Pacific Debt – Erroneous Consumer Complaint – October 5, 2014

The site received the following comment which I do not believe to be the Pacific Debt company with the domain name the consumer gave. I reached out to Kevin Landie at Pacific Debt, Inc., who is a very nice person, and he informed me there has been some confusion by consumers in the past. This is a good opportunity to set the record straight and clear up any future confusion.

According to Kevin Landie, President of Pacific Debt, Inc, “Pacific Debt, Inc. is not in the business of debt collection and does not collect debts on pay day loans.”

And as you will see based on the email at least one consumer received, the actual company goes by National Pacific Debt. Since National Pacific Debt also claims to be able to settle the debt it is understandable how consumers are becoming confused.

Kevin also offered the following advice to the consumer who submitted the complaint, “The email you received is from National Pacific Debt LLC and originated from the domain pacificdebts.org. Please be advised that PDI does not own that domain nor have we ever conducted business under the name National Pacific Debt LLC.

Based on the research we have done these emails appear to be a scam and we would advise that you not engage with this organization. Additionally, you may want to consider filing a complaint with your state attorney general or the Federal Trade Commission.

PDI is a consumer debt resolution firm based in San Diego, California. We have been in business since 2002 and are an accredited member of the Better Business Bureau (A+ rating) as well as the American Fair Credit Council.”

As other legitimate companies have been sucked into the fake payday loan scam, like this one, it appears some companies believe Pacific Debt, Inc. is one of those companies. They are not.

The domain name used by the scammers is pacificdebts.org whose domain ownership is hidden. Pacific Debt, Inc. is pacificdebt.com and DOES NOT hide their domain ownership.

As an example of emails some consumers have received, Landie sent in this example:

(Case file # 19/7607187-QW)

This is all about an internet payday loan which was borrowed by you from the company name National Pacific debt LLC and within the stipulated time period given by the company you have not yet paid back to the company now company wants their money back so that is the reason why company has filed a case against your name.

Our company name is National Pacific debt LLC. which stands for the association of original creditor and Settlement Company. National Pacific debt LLC. is parent Payday Loan Company who owes and operates about more than 350payday loan websites all over the USA.

I have all the proofs with all of your personal details in the affidavit with me. So before it gets downloaded inside the court house with the legal procedures on your name and on your social security number with hampering your credit ratings Just reply me back whether you want to put a hold on this case file and settle it outside the court house with the settlement amount and close it or else you want to take this matter inside the court house with the penalty fees and judge fees and court house fees and you may end up in a legal mess.

What is National Pacific debt LLC ?

National Pacific debt LLC. Stands for the association of original creditor and Settlement Company. National Pacific debt LLC. is parent payday loan companies who owes and operates about more than 350payday loan websites all over the US and you have taken a loan from one of the sub payday loan website from this company. There are so many payday loan websites like Net Loan USA, Fax Free Cash, Cast Net USA, National Payday, Cash Advance expert, Cash Today, and so on. There are so many payday loan websites and you have logged on to one of the sub payday loan websites and funds were used by you, but not yet paid back to the company.

Why we are helping you in this matter?

Information about your External Credit Score used in this evaluation for credit In addition, we also used a credit score developed by us in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. The credit score below was developed using standard industry methods and was used to evaluate your application. The credit score may differ from the score you obtain from a consumer reporting agency.

Your Credit Score: 360
Date: 01/14/2013
Scores range from a low of 300 to a high of 620.





In event of this happening:

You will incur court costs

You will incur further interest charges as per our Terms and

Conditions of Trade and Your details will be passed to major credit reference agencies. They will make adjustments to your credit rating, which will affect your ability to raise credit in the future.

How is my money safe?

Your money is always safe because YOU are the one holding it. You hold onto the money that will be used to fund settlements in your own account. You will be the one making payment directly to the lender when we reach those agreements. It doesn’t get any safer. After all, who can you trust more than yourself?

How does this affect my credit?

Ceasing payments to creditors is usually devastating to your credit, but payday lending is unique. Few payday lenders report to the traditional credit reporting agencies. Instead they deal with specialized “subprime” agencies such as Teletrack and DP Bureau. Accordingly, settling payday loans throughNational Pacific debt LLC. should not affect your FICOTM score. However, you may experience difficulties in obtaining a payday loan in the future . . . assuming you would ever want one.

What’s wrong with filing bankruptcy?

Bankruptcy once seemed quick and simple, but with recent changes in Bankruptcy laws, many consumers will not be able to eliminate their debt simply by filing. Most consumers are now required to file plans which require them to pay back a portion of their debt under the supervision of the court. This process may last for years. Bankruptcy should be considered the last remaining option in solving financial problems.

Many people file for bankruptcy each year failing to realize they will be forced to deal with the harsh effects that will plague them for the rest of their lives. One must first be aware that bankruptcy does not fade away after 7-10 years. It simply drops from your credit report. The reality is almost all credit applications ask if you have ever filed bankruptcy, and to answer falsely may be illegal, depending on the type of application. Also, costly court and lawyer fees all accompany the process of filing for bankruptcy. Bankruptcy should be considered the last remaining option in solving financial problems.

If I settle a debt, is the savings considered “income” for tax purposes?

When your creditor settles your debt, a savings of $600 or more off what you owed may be reported by National Pacific debt LLC. to the IRS as Discharge of Indebtedness income. Information on tax ramifications to you personally you may also wish to consult a CPA or Tax Attorney and to refer to the IRS websitewww.irs.gov IRS Publication 908- “Bankruptcy Tax Guide” and IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness available on the IRS website.

What are the options for you?

There are 2 options for you to take care of this matter,

1. You can take this matter inside the court house with the legal procedures on your name and by paying more than $4000.00 you can be free from the legal charges and legal consequences. Which may hamper your credit ratings and you’re social.

2. You can settle the matter outside the court house with the legal procedures on your name by paying back the settlement amount back to the company without any legal charges.

So now the rest is up to you.

What you want to do with your case file? Whether you want to settle the matter inside the court house with the legal procedures or you want to take care of this matter outside the court house by paying the settlement amount back to the company?

How do I get started right away?

You just Email us, we are more than happy to work out a payment arrangement. A client care specialist will contact you within one business day.


I urge any consumer who believes Pacific Debt, Inc. is the entity contacting them to contact Pacific Debt, Inc. directly at 877-722-3328 or inquiries@pacificdebt.com.

The Submitted Consumer Complaint

Consumer Statement:

I believe I am being scammed. I have someone e-mailing stating they are from pacific debt and they want payment of an unpaid loan. When I told them I will make payment arragiments the told me they only way I could do a payment is via Western union or Money Gram. They would not take payment with my checking account at all. Everytime I suggest my checking account they say they are unable to do that

Consumer Action Taken:

The way i tried to resolve this issue is paying with my debit card.

Date This Problem Happened: September 10, 2014

State You Live in: Pennsylvania

Race/Ethnicity: Black or African American

Age Range: 21-35

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Total Amount of Fee Paid:

Company Name: Pacific Debt

Company Address:

Company Telephone Number:

Website of Company:

If you feel you’ve been financially hurt by a debt relief company and deserve a refund, read these step-by-step instructions on how to proceed to attempt to get your money back.

If you do get your money back, come back and leave a comment about it. I’d love to praise companies that step-up and do the right thing for people.

Scam reports are submitted by consumers like you. If you would like to file a scam report, please click here.

If you are the company named in this report and you want to respond, please read How to Handle a Consumer Complaint Like a Pro And Come Out Smelling Like a Rose

This is information that was submitted by a third party and not generated by GetOutOfDebt.org or Steve Rhode.
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