would not recommend them to a friend. Overall, it was okay, not great.

I needed help with scheduled payment plans since I was not able to meet all of my obligations. I read up Pacific Debt online and they were more reputable than the other companies. Also, they were local to me. I appreciated the people that I talked to when I called before I signed up. Pacific Debt provided me a debt settlement program and they contacted me regularly until we got everything set up. And then they contacted me once a month to update me on what's going on. They have been very helpful and I'd recommend them.

Pacific Debt helped me get my credit card debt and it was a good deal and I feel relieved. The people were helpful and the cost and quality of the service are good as well.

I had some credit card debt that I wanted to take care of and Pacific Debt seemed like one of several that qualified, so I picked them. They cut down the amount of money that I owed to the credit card companies, pay off my debt and November will be my last payment. My first account manager was very helpful and courteous. Then he moved up in the ranks and I’ve had someone else since, but the only contact I've had with her was an e-mail. I spoke very briefly to her six months ago and she hasn’t nearly been as communicative as Josh was. So far, I only had one payment and then I pay once a month by taking it right out of my account. I’ve made it over the years and once I’m finished, that’ll save me $400 a month. However, I’d like to go back over my figures over the past three years and see exactly how much I saved before I recommend them. I’m just happy to get it over with and I hope I don’t have to go through that experience again.

I needed help from Pacific to help pay my bills off. They were the ones that called me so I went with them. The payments were taken out of my bank account and I was impressed with everything. Brad, my personal account manager, was good and he told me what they were doing with the account and they saw that it's paid off.

I had too much credit card debt, and Pacific Debt worked with the credit card companies and got my interest lowered. I've also had good interactions with both my account managers. I had Brad first and now I have Josh, and they've really helped me. If I call with a problem or I need some information, they are willing to work with me. They also keep me abreast and I could go online to see what's happening with my account and I like that too.

I have credit card debt and I chose Pacific Debt after reading reviews on independent sites. Signing up was as easy as being sold and they worked with me on the payment plan. We had a number and they set a price that was appropriate for that amount. I've only dealt with them for a month and so far, the only service they've provided is the waiting game. But I've had a good experience with my account managers. I've had two of them who call me. They contact me every week to make sure nothing has changed or to get any updates.

I liked Pacific's reviews online. Also, they seemed to know my situation before they get on the phone with me. I don't feel like I’m having to repeat myself to them because I know I have a little group there working on it. When they deal with me, it feels like progress instead of doing the same thing over and over. My only issue is that I can't get my stuff to them. They've needed some documents for me to send in and my emails are not getting to them.

I sought Pacific Debt’s services to help me get out of a financial bind that I was in. I had recently retired and the bills had piled up, and they were able to work out a program and get everybody paid for me. There were a couple other companies that I had called. One was not open and the other said they would get back to me. And when I called Pacific Debt, they were right there and started answering my questions. I liked what they had offered and that they were ready to help. With all the debts I had, they went in and I only pay a certain amount a month, and they did whatever they do as far as the creditors go. One of my creditors even started to sue me, and Pacific put me on the payment plan and got that resolved.

I got behind on credit cards and we just started with Pacific Debt. All my communications had been good. They have been very professional and answered questions.

I got off of active duty and then became disabled and I took a pay cut after 30 years in service, so our debt to income ratio was too high and we weren't late on payments. So, it's better for us to have that ratio reduced and stop paying the interest on credit cards so much. Pacific Debt has the fairest price over other debt servicing companies. Also, the other companies that we sought were disputing the accounts instead of settling them, which I was not comfortable with, and they were charging us almost double. I understood that it was my debt and I'm responsible for paying it, so I just wanted to find someone to settle my debt.

I had too much credit card debts and went with Pacific Debt Services. I did a little research, talked to some people, got online and got in touched with Pacific Debt Services. Their good reviews online was a factor for me choosing them, especially when talking about a lot of money. They fixed me right up, put me on a payment plan and helped me settle it for a lot less than what I owed. They paid about half of my debt on each. The personal account manager I talked with was wonderful. She emailed and texted me and stayed on top of things. I was impressed with her willingness to help and do her job. It was a very seamless process.

Pacific Debt has been quite a big help for us and they have resolved my husband's credit card debt. They contacted the credit card companies and made deals with them, then they sent us what the settlement offer was and we either okay it or we let it go even longer. We told them what we wanted to pay and they worked with us that way. It was an easy process. Our communication with their reps was not too overwhelming but we also had long periods of time without communication from them. So far, everything has been settled and their fees were not too expensive. Our personal account manager update us once a month and now we're five payments away from completing the program.

The account manager kept in contact with me and I was very comfortable. My experience with Pacific Debt with my debt consolidation was very good and I'm not as worried anymore. I would recommend them.

Pacific Debt Inc was a better company that I went to. It was a tough time in my life but they helped me greatly and got me out of my debt. I was able to send my daughter off to college. They were awesome and dealt with me if I called. I don't have any credit cards anymore except one. I would highly recommend them.

After the divorce, I have credit card debt that prompted me to ask for Pacific Debt’s services. I had a bad experience from the past with my ex-wife’s medical school debt and paid people a monthly fee but they took our money and never did anything for us. But with Pacific Debt, there’s a lot of transparency and honesty built into it. There is a trust account where I’m making a monthly payment to them and the money has been put into an account that’s held in my name. They will not touch any of that money till I legally authorize and after they negotiate a settlement for me with the credit company. Then I will pay the credit card company myself using the money that I’ve agreed to hold in the trust fund so it’s extremely honest and above board.

I had some outstanding credit card debts that were overdue and I wanted to pay up. So I looked for a company that could help me consolidate my debts. That's when I went online, read a couple of Pacific Debt's ratings and talked to them. My personal account manager changed two times, but generally, they set up the account and negotiated with the companies about the amount. Once the settlement was agreed on, they started paying my debts off. The lesser debt had been paid off already and the bigger one will be paid off in seven months time. The way I signed it, they needed to change the date of the payment. When I talked to them, they quickly supported me and then we were able to do everything. They negotiated a deal with my outstanding debtors and got part of the debt off, 50 cents on every dollar for me.

I like Pacific Debt a lot. They told me everything including what was going to go on and what was going to be paid. They guided me to the point where I can pay how much I could afford out of my fixed income. They're great and they have helped me a lot.

I did some research online and Pacific Debt had good ratings. They're consolidating my debt and I’m about done. Everybody was great. They were really personable and kind. They went through my budget with me and made sure that I could make ends meet and that I can also pay off my debt. The cost was worth the quality of the service.

We had a ton of hospital bills and our credit card debt got too high. I like the people that I talked to from Pacific Debt. They were very nice, helpful, and clear in explanation. Pacific Debt is reducing my credit card debt by negotiating with the credit card companies and reducing what we had to pay. We worked out a payment plan and we agreed that I would pay them every month and they would pay off the credit card. And we have 10 more months to go. Everything that I’ve done was very nice. The quality of services was very good and the cost was better than if I were to just try to do it myself.

I was over $10,000 in debt and Pacific seemed like a good choice that time. My account manager was very friendly and always there when I needed him. To make payment, they would take out of my account every month. Pacific got me out of debt and my experience with them was smooth and quick. I have two more creditors that I need to go through and that's all.

I was in a large amount of credit card debt and I looked at Pacific Debt's program. It sounded just right for me. It was a three-year program and I had probably four different people that were handling my accounts. I just finished it recently, made my last payment and they treated me with respect. They always answered my questions and I appreciate their honesty and kindness. They were really pleasurable to talk to and it was like a cloud just lifted off of me. I just feel so much better and I now know not to get in that kind of situation again.

I was really pleased with my experience with Pacific Debt's team. They were extremely patient with me and had to repeat what was the plan and what I needed to do to make this successful. I had three crises since I started and I go to the library to use their wi-fi. I had a death in my immediate family and I'd cry on the phone and they were very kind to me.

I love the fact that you guys are in constant contact with me... keeping me up on things concerning my account... not to mention the great reviews I read. This experience has given me peace of mind. The customer service is great too. It's a little hard for me right now but better than it was. I will be glad when my creditors are paid off and I can have a better budget to work with. It's like light at the end of my tunnel.

A couple of years ago, I was in debt so I did a little bit of research and sought Pacific Debt’s services. A while back, I had a problem with a Pacific person that was out of the office, but other than that, they’re really easy to get a hold of. Their account managers keep up with what’s going on and periodically, I hear from them and I can call them at any time. I’m still working on resolving some of my debts yet I’ve had some good results already. Overall, I’m pretty satisfied with Pacific but I wouldn’t try to persuade anybody else to do what I’m doing.

I am basically pretty new with Pacific Debt, but my experience so far is that the people are very knowledgeable. They have answered any questions very politely and professionally. I have not had any negative experiences with any of the staff.

