Pacific Debt Relief Reviews

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.

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.

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.

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.

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.

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.

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.

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 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’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 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.

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.

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.

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.

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'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.

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 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.

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 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.

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 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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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

My wife had just passed away and I had all kinds of medical bills to pay and funeral costs, so I decided to get all my credit card bills taken care of. I went online and saw that Pacific Debt was the best, so I went with them. When the credit people kept sending warning papers and phone calls, I'd call PDI and they'd settle me down. That made me feel better because credit card companies and collecting agencies were getting pretty bad. They told me what was going to happen and about the credit card companies wanting me to make payments because then I could start the interest all over again. They’ve been through it before so they know what's going on. I interacted with them anytime I wanted to, and they'd call me once a month too. They help me pay off my credit cards and that gives me debt relief. I got one credit card almost paid off now so that makes me feel real good. Overall they do what they tell you they're gonna do.

I was way over my head with some debts. I couldn't make my monthly payments with the income that I'm having so I was really nervous because I have never been in this situation and having debt collectors calling me. But Pacific Debt has really worked and they've come a long way for me. It has cut my monthly debt in more than half of what I would have had to pay out to my creditors. When I first started before we reached settlements, I was giving them the emails and letters that my creditors sent to me and I always get a positive response.

We had used a debt settlement before and I worked with them myself on behalf of my wife. We were being a little bit guarded and trying figure out a decent company to work with where things would turn out the way they said they would. As a marketing ploy, these companies tend to exaggerate their results trying to draw people in and then there are certain important details that they tend to leave out.

I was in a lot of debts and I needed to clear it off. I was reading the reviews and everyone was saying good things about Pacific Debt. I then decided to contact them. I interacted with my credit advocate once or twice a month and they kept me up to date when they have a settlement with my creditors and if anything changed. They kept reminding me to send in any statement that I receive and they're very informative. They gave me a breakdown of everything and told me what I needed to do and how much they will be paying to the creditors. The payment arrangement worked perfect with my budget too.

My situation was getting a little bit on the desperate side and I needed some help. So, I was online and saw Pacific Debt amongst debt-oriented people. Mostly, what stood out was the layout and the way they presented themselves. I also talked with somebody else but I felt more comfortable with Pacific. I explained my situation and they also explained what they could do if I was interested. They laid out all the terms and then we went from there. We've been working for the last two years together and Pacific Debt was my savior. They’ve been very professional and realistic with me. After everything was settled, my rep contacted me every month to see how comfortable I was about everything. So far, they go between myself and the creditors. With Pacific Debt, my life has eased somehow and in May, everything will be settled out.

We got to a point where I couldn’t handle the payments anymore. They were getting too high, so I had to do something. It was either go with bankruptcy which runs credit, or a debt place where they make an effort to pay them off, which was better. My fiancé's daughter found Pacific Debt, and they seemed to be the best. I thought it was a debt consolidation place and that they'd be paying all the cards off at once. I found out later that it was debt settlement, which wasn’t what I thought I was getting. They should've been upfront with me about that in the beginning. So I'm still trying to get the cards paid off and I was hoping that the monthly payments would be low because I only get so much per month.

If I needed something, Pacific Debt's reps were usually pretty good about getting back to me. It's the same for when I don't get a hold of them right away. This is the first time I've ever done something like this and hopefully, the last time that I'll have to do it. It's been good so far and four debts have now been settled. However, I thought that I would reach settlements with some of my lenders sooner than what I have. But it's a four-year plan so I have to have some patience. They explained that on the front end that it would take some time to get these companies to settle with us. I also blocked some calls 'cause I did have some lender calling me. I have one that got ahold of my work phone and called me, which I was unhappy about. Other than that, my experience has been okay.

