Pacific Debt Relief Review

Types of Debt Covered By Pacific Debt Relief

Pacific Debt specializes in helping clients repay their unsecured debts. If you have a mortgage or a car loan, for example, the company can’t help you settle or pay it off. Through its debt settlement program, you can receive assistance with the following:

• Credit card debt: Credit card debt is one of the most common types of debt. Pacific Debt may help you lower your principal balance, as well as any interest and late fees you have accrued.
• Personal loans: Personal loans offer the flexibility of covering virtually any expense, but you might find it challenging to repay the loan. Pacific Debt can help you find some relief from your personal loan debt.  Payday loans: While payday loans can help you out when you need some cash to hold you over until your next paycheck , they come with sky-high interest rates that can make them difficult to repay. Payday loans qualify for debt settlement with Pacific Debt. 
• Medical bills: Health insurance rarely covers all of your medical expenses. You may be dealing with high out-of-pocket expenses that turn into large medical bills. Pacific Debt can help you pay them off.

Pacific Debt Relief Service Features

• Breadth of services offering: While Pacific Debt partners with other companies to offer home equity loans and debt consolidation loans, it focuses on debt settlement. To get started, you can request a free consultation with a debt specialist. During the consultation, you’ll learn more about the program and find out whether you qualify.
• Geographic presence: As of 2022, Pacific Debt only offers its debt settlement services to residents in 29 states and Washington, D.C. The company may expand its reach in the future.
• Minimum debt: Pacific Debt’s program is designed for those who have at least $10,000 in unsecured debt. If you only have a few thousand dollars in debt, you’ll want to consider an alternative. 
• Average time for relief: Most Pacific Debt clients become debt-free in 24 to 48 months. This time frame is average in the industry.
• Average relief amount: If you follow its program closely, you’ll likely pay off about 50% of your enrolled debt balances before fees. Keep in mind that this is not guaranteed. our savings will depend on your debt amount, debt type, creditors, and dedication. 

  Breadth of services offering	Debt settlement with a free consultation, home equity loans, and debt consolidation loans
  Geographic presence	29 states and Washington, D.C.
  Minimum debt required	$10,000
  Average time for relief	24 o 48 months
  Average relief amount	50% of enrolled debts before fees

Pacific Debt Relief Costs and Fees 

• Fees: While Pacific Debt doesn’t charge any upfront fees, you will pay performance fees of 15% to 25% of your enrolled debt amount. Where you live and how much debt you have will determine your exact fees.
• Cancellation policy: Pacific Debt doesn’t mention anything about a cancellation policy on its website. You might want to ask about it during the consultation so you understand what will happen if you decide to terminate the program. 
• Money back guarantee policy: Some debt settlement companies promote a money-back guarantee that usually states you won't be charged until your debt is settled. Pacific Debt doesn’t advertise one.

  Upfront fees	None
  Settlement/performance fees	15% to 25% of total debt enrolled
  Other fees	None
  Cancellation policy	Not disclosed
  Money back guarantee policy	None

Pacific Debt Relief Application Process

Pacific Debt makes it easy for consumers to apply for its debt relief program. 

1. Click on the “Get Started” button to begin your free consultation. 
2. Next, you will share how much debt you have.
3. Pacific Debt will then ask if you are behind on your payments by 30 days, more than 60 days, nor not at all. 
4. Then, you will enter your state of residence.
5. Finally, you will fill out your first and last name, phone number, and email address. Submit your information, and a Pacific Debt representative will be in touch. 

Pacific Debt Relief Customer Experience

• Website extensiveness and usability: Pacific Debt has an informative website with clear information about its program and the states it services. There’s also a “Get Started” button that begins the consultation process. However, there is no online client portal. 
• Expanded call center support: You can reach Pacific Debt’s customer service line at  (877) 959-6945 at any time Monday through Thursday from 8 am to 6 pm PST and Friday from 8 am to 4:30 pm PST. 
• Multi-channel support: In addition to phone support, Pacific Debt can be reached via email at  inquiries@pacificdebt.com. You may also reach out to the company on Facebook, Twitter, Instagram, and LinkedIn. In addition, you can check out its blog articles and use its debt calculator to find out how long it may take you to pay off your debt.
• Mobile technology: From a technology perspective, Pacific Debt is a bit behind. It does not offer a mobile app like other debt relief companies. 

Pacific Debt Relief Trustworthiness and Stability 

• Years in business:  Founded in 2002, the company has provided debt settlement services for 20 years. 
• Customers serviced/ebt managed:  Since its debut in 2002, Pacific Debt has settled over $300 million in unsecured debt for thousands of clients.
• Accreditations/certifications: Pacific Debt is proud of its accreditations and certifications from the American Fair Credit Council (AFCC) and International Association of Professional Debt Arbitrators (IAPDA), which are both reputable in the debt relief industry. 

  Years in business	20
  Customers serviced/ebt managed	More than $300 million for thousands of customers
  Accreditations/certifications	American Fair Credit Council and certified with the International Association of Professional Debt Arbitrators (IAPDA)

Pacific Debt Relief User Reviews 

If you search the internet for reviews on Pacific Debt, you’ll find many positive remarks from current and former clients. The company has earned 4.9 out of 5 stars on TrustPilot as well as an A+ rating with 4.91 out of 5 stars on the Better Business Bureau (BBB). The company also has 4.6 out of 5 stars on Consumer Affairs. 

In addition, US News and World Reports and Bankrate ranked Pacific Debt as one of “The Best Debt Settlement Companies of 2020.” Most of the online reviews praise Pacific Debt for its  friendly, knowledgeable, and non-judgemental debt specialists who genuinely care about client success. They state that the debt specialists are always available to answer questions and address concerns. 

Of course, there are a few negative reviews.  A few of them warn prospective clients of high pressure sales and scare tactics. Some also mention difficulty with canceling the program and delays in response times. To avoid these issues, make sure you understand how the program works, what you’ll be charged for it, and how you can cancel in advance.  

Pacific Debt Relief Compared to Other Companies

Final Thoughts 

If you have at least $10,000 in unsecured debt and are struggling to pay it off, debt settlement from Pacific Debt might make sense. This is particularly true if you’re more focused on getting rid of your debt than on improving your credit score. You also have the option to work with a debt relief provider that does offer an online portal or mobile app.