Pacific Debt Relief

Based in San Diego, Pacific Debt Relief is a financial services business focused on debt relief. It offers free, no-obligation consultations to assess a person's financial situation and determine whether they qualify for a reduced debt balance. After enrollment, the company creates a personalized plan and negotiates directly with creditors to reduce eligible debts. The program works through accounts individually, with settled amounts lower than the balances owed. Debts addressed include credit cards, personal loans, lines of credit, medical bills, store cards, collections, repossessions, and business debts. Consultations are available by phone, and the company describes its process as a three-step program: consultation, creditor negotiation, and account settlement. The website also presents examples comparing enrolled customers' original debt with amounts paid through the program.