Pacific Debt Relief Reviews

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Pacific Debt Relief, a recommended program by Solosuit, negotiates debt settlement on behalf of consumers with money saved to make a lump sum payment. The company typically accepts clients with over $10,000 in unsecured debt and charges a fee of 15–25% of the settled debt.

If you are looking for a way out of unsecured debt, you may have heard about Pacific Debt Relief. The company has received excellent reviews from satisfied customers.

In this article, we’ll break down everything you need to know about Pacific Debt Relief before signing up for its services.

Is Pacific Debt Relief legit? What do its customers think?

Yes. Pacific Debt Relief, or Pacific Debt, Inc, is a legitimate debt relief company based in San Diego, California. It has been in business since May 2002 and serves 29 states, including Washington, DC.

Pacific Debt Relief has been accredited by the Better Business Bureau (BBB) since 2010, and the company itself has been in business for 21 years. The BBB gives the company an A+ rating, the highest possible.

Customers on Google are largely happy with the company. As of May 2023, Pacific Debt has a 4.7-star rating on Google out of nearly 200 reviews, and it has 4.93 stars on BBB out of more than 1,000 reviews.

It’s pretty evident that Pacific Debt Relief is a consumer favorite for settling debt, especially considering the fact that they have only had to close three complaints on the BBB in the last three years.

The following section explains what you should know before signing up for the Pacific Debt Relief program.

How does Pacific Debt Relief work?

Consumers enroll debts into a program that aims to pay accounts off for much less than they owe. For example, if you owe $20,000, Pacific Debt Inc aims to settle for as low as half the amount.

The company works out monthly repayments that you can afford. It opens an escrow account where you deposit that money instead of making payments to the creditor. Eventually, your account goes into collections (if it hasn't already).

After depositing enough money into the escrow account, Pacific Debt Inc makes settlement offers and accepts those favorable to you. They will continue approaching your creditors until you have zero balances on all enrolled debts.

Pacific Debt Relief’s program can take up to 48 months, and it costs 15%-25% of your total debt amount for its services. However, if it is successful, you will be out of debt and can start repairing your credit. Some features customers appreciate include:

You get a free consultation.
There are no upfront fees.
You get a personal account manager.
You may eventually pay less than you owe.

Let’s take a look at an example of Pacific Debt Relief debt settlement.

Example: Mike owes $10K in credit card debt with various companies and decides to enroll in Pacific Debt Relief’s program. Pacific Debt Relief negotiates settlement payments with his creditors and works out a settlement of $6,500 (or just 65% of the debt). After the accounts are paid off and settled, Mike pays Pacific Debt Relief a 15% fee of his total amount, or $1,500. So, in the end, Mike saves $2,000 and is freed from his financial obligations.

Now, let’s explore some points you should consider before enrolling with Pacific Debt Relief.

Pacific Debt Relief only works with unsecured debts, such as credit cards, deficiencies on repossessed vehicles, and personal loans. You cannot enroll secured debts into the program.
You must be at least $10,000 in debt. If you owe less, use SoloSettle and learn how to settle the debt yourself.
Pacific Debt Relief is available in 29 states and Washington, DC.
You will notice an initial drop in your credit score. Debt relief companies typically stop repayments to all creditors so that they can negotiate for settlement after you default. Defaulting causes your credit to drop because repayment history dramatically affects your credit score.
Pacific Debt Relief charges an industry-standard fee of 15–25%. Consider this amount when calculating how much you will save after settling.
Your creditors may not accept Pacific Debt Relief's offer. Some creditors refuse to work with for-profit debt relief companies.
You may be able to save more by settling on your own, but it will likely be harder.

Whether or not you need a debt relief company is a personal choice, so it’s best to be well-informed before you make that decision.

Pacific Debt Relief is a great option for settling a large amount of debt. Based on the customer reviews we examined, Pacific Debt Relief is legitimate, and most people have a great experience with them.

If you want to settle a debt but do not qualify for Pacific Debt Relief, try SoloSettle. You can use SoloSettle to settle debts of any amount and you don’t pay anything until it’s settled.

Check out this video to learn more about how to settle your debt on your own

Settle with SoloSettle

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