It is important to do thorough research before deciding how to resolve your debt. The purpose of this review is to provide you with a comparison of Pacific Debt Relief vs. Freedom Debt Relief so that you can decide which company is right for you.
Pacific Debt Relief Review: There Is A Reason Customers Rank Them #1 For Debt Consolidation
Pacific Debt Relief has been helping people reduce their unsecured debts since 2002. With an A+ rating from the Better Business Bureau, Pacific Debt Relief has helped thousands of people get out of debt. Is Pacific Debt Relief a scam? As part of our Pacific Debt Relief review, we will examine the company’s history, services, and fees to determine whether or not you should work with them.

You can settle your unsecured debts through the debt settlement company, such as credit card debts, medical bills, student loans, and more. When you enroll in their program, their debt counselors will work with you to develop a debt consolidation plan that fits your budget. When you enroll in their program, they will negotiate lower interest rates and monthly payments with your creditors. If you are unable to make your payments, they will work with you to find a solution.
Over the past 20 years, Pacific Debt has helped thousands of clients repay their unsecured debts. For over 20 years, Pacific Debt has helped clients get out of debt.
Additionally, Pacific Debt Relief charges a one-time setup fee of $49 and a monthly fee of $39. It includes access to their online portal, customer service, and debt counseling services.
Do you think Pacific Debt Relief is a scam? It is not. Pacific Debt Relief is a legitimate company that assists people in repaying their unsecured debt. Pacific Debt Relief is a good option if you need debt relief.
Highlights
- There are no upfront costs associated with the consultation
- You may be able to save up to 35% after fees
- Online account monitoring is easy to do
Trade-Offs
- You may be rushed into making a decision by staff who are pushy
- Savings after fees can be as low as 15% for some consumers
- Residents of states where Pacific Debt operates can take advantage of its relief program.
Pacific Debt Relief: What Is It?
The debt relief process involves negotiating, settling, or filing for bankruptcy to reduce or eliminate debt. Over 30,000 clients have been assisted by the firm since 2002 to settle and resolve outstanding debts totaling more than $1 billion. Over the years, they have provided debt relief services to thousands of people who have been struggling with credit card debt and medical debt.
Those who are having difficulties making minimum payments and who would like to reduce their monthly debt payments should consider using this debt settlement company’s services.
There are many reasons why people need debt relief. For example, they may have lost their jobs and are unable to meet their obligations. It is also possible that they have experienced a medical emergency that prevents them from working.
85% of their customers are satisfied with their service, and they are committed to helping you find a solution that fits your needs and budget.
How Does This Company Work?
Pacific Debt Relief offers a range of services to help individuals get out of debt and manage their finances better. These include debt consolidation loans, financial education, and negotiating lower interest rates and monthly payments with creditors. By getting rid of high-interest debt and reducing monthly payments, their customers can save money and get back on track financially.
Thousands of people have been able to become debt-free with Pacific Debt Relief by consolidating their unsecured loans and credit card debt into one low monthly payment.
Summary Of Pacific Debt Relief
- Affiliations: American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators
- Customer service representatives are available by phone or online for free consultations
- The cost is 15% to 25% of the total debt enrolled. It varies from state to state what the fees are.
- Email or phone customer service
- All unsecured debts are accepted, except for consumer finance loans, payday loans, legal judgments, and medical debts that are not already in the collection. Minimum debts considered are typically $10,000
- An informative blog on debt management is offered as a free resource
- Pacific Debt services are available only in 25 states
- Direct negotiation for debt settlement is offered as a service
- The BBB has an A+ rating and Trustpilot has a 9.3 rating
- A turnaround time of 24 to 48 months is typical
What Type Of Loans Do They offer?
Invest in your home equity by consolidating your debt with Pacific Debt. Depending on your financial situation, they can offer you a variety of loan options.
Pacific Debt Relief negotiates lower interest rates and monthly payments on your behalf with a network of creditors to save you money every month.