I am early into the program, and thus far everyone has been responsive to my questions and supportive. I would suggest that perhaps the primary form of communication could be through emails, as I have stopped answering my phone. A kind group working in the organization, many thanks.

I have only been in the program for 2 months. The first person I spoke with was Nicholas. He was very understanding and very helpful. The lady I'm talking to now is Heather. She is great. Calls me right back. Explains everything and is so helpful during this stressful time. I would recommend Pacific to anyone. Thank you.

It was a difficult decision to contact Pacific Debt. I felt terribly embarrassed to be in difficult situation with my creditors. The customer service representative immediately put me at ease and he was in no way judgmental. The explanation of the process was clear. If I had difficulty understanding the staff was extremely patient with me. I like that customer service takes the initiative to check in with me periodically. I feel I have found the correct path for me to clear my debt.

I researched about Pacific Debt online and they seemed like they were the best fit for me. I got their debt consolidation service and their program helped cut my debt, and make my monthly payments smaller and very manageable for my budget. They're all great people and my personal account manager was very friendly and answered all questions that I had. Now all my debts are settled and I'm just paying Pacific Debt. They gave me excellent service and helped my financial status greatly. I've also told a couple of friends that were going through some financial troubles about them and to check them out. It was an amazing experience and I loved it.

I am $25,000 in debt and I worked so hard and it seems like everything I make goes to paying the debt and I’m getting nowhere paying it off. And so, I have stayed current. My credit score is at 700 and I just don’t see light at the end of the tunnel. If I can’t pay it in lower terms then it seems to me that I could spend my whole life trying. I’m living from paycheck to paycheck and stretching myself out so thin and the stress has just gotten to be too much.

I was going through a divorce and had a lot of bills that were brought on our lap. I went with another company but they weren’t able to handle some of my accounts. The other company sent me the money I put in the accounts and Pacific Debt took care of the rest. They helped me in paying off my debt at a lower price and closing out the account. Jonathan set up an account and was able to consolidate the rest of my accounts for payment. Then Josh came on board and treated me as family. He was very receptive, responsive, easy to communicate with, and was eager to help. He was easy to get in touch with and able to update me on the status of my account and just letting me know he's there and he's working every day to make sure I close all of my accounts up.

I was getting over my head and had to seek help from Pacific Debt with my credit card debt. I checked out their website and it seemed legitimate, which was my biggest concern. Also, there were reviews from previous customers that seemed pretty solid. They put me with a manager and they’re helping me cut down my credit card debt by talking with the companies and negotiating a lower amount. They drew me a solid payment plan for months.

My debt was skyrocketing out of control, then I saw Pacific Debt on Facebook and they were advertising a debt control program. I checked them out and everybody seemed to give them high ratings, so I went with them and gave them a call. I am in their debt relief program through settlement. I only had one interaction with the personal account manager on the phone and it was fine. I like how the people from Pacific Debt were courteous. Also, if I have any questions and I call them, they're very prompt. They're very knowledgeable, too, because I had to call them to ask about the statements or just to make sure I understand them correctly and I have all the paperwork such as the affidavits that needed to be signed and the two powers of attorneys. They’ve been helpful in the process to make sure all those were properly set up.

I had quite a bit of credit card debts and I wasn’t getting anywhere paying these off on my own. I also had several moves that didn’t help my income flow. I talked to a debt settlement company and then I did some research online and saw that Pacific Debt had a better rate than the other company that I was considering. I've been with Pacific Debt for seven months now and they're helping me pay off my credit card debts and get my credit rating straightened out.

I found Pacific Debt on the internet and went with them as they were rated on a website as one of the top companies to get consolidation. I had bills that I wanted to consolidate and pay just one payment, and Pacific Debt said they could do that for me. I talked to them over the phone and faxed copies of my bills to them, then they told me what I would be able to pay a month, and sent me something to sign.

We have been in the program for 18 months, and so far the program is working as advertised. We began the program with nine accounts and already have reached settlement agreements with five of them. We have left everything in the hands of our account specialist and she is doing a fabulous job of settling our debt for a fraction of what was owed.

We started out with another company to help us resolve our financial concerns and we were so dissatisfied with them so I went browsing through the internet and saw that Pacific Debt was one of the top rated. We needed to get everything all together and pay in one lump sum so we took advantage of the consolidation program. We talked to a guy named Neff and he was so nice to us. We went through the enrollment process and it was all online. Then we always heard from him on the phone. And then after that the personnel who’s collecting our money was very nice. The personal account manager also answered all my questions right away and was very helpful.

I was concerned about not being able to pay my bills so a couple of months ago, I decided to get help from Pacific Debt. The guy that I talked to made it easy and had a payment I could do. He also sent me everything right away so I could look at it, even while we were on the phone. Pacific Debt is going to negotiate with my creditor and setup my escrow and so far, their rates seem fair. Their customer support team is very good also. They are available whenever I’ve called or had a question. Pacific seems to know their stuff and that’s good. If you’re drowning, get some relief.

The interest rates for my credit card were so high so I did a lot of research online for debt services. I then found that Pacific Debt Services has a Better Business Bureau approval. Also, their Google profile is very good and there wasn’t anything negative about them at all so I decided to go with them. I pay monthly into an escrow account and when a certain amount is reached, they negotiate with the creditors and pay them off. They said paying our debt could take three years, which is a lot better than the rest of my life. I knew that it was going to cost, but the investments that I’m making into what they’re doing for us is worth it. If I got to pay for it so other people can have it to stay in business, it’s something that I’m willing to pay for. They should be advertised more because there are so many people that are slaves to the credit card company.

I was looking for some financial assistance online as I stumbled upon Pacific Debt Inc. They provided me debt relief service. They got a 24 hour rule. I had a situation that came up where I didn’t have 24 hours and they weren’t able to help me out. I get it, but kind of left me hanging. However, they got back to me at a timely manner. We've been in the program for about a year and we're happy so far. They worked with us to address our questions. We felt comfortable working with their personal account manager. The cost in relation with the quality of the service was good too. Pacific Debt helped us get a handle on our situation. They helped us through a bad situation where we didn’t think we had any help out there.

I have cancer and my husband had a heart attack. We got behind on our credit cards, and now we got medical bills which are expensive. The credit card companies were trying to sue us and we couldn't afford to pay them. I was so stressed out from all the harassment calls I was getting so I had to find somebody that would take care of them. I had used Pacific Debt before and I went with them again. They're pretty good. Josh is the one who is handling our account and he's been fantastic. I’m impressed with his service. He's settled one credit card for a lot less than what we thought it would go and he's working on the other two. He also calls me about every three weeks, making sure I don't have any concerns or questions. He keeps me up to date with everything that's going on as well so between emails and phone calls, I'm kept up to date as to everything he's doing.

When I first signed up with Pacific Debt, they were very good and the rep who handled my account contacted me all the time. But they've changed the person handling my account and the communication stinks with this new rep. I contacted her when they paid off three big accounts because I wanted to know what's the next plan and I didn't get the answer that I should have gotten from her. Instead, she said she would text me when she had a settlement for me to agree upon. She has not been very good and I am thinking about requesting for a new account manager because of her shortness with me.

I had a lot of bills that needed to be consolidated so I sought Pacific Debt's services. I checked their rating and looked at a couple of blogs then when I talked to the people, I liked what they had to offer. We talked on the phone to see if that was the right company for me to go with and what their terms were. They sent me a contract to fill out. I did and returned it to them. And then, they started negotiating right away with some of the collectors of the bill that I had. And they were able to settle bills pretty quickly. They would call me or text me and say, “Hey, give us a call. We have a settlement. We want to see if this is okay with you.” And then, I have the opportunity to choose whether or not I wanted the settlement. In anything I had a question on, they walked me through it. They kept me updated. And if someone was on vacation they would let me know and someone would step in. That was really good.

Pacific Debt is helping resolve my debts with credit cards and tariffs. They're local in my area so I chose them. The program is still new to me and we’re just getting started. I spoke with them on the phone, answered questions and sent some stuff on the tablet. I'm impressed that they’re willing to help me but they want most of the stuff done with a computer and I am not technology savvy. Even now, I get emails and have absolutely no idea how to forward them or get them transmitted to Pacific Debt other than going down to their office. So I've had to make a couple of trips and I like to do stuff with mail. But working with Pacific Debt has been great so far and I’m happy with my experience. The payment amount is considerably less than what I was paying with all of the combined bills and their rep explained what I needed to pay and how the amount will be automatically withdrawn on a certain day of the month from my bank account.

I was trying to see who’d be able to help me with getting out of debt on my credit cards so I inquired and Pacific Debt gave me the best rates. Also, I read all the reviews of other people on how they felt relieved after they were done with the program. Pacific Debt told me the step by step on what to do during the process. I had to wait for about six months and accrue past due late payments on the cards. They wanted me to fax everything that I received over to them and somebody was in contact with me. After about six months, I was assigned to deal with Kim for the rest of the program. For the most part, it was pretty easy. Anything that I needed to and do, they called me, they would email and let me know if I had to find something on the computer or how to move forward.

