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Pacific Debt Review

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Reviews 773

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BestMoney Staff
Bestmoney Staff
Apr. 16, 20214 min read

Pacific Debt summary

With competitive pricing and customer service, Pacific Debt is a good choice to consider when taking out a debt consolidation loan.

Pros

  • Accredited with AFCC and Better Business Bureau
  • Covers a wide variety of unsecured debt
  • No credit requirements to qualify for a program

Cons

  • Higher minimum debt than competitors

Pacific Debt Pacific Debt View Rates

Why Go with Pacific Debt

When your debts become an unmanageable problem, Pacific Debt’s debt consolidation loan professionals can help. Its team of professionals can assist you when it comes to dealing with debt consolidation, as well as helping drive down debt that has ballooned out of control due to late fees and high interest rates.

The company has over a decade of experience in the field, and employs a team of debt consolidation loan professionals that guide you through the whole process. Additionally, with strong and friendly customer support and an impressive collection of educational resources, Pacific Debt can empower you to look after your own personal finances.

What Pacific Debt Offers

  • Personal account manager to help you through the process
  • Extensive educational resource
  • Excellent and accessible customer support
  • IAPDA and AFCC certified agents
  • Wide variety of services

More Reasons to Choose Pacific Debt

This company excels in a comprehensive approach. Pacific Debt will guide you through the whole process of taking out a debt consolidation loan, and will not collect any fees throughout.

Because the company does not collect any monthly or upfront fees, it transparently acts in your interests. The company’s fees are near the lower end of the industry spectrum, between 15% to 25%, although the exact percentage might vary by state.

Services Offered 

Pacific Debt's staff have a proven track record, as well as a deep knowledge of the industry. This allows the company to, on average, reduce your monthly repayment. The company will also advise you on the right course of action for your situation, even if that does not always align with the services it offers. If you reside in San Diego, it can connect you with one of its trusted partners for debt consolidation loans. 

To start your debt consolidation loan program with Pacific Debt, pick up the phone or fill out a form on the website. From there, one of the company’s representatives will review your case, and work with you to determine the right course of action. It is important to keep in mind that this company generally works with customers that have $1,000 or more in outstanding debts. 

What's Unique About Pacific Debt

When it comes to consolidating debt responsibly and effectively, a key component that often gets overlooked is education. Pacific Debt has made knowledge a central element of its services.  The company’s webpage is full of outstanding educational tools and reading material that includes information about debt, credit scores, and other personal finance topics. Additionally, the company hosts a blog that features insightful posts about current issues and important debt-related developments.

The company’s focus on education is also reflected by its debt consolidation loan process. The company empowers you by requiring your approval to move forward and its excellent educational resources include:

  • An explanation of different debt consolidation loan alternatives
  • A blog with articles on current and relevant personal finance topics
  • An educational center with a collection of personal finance guides
  • Handbooks to understand different aspects of credit and its implications

Outside of its educational resources, it is also easy to get started with Pacific Debt. While the company operates out of San Diego, California, it provides its services nationwide. The only requirement is that you have $10,000 or more in aggregate debt.

The personalized level of service the company offers is quite impressive, with staff handling every case and assisting throughout a process, that can at times be complex and overwhelming. Even before you start your debt consolidation loan program, a Pacific Debt team member will be in contact with you to help you with all the necessary paperwork.

Pricing Details

Pacific Debt's pricing is extremely competitive when compared to industry standards. A pricing example from their site shows that their offering is significantly cheaper than other debt consolidation loan providers, both in terms of monthly fees and in terms of total amount paid. 

Site Security

The company's website and privacy policy are incredibly helpful when it comes to understanding the data they collect, as well as its exact use. The company does not ask you for any sensitive information. The company employs industry-standard measures to protect customers’ data including electronic safeguards, off-site backups, encryption, and procedural safety measures. 

Help & Support

Customer service is one of Pacific Debt’s strongest features. The company includes personalized assistance throughout the entire process. The company can be reached via email, telephone, and in-person if you are based in Southern California. It operates 5 days a week during normal business hours. 

Summary

Pacific Debt is focused on providing a customer-first approach to debt consolidation loans. The company’s process is straightforward and geared toward letting customers consolidate their debts. Additionally, the company is focused on providing its customers with useful educational resources to empower more responsible personal financial. Also, its level of customer service makes it an appealing option for any potential client. The company provides constant assistance and helps guide customers through the entire process. 