I had experiences with several other debt settlement companies and at least one consumer has something negative to say about them. I rely heavily on people’s past experiences and when I read really positive reviews and nothing negative about Pacific Debt, I decided to go with them. I was initially with the QuietCare team prior to being assigned to an account manager and anytime I had any questions, I would just call and all of my questions would always be answered. And anytime I needed to send a statement, they would make sure to reach out to me. Communication with them was very easy. Although they’re not really open on weekends. I'm in Texas so the hour difference is a little bit weird but besides the hours, everything’s been great with Pacific Debt.

Four years before I got into Pacific Debt, I had enrolled in a program but I ended up backing out because something inside me just was not sure and it really bothered me. Then when I was searching online for different ways to try to control my debt, I came across Pacific Debt and it had more good reviews than bad. And in the past, the ones that I had checked into had more bad than good reviews. So I called Pacific Debt and talked to a very helpful person. He was very good in helping me understand that credit card companies are designed to where you don't ever get out of debt. And he said, "if you go back and you look, you'd already paid off your debt but because of the interest rate, you don't get anywhere." He helped me feel a lot better to go about it. It didn't leave me questioning things too much.

A debt company that could not help me referred me to Pacific Debt and I've been with them going on three years now. Everything has been perfect and they've been extremely helpful. I began with 13 open accounts and now, we only have to settle 4. That's way sooner than what I expected. Customer service wise, they've been awesome.

I was looking at consolidating my debts and looked at a few different companies. I had done an intake with some other company, but I just didn’t trust it. I reached out to my grandfather, who knows all about this kind of stuff, and I told him which companies I was looking at, and he liked the sound of Pacific Debt. And whatever he says, I do. I worked with one person on the phone and now, it's mostly email. Throughout the whole process, whenever I've needed someone, they immediately get back to me. Everyone who I spoke with answered my questions, gave me numbers and examples, and seemed pretty honest and forthright.

I am very happy with Pacific Debt, they saved my life in so many ways. I thank them. They were always there for me when I had questions concerning my acct. I would recommend them highly to anyone whom needs a service such as theirs. I am thankful.

When my wife and contacted pacific debt we needed a lot of help with our debt situation. I read the reviews on pacific debt. Call them up. They were top notch in everything explaining the process cost and how long it would take. Everything they said they would do happened. Thanks Pacific Debt.

I would recommend this service to anyone struggling with tens of thousands of dollars in debt. It provides peace of mind month to month that your outstanding debts will be dealt with by professionals. It's very worry-free and the terms are short.

I have worked with Pacific Debt for several years. I have found each member to be polite in their nurturing and they get to the point of stress quickly. Pacific Debt is above any other business conducting debt management. If you are having finance problems, Pacific Debt will help you solve them.

I was going through some problems and I just couldn’t pay my bills. We had a bunch of credit cards and the payments were ridiculous. Every month, we were just paying minimum and getting nowhere. I started looking to see what I can do because I wanted to get it paid off, and Pacific Debt's number was the first one that popped up. I called them up, they explained the process and I went through them. The guy that I initially spoke to was very nice, helpful, understanding, professional and patient with me because I asked him a million questions just to see what the process would be. He convinced me. Then when he got me through everything, another lady took over. She emails me if she needs some statements and I try to comply.

I first spoke with Pacific Debt almost two years ago. I sent them information and then they reached out asking for a little bit more. Then, they gave me a team and those are the people I work one-on-one with my credits. So, there are phases of communication. They also communicate with me the way that I needed to because I don't check my personal email as often because I have a work email. So, I like the fact that they have an option where you can get text which works out much better for me. Overall, I think the communication was clear.

I am very pleased with the way this company and especially our debt advisor Kristen ** has handled our situation. Our debtors are being paid and we will be debt-free much faster than we could ever have accomplished on our on. We are definitely looking forward to being debt-free.

The CFT website that show payments, settlements and drafts should give more info on bills that still needs to be settled or at least list them. Pacific Debt should keep info on some kind of website we can access to see status or recommendations they have on their schedule to do for me.

