Pacific Debt Review

Pacific Debt is a company founded to address the epidemic of consumer debt across the United States. This is a detailed account of the pros, cons, and services that Pacific Debt offers. Everything you need to know is covered in this Pacific Debt review. You’ll be able to decide whether the company has the right debt solutions for your unique circumstances. This Pacific Debt review is especially intended for readers who would like to retire by the time they turn 37. It’s an exploration of how this company can help you achieve that goal.

Pacific Debt Company Overview

The internet is populated by positive Pacific Debt reviews. This debt settlement company helps people dealing with at least $7,500 of debt. When you enroll in the company’s program, a dedicated representative is assigned to your case. Each program lasts between two and four years. Before fees, you can reduce your total debt by a maximum of 50%.

  • Minimum debt required: $7,500 worth of total debt with a minimum of $500 in every account enrolled
  • Average debt: At least $10,000
  • Fees: 15% to 25% of the debt you enroll into the program
  • Timeframe: Between two and four years
  • How much you are likely to save: Debts can be reduced by up to 50%

How It Works

The first step is to call the Pacific Debt company for a free consultation. You’ll speak with a trained, knowledgeable representative who will explain your potential options. Debt settlement is one of these options. During the call, the representative will give a soft credit check to view your accrued debts. Debt settlement programs can only take on unsecured debts. Unsecured debts are debts that aren’t tied to potential collateral, like your vehicle or house.

You might also like: 10 Best Debt Settlement Companies in 2018

Debt settlement programs have a stipulation in which you stop repaying your creditors. Instead, your payments will enter an account that Pacific Debt sets up and monitors. You’ll be informed about the impact this will have upon your credit score. As a long-term solution, successfully enrolling in a debt settlement program will reduce your total debt-to-income ratio. That said, the settlements will be a part of your credit history for several years.

After joining, you’ll be paired with an expert representative who will keep you abreast of the negotiation proceedings. You’ll also be able to monitor your company accounts through the user dashboard.

Pacific Debt offers programs that last for between two and four years. In total, the debt reduction could be up to 50%. You will need to pay fees to the firm. The fees are proportional to the amount of debt that you enroll in the program. Typically, you’ll pay between 15 and 25 percent of your debt, which are favorable numbers in a Pacific Debt review.

These fees are added on top of the settled debt. This means that even if you reduce your debt by 50%, you’ll still end up paying between 65% and 75% of the debt’s total. Keep this in mind when you’re planning your budget and payments.

Benefits of Using Pacific Debt

  • Up to 50% of your debt is settled by the company;
  • Even though you pay 15% to 25% of your debt in fees, this is a lower percentage than some other debt relief companies charge;
  • A trained representative handles all of the debt negotiations and settlements for you;
  • You’re given access to an interactive and intuitive member profile, from which you can monitor all of your accounts;
  • The program is completed in two to four years, putting you on track to get out of debt and retire by age 37;
  • The company has been negotiating debt settlements since 2002 and has AFCC and IAPDA certifications;

What Are the Risks?

  • Debt settlements will be a permanent part of your credit report for several years, but this is true for all debt settlement companies rather than just this Pacific Debt review;
  • You must have at least $7,500 in unsecured debts; if you don’t meet this minimum requirement, you will need to go through a different company or credit counselor;
  • Each account must meet a minimum of $500, so if you don’t have this money to spend, you’ll need to use a different company instead of relying on Pacific Debt reviews;
  • You will need to pay between 65% and 75% of your debt’s total by the end of the program, which should be factored into your financial plans;


A person might have $10,000 in unsecured credit card debt because the spending just got out of hand. Upon enrollment in the Pacific Debt program, they might enroll all $10,000 in debt. After depositing a minimum of $500 in their account, the customer’s debt would become Pacific Debt’s responsibility.

Recommended read: 7 Ways to Avoid Personal Debt

Pacific Debt reviews should note that all negotiations would be done by an experienced customer service representative. The company could get the debt down to as little as $5,000. The client would pay each card off one at a time, along with their $1,500 company fee. In total, they’d pay $6,500 over three years instead of $10,000.

Useful Info

Contact Details:

  • Phone: 877-722-3328
  • Email:
  • Fax: 619-238-6709
  • Website

Steps to Enrollment:

  • Receive a free consultation regarding your debt.
  • If you qualify, enroll in the program.
  • Create a member account with the website.
  • Login to the member portal to manage your accounts.

Bottom Line

Pacific Debt is an excellent option for people struggling with $10,000 or more in unsecured debt. Their two-to-four year programs can reduce your enrolled debt by up to 50%. Each case is assigned a knowledgeable customer service representative to handle creditor negotiations. Because of the combination of low fees and short program times, Pacific Debt can help you get on track to retire by age 37.

Have you ever used Pacific Debt? Were your experiences similar to the ones in this Pacific Debt review? Let us know if you have any thoughts or questions that weren’t covered in this Pacific Debt review.

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