I talked to Pacific Debt's salespeople and they sounded honest. Then, they needed documentation which we send monthly and we were in contact pretty much weekly. They would call every couple of weeks to see if everything is okay and they negotiated on our behalf with the creditors. We just started last year and it’s going to be on for another couple of years.

Pacific Debt's customer reviews were outstanding so I went with them. My minimum payment was getting way too high, and the cost of their services is a lot cheaper than what my minimum payment will be on the credit card right now. I’ve only made two payments into the program and we have to wait at least six months before we see any settlements, but their reps have been very informative and good at explaining the step by step process.

I made all my payments one time and still had a low Beacon score. Pacific Debt was referred to me and I went with them for credit card consolidation. My representative has been wonderful. I liked his efficiency and follow-up time, and I felt extremely comfortable working with him. Pacific Debt's program has settled my debt and working with them has made my life simpler.

To run away from unsecured debt, Pacific Debt is negotiating a reduction of the principals. They set an amount that is being removed, that we're paying each month, and as that piles up, they're supposed to then apply it to the settlement of individual accounts. We've been paying them for four months now and we haven't seen a settlement yet. But it should begin to be resolved shortly. Also, they've been very good at explaining to me what their intent is and what our strategy is with withholding payment from the creditor. They were able to explain things in terms that I can understand.

My experience with Pacific Depot has a been positive one but still too early to tell how the process with bring about results. As I stated earlier too early to experience the result Pacific Debt claims to produce. I am optimistic that Pacific Debt will come through with their promise to rid us of debt.

Only contacted when they need something important or to touch base and see if I have any concerns or questions. The whole process was very easy and convenient. I never have to worry that my debt will be negotiated in a very professional way. A lot of the annoying calls and letters have stopped.

I am very pleased with my experience with Pacific Debt. So far everything is right on schedule as I was told. Kimberly has done very well for me and I am looking forward to the future and being debt free.

Pacific Debt has been a reliable and helpful tool to help me organize my finances and recover from a hardship situation. They establish a good communication and guide you every step of the way. It has been a smooth experience overall. I can say I have peace of mind thank you to Pacific Debt.

I had a lot of credit card debt and I’m doing the debt settlement program of Pacific Debt Inc. I like the representative I first spoke to and the program seemed a little better and safe and more trustworthy. They talked to me and figured out what I needed. They went over everything and gave me a couple of calls about it. They made sure I understood everything and I was feeling comfortable with it. My personal account manager seems to know what he’s talking about. They looked at my income and the entire situation and found a good monthly number for it. They’ve been reaching out to me and have been providing me everything I need in case I have a question. I’m still in the process of completing the program but the peace of mind knowing that I can get out of debt brings a lot of hope and it’s the biggest thing. With the service, I am at my own pace and they're making sure I’m getting everything. I enjoy working with them.

I had excessive debt. I was with another company but I wasn’t pleased with their services so I decided to try out Pacific Debt. They were fair, honest and the payment plan was more suitable for my needs. They provided debt settlement and they took down all my account information from all my lenders. Then, they research and contact the lenders regarding how much debt is owed and they negotiate for a more suitable rate that’s more affordable. I'm somewhere in the middle of the program and it's been working well so far. Also, I was very pleased with the personal account manager. It's more reasonable and comfortable than some other debt programs that are out there. Try them out and give them a chance. I'm a satisfied customer.

I was choosing between two companies, Pacific Debt and another company that claimed to be number one in the nation. Pacific Debt was the first one that contacted me back and I went with them. They charge 21% while the other place charges 18%. Also, Pacific Debt is in San Diego, California and they're kind of local. So far, being in their program has been okay. Their rep started settling the debts within three months of me paying into it. That was a big plus. Working on my payment plan has been pretty good too. It’s still a little bit tight, but it’s better than paying the full amount.

I had a lot of credit card debt and my salary has decreased by 2/3 so I had to do something but I didn't want to file bankruptcy. Pacific Debt had a good rating so I selected them to do my debt settlement. I contacted them. Then they contacted me and went over the terms and told me what I needed to do. I was having problems with the large payment once a month so I chose twice a month and that worked out for me. They had been working with me to make the payment plan manageable. I'm satisfied with the process.

I started facing financial hardships after my husband was in an accident and he's now disabled, so our income was cut in half. I couldn't keep up with the bills by myself anymore and a lot of them were his medical bills. I had debt consolidation issues and I went online, read about all the competitors and I chose Pacific Debt. I was extremely nervous and scared and I didn't know if anybody was going to be able to help me because I had already placed so many phone calls trying to get loans and everything else. As soon as I called them and had my first conversation, my nerves were eased immediately. I gave them a call and the guy told me about their company, what they do, how they help people and I signed up. They also said that they could help us right away and within about two months, they already had one of my accounts settled.

I had a catastrophic work injury last year and I fell behind on my payments for my credit cards. So I had to find some way to get out of it and it seemed like help’s the best way. I’ve heard a lot of things about getting out of debt but Pacific Debt said that they’d cut it in half and it wouldn’t be that long. It sounded more inviting than anybody else’s offer. And now, they're helping me consolidate my credit. They’re very cordial and upfront and I don’t feel like I’m a number. My experience with them has been great.

When I was researching about different debt companies, I read about Pacific Debt online and their reviews were outstanding from other people so we decided to go with them and utilized their debt consolidation program. We had to build up for about six months first and Brian, our counselor, contacted six of the 12 creditors and made arrangements so far. The phone calls and the threatening letters have died down and then he said within the next two months, he’d contact the rest. We’re only a year in out of three. Brian calls me once a month to let me know if there are any new developments. And if I get any mail or letter, I just forward it right to him so I’m real happy and comfortable with them. I’ve gotten responses from my credit card company saying they’ve gotten payments and telling me how long it’s going to take for them to pay, so I know.

Browsing online, I found Pacific Debt and I got the feeling that everything was gonna be okay with them. I talked with three of their reps, two males and one female. They said that they are in a network right there and that they all handle it. Once that money’s in the bank, then they call the creditor up and settle for a certain amount. Overall, they are excellent and I’d recommend them in a heartbeat.

I was behind with my car payments and didn’t see how to catch up with it. I went into a website and Pacific Debt was the only one I saw. The account manager was really helpful and told me what was going on. I availed of their service where they let all my stuff fall really behind so that they can make deals to pay it off over time. Pacific Debt has gotten things into plans for about half of my debt. Their service is of good value and I’ve been getting fewer phone calls and that has really helped.

Just about one year ago I started my venture with Pacific Debt. Everyone I have worked with to date has been professional and very helpful in helping me understand their process. I was very hesitant at first, but am excited for the progress we are making toward debt elimination in my life. Kimberly has been super helpful and supportive, working very hard to settle my accounts while keeping me informed of our progress. Thank you so much for all you have done so far!

We are totally satisfied with the service Pacific Debt has provided. Kimberly ** has really been great! We are getting close to getting our credit cards paid off without bankruptcy! We were afraid to do anything like this but Pacific Debt made it a pleasant experience!

Everything is going ok. I have no comment. They have my bills, have spoken with the creditors and shared the results with me. Since then, I have heard nothing back. I am assuming that all is taken care of because I no longer am receiving the daily calls.

I am still in the program, waiting for other accounts to settle. They have been good at communicating so far. I am a little put off by the fact that I had to wait for my debt to go to collections, it has dropped my credit score immensely which is hindering me on other accounts. I am still hopeful in the end that I made the right decision by doing this. It is a waiting game and so far things have gotten worse before better... It is my own mistake for letting my debt get out of hand...

I have had nothing but excellent service from Pacific Debt. Extremely professional and considerate given the intensity of what emotions can cause when it comes to debt. My case manager gets nothing but 5 stars! Would definitely recommend to a friend.

My customer service representative is awesome! Always calls back or answers my email promptly. The people at every level have been courteous and very professional. The company does what it says it does and I would recommend Pacific Debt to anyone trying to get their debt taken care of without filing bankruptcy.

I previewed a website and Pacific Debt had the best reviews. They're consolidating my debts and are currently working with me on a couple of accounts. We started six months ago and it was easy the first time I called. They were easy to understand and they helped me out and explained the entire process. The first time I called was the first time I decided to set everything up. Everything has been straightforward and down to earth so it was exactly what I was looking for. A guy set me up and told me everything that was gonna happen. He sent me all the documents and walked me through the process. He told me everything that I needed to sign via email and it was easy to sign.

