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Last Updated: 04/25/2025

Pacific Debt

in Debt Help from Pacific Debt Inc

Last Updated: 04/25/2025

Strongly recommended8 total votes

8 users recommend

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Highlights

Community Rating

Strongly recommended

Minimum Debt Owed

$20,000

Settlement Fee %

15% - 25%(Verified 06/21/2024)

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Monthly Service Fee

$0(Verified 06/21/2024)

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Number of Reviews

Pacific Debt Review

Pacific Debt is a debt settlement company based in San Diego, CA. It offers debt relief services to borrowers in 36 states (and Washington, DC). Founded in 2002, it is a well-established company that has been in business for over 20 years.

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

Pros

Cons

A+ BBB Rating
22+ years in business.
Lower than average fees
No monthly consultancy fee
Has access to IAPDA accredited debt specialists
AADR member

Recommended for clients with a minimum debt balance of $20,000 or more.

Pacific Debt FAQ

What does Pacific Debt do?

Pacific Debt offers debt relief services for the following types of debt:

Unsecured debt, such as credit card debt, medical debt, and personal loans.

What does Pacific Debt charge?

Pacific Debt charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Pacific Debt only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.

Pacific Debt settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.

Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Pacific Debt for an accurate quote.

Does Pacific Debt offer a guarantee?

Yes, Pacific Debt does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with Pacific Debt Inc for more details on their 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?

Yes, Pacific Debt employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Pacific Debt have?

The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).

Pacific Debt is an accredited ACDR member.
Pacific Debt is an IAPDA member.

Is Pacific Debt Inc a legit company?

Pacific Debt Inc was founded in 2002, it is a well-established company that has been in business for 24 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Pacific Debt

Since 2002, Pacific Debt has settled over $300 million in debt for thousands of clients. Pacific Debt Inc supports consumers who need credit card debt relief, personal loan debt relief, credit union debt relief, and other types of consumer generated debt. We pride ourselves on being the most-consumer friendly debt relief option, always focused on maximizing debt settlement results and living up to our reputation as the nation's most consumer friendly debt relief company. If you have debt and would like to see your options, we invite you to discover how much you can save just by answering a few questions. Join over thousands of debt-free customers and learn what Pacific Debt Inc's Debt Relief Program can do for you!

Contact

Headquarters

750 B St. Suite 1700

San Diego, CA 92101

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:00AM - 6:00PM

Tuesday

8:00AM - 6:00PM

Wednesday

8:00AM - 6:00PM

Thursday

8:00AM - 6:00PM

Friday

8:00AM - 4:00PM

Saturday

9:00AM - 12:00PM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Pacific Debt Community Reviews

Would you recommend Pacific Debt to your friends?

Matt P.

Dec 1, 2020

May or may not recommend

Pacific Debt Debt Settlement companies is a reliable debt settlement service provided by Pacific Debt. With a BBB rating at A+ and an AFFC certification there is no doubt that the company is reliable for debt services. Its a top ten rated company on the popular site toptenreviews and has a 4.6 star rating on google. Offering customer fast and quality service with their debt programs, this company is a ...Show More

Jamie E.

Oct 4, 2019

May or may not recommend

Helped minimize big debt and made monthly payments affordable. Fantastic customer service and and communication.

Sara R.

Jun 21, 2019

May or may not recommend

I've signed up with Pacific Debt a bout 5 months ago and so far I'm happy of the progress. The company and the Client Success Manager have been a pleasure to work with. Have't settle any of my accounts yet since it is a bit early in the process but they are very prompt and organized in following up and keeping everything current and on top of things.

Ryan S.

Jun 4, 2019

May or may not recommend

I have been a client of Pacific Debt since the end of 2017 - here I am 2 years later and almost finished paying off my credit card debt. Many of the Priority Team members have done much to educate about paying off my debt & advising me as to how I need to move forward. Out of all the agents on the team, Brian LoBianco has done an amazing ...Show More

Anonymous

Jun 1, 2019

May or may not recommend

PDI gave me confidence that I made the right decision to consolidate all my accounts. They have wonderful staff members whom are very active in making sure you are on the right track.

Richard O.

Jun 1, 2019

May or may not recommend

Julia is awesome always helpful and positive. I’m glad she’s on your staff. Thank you

Anonymous

May 22, 2019

May or may not recommend

Julia is wonderful and kept me informed through the entire process. Highly recommend

Anonymous

Jun 20, 2018

May or may not recommend

Service was excellent. My Account Manager was most helpful, informed, non-judgmental. Your staff prior to signing up were all completely profession, informed and made access to your program easy. Luis ** was my manager. I would have made a recommend on another site provided, however I could not navigate. This was a success for me. Thank You.

Showing 8 of 8 reviews