About Pacific Debt Relief

Pacific Debt Relief Synopsis 

Review Summary: Pacific Debt Relief primarily helps its customers through its debt settlement program which aims to obtain a lower interest rate and lower balance on unsecured debt on behalf of its customers. Customers pay off their debt by making monthly payments into an account that Pacific Debt uses to pay creditors.  

Recommended for: Pacific Debt Relief may be a good option for those who have a minimum of $10,000 of qualifying debt, are struggling to make payments, are being charged late fees, and live in one of the states where Pacific Debt operates. (See the full list below.)  

Pros and Cons of Pacific Debt Relief

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Overview 

While Pacific Debt Relief started as a debt settlement company, it rebranded in October 2021 so that it could start offering additional options.  

Pacific Debt helps consumers pay off unsecured debt such as credit card debt, payday loans, personal loans, medical bills, and debt consolidation loans.  

It does not help with secured debt in which the consumer has collateral such as a home loan and car loan.  

Pacific Debt primarily helps consumers through its debt settlement program. In a debt settlement program, the company working on your behalf will negotiate with your creditors to give you a lower interest as well as lower the total amount you owe.  

While consumers can settle their debt on their own, Pacific Debt says that the advantage to working with a debt settlement company like Pacific Debt is that it has extensive experience working with creditors and it knows which ones are willing to settle.  

Pacific Debt claims that it has settled more than $300 million in debt since it opened its doors.  

In order to qualify for Pacific Debt Relief’s program, you must meet the following criteria: 

• Have at least $10,000 unsecured debts 
• Have problems making payments, which means you have incurred late fees 
• Live in one of the states where Pacific Debt operates (see the full list below) 

Pacific Debt Relief Process 

This is the debt settlement process you can expect if you decide to work with Pacific Debt Relief:  

• Step 1: Stop paying debts. The first thing that Pacific Debt will have you do once you enroll in its program is to stop paying all of your enrolled debts. The point of this is to send a signal to your creditors that you are serious about negotiating.  
• Step 2: Negotiations begin. Pacific Debt will then start negotiating with your creditors to obtain lower interest rates and debt balances. 
• Step 3: Make payments. You will start making payments into a dedicated savings account. The monthly fee will be based on what you can afford.  
• Step 4: Pay off debt. Once enough money is in this account, Pacific Debt will use those funds to pay off your debts. No debts will be paid off without your authorization.  

Pacific Debt customers work with different representatives during each step of the process: 

• The Program Debt Adviser. Your program debt adviser will be the first person you will talk to who will help you determine if Pacific Debt Relief’s debt settlement program is the right option for you.  
• Client Care Team. During the early stages of the program, the Client Care Team will help you with gathering documents, managing creditors, and any other changes that need to be made. 
• Personal Account Manager. Each customer is given a Personal Account Manager to work with throughout the program. The account manager will provide monthly updates as well as reach out to you for authorization when it’s time to settle a debt. 

Pacific Debt Relief Rates and Fees 

Pacific Debt does not charge any fees upfront. Fees are only charged once the consumer sees results.  

There are two factors that play into how much you will be charged: the total debt amount and the state you live in.  

The fees range between 15% and 25% of the total debt that you enroll.  

The fee is included in the program estimate and the monthly program payment.   

Pacific Debt Relief Company Information 

CEO Kevin Landie started Pacific Debt Inc in 2002 in San Diego, California. He started it with the goal of helping with the rise of consumer debt in the United States.  

The company says it is committed to providing its customers with a consumer-friendly experience.  

It went through a rebranding in 2021 and changed its name to Pacific Debt Relief.  

It is recognized by the American Fair Credit Council (AFCC), the International Association of Professional Debt Arbitrators (IAPDA), and the Better Business Bureau (BBB).  

States Serviced by Pacific Debt Relief 

Pacific Debt provides debt relief in the following states and the District of Columbia:  

• Alabama 
• Alaska 
• Arizona 
• Arkansas 
• California 
• Colorado  
• District of Columbia 
• Florida 
• Idaho 
• Indiana 
• Kentucky 
• Louisiana 
• Massachusetts 
• Maryland  
• Michigan 
• Minnesota 
• Missouri 
• Mississippi 
• Montana 
• North Carolina 
• Nebraska 
• New Mexico 
• New York 
• Oklahoma 
• Pennsylvania 
• South Dakota 
• Texas 
• Utah 
• Virginia 
• Wisconsin 

All reviews updated as of 11/1/22.