About Pacific Debt

Pacific Debt was founded in 2002 by two San Diego natives who noticed the increasing debt problem in America. The company was conceived on the principle of empowering customers and helping people deal with problems that can be incredibly damaging and life-altering. It works with customers nationwide to help fix their credit and believes in providing a customer-centric approach to debt consolidation loans. 

Physical Address

750 B Street, Suite 1700

San Diego, CA 92101

United States

Pacific Debt Pacific Debt View Rates

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

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Pacific Debt
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Trustpilot reviews

See what some costumers are saying about Pacific Debt
Pacific Debt
ExcellentReviews 773
on
Excellent
80%
Great
15%
Average
3%
Poor
1%
Bad
1%
  • author
    Joanna
    4 days ago
    Great experience so far

    Great experience so far! Julia has been amazing. She always responds and makes herself available when I need her. She makes what is a stressful situation, bearable. She has been such a pleasure to work with!

    ...

  • author
    Maria Grando
    May 04, 2021
    Miriam was very helpful and thorough

    Miriam was very helpful and thorough. I appreciate the patience with explaining the terms, as well as the customer service. Keep up the good work!

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  • author
    Downing
    May 04, 2021
    Julia is the best!

    Julia has been a god send to me! She is so knowledgeable, kind, caring, thorough, all-around wonderful person. She eased my mind about going into the program when I had apprehension. She calls and checks on me and I actually look forward to hearing your calls because her chipper happy voice checking and makes my day. Anybody would be lucky to work with pacific that but especially Julia!

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  • author
    Katherine McDonell
    May 03, 2021
    Very helpful

    Very friendly, helpful and knowledgeable staff.

    ...

  • author
    Jo
    May 02, 2021
    My interaction with all associates has…

    My interaction with all associates has been positive. I have worked with Julia Quirke mostly and she has been very helpful, supportive, informative and kind. She is helping me to get through this experience less stressful.

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  • author
    Corey
    Apr 28, 2021
    Miriam and Ryan were both absolutely…

    Miriam and Ryan were both absolutely amazing and patient with me. They answered all my questions and we're genuinely interested in helping. Give them a raise!

    ...

  • author
    Melissa Coco
    Apr 26, 2021
    Helpful

    Everyone was very helpful and informative. Miriam really took the time to explain the whole process to me in the Quality Review.

    ...

  • author
    Fernando Marques
    Apr 21, 2021
    They are all very well outstanding…

    They are all very well outstanding people, good job, helpful, very professional, very patient, kindly informed everything very clearly and precisely. Especially Miss Debbie Achin , Debt specialist. Appreciated his helpful and thoughtful suggestions and advices.

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  • author
    customer
    Apr 18, 2021
    My experience thus far has been…

    My experience thus far has been fantastic. This whole process can seem scary abs daunting to say the least and they have been patient as well as informative with all my questions. I feel very taken care of and as of right now I feel like I finally have someone in my corner to help me out of this debt.

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  • author
    customer
    Apr 11, 2021
    Overall pretty happy with my experience…

    Overall pretty happy with my experience so far. There were a couple of people I talked to sounded like I just woke them up and very bored.

    ...

  • author
    Cuthaleeya Chaturongkul
    Apr 04, 2021
    They are all very well outstanding…

    They are all very well outstanding people, good job, helpful, very professional, very patient, kindly informed everything very clearly and precisely. Especially Mr.Damion Montano, Debt specialist. Appreciated his helpful and thoughtful suggestions and advices.

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  • author
    customer
    Apr 01, 2021
    Satisfied with the help

    Satisfied with the help

    ...

  • author
    Eric C
    Mar 31, 2021
    Professional & Helpful From Day One

    Julia has been great to work with - from our first conversation she did an excellent job of walking me through the process and responding to any questions. If anything comes up along the way, she is always incredibly knowledgeable, helpful and responsive. She continually checks in as well which makes me feel like a valued client. It's been a pleasure working with her.

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  • author
    mbusiness
    Mar 29, 2021
    Wonderful experience

    Julia has been wonderful, this process can be stressful and worrisome but with her guidance she has helped to make this a better experience than expected. She is very helpful and informative, giving me step-by-step information on the process.

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  • author
    Mark Swann
    Mar 25, 2021
    It was a good time either way it worked…

    It was a good time either way it worked out for me to get a better idea of my bills.

    ...

  • author
    customer
    Mar 22, 2021
    Great customer service

    I was so relief after talking to Hector and understanding how my debt will be solved and I’ll be able to sleep again. Thanks for the help and for being so respectful.

