This review compares Pacific Debt Relief vs National Debt Relief to help you decide which company is most suitable for you, whether you are seeking a personal loan or settling your debts. To help you make an informed choice, we have compared both companies.
Pacific Debt Relief Review: There Is A Reason They Are Ranked #1
Since 2002, Pacific Debt Relief has been helping people reduce their unsecured debts. Pacific Debt Relief has earned an A+ rating from the Better Business Bureau and has helped thousands of people get out of debt. Is it a scam? We will look at Pacific Debt Relief’s history, services, and fees in this review to help you decide if this company is right for you.
For unsecured debts like credit cards, medical bills, student loans, and more, the debt settlement company can help. Once you enroll in their program, they will contact creditors to negotiate lower interest rates and monthly payments. Their debt counselors will work with you to create a debt consolidation plan that fits your budget. They’ll work with you to find a solution if you struggle to make payments.
Pacificdebt.com’s experience sets them apart from other companies. Pacific Debt has been in business for over 20 years, and they’ve helped thousands of people get out of debt. They help clients pay off their unsecured debts.
In addition, Pacific Debt Relief charges a one-time setup fee of $49 and then a monthly cost of $39. This includes access to their online portal, customer support, and debt counseling. Plus, there are no upfront fees.
Does Pacific Debt Relief scam people? No, they don’t. Pacific Debt Relief is a legitimate debt consolidation company with lots of experience helping people pay off their unsecured debt. If you need debt relief, we recommend 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?
A debt relief process involves reducing or eliminating debt, which can be accomplished by negotiating, settling, or filing for bankruptcy. Since 2002, the firm has assisted more than 30,000 clients in determining and resolving outstanding debts totaling over $1 billion. Their debt relief services have helped thousands of people overcome credit card and medical debt problems.
Consumers who have difficulty making minimum payments and are concerned about reducing the amount they must pay to their creditors should consider this debt settlement company.
People may require debt relief for a variety of reasons. They may have lost their job and cannot keep up with their payments. They may also have suffered from a medical emergency and cannot work.
They are committed to helping you find a solution that fits your needs and budget, and they have an 85% success rate, so you can be confident that they will do everything they can to help you.
How Pacific Debt Relief Works
In addition to debt consolidation loans, Pacific Debt Relief also offers financial education to help people manage their money better and avoid becoming in debt in the future. The company negotiates lower interest rates and monthly payments with creditors to help customers out of credit card debt.
You can get out of debt faster and save on interest by turning your credit card debt and unsecured loans into one low monthly payment. Pacific Debt Relief has helped thousands of people become debt-free.
Pacific Debt Relief 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. The minimum debts considered are typical $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?
You can get out of debt with Pacific Debt’s debt consolidation loans and home equity investments. They have different loan options so that they can tailor a solution to your needs.
Pacific Debt Relief works with a network of creditors to negotiate lower interest rates and monthly payments on your behalf so that you can save money each month.
If you have equity in your home, you can use it as collateral for a home equity loan. You can get money from this loan to pay off your debt. Home equity loans typically have a lower interest rate than credit cards or personal loans, so you don’t have to pay much interest.
Whatever your financial situation, Pacific Debt Relief can help.
How To Qualify For Pacific Debt Relief
You may be looking for debt relief companies to help you get out of debt. But what do you need to know about qualifying for a loan like Pacific Debt Relief?
A debt consolidation loan from Pacific Debt Relief requires a minimum of $10,000 in debt and a maximum of $100,000 in debt. It would help if you also had a good credit score and a steady income.
If you meet these requirements, you can apply for a debt relief loan from Pacific Debt Relief. The process is simple, and you’ll be out of debt sooner.
How To Sign Up With Pacific Debt
First, you’ll talk to a certified debt specialist who’ll ask about your financial situation and determine if you’re the right candidate for debt settlement.
To arrange a free consultation, follow these steps:
- 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?
The fees are typically 15-25% of the debt enrolled, so if you have $10,000 in debt, you can expect to pay $1,500-$2,500 over the loan term.
This is just an estimate – your debt consolidation loan terms will determine your monthly payments. Pacific Debt doesn’t charge upfront fees, so this may be the right company if you’re looking for debt settlement without surprises.
How Much Could You Save With Pacific Debt Relief?
Pacific Debt Relief might be a good option if you’re trying to save on your debt. With an average savings of 50%, you could save a lot. But keep in mind; this is before fees.
