Pacific Debt Relief is a debt consolidation company that has been helping people reduce their unsecured debts since 2002. They have an A+ rating with the Better Business Bureau, and they have helped thousands of people get out of debt. So, is Pacific Debt Relief a scam? Or is this company legit? In this Pacific Debt Relief review, we will take a look at the company’s history, services, and fees to help you decide if this is the right debt relief option for you.
The debt settlement company offers debt consolidation services for unsecured debts, such as credit cards, medical bills, personal loans, student loans, and more. They have a team of debt counselors who will work with you to create a debt consolidation plan that fits your budget. Once you enroll in their program, they will contact your creditors to negotiate lower interest rates and monthly payments. And, if you are struggling to make your payments, they will work with you to find a solution.
One of the things that set pacificdebt.com apart from other debt consolidation companies is its experience. They have been in business for over 20 years, and they have helped thousands of people get out of debt. Pacific Debt focuses on helping clients pay off their unsecured debts.
Another thing to note about Pacific Debt Relief is its fees. They charge a one-time setup fee of $49, and then a monthly fee of $39. This fee includes access to their online portal, customer support, and debt counseling services. Plus, there are no hidden fees or upfront costs.
So, is Pacific Debt Relief a scam? No, this company is not a scam. They are a legitimate debt consolidation company with many years of experience helping people reduce their unsecured debts. If you are looking for a debt relief option, we recommend that you consider Pacific Debt Relief.
Highlights
- Free consultation and no upfront costs
- You could save up to 35% after fees
- Easy to monitor your account online
Trade-Offs
- Pushy staff prone to rushing you into making a decision
- Some consumers save as little as 15% after fees
- You must also live in one of the states where Pacific Debt operates to use its relief program.
What is Pacific Debt Relief?
Debt relief is the act of reducing or eliminating debt. This can be done through various means, such as negotiation, settlement, or bankruptcy. Since 2002, The firm has helped more than 30,000 clients settle and resolve over $1 billion in outstanding debt. They are a leading provider of debt relief services and have helped thousands of people get out of credit card and medical debt.
This debt settlement company is best for consumers who are having trouble making minimum payments and are concerned about reducing the amount they have to pay.
There are many reasons why someone may need debt relief. Maybe you’ve lost your job and can’t keep up with your payments. Or perhaps you’re dealing with a medical emergency and can’t work. Whatever the reason, they can help.
They’ll work with you to find a solution that fits your needs and budget. And they have an 85% success rate, so you can be sure they’ll do everything they can to get you out of debt.
How does Pacific Debt Relief work?
Pacific Debt Relief is a debt relief company that offers debt consolidation loans to help people get out of credit card debt. The company works with creditors to negotiate their customers’ lower interest rates and monthly payments. They also offer financial education to help people manage their money better and avoid getting into debt in the future.
By turning your credit card debt and unsecured loans into one low monthly payment, you can get out of debt faster and save on interest. Pacific Debt Relief has helped thousands of people become debt-free, and their success rate is high.
Pacific Debt Summary
- Accreditation: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators
- Consultation: Free phone or online consultation with a customer services rep
- Costs: 15% to 25% of the total debt enrolled. Fees vary from state to state.
- Customer Service: Phone or email
- Debts accepted: All unsecured debt except consumer finance loans, payday loans, legal judgments, and medical debts not already in collections. Minimum debts considered are typically $10,000
- Free resources offered: Informative debt management blog
- Restrictions: Pacific Debt services are only available in 25 states
- Service offered: Debt settlement through direct negotiations
- Trust ratings: BBB rating of A+ and 9.3 Trustpilot score
- Turnaround time: 24 to 48 months or more
What kind of loans does Pacific Debt Relief offer?
Pacificdebt.com offers debt consolidation loans and home equity investment opportunities to help you get out of debt. They have various loan options available, so they can tailor a debt relief solution that fits your unique situation.
If you’re looking for a debt settlement company, Pacific Debt Relief can help. They work with a network of creditors to negotiate lower interest rates and monthly payments on your behalf. This can save you money every month to get out of debt faster.
If you have equity in your home, you may be able to use it as collateral for a home equity loan. This type of loan can provide you with the funds you need to pay off your debt and start fresh. Home equity loans typically have lower interest rates than credit cards or personal loans so that you can save money on interest payments.
No matter your financial situation, Pacific Debt Relief may help you find a debt relief solution that fits your needs.
How to qualify for Pacific Debt Relief?
If you’re struggling with debt, you may be looking for debt relief companies to help you get back on track. But what are the qualifications for such a loan? Here’s what you need to know about qualifying for Pacific Debt Relief.
To qualify for a debt consolidation loan from Pacific Debt Relief, you’ll need to have a minimum of $10,000 in debt and a maximum of $100,000 in debt. You’ll also need a good credit score and a steady income.
If you meet these qualifications, you can apply for a debt relief loan from Pacific Debt Relief. The process is simple and can help you get out of debt quicker than other debt relief companies.
How To Sign Up With Pacific Debt
The enrollment process begins with a phone consultation with a certified debt specialist who will ask you more about your financial situation and determine if the debt settlement program is right for you.
You can arrange a free consultation with a Pacific Debt rep online by doing the following:
- Head to the Pacific Debt Inc. website
- Click Free Consultation and talk to a debt specialist
- Select the amount of your debt, then click See Savings
- Select how far behind you are with payments
- Choose your state of residence
- Enter all relevant contact details, then hit Submit
How much does it cost to use Pacific Debt?

