Debt is a subject rarely brought up in polite conversation, however more than half of the U.S. population is in debt. And like many people know too well, one bad day can lead to a snowball effect where debt grows from a mild annoyance to an avalanche of stress. There are various ways to get help if you're drowning in debt. Bankruptcy is always an option, but one that has downsides. There are also companies that provide debt consolidation, but have hidden dangers. There is however a better solution to debt consolidation provided by Pacific Debt, a company that has been helping people get out of debt for over 16 years and which has earned multiple accolades from their now debt-free customers and consumer advocacy groups including the rare A+ rating from the Better Business Bureau.
What is Pacific Debt?
Pacific Debt is a debt settlement program. They do not provide Debt Consolidation that requires you to apply for and obtain a new loan in order to pay off the entire amount of your existing debt. Put simply, they negotiate on your behalf to reduce the amount owed to your creditors, allowing you to get out of debt much faster than a debt consolidation loan with one low monthly program payment.
Here's what clients are saying about Pacific Debt:
I would recommend PDI to anyone who was in the situation.
"It feels like a weight has been lifted off my shoulders and now I can retire knowing that I don't have any financial debt hanging over my head. That was and still is my primary goal. Without the help of Josh and the other folks that had my case, this probably wouldn't have been possible – for me to retire without any debt. I want to thank all the people at PDI who were there for me when i needed that little push to get myself out of a sticky situation." -Katherine
"I have been under such stress with all of my credit card debt. Pacific Debt took the worry away. They are kind, compassionate and able to answer all of my questions. I have had two accounts so far get settled for a fraction of what I owed." -Angela
The only regret I have is not doing this sooner!
"The experience I've had with Pacific Debt Inc. has been wonderful. Ashley, has gone out of her way to put my mind at ease, explaning the entire process, answer all my questions, & even provided me with reviews & background information on the company. She has taken a tremendous load off my shoulders & is handling all the leg work for me. I can now breath a sigh of relief knowing it is in her very capable hands." -Kris
Pacific Debt has and is doing a great job.
"The monthly payment is tough sometimes, but better than a loan or making payments to creditors. So far they have settled several accounts and have saved me thousands of dollars. Kim B is wonderful to work with. Any questions are answered quickly by email or text or phone. Fortunately, I was able to add a little extra to the account. That makes a huge difference on how quickly they can settle. Very happy so far." -Bryan
I've referred so many of my friends and family members to them, as I trust them.
"I love this company. They went above and beyond what I ever expected. May I add, that they helped me without judgement, and never made me feel ashamed of my situation. My account managers always answered any questions I had, and provided clear answers and information. They went to bat for me, and I couldn't ask for any more than that. I will continue to refer people to them, as they truly help those who need it." -Chelse
Pacific Debt helped thousands of people get out of debt, and they can help you too. The first step in the debt settlement process is to have a free phone consultation. Give them a call at (888) 585-9267 or fill out a quick questionnaire to see how they can help you.
*Clients who make all their monthly program deposits pay approximately 50-55% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete the program for various reasons, including their ability to save sufficient funds. The estimates are based on prior results, which will vary depending on your specific circumstances. Pacific Debt does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Pacific Debt does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Pacific Debt service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Pacific Debt obtains on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825.