Pacific Debt Inc. Debt Consolidation Review

Rating: 9.4 / 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.

How is Pacific Debt Inc. rated?


Pricing & Fees

Overall Rating: 9.4 / 10 (Excellent)

Pacific Debt, Inc. is a great company if you are looking solely for debt settlement. Debt settlement differs from debt consolidation providers, debt consolidation loans, or credit counseling in that the debt settlement company typically negotiates with creditors on your behalf to pay less than what is currently owed. Clients pay funds into a third party bank account, which the debt settlement agency uses to pay the creditor either in a lump sum or scheduled payments. With this type of debt settlement, debtors are essentially making the decision to stop paying their bills until the debt settlement agency secures a lower amount and more favorable terms. For this reason debt settlement will most likely lower your credit score. The upside is you will usually get out of debt faster and it won't affect your credit nearly as much as filing for bankruptcy. If debt settlement is an alternative that fits your needs, there are few better companies than Pacific Debt considering its reputation for customer service and high reductions in outstanding balances.

Pacific Debt Inc. Services

Services - 9 / 10

Pacific Debt, Inc. offers debt settlement services and promotes this as the superior alternative to other choices such as debt consolidation, bankruptcy, and credit counseling. The company points to success stories of clients settling debt for 20%-50% of the original balance with creditors such as PNC Bank, Citibank, and Capital One. Although these results are fantastic and significantly above the norm for debt consolidation companies, Pacific Debt cannot guarantee the same for all clients. Best case scenarios occurred for clients who successfully met all program terms. Also, not all prospective clients will receive settlement offers.
Services Offered
Debt Settlement
Professional Consultation
Estimated Debt Reduction
Program Length
24-48 months


Qualification - 9.5 / 10

Pacific Debt, Inc. only services unsecured debt, meaning debt not secured by collateral. These days, this can refer to a huge range of debt types, principally of which would be credit cards but could also include personal loans, retail debt (department store credit cards), medical bills, and accounts that have been referred to collection agencies. As a result, Pacific Debt can help clients with some of the most typical debts they may be saddled with. There are certain unsecured types they do not service, however. These can include legal judgements and payday loans. Also, they will not be able to help you if you have gotten into trouble with a home or vehicle loan.
Minimum Debt Amount
Debt Solutions For
Personal Loans
Medical Bills
Unsecured Loans
Credit Cards
Collections & Repossessions
Excluded Debts: Pacific Debt, Inc. only services unsecured debt.

Pricing: How much does Pacific Debt Inc. cost?

Pricing & Fees - 9.5 / 10

In accordance with industry regulations, Pacific Debt does not charge any up front fees. They will charge 15%-25% of the total debt they are able to settle, and this puts them square within industry norms for debt settlement companies. Also, as with most debt settlement companies, clients only are charged if they see actual results.
Up-front Fees?
Fees Summary
Between 15%-25% of total debt enrolled. Fees are automatically factored into monthly payment.


Reputation - 9.7 / 10

Pacific Debt, Inc. has, by and large, a very favorable reputation among its clients. The company has an A+ rating with the BBB and a fantastic 9.2 score on Trustpilot, with a whopping 96% positive review out of over 300. They are a accredited member of the American Fair Credit Council and ranked #1 debt settlement company of 2016 by Customers routinely praise Pacific Debt for not rushing them into a decision and explaining all options thoroughly and patiently.

Company Details

Year Founded
Number of Clients Served
Amount of Debt Settled

Compliance & Accreditations

AFCC Membership
Accredited Member

Online Reviews

Trust Pilot Rating
9.2 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Homepage URL
Headquarters Address
750 B St #1700, San Diego, CA, 92101

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Our Partner
9.4 / 10
  • Get started quickly, no upfront fees
  • 15 years in business with BBB A+
  • Personal Account Manager to help settle your debt
  • 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