Whether you are seeking a personal loan or settling your debts, this review compares Pacific Debt Relief vs National Debt Relief. Both companies have been compared so that you can make an informed decision.
Pacific Debt Relief Review: There Is A Reason They Are Ranked #1
Pacific Debt Relief is a debt relief company that has been operational since 2002. The company offers debt reduction services for unsecured debts and has an A+ rating from the Better Business Bureau. Thousands of people have benefited from Pacific Debt Relief’s services, and the company has a positive reputation. In this review, we will take a look at Pacific Debt Relief’s history, fees, and services to help you decide whether or not this is the right company for you.
This debt settlement company offers help with unsecured debts, such as credit card debt, medical bills, and student loans. Enrolling in a debt settlement program means that a company will contact your creditors to try to get them to agree to lower interest rates and monthly payments. A debt counselor will work with you to create a debt consolidation plan that meets your budget. And, importantly, they will work with you to find a solution should you struggle to make payments.
Among other companies, Pacificdebt.com stands out due to its extensive experience. Over the last 20 years, Pacific Debt has helped thousands of people get out of debt. Clients can pay off their unsecured debts with their help.
There is also a $49 one-time setup fee and then a $39 monthly fee with Pacific Debt Relief. They also offer customer service and debt counseling through their online portal. In addition, there are no upfront costs.
Do people get scammed by Pacific Debt Relief? They don’t. The Pacific Debt Relief company is a legitimate debt consolidation company that has years of experience in helping people pay off unsecured debt. It is recommended that you seek debt relief from Pacific Debt Relief if you need it.
- No upfront fees and free consultation
- After fees, you could save up to 35%
- You can monitor your account online easily
- Staff that pushes you to make a decision too quickly
- Fees can reduce savings by as much as 15% for some consumers
- The Pacific Debt Relief Program is only available in states where Pacific Debt operates.
What Is Pacific Debt Relief?
Debt relief involves reducing or eliminating debt, which can be done through negotiations, settlements, or bankruptcy filings. In the past decade, the firm has assisted more than 30,000 clients in determining and resolving debts totaling more than $1 billion. Thousands of people have benefited from their debt relief services.
If you are having difficulty making minimum payments and would like to reduce the amount you must pay to your creditors, this debt settlement company may be of interest to you.
There are many reasons why people may need debt relief. Perhaps they lost their job and are unable to make payments. It is also possible that they are unable to work due to a medical emergency.
With an 85% success rate, they can be relied on to help you find a solution that fits your needs and budget.
How Pacific Debt Relief Works
Besides debt consolidation loans, Pacific Debt Relief also provides financial education to help people manage their money better and avoid becoming in debt. By negotiating lower interest rates and monthly payments with creditors, the company helps customers escape debt.
Organizing your credit card debt and unsecured loans into one low monthly payment can help you get out of debt faster. Many people have been able to achieve debt freedom through Pacific Debt Relief.
Pacific Debt Relief Summary
- Associated with the American Fair Credit Council, Better Business Bureau, Consumer Affairs, and International Association of Professional Debt Arbitrators.
- Customer service representatives are available by phone or online for free consultations.
- The cost ranges from 15% to 25% of the total debt enrolled. Fees vary from state to state.
- You can reach customer service by phone or by email.
- In addition to all unsecured debts, we will also accept consumer finance loans, payday loans, legal judgments, and uncollected medical debts. Typically, $10,000 is the minimum debt considered.
- An informative blog on debt management is offered as a free resource.
- Only 25 states offer Pacific Debt services.
- Debt settlement through direct negotiations is the service offered.
- There is an A+ rating from the Better Business Bureau and a 9.3 rating from Trustpilot.
- The turnaround time is between 24 and 48 months.
What Kind Of Loans Does Pacific Debt Relief Offer?
Debt consolidation and home equity investments are two ways Pacific Debt can help you get out of debt. Their loan options allow them to tailor a solution to your needs.