Pacific Debt Relief typically saves 15% to 35% once you factor in fees. It might not be the best option if you want to save a lot. Suppose you’re okay with sacrificing some potential savings for the convenience of working with a reputable company. In that case, Pacific Debt Relief might be a good choice.
What Is The Minimum Credit Score For A Pacific Debt Relief Loan?
The minimum credit score for Pacific Debt Relief is 660. However, they can work with you if you have a lower score. Their loans have low-interest rates and flexible repayment terms.
How Long Does It Take For The Pacific Debt Relief Program To Begin Resolving Your Debt?
On its website, Pacific Debt Relief claims its program is designed to help you pay off your debt as quickly as possible. Once enrolled, they’ll work with your creditors to negotiate a debt consolidation loan.
They can usually resolve our clients’ debt within 12 to 36 months. They’ll work with you to develop a budget and payment plan that fits your budget. Your creditor may be able to negotiate a lower interest rate or monthly payment amount with them if you’re struggling to make payments.
How Does Pacific Debt Relief Affect Your Credit?
Pacific Debt Relief can hurt your credit score, but you might not know how.
A debt relief program with Pacific Debt Relief will negotiate with your creditors on your behalf to lower your monthly payments and interest rates. It’s called debt settlement.
As soon as your creditors accept their debt settlement offer, you’ll make monthly payments to them instead of directly. They’ll hold onto these payments until we have enough money to pay off your debt.
The credit bureaus will report the settlement as “settled,” which will hurt your credit score. However, debt settlement is still better than declaring bankruptcy for your credit.
How To Use Pacific Debt Relief’s Website
The Pacific Debt Relief website is an excellent resource if you’re looking for debt relief. Here’s how to use it.
Start by checking out the “Calculate Your Savings” tool to see how much money you could save by working with Pacific Debt Relief.
You’ll also want to check out the “Success Stories” section. This is a great way to see how Pacific Debt Relief has helped real people.
Lastly, read the “Frequently Asked Questions” section. You’ll learn more about Pacific Debt Relief and how we can help.
You’ll be well on your way to debt relief if you follow these steps.
Pacific Debt Relief BBB Reviews
You may be wondering about Pacific Debt Relief’s BBB rating, plus information on their complaints history if you’re considering Pacific Debt Relief to help you with your debt.
Since 2010, Pacific Debt Relief has been accredited by the Better Business Bureau and is currently A+. Pacific Debt Relief has closed three complaints in the last three years and one in the previous 12 months. While this isn’t a perfect record, Pacific Debt Relief is generally responsive to complaints.
If you’re considering Pacific Debt Relief to get your finances back on track, their BBB rating may be something to consider. Read through their complaints history to get a fuller picture.
Check out these Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
Is Pacific Debt Relief Legit?
You’re not alone if you’re wondering if this company is legit and if it settles millions of dollars in consumer debt per month.
Pacific Debt Relief is a legit company that has helped thousands of people get out of debt. They have an A+ rating with the BBB and have been in business for 20 years.
In addition, they only cover half the states nationwide. Plus, you may not get the best deal. You may be able to find a company that offers a lower interest rate or fee.
So, Pacific Debt Relief is an excellent choice if you’re looking for a legit debt relief company.
Comment below if you’ve used Pacific Debt Relief.
Thanks for reading!
National Debt Relief Review: Proof That Debt Settlement Works
If you’re in debt, you might be thinking about consolidating to get things under control. Consolidating your debt is a great way to get out of debt, but choosing the right firm to help you with it is essential. In this National Debt Relief review, we’ll look at this top-rated company and see if it is correct.
You can trust National Debt Relief because they’re BBB accredited, have IAPDA accreditations for all of their Debt Arbitrators, and are American Fair Credit Council members.
They help people get out of debt with debt consolidation and debt settlement. They’re one of the best in the business, and thousands of people have used them. Besides debt settlement, it offers credit counseling, federal student loans, and debt counseling.
Customer service is one thing that makes National Debt Relief stand out. They’re available 24/7 to help you with your debt consolidation needs. They’ve helped a lot of people get out of debt.
They have great reviews and years of experience helping people with debt consolidation, so they might be the right company for you.
Among the industry’s most popular and well-known companies, National Debt Relief helps individuals and families consolidate their total debt into one affordable monthly payment.
National Debt Relief Pros And Cons
In terms of debt relief, there are many options, and each has its own set of pros and cons. National Debt Relief is a good option if you’re struggling with debt. Before making a decision, you should consider some of the potential drawbacks of this type of relief.
