Pacific Debt Relief vs Trinity Debt Management

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.

Trinity Debt Management, founded in 1994 and headquartered in Cincinnati, Ohio, specializes in debt management plans (DMPs) and free credit counseling across 45 states. Their DMPs are designed to consolidate multiple debts into a single monthly payment, significantly reducing interest rates and eliminating late fees by as much as 60% at a minimum debt requirement of $10,000. They also provide free budgeting assistance and educational resources to help clients achieve financial stability. Operating as a nonprofit organization, they offer lower fees, averaging $34 per month, and emphasize personalized care. Despite lacking certain industry accreditations, Trinity is registered with several state regulatory bodies, including Oregon and Virginia.