My wife looked Pacific Debt up when we were looking for a debt reduction company as we had some debt through a bank. We liked that they had the top positive reviews from people. However, we’re still building some money in escrow so they haven't started paying off our debt yet. I’m still getting phone calls from our banks saying, “please pay us, please pay us, please pay us.” The money that we would be paying them is going to our escrow with Pacific Debt. It's almost frustrating but I know that our escrow has to be at a certain point and I understand that. We called them a few times and they had said it’s almost at that point but it's not yet. They're probably gonna start making deals with these companies in a month and start paying them off. I'm hopeful to start seeing something soon. Nevertheless, the experience with Pacific Debt has been good as far as the initial set up of the situation and talking to them go. Every time we need something, a pleasant person tries to explain it as best they can to their ability.

I had too much credit card debt. I was with another company and I didn’t like what they were doing so I went with Pacific Debt. We're about six months now in the process. They had my income and bills that I needed to pay. Then we worked up a payment that I could afford. I put money into a savings account and then they lower my credit card debt and pay it off.

I had too much credit card debt. I like the rate of Pacific Debt and I was impressed with the friendliness and knowledge of their account manager. She calls once in a while. And when I call and have a question, no matter who answers the phone, they answer the question for me. They help me when I need help and it was very comfortable working with them. The only thing is I don’t know if they started paying off my credit cards yet or not because I just started with them this January. We gave up all of our credit cards for them to pay off. And there are just negative things when you don’t pay your credit cards for a few months. That, I don’t like, but that is part of the process.

I wasn't able to pay my credit card debt myself and Pacific Debt Inc. set me up for the program. I'd pay $350 a month for 39 months then I should be able to pay my debt and stay out of the program by then. I'm supposed to be handed over to a case manager already but one of my creditors got a payment when they shouldn't have. Now it will be a couple of months long before I can be handed over to a case manager and they can start negotiating my debt for me. But so far Pacific Debt has done everything they said they would so it's worked that way for me. The reps have been great and they call me ever so often to see if I have any questions and how things are going. And if I had any questions I've been able to call and talk to them about it.

I previously went through a debt management program and got out of the debt that I was in at that time. I'm currently in excessive debt and when I called the number of the company that I used, it connected to Pacific Debt. I understood how the program worked so I stayed with them. We’re getting started with them and they're doing further negotiating to reduce the interest rates or balances, plus debt management. I had to submit all my bills and then their rep would go through that, get the agreement with the creditor, go through the agreement and establish which were the ones that they won’t be able to deal with, and then establish what the monthly payment would be. We’re coming up with something that I can get to fit in my monthly expenses and Pacific Debt hasn’t finished negotiating the process yet. That’s what I’m waiting for because I’m still getting all these calls from the creditors. Nevertheless, whenever I call Pacific Debt, they’re always very responsive. If I need to change something, they change them very quickly.

When I researched Pacific Debt and I did a lot of reading and comparing them to others, I knew they were a good fit for me. They have one of the highest ratings. I started around February or March of this year with them. I have seven personal account managers and it’s different interacting with them all the time. All of them are very polite and helpful. I am also comfortable working with them. Every week, the reps call and see how things are going about.

We’re on a four-year plan with Pacific Debt that we’re paying monthly into the escrow. They work to pay everything off in that time and work with the creditors to make a lump sum payment. We sent in our accounts and they figure out how much we owed. They come to a monthly total that we pay in escrow. From what they tell me, they’ll work on like one creditor to get it settled and then their fee comes when they settle with whoever. After it builds up, they start working on settling our accounts and they get a certain percentage off of the settlements that comes out of what we're already paying into the escrow. We’ve only been in it for a couple of months.

Last December, I did research on the internet and saw that Pacific Debt had an A+ rating. I looked at them and read reviews by current customers and then I called for information and talked to someone who was wonderful, a really good person. We went through all of the details and he explained everything very clearly. I made the decision then that I wanted to do this. I am up to my eyeballs in credit card debt and I’m going to be 65 this year. I want to retire sometime. I needed a way to get that reorganized and have someone negotiate with the credit card companies in my favor when I looked at the interest rate I was being charged. They gave me positive feedback that they would be able to do that.

I had way too much credit card debt. I checked online and I liked Pacific Debt the best. Their people actually spoke English and explained very well. I gave them all the information on my accounts and then I make a monthly payment to them. When I get enough in my account, they would start to negotiate with the credit card companies. I'm in the third month and we’re just getting started settling some of the accounts. If I had given them some extra money, they could have started the process sooner. But I am totally comfortable working with them. If anyone is thinking about doing a debt settlement, call Pacific Debt and get the information. It's totally worth it.

I’m 61 and I would like to retire now, but I couldn’t do that with all the debt that I carried. I’ve got to get rid of them so that when I retire, the social security that I get will be enough to sustain my life. I tried other companies but they were too pushy and one of them was snarky and condescending with me so I didn’t get any of them. I called Pacific Debt because the reviews were good. They explained to me what the debt consolidation process is. The debt gets taken care of like having a trust. It makes me feel better that I’m paying my debt and not the interest alone. The amount that I was paying my creditors was the minimum amount. Now, I’m paying more than what the minimum amounts were, but this isn’t going to go on for the rest of my life. It’s okay because it’s not even half of one of my checks and it's doable.

Not being able to pay my bills and pay down my debt led me to seek help. I saw that Pacific Debt had good ratings online and they were very helpful and supportive when I talked to them. I started debt counselling a few months ago and they looked at what I was currently paying and talked to me about what I was capable of paying. We came up with something that was less than what I was paying but enough to make progress and something that I could sustain. I'm paying them into an account and since the creditors won't negotiate until it's been about three months of me paying the bills, they have just started negotiating with them to reduce my debt, so I'm now getting into the part of the program where I make progress. Ultimately, I'm going to end up paying less than I would have if I had done this on my own and that was what I was looking for. They take a percentage, but I'm paying less overall, so it's fine with me.

With overwhelming debt and high interest rates on my current credits, I sought out services with Pacific Debt. We're still currently working with them but we went through and had the initial phone calls and set up the paperwork and the accounts. And everything seemed to be smooth. Everyone I have talked with and cared for my situation have been helpful, supportive and very forthright with the information. I've heard from them a few different times checking in to see how things are going. And they gave me a good and clear understanding of what was expected and what I could expect. The biggest benefit of working with them is reducing my overall outgoing/expenditures for my consumer debt. Also, they have a fair cost to what service they're providing and it's the lowest out of all the companies I looked at.

We needed help and Pacific Debt seemed like they would help us. They had the cheapest monthly payment out of the other two companies we talked to. Also, they call me once or twice a month.

I have a credit card debt and I'm still working on it with Pacific Debt's help. Everything is going good so far and they have given me more peace of mind. I would recommend Pacific Debt.

Pacific Debt Inc looked like it's going to be a helping thing. They seemed like a good company and that they knew what they were doing. I decided to go for it and settle my debt.But when I got in, it turned out it was more of a debt settlement. I started off with calling them and getting signed up. The lady who I initially dealt with, Eva, was really great. She made sure I was comfortable with what was going on and kept me well-informed. She was just very understanding and very nice about the whole thing. She walked me through to signing process and was very empathetic. It was nice.

Minimum payments on credit cards were not getting anywhere and I was getting behind. I was ready to get out of that whole fiasco so I did a research and Pacific Debt Inc had the best company ratings. The people at Pacific Debt have been great. They call about once a month to make sure that I'm sending my payments in and following the payment program. I still get calls from creditors but hopefully, that will end soon once we start paying off some stuff. It's been great so far and I'm relieved from a lot of stress.

I've never experienced more professionalism from a company than I have from Pacific Debt. It's so stressful being borderline bankrupt and thanks to their professional staff, it has eased my worry. I'm also close to being out of debt and I could not be more satisfied. I'm regaining my financial life back and couldn't have done things without them. I'm truly grateful.

I worked with another company before but they just weren't doing anything and I haven't been able to pay a debt that is 60 years of payment. With Pacific Debt Inc, they have better ratings. Right now, we're building up our little fund that pays everything off. They're getting our account information and stuff like that. They haven't made any settlement offers yet and we are still being assisted by the consumer manager and the consumer affairs department. We will be dealing with an account manager when we have a certain amount billed to my account. The cost of the program is pretty commensurate with what they offer. They're in fact a bit easier to deal with than the others that I have looked at. They have all been very helpful when I needed to talk to them.

My income got cut in half so I decided to get the services of Pacific Debt Inc. I've been sending them the papers every month though they haven't done anything yet.

Our experience with Pacific Debt has been very positive. We hesitated to start for some time but finally realized that we needed some help to get our debt under control. Their work with us and with our debtors was professional and effective. Also, they saved us a significant amount of money as they settled with our debtors. We appreciated their help and would recommend them to anyone determined to become debt free. Thanks so much for your help!!

I cannot say enough good things about the service I received from PDI. From my first phone call, each person in the process was understanding, respectful and helpful. The entire process was thoroughly explained and proceeded as described. Each person, especially the account manager, was responsive, efficient and knowledgeable. PDI assisted me in eliminating what was to me monumental debt in less than 2 years. I am very grateful to be debt free. Thank you, PDI staff!