My mom has got dementia, so she has no clue. I was taking on the responsibility of paying off all the debts and so I looked for somebody to go ahead and handle it, so I wouldn't be taking all those calls. I looked at the ratings on different review sites and found out that Pacific Debt was pretty good. So I contacted them. I interact with my credit advocate for at least once a month. After we both got on the same page, Josh would call me up, and give me the percentages, and give me a lowdown, and I would tell him to go for it. He'd set all that, it was really simple. I authorized payoffs and transactions while I was in the store shopping. Josh was awesome to work with.

I was skeptical with Pacific Debt in the beginning because I never heard of the company before. But there was something different about them that caught me and it sounded like they really cared, so I got into the program. But that process was long and in the beginning, I've been on the phone for an hour. But still, what's an hour when I got to get rid of some debt? They take care of things in detail and kept in contact as I do with them. Anything I get in the mail I send to them right away. Now I've been with them for a year and they've already settled four of my six accounts.

The fact that we've never had a questionable credit in our lives, and all of a sudden, we have a questionable credit is the problem. I had a good experience with my interaction with Pacific Debt's reps and they relieved us from some stress though it also added some stress. But, we're comfortable with it right now.

Pacific Debt's ratings were good so I went with them. In fact, I Iooked them up on the Better Business Bureau and after speaking with them and doing some research, they seemed to be the best to go with. During the application, I talked to them and we had to go to over my credit card debt. They told me an estimate of how long it would take to settle. Throughout the process, the communication was great. When I sent e-mails, they respond. Even when I first started working with them, they were very quick and efficient in getting back to me and letting me know what I needed to do or send in if I missed anything.

Kristin is the name of our account manager person who's overseeing the process. She's pretty good when I give her a call and leave messages then call me back. However, I felt like I could get more calls. But I know they deal with a lot of people and that's because I get more calls from the creditor people. It's been really good and we're making progress, which makes me happy too. Pacific Debt has been straightforward with me.

We had gotten ourselves into an overwhelming situation with credit cards and we're trying to revamp our finances. It didn't look as if there was any way out, and then we got in contact with Pacific Debt. In the beginning, I got to interact with them very often and they were always available when I needed to talk to them and kept us abreast of what was going on. The phone calls from the creditors drove us out of our minds but I kept having faith that Pacific Debt would have it under control. They've taken the initiative and they know the ropes that we wouldn't have had access to, to give us some peace of mind that these accounts were settled and are being paid off. It made our lives a little easier to breathe.

I wanted to clear up some credit cards I had so I contacted Pacific Debt. They explained everything and let me know what's going on at all times.

I take care of a business. I went a little bit over on my credit and was having a hard time keeping up trying to pay all the debts. We picked Pacific Debt out of the internet. My wife or her friend had mentioned something, but I didn't know if they were the best debt consolidation and relief company. So far, however, they've been taking care of my business and I've been satisfied.

I went online, did research, and saw Pacific Debt's rating was better than most of the people who do debt consolidation. I had a very good experience with their credit advocate. But I was very upset about a letter that I got from an attorney as regards to Bank of America and there was a summons attached to it, and I tried calling Pacific Debt but couldn't get anybody. My blood pressure went sky high because I've never been in this position before. I had no idea what was going on and they're talking about a bench warrant. And then I was told that I shouldn't worry about the summons because they cannot come to my house and arrest me. So I'm taking their word for it, but I am still very concerned about it. I want this thing with Bank of America to go smoothly and to be assured that nothing will happen to me in the process. But overall, I'm very satisfied with Pacific Debt.

My wife used Pacific Debt about eight years ago. Then I was with Freedom Debt Relief and they didn't get me anywhere. I had four accounts and I was with them for four years and I still haven't had one paid off. So I went to PDI and they took over. The first guy I had was great. He left but the guy I have now is just as good, friendly and speaks with me professionally. They got me out of debt quicker than I thought and I have already recommended them to people.

