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BestMoney.com
Pacific Debt Review
Reviews 1,040
Pacific Debt
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Pacific Debt
Pacific Debt
Excellent
Reviews 1,040
Bestmoney Staff
Jan. 20, 2021
2 min read
BestMoney Staff
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 by
Bestmoney 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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Trustpilot reviews
See what some costumers are saying about Pacific Debt
Pacific Debt
Excellent
Reviews 1,040
on
Excellent
82%
Great
13%
Average
2%
Poor
1%
Bad
2%
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julie hitt
2 days ago
Great customer service!
Great customer service!
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paul
2 days ago
The manager gave clear information on…All concerns put to rest!
The manager gave clear information on the process and what was expected from me. Very patient manager as he answered all my questions and concerns.
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renee bock
4 days ago
Rian was so informative and helpful.
Rian was so informative and helpful.
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customer
4 days ago
They explained everything perfectly
They explained everything perfectly, and made it all easily understandable
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customer
5 days ago
Relief and peace
Nice to talk to.
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michelle r crick
7 days ago
It was easy and he was very…
It was easy and he was very understanding and helpful
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anonymous
8 days ago
Its been an amazing experience
Its been an amazing experience! Julia from customer relations has been wonderful and answering any questions I had. They responded very quickly and kept me in the loop of everything that was going. I felt very comfortable and walked through every step of the way. Highly recommend if your looking for a company to help you.
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alice lefebvre
9 days ago
So far
So far everything has gone well. The representatives are extremely helpful guiding us through the process.
A
annie
12 days ago
Talk to Julia Q!!
I would highly recommend Pacific if you're going through a tough time with creditors. I came to Pacific Debt Relief in a financial crisis and after I had done substantial research into my options to resolve it. I also talked with 3 other debt settlers and eventually decided on Pacific. They were the only company that didn't hound me to sign or try to sell me. They explained that they work on the "aggressive" creditors first and try to avoid further harm to your situation from a creditor filing a case against you in court. Other settlers will try to write off smaller accounts first but it will leave you exposed to a bigger creditor making your life more miserable. Once I signed with Pacific, I began working with Julia to formulate a plan to dig myself out. Julia could not be more kind, compassionate and understanding of my situation. Though our conversations never last very long, I always feel extremely supported and grateful to have her on my side. She is super responsive and helpful. She even gave me tips to have more peace of mind during the process. Since I turned over the controls to Pacific, I have been sleeping better. I'm solely focusing on doing my part, while leaving the messy negotiations to Pacific. I would highly recommend Pacific!
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customer
13 days ago
Debbie was very helpful In providing me…
Debbie was very helpful In providing me with all of the information I needed to make an informed decision.
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customer
13 days ago
The worker was very professional and…
The worker was very professional and patient with me.
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clara valle
15 days ago
Best Customer Service ever.
You have the best employees in Customer Service. I was lucky to meet Hardley Sher, he took care of my case with interest, very professional, clearly explained the program to me and right away put all the resources to action. I was surprissed how fast he took care of my paperwork making very smooth the transition to the program. Thanks Hardley for all your help. Sincerely Clara
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ellen lynn
16 days ago
So far good
So far good , I just enrolled Friday 1-20-2023
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customer
16 days ago
I’m so grateful for this program and…
I’m so grateful for this program and everyone on team has been very informative and thorough.
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debra carter
16 days ago
So far so good
So far so good. I just enrolled so I have no experience to share. I will come back and update and things progress
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jr
17 days ago
Very informative and knowledgeable.
Very informative and knowledgeable.
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customer
17 days ago
Amazing customer service
Amazing customer service. The man was very helpful and explained everything in detail.
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rhonda kopyscinski
22 days ago
Very, very helpful!
Very, very helpful!
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chuck
25 days ago
to early to tell
To early to tell ask in about 3 months, then I can give u an assessment.