We called Pacific Debt, they explained the program and, we went back to the internet. My wife and I checked them out and did a little bit of research and saw the reviews. We gave them the information as far as what our debt was. They walked us through in how long it was going to take and what kind of payment it was and then told my wife to determine whether or not it was something we wanted to do. From there, we made the decision to go ahead and go with them because they were forthright, upfront and they gave us all the information that we needed to know as far as payments.

I called Pacific Debt and they were nice and sounded professional and legit. They explained how the process works and set up the monthly payment that I would have to come up with and the amount of money that I will save in the long run. I am still in the process but they’ve settled some things for me which I’m very happy about. I like them as a company because everybody is nice and anytime I needed something, they were quick to get back to me. They don’t leave me hanging. I also asked them the same thing a couple of times but they never got upset.

We had some renters and we were trying to be landlords and they cost us more money. I tried to seek less interest of both the places and there wasn't one to give it to me. I didn't see any way out and didn't want to go bankrupt so then, I looked into relief help. I tried one company and there wasn't enough information. I've never been late on a bill before so this was totally new to me. I happened to get online and saw what I'm getting myself into. Pacific Debt had a better rating and better feedback than the other company I first talked to. So, I called the other place and told them I changed my mind. I then got my money back and went with Pacific. I'm pleased I did.

I’m a single mom who has two jobs, I have a daughter in college and I was spending $800 a month alone and I was sinking in debts. But I work, it’s not like I sit back and eat bonbons all day. When I heard about Pacific Debt, I was lying in bed and I was crying and this advertisement came on the radio. So I called them and started getting some information and I work in law enforcement so I said, “this is a scam. I don’t think this is right.” I started searching on the internet and I said, “well, I know that they’re a real company” but then I Google what’s the number one in the business and I think Pacific Debt might have been number two and the main reason I went with Pacific Debt is because they are credited through the BBB.

Ten years ago, I got in debt consolidation program and was not a really help. So I was worry the same will happen with this Pacific program. I was wrong. I can see huge difference. The debt really got cut. Really happy in the program and the way they manage it.

Pacific Debt has a higher rating from the personal reviews of people that have used them in the past. The debt consolidation they provide for me is still ongoing and I’m midway through it. It's been very well and I don’t have any complaints. My account manager is always there when I need her. It’s very easy to communicate and phone calls have been very timely. The time that she takes makes you feel more like friends than business. I've been completely satisfied with it. It's very affordable and the cost is built within the payments that I'm making. You could not go wrong by using them, I've never done this before but I've had very good reports.

We did an internet search and reviewed a few different companies and Pacific Debt had the best record. They provided credit card consolidation for us. The only thing I had to do was enroll and get them all the information and paperwork for each of the accounts that we wanted, so that they could go through and determine what they could save us as far as getting that paid down and how quickly we could get it paid down.

They have done their job well as stated but going into this I thought my creditors would be contacted immediately with a set payment plan but instead your account sits there incurring interest charges and ruining your credit rating. If I had understood how this would work I could have done it myself. Also it has never been clear what I am paying them for their service. It is very vague which concerns me.

I had five credit cards that Pacific Debt told me to stop paying. I set up a deal with them where I gave them all the money and then they negotiate the accounts down. All the accounts have been settled so all that's left is I finish out the payments to Pacific Debt. I have about $1,200 bucks left that they just keep taking out of my account monthly. The people from Pacific Debt tried to answer my questions and kept me posted with the progress of the various accounts and if the accounts accepted our offers. For the payment plan, they came up with a number and said, "Hey, can you afford $270 a month?" I said, "Sure." And they responded, "This is going to be your payment for the next two years. Welcome aboard."

They have really helped me get my Debt in line. At first it seemed like it took too long to get going but once the first six months went by it got going great and they made great deals in my behalf. Thank you so much for being in my corner and really making a difference in my life.

Pacific Debt has been very helpful with our debt consolidation and has been informative with the whole process, making sure that we understand the stages as they develop. They have helped us save about half on our outstanding debt. My husband and I are very thankful for what they have done for us.

I can't say enough about Pacific Debt. From the beginning to the end they did everything and more that I expected. They were always professional and no matter how many times I called them they always got back to me right away and answered any questions I had. I would highly recommend them for anybody looking for a debt consolidation company. They are top-notch.

I had credit card debt, so I had debt consolidation from Pacific Debt. They seemed to be the most legit one from what I read up on websites. It's my first time doing this, so the cost in relation to the quality of service is reasonable. I'm still enrolled and so far, it has helped me with my debt. My account manager was up to date and she's available anytime I need here. If she's not available, she calls me right away when I leave a message. I feel comfortable working with her and she's excellent. Knowing that my debts are being settled, it's a less of a worry for me. They're reliable and I get updates as soon as I'm supposed to. I hope to get through it as soon as possible but it's going great and I would recommend it.

As far as the people they were great to talk to. It was the fact that it affected my taxes greatly. Also the effect it has on my credit score. And I was under the assumption that the amount I was paying every month covered the settlement fees. But when they came out to be almost as much as what I was saving it didn't make sense to me to keep in with the program.

I am so impressed w/ PDI. They have made the debt consolidation process so easy and effective. You do have to be patient while they work out their deals but it has been a life-saver for me and my family. I know I probably drove them all crazy when we first started last year but they were professional and honest with me from the start. I recommend them highly!

My representative, Shonna **, has been of great support to me. She is in constant contact with me to assure that I know what's going on with my account. I am happy to have her taking care of my case and keeping me informed so I may be assured everything is in control. Thanks to her, I know I will soon be out of debt!

She (Shannon **) wouldn't listen to me. She would keep on trying to make me do some old accounts that I said I didn't want to do. She would keep on and on after I told her no. She kept sending e-documents for me to sign on those accounts after I said no. She got mad. It was like I worked for her not her working for me. She would lie about things, like when they sent me my last money that I had in my account, she, or someone, sent me two checks, both different amounts, and they took one of them back and she told me that she told me the amount that I was suppose to get back, which is a lie. I never spoke to her. I had no idea how much money I was suppose to get back. I still think someone got some of my money.

This is a great program that is willing to help you with your debts. I think the process itself is off. For example, they divide the money and decide to paying them all. I figure, if you have the funds to pay one off, focus on that but then again I'm the one using them for my debts. I would recommend them to anyone who needs them.

They have been great! They have saved me financially by helping me put together a monthly plan that was within my budget. When I had rough months they were able to help me out. They have saved me a TON of money and I am almost debt free!

My experience with Pacific Debt has been satisfying. Not many people follow up like they say they would, Pacific Debt has proven to be effective in negotiating my credit card rates. Even though I hope to never have to use their services again, I definitely recommend them.

Pacific Debt had better reviews so I have them contacting all of my creditors and negotiating the card to half. We're still in the process and they usually contact me once a month. They email or call me and then I call them back. We chat about what's going on and I send them current bills. And when they do negotiate a card down, they call me and give me all the information and give me a copy of everything. It's a really good program. I am happy. Pacific Debt took the pressure off me where we felt like we were totally out of control of what was happening.

I wanted to consolidate my bills and I called Pacific Debt. They've been pretty good in helping me but the settlement process is kind of slow. They haven't finished yet because I still got a few loans that they got to go through. And they're working on a payment plan but I don't have enough money to go through all of it right now because I don't get enough. But they have taken care of a couple of my debts and I'm satisfied with it.

Pacific Debt seemed reputable but it took them so long to start the process. I wasn't happy with the trustee bond issue that I have to wait six months before they would start paying my debt. But my interactions with them went well. They were very cooperative and very understanding. They took care of the problem right away. They're still on it and they did get me an excellent deal with one of the creditors. However, I haven't heard from the other creditor regarding what they're doing. So, that bothers me. I got a letter and check from this particular creditor a few weeks ago. They are turning over my debt to a collection agency which tells me that the consolidation company is either dragging their feet on negotiations or hasn't started negotiations yet.

My experience with Pacific Debt has been very positive. We're still in the beginning of the process and the program would run all the way through until 2021. They have settled two of the four debts so far. They took all my information and other debts, finances, and family size into consideration. Luis, my personal account manager, has been able to settle my debt for a reasonable amount. It came down to almost 50% of what I was paying when each minimum payment has been combined.

Pacific Debt was recommended by a friend as I needed to take care of my debt. Working with them positively influenced my life. I hired them to do a job and they're doing what I asked them to do. My personal account manager's perfect as well. The whole debt settlement experience was fine.

Based on talking with the people from Pacific Debt and also how they compared with other companies out there in terms of their rating and their ranking, I did the credit card consolidation with them. It’s been following from a divorce so I'm trying to work that down. They were more straightforward and didn’t make boasts that seemed unreasonable. They were also more rational and they explained what they do and what I might expect in terms of settlements.