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  • author
    customer
    Mar 21, 2021
    Joshua was ver helpful

    Joshua was ver helpful

    ...

  • author
    Ed Singer
    Mar 20, 2021
    Pacific Debt is doing a great job

    Pacific Debt is doing a great job. Their customer service is the best. They walk you through the entire process, leaving nothing behind. I also learned about this onlycreditbeast group directly from my debt relief officer, even though I have seen people also mention them on here. These people are experts at eliminating huge debts within just a short time. I mean that. Massive debt within just a short period. You will only have to spend a tiny cut of what you owe, and they will do their thing and get the debt out of your credit. Everyone should try them out, and you will be saving yourself money and time. I contacted them by texting their number 724 381 4028

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  • author
    Amos Christopher
    Mar 22, 2021
    Their Client Care Service is Top-Notch

    Their Client Care service is top-notch. My assigned debt relief counselor opened my eyes to some great insights. As at the time, my fiance and I had put ourselves in a lot of debt. And we had so much in collections as well. We were trying to buy a particular house at that time as we were expanding as a family. But our credit was down, and we had s short time, or we lose the house. Got in contact with these guys, who are experts at removing negative items, including debts off of credit reports, without having to pay off the entire amount. We didn't have to spend up to a quarter of what we owe, and these guys were able to eliminate the debt records within just weeks. So if you are running against time and need swift intervention, you should also talk or send a text to these guys: onlycreditbeast 17243814028

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  • author
    Keith
    Mar 18, 2021
    Best company in their field, highly recommended

    I've just started with Pacific Debt so the final outcome won't be known for months. However that being said, Hector was the first person I spoke to after showing interest and he was so helpful, friendly, and knowledgeable so I had no doubts about signing up with Pacific Debt to help get us back on the right track. With both my wife and I losing jobs due to Covid, and basically being forced into early retirement, we had more debt than income, having to rely on Social Security and retirement benefits from now on. We basically lost about 80000.00 in salary per year between us. The plan Pacific Debt has us on is affordable and hopefully will have us debt free in a couple of years. I have a much better outlook for the future thanks to Pacific Debt and would recommend them to anyone that is in our situation.

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  • author
    Windy Hastings
    Mar 18, 2021
    Professionalism on point.

    They are so professional and straight on point. The entire process I had to go through was completely laid out in front of me from the start. And in the process, I got to talk to Andrew of onlycreditbeast who helped me with some complex credit issues I was having at the time. Onlycreditbeast *17243814028 removed my negative items, after which i got back with pacific debt

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  • author
    customer
    Mar 17, 2021
    Custoner service is very precise and…

    Custoner service is very precise and procedure is explainable so I got reasonable processing. .

    ...

  • author
    Joe McRobert
    Mar 10, 2021
    Kindness, respect and professionalism go a long way.

    I'd like to express my gratitude on how professional Erin Cornford conducted the process along with her kind patience and respect for time and understanding of me and my families situation. I commend her on her explanation of what's to come and the satisfaction I will have once the process has been completed. She brings peace to me and my families mind. Thank you for allowing me to work with such a person. A raise would be a good thing. Had to mention it.

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  • author
    HUGH KNIGHT
    Mar 06, 2021
    So far so good

    So far so good. Still very early in the program to rate results however everyone at PD I have delt with so far I rate personable and professional.

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  • author
    Kelly
    Mar 04, 2021
    Took a leap of faith, glad we did..

    My fiancé and I have gotten ourselves into a mess we have been trying to untangle for a while, so we signed up with Pacific Debt and the whole process has been such a breeze! We figured we’d get a robotic, unfriendly person since that is what we are used to whenever we need to speak with a rep from any company, but not here... we got matched with Debbie and she is just so wonderful! Not only does she answer all of our questions with a great attitude but she puts us at ease, which is what we needed because this is a big decision to make. It just feels like we are chatting with a long-time friend who wants the best for us. We feel very grateful to have come across her. Not only do we look forward to the phone calls but she brightens up our days :-) thank you Pacific Debt but most of all thank you DEBBIE!❤️❤️❤️ Without your awesome personality we might still feel so stuck and hopeless. Thank you for giving us a plan with hope !!!!

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  • author
    Rosland Stokes
    Feb 26, 2021
    Everything about this process is first…

    Everything about this process is first class and excellent

    ...

