“Pacific Debt will help you to eliminate your debt. The process takes time, but my agent came to an agreement with Collection Agencies that allowed me to pay off half of what I owed. Basically, if you owe $10,000, this company will make sure you will only pay between $4,000 and $6,000. The process is difficult in the beginning because you must stop paying your credit cards for awhile. Your agent then will decide with you how much can you pay per month. This will be your payment's base rate and then tell you how long will it take you to pay off your debt. I was able to pay off my debt within 3 years though I was told it will take me about 4 years. One of the reasons I paid off quickly because I learned how to manage my finances and began to keep a budget spreadsheet. The unfortunate thing about the company is that you do have to wait for a response. My agent responded to me between 2 and 4 days, sometimes longer. The other thing to keep in mind that the forgiven debt isn't forgiven. Instead, you will have to add it to your Income Tax. IRS counts forgiven debt as an income. I wish Pacific Debt's agent explained it to me before I received Schedule C. Overall, I do strongly recommend this company to help you be free from debt.”
“I will admit, I was very nervous to start this process with Pacific Debt. I read a lot of the reviews and saw some that made me wonder. But I truly had the best experience! In four years I am debt free!! The said it would take four years and it did. I actually received some money back from the company at the end of the process. I am debt free and could not have imagined that every coming. When ever I had a questions or concern and called, they returned my call promptly and politely. I'm forever grateful.”
“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.”
“Pacific Debt makes it a lot easier to go through something like debt consolidation than one might initially think. It's a big step in the right direction for some people in need of service like this, and their knowledge, expertise, and kindness changed everything I thought I knew about going through this.”