With National Debt Relief, you can get out of debt fast. If you have a lot of debt, you might be able to get it all wiped out in a few years. This can lift you and help you get back on track.
The help of a professional can be so beneficial. You can get a plan tailored to your needs if you’re working with a reputable company with debt relief experience. They can also provide you with support throughout the whole thing, so you don’t have to worry.
However, there are also some potential downsides to this type of relief. Enrolling in a debt relief program will hurt your credit score if you’ve got lots of debt. If you do this, you’ll have trouble getting approved for loans and other forms of credit.
Another downside is that you may have to pay taxes on the forgiven debt. Debt forgiven by a lender is considered taxable income by the IRS. This means you could end up owing a large amount of money in taxes if you can have your entire debt load erased.
What Is National Debt Relief?
A company called National Debt Relief helps consumers get out of debt like credit card debt, medical bills, and more. National Debt Relief offers many services, like personal loans, debt consolidation loans, debt settlement, and credit counseling. They’ve helped thousands of people get out of debt.
How Does National Debt Relief Work?
Once the settlement has been reached, you pay a single payment to National Debt Relief, and they send the funds to your creditors. This debt settlement company works with your creditors to settle. This process can get you debt free faster and for less money than negotiating with your creditors.
The National Debt Relief process is pretty straightforward, so you should know a few things about it if you consider using it. First, when you enroll in the program, they’ll freeze all interest and late fees on your account. So the balance on your budget won’t keep growing. Second, National Debt Relief will work with your creditors to lower your monthly payments. It can help you pay off your debt by freeing up some of your monthly income.
It may be a good option if you want to get out of debt quickly. Their experienced negotiators can often get you a significantly lower settlement than what you owe.
What Is The National Debt Relief Program?
It’s a debt relief program that helps people get out of debt. You can get a lower monthly payment, no late fees, no penalties, and even lower interest on your debts with National Debt Relief. You can also consolidate your debts into one payment, so it’s easier to manage your money.
How Much Does National Debt Relief Charge?
The National Debt Relief program charges a one-time, upfront fee for its services. That fee is usually 20% of the total debt you enroll in the program.
Enrolling in a debt settlement program will improve your credit score and save on interest payments. Make sure to research and compare prices with other debt relief companies if you’re considering enrolling in a debt relief program.
How Long Does It Take For The National Debt Relief Program To Begin Resolving Your Debt?
It takes some time to clear up your debt, but it’s worth it. National Debt Relief will ensure you get the best results as quickly as possible. In most cases, they can resolve debts within four months of signing up. However, a few things could change that timeline:
- The total amount of debt you owe
- The type of debt you have
- Your credit score
- How cooperative your creditors are
If any of these factors change, it could delay the process. You don’t have to worry – National Debt Relief will be there every step of the way.
How Does National Debt Relief Affect Your Credit?
It’s important to remember that each case is unique, so you’ll need to consult with a financial professional to get personalized advice.
Considering using NDR to consolidate your debt, you should know how it might affect your credit. When you enroll in a debt relief program, your creditors may flag your account as “in collections.” It stays on your credit report for up to seven years, even after you’ve finished the program and paid off your debt consolidation loans and enrolled debt.
You’ll be impacted by this designation based on how much debt you have, your credit score, and how long you’ve been delinquent. Generally speaking, a debt relief program will hurt your credit score in the short term, but as you make regular payments and reduce your overall debt load, it may improve over time.
How To Contact National Debt Relief Customer Service
You can reach National Debt Relief customer service by phone at 888-969-1953 or through their website by clicking the “Contact Us” button.
One of their representatives will ask you some questions about your situation to see if their services are right for you. They’ll also explain how their program works and the next steps.
The customer service department usually responds within 24 hours if you email them. On their website, you can fill out a form with your name, email, phone number, and a brief message.
You can count on the team of experienced professionals at National Debt Relief no matter how you reach out to them. It’s no secret that debt can be stressful and stressful, and that’s why they’re dedicated to providing the best possible service for every client.
Is National Debt Relief Legit?
National Debt Relief is a famous debt relief company that offers debt settlement services, but you should make sure they are legit before signing up.
Since 2009, National Debt Relief has helped thousands get out of enrolled debt. They’re a member of the Better Business Bureau, and they have an A+ rating. In addition to being registered with the Consumer Financial Protection Bureau (CFPB), National Debt Relief follows strict guidelines and regulations.
National Debt Relief can help you get out of enrolled debt. Here’s what you need to know:
- It does not charge any fees upfront. You only pay them if they can help you get out of debt.
