Settle your debt and gain peace of mind!
Let our experienced team help resolve your debt with no upfront fees.

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Unsecured Debt


Debt Settlement is a debt relief program designed for consumers who are experiencing financial hardship and are seeking an alternative to bankruptcy. Our counselors will discuss your situation and design a plan around your budget to settle your debts in as little as two to four years.

What we do?

Our team is committed to providing the highest level of customer service in an effort to have your debts settled as quickly as possible. Some of the benefits of our program include:

  • Reduce your debt
    upon full program completion if qualified
  • Get out of debt faster
    upon full program completion if qualified
  • Make one low monthly program payment
  • No Upfront Fees


Pacific Debt was able to settle all of my debt for substantially lower than I could have and in a shorter amount of time. Pacific Debt has been great to work with and I highly recommend them. In fact I referred a friend and she is currently enrolled in their
program.    Tobi

Why Debt Consolidation Programs May NOT Be Your Best Option

With so many companies touting debt relief options these days it is easy to see why consumers become confused when seeking debt consolidation help. Before you obtain a debt consolidation loan or enroll with one of the countless debt consolidation companies you should be able to answer the following questions:

  • What is debt consolidation?
  • How do debt consolidation loans work?
  • What is the difference between debt management and debt settlement?
  • Can you distinguish legitimate debt consolidation companies from fraudulent ones?

A debt consolidation loan is the most common form of debt consolidation. In this scenario the consumers obtains one new loan in order to pay off other forms of debt, such as credit cards and medical bills. Ideally the new loan will have an affordable monthly payment and lower overall rate of interest than their previous debts. In recent years, banks have tightened their lending standards and debt consolidation loans have become more difficult to qualify for, often requiring the borrower to have excellent credit and/or provide collateral (such as your home or car) to qualify. One issue that debt consolidation loans do not address is consumer behavior. If a consumer uses a debt consolidation loan to pay off past debt but does not change their spending habits, they may end up with more debt than they initially started with.

Instead of obtaining a new loan many consumers opt instead to enroll with one of the many debt consolidation companies that provide debt relief solutions. Most of the debt consolidation programs fall into one of two categories, either debt settlement or debt management. There are significant differences between these programs and consumers should understand the advantages and disadvantages.

With debt management, the company will set the consumer up with one monthly payment and disburse that payment up amongst the client’s creditors each month. The client’s creditors in turn agree to reduce the interest being charged but will also require that consumer close their credit line, which may adversely impact a consumer’s credit score. Additionally, these plans still require the consumer to pay 100% of their balance plus interest and thus often extend up to five years or more.

An alternative to debt management is debt settlement. With debt settlement the company seeks to reduce the principle of what is owed, not just the interest rate. This option may allow a consumer to payoff their debt faster than either a debt consolidation loan or debt management; however, it does have drawbacks, such as negative credit impact and possible tax or legal consequences.

Once you have a firm grasp of the debt consolidation programs available, it is equally important to research the company you intend to do business with. Use the Internet to research debt consolidation companies to make sure they are not fraudulent. For instance, if you searched for Debt Consolidation San Diego online, you might come across our company Pacific Debt, Inc. Pacific Debt has been in business for close to ten years and is an accredited member of the Better Business Bureau. We offer a free no obligation consultation and are happy to review with you all of your questions regarding debt consolidation and the options available to you.

About Pacific Debt

Pacific Debt was founded in an effort to address the growing tide of unsecured debt in our country. Our mission has always been to put the consumer first and make customer satisfaction our top priority. In order to achieve these goals PDI places a major emphasis on customer service. We believe "the customer is always right" and do everything in our power to meet or exceed expectations. This commitment to customer service has also allowed PDI to achieve an A+ rating as an accredited member of the BBB.
"I want to thank you all for a new beginning to a debt free life."


Our Process

Fill out Pacific Debt's 30 second online form for FREE Consultation

Consult with a debt specialist to review your options and determine if debt settlement is right for you

PDI works with the creditors you enroll to obtain agreeable settlements.


Pacific Debt, Inc. is an accredited member of the Better Business Bureau with an A+ rating and is also a member of AFCC, the debt settlement industry's largest trade association
Pacific Debt Inc BBB Business Review