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Pacific Debt

Pacific Debt Inc.: Debt Relief Review

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Pacific Debt Inc.: Debt Relief Review

Pacific Debt Inc. has settled over $300 million in debt for thousands of clients since 2002. It prides itself on being the most consumer-friendly debt relief business, and its customer reviews reflect it all. How does it do that, though? Continue reading to find out.


Free consultation
Excellent user reviews
No upfront fees
Accepts all credit types


Requires minimum debt of at least $10,000
No mobile application
Not available in every state

Quick Stats

Affects credit score
Not Available
Average net savings
BBB Rating
15% - 25%
Minimum debt required
Money-back guarantee
Not Available
24-84 Months

About Pacific Debt Inc.

Pacific Debt Inc. was founded in 2002 in San Diego, California. Since then, it has become one of the best debt consolidation companies with five stars rating and an A+ BBB rating. Pacific Debt Inc. has settled over $300 million in debt since 2002 across 32 states. One highlight of their program include no upfront fees, and all compensation is performance-based.

It distinguishes itself from its competitors with the personal level of service the consumers receive throughout the process. For example, Pacific Debt Inc. provides a one-on-one adviser to determine the best settlement plan for you at the enrollment level. It encompasses reviewing your accounts, completing a detailed budget to ensure the program’s affordability with a free estimate for a tailored plan to your financial status.

Next up, with client care, a small team of caring individuals will be dedicated to helping you through the navigation of the early stages. Finally, a personal account manager will be assigned to help you develop a professional relationship with your clients and provide monthly updates on your progress.





Free Consultation

Pacific Debt In offers a free consultation to get you started on your debt relief program. All you need to do is fill a quick form on how much debt you are owed, and if you are late on paying your fees and Pacific Debt Inc. will do the rest.


Home Equity Investment

Pacific Debt Inc. has collaborated with Point Home Equity to offer great services on your home equity. With Point, you can sign up for free to check if you qualify. If you do, you can earn up to $350k depending on your home value. The best part, there are no monthly payments; homeowners who use Point’s Home Equity Investment can pay their debts in their own time and cash flow.

Consolidation Loans

Partnered with Supermoney, Pacific Debt Inc. offers consolidation loans that can help you simplify your finances and lower your interest rates. Supermoney loan offers are available after filling a quick form, which will not affect your credit score. You can get loans up to $100k with an annual percentage rate starting from 4.99%. Supermoney also accepts all credit types and provides real-time offers with the lending partners that will be most helpful for you.

In addition to personal loans, Supermoney offers business loans, auto loans, and student loan refinance.

Pacific Debt Inc. is only available in 31 states: 
Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Idaho, Indiana, Kentucky, Louisiana, Massachusetts,
Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina,
Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota, Texas,
Utah, Virginia, Wisconsin


There are no upfront fees with Pacific Debt Inc., but you pay from 15% to 25% of your debt. Their average program length varies from 24 months to 48 months.

To qualify for their relief program, you must have at least $10,000 of unsettled debt, which is slightly higher than other companies require, or some that do not require a minimum amount.

Customer Support

Pacific Debt Inc. has a well-established reputation for customer support. They are available via a dedicated email address in addition to phone numbers.

The customer service contacts are as follows:

Extra Features

While Pacific Debt Inc. does not offer a mobile application, its online portal is available for its customers 24/7.

There is, however, a debt calculator where you can calculate your debt details before enrolling in their program.

Final Verdict

According to many customers and 3rd party agencies, Pacific Debt Inc. is a great debt relief company that outperforms its competitors. It offers free consultation and is very transparent with its fees and services.

How do I qualify for Pacific Debt's debt relief program?
Will applying hurt my credit score?
How long till I become debt-free?
Will have you to pay for consultation?
Will you stop creditors from calling?
How much are Pacific Debt's fees?
What kinds of debt can be settled through Pacific Debt?

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