Pacific Debt Inc has been in business since 2002 and has settled over $ 300 million in debt. It does well in the customer experience category, earning an A + from the Better Business Bureau and a 4.8 out of 5 stars from Trustpilot.

Pacific Debt states that the total time to settle your debt can take 24 to 48 months, although some programs take longer. It offers a free consultation and estimate. Educational resources are available on the company’s website, but it doesn’t offer features like live chat or a customer dashboard.

Like the other companies on our list, Pacific Debt is accredited by the AFCC. It operates in 29 states and the District of Columbia.

What to watch out for

According to information posted on its site, the average customer can expect to pay fees of 15% to 35% of the total listed debt, a wider range than the other companies on our list. In the high end (35%), you would pay a lot more for this debt settlement service. It usually takes $ 10,000 of unsecured debt to qualify for the Pacific Debt program. In addition, this company does not operate in 21 states.

Details

You can sign up for Pacific Debt Inc’s services online or call for a free debt analysis. The company does not operate in Connecticut, Delaware, Georgia, Hawaii, Illinois, Iowa, Kansas, Maine, Nevada, New Hampshire, New Jersey, North Dakota, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Vermont, Washington State, West Virginia or Wyoming.