Last Updated: 04/25/2025
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Pacific Debt Review
Key Takeaways
- Minimum debt balance of $20,000. Pacific Debt is recommended for clients who have a total debt balance of $20,000 or more.
- ACDR and IAPDA accredited. Pacific Debt is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
- Well-established company. Pacific Debt has been in business for 24 years.
- Only considers unsecured debts. Pacific Debt will only settle unsecured debts. These include credit card accounts and personal loans.
- Available in most states. Pacific Debt is available in 36 states, and Washington, DC.
Pacific Debt Pros & Cons
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Pacific Debt FAQ
What does Pacific Debt do?
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Pacific Debt charge?
Does Pacific Debt offer a guarantee?
What is the minimum debt Pacific Debt will consider?
Pacific Debt is recommended for customers with an unsecured debt of $20,000 or more. Customers with less than $20,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does Pacific Debt perform its own servicing in-house?
What accreditations does Pacific Debt have?
- Pacific Debt is an accredited ACDR member.
- Pacific Debt is an IAPDA member.
Is Pacific Debt Inc a legit company?
Pacific Debt Disclosure: *Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825.
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