  • author
    Denise B
    Feb 24, 2021
    Great customer service I was explained…

    Great customer service I was explained how the program works. Miriam Girmai was very pleasant and was very knowledgeable and very thorough in explaining to me what I need to do to make my experience a successful one.

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  • author
    Johen Maldonado
    Feb 23, 2021
    God sent company

    God sent company! in very trying times, they gave me peace of mind knowing i'm in good hands and well on my way to get out of debt the right way. I don't understand why isn't everyone in debt using their system. J.M.

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  • author
    customer
    Feb 19, 2021
    Very helpful and patient walking me…

    Very helpful and patient walking me through a very stressful process.

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  • author
    customer
    Feb 19, 2021
    Very helpful and accommodating.big help…

    Very helpful and accommodating.big help for peope like us.100% recommended.

    ...

  • author
    Chris Walters
    Feb 19, 2021
    They were great at explaining on the…

    They were great at explaining on the details it is a process but very informative excited to be debt free process is scary but they are very good at explaining everything

    ...

  • author
    Robin
    Feb 18, 2021
    A great experience

    What a great experience in dealing with them. They made it easy for me to discuss my situation with no judgments, only ways in how they can help me resolve my issues. I especially give a shout out to Julia Q. who was absolutely fantastic and took the time to explain everything in ways I could understand. I highly recommend them!

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  • author
    Paula Irwin
    Feb 13, 2021
    Everyone has been so helpful in the…

    Everyone has been so helpful in the process.

    ...

  • author
    Vida Nueva en Jesus
    Feb 12, 2021
    Thanks PDI

    I just started this journey with PDI and I must say the professionalism, the kindness, and dedication is an absolute indication that I'm in good hands and things will be handled smoothly. God bless this team!

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  • author
    JT
    Feb 09, 2021
    The process of handing over my debt was…

    The process of handing over my debt was a bit nerve-racking, but I was very pleased with Pacific Debt and their amazing customer service. They truly Care. Thank you Mattise and Julia for your professional support.

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  • author
    Saverio La Guardia
    Feb 09, 2021
    Great and wonderful experience

    Great and wonderful experience, Walter Moreno was the perfect agent to get me enroll in your program. Employees like him makes your teamwork very effective

    ...

  • author
    AV
    Feb 08, 2021
    Excellent service

    Excellent service. Staff very knowledgeable and caring. I would recommend this service to my family and friends. I feel a weight off my shoulders.

    ...

  • author
    Damaris Ocasio
    Feb 07, 2021
    Excellent process and service

    Excellent process and service

    ...

  • author
    M.F.
    Feb 06, 2021
    Excellent customer service and professionalism

    Pacific Debt was my choice among many providers because of their friendly, upfront and honest customer service. I was impressed that they did not claim "guarantees" for debt settlement, which others had attempted even though they are not allowed to do so. The process with the initial enrollment person was very helpful and thorough, and they offered me the best deal of anyone out there. My client success manager, Julia, has been very professional and helpful as well - walking me through all aspects of the process and answering any questions I've had. I feel that I am in very good hands with Pacific Debt and am so relieved to finally be taking control of my financial situation.

    ...

  • author
    CJS
    Feb 05, 2021
    Well presented potential benefits and…

    Well presented potential benefits and strategy to minimize debt via settlement negotiations and time and actions by associates on my behalf.

    ...

  • author
    customer
    Feb 04, 2021
    So far so good!

    Just started the process! So far so good. Communication is great! They walk you through the process and make you feel comfortable!

    ...

  • author
    customer
    Feb 02, 2021
    High pressure sales and scare tactics

    This solution might be helpful to others however once I got into the nitty gritty of what was happening I realized it was not for me. I was uncomfortable and when I made it clear I did not want to proceed the high pressure sales began. I tried to explain and respond to the questions as to why I did not want to move forward but was talked over and disrespected. I was mocked for having a low credit score, not having another immediate alternative solution, and because the salesman refused to listen to my explanation, to the point where he says "oh so it's your moral obligation?" I was asked " so why did you even bother calling ?" When I attempted to respond again I was talked over . At the point of determining this conversation that was not ever going to proceed in a manner that I was not being berated, I ended the call. I will be clear that the first part of this and getting signed up was very friendly and sympathetic I realize now this is so far from how this company truly feels about people in this situation. I think not raising your voice and belittling a client trying to walk away and say thank you but I'm not interested would be a great way to start a potential turn around. Simply a " We understand thanks for giving it a shot , come back to us at any point if you change your mind " would have been much more professional.

