Pacific Debt Relief Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Pacific Debt had the best consumer reviews so far from different companies. They set up an account and it was very straightforward. They took my entire debt, made a general number, and divided that into 48 months. I can pay more if I want and I will have no penalty. They calculate on their own seeing how much I have and how much they're willing to settle for. I passed it through my bank account and now it's direct deposit. It just started and then as the fund grows and the creditors call, they’ll finally settle my debt through that account. The effects are going to be in the future, but it's giving me a little bit of relief.

I have been pleased with the service I have received. All staff was nice, and helpful but one so considering I had several that is pretty good. I think one thing that would have helped me would have been to understand how my bank statement better.

We're new with Pacific Debt and we have a positive experience with them. We were drowning in credit card bills. I only called two companies. I called National, and for the amount of money we owed, they were really expensive. At Pacific Debt, everybody was really nice, really congenial and helpful and the cost was within what we could budget so I went with them. I've dealt with a girl named Eva. She's been very nice. When she wanted the statements, I just sent it to her and requested that she forwards it and she did that without a problem. She lets me know that it was done so I wasn’t kept in the dark about it.

It seems that with Pacific Debt, I as the customer had to do all of the work. Whether it was from sending in all statements to them, or having to hear the phone calls coming in from all creditors. It was exhausting. I was already exhausted from trying to deal with my situation. I ended up calling the creditors myself and was able negotiate with them to lower interest and payments myself.

I was having issues making all my payments because of health issues and Pacific Debt is working on getting a settlement to get my credit cards paid off. The account manager lets me know what was going on and explained all the paperwork and the process to me. I'm paying them a set fee every month via automatic withdrawal and they get in contact with the creditors about getting settlements. I'm still only a month in and they said that I could complete the program in 42 months. So far, everything's okay.

I heard about Pacific Debt when my wife went through a debt issue a couple of years ago. I went with them and they handled everything really well. Everything went nice and smooth. I gave the account manager my bills that we’re going to settle on, and I made a monthly payment to an escrow account. With what I was making versus what I was still paying out to other bills, Pacific Debt put together a monthly payment and came up with an amount that I could afford. When the collections started coming in, the account manager started negotiating and the bills were being paid off. She would send me a letter or call and let me know that they had an offer for a settlement. I would agree or disagree and she could try negotiating again. She seemed to be on the ball with it. Right now I still have two accounts to be settled on, there's a lot less stress because I don’t have to deal with the collectors.

I kept trying to pay bills and I was making double payments and it didn't make any sense. And then I would get extra charges so I needed to get some help. I looked through several companies and I liked the report that Pacific Debt had in the Better Business Bureau. And I talked to them to see what they got to offer. It took a while to really understand how the program worked. I was kind of frustrated in the beginning because I was bombarded with calls from collector people for my accounts and I had never experienced that before. Pacific told me not to answer the phone and not deal with them, and that it was their job. They explained that it would be bothersome to get the calls, and they would eventually start to go away as the settlement comes in. It was what exactly happened. They kept their word.

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 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.

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.

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.