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National Debt Relief vs Pacific Debt Relief

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Pros
  • No upfront fees
  • Lower minimum debt requirement
  • A+ BBB rating
Pros
  • Free consultation
  • Performance-based fees
  • No upfront fees
Cons
  • Additional fees not disclosed
  • Not available in all states
  • No mobile app
Cons
  • Limited state availability
  • No mobile application
  • No online client portal
Summary

Founded in 2009 in New York, National Debt Relief has become a leading name in debt settlement, known for their compassionate approach and remarkable track record. They offer free consultations and work tirelessly to negotiate significant reductions in unsecured debts, having settled over $1 billion for more than 500,000 clients. National Debt Relief's commitment to excellence is reflected in their A+ rating from the Better Business Bureau (BBB) and accreditation by the American Association for Debt Resolution (AADR). Their website provides extensive resources and educational materials to help you make informed financial decisions. To know more, read the full review.

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 : Program may lower score temporarily
  • Average Net Savings : 30%-50%
  • BBB Rating : A+
  • Fees : 15%-25% of total enrolled debt
  • Timeframe : 24-48 months
  • Money-Back Guarantee : False
  • Trustpilot Score : 4.7 out of 5
  • Customer Experience : Excellent
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
  • Lower fees range
  • Lower debt minimum requirement
  • Large amount of debt settled
  • Large network of creditor relationships
  • Provides “satisfaction guarantee”
Selling Points
  • Relatively low fee range
  • Over $500 million settled debt
  • Dedicated account managers & certified debt advisors
Services Offered
  • Undisclosed
    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
  • 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
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket

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