You may be able to obtain a home equity loan using the equity in your home as collateral. With the help of this type of loan, it is possible to repay debts. You will not have to pay much interest on home equity loans since they typically have lower interest rates than credit cards and personal loans.
Regardless of your financial situation, Pacific Debt Relief may be able to help you.
How To Qualify For This Company
Pacific Debt Relief is one of the debt relief companies that can assist you in getting out of debt if you qualify for a loan.
You must have a good credit score, a steady income, and at least $10,000 in debt to qualify for a debt consolidation loan from Pacific Debt Relief.
You may be eligible for a debt relief loan from Pacific Debt Relief if you meet these criteria. There is no need to worry about complicated processes, and you will be debt free in no time.
How To Sign Up With Pacific Debt
First, you should speak with a certified debt specialist who will assess your financial situation and determine whether you are a good candidate for debt settlement.
Here are the steps you can take to arrange a free consultation:
- Take a look at Pacific Debt Inc.’s website.
- You can contact a debt specialist by clicking Free Consultation
- Once you have selected your debt amount, click on See Savings
- You can choose how far behind you are with your payments
- The state of your residence may be chosen by you
- After entering all necessary contact information, click on the Submit button
How Much Does Pacific Debt Charge?
In general, the fees are 15-25% of the enrolled debt, so if you owe $10,000, you can expect to pay $1,500 to $2,000.
It is important to note that this is only a preliminary estimate – your debt consolidation loan terms will determine your monthly payments. Unlike other debt settlement companies, Pacific Debt does not charge upfront fees, so it may be of interest to you if you are seeking debt settlement without surprises.
How Much Could You Save With Pacific Debt Relief?
You might find Pacific Debt Relief to be an excellent option with an average savings of 50%. It should be noted, however, that these savings do not include any fees.
Pacific Debt Relief is a reputable company that typically saves 15% to 35% on debt consolidation after fees are taken into account. While you may be able to find a better deal elsewhere, Pacific Debt Relief may be a good choice for the convenience and peace of mind that comes with working with a reputable company.
Minimum Credit Score For A Pacific Debt Relief Loan
Pacific Debt Relief requires a minimum credit score of 660 to qualify for their services, but they may be able to work with you if you have a lower score. In addition to providing low-interest rates and flexible repayment terms, they also offer low-cost loans.
Pacific Debt Relief Program: How Long Does It Take To Resolve Your Debt?
Pacific Debt Relief claims that its program will assist you in paying off your debt in the shortest amount of time possible. The company will negotiate a debt consolidation loan on your behalf once you have enrolled.
They are generally able to resolve the debts of their clients within 12 to 36 months. You may be able to negotiate a lower interest rate or monthly payment amount with your creditor if you are having difficulty making payments. They will work with you to develop a budget and payment plan that meets your requirements.
Pacific Debt Relief: How Does It Affect Your Credit?

There is a possibility that Pacific Debt Relief will negatively impact your credit score, but you may not know how.
To reduce your monthly payments or interest rate, Pacific Debt Relief will negotiate with your creditors on your behalf.
Upon acceptance of the settlement offer, you will make monthly payments to your creditors rather than directly to them. These payments will be retained until we have enough money to pay off your debt.
Your credit score will be negatively impacted by the settlement because the credit bureaus will report your debt as “settled.” Nevertheless, settling your debt is a better option than declaring bankruptcy.
How To Use Pacific Debt Relief’s Website
If you are seeking debt relief, Pacific Debt Relief is an excellent resource. The following is a guide on how to use it.
Use the “Calculate Your Savings” tool to find out how much you can save by working with Pacific Debt Relief.
For more information on how Pacific Debt Relief has helped real people, you can visit the “Success Stories” section.
Finally, you can learn more about Pacific Debt Relief by reading the “Frequently Asked Questions” section.
Following these steps will help you eliminate your debt.
Pacific Debt Relief Reviews
Pacific Debt Relief’s BBB rating and complaints history may be of interest to you if you consider Pacific Debt Relief to assist you with your debt.
