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Our Score



Medium debt requirements


Great debt settlement track record


Loved by past customers


Operate across the country



Don’t offer debt consolidation


Don’t offer debt refinancing


Have less educational resources than some competitors

Millions of people today are looking to obtain debt relief services from a qualified debt relief company. Do you have more debt than you can handle? Does it just keep piling up? Before you know it, you are struggling just to make payments. One option is debt consolidation. Debt consolidation involves combining your unsecured debt into one single loan. Aside from debt consolidation, many borrowers often refinance their debt as well, this is a great way to reduce the interest rate that you are currently liable for paying. But consolidating your debt will require you to have a decent credit score as lenders will want to make sure that you are able to pay back your debt. If you find that this might not be possible, you may want to work with a debt settlement company.

Debt settlement is the process of coming to an agreement with your lenders to pay back only a portion of the debt that you owe. This has become an increasingly large industry in the United States, as debt has soared to new levels. While you can do debt settlement on your own, there are plenty of companies that work on the behalf of consumers in order to get them the best deal possible. One of these companies is Pacific Debt. They offer settlement services and are considered one of the largest settlement companies in the nation. This review will check if they’re the right company for you to settle your debt with.


Pacific Debt relief is a debt relief provider located in California; however, the company works with people from all over the United States to get them out of debt. If you are having trouble keeping up with all your creditors and payments, Pacific Debt will negotiate with your creditors on your behalf. They can help you obtain lower interest rates at a lower monthly payment amount. You need help getting back on track. If you continue your current path, your credit score will take a dive, and your finances will continue to suffer.

After you go on the website and complete the contact information and let them know how much debt you have accumulated, you will be contacted by a Pacific Debt specialist to come up with a plan that suits your needs. He will look over all of your accounts to see if they are eligible to settle. The company will also look at your budget to make sure you can afford the payments. After you are enrolled in the program, Freedom Debt will start negotiating with your creditors.

To qualify, you must have a minimum debt of $7500. The program will typically last anywhere from 2 to 4 years, and the company offers a money back guarantee if you are not satisfied with their services. It is an excellent business to help you with your debt problem. The disadvantage with this company is that it does not operate in all states, so you need to see if the program is offered in your state.



If you want to know how well a company operates, it is often best to go straight to the source – the customers. The internet has allowed for customers to have a greater influence on the reputation of the companies that they work with. Consumer watchdog sites have been set up to allow past customers of certain companies to complain if they feel that haven’t been dealt with properly. On the other hand, if customers enjoy working with a company they can also ensure that the general public know their dealings with the provider were positive.

We’ve researched some of the most well-known consumer watchdog groups to check and see how Pacific Debt stacks up when compared to other well known companies operating in the area. If you’d like to see what past clients of Pacific Debt have thought of the company’s work, check out the sections below.


Better Business Bureau

On the Better Business Bureau site, the company has received an A+ rating for its excellent customer service. The website states that “Pacific Debt meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints.” The Better Business Bureau is one of the most widely recognized consumer watchdog groups on the market. They provide a platform for customers to review companies they have worked with. They also provide mediation services for those who feel they have been wronged by businesses they work with.


Consumer Affairs

Consumer Affairs is another large consumer watchdog group that provides an extensive platform for past customers to review a business. They’ve rated Pacific Debt at a 4.7/5 – this is one of the highest ratings that a debt settlement company has achieved on the website. Consumer Affairs is a respected name in the business community and can be trusted to provide reliable data on the companies they review on their site.



Pacific Debt is definitely a company with an outstanding reputation. They’ve managed to be held in high-regard for a number of years. They’re one of the best options available to those who are looking for settlement options. As always, if you do plan on settling your debt, make sure that you are aware of the consequences. Debt settlement can result in you seriously damaging your credit score in the short-term – but it will improve in the long term as your financial health improves. If you can afford to consolidate or refinance, this is most likely the best option.

Unfortunately, Pacific Debt doesn’t offer refinancing services, which means that they will only be a good company to work with if you’re definitely interested in settlement. Make sure to call in advance or head online to make an appointment – you can discuss the different options available to you.