You can save money each month by negotiating lower interest rates and monthly payments with Pacific Debt Relief and its network of creditors.
Getting a home equity loan is possible if you own a home with equity. This loan can be used to pay off your debt. You don’t have to pay much interest on home equity loans since they typically have a lower interest rate than credit cards or personal loans.
Pacific Debt Relief can help you no matter what your financial situation is.
How To Qualify For Pacific Debt Relief
The purpose of your search for debt relief companies may be to assist you in getting out of debt. However, what are the requirements for qualifying for a loan such as the one offered by Pacific Debt Relief?
There is a minimum debt consolidation loan requirement of $10,000 and a maximum debt consolidation loan amount of $100,000. Having a stable income and a good credit score would also be helpful.
With Pacific Debt Relief, you can apply for a debt relief loan if you meet these requirements. It’s easy to do, and you’ll be debt-free sooner.
How To Sign Up With Pacific Debt
Your first step will be to speak with a certified debt specialist who will evaluate your financial situation and determine if you are a good candidate for debt settlement.
You can schedule a free consultation by following these steps:
- Click & Start Saving Now Inc.
- Get a free debt consultation by clicking Free Consultation
- Click See Savings after selecting your debt amount
- Choose how far behind you are on your payments
- Select your state of residence
- Hit Submit after entering all relevant contact information
How Much Does It Cost To Use Pacific Debt?
Over the loan term, you can expect to pay $1,500-$2,500 in fees if you have $10,000 in debt enrolled.
Your monthly payments will be determined by your debt consolidation loan terms. In terms of debt settlement, Pacific Debt doesn’t charge upfront fees, so it may be the right company for you if you don’t want to get surprised by any fees.
How Much Could You Save With Pacific Debt Relief?
If you’re trying to save money on your debt, Pacific Debt Relief might be a good option for you. It is possible to save a lot of money if you save an average of 50%. Keep in mind that this is before fees.
When fees are taken into consideration, Pacific Debt Relief typically saves 15% to 35%. If you intend to save a significant amount of money, this may not be the best option. Let’s say you are willing to sacrifice some potential savings to work with a reputable company. If this is the case, Pacific Debt Relief may be of interest to you.
What Is The Minimum Credit Score For A Pacific Debt Relief Loan?
Pacific Debt Relief requires a minimum credit score of 660. It is still possible for them to work with you if you have a lower credit score. Low-interest rates and flexible repayment terms are some of the advantages of their loans.
How Long Does It Take For The Pacific Debt Relief Program To Begin Resolving Your Debt?
The website of Pacific Debt Relief states the program is designed to help you repay your debt quickly. The company will negotiate a debt consolidation loan with your creditors once you are enrolled.
Their ability to resolve our clients’ debts usually takes between 12 and 36 months. You will be able to develop a budget and payment plan that fits within your budget with their assistance. It may be possible to negotiate a lower interest rate or monthly payment amount with your creditor if you are having difficulty making your payments.
How Does Pacific Debt Relief Affect Your Credit?
Pacific Debt Relief can damage your credit score, but you might not know how.
With Pacific Debt Relief, your creditors will be negotiated with on your behalf to reduce your monthly payments and interest rates. This process is called debt settlement.
You’ll start making monthly payments to your creditors once they accept their debt settlement offer. To pay off your debt, they’ll hold onto your payments until we have enough cash.
Your credit score will be negatively affected by the credit bureaus reporting the settlement as “settled.” However, debt settlement is still preferable to declaring bankruptcy.
How To Use Pacific Debt Relief’s Website
If you are looking for debt relief, Pacific Debt Relief is a great resource. Here’s how you can use it.
Find out how much money you could save by working with Pacific Debt Relief by using the “Calculate Your Savings” tool.
In addition, you may be interested in reading the “Success Stories” section. This is a great way to see how Pacific Debt Relief has assisted real people with their debt problems.
Last but not least, read the “Frequently Asked Questions” section. Here you will learn more about Pacific Debt Relief.
As long as you follow these steps, you should be on the road to debt relief in no time.
