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Pacific Debt Relief is a reputable company that has been in operation since 2002. The International Association of Professional Debt Arbitrators (IAPDA) and the Consumer Debt Relief Initiative (CDRI) both accredited them, and they have an A+ rating from the BBB. Over the years, the company has settled over $500 million in client debt.

Pacific Debt Relief operates in 32 states and Washington, DC. However, their services are unavailable in certain states, such as New Jersey, Virginia, and Iowa. To determine if their services are available in your state, you can visit their website or contact their customer support team.

To qualify for Pacific Debt Relief’s program, you must have at least $10,000 in unsecured debt, regularly make a monthly payment to your savings account with them, and reside in a state where they conduct business.

Any debt settlement program you use, including those Pacific Debt Relief offers, will probably have a negative impact on your credit score for several years. Given that payments are halted during negotiations, any missed payments and collections accounts will be reported, thus lowering your score.

Pacific Debt does not promise to stop all creditors from calling, but it will limit the amount of calls you get during the day.

Pacific Debt has no upfront fees, but you will be subject to pay from 15% to 25% of your enrolled debt.

Most kinds of unsecured debt are available to be settled with Pacific Debt which includes credit cards, medical bills, personal loans, retail debt, collection accounts, and debt owed after repossession.