Debt can be a burden that grinds down your mental peace, but there are solutions. One of them is Pacific Debt Relief, a debt settlement company that has been helping people get out of debt since 2002. Their priority is to help consumers regain financial freedom through debt settlement programs, credit counseling, and consolidation services.
In the case of a sudden medical emergency, job loss, or other circumstances, debt relief can be a lifeline. They provide a structured and legal way to manage and clear your debts. You will not only reduce your financial burden but also reach financial stability.
At first glance, Pacific Debt Relief impresses with its A+ rating from the Better Business Bureau and its standing as an accredited member of the American Fair Credit Council. They have a transparent approach and provide personalized service, which is a good sign.
Pacific Debt Relief Company Overview

Established in 2002, Pacific Debt Relief (PDR) has been in the industry for nearly two decades. The company has helped settle millions of dollars in consumer debt and has earned a solid reputation for its services.
Pacific Debt Relief’s mission is to provide the highest quality credit card debt relief program in the industry. They place a high value on customer satisfaction, transparency, and integrity, aiming to provide an affordable path to financial freedom for their clients.
Range of Services Offered
In addition to debt settlement, the company provides a free consultation to assess your debt relief options, your financial situation and recommend the most appropriate course of action.
Pacific Debt Relief Services
Debt Settlement
This is the primary service offered by PDR. They negotiate with creditors to reduce the total amount of debt owed by the client.
Process of Applying for These Services
The application process is straightforward. Interested clients fill out a form on the Pacific Debt Relief website, after which a debt counselor contacts them for a free consultation.
Comparing Pacific Debt Relief to Other Debt Relief Companies
Pacific Debt Relief compares favorably with similar companies in terms of its comprehensive services, reasonable fees, and high customer satisfaction ratings.
When evaluating debt relief companies, it is important to consider the cost of services, the range of services offered, and the quality of customer service. There is no doubt that Pacific Debt Relief scores highly in all of these areas.
Customer Reviews and Testimonials

Many customers praise Pacific Debt Relief for its professional service and successful debt settlement. They appreciate the empathetic and knowledgeable staff who guide them through the entire process.
Overall, the positive reviews outweigh the negatives, indicating that most clients of Pacific Debt Relief are satisfied with their services and results.
Pricing and Affordability
Pacific Debt Relief charges a fee based on the amount of unsecured consumer debt you enroll in and the state in which you live. They only charge this fee after they have successfully settled your debts.
Compared to industry standards, PDR’s fees are affordable and competitive, making them a good option for those seeking debt relief services.
Customer Service
The Pacific Debt Relief program prides itself on delivering excellent customer service. They assign a personal account manager to each client, ensuring personalized attention and service.
PDR’s customer support is available via phone and email. They are known for being responsive and providing timely support to their clients.
Pros and Cons of Pacific Debt Relief
- Pros: Pacific Debt Relief offers quality services, competitive pricing, excellent customer service, and a high success rate in settling debts. They are also transparent in their dealings and provide personalized attention to each client.
- Cons: Some drawbacks of Pacific Debt Relief include the potential for a temporary decrease in credit score and the fact that their services are not available in all states. Business debts do not qualify.
Conclusion
We’ve looked at PDR’s history, services, pricing, customer service, and customer reviews. Overall, the company offers solid, reliable debt relief services.
While it’s difficult to say definitively whether Pacific Debt Relief is the absolute best in the industry, its certified debt specialist program services are undoubtedly among the finest. This is due to their high-quality services, customer satisfaction, and competitive pricing.
Pacific Debt Relief Review: FAQs

