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Pacific Debt Inc

in Debt Settlement Firms

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Pacific Debt Inc

Claimed

in Debt Settlement Firms

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Overview

Where does Pacific Debt Inc do business?

Pacific Debt Inc is a debt settlement company based in San Diego, CA. The company was founded in 2002 and offers debt relief services to borrowers in 27 state across the USA.

What does Pacific Debt Inc do?

Pacific Debt Inc offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt, personal loans and medical debt

What does Pacific Debt Inc charge?

Pacific Debt Inc operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt. Pacific Debt Inc's fees start at 15% and go up to 25% of the enrolled debt depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to Pacific Debt Inc directly to determine an accurate quote.

Does Pacific Debt Inc offer a guarantee?

No, Pacific Debt Inc does not offer a money back guarantee.

What is the minimum debt Pacific Debt Inc will consider?

Pacific Debt Inc will only consider customers with unsecured debt of $10000 or more. Customers with less than $10000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does Pacific Debt Inc perform its own servicing in-house?

Yes, Pacific Debt Inc employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Pacific Debt Inc have?

The two main trade associations in the debt relief services space are the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • Pacific Debt Inc is an accredited AFCC member.
  • Pacific Debt Inc is an IAPDA member.

PACIFIC DEBT INC Disclosure: *Clients who make all their monthly program deposits pay approximately 50% 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 our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our 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 we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Message from Pacific Debt Inc

Above all though, the biggest difference between Pacific Debt and many of its competitors is the personal level of service the consumer receives throughout the process.

Availability

Available in 27 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kentucky
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Texas
  • Utah
  • Virginia

Feature Breakdown

% of Debt Fee
15% - 25%
0% 75%
Pricing Model
  • Contingency Fee (% of enrolled debt)
Minimum Debt Owed
$10,000
Debt Type
  • Unsecured Debt
In-House Servicing
Contingency Model
IAPDA Member
AFCC Member
Free Consultation

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