Debt can be a difficult thing to manage on your own. You may feel like you’re stuck in a hole that you can’t get out of. But there is help available. Debt consolidation companies like Pacific Debt Relief can assist you in getting your debt under control and help you work towards a brighter future.
- BBB A+ Rating & Accredited
- $1 Billion Million Debt Resolved
- $10,000 Minimum Debt
Since 2002, they have been helping people reduce their unsecured debt and have helped thousands of people save over $300 million in debt. They have an A+ rating with the Better Business Bureau and accreditation from the American Fair Credit Council. So, is this debt settlement company legit?
They offer debt consolidation services for a variety of unsecured debt, including credit cards, medical bills, personal loans, student loans, and more. They have a team of experienced debt counselors who will work with you to create a personalized debt consolidation plan that fits your budget. Once you enroll in their program, they will contact your creditors to negotiate lower interest rates and monthly payments on your behalf.
There are many things that set pacificdebt.com apart from other debt consolidation companies, but its experience is certainly among the most notable. With over 20 years in business and thousands of satisfied clients, Pacific Debt has a proven track record of helping people get out of debt.
Pacific Debt Relief has a few things that set it apart from other debt relief companies. For starters, they don’t have any upfront fees or costs. They also charge a one-time setup fee of $49 and a monthly fee of $39, which includes access to their online portal, customer support, and debt counseling services.
There are many debt relief companies out there that claim to be able to help you with your debt, but how do you know which ones are legitimate? Pacific Debt Relief is a debt settlement company that has been helping people consolidate their debts for years. They are not a scam, and they can provide you with the assistance you need to get your finances back on track.
Pacific Debt Relief: What Is It?
Debt relief is something that can help reduce or even eliminate the amount of money you owe. This can be done through different methods, such as negotiating with creditors, coming to a settlement, or filing for bankruptcy. For over 15 years, the team has helped more than 100,000 clients resolve over $3 billion in outstanding debts. They are a leading provider of debt relief services and have helped countless people get out of credit card and medical debts.
For consumers who are struggling to make minimum payments and want to reduce the amount they owe, debt settlement services are the best option. By working with debt settlement companies, you can negotiate with creditors to lower your balance and monthly payments.
This can be a lifesaver when you’re struggling to make ends meet. Whether you’ve lost your job or are dealing with a medical emergency, debt relief solutions can help you get back on your feet. Don’t hesitate to reach out for help when you need it.
Working with debt settlement companies can be a great way to find a solution that fits your needs and budget. At Debt Relief, they have an 85% success rate in helping clients get out of debt.
The company is located at 750 B Street, Suite 1700, San Diego, CA 92101 and can be contacted at (877) 722-3328 and [email protected].
How Does Pacific Debt Relief Work?
Consolidation loans through debt settlement companies like Pacific Debt Relief can reduce monthly payments and interest rates, putting you on the path to financial freedom. They also offer educational resources to empower you with the knowledge you need to avoid debt in the future.
Pacific Debt Relief has helped thousands of people become debt-free, and their success rate is high. Debt can be a huge burden, but you don’t have to go through it alone.
- Accreditation: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators
- Consultation: Free phone or online consultation with a customer services rep
- Costs: 15% to 25% of the total debt enrolled. Fees vary from state to state
- Customer Service: Phone or email
- Debts accepted: All unsecured debt except consumer finance loans, payday loans, legal judgments, and medical debts not already in collections. Minimum debts considered are typically $10,000
- Free resources offered: Informative debt management blog
- Restrictions: Pacific Debt services are only available in 25 states
- Service offered: Debt settlement through direct negotiations
- Trust ratings: BBB rating of A+ and 9.3 Trustpilot score
- Turnaround time: 24 to 48 months or more
What Kind Of Loans Do They Offer?
If you are feeling like you’ll never get out from under the weight of debt Pacificdebt.com can help. They offer debt consolidation loans and home equity investment opportunities to help you get out of debt. They have a wide variety of loan options available, so they can tailor a debt relief solution that fits your unique situation.
They have a network of creditors that they work with to get you the best interest rates and monthly payments possible. This can save you a lot of money each month and help you get out of debt faster.
Assuming you own your home outright or have paid off your mortgage, you may be able to use your home equity as collateral for a loan. This could provide the funds needed to pay off debts and start anew. Home equity loans often have lower interest rates than credit cards or personal loans, meaning you could save money on interest payments.
This is an accredited debt settlement company that helps people get out of debt. They offer different solutions for different types of debt, and they have a team of experts who can help you find the best solution for your situation.
Qualification Proccess
There are a few things you need to know in order to qualify for Pacific Debt Relief. First, you need to have some form of debt that you are struggling to pay off. This can include credit card debt, medical bills, or any other type of loan. Second, you need to be a US citizen or permanent resident.
In order for your debt consolidation loan application with Pacific Debt Relief to be accepted, you must have a minimum of $10,000 in debt and a maximum of $100,000 in debt. Furthermore, a good credit score and a steady income are also required.