We called several people but I liked what Pacific Debt had to say when I talked to them. They're all pleasant to talk to and it's very comfortable working with them. The process started out with coming up with how much money that I should pay them 'til they get like a lump sum. Then they can work with the credit card companies to get rid of the whole credit card amount and pay it off. That takes about seven months 'til there is money build up.

I had credit card debts and Pacific Debt was on the top of the line on Google when I did a search. In the beginning, I had a problem with one of the folks that work there because I couldn't understand his language or whatever he was trying to tell me. So I was a little concerned but other than that, it's been a great experience so far. I'm still doing business with them. They've settled the debts and brought them down to a lower amount that I can pay monthly or all at once. It's very flexible. The only bad thing is that I cannot add debts unless it is more than $500. But with Pacific Debt, I don't have to worry about my debts and it's pretty good that I have only one debt left.

It was overwhelming having multiple payments everywhere. When I first called Pacific Debt Relief, they were very helpful. The first person who answered gave me a plan and told me that I didn't have to sign up that day but if I did, I would be debt free within the time span that he gave me. He also said that it wouldn't hinder my credit report score too much versus filing for bankruptcy. So he made me feel more secure. I provided them with the information that I needed to give them and from there, they helped me out with planning out what I needed to do to finish my program. I'm still going through it but I've already settled two of my accounts. My personal account manager is phenomenal. She calls me to make sure everything's going okay, reaches out on a personal interest to benefit me and makes me feel welcome.

I inherited a lot of credit card debt because of my significant other. When she left, I'm a disabled veteran living on a fixed income. So I just quit paying my bills and needed help. I Googled and Pacific Debt was one of the names that popped up. They were the first ones that I spoke with and I liked them. I talk to my credit advocate all the time. She writes me via email or I give her a phone call. If I can't get a hold of her, she'll call me back within 10 to 15 minutes. Pacific Debt helped me out with my debt. There was one where I was almost going to court and they're taking care of it right now.

When my son was in financial trouble, we had a choice of declaring bankruptcy or maintaining some level of creditability. So I looked for someone that could reassign the debt. Pacific Debt has done it a lot and they had some positive reviews, so I entered into it. The debt collection is a nasty process, but Pacific Debt has taken that out. We're still working through it because they only have renegotiated one that I'm aware of. They have reached out a little bit, but I only put money in the bank and they pull it out. I assume that they're continuing on but I could use an update on where we are at this point in time, although they do respond when I have had an inquiry. My son still got some other issues to work through, but this was a step A and working with Pacific debt has been helpful and positive.

Pacific Debt has the highest rating among other credit advocate providers. Their rep was very good and she kept me informed of everything. She contacts me at least once a month to see how's everything or if anything comes up. Pacific Debt has been very helpful in getting my credit under control.

I’ve been working with them for less than a year but they said everything will be taken care of in five years. They were straightforward and called me about settlements and the fee and if I had any questions. They’re getting me out of the debt and that’s a good thing. They are taking the funds out and they are paying off my creditors.

I was needing some help with my my finances so I decided to seek the help of Pacific Debt. I contacted their reps several times and then, they called back. We had interactions with them in getting the documentation I needed to get everything rolling and then, the account manager called me up to give me updates on how things were going. I've been working with them for about a year now. I’ve got just one payment right now and the amount that I’ll have by the time it’s paid off is going to be far less than what I would’ve been able to owe and it got me on my situation years ahead of time. It’s made things, as far as financially, quite a bit easier for me to deal with. They even kept my bills paid.

I was maxed out on all of my credit cards and did not have enough money. I was also getting a divorce and had worse financial problems. I kept thinking that there is something that I can do to take care of it. But every turn that I had was blocked off. I only have a part-time job because I'm not in good health at all. I was thinking for months before I decided to check into something and call. I saw Pacific Debt’s advertisement on MSNBC and I called that number. They referred me to the Pacific Debt branch.

We've read some reviews, how long Pacific Debt have done their business. They’re reputable and has good ratings. I called them and asked a lot of questions before I agreed to do it with them. I was in debt and felt frustrated. After working with Pacific Debt, I wasn't so stressed out and I felt that there was light at the end of the tunnel. There were extensive phone conversations, 30 minutes of explanation on how they work, what they're going to do, setting reasonable goals and the steps to accomplish them. They sent me information in case I missed or didn't understand something. They've called me every week or every two weeks to talk to me and they also sent me emails about what they had accomplished and what the next plan was. The one lady I worked with was very nice, takes time out of her day to call.

My bills were larger than my paycheck and I decided to contact a debt consolidation group. Pacific Debt had high ratings so I went with them. All of the people there were excellent from the initial phone call. They were knowledgeable, caring, and they took time. Then I was able to connect with the credit advocate every time I need it. Pacific Debt plugged it up pretty simply and so far they’ve done what they said they would do. They’ve been easy to reach and easy to deal with. I’m pleased.

Pacific Debt knew what they were doing and what had to be done. Also, the timeframe and everything was exactly what it should be. It has been a continuous communication with their credit advocate once I had signed up. I called about four times a month. Some things came up so I asked them and they answered. They also sent me emails and I responded back. One time when I received a letter, I asked, "What does this mean?" So I read it verbatim to them and they told me what it meant, what's next, what to do and what not to do. It has been great. One of my debts has already been taken care of in a sense and then the other one is being worked on. It's a great company, and so far they've done everything that they've needed to do.

I had an overwhelming amount of credit cards that I wasn't able to pay, and I know someone that had used Pacific Debt, so I signed up with them too. It's been great working with them. Before they do anything, they call to let me know what's going on, ask for my permission, explain everything, and then I receive a receipt and they do a follow-up call. They said that settling the debt could take a maximum of 48 months. They try to negotiate with each one as the money is collecting. It goes into a savings account, so I can always withdraw if I want to and get all my money back. Overall, they have excellent customer service, and everything that they've talked about is in writing. I trust them completely.

My outstanding debt just wasn’t getting any better and I wasn’t really able to balance life and responsibility. I went online and from everything I read, it seemed Pacific Debt Inc is a good choice. I also did some research because I was mainly concerned to make sure that they weren’t fraudulent. Having Pacific Debt Inc handle my affairs by signing a power of attorney was probably the best thing I could have done. It’s kind of been working all great since they’ve taken over. I’ve been working with them over a year now. The payment arrangement is also excellent and I can actually put food on the table now.

I think they are awesome people. All that I have dealt with are very friendly and compassionate. I have had nothing but good rapport with them. They have been very helpful and kind to help me out with this problem.

My job was going downhill and I needed help to control my debts and Google rated Pacific Debt 4 stars. I dealt with a few people and they were great about it. I haven't had any problems with any of them. Everybody was real helpful and explained it very thoroughly. We even went over important stuff two or three times just to make sure I understand it. The payment arrangement is helpful and took a lot of stress off me. They took care of it all and handled everything.

I needed some things consolidated. I Googled what company is the best in debt consolidation and Pacific Debt was number one. I called the first three and I felt most comfortable with Pacific so I chose them. We had a situation where the fund wasn't in the account and we tried to get in contact with them. We were able to get a hold of someone and got the problem resolved. However, I misunderstood a little bit as far as the way they do the debt consolidation. I wasn't happy about the money that I pay in. They do it one at a time instead of everything at once. So, it appears to be that I'm making payments on one source. The way that they're doing it, it takes longer for my credit to start to get back. As far as my credit goes, it seems that I'm not paying the other debts and nothing's going on. So, I wasn't happy about that.

We were Googling online for places to help with our credit situation and we initially contacted another company. But we could not afford to do what they had said they were able to do. It was almost as much as what we were trying to pay just trying to stay afloat. And so, we called Pacific Debt. They were the second one we contacted and they were able to make it work with us for our monthly budget. They laid out what they set up for us monthly and how long it would take to get things handled.

I'd been stressed prior to contacting Pacific Debt. I needed the help as my daughter considered bankruptcy. It's a fresh start. I'm still on the beginning of it and I have a lot more relief. The debts are getting paid and taken care of. The Pacific Debt rep called me whenever I needed her or when I had questions and she's pleasant and thorough. I told them what I needed and we listened to the terms that needed to be closed out. They were informative and they told us what was there on their end. I don't know exactly what they do but I truly appreciate it. Almost all of my debts have been settled except for a few but it's my fault and not theirs.

Pacific Debt had good Better Business Bureau accreditation so I felt getting in contact with them was a safe thing. My credit advocate reached out to me regularly. Because I don't have phone reception in my laboratory, I'm very difficult to reach. And so, they usually leave a message. They told me to get back to them if I have any questions. I would recommend them.

I have a large amount of debt before and I was very worried. I decided to do something about it and contacted Pacific Debt. They helped me out and reduced some of my accounts, which I’m paying off now. They’ve got at least half of it down but not all of it. I got one right now that’s reduced and it ends in August. Once every three or four months, I talk to my credit advocate and they're easy to contact. Pacific Debt has alleviated some of my problems. I put a set amount on the bank and they take out for it. But the company that takes it out never sends me information where the money is going to or how it’s going. It would be better if I could get a statement once a month from them or the bank that’s pulling the money out.

