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Pacific Debt Inc. Debt Consolidation Review

Rating: 9.3 / 10 (Excellent)
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Pacific Debt Inc. specializes in providing debt settlement solutions for people who are facing mounting debt problems. It does not require taking out another loan to pay existing debts such as those seen in other debt consolidation services. The company works for you by negotiating with your creditors to reduce the amount that you owe. Pacific Debt Inc. makes your payments more manageable by allowing you to create monthly payments within budget.

Years in Operation

Started in 2002

Program Length

24 to 48 Months


The company received an A+ rating with the BBB and is accredited with both the IAPDA and AFCC. Pacific Debt Inc. is compliant with FTC regulations regarding fees and charges associated with debt settlement services.

A+ BBB Rating



FTC Compliant

FDIC Insure Trust Account

Debt Qualification

$7.500 and up

*Monthly payments are deposited in an FDIC insured trust account. Clients have full access to this account and the amount collected is then used for debt payments and program fees.

*Pacific Debt’s services are only available for aggregate debt amount of $7,500 and up. These must be unsecured, meaning there is no collateral attached. Example of unsecured loans includes personal loans, pay day loans, medical bills and credit cards. A debt specialist may require you to authorize a soft pull on your credit report if you are unsure of your current loan situation or to verify your balances.

Pacific Debt Inc. Costs

Pacific Debt Inc. is compliant with FTC regulations and best trade practices. The company does not charge upfront and monthly fees. Monthly deposits goes into an escrow account that will be used to pay a debt once a settlement is reach and authorized . Pacific Debt Inc. charges up to 20% of the enrolled debt amount.

Upfront Fees

Consultation Fees

Fees and Charges

Fees vary by state and amount of debt. But Pacific Debt only charges you for debt resolved. There are no monthly fees and debt consultations are free.

Services Offered

Personal Account Management

Debt Settlement

  • Unsecured Debts
  • Collections and Repossessions
  • Credit Cards
  • Certain Student Debt
  • Medical Bills
  • Personal Loans

Client Support





(877) 722-3328


(619) 238-6709

Email inquiries@pacificdebt.com

Debt Consolidation and Settlement at Pacific Debt Inc.

Pacific Debt Inc. offers a solid debt settlement program that is designed to help clients make easier and more manageable payments. The company does not charge any upfront, monthly or consultation fees. You receive a Personal Account Manager to help guide you through the process and all settlement fees are contingent on your approval of the settlements obtained. Pacific Debt is a good choice for people searching for a reputable debt settlement service that can deliver on its promises.

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Top Rated
Our Partner
9.3 / 10
  • Get started quickly, no upfront fees
  • 14 years in business with BBB A+
  • Personal Account Manager to help settle your debt
  • IAPDA Certified Debt Counselors 
  • One low program payment, tailored to your budget
  • Online Client Portal, for easy 24/7 access
  • Free no pressure consultation to review all options
  • 24-48 month program, no upfront fees