Pacific Debt Relief Reviews

The staff at Pacific Debt Relief, especially Jill **, took the time to explain the whole process, describe all the options available, and after we signed up, followed up with me every month with updates on the progress of our account. We had no issues and everything went as planned. In the end, we saved roughly 50% of the credit card bill and when you factor in the Pacific Debt Relief fee, we were still financially ahead of the original credit card bill.

Julius ** is my new hero! I am a teacher and the summer can get really tight financially. He could have told me that I had to pay the full amount on schedule, but instead he took the time to do the math, see if adjustments could be made etc. We came up with a payment plan that would work for both of us in the end. In the past, I have worked at a customer center call center and I know that there are those who are ready for the next call and those who are dedicated to helping others. He went above and beyond and I just wanted to say how much I appreciated it.

I have had this company taking care of my debt for three to four years. Their staff has always been very courteous and straightforward. They also have been tedious in getting rid of my debt. I recommend Pacific Debt Relief to anyone and everyone who has a debt problem. I want to graciously thank the whole staff in taking the time to explain this program to me. Love all of you for a job well done. My debts will be fully paid in April of 2027.

I'd like to recognize Pacific Debt Relief as a great company to work with and they put a plan together for me to make my financial life easier to manage. Pacific Debt Relief is not just a Team, but they felt like a Family. I want to personally thank the people below. Quinn ** (Senior Debt Specialist): You worked so very hard to put a structured financial plan in place that I could manage. I didn't feel like I was working with a Salesman, but someone who genuinely wanted to help me get back on my feet and live a quality of life. Marcella ** (Client Success Specialist): Thank you for helping me understand the Websites Dashboard of my accounts and how to navigate to find and understand how everything worked. You're very patient and customer service driven.

I highly recommend Pacific Debt Relief. They are true experts in their field and deliver exceptional service. From my very first online inquiry, their team was incredibly fast, pulling my information and suggesting a customized repayment plan within minutes. What stood out most initially was their empathy. I called in feeling incredibly embarrassed and apologetic about my financial situation, but the staff was exceptionally kind. They never shamed me; instead, they made me feel supported and ensured I never felt pressured to commit to more than I could actually afford. They worked closely with me to make sure the monthly payments fit comfortably within my budget.

I was overwhelmed with debt, even with two jobs and selling a car to try to fix this, the people at Pacific Debt Relief are great, they explained everything, they lead the way and I've been really relaxed since entering the program

I have now been sued twice while enrolled with Pacific Relief. Do not use this company. They make they get their money before settling any of your accounts. Total scam.

I had a problem with my account and Julia reached out to me and checked my account for me. She got back to me and took care of all my concerns. Thank You Julia!!! I recommend Pacific Debt if you are drowning with high interest credit cards.

Worst decision was to go with Pacific Debt.. They pay themselves the portion they saved you on settlement.. Outrageous prices for a senior on fixed income that has been thru hardship for last 5 years.. I feel taken advantage of..

In early 2025, I made the decision to enroll with Pacific Debt—a choice driven by careful research and the exceptional guidance of their knowledgeable enrollment team. At the time, my wife and I were facing overwhelming financial challenges, including job loss and mounting medical bills for a family member. These hardships left us with $82,000 in debt. Fast forward one year, and we are completely debt-free—saving over $20,000 in credit card payments. We owe this incredible outcome to the Pacific Debt team and our amazing negotiator, Suzie **, who truly delivered on every promise. From the start, they provided a clear, thoughtful strategy and maintained open communication throughout the entire process. They helped me understand all available options, and I never felt pressured—only supported. It was evident that Pacific Debt had our best interests at heart.

Pacific Debt has been wonderful. They have communicated with me through out this process. Everyone I have dealt with has been professional, knowledgeable and friendly. I just had a phone call with Julius. He is marvelous.... answered my questions and made sure I understood everything before ending the call. I recommend Pacific Debt 100%.

Julius Y. Was absolutely phenomenal. Went above and beyond my expectations. Highly knowledgeable, answered questions I had and some I didn't even think about until we were talking. Everyone that deals with customers should be like him. If they were, customer service would be great everywhere.

Mr. Cristopher ** was very pleasant and nice to talk with during my call. He explained everything very clearly and took the time to ensure I understood everything he was saying to me and answering all of my questions. I have been very happy with Pacific Debt from the start as they all have been very clear about how everything is going.

Like many people, I found myself in way over my head in debt. I survived a tragedy that plunged me into debt, and I didn't know what to do. I researched and reached out to several companies, and when I found Pacific Debt Relief, everything changed. It started with a great phone call with a man named Quinn and then another with a wonderful woman named Jenn. Being overwhelmed can make everything seem so difficult and often hopeless. Quinn and Jenn explained the entire process to me with patience, complete transparency, and the assurance I so desperately needed that everything would be ok.

