Pacific Debt Inc. Debt Consolidation Review

#15 in Debt Consolidation

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 debt consolidation services. The company works for you by negotiating for loan settlements with your creditors. 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

$10,000 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.

*Pacific Debt’s services are only available for loans $10,000 and up. These must be unsecured or does not have any 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.

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 loan once a debt  is settled. Pacific Debt Inc. charges up to 20% of the enrolled debt amount.

Upfront Fees

Consultation Fees

Fees and Charges

20% of Enrolled Debt

Services Offered

Personal Account Management

Debt Settlement

  • Unsecured Debts
  • Collections and Repossessions
  • Credit Cards
  • Student Loans
  • Medical Bills
  • IRS Tax Debt

Client Support





(877) 722-3328


(619) 238-6708

Email [email protected]

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 and monthly consultation fees. However, the company charges you 20% of enrolled debts for successful debt settlements. A good choice for people searching for a reputable debt settlement service that can deliver on its promises. 

Start your review for Pacific Debt Inc. Debt Consolidation