Pacific Debt Relief Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
+1 more
About Pacific Debt Relief
Pacific Debt was founded to help consumers address unsecured debt. Today, the company is an established provider in the debt settlement industry. It works with clients to negotiate and reduce qualifying debts, typically focusing on unsecured accounts like credit cards and personal loans. While Pacific Debt emphasizes customer support throughout the process, experiences can vary depending on individual circumstances.
- Free consultation
- No upfront fees (performance-based model)
- Focus on unsecured debt relief
- Fees can be high (up to about 25%)
- Not available in all states
- Customer reviews are mixed
Helpful Reviews
What is Pacific Debt Inc.?
Pacific Debt Inc. offers debt settlement services for consumers looking to reduce unsecured debt. The company has been in business for over 20 years and is a member of the American Fair Credit Council (AFCC), a trade association for debt settlement companies. Its services are designed for individuals experiencing financial hardship and considering alternatives to bankruptcy.
How does Pacific Debt work?
To get started, you complete a free consultation to review your financial situation. If you qualify, you enroll in a debt settlement program.
Once enrolled, you make monthly deposits into a dedicated account. Pacific Debt then negotiates with your creditors to settle debts for less than the full amount owed. Fees are typically charged only after a successful settlement. Program timelines vary, but many take several years to complete.
Pacific Debt services
There are several ways to deal with overwhelming debt. Pacific Debt primarily focuses on debt settlement and may provide general guidance on other options:
- Pacific debt settlement: If you have a lot of unsecured debt and are struggling to make minimum payments, Pacific Debt works with your creditors to try to reduce the total amount you owe. Each month, you deposit money into a dedicated account, which is later used to fund negotiated settlements.
- Financial guidance: Pacific Debt may provide general information about managing debt, including budgeting strategies and alternative options such as consolidation or bankruptcy. However, these services are not typically offered directly through the company.
FAQ
How much does Pacific Debt cost?
Costs vary by program, but debt settlement fees are typically based on a percentage of enrolled debt or savings. Industry averages generally range from 15% to 25%, and fees are usually charged after a successful settlement.
How does Pacific Debt affect your credit?
Debt settlement can negatively impact your credit score, especially if you stop making payments or settle debts for less than the full balance. However, resolving delinquent debt may help improve your financial position over time.
What types of debt does Pacific Debt handle?
Pacific Debt focuses on unsecured debt, such as credit card balances, personal loans and some medical bills. It does not typically work with secured debts like mortgages or auto loans, which are backed by collateral.
How long does Pacific Debt’s program take?
Debt settlement programs with Pacific Debt typically take between 24 and 48 months to complete, depending on the amount of debt and your monthly contributions. Some accounts may be resolved sooner, while others can take longer based on creditor negotiations and individual circumstances.
Still have questions?
Do we recommend Pacific Debt?
Pacific Debt may be an option for consumers struggling with unsecured debt who are considering debt settlement. The company offers a structured program and has industry experience, but fees can be high and results vary. As with any debt relief provider, it’s important to compare options and understand the potential impact on your credit before enrolling.
Pacific Debt Relief Reviews
Filter by Rating
- (440)
- (87)
- (35)
- (10)
- (11)
Popular Mentions
- 4,882,793 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,882,793 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Updated review: May 14, 2026
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.
Original Review: May 6, 2026
I was told that all credit cards would be paid off by June 2026. Now I'm being told to call back in July but they probably won't be paid off until December. Another 6 months is killing me financially.
Reviewed March 10, 2026
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..
We're sorry to hear that you were disappointed with your debt settlement program. Our Director of Client Experience has left several messages, in the hopes of connecting with you. We do charge a fee for the work that we do and we are transparent about our fee. If you view the minimum payment warning on your creditor statements, you'll see that our program does save our clients a lot of money and time. We hope to hear back from you soon so we can directly address all of your concerns. Thank you!
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed Dec. 31, 2025
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.
This commitment became even more apparent when we encountered a hurdle during the final stretch. Faced with unexpected additional costs, Suzie went above and beyond to advocate for us, resolving the issue and ensuring we could successfully complete the program—years ahead of schedule! I cannot thank Suzie and the entire Pacific Debt team enough for their dedication and expertise. They turned a stressful situation into a life-changing experience. I highly recommend Pacific Debt to anyone seeking financial relief and a path to true financial freedom.
We're honored that you put your trust in PDR and we're thrilled that you can now truly experience financial freedom! Happy New Year!
Reviewed Dec. 17, 2025
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%.
Dot R.
Reviewed Dec. 5, 2025
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.
Reviewed Nov. 20, 2025
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.
Thank you so much for your review of our company and of Cristopher! We absolutely believe in taking time to ensure all aspects of our debt settlement program are understood. Should you have questions moving forward, please reach out to Client Success, via phone, so we can help! Financial freedom is on the way!
Reviewed Aug. 22, 2025
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.
Jenn, especially, was incredibly generous with not only her time, but with her own experiences. She knew what I was going through. She patiently answered every question, even the ones my nervous self repeated, and she told me step by step what to expect. That is supremely important because Pacific Debt is truly a team, and you will have contact with several people. They are all on the same page; they are all on your side.
I started this program only a couple of months ago, and the peace of mind it has given cannot be bought. Now, when I get letters or calls from my creditors, I know what to do, and I know it's being taken care of. It frees me to focus on rebuilding my life. This is by far the best decision I have made in about 10 years. Debt, as common as it is, is a very personal thing. Jenn made sure that helping me was equally personal. It is going to be a process. No one tries to pretend that it isn't. But now I know that it is manageable, doable, and I have the best people on the west coast helping me through it.
I am so grateful to Jenn, Quinn, and everyone on the team. They have shown me nothing but respect, kindness, and complete competence. Their experience and expertise are evident. They know what they are doing, plain and simple. Making that first call is hard, but I promise by the time you hang up the phone, you will be breathing again and your future will finally look brighter. Give them a try for your own sake. You owe it to yourself to get another chance. The result will be better than what you had hoped. It was for me. Your debt won't magically disappear. As I said, it's a process. Your burden, stress, and sleepless nights, however? Those will magically disappear. I am forever grateful to Pacific Debt.
Reviewed Aug. 20, 2025
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.
Reviewed Aug. 12, 2025
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!!
Reviewed Aug. 11, 2025
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!!
So here I am, August 2025, with a 33k loan at 25.29% interest and practically in the same boat that I was in, if not worse?! I am on the verge of filing bankruptcy. I was once treading water and slowly sinking looking for rescue and I thought PDR was my savior. They were not! Please, do your research. Ask these companies difficult questions! Most of all, ask them if you are REQUIRED to get a loan at the end of the program? Ask them will they be a stand up debt relief program that you pay your monthly payment to WITH 0% INTEREST?? (That is what is supposed to happen at the end of the program btw).
Ask for transparency. Yes, PDR negotiated my debts... Yes, They offer legal backing if I was taken to court... But it was at the end that I fell victim. I'ts your credit and finances at stake. Don't let this company put you in the same situation that they put me. Ask other companies. Shop around. Find the right one. Good luck to you all.
Pacific Debt Relief Company Information
- Company Name:
- Pacific Debt Inc.
- Company Type:
- Private
- Year Founded:
- 2002
- Address:
- 750 B St., Ste. 1700
- City:
- San Diego
- State/Province:
- CA
- Postal Code:
- 92101
- Country:
- United States
- Website:
- www.pacificdebt.com