The Better Business Bureau has accredited Pacific Debt Relief since 2010, and they are currently rated A+. In the last three years, Pacific Debt Relief has closed three complaints, and one in the last twelve months. Despite this not being a perfect record, Pacific Debt Relief responds to complaints on time.
If you are considering Pacific Debt Relief’s services to revitalize your finances, you may want to consider their BBB rating. You can obtain a more comprehensive picture of their reputation by reviewing their complaints history.
Here are some Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
Pacific Debt Relief: Is It Legit?
In many cases, people wonder whether this company is legitimate and if it settles millions of dollars in consumer debt every month.
In addition to having an A+ rating with the Better Business Bureau, Pacific Debt Relief is a legit company. The company has been in business for 20 years and has helped thousands of people get out of debt.
Furthermore, they only cover half of the states in the country. It is also possible that you will not receive the best deal. You may be able to find a company that offers a lower interest rate or fee.
If you are seeking a legitimate debt relief company, Pacific Debt Relief is a good choice.
Freedom Debt Relief Review: One Of The Largest Debt Settlement Companies In The United States
Debt relief companies offer a way to reduce or eliminate debt by negotiating with creditors. This can be an attractive option for consumers who are struggling to make payments and feeling overwhelmed. However, it’s important to understand how these companies work before making a decision. Freedom Debt Relief is one of the largest and most well-known companies in the industry. They have been in business since 2002 and have helped over 6 million consumers. Freedom Debt Relief offers a variety of services, including debt settlement, debt consolidation, and credit counseling.

In 2002, Andrew Houser and Joshua Lewis founded the company while both were employed at a debt settlement firm called National Consumer Center. To provide a more affordable and customer-friendly solution to people who needed help resolving their debt, they left that company and established their own business.
The company is a Platinum member of the International Association of Professional Debt Arbitrators.
Since its inception, the company has assisted thousands of individuals in obtaining debt relief. Freedom Debt Relief offers three major services: debt consolidation, debt settlement, credit card debt, and credit repair. Individuals can take advantage of all of these services to manage their debts and get back on track with their financial affairs.
Pros And Cons
There are both advantages and disadvantages to working with Freedom Debt Relief.
Pros
- The process of debt relief can be completed more quickly
- It is usually less expensive than bankruptcy in most cases
- You can keep your property
- Credit repair service
Cons
- You may be required to pay taxes on the forgiven debt
- There will be a negative impact on your credit score
- You may still owe some money
It is possible to get out of debt using this method in some cases, however, it may not be appropriate for everyone. Consider all your options before making a decision.
Freedom Debt Relief: What Is It?
Freedom Debt Relief specializes in helping individuals pay off their credit card debt. Their services include debt consolidation, credit counseling, and bankruptcy alternatives. With the assistance of Freedom Debt Relief, individuals can develop a plan that will assist them in getting out of debt as quickly as possible.
In terms of capturing debt settlement customers and gaining market share, Freedom Debt Relief and National Debt Relief are arch-competitors. In terms of consumer regulators, National Debt Relief has maintained a relatively clean record. Freedom Debt recently settled a lawsuit for $25 million with the Consumer Financial Protection Bureau, as well as a lawsuit for $3.6 million with the New York Attorney General.
How Does This Company Work?
The purpose of this process is to reduce or eliminate interest rates, late fees, and other penalties associated with unsecured debt. Due to affordable monthly payments, people can pay off their debt faster. After eradicating their debts, people can begin rebuilding their finances by improving their credit scores.
The Freedom Debt Relief Program: How Does It Work?
The program is designed to assist individuals who are struggling with unsecured debt. Using this program, you can reduce your unsecured debt payments by working with creditors. You can establish a program that works for you by consolidating your debts, making lump-sum payments, or reducing your interest rate by speaking with Freedom’s certified debt consultant. A primary objective of the program is to assist you in reducing your debt to improve your financial situation.
How Does Freedom Debt Relief Affect Your Credit?
Even though Freedom Debt Relief may assist you in reducing your debt, it may also hurt your credit score.