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  • author
    Peter Cave
    Jan 29, 2021
    understanding and supportive on our…

    understanding and supportive on our situation. And ultimately finding a solution for us Thank you!

    ...

  • author
    customer
    Jan 25, 2021
    Rian made this whole process awesome

    Rian made this whole process awesome! It's never easy admitting how far in debt you are but his reassurance was comforting.

    ...

  • author
    Arlene and Paul Werner
    Jan 24, 2021
    Very knowledgeable

    Very knowledgeable. Help and explained everything thru a hard time. Friendly.

    ...

  • author
    LAURETTA CASALE
    Jan 23, 2021
    I just began our experience with the…

    I just began our experience with the company and so far it’s been excellent. From Walter Moreno to Julia Quirke who explained everything to us, they were exceptional. Very helpful and courteous and extremely kind and friendly. Both phone conversations were perfect. I believe we made the right choice picking your company.

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  • author
    Sam
    Jan 22, 2021
    Julia is the bees-knees!

    Julia has been so amazing and helpful. I honestly would not have been this successful in the program without her. Julia was willing to help me out by listening to me when I was stressed about jumping into business with your team and listened to me when I was stressed about life in general. This pandemic has not been easy on anyone, but knowing that Julia was there when I needed her, was such a bright light for me. Thank you, Julia ❤

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  • author
    Suzanne
    Jan 19, 2021
    THANK YOU PACIFIC DEBT

    I was a little hesitant, scared & nervous about the initial program requirements but Julia made EVERY step of the way reassuring, promising and made me feel at peace knowing I was doing the right thing and there was nothing to worry about! Julia is the absolutely a joy, delight and blessing! She checks in every couple weeks and has an exuberant & super caring personality! I feel like I'm talking to my best friend! Thank you Pacific Debt for helping those struggling financially! I APPRECIATE YOU!

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  • author
    Andrea Smith
    Jan 15, 2021
    Julia Q and Pacific Debt

    I have been working with Julia Quirke over the past few months. She has really made something that is stressful into something that is not. She always checks in with me to see how I am doing and to let me know of my progress. She is so friendly and compassionate. She really feels like a new friend. My experience with Pacific Debt has been so positive and I am so grateful to everyone who is working so hard to help me resolve my debt. I am mostly grateful for Julia. She has been a true God sent!

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  • author
    Robin
    Jan 12, 2021
    The absolute best experience

    Been contemplating using Pacific Debt for a year and finally had no choice but to resolve my delinquent accounts. I can't say enough about them. They made the uneasy situation so easy. They are caring, considerate and most of all understanding to life's situations that would put someone in debt. I highly recommend reaching out to them if you find yourself in need of their help.

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  • author
    Shawn Stewart
    Jan 12, 2021
    Miriam provided great information on…

    Miriam provided great information on the call. She broke down all information that anyone could have understood. Excellent work!

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  • author
    Rebecca Johnson
    Jan 10, 2021
    Because I just enrolled in your program…

    Because I just enrolled in your program I didn't think I could give a 5 star rating at this time.

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  • author
    customer
    Jan 01, 2021
    The process so far has been smooth

    The process so far has been smooth. The customer services agent have been able to answer any questions and keep me updated of anything needed and when received.

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  • author
    T.F.
    Dec 31, 2020
    Happy we took the leap!

    Drowning in debt is not where anyone wants to end up. But having Pacific Debt support us and help us find a path out has been amazing. Our Client Success Manager, Julia Quirke, has been an invaluable resource, helping us to clearly understand the process in a non-judgmental and kind way. It's an incredible feeling to know there is a way out and you don't have to do it on your own.

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  • author
    customer
    Dec 28, 2020
    Pacific debt was fast

    Pacific debt was fast, easy and very helpful.

    ...

  • author
    Gerald
    Dec 18, 2020
    The representative and Pacific Debt

    The representative, Damion Montano, that I spoke to was very insightful, and was able to clearly answer every question that I asked. The debt relief options were clearly presented to me in a way that I was able to understand without further clarification. I would 100% refer anyone to Damion Montano, or Pacific Debt if they were in the same situation I am in.

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  • author
    customer
    Dec 13, 2020
    I just started this program and so far…

    I just started this program and so far it has been good

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  • author
    Casey Wootton
    Dec 10, 2020
    So far they have been very helpful and…

    So far they have been very helpful and kind. They work around our schedules and talk is through every step of the way.

    ...