I did a lot of computer research and made several phone calls. I really liked the person that I spoke to initially. He made it very clear to me that their goal was to help me get out of debt as soon as possible, and they offered the best deal for me. I just want to thank everybody at Pacific Debt. They worked with me with my finances. The rough part was waiting that first six months and that was pure hell, so I was on the phone a lot. But after that, I only called if I have problems. I've been very happy that I made my last payment.

I had a personal referral to Pacific Debt. When my referrer gave me their phone number, I was told that they'll work with my debts. I called them and the rep was really friendly and informative. They didn't leave any stone unturned with me and it was good service. Not all my cases had been settled yet, but they are working pretty hard on them, and it's been a relief not paying as much debt as I was.

Pacific Debt customized and negotiated my debts with my creditors and then created a plan that suits with my monthly payment. I have my account manager and we have communication very often. She sends the statement every month and I'm very satisfied. Working with them has affected me in a positive way as I have started to restore my creditability. Overall, it was an excellent experience.

We owed too much and Pacific Debt did their job and the process worked out just fine. We got us a discount. When we called, their rep was very helpful and very professional. He did a nice job for us. I would recommend someone to him. I look forward to a little bit easier and simplified life which was the reason we went with Pacific Debt.

They called and explained how everything was working. I am very satisfied overall now.

We had a very good experience with Pacific Debt. My husband needed some help then and their credit advocate called right away. So far, it's going good but it's going to take a while. I'd recommend them!

I had a desperate need to settle some debts and Pacific Debt seemed the most efficient from what I found as suggested by my mother. I have had several different people helping me, but once a month, we have a discussion about what's going on with my account. They’ve been very helpful the few times that I have interacted with them over the phone and were very quick to get back to me with emails as well. They’ve handled any information that the creditors have for me and I don’t have to deal with them directly. They’ve helped a lot of the harassing phone calls and the papers that do get mailed from them. They’ve intervened with that and helped settle what they could with my account. So far, they’ve been very satisfactory in helping me with the stress that debts can give and just relieving a lot of anxiety that it can cause.

I was about to either go file bankruptcy then or take debt relief route, and this route seemed to pay off my debt sooner and with a lot less hassle so I took it. There was somebody online from California that had Pacific Debt in a list of people that he would take debt to, and the Better Business Bureau gave them a high score so I went with them. After we've dealt with them, we felt like they have been able to do it, and so far they’ve reduced down my debt. I've had a good experience with them however, we're dealing with a lawyer because there was a part of debt to a Credit Union that we couldn’t re-assume and I have to pay through them. They treated me like a criminal so I was forced to do it. If I don’t retire in three years, I'll start losing $60 a month because I have an annuity so I'm trying to get everything caught up by then. So, with the grandkids at the house and everything else, we needed to get to a budget.

I’ve worked hard my whole life and was trying to avoid bankruptcy. I worked for the post office, but when all the post offices started closing down, I lost over half of my income. I was a single mother of two children, and I was very stressed before contacting Pacific Debt. But now, it feels better that someone’s actually taking care of those things for me, but it's still very expensive for me to make those payments. $800 a month is a lot just to pay in one lump sum for four years so it’s still very stressful to me. It was also very stressful and annoying when they would have someone try to work and take care of the situation, phone call after phone call. I'm not supposed to have my phone at work, so I had to turn it off. But then I didn't know if someone from my family would call me. But once we got through that, they helped a lot and the phone calls stopped so that was a relief.

Initially, I was skeptical about what was going to happen when I was figuring out who Pacific Debt was. I asked about how things work and they shared with me what they were going to do and how they were going to do it. I felt very comfortable. Pacific Debt has improved my life. We're still working on what I got myself into, but over 60% of what I had indebted is gone, so far, and I'm very happy with that. Also, anytime I called, they either answered or put me through whatever number that I had for their division or I would leave a message and they'd call me back within an hour to three hours.

