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Pacific Debt – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

Would you recommend Pacific Debt to others?

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Anonymous

    These companies are banned in the us and parts of canada!! Beware!!! They are currently under review by the government of Canada and will likely be banned from doing business in this country.

  • Ryankrongel

    Very legit company. In business over 10 years, A+ rating w/ the BBB and charges no advance fees.  Good luck finding a more reputable company that can assist you.

  • Got Suckered

    My wife and I went with this company. After 2 years we were farther in debt and was being sued by one of our creditors. We contacted an attorney to find out we were in worse shape then ever before. One creditor placed a lien on our home and several were trying to place attachments on our wages. Our attorney advised us to stay away from companies like this because they prey upon good people that are trying to do the right thing. As an example of our experience, we started with a credit card that was $2,000.00 when we stopped the program two years later we owed $3,500.00 because of interest and penalties. This company took a large portion of our monthly payment for their own fees. Besides the first 3 payments they take for fees. They assured us that the calls would stop and they didn’t. We had to disconnect our home phone because they called several times throughout the day. They also called our place of employment and nearly cost us our jobs. We had to file bankruptcy to avoid losing everything we had worked so hard for and to keep our wages safe. Knowing now what I have learned. I would have contacted my creditors myself and they will work with you. They play hard ball to start with but they will work with you. In my opinion these companies are not out to help you they take advantage of you.

  • Got Suckered

    My wife and I went with this company. After 2 years we were farther in debt and was being sued by one of our creditors. We contacted an attorney to find out we were in worse shape then ever before. One creditor placed a lien on our home and several were trying to place attachments on our wages. Our attorney advised us to stay away from companies like this because they prey upon good people that are trying to do the right thing. As an example of our experience, we started with a credit card that was $2,000.00 when we stopped the program two years later we owed $3,500.00 because of interest and penalties. This company took a large portion of our monthly payment for their own fees. Besides the first 3 payments they take for fees. They assured us that the calls would stop and they didn’t. We had to disconnect our home phone because they called several times throughout the day. They also called our place of employment and nearly cost us our jobs. We had to file bankruptcy to avoid losing everything we had worked so hard for and to keep our wages safe. Knowing now what I have learned. I would have contacted my creditors myself and they will work with you. They play hard ball to start with but they will work with you. In my opinion these companies are not out to help you they take advantage of you.

  • Eberd3

    * How did you feel about the customer service experience you received?
    They are always real responsive when I called.

    * Was the company easy to communicate with before or after you became a client?
    Both – the Customer service was good

    * Did the company respond to your communications promptly?
    Yes – I would fax in collection call logs and they would always follow up with a call to tell me they received the information.

    * What were the fees charged for the services you received?
    My only gripe… 30% of what they settled for… YIKES!!

    * Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
    Yes… however, I was so desperate ate the time I guess I never even thought of the fees or how much they charged.

    * Was the program successful for you and accomplish the goals you had when you entered the program?
    Overall – yes. I received a settlement on a credit card deby from 46K down to 14K

    * Did you have a really good experience you can share?
    My good experience was the debt was settled.

    * Did you have a bad experience you want to share?
    Fee shock!!

    * Is there any other information you’d like people to know that might be considering the services of this company?
    They have always been very responsive and worked with me for a couple months when money was tight. Other than the fees they charged – good experience.

  • Eberd3

    * How did you feel about the customer service experience you received?
    They are always real responsive when I called.

    * Was the company easy to communicate with before or after you became a client?
    Both – the Customer service was good

    * Did the company respond to your communications promptly?
    Yes – I would fax in collection call logs and they would always follow up with a call to tell me they received the information.

    * What were the fees charged for the services you received?
    My only gripe… 30% of what they settled for… YIKES!!

    * Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
    Yes… however, I was so desperate ate the time I guess I never even thought of the fees or how much they charged.

    * Was the program successful for you and accomplish the goals you had when you entered the program?
    Overall – yes. I received a settlement on a credit card deby from 46K down to 14K

    * Did you have a really good experience you can share?
    My good experience was the debt was settled.

    * Did you have a bad experience you want to share?
    Fee shock!!

    * Is there any other information you’d like people to know that might be considering the services of this company?
    They have always been very responsive and worked with me for a couple months when money was tight. Other than the fees they charged – good experience.

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