At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Pacific Debt Inc
Pacific Debt Inc is veteran-owned and has been in continuous operation since 2002 — one of the longest runs in an industry full of companies that pop up and disappear within a few years. Out of Boise, Idaho, they have resolved over $1 billion in unsecured debt for more than 50,000 clients. Only 32 CFPB complaints in three years. That number is almost unheard of for a company handling this volume. The real difference with Pacific Debt is caseload. At the big firms — Freedom, National Debt Relief — each negotiator juggles 300-500 accounts. Pacific Debt keeps those numbers deliberately lower. What that means for you: your negotiator actually recognizes your name when you call, picks up the phone within hours instead of days, and can time settlement offers around your escrow balance without you reminding them. That is why they carry a 4.9 on Trustpilot — the highest sustained rating in debt settlement. They handle the standard unsecured stuff: credit cards, medical bills, personal loans, private student loans, collections. The $10,000 minimum is higher than some competitors, and that is intentional — they want clients whose debt level actually justifies the credit damage that comes with settlement. They cover 40+ states (a handful like Connecticut, Colorado, and Vermont have laws that make settlement impractical). Fees run 15-25% of enrolled debt, paid only after successful settlements, fully FTC-compliant.
Key Features
Highest Customer Satisfaction in Debt Settlement
A 4.9 Trustpilot rating from thousands of verified reviews. No other debt settlement company has held that score at this volume.
Veteran-Owned Business
Military discipline shows up in how this company runs — low staff turnover, tight operations, and a service-first culture that actually translates to results.
Personal Touch
Fewer accounts per rep means your negotiator knows your name, returns calls same-day, and can time offers around your escrow balance.
Financial Education Resources
You get budgeting tools and financial literacy materials so you do not end up right back in debt after the program ends.
How It Works
Free Evaluation
A certified debt specialist looks at your numbers — no cost, no obligation, no pressure.
Enrollment
Pick which debts go into the program and set a monthly deposit amount that fits your budget.
Negotiation
Negotiators who know the creditor playbooks start working to cut your balances down.
Settlement Approval
Every settlement goes through you first. Nothing gets paid without your sign-off.
Program Completion
Every enrolled debt is resolved. You graduate from the program debt-free.
What They Do
- Debt Settlement
- Debt Negotiation
- Financial Education
- Budgeting Assistance
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- Private Student Loans
- Store Cards
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Medical Debt and Credit Card Consolidation
Client enrolled \$48,000 across 5 accounts: \$22,000 in medical bills from an emergency surgery and \$26,000 in credit card debt (Chase, Citi, Discover). Pacific Debt prioritized the medical accounts first since hospital billing departments are typically more willing to settle than credit card issuers. The \$22,000 in medical debt settled for \$6,600 (70% reduction) within the first 5 months.
Post-Divorce Credit Card Debt Resolution
Client inherited \$37,500 in joint credit card debt following a divorce, spread across 4 accounts. Income had dropped from dual-earner household to single income of \$52,000/year. Pacific Debt negotiated the largest account — a \$15,000 Amex balance — down to \$5,250 (65% reduction) as the first settlement at month 6.
Pros & Cons
Pros
- Industry-best 4.9 Trustpilot rating sustained over thousands of verified reviews — not inflated by incentivized reviews or cherry-picked feedback
- 22+ years of continuous operation through multiple economic cycles, including the 2008 financial crisis and COVID-19 pandemic, demonstrating genuine institutional stability
- Veteran-owned culture translates into measurably lower staff turnover than competitors, meaning your assigned negotiator is less likely to leave mid-program
- Only 32 CFPB complaints in 3 years despite handling \$1B+ in debt — the lowest complaint-to-volume ratio among major settlement firms we reviewed
- Smaller client loads per negotiator (estimated 150-200 accounts vs. 300-500 at large firms) result in faster communication and more strategic settlement timing
Cons
- \$10,000 minimum debt requirement is the highest among top-rated firms — Accredited Debt Relief and National Debt Relief both accept \$7,500
- Not available in all 50 states; residents of Connecticut, Colorado, Vermont, and several other states with restrictive debt settlement laws cannot enroll
- Smaller company size means limited capacity during high-demand periods (post-holiday season, economic downturns), which can slow onboarding by 1-2 weeks
- Does not offer a formal money-back guarantee or satisfaction pledge, unlike some competitors who provide 30-day refund windows
User Reviews (19)
veteran-owned and it shows
Structured. Organized. Every step documented. My dedicated manager treated it like a mission. 4.9 Trustpilot is earned not bought.
not the fastest but consistent
First settlement at month 7, slower than Accredited. But every subsequent settlement landed like clockwork. Consistency and predictability mattered more to me than speed.
highest trustpilot rating for a reason
4.9 stars with 5,200+ reviews doesn't happen by accident. My dedicated manager Mike returned every call within 2 hours. Shoutout to Mike. Never felt like a number.
fees right in the middle
Not the cheapest or most expensive. What justifies it is the dedicated manager model and customer satisfaction scores. Service was better than competitors even if results were similar.
been around since 2002
In an industry full of fly-by-night companies, Pacific Debt has been operating 22+ years. That means every major creditor knows who they are.
not available in every state
About 40 states. My brother in Vermont couldn't use them. They should list excluded states on the website instead of making people call.
best customer service of any company ever
Not just best debt settlement company. Best customer service PERIOD. My manager Jessica called me after hours when a creditor sent a threatening letter. Shoutout to Jessica. That kind of care matters.
proactive updates every 2 weeks
My manager called every other week with updates even when nothing was happening. "Just checking in." That reduced my anxiety compared to friends at companies that only called with settlement offers.
Amex settlement rate was bad
Four accounts settled between 40-48%. Amex settled at 56%. Manager said that's actually decent for Amex. If you have heavy Amex debt manage your expectations I guess.
good
good
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Frequently Asked Questions
Related Companies
Important Debt Relief Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
Editorial Independence
We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.