Our experience with Pacific Debt has been positive. We have been kept up to date on the progress of our settlements and the standing of our account. Our account representative answered our questions quickly and made sure we understood completely.

I was going through a divorce, wound up with a ton of debt and I didn't know how to get out of it. I went on Google, read a few reviews and then I contacted Pacific Debt. The part on their website where people set up their accounts and stuff is very easy to understand. The people at Pacific Debt were easy to get in contact with. Their customer relation is really good. They didn't try to talk over my head and they're very patient. They made the whole process very painless and simple to understand.

Pacific Debt has been wonderful. I've had no issues or problems whatsoever. They have worked with us greatly. They have taken all our accounts and we got better settlements on them than what we expected. The counselor that I'm working with is really good and tells me everything that's going on. Hopefully, if this continues, we'll get out of this before the four years that we first set.

It's hard to be drowning in debt. Pacific settled all of my credit card debts pretty good and handled making payments on everything for me. And if I had a question, my credit advocate always answers the problem right away every time.

I was torn in the beginning because in all of my life, I paid my bills. And I was feeling guilty, I don’t know if I can do this and I’m not getting out of the hole. Then when I spoke with Pacific Debt, they made me feel like, “Bonnie, you are paying. You are just not paying all those ridiculous fees that they keep charging you month after month, knowing that you’ll never get out of this.” And then I felt better. I’m really glad that I did it. And they’ve been very helpful and always there for me.

Just signed up. The company hasn't done much for me yet but I'm very confident they will. After a few months I will post another review with an update. The two sales people I spoke with were very helpful and left me feeling secure with my decision to trust this outfit with my debt problems.

We were referred by a family friend as they saved them over $50,000 in debt and couldn't say enough good things. We luckily don't have anywhere near that much debt and feel we made the right choice. We were educated on our options and have already received two settlements. 4 more to go and it's time to celebrate. Thank you Pacific Debt.

Josh has always conducted himself with the utmost professionalism and been extremely thoughtful in explaining how the process works. He worked wonders to get my largest debt reduced by nearly 50%. Very professional and polite service. Thank you for your expedient processing of this reduction and your continued support.

I've been happy and unhappy with Pacific Debt but I'm in it for the long haul now. I have a lot of bills left and I'm just trying to get through this with Pacific because I signed a contract with them. I liked them at first and they started out real good. However, I wouldn't recommend them to anybody. It seems like such a long process and they don't send me any receipts to tell me what's been paid and how much they paid for them. They sent me paperwork but they got a number there that doesn't match my credit card number and sometimes the name is even different because somebody else has bought the credit card bill. I know they're screwing me but I got to go along with it. I'm in the dark and it's not fair.

Shonna ** has helped me with my debts by negotiating realistic payoffs. She has been extremely helpful to me, explaining everything as we went along that long path to pay off debts, and is very kind and understanding. I would definitely recommend both Shonna and PDI to anyone who needs financial guidance to pay off their debts. I was always kept informed, always treated with respect and kindness. I was scared when I first started with PDI but Shonna eliminated all my fears. PDI has a gem with her as their employee.

Steven has been very helpful and patient. I say patient because I am in TX and cannot have private conversations at work so between my work hours and the time difference he had to wait on me. I am quite frustrated this morning. This has nothing to do with Steven. My cell is listed as the primary contact but someone called my home number this morning and spoke with my aged father who was not, but is now, aware of my situation. I called and had my home phone number removed from my file. I anticipate a healthy relationship. Thanks.

Kim ** has been wonderful to work with and I'm lucky she is on my team! She has made this process much less painful than I anticipated. I look forward to more resolutions and highly recommend Pacific Debt. Thanks Kim!

