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Debt Rx vs Pacific Debt Relief

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Pros
  • BBB accreditation with an A+ rating
  • No upfront charges
  • Tailored customer assistance
Pros
  • Free consultation
  • Performance-based fees
  • No upfront fees
Cons
  • High minimum debt required
  • Not available in all 50 states
  • Absence of clear information
  • Potential negative impact on credit score
Cons
  • Limited state availability
  • No mobile application
  • No online client portal
Summary

Debt Rx, founded in 1999 and headquartered in Frederick, Maryland, offers personalized debt relief solutions for individuals facing overwhelming financial burdens. With a particular focus on engaging in negotiations with creditors to mitigate unsecured debt, their services extend to credit card debt, medical expenses, personal loans, and various other financial obligations. Debt Rx has established commendable standing and professionalism with an A+ rating from the BBB and IAPDA accreditation. Their experience of more than two decades further supports this. Their customers value their individualized strategy, straightforward communication, and commitment to assisting them in re-establishing their financial stability. The commitment of Debt Rx to providing effective debt settlement and negotiation services without requesting upfront payment enables people to receive relief without creating any initial financial obligations. Debt Rx provides individuals dealing with escalating debt or aspiring to attain financial autonomy with a dependable companion along the trajectory toward financial freedom.

Summary

Pacific Debt Relief is a reputable debt relief company founded in 2002 and headquartered in San Diego, California. The company provides assistance with unsecured debts such as credit cards, personal loans, medical bills, and payday loans. Pacific Debt Relief is certified by the International Association of Professional Debt Arbitrators (IAPDA), adding credibility to their services. PacThey do not charge any upfront or monthly fees, unlike many debt settlement firms. Instead, it takes a fee of 15-25% of the total enrolled debt only after a settlement with creditors has been reached. On average, clients can expect to pay around 50% of their debt balance before fees, resulting in a total reduction of 25-35% in their debt. Pacific Debt Relief has impressive customer feedback, boasting an A+ rating from the Better Business Bureau and a 4.8 out of 5-star rating on Trustpilot based on over 1,700 reviews. Clients praise the company's professional debt arbitrators, excellent customer service, and ability to help them become debt-free. With their transparent pricing, industry accreditations, and positive customer reviews, Pacific Debt Relief stands out as a reliable option for those seeking debt relief solutions.

Quick Stats
  • Credit Score Impact : May impact your credit score
  • Average Net Savings : Up to 50% before fees
  • BBB Rating : A+
  • Fees : Undisclosed
  • Timeframe : 24-48 months
  • Trustpilot Score : 4.8 out of 5
  • Customer Experience : Good
Quick Stats
  • Credit Score Impact : The program may lower the score temporarily
  • Average Net Savings : 50% before fees
  • BBB Rating : A+
  • Fees : 15% - 25% of total enrolled debt
  • Timeframe : 24-48 months
  • Money-Back Guarantee : False
  • Trustpilot Score : 4.8 out of 5
  • Customer Experience : Excellent
Selling Points
  • No examination of credit history required
  • Legal expense plan
  • Provides a free consultation
Selling Points
  • Relatively low fee range
  • Over $500 million settled debt
  • Dedicated account managers & certified debt advisors
Services Offered
  • Bankruptcy Counseling
  • Undisclosed
    Consolidation Loans
  • Credit Card Debt Relief
  • Undisclosed
    Credit Counseling
  • Undisclosed
    Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Undisclosed
    Loan Refinancing
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Undisclosed
    Credit Counseling
  • Undisclosed
    Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Loan Refinancing
Types of Debt Covered
  • Undisclosed
    Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Private Student Loans
  • Professional Bills
  • Secured Debts
Types of Debt Covered
  • Undisclosed
    Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Undisclosed
    Private Student Loans
  • Undisclosed
    Professional Bills
  • Secured Debts
Payment Options
  • Undisclosed
    Cash
  • Escrow/Savings Bank Account
  • Undisclosed
    Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • Undisclosed
    In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket

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