Pacific Debt Relief Reviews

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.

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 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.

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.

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.

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.

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 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 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.

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.

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.

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.

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 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 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 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.

I was very stressed and worried then about my debt, and did not know what to do. I read the reviews online and Pacific Debt have very good reviews. So, I decided to go with them so that I could make one lump payment a month instead of different little payments. Whenever I have a question, all I have to do is email their rep and she emails me right back. And once in a while, she emails me just to see how I'm doing or if I have any questions. And whenever I call her and leave a message, she's very prompt in calling me back. At the time, one of my accounts was under a civil suit, and she was able to negotiate with them where I settled out of court and gave me a good deal with them. I'm always very happy about that because she told me that that normally doesn't happen. She's been really good. Overall, they are great. They have basically taken the burden off my shoulders. They know what they're doing and who they're dealing with as far as the creditors.

Everything has been fine with Pacific Debt. It was a referral from a friend who had a good experience so I decided to sign up, and I have no complaints so far.

I couldn't pay all the credit cards for months by my own. I was very stressed, frustrated and overwhelmed. When I looked online, Pacific Debt had the highest reviews, and they were very understandable instead of judgmental. The credit advocates email, text or call me when I need them. Every month I send the newest payments, and asks if it already came and they will reply. And they're pretty flexible. If I need to call them in a different time, they're very good and understanding. They have answered my questions at the best of their knowledge. I'm satisfied so far. They have helped me, and made good settlements. I would recommend Pacific Debt.

Pacific Debt was rated pretty highly with Better Business Bureau so I decided to go with them. They're always friendly and knowledgeable and I get in contact with my advocate all the time. They're working hard to get my case handled and I'm very satisfied. I'd recommend them.

I was going through a crisis with funds and I didn't know what to do. It was getting to the point that I could not pay my debt and I was at a crossroads where I was going to have to file bankruptcy. I was going online and getting ready to call and talk to an attorney to find out how to file bankruptcy. That's how desperate I was but it was like my prayers were heard without asking. I got an email from Pacific Debt. It was really a nice email and I thought it's just some fraud company trying to rip me off so, I ignored and dumped it. Then, about two weeks later, I got another email from them, but from a different gentleman who laid out, in detail, how to reduce my debt, how to get out of debt and I was really impressed. It was the most impressive email I've ever gotten and it didn't read as a scam. So, I went online to Better Business Bureau and a couple of other sites, checked them out and read the reviews on them.

I called different debt consolidation companies and Pacific Debt was the one that called me back the fastest. Their rep sounded good about everything so I decided to get it started. Every time I tried to call them, there’s no problem at all. If they're busy, they always call me back. They asked me to get everything together and they started getting stuff taken care of. In fact, we've got one major debt already taken care of.

I heard about Pacific Debt from a friend of mine who had used them before. My debt was out of control and I couldn't do it on my own so I contacted them. I contacted my credit advocate a lot. If I had a question, I would call her directly or email and it would be within no time and she would respond back to me. They were always super nice and always reaching out to me through emails. Knowing that I made a payment and they took care of it for me was a big relief off of my shoulder.. At least I don't have people calling me all the time.

I have been with Pacific Debt since May 1, 2015. They have been outstanding in working for me while dealing with my creditors. I shudder to think what I would do without them. I didn't pick them first over other Debt companies, I picked them because they showed they would do everything in their power to get me through my time of financial pain. One thing before I go, I have a Manager by the name of Shonna **, she is outstanding and has always been there for me. Thank you Shonna.

Once again Tina ** did an outstanding job for me. She is helping me get debt free sooner than I could have done all by myself. All my gratitude to everyone at Pacific Debt Inc. I could not have done it without all of your help. From the very first call I knew I made the right choice.

When I was looking up debt counselors, I was looking for ones that were able to practice in my state and who had a high business rating. Pacific Debt is a BBB accredited business. Once a month, somebody calls to update me and then everything is the same as it was before. Everything has gone the way it should have or the way it was promised. It'll be better when it's over because the money that we have going into our account won't be going out once we're through. I would recommend Pacific Debt.

I needed help with debt and was worried about credit effects. The credit advocate at Pacific Debt was very nice. I'm a busy person but they called me back and waited until I had time to talk. They managed all my creditors and talked to them. While the process lowered my credit score, it gave me peace of mind because there is an end to the debt and payments are being made more affordable. It's better than claiming bankruptcy. My experience with them has been calming and relieving.

