Founded in 2002, Pacific Debt has settled hundreds millions of dollars of debt over the years and they work with thousands of customers every year, chipping away at the US debt problem dollar by dollar. 

Pacific Debt Reviews

About Pacific Debt

Pacific Debt was founded by Kevin Landie, and over the years they have prided themselves on offering the highest level of customer satisfaction. If you scroll down you will find our Pacific Debt review and see what we liked about this company. But for now, let's take a look at some of the basics.

Basic Information

  • Address: 750 B St #1700, San Diego, CA 92101
  • Web Address:
  • Date of Founding: 5/20/2002
  • Contact Number: (619) 238-6700
  • Opening Hours: 07:30 AM – 05:00 PM
  • BBB Accredited? Yes, since 2010.

The Company

Pacific Debt has a turnover of over $1 million, which means they are one of the smaller companies that we ave reviewed, but with a level of customer service, a reach and a review count that we would typically associate with much larger companies.

As mentioned at the outset of this review, Mr. Kevin Landie is the founder, but he also acts as the President and CEO, taking a very active role in the business even today, some 16+ years after they were founded.

The Services

You need to have at least $7,500 worth of debt before Pacific Debt will consider you, but in all honesty you should only really consider a company like this if you have that amount of debt. If you have slightly less, then we would recommend giving them a try anyway, as they may make an exception.

Pacific Debt offer debt management and debt settlement plans, but they also offer credit counseling, helping you through your woes and ensuring that you learn how to better manage your money going forward. The cost will depend on the service required, and the amount of debt that you have, as well as a few other key factors, but Pacific Debt are generally very competitive.

The Employees

We have heard nothing but good things from the employees at Pacific Debt, including those who are no longer working for the company. We can't tell you how rare this is, and it speaks volumes for the friendly atmosphere that they encourage. This rubs off on their customers and it creates an all-round positive environment.

Even some of the companies that we rated highly had some skeletons in their closet where their employees were concerned, but it seems that the dozen or so people that work here and the dozens that have been and gone have nothing but good things to say.

The Reviews

There are a lot of good reviews out there for Pacific Debt, and these can be found on aggregate user review sites like TrustPilot, as well as on the BBB, and on review sites like here on DebtReviews. Opinions are usually very polarizing in this industry, and if anything they tend to err on the negative side. But the vast majority of customers have nothing but good things to say about Pacific Debt.

Pacific Debt

Pacific Debt Review

Pacific Debt are one of the highest rated companies that we have reviewed on this site, so let's cover what it is that we like about them and why they are at the very top of our list.

The Good

Low Industry Pricing

Pacific Debt Inc (PID) possesses a lot of experience and has found great success as a consolidation company. They have reportedly been able to reduce balances owed by as much as 70%. On top of that, they provide extremely competitive pricing compared to most other consolidation companies, charging between 15-25% with an average of 17% – 20% of the total debt enrolled.

Money Back Guarantee

Pacific Debt has confidence in their service, so much so they offer a full money back guarantee. This gives the consumer a measure of protection shall they not be satisfied with the services or if Pacific Debt can’t resolve the debt in 2 to 4 years. And unlike many other guarantees, this one actually seems to be honored, as we have spoken with customers who were able to get their money back quickly and without fuss.

Hold Major Industry Accreditations

PDI holds every industry accreditation we look for, which signifies a good reputation amongst customers and in the industry. It also demonstrates the company's commitment to ethical business practices, as well as their high level of expertise.

Positive Customer Reviews

From all of the glowing reviews of PDI, one of the standout comments concerns the high level of professionalism and honesty that they show all of their customers. In all, there are a plethora of success stories indicating the company's commitment to pleasing their customers, which is always nice to see.

Pacific Debt Highlights

Some of the highlights of Pacific Debt include:

  • A genuine money back guarantee that provides peace of mind to customers.
  • Accreditations from leading authorities (AFCC and IAPDA).
  • It takes just three years on average to settle a debt throughPacific Debt.
  • They have very high customer satisfaction.

The Bad

Average Minimum Debt Required

Although it is the industry average to require an average of $7,500 of debt to start, it does leave some clients out. This is really not much of an issue though. There are companies out there, such as Tax Resolution Services, that require a minimum debt of nearly three-times this amount, and if you are struggling with a debt of “only”a few thousand (although any debt can seem overbearing) then there are better ways of handling it than going through a debt settlement company.

We actually have a number of guides on this subject. Take a look at our guide to paying off your debt quickly, and to saving enough money to become a millionaire in a few short years.

Not Available In All States

PDI is unfortunately not available in all states. In fact, there are over twenty states where you cannot take advantage of Pacific Debt’s services, including all states in the north-east. For companies that do cover these areas, take a look at some of the bigger provides, including the huge Money Management International, and the equally big Freedom Debt Relief.

The Bottom Line

Pacific Debt offers competitive pricing, they have a host of accreditations, and they also have high customer satisfaction. On top of this they also have a money back guarantee, which ensures you can get your money back if they are not able to provide you with the level of service that you expected.

They tick all of our boxes and we can't recommend them highly enough as a result. If you live in one of the states in which they operate, and if you have a debt greater than $7,500, then we would definitely recommend trying Pacific Debt out. If not, keep checking through our list, there are over 100 other companies that we have reviewed, with around 10% of those getting top marks or close to top marks.

How to Contact Pacific Debt

If you have an issue with this company then you should always go through the internal channels rather than simply going straight through the BBB. In most cases we find that they are just as eager to fix the issue as you are. And if not, then you can go through other channels.

For the initial contact, use the details below:

  • Email:
  • Hours: Mon-Thurs: 8am – 5pm; PST Friday: 8am – 3pm PST
  • Address: 750 B Street, Suite 1700 San Diego, CA 92101