What is Pacific Debt Relief?
Pacific Debt Relief is a debt settlement company that helps individuals struggling with unsecured debt such as credit cards, personal loans, and medical bills. They negotiate with creditors on behalf of their clients to reduce the total amount of debt owed.
How does Pacific Debt Relief work?
Pacific Debt Relief works by assessing your financial situation, setting up a personalized savings plan, and negotiating with your creditors to reduce the total amount you owe. Once a settlement is agreed upon, you pay the reduced amount from your savings account set up through Pacific Debt.
How successful is Pacific Debt Relief in reducing debt?
Pacific Debt Relief has a successful track record, with many clients reporting reductions of their overall debt by 50% or more. However, results can vary based on individual circumstances and creditor’s willingness to negotiate.
What kind of debts can Pacific Debt Relief handle?
Pacific Debt Relief specializes in unsecured debts such as credit card debt, personal loans, and medical bills. They do not handle secured debts like mortgages or auto loans.
How much does Pacific Debt Relief charge for its services?
Pacific Debt Relief charges a fee based on the amount of debt you enroll in and the state you live in. The fee typically ranges from 15-25% of the total debt enrolled.
Is Pacific Debt Relief a legitimate company?
Yes, Pacific Debt Relief is a legitimate company. They are accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators.
Will using Pacific Debt Relief hurt my credit score?
Using a debt settlement service like Pacific Debt Relief may initially lower your credit score as you are advised to stop making payments on your debts while they negotiate with your creditors. However, once debts are settled and paid off, your credit score may improve over time.
Can I be sued by my creditors while using Pacific Debt Relief?
While Pacific Debt Relief works to negotiate with your creditors, there is still a possibility that a creditor might choose to sue for the collection of the debt. However, this is a risk with any form of debt settlement or consolidation.
How long does the debt settlement process take with Pacific Debt Relief?
The debt settlement process usually takes between 24-48 months with Pacific Debt Relief, depending on your specific financial situation and the total amount of debt.
Is Pacific Debt Relief the top in the game?
Pacific Debt Relief consistently ranks high in reviews for its customer service, reasonable fees, and successful debt reduction results. However, as with any financial decision, it’s important to research and compare multiple options to determine what’s best for your specific situation.
Glossary
- Pacific Debt Relief: A debt settlement company that assists clients in negotiating with creditors to reduce their overall debt.
- Debt Settlement: A debt reduction strategy where the debtor and creditor agree on a reduced balance that will be considered as payment in full.
- Credit Score: A numerical representation of an individual’s creditworthiness, based on their history of credit use.
- Debt Consolidation: The process of combining multiple debts into a single loan with one monthly payment.
- Financial Counseling: Professional guidance provided to help individuals manage their financial situations and plan for their financial future.
- Debt-to-Income Ratio: A personal finance measure that compares the amount of debt you have to your overall income.
- Bankruptcy: A legal process in which a person or business declares inability to repay their debts.
- Secured Debt: Debt backed or secured by collateral to reduce the risk associated with lending.
- Unsecured Debt: Debt that is not backed by any collateral.
- Interest Rate: The cost of borrowing money, expressed as a percentage of the loan amount.
- Credit Report: A detailed report of an individual’s credit history prepared by a credit bureau.
- Monthly Payment: The set amount a borrower is expected to pay on a loan each month.
- Debt Negotiation: The process of negotiating the amount, interest rate, or terms of debt with creditors.
- Financial Hardship: A situation where a person cannot keep up with their bills and debt repayments.
- Debt Management Plan: A plan established by a credit counseling agency that consolidates unsecured debts into one monthly payment.
- Pacific Debt Relief Legit: This refers to the legitimacy and credibility of Pacific Debt Relief, a company that provides debt settlement services to individuals struggling with significant amounts of unsecured debt.
- Debt specialist: A debt specialist is a professional who provides advice and services related to managing and reducing debt.
- Debt consolidation loans: Debt consolidation loans refer to a type of financing that combines multiple debts into a single loan with the aim of reducing monthly payments, lowering interest rates, or both.
- Debt settlement companies: Debt settlement companies are organizations that negotiate with creditors on behalf of borrowers to reduce the total amount of debt owed.
- Unsecured Personal Loans: Unsecured personal loans are a type of credit that is not backed by collateral and is granted based on the borrower’s creditworthiness.
- Payday loans: Payday loans are short-term, high-interest loans typically required to be paid back by the borrower’s next payday.
- Enrolled debt: Enrolled debt refers to the total amount of debt that an individual has officially registered or signed up for with a financial institution or a debt management program.
- Debt Settlement Program: A Debt Settlement Program is a service offered by professional companies or law firms aimed at negotiating with creditors to reduce the total amount of debt owed by an individual, usually in exchange for a lump sum payment.