Pacific Debt's advocates were constantly in contact with me when I signed up with them. Their representatives were kind and friendly. However, some of the facts were left out. Back in July of last year, they told me that I was going to be finished by January of this year. I know that was the date I was told because every time I spoke with anyone and correspond about whatever is going on with my account, I made notes. Now, they tell me I have another year and a half.

I went to a different company and they took all my money, did not return it, and did not pay anything off. It's horrible for a senior citizen because we're on a fixed income. It was over $1,600 and that's a lot to lose. I looked on the computer and saw Pacific Debt. I saw all the recommendations that they had so I knew they were a good company. They were approved by people that's why I chose them. I know they aren't gonna cheat me like the other company and they have been really good. I picked over different companies and there were four different bills from Capital One and they paid them all off so it's great. I'm encouraged now. I know eventually all my debt's gonna be paid off and I'm happy about that. I tried to go through debt counseling and they wanted to pay it in full which I couldn't do because it was such a big payment. So Pacific Debt is a great relief. I would recommend them to a friend.

Pacific Debt was very helpful and accommodating. They followed through with whatever they said. They would contact me on a monthly basis, email me what they have accomplished to get rid of some of the debt that I had, and call me on the telephone and discuss my situation. They have handled each one of my creditors individually and resolved about 50 percent of what was needed so far. Pacific Debt worked out well for my circumstance and I would recommend them.

Pacific Debt seemed to be the most preferable among other companies that I contacted, so I decided to go with them. Every time I call, I got to talk to somebody. Their reps look at your total debt and how they can help you find ways that they could settle them. I've been very happy with the relationship that we have so far working together. It's very professional and a good experience overall.

I was having problems and it was starting to get me down a little. I wanted to figure out how I could try to get on my feet a little bit before I retire. Then, I saw online that Pacific Debt was good so I thought they might be able to help me out. In the past year or so, they've been contacting me every month, seeing if I had any questions. Also, I was always able to contact them when I needed to. Pacific Debt were able to setup the program with us, went through our card debt and together we figured out how we were going to take care of it. I was able to pay the debt off in a few years, a lot earlier than I could have without them. They were very helpful and I'd recommend them to a friend.

I am very pleased with the service that I receive from Pacific Debt. My account manager is very responsive to my questions. I am happy with the progress that is being made with settling my accounts with creditors. I have over 12 accounts in the program and several accounts have been paid in full, and the large majority are in settlement payment arrangements. Pacific Debt stresses that debt settlement is a partnership. As long as you sent them all correspondences from your creditors and keep open communication between yourself and your assigned account manager, the program will work for you. The Pacific Debt program is indeed working for me and I am on the road to being debt-free. I would highly recommend this company. I would not go anywhere else. They do what they say they will do to help you.

This company has been a life saver for me. Credit Card interest was assuring that I would never get them paid in full. Pacific Debt has wonderful employees, all of whom have been so nice to work with. They have guided me through the whole process with no stress on me.

I have worked with Pacific Debt for a few months, and so far I'm pleased with the service. Everything they've told me would happen has happened -- even down to responses from creditors. Moreover, Pacific Debt has stayed in constant contact with me via email and phone. Not once have I wondered where I stand with them. This is somewhat of a scary process, so I'm glad they are walking me through.

We've had some financial setbacks and we had a load of credit cards that we couldn't get ahead of. So we sent them all to Pacific Debt and now we're making our little payments. We've got 42 months left and so far, it's been awesome with Pacific Debt. They have been working wonderfully and have taken care of everything for me. We're happy campers. Pacific Debt has worked with me to take my debt issues off my plate. Before I worked with them, I was getting a dozen collection calls a day. I went four months without answering the phone unless it was my husband. Now, I can answer my phone and it's wonderful. We lost all our credit but we'll have to live without it and that's probably a good thing - learn to live without the plastics.

The person I have now is the longest one I've had since Pacific Debt changed their advocates. I could communicate them at any time. All I had to do was email them and they would reply back. And they've answered my questions. Some of them negotiate really good. We negotiated on three accounts and only one was bad. They didn't do a good negotiation for me because by the time they added all the interest fees and I'm paying what I owed, I'm still gonna have a strike on me. But other than that, I'm pretty much happy with it.

Even though I've been lax in communication they are trying to do a good job. I was having some personal problems and didn't respond to their attempts to reach me. I think they are trying to do a good job.