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eduardo diaz
a month ago
Irma was amazing she totally understood…
Irma was amazing she totally understood my situation and always on top of all my debt
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glenda rosario
a month ago
IRMA-REPRESENTATIVE
IRMA-REPRESENTATIVE I was struggling financially, and I was a little skeptical starting the process. I was connected to Irma. From the first call Irma was upbeat, friendly and made me feel comfortable. Irma explained each step and made me understand the process. Everything has worked out thus far and am so grateful that she helped me along the way.
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satisfied customer
a month ago
Very helpful
Going through this can be a very stressful experience. Everyone I have spoken with at Pacific Debt Relief has been very professional and helpful. They have made me feel like there was a light at the end of the tunnel and they would help guide me to it. Would definitely recommend.
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sandra
a month ago
The initial call was great everything…
The initial call was great everything was explained very well and Debbie was very thorough she is wonderful.
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ronda ortega
a month ago
I was beyond stressed!
I was beyond stressed! I called, luckily reached the most helpful person I've ever dealt with in my life. Debbie Achin, saved my sanity with her knowledge, kindness and patience. After her was my success Mgr. Michael Fowler, also exceptional. I needed help WITH KINDNESS at that exact moment. That is what I received
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customershelley beasley
a month ago
Customer service
Customer service
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shirlesha
a month ago
Holly is more than friendly and…
Holly is more than friendly and understanding! I love her customer service and glad she’s here to help me.
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gino gorrichategui
a month ago
You guys are awesome
You guys are awesome, Rian did so great! I already share with family member and friends! Thank You!
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staci heflin
a month ago
I have the pleasure of working with…
I have the pleasure of working with Eric Bluehawk. He is very detailed and courteous! I feel I’m in great hands so far
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sandra
a month ago
My Experience has been Excellent!
My Experience has been Excellent! It began with Gabriel; He was very reassuring and informative! From there I was instructed by Julia, She was phenomenal! She went above and beyond to answer all my questions. She gave me much needed assurance and throughly explained ALL that would be required of me and received by me from the company. Julia's knowledge, coupled with her encouragement, gave me the confidence to move forward. Thus far, I am extremely satisfied with my service!!! Thanks Gabriel for the great start; Julia for working patiently and professionally with me and presently, Samantha, who has already shown tremendous competence to help me reach my goal!!!
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tony
a month ago
Julia
Julia Quirke was always understanding and supportive. She always took the time to make sure I understood and was comfortable with the process. I’m so glad I had her as a rep.
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customer
a month ago
Great start to the process
I spoke with Debbie. She was very helpful in getting the process started. I have had a lot of anxiety going into this, but I feel that this company will be there every step of the way with me and it’s helped to ease some of my concerns.
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robert trujillo
a month ago
After I joined left in the dark . Not sure l made the right decision joining this company
After I joined left in the dark . I may have misunderstood what l was told. Today everything was explained and was given the opportunity to ask any questions and they were all answered. I was also given several phone numbers if l had any questions. Service was excellent.
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customer
a month ago
Care
The process was short,caring, and understanding.
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vincent fiore
a month ago
Great experience
Complete simple straight forward explanation and guidance.
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john ha
a month ago
Great customer services.
Great customer services.
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customer
a month ago
Professional and patient
Professional and patient
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patrick o
a month ago
Excellent organization
From the time I contacted them and spoke to Deb, I knew I had made the right choice. She explained everything very clearly as for what to expect. Working with Julia for the majority of the time was a true pleasure. What a nice, caring and extremely organized lady! Finally, Janet handled my settlement and I couldn’t have asked for a better resolution. This is a very well run company with people who are good at their jobs and truly want the best outcome for the client. While it is not a fun experience to have to go through, they all make it as painless as possible
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nancy orr
a month ago
Brooke was very helpful
Brooke was very helpful, she wanted to make sure we understood every step of the process. She was knowledgeable about what they could help us with and how to handle other things.
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customer
2 months ago
The person I initially talked to was so…
The person I initially talked to was so very helpful. And also Eric is great too.
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james camp
2 months ago
Elise was kind and very helpful
Elise was kind and very helpful. She knew exactly how to solve my problem!
