Pacific Debt Inc

Josh *** is in charge of my accountHe is doing an extraordinary jobHe is always on time answering my calls and emailsAnd the settlements agreements are outstanding!!!

I was very pleased with the way Pacific Debt worked with usWhen we were struggling they were always there to help usWe had several account managers and it seemed like we were just passed aroundHowever *** *** was the last one to work with us and she was the bestShe answered all of my questions without making me feel stupidShe worked hard to get us through the process and settle our accounts

I signed up with them online and they called right awayI was a bit scared giving my information and power of attorney to them for my accountsIt has only been a few months and not enough time to resolve my debts but they are always in touch in case we have any questionsVery friendlyJust contacting them and getting things started reduced my financial stressFrom the 1st month my monthly payments went from paying $a month down to $a monthThanks to Pacific Debt

Pacific Debt, and especially Josh ***, have been fantastic to work withThey always have your best interests in mind and do a fantastic jobHighly recommend them

Ellen H*** with PDI is absolutely amazingHer customer service and genuine caring fit my situation is an example of what REAL customer service is about:
Care about your customer!!
THANK YOU ELLEN!!!!

I have had minimal contact with my account rep (which by the way has changed several times over the last year and a half) and often times it is because she made some sort of financial error and wants more money to fix it (miscalculated a settlement offer)That said, the customer service is not the worstIn fact, I feel like they have quite the sales team because man can they pitch their service
Here is my warning about my experience:
If you use this company, make sure you fully understand how they operateDo not let them summarize the contract over the phone, get off the phone and read it word for word
Their services do nothing that you can't do yourselfThey will not settle your debts and have you pay them backThey set up an escrow account and will settle debts as your funds become available (after you start accumulating money in the account) and they will only settle with what you have available
So if you put in the minimum amount, they will only work with one or two of your creditors
They charge MASSIVE feesI am charged almost 1/in fees of what I am putting in to the account, have been working this resolution for over a year and have creditors still threatening judgments
I am paying $a month in settlement fees (they CHARGE A FEE OF TWENTY-TWO PERCENT "22%" of the original debt at the time you enroll in the program- it is not based on the amount they settle it for), I pay a $for a monthly service fee, another $for a check payment fee and a $phone fee (??? No clue what that is)
I could have saved that money each month to go towards my debts and paid them down much fasterIt’s a shame that I didn’t read the fine print, but I was just so excited by the thought of freeing myself of this debt burden and honestly was worn down and didn’t want to deal with itI will be closing my account with them to prevent them from settling any other debts and add extra cash to the account to pay of my settlements quicker to save myself those extra monthly feesI would recommend you just open a separate account that you won’t touch and throw a few hundred in there each month and work with your creditors yourself
They don’t stop the calls, they don’t expedite the recovery, they start by working with collection agencies they have good relationships with and settle the debts at what I would figure are higher rates than you could probably do yourself

We have been using PacDebt for about yr and they have resolved out of of our credit card debtsThe company does what they advertise and offer, our acct mgn Josh H does a great job in keeping us informed and has managed our accounts while staying within our budget requirementsSo far in yr he has settled the accounts at a very reduced rate and has one to go
I highly recommend Josh and Pac Debt to solve your credit issues

Thank you Ellen *** for your professional assistance on resolving my credit card debt issues

good companyhas been helping me since I highly recommend pacific debt

I am very pleased with my experience so farI work with the account manager, *** ***, and she has really been able to assist me in settling my accountsI fell behind due to unemployment and I finally feel as if I can breatheI would recommend pacific debt to anyone who needs relief and assistance with their debt

We have been very happy with Pacific Debt from the first day we contacted them about getting startedEveryone has been so helpful and kindOur case manager we’ve been working with has been awesome as wellOverall we are so grateful we chose to go with Pacific Debt to reach our goal of finally being debt free!!

Being in debt can be stressful and confusing when you have no idea how to get out of it I found myself in this situation and found Pacific Debt to help me get back to being debt free Pacific Debt helped me feel like there was a way of the hole that I had gotten myself into and couldn't seem to make progress with minimum payments just covering interest PD was very supportive and informative They were available to talk to me whenever I was nervous or unsure I am still in the process of working with PD, but they are making great progress with reducing my debt and saving me money in the process

The company does not provide the service they claim to provideThey let my accounts I wanted to resolve the debt for go into collection status which severely dropped my credit scoreThey do not respond after several email and phone requests to contact me about my accounts

E.H
I find that she is very helpful and efficient, She negotiated settlements with almost all of our creditorsI am very happy with her and what she is doing

I must say that Mr***, is The Man! He handled an acct for me and brought them to their knees! He was able to get what I owe down to a reasonable figureIm grateful for ***'s time and know how which made this happenThanks so much *** and PDI
***

I was very happy with the way they treated meAt anytime I had a question or was worried about something I called *** and he was right there to answer any questions They seriously saved me alot of money and talking to my creditors helped me not be so stressed outI really feel good about this company

I was placed into the Pacific Debt program when I had contacted another company about help with debtI have been in the program for monthsIt was explained from the very first call, that I would see results and have help resolving my debt after months of payment into this programI would be appointed an account manager who would be negotiating with my creditors on my behalfI had to send copies of every letter and notice I had received form any of these businessI was to not speak to any of these creditors because it was leverage for negotiationI made a monthly payment to build an account to pay these debts fromAfter many phone calls and emails and pleas to see what the status of getting an account manager, I finally had been assigned one on the 19th of March, However, I did not actually speak with her until the 26thI had to call her back times to get a responseThis was almost months into this programNot the months as promisedThey have contacted of my credi

Cannot speak more highly of Pacific Debt and would recommend this company to anyoneFrom the start, I knew what to expect and that I would not be alone throughout the process Pacific Debt assigns one individual to your account and they are with you all the wayEllen Hill is my account manager and she has been great, extremely knowledgeable and patient with me throughout the entire process

Pacific Debt and their team of amazing and kind representatives are stellarIn particular, my account manager, Raul, assisted me in making my payments more manageable and attainableHis compassion and knowledge caused me great relief of the constant anxiety of debtRaul is the best!!!!!!!!!!

Excellent customer serviceEfficient and proactive transactions and settlements