All the interactions I had with the credit advocates were really positive. I really like the first guy that I had, and the girl I have now is pretty nice as well. I had contacted a couple other companies but Pacific Debt gave me the best deal. I’ve had a good experience with Pacific Debt so far, but it would have been easier if things just got forwarded straight to them. A friend of mine went through a consolidation program with another company. I talked with them, but they wanted a little bit more every month, which I couldn’t do at that time. But I liked that their program forwarded all of the paperwork for all the credit cards and whatever problems they had to their company, so that the company left the person alone, with him or her not being worried.

I had some debt that was getting the best of me so I contacted Pacific Debt. I've been working with them for almost a year and a half now and I got a lot of phone calls, emails and a monthly check in. And it probably would take another year and a half to two years. But now, it's easier to get things done and people aren't calling me anymore, so it's been good.

The person from Pacific Debt that I spoke with originally sounded like a very honest man. He explained to me what they did and how they do it and how long it was going to take. He answered all the questions that I had and I was happy with his response. At first, I was getting a lot of phone calls from credit card companies and I was instructed to not talk to them and I didn't. I was also instructed to send anything and everything that I would get from the credit cards and I've done that. And now the calls are not coming so frequently. I get a call once in a while call but when they tell me where they're from then I just hang up. I kept telling Pacific Debt I don't like surprises. I don't want anything popping up at the end and they've assured me there are none.

I spoke with the guys from Pacific Debt Inc and they gave me a good deal. We started working together and I like working with them. They have negotiated two cards already and I am waiting for another two. Their credit advocates are doing pretty well and I like them. I get into contact with them maybe more than once a month. Pacific Debt also contacts and pays the credit card companies for me. I feel that the payments they’ve set up are kind of high, but they’re reasonable. Going into settlement also lowered my credit score.

I was scammed by a person that allegedly was in love with me. I wound up in so much debt and there was just no way out. I was drowning. I'm 73 years old and I still have a lot of old values and I couldn't afford to pay these people what they wanted but in all conscience, I couldn't not pay them something. I found Pacific Debt and I liked the reviews. There were some bad ones but by and large, they were all positive. I talk to them by email or by phone and anytime I have a question, I usually email them and I get an answer within 24 hours. It's all been great. I'm not stressed anymore and I almost got all of the debt taken care of now. I'd recommend Pacific Debt.

I found my experience with Pacific Debt very good. Especially Armando **. Totally re-assuring guy. Also appreciated former employee Andi. The whole process was nerve racking but Armando was awesome helping me through it all. Only regret was taking more time and allotting more money per month than originally agreed upon.

I took Pacific Debt on faith and tried to do what I could do because I was in a bind. I was trying to get my bills consolidated but I didn't know what to do because the bank that I have been dealing with for years wouldn't do it and I couldn't get a loan anywhere. I don't get but $1204 a month but I said at that time if Pacific Debt could help me get out of my debt, I would be willing to sacrifice $700 out of my check. When my washing machine went out I wasn't able to have it fixed right away nor buy a new one so I had to go to the wash house to wash my clothes. My accounts were closed up like Sears for my warranties and stuff that I had on the washing machine that was covered through Sears. So I chose that as one of the warranties on the list that they're working with.

We needed to get our bills paid and working with Pacific Debt was the way that we felt we could get it done. They have helped us lower the interest and us be able to make the payment. I had Andrew then who used to call me once a month. Now I have Shanna and sometimes I have to call her. But if I call, they return my phone call. I hope I'm settling these debts. I didn't want to leave owing people. But so far, my experience has gone well.

The Pacific Debt representative on the phone was extremely helpful. He was spent a lot of time to explain to me everything with every little detail whatever I asked, so I'm happy with that. Also, Shonna, another rep there, was very professional and I was impressed with her. Pacific Debt is good with their customer service and the way they handled things. Every time I called if I had questions, they called me back. Everything has been perfect and their service has been excellent and I regret not calling them earlier. We better have more people like them because a lot of people is going to need them in the next years.

I contacted several companies for debt relief help and went with Pacific Debt because of my payment plan and the fact that they put all the money in a third party. It's not escrow, but there's that trust that I have control over the money, and as they make settlements, they pull the money out of there. In other plans, I would just pay the company and I didn't feel like I had as much control over the money and where it went.

I had cancer, heart attacks, a broken back and had an enormous amount of physician bills. Everybody from Pacific Debt has been very nice and helpful. Also, if they have come to an agreement with somebody, they would call me.

I needed some help and I happened to call and talk to Pacific Debt. They were able to describe a plan that I thought would work well for me. My credit advocate and I interacted about once a month and it was easy to get in touch with him. However, they could never keep anybody long enough to handle my whole account. I'm on my third or fourth person now and I didn't like that. While life has been better since working with Pacific Debt, it's been putting a financial strain on me. Nevertheless, I'm starting to see light at the end of the tunnel now despite the long process.

I had my mother living with us and we were running into medical bills, and I wasn't getting any help from my siblings. So, I had to use my credit card. All I wanted was for my credit card companies to help me for a couple of months until I got myself back in shape again financially, but I couldn't get any of them to work with me. The folks that I thought would help me did not, and in some cases were somewhat rude. But what really irritated me the most was that I'd been with these companies as a devoted customer for years, and one of them for almost 25 years, and I had never been late on any payments.

I was in despair as I was in deep debt so I contacted Pacific Debt. Dealing with their credit advocate was very rewarding and it was a good experience all around. Kimberly was great in terms of telling me what was going on but sometimes it was hard to get a hold of her. But working with Pacific Debt reduced my debt right away, they set me up on a schedule that I had to follow and it has forced me to come to the realization that I have to pay my debts off. They've made my life a lot easier.

I got all these credit cards and everybody's threatening to take me to jail which is nonsense. I work in finance so I'm not an unsophisticated consumer. But with all those debts piling up and no way to dig out from under it, I panicked. So I looked for a debt relief company and started out with an outfit in Florida and talked to them. But I wanted somebody in proximity to me in the Southern California area since I'm in Orange County. And then I found Pacific Debt which is located in San Diego.

Pacific Debt is easy to work with. Their representatives were very responsive and really friendly. They provided the information we needed and answered our questions. In most of our conversations, we told them what we needed, what we had, and gave them the information they needed. They took it over, contacted the appropriate people and did the negotiation and settlement and let us know what it was. We agreed to it and then put it in place. It was very straightforward and was exactly what they said they were going to do. So it's been a positive relationship.

I'm very satisfied with Pacific Debt. We spent quite a bit of time in the beginning on the phone to go over the program, but they were persistent and kept communicating with me. And so, everything fell into place and that's when we decided to go forward with them. They're very helpful and answered all my questions. They would call me and give me updates and ask questions. And it was very simple because all I needed to do was to mail in statements and they would take care of the rest.

I'm with social security and I really got ahead of myself with the debit cards. At that time, I found out my husband has fourth stage colon cancer. So, he wasn't working and we could not get our bills paid. Also, the doctor said that he was gonna start chemo again. I had a couple of surgeries myself and so we're both stressing out. We lost a home in 2014 and the only one who was able to help us was my father-in-law. So we figured that contacting a debt relief company was the only way to go instead of going to bankruptcy. I wanted to try to do the right thing. I was willing to make the payments to take care of all these bills that I have in my credit cards.

I had a problem with a company that breached the contract and then after they did, they wanted to charge me more and more so I had to put a stop to it. I called Pacific Debt and then they started working. So far, they are very good. All their reps have knowledge, manners and they know what they're talking about. I'm able to get in touch with them anytime I want to. Even if I stop by their office, give them a call or send an email, every time is a fast response and I've never had a problem. They are still working on my debt so the job is not done yet, but I'm happy.

I had so much credit cards and bills and it was overwhelming. So I looked online for help to get out of the debt and Pacific Debt came up. I had my daughter check them out through the Better Business Bureau and there were good reviews so we contacted them. They were very friendly and they explained everything to me where I was able to understand it myself. They even gave me time to decide and make my decision. We set a date together on when I would start the payment and everything worked out good. I also like the fact that they give you a personal coordinator. The person you're supposed to call and to get in touch with if you have any questions or any problems. My coordinator gets back to me in a timely manner. It's been tremendous and enlightening. Also, it's been a very relieving experience.

I have nothing but praises for Pacific Debt. They really handled a very difficult situation. I was bamboozled by somebody and lost a tremendous amount of money. He maxed out all my credit cards and I didn't know where to go or what to do. Pacific Debt helped me consolidate and downgraded three major credit cards. They were very gracious over the phone and made me feel that I was not at fault. They put everything in perspective and reassured me that things would work out. It gave me confidence again that I could take care of this. I was a single woman, a widow, and I had a dependent child. I'm a hard worker and somebody took advantage of me. So, to me, Pacific Debt was a lifesaver.

