Pacific Debt Relief Reviews

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.

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.

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.

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 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 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.

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.

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.