Pacific Debt, Inc. Review

Relief available at a reasonable rate to those with $10,000 in qualifying debt

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.
Pacific Debt

 Pacific Debt

overall rating

Our Take 

Pacific Debt, Inc. is a reputable company that charges a fee in line with its competitors and also offers resources in Spanish. If you’re looking for a debt relief company, it's a solid option if have at least $10,000 of qualifying debt and you reside in one of the states where it provides services.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Easy to determine if service is available in your area

  • Spanish support is available

  • Fees are within the industry average

  • Debt relief isn’t provided by the company in 21 states

  • Support isn’t available on the weekend

  • Live chat is unavailable

Key Takeaways
  • The company has helped its clients settle over $300 million in debt since 2002.
  • In addition to unsecured consumer debt, Pacific Debt can also help negotiate some private student loans and unsecured business loans.
  • Clients who complete the program repay 50% of enrolled debt on average (65% to 85%, inclusive of the fees charged by Pacific Debt).
  • Overall, people seem to like working with Pacific Debt and refer to its support staff as friendly and knowledgeable.
  • Year Founded 2002
  • Types of Debt Relief Unsecured consumer debt, some student loans, unsecured business loans
  • Fees 15% to 25% of total enrolled debt
  • Average Repayment Period 24 to 48 months
  • Accreditations AFCC and IAPDA
  • Minimum Debt $10,000
  • Official Website


Pacific Debt, Inc. was founded in 2002, is headquartered in San Diego, and has helped its clients settle more than $300 million in debt since its founding. You need to have at least $10,000 in qualifying debt to enroll and can expect the program to take up to 48 months.

If you choose to work with a debt settlement company, they will work with your creditors to try to negotiate a settlement that’s less than the amount you owe. If the negotiations are successful, you’ll pay the agreed-upon settlement amount to your creditors plus the fee you’ve agreed to pay to your debt settlement provider (e.g., 15% to 25% of the amount of debt you enrolled). 

Debt settlement can have a severely negative impact on your credit for up to seven years, and there’s no guarantee that your creditors will agree to reduce the amount you owe. For these reasons, it should be seen as a last resort.

Make sure to pay attention to the dangers of debt settlement, like being charged upfront fees and the long-term negative effect on your credit. Only pursue this after considering other options like credit counseling and debt management plans.

Read on to learn more about the debt settlement program offered by Pacific Debt, Inc.

Company Overview

Pacific Debt, Inc. is a debt settlement company founded in 2002 and headquartered in San Diego. The company has helped settle over $300 million in debt for its clients since its origination. It is a member of the American Fair Credit Council (AFCC), a well-regarded debt relief industry association, and Pacific Debt’s debt counselors are certified by the International Association of Professional Debt Arbitrators (IAPDA). 

The company primarily focuses on helping consumers negotiate unsecured debt, and it can also help with some private student loans and unsecured business loans. 

Although Pacific Debt can provide its services in many areas of the United States, there are quite a few limitations. Its service area does not extend to CT, DE, GA, HI, IA, IL, KS, ME, ND, NH, NJ, NV, OH, OR, RI, SC, TN, VT, WA, WV, and WY. However, if you reach out to the company, they may be able to connect you with one of its partners, even if it’s unable to assist.

Our review did not uncover any recent legal actions against Pacific Debt at the state or federal levels of the government.

Debt Relief Options

As with most debt settlement companies, Pacific Debt primarily provides support for unsecured consumer debt. This includes debt such as credit cards, payday loans, medical bills, collections, repossession deficiency balances, and personal loans or lines of credit. They can also negotiate private student loans and some unsecured business debt.

Pacific Debt isn’t able to work with debt secured by collateral, such as mortgages or auto loans, and it also can’t help with debt resulting from lawsuits or judgments, money owed to the IRS, utility bills, or other debt owed to the government (e.g., federal student loans). 

To qualify, you’ll need to have more than $10,000 in qualifying debt, and you’ll need to live in a state where Pacific Debt is authorized to conduct its business. 


You can expect to pay Pacific Debt a fee ranging from 15% to 25% of the total debt when you enroll in its program. The company doesn’t require any upfront fees and won’t charge you anything until it has successfully negotiated a settlement on your behalf. This performance-based pricing is standard for the industry, as is the range of fees charged by Pacific Debt. 

Although the exact amount of time it will take you to complete the program will depend on your circumstances, you can expect it to take 24 to 48 months. Clients who complete Pacific Debt’s program pay 50% of their enrolled balance on average before fees (65% to 85%, including the fees charged by Pacific Debt). 

The company isn’t able to guarantee the amount of savings you’ll receive, if any, or how long it will take you to complete the program. This is because each debt negotiation is unique, and the ability to settle will depend on your situation and the willingness of your creditors to agree. 

Avoid any debt settlement company willing to provide a guarantee regarding the amount of debt it will be able to settle and the amount of time it will take. 