Complete satisfaction with the way my debts settlements have been handling in a friendly and professional matter. So far Kimberly ** has succeeded in settling 4 major debt accounts which make us closer to being debt free. She deserves our complete trust so much so that we have increased our monthly debit from our bank account into our payment fund. Thank you Kimberly!

I am happy with the service and the people are great to work with. Everything flowed smooth. I was surprised at the speed of which my accounts were addressed and happy to get this behind me. I could not be happier with the results. I would recommend this company to family and friends.

Pacific Debt has worked very hard to help me get rid of my debt. They have not promised anything that they have not fulfilled. I have entrusted this to them and have not been disappointed. I would absolutely recommend them to anyone needing this service.

I have been very pleased with Pacific Debt. They have always treated me with upmost respect and have never made me feel bad or a loser. When I start with them I was at my wits end and didn't feel I had any options. They have done everything they said they would do and I have gained some peace of mind.

When I spoke with Pacific Debt, the first person was extremely helpful and kind. The customer service was fantastic. I interact with them as often as I needed to if they needed to call me, but they did everything they needed to do. It wasn’t too much contact and so it wasn’t overwhelming. Cutting my monthly payment in half has increased my well-being in life, and my level of stress has gone down tremendously. I'm not overspending, but I am able to say yes to the movies and order dinner which I couldn’t do before because my payments were too big. I wish I'd known about it a few years ago, but I didn’t realize that there was something like this and that a company could work as hard as they have. The main thing was them not being judgmental or harsh in any way at all. They were understanding of my situation and what I needed and that made all the difference. That’s the kind of company I want to work with and I'm happy with them.

Was in and out of the hospital and going through divorce so when I learned about Pacific Debt through a relative, I decided to sign up with them. Their reps have been very nice and accommodating. I would recommend them.

I started very good with Pacific Debt. I spoke to other collection agencies, and Pacific Debt seemed to be the one that would benefit me so I went with them. In fact, it's working out well for me. Bryan was the gentleman who was helping me. He used to call me and let me know what was going on in case there was something that I needed to sign. I haven't heard from him this month but he was calling me at the end of the month about one of the accounts that I had. Pacific was supposed to see if they could do some kind of dealing with them. Pacific reached out and tried to settle with them. And that was last thing I had, but everything else was done. It wasn't a hard experience for me at all. I felt comfortable dealing with Pacific and speaking to them. I still have the little things that I have to catch up with. It's a step that my normal life just goes, but they have helped, so I'm doing better.

I am having a good experience with Pacific Debt. I'm very satisfied and they're really doing a good job. I feel very comfortable with them. I'm so tired paying my credit monthly. The amount that I owe is going up and up and it's like I'm gonna pay them for 20 years. I saw Pacific Debt's website and I called Erica. She then explained to me everything. I agreed with it and they called me the next day.

I was in debt and I didn’t know what to do. I couldn’t pay my bills and I could barely pay rent because I had a lot of commute and it costs $150 bi-weekly just to travel to my job - that’s only the bus fare. I was lucky when the house I was renting decided to sell the house so I had to move out. I contacted Pacific Debt and told them what my problem was and they were glad to help me. They called me back because I was really unfit because the creditors were after me for their money. I gave them all of my creditors and Pacific Debt talked told them they were taking over and I haven’t heard from them since. So the money I give to Pacific Debt is to pay the bills off for me. Now, I'm managing my money better since I've been with them. I'm not in debt and I'm paying off bills. Hopefully, I will have every bill paid off by the time I retire this year.

My son has gotten me into some horrendous credit card debt that I couldn’t handle his and mine. I was anxious but Pacific Debt took care of everything. I could reach out to their rep as often as I wanted to and everything has been great. It's been very satisfying with Pacific Debt.

I heard about Pacific Debt from another consumer company that said they were good. I left one company to go with them because it was $80 cheaper and I was in a crunch. I was concerned I wouldn't have the money each month for the other company that I have started out with. In the beginning, Pacific Debt kept in contact and asked me to send them the bills that I accumulate so I've been emailing my bills to them as they change companies or other companies buy them. Anytime I call them, I can talk to Brian and I always get him. I thought I could have my bills paid off in maybe two years but it doesn't work like that. It's not exactly like I thought it would be, but I just want the bills paid off but everything else is okay.