  • author
    customer
    Dec 04, 2020
    Pacific Debt provides customers a…

    Pacific Debt provides customers a professional and low-stress experience as well as debt consolidation to assist in meeting their financial goals. Pacific Debt works hard to determine what will work best for each individual customer. They are very informative and counsel their customers on what to expect and what to do throughout the processes. Very happy with this service. :)

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  • author
    Ruby Meeske
    Dec 02, 2020
    I called one day my bills kept getting…

    I called one day my bills kept getting higher due to interest so much. i first started with richard then julia took over so sweet and kind and very helpful ..im very fortunate to have julia as my worker..she guided me step by step made me feel comfortable and not afraid no more... Julia is amazing and all staff members thank you so much. im very happy to go with pacific dept i will recommend you to all my friends and family im so happy now ..im part there now thanks to julia.yhanks ruby meeske

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  • author
    customer
    Nov 20, 2020
    Julia Helped Me Resolve My Debt Problems

    I was overwhelmed with debt after the pandemic hit the United States. I was deeply worried about gaining full employment again. That is when I decided to check into debt relief. I was fortunate to be associated with Julia at Pacific Debt. She was a delight to work with on my debt load. She answered all my questions so that I would not be left in the dark about the process. Her cheerful and optimistic attitude lessened my anxiety about entering the program. She did a suburb job with my transition from the initial phase of the program to the debt settlement phase. I am very thankful that I had Julia to guide me into the program. Because of her, I would recommend Pacific Debt Services to anyone wishing to resolve their debt concerns.

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  • author
    Sara Martindale
    Nov 19, 2020
    The gentleman who helped me out with…

    The gentleman who helped me out with the application process and is helping me did an amazing job at wording everything and making sure I understood everything. I'm very grateful for this company because I wouldn't know what to do if I couldn't find help.

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  • author
    Victoria
    Nov 18, 2020
    Working with Pacific Debt has been a…

    Working with Pacific Debt has been a gratifying experience. Miriam G. was very helpful. She was able to answer all my questions and explained the steps of the program thoroughly. She made me feel safe and in good hands when it comes to working with Pacific Debt. I couldn't ask for a better customer experience. Thank you!

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  • author
    Wayne Garner Sr
    Nov 16, 2020
    Pacific Debt works fast and efficiently…

    Pacific Debt works fast and efficiently and I feel so completely satisfied that I avoided bankruptcy!

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  • author
    customer
    Nov 14, 2020
    Quick and easy phone call

    Got everything explained i liked what I heard from person that I spoke he explained everything how is works

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  • author
    Drew
    Nov 12, 2020
    Excellent Program and There is a Way Out...

    Working with this program has made a positive impact for me and my finances. Julia, has been wonderful from day 1 and continues to be through the end of the program. Julia and her team are compassionate and truly understand the importance of helping out people like myself who need this type of support system and program. Thank you Pacific Debit for being a reliable and honest program.

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  • author
    Sam
    Nov 08, 2020
    Experience

    The rep. I spoke to was very polite and explained the whole process in great detail, also answered all my questions very friendly, 5 stars for sure , we are very excited about our financial future,finally.

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  • author
    Christina Moore
    Nov 06, 2020
    Happy Camper

    To start I was extremely upset (not a cryer). Walter was my first call, he stated things, i was too upset and hung up on him after briefly saying of I decide I will call back. With what progressed during that day got me even more upset, and I called Walter back in tears...Needless to say Walter calmed me down, was very patient, talked me down and through everything late into the evening. I Sind my documents, and now fast forward to my initial set up call with Mariam. She was an absolute joy over the phone and very patient as well. Never made me feel rushed, guilty/bad about myself, or any pressure. Explained everything in detail and repeated or walked me through all my questions. Both Walter and Mariam assured me over and over that they are here to help ME, and Pacific Debt is the company to trust. I can’t thank Walter and Mariam enough for all they have done for me and my anxiety. Pacific Debt, if you continue to hire people remotely close to the customer service that they both have, you will continue to be at the top for helping others in life situations. I look forward to being out of debt sooner rather than much much later. My GOAL is 2 Years, because of you all this is being made possible/reality.

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  • author
    Eva
    Nov 06, 2020
    I found Pacific Debt on the web

    I found Pacific Debt on the web. After reading reviews I decided to call them. That was best decision ever. They been very helpful especially Julia. She answered all my questions, help me going thru first months, she been calling me every couple weeks to check how I’m doing. I loved talking to her. Very fast they negotiated first settlement saving me a lots of money. I’m very happy that I decided to call them!