Unfailingly personal yet entirely professional, Kimberly **, of Pacific Debt, is everything one could wish in a representative who interfaces with institutions/organizations on behalf of clients. The work of Pacific Debt is serious and important. It could not be in better hands. Ms ** is prompt and thorough, communicating efficiently whenever one-to-one contact is necessary, whether in print or over the phone. Her concern with, and command of, every transaction are a source of confidence and trust on my part, and I confidently assume that she provides the same level of support for all of her clients. Pacific Debt is excellent at resolving problems, and Ms ** is a key component of that excellence. Both her employer and her clients can have absolute confidence in her skills, and both should consider themselves fortunate for their dependence on such a reliable and effective representative.

Eric was very knowledgeable and very helpful. He took the extra time to explain and answer the questions that I had. He was extremely polite. Eric is one that will put you at ease immediately. He explained all the documents and answered any question that I had with each document. He gave me his extension in case I had questions further in the process and said I could contact with any questions I might have at a later date.

Brian was really helpful. He called and kept me updated on all the accounts. It was a pleasure to work with him. He was very thoughtful helping me with the computer. I am very satisfied with your company and the results that were achieved. I would recommend you to anyone.

Pacific Debt Inc. and Account Manager Josh ** played such an important role in helping me with debt consolidation. During the process, they were always available for consultation and played the intermediary role between myself and the creditor with ease and skill. As long as I made the required monthly payment, I had peace of mind. Thanks to them, I finished the program and am debt free.

Mr. ** has provided me with fast, efficient, and prompt service. I would highly recommend his services to anyone who I know is in trouble. I have three more accounts left and can only hope he can handle these as quickly and with the same agreeable ending. Thank you Armando.

Pacific Debt has helped me to get my financial act together and get some severe debt negotiated down and paid off. The professionalism and kindness I was shown was tremendous, and very much appreciated. This kind of service is very necessary in these hard times, when people get backed into a corner and have no way out. Thank you.

Very good experience. Steven made the process very easy and helped put my mind at ease. I am glad I was able to find this service and feel confident that it will help me get back on my feet again. He took the time to go thru everything with me and made sure I understood the whole process. It's nice to see that he takes ownership of his clients.

A positive and comforting experience during a difficult time. Pacific Debt will make your life easier. I can't stress enough how professional they are, how much they care about you and how much they are willing to protect your interest.

I have been in the program for about 6 months or more. Shonna **, my account manager right now has made settlements with 3 out of four of my credit card companies. I would recommend this company to anyone needing help becoming debt free from credit card companies. I was skeptical at first like most would be, but I did look up reviews and tried to pick the one company that is not a scam as so many are. Believe me they are the real thing. Yes you still pay monthly to this company but then they use that money towards paying them off once a settlement is reached. Usually a lot less than what would have been owed. I am so grateful to be on my way to becoming debt free within another year or so.

Experience was excellent. Josh ** was excellent. Would recommend to friends. Was kept up to date frequently and was able to contact PDI quickly. I would recommend PDI to others with similar circumstances I had. There is nothing more to say.

Shonna has been a godsend to me. When I was feeling the most hopeless about my financial situation, Shonna showed me there was a light at the end of the tunnel and it wasn't a train! Although I was apprehensive when the process was first starting, she was honest, answered all my questions, and addressed my concerns. My comfort level increased exponentially, and I can say this has been a great decision. Shonna continues to work with me when I need some flexibility. Her continued support is much appreciated. She needs to be picked as the winner of your contest!!! :-)

PDI has been honest from the start of my program. The program took about 180 days before I started seeing results. All the people worked hard to help me achieve my goal of being debt free. I would recommend this company to my friends. Great job PDI!

I was not to sure about signing up because of the personal information I had to provide. Rian did a great job on keeping me on track and setting me up with a comfortable payment arrangement. He was very direct and knowledgeable about the process.

I had a great experience going through this process. Everything was clearly explained and well defined. The process was very simple to complete and the staff is very helpful. I was called back with a great rate for debt consolidation and I am very grateful for this.