Pacific Debt was a referral and I made contact with them since I was in need of a specific company that will handle a situation. We're still in the process but so far I've been very satisfied with them.

The whole game plan was to allow the accounts to go into forfeiture and then Pacific Debt to work out its settlement with the company that pays them a percentage of that and that's going pretty well. Some have gone better than others as far as the percentage reduction in the debt and some we could do better on and we will, but it's all been within the framework that we started with as far as the live percentage. They're doing a good job. When it's time to move or something, they're ready to work and my account manager, Nicole, is also doing a good job. As far as a debt settlement relief company, they are as good as I could expect. I got no complaints.

I’ve been with Pacific Debt for years and I’m very happy with them. They’re doing everything they can to help me get out of debt and I’m almost debt-free. They’ve paid off everything except for one account. My other debt relief company, Discover, could not resolve with them in time to get me out of it, but because of Pacific Debt, I am able to go back into negotiations with Discover and let me get the account off my record. It's been excellent with Pacific Debt.

I had been taken by scammers and I was in trouble. They had sold me this deal that if I would invest all my money in it, they could make me tons more money but it didn’t happen. So it left me with losing all my money, plus racking up a lot of debt on my credit cards. I was trying to handle it on my own but the payments to each credit card company was just too great. It was just too much for me to handle and still continue with my life. I had to do something and Pacific Debt helped me so I just had a set amount I have to pay each month. They contact me every month to let me know how it’s going. And they’ve already settled one of my credit cards and working on another one. Now I don’t have the grief that I did before in trying to make those payments.

I liked Pacific Debt's Better Business Bureau rating and some of their reviews, and things have been a little better since working with them. It's been a little easier to manage all the stuff we had prior to getting into this account. If I call any time I have a question or a concern or I’m not sure about something, there’s a specific person assigned to my account. And she’ll either answer or call me right back. I was a little nervous going into it but they’ve definitely been very helpful. Pacific Debt has done everything they said they would do prior to us agreeing to do it with them.

I looked at a few debt relief companies then decided to pick Pacific Debt and see what they had to say. I've also contacted a couple of other companies but I didn't get a good feeling with the way they were talking. But Pacific sounded good and most of the time, I got a recording. And with Pacific, I got a hold of somebody right away. So, I went with my gut feeling and used them. Their people explained things to me and made sure that I understood exactly what they were talking about and how everything would work. I didn't have any negative feelings. To me, they've been great. They keep me informed as to where everything is standing. I get phone calls and emails from them in a timely manner. There was really good communication and it took a lot of my stress away. They assured me what they would do upfront and they have followed up. I felt good about them and I would recommend them.

I was in debt over my head, I couldn't make the payments and I needed help. I went online and checked out several different companies and Pacific Debt had the best reviews. I've been at this now for two years and it takes a lot out of my paycheck. But they've been able to get the debt down to a number that I can deal with. Also, usually, anytime I called, my advocate would answer and if not, she'd always call me back. She keeps me well informed and she told me today I'm almost at the end of the process. Knowing that makes it easier to breathe.

The people of Pacific Debt have always been pleasant to work with and helpful if we had questions or something that we needed. We are not finished yet, and still have a way to go but Pacific Debt has made our monthly expenses easier to maintain. Since there's one set amount that we’re paying each month, it has been helpful with cash flow. It’s been a good experience so far and hopefully it will be when we finished.

My sister told me about Pacific Debt and I knew it was a good deal. Then, they set up an account to take money out of to pay off the debts that I owe. I get in touch with them often enough and I'm able to contact my advocate anytime I needed him.

I was in a lot of debt and came across Pacific Debt and reached out. I've read a lot of reviews that they mess things up, they don't take care of things and makes it a worse situation for you so, I was very nervous, even scared, to go through with it. I'm not sure how they would handle it, where I would end up at the end and how much it would cost me. But I felt very comfortable with them so I decided to move forward with the program. I've been with them almost three years in the program and probably another year and I should be done with everything.

I've had some interaction with my credit advocate when I first started with Pacific Debt. But then after they got the account, that was the end of it. I got a letter saying that I better have so much money in my account by the first of the month by some company or else. I would like some correspondence with Pacific Debt since I'm hooked up with them. I've complained that they never let me know everything. It says online I can go in and view my account, but there's no way I can do it. I've tried several different ways and can't seem to find out what I owe or who's been paid. A statement would be wonderful because I don't even know where I stand.

