Pacific Debt Relief B St, San Diego

Everything part of the process has been positive. PDI helps with getting you out of debt which is the goal I have. I am close to being debt free thanks to PDI. Josh has been wonderful in helping me with questions I had throughout the almost last phase of this process. Thanks for everything with getting me out of debt.

Julia was very professional and knowledgeable She answered my questions effectively

I am really surprised by these 5 star reviews and feel like these must be fake reviews. 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. That said, the customer service is not the worst. In fact, I feel like they have quite the sales team because man can they pitch a service. Now here is my warning about the actual service: Do not use this company or if you do, make sure you fully understand how they operate. Do 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 yourself. They will not settle your debts and have you pay them back. They 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 fees. I am charged almost 1/3 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 $92.00 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 $10 for a monthly service fee, another $10 for a check payment fee and a $3 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 faster. It’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 it. I 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 fees. I 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.

Keep receiving calls for 2 weeks now claiming I've seek out services from this company. Calls from 2 seperate numbers twice a day. Both numbers appear as Pacific Debt. I've also received group chats appearing to be an ongoing conversation regarding paperwork submitted even though I have never had contact with this company.

We have been in the PDI program for almost 2 years. In those 2 years any question, concern, payment issue, just anything our account manager Josh H has been right there to help us! He is extreamly quick to take action with any issue in the account and is always right on top of it. There is great communication whether it is by phone or email, we are always updated with any changes, settlements, or even if there hasnt been any changes he has reached out to let us know how the process is going. Also we didnt feel judged for being young and making stupid mistakes with our credit. We have settled all of our accounts but 1 and its such a great feeling and we do owe that to pdi\Josh for helping us! I would and i have recommended them to others who are looking to get help with their debt!

Do NOT do this! First of all my credit ratings dropped down so low because they make you get behind in payments. They told me that but I still didn’t like it. My credit is just now getting back up. Second, and the most important thing and they did not tell me. The creditors can file with the IRS the amount still owed after settlement. I have had three of them do that and I now owe the IRS $3000! The creditors don’t give the right amounts either but you can’t fight the IRS. Please check all of this out before you end up in the financial mess I’m in now.

Speaking with the team at Pacific Debt I found them to be Friendly ready to help and very patience. I really appreciate their help and understanding, special thanks to Ms Julia Quirks Success Manger Thank you Karen Everheart

Julia has been my guardian angel through this whole stressful ordeal I put myself in. Thank you so much for your comforting and hold my hand through this journey B Ky Milliron

Julia Quirke over at Pacific Debt was great when we spoke over the phone. She provided me with very detailed information and answered all my questions I had.

A great experience, they do care about helping you get all your bills paid. Mr. Lo Bianco was great! and so were all the people I dealt with there at Pacific Debt, I'd recommend them to anyone who needs a fresh start.