Well, that depends on how much debt you have and what kind of repayment plan you’re looking at. Their fees are typically 15-25% of the enrolled debt, so if you have $10,000 in debt, you can expect to pay us $1,500-$2,500 over the life of the loan.
However, this is just an estimate – your debt consolidation loan terms will determine your monthly payments. There are no upfront fees to use their services. So if you’re looking for debt settlement services with no hidden costs or surprises, Pacific Debt may be the right choice.
What Could You Save With Pacific Debt Relief?
Pacific Debt Relief could be a good option if you’re looking to save on your debt. You could save a lot of money with an average saving of 50%. However, keep in mind that this is before taking into account fees.
Once you factor in fees, average savings are 15% to 35%. So, Pacific Debt Relief may not be the best option if you’re looking to save as much money as possible. But if you’re willing to sacrifice some potential savings for the convenience of working with a reputable company, Pacific Debt Relief could be a good choice for you.
What is the minimum credit score for a Pacific Debt Relief loan?
The minimum credit score for a Pacific Debt Relief loan is 660. However, they may be able to work with you if your score is lower than this. They offer loans with low-interest rates and flexible repayment terms. However, you may have higher interest rates if your credit is lower than expected.
How long does it take for the Pacific Debt Relief program to begin resolving your debt?
The Pacific Debt Relief claims that its program is designed to help you resolve your debt as quickly as possible. Once you have enrolled in the program, they will work with your creditors to negotiate a debt consolidation loan that will allow you to pay your debt in full.
They typically can resolve our clients’ debt within 12-36 months. During this time, they will work with you to create a budget and payment plan that fits your unique financial situation. If you are struggling to make payments on your credit card debt, they may be able to negotiate a lower interest rate or monthly payment amount with your creditor.
How does Pacific Debt Relief affect your credit?

It’s no secret that debt relief can hurt your credit score. But you may not know how Pacific Debt Relief affects your credit explicitly.
When you enroll in a debt relief program with Pacific Debt Relief, they will negotiate with your creditors on your behalf to try to get them to agree to lower your monthly payments and/or interest rates. This process is called debt settlement.
If your creditors agree to their debt settlement offers, you will make payments to them each month instead of making payments directly to your creditors. They will hold onto these payments until we have enough money to pay your debt.
Once they have paid off your debt, they will report it as “settled” to the credit bureaus. This will hurt your credit score. However, it is essential to note that debt settlement is still better for your credit than declaring bankruptcy.
How to use Pacific Debt Relief’s website?
If you’re looking for debt relief, Pacific Debt Relief’s website is a great resource. Here’s how to use it to get the most out of it.
The first thing you’ll want to do is head to the “Calculate Your Savings” tool. This will give you an idea of how much money you could save by working with Pacific Debt Relief.
Next, you’ll want to check out the “Success Stories” section. This is a great way to see real-life examples of people who Pacific Debt Relief has helped.
Finally, read through the “Frequently Asked Questions” section. This will answer any questions about the debt settlement industry and how Pacific Debt Relief can help you.
By following these simple steps, you’ll be well on your way to getting the debt relief you need.
Pacific Debt Relief BBB review
If you’re considering using Pacific Debt Relief to help you with your debt, you may wonder about their BBB rating. We’ve got the scoop on Pacific Debt Relief’s BBB rating, plus information on their complaints history.
Pacific Debt Relief has been accredited by the Better Business Bureau since 2010 and currently has an A+ rating. In the last three years, they’ve had three complaints closed, and 1 complaint closed in the last 12 months. While this isn’t a perfect record, it does show that Pacific Debt Relief is generally responsive to complaints filed against them.
So if you’re considering using Pacific Debt Relief to help get your finances back on track, their BBB rating is something you can consider. Remember to read through their complaints history to get a fuller picture of the company.
Here are some Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
****** was super nice and eager to help. He didn’t hesitate to explain how things work and put me at ease. He wasn’t a fast talker like someone trying to make a sale. ****** made sure I fully understood the program and what the end result would be.

Is Pacific Debt Relief legit?
If you’re asking yourself this question, then you’re not alone. There are many people who are wondering if this company is legit and if the company settles millions of dollars in consumer debt each month.
Well, we can tell you that Pacific Debt Relief is a legit company that has helped thousands of people get out of debt. They have an A+ rating with the Better Business Bureau and have been in business for over 20 years.
One serious drawback is the fact that they serve only half of the states nationwide. Beyond this, you might not get the most competitive deal. You may be able to find a company that offers a lower interest rate or fees.
Still, if you’re looking for a legit company to help you get out of debt, then Pacific Debt Relief is a good option. So, if you’re looking for a legit company to help you get out of debt, then Pacific Debt Relief is a great choice, we recommend Pacific debt.
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Have you used Pacific Debt Relief? How was your experience? Let us know in the comments below!
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For anyone approaching this phone call uncertain about whether to proceed with debt relief, we would reiterate that Pacific Debt Inc. staff are top of the line. Spend some time and you might find yourself saving big on unsecured debt repayments.