I have debt and I was a little worried they're gonna come after me and garnish my stuff. I saw Pacific Debt online when I was looking for some debt relief places and I figured I'd see how it works so I spoke to someone. It sounded like a good program so we gave it a try. It's been 2 years now and so far, so good. The credit advocate is really good, friendly, and she calls me up and gets my approval every time there's a settlement. I also have her direct number and I can get in contact with her anytime I want.

At first, it was either we use Pacific Debt or declare bankruptcy and 90% of it was medical bills but we couldn’t prove that because we didn’t keep a record of things even credit cards. It was major decision for us but there was nothing about Pacific Debt that we hesitated about. We looked at recommendations and reviews and what the Better Business had to say about it and they were very high. However we're on Social Security and that's our only income. Both my husband and I have very high medical bills. All our medication costs a lot of money. And I thought, "How are we gonna do this? They’re gonna ask us to pay. We’re not gonna have any money to eat.” And the first question they asked was “What are you living on now?” We said, “Very little and we know we can’t keep doing this.”

I was feeling overwhelmed so I decided to contact Pacific Debt. I've dealt with my credit advocate as often as I need to like anytime I've had a question or anytime that they've been right there. They've taken the burden from me. Overall, my experience with them has been great.

I had a lot of debt and I'm disabled and Pacific Debt has been a great help. They keep the payments low for me, I can contact them anytime I need them and they keep communications up. It gives me peace of mind that I'm getting taken care of and they're nice and understanding.

I really appreciated Nicole who worked really hard to get the debt settled. She did everything that she claimed she would do and kept me included on all communication so I knew where I stood. Nicole gets 5 stars. The only thing I did not realize was that you get 1099 at the end of the year that states settled debts are considered income. We did not understand that, so communication could have been better regarding that.

I had a lot of overwhelming debt I can never get under control. I am really nervous with my previous credit, we couldn't make the minimum payment, it was very frustrating. We'd repay it, but I noticed all minimum payments were almost $1,000 a month, the more it is frustrating that I can't get it under control. Then I heard about Pacific Debt from my father, I believe he had heard about it from one of his friends.

Pacific Debt encouraged me and gave me light at the end of the tunnel. They negotiated with the lenders on my behalf.

I had a serious illness and had to leave all the credit cards till my my health situation got resolved and my credit card debt got out of control. It was $3,000 a month and I was really stressed. Then I went on disability, got my teacher retirement and my monthly income was gonna be $3,330 which leaves me $300 to make car payment, buy food, and pay for my medication. It wasn't doable and I wanted to be free from the credit card debt. I contacted several companies on email and Pacific Debt was the first one that called back.

I was with Lexington Law first and then it was them that recommended consolidating my bills with Pacific Debt. The rep was able to explain things to me and he was very considerate. He has been very helpful and answered any questions I've had. I make a payment to them and they take care of paying the bills, so it left me feeling a lot less stress and has made me feel better. I've already recommended somebody to them.

I wanted to avail myself of the Pacific Debt services so I contacted them and have been working with them for about 4 years so far. I interact with the credit advocate as much as I wanted to and Pacific Debt has reduced my debt and they're very responsive to answer my questions.

I just want to get my debt under control so our credit can become better than usual. PAcific Debt's credit advocate communicated with me and let me know what is going on. Usually it's my husband who does it mostly because I work night shift. Getting Pacific Debt to help us seems to be working well.

When we run into debt, the credit card companies were screaming and yelling. And it was a very bad time because my husband just had brain surgery. So when I found Pacific Debt, we called the San Diego number and talked with a gentleman. We did not have money to start the plan so he told us to call him when we have one to start the program. It took us three months to save some up, but it's been easy going since then.

When I had a lot of bills that I needed to get cleared up, a friend told me that Pacific Debt had helped her. So I decided to see if they could help me also. And now, Pacific Debt has been working with me real well. They're getting my bills settled and my debt cleared up. I think highly of them. They worked with me by getting my creditors to lower whatever I owed, to make the payments lower and they made sure that it was taken cared of quickly. If there was something that I needed to know or if I had a question, I could just call them and someone would always be there to answer my questions. I always had good interaction with whoever I spoke to at Pacific Debt. A young man recently called me and told me that at the present time, we had three small creditors to pay off and then we'll be done. That made my day. It has affected my life greatly and has taken the weight off of me.