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melinda
2 months ago
Good people
Good people, trusted them completely.
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abram patterson
2 months ago
They genuinely Care about you
They genuinely Care about you! Eric Bluehawk was great to work with and communication was constant and very helpful throughout the process!
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stacy lynn
2 months ago
Highly Recommend
Customer Service is top notch! From the very first call until now (five months in) Julie and Nicole have been incredible to work with. They’ve been there to answer any questions or concerns I’ve had during this very scary time. I wish I had done this debt consolidation sooner but I’m glad I researched and got the best company for the job. Highly recommend!
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crystal dewitt-hinkle
2 months ago
Such a great experience
Julia made me feel confident and reassured and focused on my goals of getting debt free. She was helpful and kind the whole step of the way.
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justine adley brown
2 months ago
The representative i was working with…
The representative i was working with left the company and i was not notified. Instead, i was called constantly by numerous employees. In taking the step to move forward with your program, give people time to think about it instead of hounding them with calls. It is a BIG step to make.
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customerallison
2 months ago
we went over all options i was never forced to choose a bad options
we went over all options i was never pushed into anything i was allowed to express my concerns and the time was taken to help m
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customerjoseph lein
2 months ago
You instilled a level of trust I had…
You instilled a level of trust I had not experienced in other companies.
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customer
2 months ago
They never got back with me makes it…
They never got back with me makes it seem very much like a scam
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debi clark
2 months ago
If this works out it will be great
If this works out it will be great, too early to tell but Rian was very informative and helpful. Will update once I see results
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new customer
2 months ago
New Client
I'm new to this and was nervous about speaking with someone, but so far the customer service representatives have been so nice and helpful. I feel more confident about becoming debt free.
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customer
2 months ago
Excellent customer service
Excellent customer service
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queeny mae dasilva
2 months ago
SCAM - stay away from this business
SCAM. They use the front Pacific Debt but they will transfer you to a different company called CLEAR ONE who has a LOT of bad reviews! They will talk you out into joining the program and once they're done, they will NOT help you get your account canceled. I've been on hold for an hour now to cancel my account with CLEAR ONE because obviously PACIFIC debit washed their hands OFF it. Stay away from this company. I should have listened to the the other reviews saying you're doing this but I put my trust thinking you already had this sorted out. PLEASE HAVE CLEAR ONE ADVANTAGE CONTACT ME TO Cancel this program!
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customer
2 months ago
Helpful with debt
Very helpful with all my questions.
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customer
2 months ago
I felt a little pressured
I felt a little pressured. Concerned about my credit score. Not sure how long it takes to contact my creditors advising them that I am doing this. I am excited to get my bills paid off in a short amount of time.
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customer
2 months ago
A good answer for my mental health
A good answer for my mental health. Praying that it will work out for me.
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customer
3 months ago
The guy that helped me was really…
The guy that helped me was really understanding. He answered any questions I had.
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laverne taylor
3 months ago
My agent is Holly Wood and she has made…
My agent is Holly Wood and she has made this stressful situation so very easy and paianless for me to understand. I had a LOT of anxiety over making this decision However after the welcome phone call with Holly I feel so much better and at ease. i know this is going to be a long process but i feel i am in good hands with pacific Debt relief
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mike romeo
3 months ago
We had the best experience with
We had the best experience with Ms. Henslee. She made us very comfortable. She put our nerves at bay. I would recommend this program to anyone that was in the trouble we had got our selves in.
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carl f. allen
3 months ago
Telephone informational interview when…
Telephone informational interview when smoothly and every detail of the plan and contract was explained in great detail.
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phyllis scott
3 months ago
So far everyone has been very helpful…
So far everyone has been very helpful and encouraging.
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customer
3 months ago
So helpful and understanding
Brooke was absolutely wonderful to work with! She took the time to listen, understand, and walk me through every step of the process! I can’t thank her enough!
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customer
3 months ago
Very helpful
Very helpful, presented different options, help me make the best decision for my situation. Explained every thing in detail and encouraged me to ask questions.
