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Freedom Debt Relief vs Pacific Debt Relief

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Pros
  • Accredited by AFCC and IAPDA
  • Program Guarantee
  • Transparent fee structures
  • Addresses different types of debt comprehensively
  • Provides a free consultation
  • Zero upfront fees
  • Online Client Dashboard
Pros
  • Free consultation
  • Performance-based fees
  • No upfront fees
Cons
  • Lengthy process
Cons
  • Limited state availability
  • No mobile application
  • No online client portal
Summary

Freedom Debt Relief, established in 2002, is a prominent debt settlement company headquartered in the United States. Focusing on helping individuals manage unsecured debts, such as credit card balances and medical bills, the company has served over 1 million clients and resolved over $18 billion in debt. Their services involve negotiating with creditors to settle debts for less than the amount owed, offering a structured debt relief program without upfront fees, and providing a simple process where clients deposit funds into a dedicated account for settlements. Freedom Debt Relief stands out for their commitment to guiding clients through every step of the debt relief process and promptly notifying them of settlement offers. The company's expertise in debt negotiation and their track record of assisting clients in achieving financial freedom make them a trusted leader in the industry. Freedom Debt Relief is well-known for their dedication to helping people overcome financial challenges. They have received accreditation from reputable organizations like the Better Business Bureau and the International Association of Professional Debt Arbitrators.

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 : False
  • Average Net Savings : 20% to 35% after fees
  • BBB Rating : A+
  • Fees : 15%-25%
  • Timeframe : 24-48 months
  • Trustpilot Score : 4.6 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
  • Pay off debt in as soon as 24 months
  • Keep track of your work in real-time
  • Deals with various types of debts
Selling Points
  • Relatively low fee range
  • Over $500 million settled debt
  • Dedicated account managers & certified debt advisors
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • 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
  • Undisclosed
    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
  • Cash
  • Undisclosed
    Escrow/Savings Bank Account
  • Undisclosed
    Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket

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