- They have a team of experts who can help you create a plan that works for your budget and your situation.
- They will negotiate with creditors to reduce your interest rates and monthly payments.
- If National Debt Relief can help you get out of debt, they will also work with you to create a plan for staying out of debt.
This is a reputable company that has been helping people to get out of debt for years. Before you use their services, make sure you compare them to others.
National Debt Relief BBB Reviews
National Debt Relief is a BBB-accredited business with an A+ rating.
Here are some National Debt Relief reviews:
Dave 02/22/2022
Katharine 02/21/2022
John 02/16/2022
How To Use National Debt Relief’s Website
Start by visiting the NationalDebtRelief.com website and taking the free consultation. They’ll be able to give you a free quote and tell you how much money you can save by using their service. Moreover, they offer a money-back guarantee, so there is no risk involved in using it.
In the account dashboard, you can view a detailed overview of your current debt situation and your progress toward paying off your debts. You will be able to see your progress on paying off your debts once you have created a National Debt Relief login. You can also find a wealth of information and resources here, including educational materials and blog posts on how to get out of debt.
In addition, their website is very user-friendly and easy to navigate, so you will quickly be able to find the information you need. If you have any questions or concerns, please do not hesitate to contact one of their representatives.
How To Use The National Debt Relief App
This app can help you get out of debt quickly and easily if you are struggling with debt.
Download the app from the App Store or Google Play. Once the app has been installed, could you open it and create an account?
As soon as you enter your financial information into the app, the app will generate a personalized debt relief plan based on your income, debts, and expenses.
As a final step, follow the plan to get out of debt as quickly as possible. The app will provide you with all the tools and resources you need to be successful.
How To Use The National Debt Relief Client Portal
To access your client portal, please visit the website and click on the “login” button in the top right corner of the screen. Enter your email address and password, then click on “log in.”
Clients can access account information, recent transactions, payment history, and more. You can also submit a request for assistance or chat with a representative through the client portal.
How To Cancel The National Debt Relief Contract
You have the right to cancel your contract if you are unhappy with the progress National Debt Relief is making on your behalf or if you simply no longer wish to use their services. Here is how you do so:
- First, call customer service and tell them you want to cancel your contract.
- Next, customer support will send you a cancellation form to complete and return.
- Finally, your account will be terminated once they receive the cancellation form.
There are also no cancellation fees, so you will not be charged anything if you decide to cancel. So if you are unsatisfied with National Debt Relief’s services, do not hesitate to call and cancel.
It is an excellent debt relief company, especially for those seeking debt relief, but you must be comfortable with the contract terms before signing up. For any questions or concerns, please get in touch with National Debt Relief before committing. If you decide debt relief is unsuitable, you may cancel your contract. You are not obligated to continue using their services if you are unsatisfied.
How To Get My Money Back From National Debt Relief?
National Debt Relief offers several options for recovering your money.
You can contact the company directly to request a refund. You can also send an email or letter to the company requesting a refund. However, it may take time for the company to process your request if you do this.
You may also be able to obtain your money back by filing a complaint with the Better Business Bureau (BBB). The BBB will investigate the company and may be able to assist you.
The final option is to sue National Debt Relief. If you decide to proceed in this manner, you will need to hire an attorney and file a lawsuit against the company. This is usually a last resort, as it can be time-consuming and expensive.
Is National Debt Relief A Good Company?
Many debt relief companies offer debt relief services, so it can be difficult to decide which one is best for you. Founded in 2009, National Debt Relief has assisted thousands of people in getting out of debt. Their services include debt consolidation, credit counseling, and bankruptcy alternatives.
They have been featured in magazines such as Forbes and Money magazine. National Debt Relief has been accredited by the Better Business Bureau (BBB) with an A+ rating. One thing distinguishing National Debt Relief from other debt settlement companies is its commitment to customer service. A team of certified credit counselors is on hand 24 hours a day to assist you with creating a debt relief plan.
Here are a few things you should keep in mind if you are considering using National Debt Relief:
- National Debt Relief is not a scam. They are a legitimate company helping people get out of debt for years.
- They offer various services, including debt consolidation, credit counseling, and bankruptcy alternatives.
- National Debt Relief is accredited by the Better Business Bureau (BBB) with an A+ rating.
- They have also been featured in magazines such as Forbes and Money magazine.
- Their team of certified credit counselors is available 24/seven to help you create a plan to get out of debt.
National Debt Relief can help you get out of debt, but ultimately, your decision is up to you. If you are considering using National Debt Relief, do your research first.