I was paying credit card bills I couldn't keep up with and very stressed out. I researched debt consolidation, and Pacific Debt had a high consumer rating. Thje first few months, interactions with their rep was good then it became a little more sporadic. The rep was able to make a negotiation with the credit company. They were asking me for any kind of bills I would get from the credit companies, and let me know that the creditors would be calling me up a lot, harassing me. They told me I don't have to answer the phone and to just send them all the information that the credit companies send me regarding the outstanding debts. I would email it to Pacific Debt and they took care of it. I was paying a lot of money and it knocked out my balance considerably. It took a lot of burden off of me, and I'm looking forward to finishing what I have left to pay off, so I could start clean. What a relief it is to have them take that load off my back. I'd recommend them.

I was having a lot of trouble managing my bills. I was frustrated and depressed because I couldn't keep up with everything so I contacted Pacific Debt. My credit rep usually gets a hold of me around once a month but if I need something in between, I call them. I've been happy with them. They helped me and did a three-way calling with me and all my creditors to get them to negotiate with me. The lawyers were taking me to court and Pacific Debt spoke with them, settled on one, got that resolved and we're getting out of the hole. By summer, we should have most of the bills paid off and then there's a couple of smaller ones left to do. It's been a very good experience.

Pacific Debt ruined my credit. I wasn't told exactly what would happen by being involved with them. Their process hurts and their people were agonizing to work with. I'm very dissatisfied.

During the application process, Pacific Debt didn't take long at all once they got back to me. I've had two or three interactions now with the reps. One time I called them to see where we're at and Julie, the new rep, did pretty good. I haven't had any problems yet.

I went online looking for companies that do what I needed to be done then I researched Pacific Debt. I found them to be in good standing, seemed to be reliable and they've been around a while. They pretty much described how they escrow and different other things with Crossroads, which was excellent. Then, I made the decision on that as far as what we're looking at, what I was looking for, and it seemed to be okay. Also, I deal with Christine most of the time and she's been very helpful and responsive. I can't hope for anything else.

I did a Google search and Pacific Debt was one of the top pages listed. They were the first one that I called and they were helpful and very knowledgeable so I went with them. I have no complaints.

I was looking for a debt consolidation company, but when I talked to a few of the others, I didn’t like what I heard. So when I read that Pacific Debt had first rating reviews, I used them. When I called and explained certain things, they said that they could work with whatever is good for me, and that’s what I want to hear. It’s been amazing. I'd send them an e-mail and they always reply whether I asked a stupid question or not. Then when I fax stuff, they always send a confirmation e-mail to say that they received it.

Everything has been fine with Pacific Debt. It's just that I don't think it was really explained in the beginning how long this whole process is going to take. It's taken a lot longer than I expected. 'Cause I can only afford so much, which is killing me.

I was in a horrible situation and I was either going to contact Pacific Debt or take out a loan. I called Pacific Debt first and I've talked to my credit advocate several times. I called her the other day because two out of the three accounts were paid off and I got $10.99 for income tax. She explained to me what to do with that, so it was good. Pacific Debt took care of the debt for me. They told me that I'd be getting a lot of phone calls and it was up to me whether I wanted to answer the phone or not, and I didn't have to. They seem to take the upper hand on things and things happen quickly with them.

Pacific Debt has been fantastic. It was the end of the year last year when I did the program with them. They tried to get all the settlements that they could with the exception of the ones that are big like the capital loans which they really didn't have a lot of wiggle room. The application was very simple and everything was automated. I can do everything, find everything, and get everything submitted online. It was fast and easy. Pacific Debt has also been excellent in communicating and answering all my questions, and getting some excellent results for me. My advocate, Nicole, is fantastic. She is quick to respond to all my questions and has done a great job in resolving everything for me. I had a $7,500 debt and she resolved it for about $750. It was awesome and saved me much.

I was looking through several different companies, but I noticed that with Pacific Debt, we'd be given one person to work with. And since I didn't want to deal with different people, I decided to go with Pacific. At first, I was very unsure of it because I didn't know who or what to trust. But once I got a hold of the people there and they started calling me, telling me what was going go on, and how everything was going to work, it turned out to be a great experience. My goal was to find a house this year but I wanted to do this first, and I've been saving while paying this off. Now, I'm down to the end and was told that they were going to close me out by summer. I was so amazed to hear that.

