844-494-3039
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Overview

Highlights

  • 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

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.”

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.

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.

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.

Reviews

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    I had the MOST wonderful experience. I dealt with Jack and Ava. Both were very informative, and really took charge of my tax matter. I was able to get everything handled in about 6 months and save a lot of money. I will say I was a nervous wreck and had trouble just relaxing, but once I did I felt I saw magic happen. Thank you fine folks at stopirsdebt. I am forever grateful.

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    I talked to Mark about all my back taxes and the issues I face with these crazy IRS people. He PROMISED me they would get it done and I can sit here and say he is a man of his word. I feel they took care of me well and really had my best interest. I was able to keep my properties and retirement accounts and still get this solved. I am glad I talked to Mark and we sorted this thing out.

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    I like them and they work. I would recommend for your tax problems. I liked Ariana.

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    YES YES YES!!! This truly has been a blessing in my life. I can not sing enough praises. I feel like we can finally retire ion peace because of the great job they all did resolving our tax issues. I would definitely hire them again and I think the process is very easy. It took several months and I can say with confidence all is good.

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    Their prices were the best of the folks I called. Seems to be working out. No more garnishment. so I think they are good.

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    They are AMAZING!! From the first fella I spoke to down to the receptionist confirming a fax. I am so happy I trusted them. They kept saying we are handling this and I was skeptic but here we are 7 months later and I saved a great deal of money and I only have to pay a small amount monthly towards the remaining amount. I recommend them and give them 5 stars.

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    Dealing with the IRS has been a nightmare for me the last 6 years. I finally buckled down and hired this firm to help me, since I did not seem to get anywhere. It took us about 9 months (sounds like forever but compared to 6 years it isn’t bad really) and I can finally say my tax debt is behind me. They made me feel comfortable and continuously supported me throughout the case. I truly feel the piece of mind and professional handling was well worth the dollar spent. Thank you for saving my money and my sanity.

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    I am amazed at how friendly all these gals were. I like that they took the time to speak to me when I didn’t know what to do on forms and how they understood I messed up. I did not feel judged and they helped me knock this stuff right out. I would hired them again if I needed to.. although imma do my best not to owe the damn government again!!

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    I had no idea when I started looking for help with my tax debt that one of the main IRS processing centers for the Eastern seaboard was in my back yard. Not only that, but I found a great tax attorney who was able to do what two other organizations could not, resolve this tax matter. I cannot say enough about Jonathan and his team. They kept me in the loop and got the result I told them that I needed in order to survive financialy. Thank you again, Jonathan.

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    Saved me a few grand. Did my taxes. So I guess they do work. Kudos folks.

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    J. David Tax Law respectfully understood my range of emotions and concerns I had regarding my situation. He thoroughly explained the process, set expectations & options, and helped guide me to a successful outcome. My attorney was responsive, knowledgable, and happy to answer any questions, no matter how mundane. His diligence, experience, and personal commitment, made me feel that my case was important & that I was more than just another client. Because of this, I am so thankful that I found them

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    I decided I needed a tax attorney to represent me in dealing with the IRS due to having very large prior year taxes due, even though I was current in tax return filings, and having just received notice that the IRS had cancelled a prior installment agreement and were threatening me with wage garnishment, property liens, etc. After a telephone call with J. David Tax Law, we set up a “game plan”. I found my attorney to be extremely knowledgeable, and he quickly outlined my options, listened to my desires relative to my financial state, and recommended a path forward that his firm would totally manage with the IRS on my behalf. I left feeling a great weight had been taken off my shoulders. I sent backup documents to my attorney’s legal assistant, provided a signed power of attorney form so they could represent me before the IRS, and was informed that a response to the IRS was in process. They contacted regularly to keep me informed of where they were in the case. Surprisingly, five weeks later I received options to settle the tax debt that I could handle. This options were drastically better than what the IRS had offered when I spoke with them. J. David Tax Law’s ethical, and forthright treatment of this unique situation gave me reassurance that their reputation is justly deserved. Without hesitation I will immediately engage J. David Tax Law should the need ever arise again. Hopefully it won’t but you never know. Good to have options.

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    I contacted J. David Tax Law regarding some business tax issues from my rental properties. I was impressed with their knowledge in these areas and their honesty. They provided me with practical solutions that I could afford to take advantage of. They were extremely efficient and helped me reach a settlement with the IRS to protect my interests in a reasonable amount of time. One thing that made this group stand out from my experiences with other lawyers is how much they cared and spent time explaining things to me. Since my husband passed I’ve been lost and highly reccommend this group for the work they did for me.

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    I contacted J. David Tax Law regarding some issues I was having with our taxes after the passing of my husband. I was impressed with their knowledge and the patience they had with me. Jim provided me with practical solutions and worked with me to help me to be able to afford to have them represent me. They were extremely efficient and helped me reach a settlement with the IRS to protect my interests and ensure I could maintain my lifestyle in retirement. If it were left up to the IRS I would have starved, I’ve never seen a more inhumane organization. I am very thankful I could have this organization represent me and thank my attorney and his assistant for all they did.

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    I am writing to thank you for the very professional job that you and your colleagues accomplished in managing my recent negotiations with the IRS concerning an offer in compromise. At the beginning of our work together you clearly mapped out the steps involved in the process and you accurately predicted the response of the IRS at every step. You completed the negotiation in a fairly short period of time, within the budget for fees that we initially agreed upon, and with an outcome that ultimately saved me tens of thousands of dollars. Please don’t hesitate to use me for future client references.

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    My taxes from some previous years hadn’t been filed and I wanted to take care of them correctly and make sure that everything was on up-and-up since I was about to get married. I felt like I would make mistakes if I did it myself or get in trouble when dealing with older taxes since I was going to owe the IRS. I reached out to J David and they’ve been awesome. They were honest and upfront and they stayed in contact with me through the whole thing. Should invite you to the wedding for all you did!

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    Tax Defense Network (Keri Brown), has helped so much. I am greatful to know they were on top of things while I continued to do what I love. They gave me a better understanding on how I am to handle my finances with the IRS. I would more then likely recommend them to anyone.

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    It has been an absolutely complete pleasure working with Amber Sarmiento for these past years. I’ve been a customer for quite some time and Tax Defense Network has help me tremendously through out the years and with all my tax issues. I am very satisfied with the results and most of all the support I get from the Tax Defense Team. Special thanks to Amber Sarmiento for all her help.

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    My husband and I are at the beginning stages of help. I really appreciate the constant communication it really makes me feel comfortable that the debt relief program that we are on is with a team that is dedicated to doing everything that they can to help us eliminate some of our IRS debt.
    I will follow up with another review as the process goes on and once we have completed the program.

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    Overall my experience with Tax Defense Network was Very Good. I would not hesitate to use them again. They finished their work on my case, in a very professional manner, and they made me feel confident in their ability to get the job done.

  • contact

    Pacific Debt
    750 B St #1700, San Diego, CA 92101
    844-494-3039

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