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  • author
    eudaldo trevino
    Nov 05, 2020
    It has been a great help that I received… specially from Julia Quirke !!!

    It has been a great elp that I received from Julia Quirke, who has been help me out with all kinds of questions and situations related to the program !!!, ....... I´m very thankful and glad to have this kind of help when it is most needed !!!

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  • author
    Michael Rodabaugh
    Nov 03, 2020
    Superb Customer Service

    Thank you for the ease in starting my debt program. Ms. Julia Quirke was very polite with superb customer service. Made the introduction to the program so easily understood. Her upbeat personality is a big asset for her company. She makes herself available for any questions and checked in with me every few weeks. Thanks Julia!

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  • author
    Evelyn Guerrero
    Oct 23, 2020
    Great!

    Miriam was great, she explain everything accordingly. Thank you.

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  • author
    Jay Ell
    Oct 22, 2020
    Pacific Debt was Fantastic

    Cedric and Riana were excellent and helped me through the process the whole way. Incredible experience and highly recommended!

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  • author
    customer
    Oct 19, 2020
    Customer service is great

    Customer service is great. They explained everything in detail to me. Thanks again.

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  • author
    Monica
    Oct 15, 2020
    I appreciate the follow through and…

    I appreciate the follow through and time to ensure that I understood everything. Debbie was very helpful and patient with taking her time and explain everything and answering any questions and concerns that I had. Thank you, Monica Perez

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  • author
    customer
    Oct 14, 2020
    Quick and painless

    Eva that I spoke with was fantastic. Answered everything quickly and efficiently. Great service so far.

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  • author
    Diego
    Oct 14, 2020
    You have true purpose

    You all do amazing work. Your work has actual purpose because there are people depending on you all to take some financial burden weight off our shoulders.

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  • author
    customer
    Oct 11, 2020
    I seem to be good I will see

    I seem to be good I will see

    ...

  • author
    Connie Burton
    Sep 30, 2020
    No more worries

    The communications from the beginning has been excellent. William Rick walked me through the process very clearly and was very knowledgeable in his answers. Reana was very clear in her instructions and reassuring. I have had my worries answered. I’m looking forward to the next steps. You have a great staff. Than you. Connie Burton

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  • author
    Billy K
    Sep 30, 2020
    I’ve attempted to cancel my program…

    I’ve attempted to cancel my program with Pacifuc Debt. I’ve spoken personally with two individuals both of who refused to cancel my policy. Then emailed customer service to cancel and have yet for revive a response. Stay away from these people, they will ruin your credit and then refuse to help you when you want out.

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  • author
    Kk
    Sep 30, 2020
    Great follow thru & helpful

    Great follow thru & helpful

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  • author
    Ian
    Sep 28, 2020
    Julia provided amazing personalized…

    Julia provided amazing personalized service. She did a wonderful job helping me navigate the initial period of the program, providing a clear and concise overview of the roadmap, timely updates on progress, and answering any questions that came up along the way. She's easy to chat with about any details that might need an explanation and puts your mind at ease throughout the process. I'm thankful I was paired with her and I would recommend her highly. Thanks again Julia!

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  • author
    Mr Eli
    Sep 27, 2020
    Debt Pacific staff was very helpful in…

    Debt Pacific staff was very helpful in simplifying things for me in regards to my mounting credit cards debt and interest accumulation . They guided me after months of stress due to Covid19 and the sudden unexpected loss of my job. I am I am choose them to resolve my debt with a simple plan that would help down the road to get my life back to normal. Thank you Pacific Debt .

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  • author
    Alan L Pyatt
    Sep 25, 2020
    I am giving you a 5 star so far

    I am giving you a 5 star so far. The actual renegotiating of my debt hasn't started as of this review.......but so far I am very pleased.

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  • author
    Wonder X
    Sep 25, 2020
    Julia was great through the whole…

    Julia was great through the whole process. She was always willing to take my call or answer my voice mail immediately. She also made me feel like a had a friend going through the proceedings with me. All of the people that I worked with was very professional and helpful and was always willing to answer questions without making me feel incompetent, which was great.

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  • author
    Jen
    Sep 16, 2020
    Pacific Debt Experience

    The team at Pacific Debt is professional, kind, patient, supportive and extremely helpful. I have to give an extra hats off to Julia. I have never worked with anyone that cares so much about providing not only extraordinary customer service, but to make sure your heart and emotions are supported during this process. You feel like you are walking through this with a friend. She is exceptional! Thank you Julia!