I was aggravated because my money was cut in half on my job, so I didn't have the money to pay off every loan. I looked up Pacific Debt's reviews on the internet and looked them up on the Better Business Bureau. They have pretty good reviews so I went with that. My case manager named, Kimberly, is doing a good job so far. She'll send me something in an email and if we can't get it resolved, she'll usually call me. She really knows what she's doing. I also have access to the account where my money goes every month. Anytime I wanna look at it, I can just type in the username and pass code and it'll come up. The amount drafted every month was a third of the amount I was paying for credit card bills alone, and that's more help. I have a four-year plan but I'm hoping to get it paid off early.

I was frustrated about my credit situation before I called Pacific Debt then I talked to them about what to do and whether I should do consolidation or something else. They're easy to get in touch with. I felt better after I spoke with them initially and signed up. The customer service people and my debt person were great. They explained everything and I knew what I was getting into going in. However now, in hindsight, I wish I wouldn't have done it. I could have avoided the damage to my credit if I would have just hung out a little longer and paid off the debt myself. In the moment, I wasn't able to. I felt like I was a little hasty in making my decision.

A friend recommended me to Pacific Debt. I had to take care of my debt and I figured I could get started on something so I reached out to them. They've been easy to reach. My credit advocate, Luis, helps me out. He calls me once a month to talk to me about what's going on.

Pacific Debt is great. I was out of a job, my credit cards were getting stacked up, and my husband's another situation, so I had to act fast. I called and talked to them, and they were real nice. They contact the creditors, talk to them, and then come to an agreement. And when they come to an agreement, they let me know. They really work hard to get me out of debt, and have done quite a few settlements already. They email me about two or three times in a month, call me at least once a month, and if I need to talk to them, they send the phone number for me to call. The process is building up my credit. I had bad credit before and now my credit's pretty good. I will recommend them to anybody. Whatever question or concern I have, they're willing to answer and they make me feel good.

I had bills up to Yin-Yang and I didn't know what to do. I also recently got divorced and everything went to heck. So I talked to a couple of debt relief companies but Pacific Debt got my confidence. They answered everything that I could think of. Any time that they come up with a deal, they always email or call me. They inform me when one of my debts is paid off or if they find something else on my account that they would ask me if I wanted to add on. They have settled some stuff for me already and I caught up on a couple of withdrawals where I was behind. They let me know if something happens, and I also let them know on my end so they're aware of it and they can make arrangements.

When I called Pacific Debt, they seemed very informative. They answer all the right questions easily and make me understand. My credit advocate calls every two to three months and lets me know what's going on, where we're at, and any recommendations she might have. She's very up-to-date. Pacific Debt is always very professional when they call. It was helpful to have a goal and meet monthly requirements and they made it very attainable and a learning experience. It's been a very good experience.

My wife and I had been overseas for a couple of years. When we came back, we found things we had to deal with. So I looked online and Pacific Debt seemed to be the most together. I like their Better Business Bureau rating and the people I spoke with were by far the most articulate and organized. I have to say that I try to establish their superiority empirically, but it was mostly a feeling really of talking to people on the phone and believing them, trusting them. I'm very glad I did because they’ve been everything we could wish and more. It seems that they had different people doing different things at different times. Initially, there was a guy, and then it switched over to a woman, and then a second woman after that, but every one of them was right on the pen. If I send an email, I got an answer back within hours. And if they sent something and I responded, they told me that they’ve received it, that it was fine or that I need to do something else.

My stress level was out of this world because I got in over my head with debt. I had to find a way to resolve it so I contacted Pacific Debt. I've worked with two of their credit advocates and both were great. Also, they were very helpful, knowledgeable, and able to answer all of my questions. They took care of contacting my creditors and working with them to get my payment down. Some have already been resolved while others are still ongoing and they let me know what's going on each step of the way. To be honest, the process has been very hard. That's quite a bit of money coming out of my bank account to pay for this even though I'm not paying the full amount to my creditors which is horrible in itself. I barely make ends meet, I live on my social security and that's my only earnings. On the whole, Pacific Debt has been a Godsend. I would definitely recommend this company.

I'm getting older, my husband's getting older, we both are beginning to have some health issues, and I wanted to try to get as much of my stuff paid off as possible without ruining my credit. The rep from Pacific and I have a very good relationship. I have an email and a telephone number where I can get a hold of her and she's very helpful. Pacific Debt has helped me tremendously with the anxiety that I was having because I know now that they're taking care of everything. I provide the monthly payment to the banking account, they work with the creditors, pay them, and work out a deal. It's tough making the larger payment, but knowing they're making the larger payment and taking care of many more accounts makes it much more palatable. It seems to be working very well.

Pacific Debt came up on one of my credit cards and I went online. I have a really good experience with Shauna. She takes care of me really well. Anytime I needed to talk to her I'd shoot her an email and she'd get right back to me or when we had to get anything done, she's prompt in getting through to me. I've had less stress since working with Pacific and we're almost done.

I have about $100,00 in debt in different credit cards which was a result of divorce and my kids flying from St. Louise to Miami, and I cannot do this myself. I researched in the internet and found several companies that may help me with my financial needs. And that's where I did check reference. It wasn't an easy decision. Every company when they called me, there wasn't a pleasant conversation. But specifically, one made me more confident with Better Business Bureau. After this, I decided to call Pacific Debt and they were just excellent. I spoke to a lady who has enrolled me, then had a conversation with the management.

I needed some relief from debt so I sought their help. The process is still ongoing, and it's been great with the credit advocate who's not been hard to get a hold of when I have questions.

I was searching for debt relief programs in the internet and Pacific Debt was the first one that came up. I looked it up on the Better Business Bureau and read a couple reviews. With any program like that, it's always hard to know if it's legit because there are a lot of scams out there that might be similar. But it seemed like it’s checked out and everybody had a really positive experience, so I decided to go with it. However, I wasn’t entirely sure what the plan was until I had invested a month into it. For the first month, it was a bit scary because I didn’t know what the goal was and how it was all going to go down. But after that, it was explained really well and everything made sense. In fact, I'm in the clear by the end of summer.

I found Pacific Debt online and it was very easy to get a hold of their credit advocate. So far, my experience with them has been great. In fact, I just paid another thousand yesterday, and I have $2000 left to pay.

The Pacific Debt ratings were very good. Also, they seem to pay more attention compared to the other companies that I contacted who were pushy but weren't really interested. Pacific Debt got all the information about my income, expenses and my credit card bills, and they set it up for payments over time in amounts that will be covered by my escrow account over a period of however many months it might be. This has been ongoing, and so I have been dealing with their credit advocate as often as I need to. They're very friendly and I was really surprised at their personal attention and interest. They definitely care about people. It's such a relief to feel that things are being managed because it was definitely unmanageable by the time my boyfriend left. I would recommend them to anybody.

Pacific Debt has definitely worked on my behalf when talking to my creditors. They were able to help me lower the amount that I need to pay back and settle it instead of using bankruptcy. And the reps have all been pretty good. They’re timely in their manner of calling me back and answering my questions.

I needed help with my debt. So, I contacted one of Pacific Debt's agents. He said this would help me out but I was suspicious at first. This guy is all the way from California and I'm in New York. What will happen if I give him my account number and I put money in for him and then nothing happens? So I spoke to him, asked for every information, and he gave me every detail. I was satisfied and went for it. Since 2015 and up to 2017, everything went smoothly. I felt that I have peace of mind and I didn't have to write a lot of checks I didn't have. I dealt with them online and they kept their word. This was one of the reasons I love Pacific Debt.

I had recently gotten put on disability and my income was decreased by more than half. We were having a hard time financially and we were getting calls from collectors so I needed the help. Pacific Debt initially called me every couple of weeks but not so much anymore, since I have been assigned a case worker. She's super nice and efficient. I communicate with her by email quite often and she answers quite quickly and thoroughly. She tries to help people unlike most people who discourage you at times. So far, Pacific Debt has been able to solve three of our credit issues for substantially less for what we owe and it’s been nice just to be able to deflect the calls. It’s been a great experience with them so far.

I was trying to head off a problem, and found Pacific Debt online on Better Business Bureau. They were ranked in the top 10. Pacific Debt pretty much took care of the problem.

I was overwhelmed financially so I was gonna see about getting a loan and Pacific Debt popped up on my computer screen. I started looking at their rating and if they were a reliable company. I called them and they were able to explain the program very well. That helped because when it gets down to all the contracts and the paperwork, it helps for someone that is knowledgeable to go over all that with the customers which they did very well. I was massively in debt, more than what I realized, so it's better because of Pacific Debt. I was on the verge of bankruptcy and they've been my rescue. They took a lot off my shoulders. I have never done this before and I've never been this much in debt either. It was scary going in because I didn't know what I was getting into until talking with the initial person and them explaining what would happen and how they do it, step by step, and then telling me who my case worker was gonna be.