Best Debt Settlement Companies of March 2022 – Forbes Advisor

Pacific Debt Inc has been in business since 2002 and has settled over $300 million in debt. It ranks well in the customer experience category, earning an A+ from the Better Business Bureau and a 4.8 out of 5 stars from Trustpilot.

Pacific Debt says the total time to settle your debt can take 24 to 48 months, although some programs take longer. He offers a free consultation and quote. Educational resources are available on the company’s website, but they lack features like live chat or a customer dashboard.

Like the other companies on our list, Pacific Debt is accredited by the AFCC. It operates in 29 states and the District of Columbia.

What to pay attention to

According to information posted on its site, the average client can expect to pay a fee of 15% to 35% of the total listed debt, a wider range than the other companies on our list. At the high end (35%) you would pay a lot more for this debt settlement service. It usually takes $10,000 of unsecured debt to qualify for the Pacific Debt program. Also, this company does not operate in 21 states.


You can register for Pacific Debt Inc services online or call for a free debt analysis. The Company does not operate in Connecticut, Delaware, Georgia, Hawaii, Illinois, Iowa, Kansas, Maine, Nevada, New Hampshire, New Jersey, North Dakota, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Vermont, Washington State, West Virginia or Wyoming.

Tana T. Thorsen