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  • author
    Angelina
    Sep 06, 2020
    This is my first month of service

    This is my first month of service. So far I have very good guidance and focus.

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  • author
    Joe McRobert
    Sep 03, 2020
    Professionalism and appreciation

    Although this is a long term fix Miriam Girmai made this a painless process. She was able to provide useful yet concise information in a very professional way. I am actually will to tell a few friends and family to look into going this route. thank you and really do appreciate working with someone with the ability to assist us with our debts.

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  • author
    Gina
    Sep 02, 2020
    My experience with Julia at Pacific…

    My experience with Julia at Pacific Debt has been excellent! Julia goes above and beyond for her clients, she makes you feel like she’s known you for years and yinz are very good friends She made me feel so comfortable and confident as I progressed through the program! She’s always available when I had a question or a concern and she never rushed me off the phone it’s important to her that I was good with my concerns/questions! Julia is the best customer service agent I’ve ever had the pleasure of working with! She really cares! THANK YOU JULIA!!!!!

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  • author
    Glor
    Sep 01, 2020
    Grateful

    I was in an embarrassing financial situation. I worked with Julia Q. She is incredibly knowledgeable , so kind. Never once made me feel like a fool. She was professional and supportive to me during a time I felt so alone. Constantly reminding me there is a light at the end of the tunnel. Now things are looking up! I am so grateful.

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  • author
    DAD
    Aug 30, 2020
    The Best and Honest.

    Excellent and Expert to talk to people with normal English language that is understandable for normal people.

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  • author
    K.L. Kennedy
    Aug 29, 2020
    The staff at Pacific Debt are extremely…

    The staff at Pacific Debt are extremely helpful and courteous. So far my experience with them has been nothing but positive!!!

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  • author
    Lisa Robinson
    Aug 27, 2020
    Eva Luz exceeded my expectations

    Eva Luz exceeded my expectations. A true professional with a heart of gold!

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  • author
    Jackie
    Aug 27, 2020
    Very Pleased So Far

    I was having a very hard time making ends meet and finally realized that I needed help. Not the place that I wanted to be at this point in my life but Julia was always there to assure me I was making the right decision. She is always available at a moments notice to answer any questions or concerns that I may have. She knows exactly how to approach a situation with a solution that works for me. She has the best personality. Thanks for everything Julia!!

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  • author
    Anastacio Caldera
    Aug 24, 2020
    Justin was understanding and took the…

    Justin was understanding and took the time to explain everything to me in detail, he also understood when I had to call back due to my kids needing my attention and and would let hang up and call back when I wasn't busy.

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  • author
    customer
    Aug 17, 2020
    I was very pleased with the attention…

    I was very pleased with the attention my financial needs were given by Julia. She went through all the policies and procedures professionally and answered all my questions. I am very satisfied with the program and my participation in it. I look forward to working with Pacific Debt to resolve all issues and a new financial start.

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  • author
    RUBY MEESKE
    Aug 12, 2020
    Pacific dept employees are so kind and…

    Pacific dept employees are so kind and generous and walked me threw the whole thingthanks richard and julia and all staff for taking the time to help ruby messke

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  • author
    Lee
    Aug 06, 2020
    Very friendly and attentive staff

    Very friendly, personalized service. Staff made sure I knew every detail about the program, and answered all my questions.

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  • author
    Chuck Sterling Smith
    Aug 06, 2020
    Thus far, 5-Star!

    I cannot write an accurate review of Pacific Debt as a newly enrolled participant in their program. Conceptually, it appears the plan will work well for me. Michael Dulatre was professional, informative and very thorough in his explanation of how the program works and how it will benefit me long term. Riana Agliam was also very professional and thorough with her on-boarding Welcome call. So far, I would rate the program 5-Star. But having just enrolled and not having the full Pacific Debt experience to rate, I can only hope that Pacific Debt can maintain a 5-Star rating. I look forward to great results if everything goes as proposed.

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  • author
    customer
    Aug 03, 2020
    The initial sign up went smooth but…

    The initial sign up went smooth but after was a different story. I was told to cancel any automatic debits from my account and qell that didnt work. So not only am i out the money they pulled from my account but now im out the money the other company pulled as well. I was also told I would get a phone call from someone from the company to walk me through everything and have yet heard from anyone. Last but not least I cant get into my account the money is on. I should have listened to this other review i read where this person stated we can get out of debt on our own by settling these accounts ourselves and setting money to the side as well.

    ...

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