Pacific Debt

Overall Rating


out of 10

Pacific Debt

750 B St #1700, San Diego, CA 92101
  • 16 Years in Business
  • Refund Policy
  • Financing Available


The Good

Outstanding Customer Reviews
Pacific Debt Inc. (PDI) emphasizes its focus on customer satisfaction and personalized service. Its processes and procedures aim to make every customer feel respected as they go through the debt settlement program.

Outstanding customer reviews across the web show the company’s dedication to their customer service philosophy. Pacific Debt earned an average of five stars on Google reviews, and also did extremely well on top consumer review sites.

The company has a 4.7 out of 5-star average rating on the Consumer Affairs website. Most of the reviewers were very pleased with the process and the level of service. For instance, Lisa of Meridianville, Alabama, writes, “I was headed for bankruptcy… until PDI helped me to settle over $25,000 in debt for less than 50% of the total debt. The process was very stressful at first, but PDI customer representative knew what they were doing, was extremely helpful in getting me through the first couple of months.”

BestDebtCompanys.com gives Pacific Debt Inc. a 9.5 out of 10 average rating, ranking the company #2 out of 48 in 2017, and #1 in 2016.

Well-known customer review site TrustPilot gives Pacific Debt a 9.2 out of 10 TrustScore, with 258 5-star reviews out of 333 total reviews and only one negative review. Many share the positive sentiments of Janice Smith, who writes, “EVERYONE was very friendly and wonderfully helpful. I really appreciate all Pacific Debt is doing for me.”


  • Outstanding Customer Reviews
  • Account Managers Provide Personalized Service
  • Pay Off Unsecured Debt In As Little As 24 to 48 Months
  • Helps Customers With $10,000+ in Unsecured Debt
  • Provides Credit Counseling As Well As Debt Settlement
  • No Upfront Fees

Account Managers Provide Personalized Service
After you’ve undergone your free consultation and established your FDIC-insured Special Purpose account, you will begin working one-on-one with a Personal Account Manager. Your account manager is there to answer your questions and alleviate any of your concerns about the process.
Your account manager negotiates with your creditors to reach a settlement. But no payments are made until you sign off on the agreement. Your personal account manager is dedicated to ensuring that you are satisfied with the entire process until you are free from debt.

No Upfront Fees Pacific Debt does not charge any fees until a settlement they reach a settlement agreement with each creditor. As your account manager negotiates a settlement, a fee of 15 to 25 percent of the total debt is added to your payment and taken out of your Special Purpose account.

Helps Customers Pay Off Unsecured Debt In As Little As 24 to 48 Months Most Pacific Debt customers have settled all their accounts and can begin the process of repairing their credit and rebuilding financial security in as little as 24 to 48 months. Debt Settlement with Pacific Debt can occur much faster than it would if you were to try to continue to pay off debt using a debt consolidation loan or just continuing to make your minimum monthly payments.

Helps Customers With $10,000+ in Unsecured Debt
If you have unsecured credit card debt, personal loans, business loans, medical bills, or outstanding balances from repossessed vehicles, Pacific Debt can help.

Decades of Experience with Debt Settlement
Pacific Debt has been in business since 2002 and, to date, has settled over $175 million in consumer debt.

Industry Accreditations
Pacific Debt has been accredited by the Better Business Bureau with an A+ rating since 2010. It has earned a 4.91 out of 5 stars average rating, with 26 positive reviews out of 28.

Pacific Debt is also an accredited member of the American Fair Credit Council, the leading association of professional consumer credit advocates. Accredited AFCC members are certified in operational best practices for debt settlement providers.

Provides Credit Counseling As Well As Debt Settlement Debt settlement may not be the best option for every customer. Or, even after completing Pacific Debt’s debt settlement process, you may need a helping hand to stay out of debt, restore your credit rating, and achieve financial freedom.

As well as debt settlement options, Pacific Debt offers credit counseling through its team of highly qualified experts.

The Bottom Line

With a stellar reputation for execustomer service and numerous online reviews that back up these claims, Pacific Debt is a trusted name in debt relief and debt settlement solutions for consumers.
If you have more than $10,000 in unsecured debt, the professionals at Pacific Debt will negotiate an agreement with your creditors and help you get out of debt in as little as two to four years. The consultation is always free, and you pay no fees until Pacific Debt negotiates a settlement and you agree to pay the settlement amount plus fees.


About Pacific Debt

In 2002, Kevin Landie founded Pacific Debt to help consumers gain relief from unsecured credit card debt. Since that time, the company’s focus on customer service, its transparency, and its debt settlement expertise have put it near the top of the pack when it comes to debt relief firms.

Based in San Diego, California, the company serves consumers nationwide who are struggling with more than $10,000 in unsecured debt, including credit card debt, personal loans, and outstanding balances on repossessions.


Customer Satisfaction


If we could give Pacific Debt a rating of 6 out of 5 for customer service, we would. Review sites across the web give Pacific Debt high marks.
The company has an A+ rating with the Better Business Bureau, with 26 positive reviews and only two customer complaints, one of which was resolved.

The Consumer Affairs website gives Pacific Debt an average of 4.7 out of 5 stars, with 325 five-star reviews and only 7 negative reviews out of hundreds. Reviewer Vernon of Weed, CA, shares his story and it seems similar to many other Pacific Debt customers. He writes, “I was in a large amount of credit card debt and I looked at Pacific Debt's program. It sounded just right for me. It was a three-year program and I had probably four different people that were handling my accounts. I just finished it recently, made my last payment and they treated me with respect. They always answered my questions and I appreciate their honesty and kindness. They were really pleasurable to talk to and it was like a cloud just lifted off of me. I just feel so much better and I now know not to get in that kind of situation again.”

Additionally, 77 percent of TrustPilot reviewers gave Pacific Debt five stars, earning the company a 9.2 out of 10 TrustScore.

Variety of Services


Pacific Debt provides debt settlement and credit counseling services for consumers owing $10,000 or more in unsecured debt, mostly from credit cards.

The company maintains its focus on customer service and has gotten to be the best in the industry by narrowing its offerings and providing excellent debt settlement solutions.

Experience and Recognition


With a wealth of positive customer reviews across the web, Pacific Debt is one of the most renowned and widely recognized names in debt relief.

The company has been in business since 2002, making it one of the longest operating debt relief firms, as well. Its credit experts have helped negotiate more than $175 million in unsecured debt for customers.

Licensing and Accreditations


Pacific Debt is accredited by the American Fair Credit Council, the leading organization for consumer credit professionals. It has been accredited with an A+ rating by the Better Business Bureau since 2010.

Expert Review


Pacific Debt is known for its high-touch, personalized service. Every customer works with a dedicated account manager that negotiates their debt settlements and answers their questions through every step of the process.

With a free consultation, no fees until the first settlement is reached, and high success rates, Pacific Debt is a solid choice for a debt relief firm. Pacific Debt can save consumers 50 percent or more on their credit card debt and other unsecured debt. Pacific Debt is a trusted name in debt relief for consumers with more than $10,000 in debt. If you choose to work with Pacific Debt, you could be pay off your balances at a percentage of what you owe and be on your way to financial freedom within 24 to 48 months.


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