Customer Service: Support Isn’t Available on Weekends

You can reach a debt relief consultant or customer service agent with Pacific Debt on weekdays. The company does not provide support on weekends. Its normal hours of operation are Monday through Thursday between the hours of 8:00 a.m. and 6:00 p.m. PT, and on Fridays between the hours of 8:00 a.m. and 4:30 p.m. PST. 

If you are new to Pacific Debt and want more information, you can use this contact information:

Existing customers of Pacific Debt can contact the company as follows:

The company also has a section on its website for Spanish to request a free consultation. This is a value-added resource that’s not offered by many of the other debt relief companies we reviewed. 

The other main drawback to Pacific Debt’s customer service is that live chat is not available. 

Customer Satisfaction: Friendly and Knowledgeable Support Staff 

To determine what it’s like to work with Pacific Debt, we reviewed customer feedback from a wide variety of third-party sources. Overall, people seem highly satisfied with the service received from Pacific Debt. Many of the positive reviewers called out customer service agents by name, indicating they were friendly, knowledgeable, and patient, amongst other similar descriptors. 

Some of the average reviews indicated a better review would have been given to Pacific Debt but the reviewers were waiting to see if the program worked for them before doing so. Quite a few negative reviews noted communication problems with the company once they signed up for the program, and some reviewers indicated there were delays when they asked to cancel. 

The company provided personalized responses to most of the positive and negative reviews we evaluated.

Account Management

Once you’ve signed up for services with Pacific Debt, you can monitor your progress and view your account by logging into the client portal. This information is available to you any time you want to access it, but if you want to speak with a customer service agent, you will need to call during the company’s normal hours of operation. 

If you need support outside Pacific Debt’s normal hours of operations or simply want a customer service agent to reach out to you, email

Other Features

Although Pacific Debt doesn’t offer other solutions besides debt settlement services, they provide free information about debt consolidation loans and credit counseling on its website. They also have free educational resources on topics like bankruptcy, budgeting, credit scores, taxes, and more, in addition to a debt calculator to figure out how long it will take to get out of credit card debt.

How Pacific Debt Compares to Other Debt Relief Companies

One of the most popular competitors to Pacific Debt, Inc. is National Debt Relief. Similar to Pacific Debt, National Debt Relief primarily focuses on providing consumers with unsecured debt relief. Its pricing is also the same and both are associated with the AFCC and IAPDA, two of the most reputable professional associations in the industry. 

These are some of the key differences between Pacific Debt, Inc. and National Debt Relief:

  • Pacific Debt requires its customers to have over $10,000 in qualifying debt to enroll.
  • National Debt Relief only requires its customers to have $7,500 in qualifying debt.
  • Pacific Debt offers services in Spanish, with a section of its website devoted to this.
  • There are no specific Spanish resources included on National Debt Relief’s website.
  • Phone support is available only on weekdays for Pacific Debt.
  • You can contact National Debt Relief by phone every day of the week except Sunday.

The services provided by Pacific Debt and National Debt Relief are very similar. If you want to contact the company by phone on Saturdays or if you only have $7,500 in qualifying debt, you’re better off going with National Debt Relief. In contrast, if you want to get support in Spanish or don’t care about contacting the company on the weekend and have at least $10,000 in debt, Pacific Debt is the better option. Both companies are solid choices.

  Pacific Debt, Inc. National Debt Relief
Year Founded  2002 2009
Fees 15% to 25% of enrolled debt 15% to 25% of enrolled debt
Types of Debt Relief Unsecured consumer debt, plus some private student loans and business debt Unsecured consumer debt, plus some private student loans and business debt
Minimum Debt $10,000 $7,500
Services in Spanish Yes Not Disclosed
Phone Support Availability 5 days a week (weekdays only) 6 days a week (closed on Sunday)
Final Verdict

Pacific Debt, Inc. is a well-regarded debt relief company that has helped its clients settle over $300 million in debt since 2002. It focuses on helping people with more than $10,000 in unsecured consumer debt (including some private student loans and business debt) negotiate settlements. After credit agreements are successfully negotiated, its clients pay the industry average fee.

We didn’t uncover any recent state or federal legal actions against Pacific Debt, and customers seem to be satisfied with the services it provides. Many reviewers used terms like "patient" and "knowledgeable" to describe Pacific Debt’s staff. The main drawback is that Pacific Debt doesn’t offer phone support on the weekends. Even so, we think Pacific Debt is a good option if you’re looking to work with a debt settlement company.


All of our reviews of debt relief companies are based on extensive research and analysis of each company based on offerings, customer service, pricing, years in business, accreditation, and more. To rate Pacific Debt, Inc. and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

You can read our full methodology for a complete description of how we reviewed each company.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. IAPDA Certification. "Pacific Debt Inc. - Accredited Service Center." Accessed Accessed April 18, 2021.