How long does the debt relief process take?

The debt settlement process typically takes between 24-48 months depending on your financial situation. Our specialists will provide an estimated timeline during your free consultation.

Will settling debt impact my credit score?

Debt settlement may negatively impact your credit score in the short term. However, paying off debts completely can improve your credit over time. We provide resources to help rebuild credit.

Are debt settlement payments affordable?

We work with you to set up a manageable payment plan based on your budget. Settlements are structured so monthly payments are less than what you previously paid to creditors.

Can all debts be settled?

For debt settlement to work, the debts must be unsecured like credit cards, medical bills, and personal loans. Student loans, auto loans, and mortgages cannot be settled through debt settlement.

How much does debt settlement cost?

Our fees depend on your state of residence and debt amount. We only collect fees after settling debts on your behalf. There are no upfront costs.

Tom from Mountain Home Arkansas Debt Relief Review

December 29, 2017

Last Updated: November 01, 2023

Pacific Debt Relief

Pacific Debt Relief is a leading debt relief company helping Americans across the country become free of debt. Founded in 2002, they have resolved over $1 billion in consumer debt and maintain an A+ rating with the Better Business Bureau. Their team of certified debt specialists has years of experience negotiating with creditors to settle accounts for a fraction of what is owed. They offer customized programs to settle credit card debt, medical bills, personal loans, and more.

Our Debt Relief Services

Pacific Debt Relief offers a variety of debt relief programs to help people become debt-free:

Credit card debt settlement - They can help settle your unsecured credit card balances for less than you owe.
Medical debt resolution - Their specialists negotiate discounts on outstanding medical bills.
Personal loan debt settlement - Any type of unsecured personal loan can potentially be settled.
Student loan consolidation - They work with private lenders to potentially lower student loan payments.

A certified debt specialist will evaluate your unique situation and recommend the best debt relief option.

Tom from Mountain Home Arkansas Debt Relief Review

Kimberly B. has been great. She is aggressively seeking settlements & guiding me through the process. Now that I'm starting to have enough money in my account we've quickly settled two debts.

Tom
Mountain Home, Arkansas Debt Relief Review
December 29, 2017
Provided by BestCompany

FAQs

How long does the debt relief process take?

The debt settlement process typically takes between 24-48 months depending on your financial situation. Our specialists will provide an estimated timeline during your free consultation.
Will settling debt impact my credit score?

Debt settlement may negatively impact your credit score in the short term. However, paying off debts completely can improve your credit over time. We provide resources to help rebuild credit.
Are debt settlement payments affordable?

We work with you to set up a manageable payment plan based on your budget. Settlements are structured so monthly payments are less than what you previously paid to creditors.
Can all debts be settled?

For debt settlement to work, the debts must be unsecured like credit cards, medical bills, and personal loans. Student loans, auto loans, and mortgages cannot be settled through debt settlement.
How much does debt settlement cost?

Our fees depend on your state of residence and debt amount. We only collect fees after settling debts on your behalf. There are no upfront costs.

Get a Free Debt Relief Consultation

If you're struggling with high debt balances, get a free consultation from Pacific Debt Relief's certified specialists. They can evaluate your financial situation and craft a customized debt relief plan to help you finally become debt-free.

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