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customer
3 months ago
Trustful partners
They really take thier time to walk you through everything so you can understand.
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rhonda milligan
3 months ago
Knowledge and courtesy
Knowledge and courtesy
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margaret frankevich
3 months ago
The representatives were very helpful
The representatives were very helpful. They answered my questions and they were very patient with me. I appreciate that very much.
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customer
3 months ago
Always a pleasure speaking to anyone…
Always a pleasure speaking to anyone here at Pacific Debt Relief
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becky anderson
3 months ago
I have worked with Rian and Victoria…
I have worked with Rian and Victoria and both were very helpful and compassionate for my situation. This is never a pleasant experience going through tough times but both were respectful and very thorough in explaining how this process works.
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customer
3 months ago
Open and honest about the company its…
Open and honest about the company its intent its fees, the communication. Has this occurred? Too early in the game to tell. Introductory into the program, answering my questions and acknowledging what sets them apart from other similar companies which has my husband and I blood boiling right now. Michael Fowler truly listened to my concerns. Time will tell if these issues were address to satisfactory.
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mary morgan
3 months ago
Everything I was told.
Mr. Rian Twomey was very polite and helpful. He made the whole process very easy and understandable. Thank You Rian.
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stephanie hasecuster
3 months ago
We are amazed with Pacific Debt
My husband and I are amazed at how simple it has been to work with Victoria Hudson and Pacific Debt to resolve our financial problems. Victoria is so knowledgeable and kind. She thoroughly understands the program and has diligently worked with us to explain the process. Victoria has made a few changes, at our request, regarding our draft date and some creditors. She respected our requests and easily honored our wishes. Victoria is professional, yet friendly. She streamlines each step of the program and is empathetic to our needs. She is always pleasant and is always available for us. Victoria is a great listener and doesn’t judge. She praises Pacific Debt Inc. and has wonderful compliments regarding her company. We feel very comfortable around Victoria and she treats us like family. Don’t hesitate turning your debt concerns over to Pacific Debt/Victoria Hudson, should you find yourself struggling. Victoria will put you at ease and allow yourself to sleep and rest without worry!
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robert h
3 months ago
Great customer service
Talked to Vince originally and he explained the program and how it worked making sure I knew what to expect I then talked to Victoria who went through everything making sure I knew exactly what would happen throughout and what to expect. She followed up every call with emails. Both were awesome and I appreciated that
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customer
3 months ago
It was fast and easy to enroll and get…
It was fast and easy to enroll and get started
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tina edwards
3 months ago
Victoria has been amazing and so…
Victoria has been amazing and so helpful throughout this whole process. I was so nervous to do this but it has been so easy and she is always there if I have any questions.
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diana
3 months ago
Very knowledgeable
Very knowledgeable, thoughtful and kind. I have full confidence in Pacific Debt to guide me through this process and do their part to help me get out of debt fast. Thank you PD!
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deanna b.
3 months ago
Quick and Easy
I was very happy with the consultant. Richard Wilkins was thorough with his help and my concerns. I felt the company was out for my better well being.
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pulcheria willie
3 months ago
I am at the beginning Of the program…
I am at the beginning Of the program but the mannerism,honesty and explaining the process in lay-men terms made it easy for me to make a decision. I look forward working with them to help me
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shera
3 months ago
Great service
Pacific debt has been a huge relief for me. Eric Bluehawk was a great case manager for me. He always immediately answered my communication efforts and was very helpful and kind. Thanks for the superb service so far.
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amanda russell
3 months ago
My worker Victoria Hudson
My worker Victoria Hudson. She is a blessing to work with while navigating through this crazy experience. I really appreciate all she has done to help me understand this whole process.
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lois blouin
3 months ago
The people that I have talked to were…
The people that I have talked to were very helpful and understanding of my debt problem!
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dawn
4 months ago
My experience was great
My experience was great
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h.
