Pacific Debt Relief Review 2025: Strong Support and Flexibility, but Few Unique Features

One-on-One Support

Learn More

Debt Settlement

• Impressive customer experience
• Certified debt specialist for one-on-one support 
• Reputable company with solid track record
• In-depth budget review

• Not transparent about cost
• Limited stand-out features
• Fees are on the higher end

Min. required debt	$10,000
Standout feature	Personalized one-on-one support
Membership fees	None
How much can you save?	Reduce monthly payments up to 50%

Pacific Debt Relief is a reputable debt relief option with a customer-focused approach to debt settlement. Representatives are helpful and accessible, making the process a true low-pressure experience.

You’re encouraged to ask questions, and a certified debt specialist provides personalized support from beginning to end. It’s also easy to pause the process if it’s not the right fit—a surprisingly rare feature for debt relief companies. 

Even though Pacific Debt Relief meets industry standards, it doesn’t have a lot of unique features. It can also be hard to find information about fees unless you go through a free consultation. The average costs are 25% of your enrolled debt, which is the highest amount companies can charge while staying within industry norms.

Table of Contents

1. How does Pacific Debt Relief work?
2. Is Pacific Debt Relief right for me?
3. Is Pacific Debt Relief legit?
4. Pacific Debt Relief pros and cons
5. Alternatives to Pacific Debt Relief
   1. National Debt Relief
   2. Freedom Debt Relief
   3. JG Wentworth

How does Pacific Debt Relief work?

Pacific Debt Relief focuses on debt settlement. Onboarding starts with a free consultation and an in-depth budget review with a certified debt specialist. 

It’s a personalized process that takes place over the phone, so it’s probably not the best pick if you prefer a completely digital experience. But most people can benefit from Pacific Debt Relief’s customized approach since it allows you to ask questions and understand what to expect. 

The initial consultation is only the beginning—if you decide to work with the company, Pacific Debt Relief will create a settlement plan for you, and you will begin making payments to an escrow account. Pacific Debt then will work with your lenders to settle the debt, which is why it can take up to four years to wrap up.

Programs	Debt settlement
Process	Free consultation, in-depth budget review, make new all-inclusive payments
Time frame	2 – 4 years
Settlement fee	Average fee is 25% of enrolled debt
Accreditation	IAPDA and The Consumer Debt Relief Initiative

Is Pacific Debt Relief right for me?

Pacific Debt Relief is a solid option if you’ve missed payments and have at least $10,000 of unsecured debt. It’s one of the top picks if you want personalized help and a case manager who stays with you throughout the entire two- to four-year process.

Pacific Debt isn’t currently available for Oregon residents, but the company can connect you to a partner debt relief company that can help.

Requirements	Details
Minimum debt	$10,000
Eligible debt	Unsecured debt like credit card debt, utility bills, and medical debt
Ineligible debt	Secured debt, like auto loans and mortgages
Locations	Available in every state, expect Oregon

Is Pacific Debt Relief legit?

Pacific Debt Relief has been in business for nearly 25 years and has settled over $500 million of debt since 2002. It’s a reputable BBB-accredited business that sticks to industry regulations and recommendations from the FTC. 

Reviews for Pacific Debt Relief consistently mention that the customer experience is top-notch. Customers report that representatives are helpful, compassionate, and honest.

Source	Customer rating	Number of reviews
Better Business Bureau	4.94/5	1,976
Trustpilot	4.7/5	1,998
Google	4.6/5	299

Data collected on 6/7/2025

Pacific Debt Relief pros and cons

Here’s an in-depth look at what you should consider before moving forward with Pacific Debt Relief. 

Pros

• Impressive customer experience

  It’s hard to find a better customer experience than you get with Pacific Debt Relief. The intake process is straightforward, and the representatives are compassionate.

• Certified debt specialist for one-on-one support

  You get one-on-one support from a certified debt specialist who answers questions and keeps you in the loop throughout the entire process. 

• Reputable company with a solid track record

  Pacific Debt has settled over $500 million of debt since 2002. You can find thousands of positive online reviews from happy customers. 

• In-depth budget review

  As part of the intake process, Pacific Debt Relief completes an in-depth budget review. A certified debt specialist looks at your expenses and income to determine an appropriate monthly payment amount. It’s a great chance to get a handle on spending habits or any other concerns.

Cons

• Not transparent about cost

  You can’t find any information about pricing online, and representatives won’t provide exact numbers on the phone until you go through a free consultation. This makes it harder to compare other options. 

• Limited stand-out features

  While Pacific Debt Relief has great customer service and a solid reputation, the company lacks standout features like a money-back guarantee or lower fees. 

• Fees are on the higher end 

  Debt relief fees range from 15% to 25% of the debt you enroll, and Pacific Debt Relief charges average fees of around 25%. That’s within the usual range, but on the higher side. 

Alternatives to Pacific Debt Relief

Here’s a look at some of the best personal finance companies that are alternatives to Pacific Debt Relief.

National Debt Relief

National Debt Relief stands out with its signature Whole Human Finance approach, which looks at your entire budget and life situation. It’s easy to find information on the website about how debt settlement works, and you can find thousands of positive customer reviews. Plus, the minimum debt requirement is $7,500, which is lower than Pacific Debt Relief’s $10,000 requirement.

The only downside? Debt relief services aren’t available in Oregon, Vermont, West Virginia, and Wisconsin. We rate National Debt Relief as the best overall option among our highest-rated debt relief companies.

Freedom Debt Relief

Freedom Debt Relief also has a lower minimum debt requirement of $7,500 rather than $10,000 like Pacific Debt Relief. But other than that, the process is similar: a free consultation, a budget review, and a settlement plan.

You’ll likely get less personalized attention than you would with Pacific Debt Relief since you won’t have an assigned debt specialist. Freedom Debt Relief also charges a one-time setup fee of $9.95 and a monthly service fee of $9.95. The company earns our best for transparency among the top-rated debt relief companies.

JG Wentworth

In business for over 30 years, JG Wentworth is the longest-standing company on this list. It also offers a wide variety of financial products and services, including loans. The company’s debt relief options are similar to Pacific Debt Relief. The biggest difference is that the minimum debt amount is lower at $7,500.