Pacific Debt Relief BBB Reviews
If you’re considering Pacific Debt Relief for your debt management needs, you might be wondering about Pacific Debt Relief’s BBB rating and complaints history.
The Better Business Bureau has accredited Pacific Debt Relief since 2010 with an A+ rating. Three complaints have been closed by Pacific Debt Relief in the last three years, and one in the last 12 months. Pacific Debt Relief generally responds to complaints, even though this isn’t a perfect record.
The BBB rating of Pacific Debt Relief might be something to consider if you’re looking to reorganize your finances. You can gain a better understanding of the company’s reputation by reviewing its complaints history.
Check out these Pacific Debt Relief BBB reviews:
Brian D 07/22/2022
****** was super friendly and eager to help. He didn’t hesitate to explain how things worked and put me at ease. He wasn’t a fast talker like someone trying to make a sale. ****** made sure I fully understood the program and the result.
Is Pacific Debt Relief Legit?
Many people are wondering if this company is legit and if it settles millions of dollars in consumer debt every month.
Pacific Debt Relief is a legit company that has helped thousands of people reduce or eliminate their debt. With a 20-year history and an A+ rating from the Better Business Bureau, they have been in business for a long time.
Furthermore, they only cover half of the states nationwide. It is also possible that you will not get the best deal. A lower interest rate or fee may be available from a different company.
If you’re looking for a legit debt relief company, Pacific Debt Relief would be the right choice for you.
National Debt Relief Review: Proof That Debt Settlement Works
Debt consolidation can be a great way to get out of debt and get your finances under control. But it’s important to choose the right company to help you with this process. In this National Debt Relief review, we’ll take a look at this top-rated company and see whether or not it’s the right choice for you.
The American Fair Credit Council is a member of National Debt Relief, and it has BBB accreditation, IAPDA accreditation, and IAPDA accreditation for all of its debt arbitrators.
They provide debt consolidation and debt settlement services to help people get out of debt. Many people have used them over the years, and they’re one of the best in the business. Additionally, it offers credit counseling, federal student loans, and debt counseling.
National Debt Relief is known for its excellent customer service. You can contact them 24/7 for debt consolidation assistance. Their debt relief programs have helped a lot of people.
You might want to consider them if you need debt consolidation help. Their reviews are great, and they have years of experience helping people.
National Debt Relief is one of the industry’s most popular and well-known companies assisting individuals and families with consolidating their debt.
National Debt Relief Pros And Cons
The options for debt relief are numerous, and each has its advantages and disadvantages. In case you are struggling with debt, National Debt Relief may be a good option for you. This type of relief has some potential drawbacks that you should consider before taking a decision.
Getting out of debt is easy with National Debt Relief. You might be able to wipe out your debt in a few years if you have a lot of debt. It can help you get back on track and lift your spirits.
It can be extremely beneficial to seek the assistance of a professional. When you work with a reputable company with debt relief experience, you can get a plan that is tailored to your specific needs. In addition, they will provide you with support throughout the entire process, so you will not have to worry about anything.
This type of relief, however, has some potential downsides as well. Your credit score will suffer if you enroll in a debt relief program if you have lots of debt. As a result, you will have trouble getting approved for loans and other forms of credit.
In addition to paying taxes on the forgiven debt, you may also have to pay interest. In the eyes of the IRS, a lender’s forgiveness of debt is taxable income. If you are successful in eliminating your entire debt load, you could end up owing a large amount in taxes.
What Is National Debt Relief?
The National Debt Relief Company assists consumers in overcoming debt problems such as credit card debt, medical bills, and more. Among the services offered by National Debt Relief are personal loans, debt consolidation loans, debt settlements, and credit counseling. Thousands of people have benefited from their services.
How Does National Debt Relief Work?
After a settlement is reached, you make a single payment to National Debt Relief, and they send the funds to your creditors. Using this company, you can settle your debt with your creditors. In contrast to negotiating with your creditors, this process can help you get out of debt more quickly and for less money.