As like everybody else, I’m very nervous about going through this process and I was just on the phone with a gentleman named Julius, who helped me very much and calm me down and put everything in order and helped me with my account. I am very satisfied with his help. I would recommend him for anybody.

Julius was so incredibly kind and helpful. He’s set up time in the future so that we can discuss further concerns at a later date. It is so incredibly helpful to have a person to talk to who is thorough and knows my specific situation - always kind and nonjudgmental!!

I had looked into this "A+ BBB" rated company and it all looked great. I started the program and I did EVERYTHING they asked of me. From reporting monthly statements, all the way to reporting collections letters from the creditors. My issue with this company came months later. At the end of the program, my DISC. Personal Loan was settled at 27k. Pacific Debt Relief pressured me into getting loan to now pay off my debts. Wait, What?! By me not paying my credit cards and personal loan, my credit was shot!!! The best interest rate that I could conjure from the bank was 25.29%! I had no idea that I would HAVE to get a loan at the end of this. My account manager told me "Yes, this is how you get out of the program". These words ring in my head to this very day!!

My conversation with Mr. ** today was helpful. He was very pleasant and updated me on the next step of the process going forward. It put my mind at ease to know more negotiations will occur soon. I'll admit; this whole process from the beginning has had my anxiety on high alert, but everyone I've spoken to at Pacific Debt Relief has been very courteous and informed, which was very reassuring to me. I've prayed over this from the beginning. I feel bad that I had to take this route with my debtors, but I do not think I could've found a better company to help me through this process. God bless you. Thank you.

Jenn ** was a wonderful, professional, articulate and Friendly. She made me feel like I'm certainly making the right choice for myself at this time. I would recommend her Highly. If anyone is struggling, Try This first.

Pacific Debt Relief helped me change my life and take back control. I have completed the program while rebuilding my credit along the way, and now I’m debt free WITH a good credit score! The Support Teams/Account Managers are wonderful, especially Jill who helped me multiple times. Every time I called with a question before, during, and at the end of my program, it was a pleasant experience. Their teams really care about me and it shows in their delivery of customer experience! If you are considering a debt relief program, PLEASE chat with Pacific Debt Relief!!

My experience with PDR was stellar. The onboarding process was easy and everyone was nice, supportive and extremely professional. I especially liked how some of the representatives humanized the experience sharing their own experiences with debt relief. I highly recommend PDR to anyone who is having financial challenges causing overwhelming debt. I truly felt like a valued customer. Thank you PDR!!!!

Hi, Let me begin by saying that Pacific Debt Relief is one of the most amazing companies that I have ever dealt with. Financial hardship due to chronic illness or any other unfortunate occurrences is devastating. My entire experience with PDR has been incredible. The representatives are empathic, kind, sympathetic, knowledgeable, friendly, helpful, efficient, etc. I can go on and on. This company is a welcome source of refreshment. I am so incredibly grateful for them. I would recommend them to anyone who is facing horrendous or even minimal debt. Their great and definitely provide that light at the end of the dark tunnel that debt can bring!!

I can't say enough good things about how a difficult, stressful situation was handled with understanding and professionalism. Richard & Jenn went out of their way to make me feel that I made the right decision to go with Pacific Debt- they listened, were patient with all the questions I had and left me with the feeling that I will have the opportunity to start over

I'm happy that I have Pacific Debt Relief in my corner! The past couple of days I've been working with Frederick and he's been wonderful, patient and understanding! Thank you, Frederick and all Pacific Debt Relief team!

I have been working with Pacific Debt Relief, and I am so thankful I did my research and came across the best company to work with. Tom was wonderful to get my process started. I now have been working with Brittany ** and she is one of the best ever for customer service. She will get right back with any concern or questions you might have. She is very knowledgeable and helpful and kind, all at the same time. Pacific Debt puts your mind at ease.

Michael was a true professional. Everyone in this company has been great with service but he went above and beyond to explain where exactly I was in the program. I didn’t feel like I was just another phone call. Can’t recommend this company enough.

I never thought being in Debt could be so stressful, but PACIFIC DEBT Has helped me through it WAY ABOVE EXPECTATION! I had tried two other Debt relief companies before and felt like I had struck out twice and had one more left 😥

I was hesitant at first. In my hands the debt was out of control. Covid limited my income. Eventually interest was high, the payments were high. With Pacific Debt's guidance I now have better credit. I have worked out a budget to save money and pay it towards the debt. For me my experience was a savings of 45% to 50% with the settling of the final payoff number. This program brought me freedom from what was a heavy burden! Thank you PD and Michael **! Laura

I would like to recommend Pacific Debt to anyone. I have been with them for nearly a year and so far I'm very satisfied. The only thing you have to do is send them any letters that you receive from your creditors and of course make sure you have enough funds for the withdrawal. They will take care of the rest. Also, they are very understanding and they will work around your paydays. I honestly being with them is a peace of mind. The process to me is easy and simple to understand and follow.

