“I did my research, and I got a good idea of what to expect. If you think that any debt settlement company is going to miraculously fix your debt without any adverse effect, you're being naive. Pacific Debt was up-front, honest, and didn't sugar coat anything. If you're in a position to use a Debt Settlement company, it is because you're facing a dire situation. Pacific Debt explained the whole process, what is expected of me as a participant in the program, and what kind of hit my credit score would take as I worked with them to pay off my debt for less than the total balance. I am just starting out with the program, the rest is having faith in the system, and in their intentions, I am optimistic, and understand it won't happen over-night.”