There are a few things you should know about National Debt Relief’s process before enrolling, which is otherwise straightforward. To begin, they’ll freeze all interest and late fees on your account when you enroll in their program. So your balance won’t continue to grow from month to month. Additionally, National Debt Relief will work with your creditors to lower your monthly payments. Doing so can help you free up some of your monthly income to put towards paying off your debt.
You may be able to get out of debt quickly by using this method. It is often possible for their experienced negotiators to obtain a settlement that is significantly lower than what you owe.
What Is The National Debt Relief Program?
In other words, it is a program designed to assist people in getting out of debt. National Debt Relief can lower your monthly payment, eliminate late fees, and penalties, and even lower your interest rates. Consolidating your debts into one payment also makes managing your finances easier.
How Much Does National Debt Relief Charge?
There is an upfront fee for National Debt Relief’s services. The fee is usually 20% of the debt you enroll in the program.
Your credit score will be improved and interest payments will be reduced with a credit settlement program. If you’re considering enrolling in a debt relief program, do your homework and compare prices with other companies.
How Long Does It Take For The National Debt Relief Program To Begin Resolving Your Debt?
Clearing up your debt can take some time, but it is well worth the effort. It is National Debt Relief’s goal to ensure that you achieve the best possible results as quickly as possible. Generally, they can resolve debts within four months of signing up. It is possible, however, that this timeline may change due to the following factors:
- Your total debt
- Your type of debt
- The credit score you have
- The degree to which your creditors are cooperative
The process could be delayed if any of these factors change. Don’t worry – National Debt Relief will be there every step of the way.
How Does National Debt Relief Affect Your Credit?
For personalized advice, you should speak with a financial professional, as each case is unique.
You should know how NDR may affect your credit if you are considering using it to consolidate your debt. If you enroll in a debt relief program, your creditors may flag your account as “in collections.” This can remain on your credit report for up to seven years, even after you have finished the program and have paid off your debt consolidation loans and enrolled debt.
Depending on your debt, credit score, and how long you’ve been delinquent, this designation will affect you. It is generally true that a debt relief program will lower your credit score in the short run, but as you reduce your overall debt load and make regular payments, your score may improve.
How To Contact National Debt Relief Customer Service
To contact National Debt Relief customer service, call 888-969-1953 or click “Contact Us” on their website.
To determine whether their services are right for you, one of their representatives will ask you some questions about your situation. In addition, they will explain how their program works and what the next steps are.
In most cases, you will receive a response from the customer service department within 24 hours if you email them. By filling out the form on their website, you can submit your name, email address, phone number, and a brief message.
No matter how you contact National Debt Relief, you can rely on their team of experienced professionals. Their goal is to provide the best possible service to every client because debt can be stressful and stressful.
Is National Debt Relief Legit?
Before signing up with National Debt Relief, be sure they are legit and offer debt settlement services.
In the past few years, National Debt Relief has helped thousands of people get out of enrolled debt. The company has an A+ rating with the Better Business Bureau. Additionally, National Debt Relief follows strict guidelines and regulations set forth by the Consumer Financial Protection Bureau (CFPB).
You may be able to get out of enrolled debt with the help of National Debt Relief. What you need to know:
- There are no upfront fees associated with this service. The only time you pay them is if they can help you get out of debt.
- Your budget and situation will be taken into consideration by their team of experts.
- Creditors will be negotiated with you to reduce your interest rates and monthly payments.
- National Debt Relief will also assist you in creating a plan to remain debt-free if they can assist you in getting out of debt.
People have been getting out of debt through this company for years. Compare their services with those of other companies before using them.
National Debt Relief BBB Reviews
As a BBB-accredited business with a rating of A+, National Debt Relief is a trustworthy company.
Here are some National Debt Relief reviews:
I have just one word to say about this program… Great!!!
Very pleased and impressed so far. The process was rapid and easy, and everything was thoroughly explained. I am encouraged and excited about my financial future and feel optimistic that I can get into a much better place in a very reasonable amount of time!
