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Pros / The average settlement fee for this company is one of the lowest on our lineup, ranging from 15 to 22 percent.

Cons / This service is not IAPDA accredited.

 Verdict / While this service has a lower percentage for its fees, lower reduced debt and other expenses make this company less appealing than other services.

Editor’s Note: Since our last review, the provider has notified us that they have added a mobile management portal, partnered with a debt management provider and gotten accredited with the IAPDA. These will be included in our next update of this site.

Pacific Debt Inc. specializes in debt settlement. This debt relief service has some of the lowest service fees for your enrolled debt, with a low-end potential of 15 percent and a high-end of 22 percent, which is average. Its average debt reduction after fees is also average, so there are services that reduce a higher percentage of your debt. It does not charge any upfront fees, which no debt settlement service can charge by law.

You are eligible for a debt settlement program with this service if you have at least $10,000 in qualified debt, including credit cards, medical bills and collections. However, the minimum amount is an average and could depend on where you live. To initiate contact with this debt management company, you can call customer service or fill out an online form for a free consultation to see if this service can work with your particular situation. While every situation is different, the typical term for a program with this service is 24 to 48 months. During the time when the service is negotiating with your creditors, you make monthly payments to a federally insured trust account so that when a settlement is reached; those funds are ready to go to your creditor and to Pacific Debt Inc. While settlement services do not guarantee any debt-reduction amount, on average, this service reduces debt by around 30 percent.

This debt settlement company advertises no upfront fees, but while the website explains debt negotiations and the effects of settlement on your credit, it is not forthcoming with figures such as percent of debt reduction and settlement fees. As mentioned above, the fee Pacific Debt charges is between 15 and 22 percent of your total enrolled debt, which is lower than many other services.

This service does have an excellent score with business rating services and is AFCC accredited. The website has useful, educational articles concerning debt and other financial topics. You can read the privacy policy and the FAQs as well as find the phone number and email for customer service. You can also fill out an online help form. When we called customer service for a consultation, we found representatives to be knowledgeable and courteous.

Pacific Debt Inc. Visit Site
  • Customer Service
  • Resources
  1. We calculated this score based on our experience contacting customer service.
    Higher is Better
  2. 5  Pacific Debt Inc.
    80.0 %
  3. 85.0 %
  4. 90.0 %
  5. 80.0 %
  6. Category Average
    81.5 %


Pacific Debt Inc. charges low to average fees for its services, which are based on your total enrolled debt. It cannot promise a specific percentage of savings, but on average, this service gives around a 30 percent debt reduction after its fees, which is average. While this service has some pluses in the way of fees, it is less impressive than other debt settlement services on our lineup.

Pacific Debt Inc. Visit Site