If you have these qualifications, you can apply for a debt relief loan from Pacific Debt Relief. The debt settlement process is simple and can help you get out of debt quicker than other debt relief companies.
Signing Up
They begin with a free consultation with one of their certified debt specialists. They will ask about your financial situation and see if their debt settlement program is right for you.
To arrange a free consultation with a Pacific Debt representative, please follow the steps below:
- Head to the Pacific Debt Inc. website
- Click Free Consultation and talk to a debt specialist
- Select the amount of your debt then click See Savings
- Select how far behind you are with payments
- Choose your state of residence
- Enter all relevant contact details then hit Submit
How Much Are The Fees?
The amount of money you owe and the repayment plan you choose will affect how much you pay in fees. Their fees are usually 15-25% of the debt you enroll in, so for example, someone with $10,000 in debt would likely pay us $1,500-$2,500 over the life of the loan.
They offer a free consultation to help you figure out what your best option is. And, there are no hidden upfront fees or surprises with their services.
Can I Actually Save Money?
The company has helped settle more than $300 million since its inception. With an average savings of 50%, you could potentially reduce your debt significantly. However, it’s important to keep in mind that this is before taking into account upfront fees.
When you factor in fees, average savings are 15% to 35%. So, while Pacific Debt Relief may not be the best option for those hoping to save as much money as possible, its convenience and reputation could make it a good choice for some.
Is There A Minimum Credit Score?
The minimum credit score for a Pacific Debt Relief loan is 660. They come with low-interest rates and flexible repayment terms, so you can get back on track financially. Don’t let a low credit score stop you from getting the loan you need.
How Long Do They Take?
Pacific Debt Relief offers a program that can help you resolve your debt quickly. Once you enroll, they will work with your creditors to negotiate a debt consolidation loan. This will allow you to pay off your debt in full and get back on track.
There is no one-size-fits-all solution to debt, but the team of experts will work with you to create a budget and payment plan that fits your unique financial situation. They typically are able to resolve their clients’ debt within 12-36 months, and during this time they will negotiate with your creditors to get a lower interest rate or monthly payment amount.
Does This Company Affect My Credit Score?
Debt relief can be a great way to improve your financial situation, but there are some things you should know about how debt relief can affect your credit score.
They understand that managing debt can be overwhelming and stressful. That’s why they offer a debt relief program that can help you get back on track. The team of experts will negotiate with your creditors on your behalf to try to get them to agree to lower your monthly payments and/or interest rates. This process is called debt settlement.
Instead of making payments directly to your creditors, you will make payments to a third party who will hold onto the money until there is enough to pay off your debt in full. This can be a good option for people who are struggling to make their monthly payments.
It is important to note that debt settlement services can still have a negative impact on your credit score. This is because, after you have settled your debt, the credit bureaus will report the debt as “settled”.
How Does The Website Work?
Their website is a great resource for finding out how much you could save by working with them. Here’s how to use it to get the most out of it. First, head to the “Calculate Your Savings” tool. This will give you an idea of how much money you could save by working with Pacific Debt Relief.
Next, check out the “Success Stories” section to see examples of people who have been helped by Pacific Debt Relief. This is a great way to see how the company has helped others in similar situations to your own.
Finally, take a look at the “Frequently Asked Questions” section. This will help you understand more about the debt settlement industry and how Pacific Debt Relief can assist you.
Is Pacific Debt Relief A Credit Repair Company?
Pacific Debt Relief does not assume debt, make monthly payments to creditors, provide tax, bankruptcy, accounting or legal advice or offer credit repair services.
BBB Reviews
Wondering about Pacific Debt Relief’s BBB rating? We’ve got the latest information on their complaints history and rating.
Accredited by the Better Business Bureau since 2010, with an A+ rating, in the last 3 years there have been 3 complaints closed and 1 complaint closed in the last 12 months. This record does not show perfection but does demonstrate that usually complaints filed against them are responded to by Pacific Debt Relief.
Pacific Debt Relief is a debt settlement company based in San Diego that can help you get your finances back on track. They have a BBB rating that you can take into consideration, but you should also read through their complaints history to get a fuller picture of the company.
Here are some Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
****** was super nice and always willing to help. He never hesitates to explain how things work and make me feel comfortable. He wasn’t a fast talker like someone who is trying to make a sale. ****** took the time to ensure that I had a complete understanding of the program and what the final outcome would be.
Pacific Debt Relief: Legit Or A Scam
There are many people who are wondering whether or not this company is legitimate. The company claims to settle millions of dollars in consumer debt each month, and many people are curious as to whether or not this is true.
They are a legitimate debt relief company with an A+ rating from the Better Business Bureau and accreditation from the American Fair Credit Council. With over 20 years of experience, they have helped thousands of people get out of debt.
A major downside of using this company is that they only serve half the states in the country. In addition, you may not get the best deal possible. You could find a company that offers a lower interest rate or fee.
However, not all of them are legitimate. Pacific Debt Relief is a debt relief company that you can trust. So, if you’re serious about getting out of debt, then Pacific Debt Relief is a good choice.
Do you know about Pacific Debt Relief? Share your experience with us in the comments section below!