I started well and will build a response after seeing the results.
How To Use National Debt Relief’s Website
Get started by visiting the NationalDebtRelief.com website and completing the free consultation. You can get a free quote and find out how much money you can save by using their service. In addition, they offer a money-back guarantee, so there is no risk involved.
Using your account dashboard, you can view a detailed overview of your current debt situation and your progress toward debt repayment. Once you create a National Debt Relief login, you will be able to track your debt repayment progress. In addition, you’ll find a wealth of information and resources here, including educational materials and blog posts.
Furthermore, their website is very easy to navigate, so you can easily find the information you need. The representatives at their company will be happy to answer any questions or concerns you may have.
How To Use The National Debt Relief App
You can easily and quickly get out of debt by using this app.
Visit the App Store or Google Play to download the app. Could you create an account once the app has been installed?
By entering your income, debts, and expenses into the app, a personalized debt relief plan is generated.
The final step in getting out of debt is to follow the plan as soon as possible. With the app, you will have access to all the resources and tools you need to succeed.
How To Use The National Debt Relief Client Portal
You can access your client portal by visiting the website and clicking on the “login” button in the top right corner. You must enter your email address and password before you can log in.
Clients can access account information, recent transactions, payment history, and more. The client portal also allows you to submit a request for assistance or chat with a representative.
How To Cancel The National Debt Relief Contract
In the event, you are dissatisfied with National Debt Relief’s progress on your behalf, or if you no longer wish to use their services, you have the right to cancel your contract. You can do this by following these steps:
- The first step is to contact customer service and let them know that you wish to cancel your contract.
- A cancellation form will be sent to you for completion and return by customer support.
- As soon as they receive your cancellation form, your account will be terminated.
If you decide to cancel, you will not be charged anything. National Debt Relief’s services are guaranteed to meet your satisfaction, so do not hesitate to call and cancel.
If you are seeking debt relief, this company is excellent, but you must be comfortable with the terms of the contract before signing up. National Debt Relief is available to answer any questions or concerns you may have before you commit. It is possible to cancel your contract if you decide debt relief is not suitable for you. If you are dissatisfied with their services, you are not required to continue using them.
How To Get My Money Back From National Debt Relief
You can recover your money through several options offered by National Debt Relief.
Refund requests can be made directly to the company. Requesting a refund can also be done via email or a letter to the company. If you do this, the company may take some time to process your request.
If you file a complaint with the Better Business Bureau (BBB), you may be able to get your money back. You may be able to get assistance from the BBB after investigating the company.
National Debt Relief may be sued as a last resort. It will be necessary for you to hire an attorney and file a lawsuit against the company if you proceed this way. In most cases, this is a last resort because it can be time-consuming and expensive.
Is National Debt Relief A Good Company?
Since there are many debt relief companies offering debt relief services, it can be difficult to select the one that is most suitable for you. Since 2009, National Debt Relief has helped thousands of people get out of debt. Among their services are debt consolidation, credit counseling, and bankruptcy alternatives.
National Debt Relief is a company committed to helping people get out of debt. Their team of certified credit counselors is available 24/7 to assist customers in creating a debt relief plan. National Debt Relief has been accredited by the Better Business Bureau (BBB) with an A+ rating and has been featured in magazines such as Forbes and Money magazine.
In case you are considering using National Debt Relief, here are some things to keep in mind:
- There is no scam involved with National Debt Relief. Over the years, they have helped thousands of people get out of debt.
- Among their services are debt consolidation, credit counseling, and bankruptcy alternatives.
- The Better Business Bureau (BBB) has rated National Debt Relief with an A+ rating.
- In addition to Forbes and Money magazine, they have also been featured in some other publications.
- Their team of certified credit counselors helps you create a debt relief plan 24 hours a day, 7 days a week.
Getting out of debt can be made easier with National Debt Relief, but the decision is ultimately yours. Make sure you do your research before using National Debt Relief.