Additionally, if you miss any payments during the program, those missed payments will appear on your credit report for seven years.
Before you decide to allow Freedom Debt Relief to pay off your debts, you should consider the pros and cons.
How Much Does Freedom Debt Relief Charge?
The fees associated with Freedom Debt Relief programs range from 15-25% of the debt you owe, but on average, the fee is 20%. For example, if you enroll $20,000 in debt, you can expect to pay approximately $4,000.
These fees are described in the following manner and what they cover. When you enroll in Freedom Debt Relief’s program, your first month’s payment will be applied to your setup fee. After the first month’s payment is applied to your setup fee, future monthly payments will be applied to your account balance.
Aside from your debt, your account balance includes two components, namely your debt and the Freedom Debt Relief program fees. The program fees are typically between 15 and 25 percent of the debt enrolled in the program.
The program fees cover some services that can help you get your finances in order and improve your credit score. These services include account set-up and maintenance, communication with creditors, negotiating reduced interest rates and monthly payments, and access to our certified credit counselors. By investing in these services now, you’ll be setting yourself up for a much brighter financial future.
How To Contact Freedom Debt Relief Customer Service?
You can reach them by phone at 800-653-1948 or by visiting their website at freedomdebtrelief.com and clicking on the “Contact Us” link. To ensure that customer service can assist you as quickly as possible, please be prepared to provide your account information when contacting them.
How To Use Freedom Debt Relief Website?
FreedomDebtRelief.com is an excellent resource for those struggling with unsecured debt and seeking debt relief. This website provides information about resolving debt problems, negotiating with creditors, and developing a budget, as well as a forum where people can share their experiences and ask questions.
It can be used as follows:
It is necessary to create an account to proceed. It will be necessary for you to provide some basic information, such as your name, email address, and telephone number. After creating an account, you will be able to log in and begin exploring the site.
As soon as you log in, you will be able to access a Debt Freedom Calculator. By using this tool, you will be able to determine how much debt you have, the number of your monthly payments, and the length of time it will take you to repay your debt.
Taking a closer look at the negotiation tools is the next step. By using these tools, you will be able to negotiate with creditors and obtain a lower interest rate.
Lastly, you should take advantage of the budgeting resources available. Using these resources can help you create a budget that includes debt resolution that is suited to your family’s needs.
Is This Company Legit?
The answer to this question cannot be simplified. The company has been helping people get out of debt for over 15 years. Before using their services, you should be aware of a few things.
The first thing you should know is that this is not a magic solution to your debt problems. By establishing a debt settlement program, the company will assist you in paying off your debts.
In addition, Freedom Debt Relief charges a fee for its services. Based on the amount of debt you have and the level of assistance you require, these fees can be substantial.
The third limitation is that Freedom Debt Relief only works with unsecured debts, such as credit card debts. It is necessary to find another solution if you have other types of debt, such as student loans or medical bills.
Fourthly, Freedom Debt Relief is not available in all states. In this case, you will need to find another debt relief option.
It is important to remember that debt relief is not a quick fix. Getting out of debt will require time and effort. You should, however, discuss the potential tax consequences with your accountant.
Freedom Debt Relief Reviews
The purpose of this review is to determine what customers are saying about Freedom Debt Relief based on its BBB ratings.
There are generally positive reviews, with many people stating that Freedom Debt Relief helped them eliminate debt. The company must, however, address a few complaints.
Sheila 02/21/2022
Kristina 02/19/2022
Maikel 02/11/2022
Is Freedom Debt Relief A Good Company?

There have been mixed reviews regarding Freedom Debt Relief. The product has been characterized as a debt relief system by some, while it has been described as a scam by others. In light of this, what is the truth?
Some individuals may find Freedom Debt Relief to be a good company and others may find it to be a bad company. Your specific financial situation will determine what is appropriate for you.
Research Freedom Debt Relief before choosing it to help get you out of debt. Then you will know if Freedom Debt Relief is right for you.