A friend told me about Pacific Debt and since I wanted to consolidate my debts, I contacted them and I'm so happy I did. Their reps were in touch pretty often, especially when we started. They wanted to make sure I understood everything and they kept me informed about what was going on. I'm working with Nicole right now and she's great. She always calls me and updates me on any news. I always get the statement from them every month and we're already making progress.

I was overwhelmed and frustrated by debt, so contacting Pacific Debt was our last resort. They told us how the process worked and asked us how much debt we had and what were the circumstances behind it. I lost my job and my wife is on social security, so we had no choice. They understood us and they helped us through the process. They said that we're going step-by-step and even offered for me to check the Better Business Bureau to see their background. There were no issues against them, so I felt comfortable and then eventually got into the paperwork side of it.

My experience with Pacific Debt and my account manager, Brian **, couldn't be more positive. He has been courteous, caring and ready to help and offer advice during my entire process. He relates on a personal level that puts you at ease and does not embarrass you at your ignorance about the process. I am extremely satisfied.

My daughter had used Pacific Debt and had a positive experience with them so I reached out to them because I had a lot of credit card debt. I am retired, on a fixed income, and couldn’t repay the debt. My experience with Pacific Debt has also been very positive. They have someone who takes the money out on a designated day every month, and we’ve been doing that for the last three years. And in three years, I only have $2,000 out of $25,000 left in debt so I’m very impressed with that. I have an excellent team leader, Brian, who takes the time to explain everything. There have been times when they have called me and asked if I do an extra $50 a month because they can make it a great and exciting deal. I couldn’t do it and they accepted that.

My husband and I had an overload of high credit card debt left over from his previous marriage and it was eating us alive. I was tired of fighting it every month, trying to make ends meet, so I talked it over with my husband and he said, "See what you can do." So I started doing some research and a gentleman referred me to Pacific Debt and we have been very happy with them.

Dealing with my debt is easier now with Pacific Debt because I don't have to mail in the credit card statement. If I could, I'd give more a month, so I can get out of debt quicker, but I can't. I had a good experience with them and even my sister asked me about Pacific Debt, so I texted her the number I have in my phone book.

I was in debt and stressed so I got in contact with Pacific Debt. My experience with them has been pleasant and customer service has been good. I could email or call them anytime I wanted and they would be there. I'd send the letter and collection notices from my creditors to them and they'd contact the creditors and are able to negotiate a settlement on the accounts. The person who's been doing my account has settled several of the debts and has been taking care of contacting me and getting everything approved. It's been a smooth process so far. It seemed to have been working out all right and has made my life more predictable. I know where I'm at and I'm right at the end of the tunnel. Overall, it was easy and stress-free.

I could not have had a better person helping me. She has been super great in helping me in so many ways. Very understanding and the staff all around, and very resourceful. I would recommend your company to anyone. The last company I with cost me a lot of money and didn't get much taken care of.

So far I have been very please with Pacific Debt. Ellen have done a great job in handling my account. If I hear of anyone that need your service I well recommend them to you. Thank you for your help.

My rep, Brian was really a nice guy and I'm happy with him. I talk to him once every two weeks and I send him all my stuff. He gets a payment, then he asks me if it's okay and if I say yes, we'd go from there. At first, I didn't understand the crossroads, that it must be a separate account to have the money transferred, but I figured that's their bank. Pacific Debt has set me back a little bit, but I gotta learn how to not spend so much money because even though it's only $600, I'd still have to pay insurances and taxes.

A friend of mine told me that Pacific Debt was working with her on her debt, so I decided to try them. I get in contact with them once a month and they were good about staying in touch. I would also call if I wanted to pay a different time. In the past, creditors are calling me every time, but now my debts are being taken care of and they have it under control. They're doing a great job.

I was feeling hopeless and tired of paying the minimum on my credit card bills and not getting anywhere so I contacted Pacific Debt. They work with the creditors to get me out of debts. Everyone's been really nice. There was a little bit of miscommunication in the beginning but it comes down to me not asking the right questions with anything. But most of the time, if I have a question, I'll reach out and if I can't get a hold of my specific account person right then and there, she'll call me back within 10 minutes or email me.

Everything is going pretty well with Pacific Debt. They were all helpful.

We had a serious problem with my work. We lost some jobs here in Houston and it was difficult for me to pay the bills at a time. So I decided to call Pacific Debt Inc and request help. I have a problem with my depression at that moment, but when they told me about how they could help me lose all my problems with my credit cards, I was more peaceful.