4 months ago
My agent was super helpful and was able…
My agent was super helpful and was able to answer all of my questions and concerns. She patient with me put me at ease when I was nervous as I was going through the early stages of the settlement process.
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joshua
4 months ago
It feels great to get to the…
It feels great to get to the negotiation process and see progress actually happening.
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alan
4 months ago
Great customer service.
Great customer service.
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nalu
4 months ago
everything is going as planned
everything is going as planned
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erick b
4 months ago
Very impressed!
I am very impressed by the kindness and professionalism of Pacific Debt. It's quite remarkable, actually. I appreciate the detail of discussions, advice, &c., and felt that I was in very good hands. The security features are good as well and understand that my privacy and integrity are important to PD.
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customer
4 months ago
The rep was patient and understanding
The rep was patient and understanding. This was a super quick process and helping of the situation I had
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hannah
4 months ago
Julia was SO reassuring and helpful…
Julia was SO reassuring and helpful every step of the way. She answered any questions I could think of with no hesitation and always responded to me in a timely manner. Having someone so understanding help you through a new situation such as this was so comforting.
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donna freeman
4 months ago
Very professional
Richard and Jacob were very helpful and understanding to my situation. They made me feel comfortable in an uneasy experience.
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customer
4 months ago
Excelente manejo de información y…
Excelente manejo de información y propuesta de soluciones .
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jonathan bryant
4 months ago
Representative was vary helpful
Representative was vary helpful and understanding
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richard collins
4 months ago
amazing
every fear i had was gone after talking to Brooke and she explained in detail. glad i followed through
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heidi s.
4 months ago
Pacific Debt has been doing a great job…
Pacific Debt has been doing a great job of making a difficult situation much easier to handle! Special thanks to Irma M. for all of her tireless efforts in making sure she had all of the information necessary for successful negotiations! Much appreciated!
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meza paola
4 months ago
Irma Montenegro has been a great…
Irma Montenegro has been a great advisor answers all my questions and gives me reassurance that everything is working out great. She has helped me not loose my mind with all the crazy phone calls from the banks. Truly a pleasant experience under all the pressure from the creditors.
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viva stephens
4 months ago
The past 3 years have been tough but I…
The past 3 years have been tough but I found new hope with Pacific Debt Relief. Great customers services and so helpful. Julia Q is one awesome lady and very informative. I looked forward to her calls. Keep hope alive!
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andy
4 months ago
Worked with Debbie and Josh
Knowledgeable, friendly, helpful and experienced in assisting me with all of my questions/concerns.... Both Debbie and Josh were very able and ready to help me start this journey. They both made me feel like I've certainly chosen the correct group to help me improve my debt situation. Thank you both very much. Andy Indiana
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customer
4 months ago
I got hurt during COVID and had to have…
I got hurt during COVID and had to have surgery's 2 to be exact I had a 100 paying history which I was very proud of and I just started to get behind and couldn't afford all and everything I needed so I spoke with a friend and they told me about to this program she was in and I called and the lady who helped was name calie and she listened to me and I was so happy and she was the absolute best. Patience was so awesome. Thank you for hiring her. The best is what I received from your company. Mrs. Crystal Culberath
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mary anders
4 months ago
Pacific Debt Brooke
I was thoroughly impressed with the patience and understanding that Brooke showed me during our conversations. I suffer from anxiety and she put me at ease through the process.
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customer
4 months ago
Julia was fantastic to work with
Julia was fantastic to work with. She is so kind and reassuring, and she made what could have been a very stressful process feel safe for me. I couldn't be happier with the level of service she, and Pacific Debt provided, as well as how quickly I saw results!
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terry f
4 months ago
Work with me and helping to my account to a payable number Thank you
Had to much debt could not do it myself had to find better way
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vickie
4 months ago
Care one did it again!!!!
I called care one credit and they put me in touch with pacific debt. I talked with a lady about my debt, and she did a soft pull of my credit and figured out how much debt I had, and what it would cost me per month to get on the debt free plan. I told her that because I am on a fixed income that that should work, and here I am, on my way to being almost debt free.