Well there is good and bad. Good news is it wasn’t going to be financially wise to go through with this. BAD news is even after I was told I was canceled they still charged me making my account negative. Twice they tried to charge me. Twice I was given a NSF fee of $36 total $72. They are refusing to pay the fee they made me acquire! And it was a bit of a wrestling match to get back all the fees they charge to do this. And I only got them to agree to refund (but not yet received) this fees because I explained had I been sent the requested documents I asked for not once not twice BUT 3X we never would have got to the point of these fees being paid for. They wanted to pay off debt that is about to fall off my credit anyway.

Many years ago I did one of those online credit help surveys. Pacific Debt reached out to me. I had a credit card that was out of control due to fraud that I didn't catch and the bank refused to reimburse. Pacific debt had me set up a second chequing account and use that for their pre auth. I believe they withdrew 70 bucks a month. I was under the impression this was going to pay the debt but it wasn't. The CC company took me to court. I asked PD what they were going to do and they said they would handle it. Next thing I knew my paycheques were being garnished because they didn't do what I was told they would do. The day I was garnished I went to a local company and immediately the garnishment was stopped and they made a fantastic deal on the debt. Pacific debt took my money and did nothing for me. It was later on that I realized they lied to me and don't actually deal in Canada. I tried making complaints but my agent kept changing.

Jenni provided Exceptional Customer Service where she consistently provided to me what I needed! Not only that, but she maintained a positive and professional attitude, even challenging me to provide more information to help me with understanding future situations and helped resolve my financial issue efficiently and effectively, leading me to write this evaluation of Jenni’s professional capability! I am Satisfied! Jenni has Strong Communication Skills and actively listened to my needs and responded with clear, concise and helpful information. Give Jenni a PAY RAISE!

Someone from Pacific Debt Relief actually read my review and contacted me! Very nice lady who listened to what I had to say and answered every single question I had!

I was very wary when researching for companies to help me with my debt. But if you have come across Pacific debt, thank the Lord because you are in great hands!!! From the very first call to my first settlement, they have walked with me hand-in-hand through the whole process. In the beginning, I felt like my debt was crushing me. It was literally the first thing I thought about when I woke up until I went to bed. Now, I’m worry-free because they helped me set up a plan to get out of debt, AND IT’S WORKING! So thankful for Pacific Debt.

Pacific Debt Relief has helped me and my husband finally see the light at the end of a dark tunnel that has been consuming us since 2022. We just started with this company in December 2024, here it is January of 2025 and this company has already helped make debt solution seem easier. They call and check in every month just to see how everything is going and to answer any questions you may have no matter how insignificant you feel the question may be. My husband and I no longer feel that this is a never ending battle that we can't get out of. We highly recommend Pacific Debt Relief to everyone who is feeling like they are in a never ending battle with Debt!

There is always this fear or stigma around who to trust when you are in a vulnerable financial position. I have nothing but praise for the entire team at Pacific Debt. From my first interaction and throughout the entire process it has been great. Even when I had a major life change and needed to pause my payments, they were so understanding and worked with me. They all communicate and are there to support at any time as well. I highly recommend them and it feels good to have a team behind you doing all the work.

I was so nervous to apply for this program and the initial interview went well, still hesitant this program was real I then continued with the process with confidence. Carolyn R. was amazing and helped me along the way. She was so great to work with. Thank you so much and now I’m on my way to work with negotiations.

Eric B has been nothing short of amazing with us! He’s so receptive and helpful! This process was a breeze with him and I am so happy that he was able to support us along the way! I would highly recommend looking into this program.

Pacific Debt Relief is a very professionally run and friendly company. They have been there for us and kept us informed to this point. I rate their services very high. Irma M has been very reliable and dedicated to us and I look for the same throughout the settlement time period.

My experience with Pacific Debt Relief over the last year and a half has been incredible. I feel safe and assured as a customer. Despite the huge debt I accumulated after being scammed two years ago, I found comfort and support from the agent, Robin. Together we worked out a monthly payment plan that brought me happiness. I am truly grateful to be a customer of Pacific Debt Relief. They treat you like a family member. Julia has been an incredible source of support, helping me navigate through the challenging early months of my trauma. Now, my debt is steadily decreasing, and my score has seen a remarkable improvement. I couldn’t be happier with a Debt Relief Program than Pacific debt relief.