About 3 years ago, I was into a deep debt with my creditors. No matter how much I would put into my credit cards monthly, it felt like I was never going to be able to pay off my credit cards. In my attempts to pay off my credit cards, I would go and look for loan companies to borrow some money. The more I looked for lending companies, the more I felt discouraged for how high the interest rate was for a short loan. One day, I got an email from PACIFIC ASSOCIATES offering me the opportunity to be part of a program to help me consolidate my debt. Thinking that PA was like to other companies I had reached out for a loan. I responded their email and said:" I know this is just another program out there that wants to take advantage of a man's poor financial situation. As I was about to delete the email, I felt compelled to write back not only to explain my financial situation, but also to tell them that I knew who they were, and also what their intentions were, but my last line was..." I will give it a try". After my email, I heard from Shain Mercer and then from Roger Young. I will ALWAYS be thankful to these gentleman as well as ALL PACIFIC ASSOCIATES staff for taking the time to reply my message and giving me their support during these harsh times. THEY SAVED ME. THEY RESCUED ME from this horrible financial situation I was in. For anybody out there who is right now going through the same situation I was three years ago. I HIGHLY RECOMMEND PACIFIC ASSOCIATES to help you out. Contact them, explain your situation, and wait few hours, they will get back at you with a solution. Just Be honest, be committed and PACIFIC ASSOCIATES will do the rest. THANK YOU PACIFIC ASSOCIATES. Mario Vilela read more

Pacific Associates is the only company to trust! They helped me get out of my financial burden. They helped me when my bank would not! They trusted me. You should trust them too. Shain and Roger are my life savers, my west coast angels. Shain and Roger are professional yet personable. I called them the moment I received the Pacific Associates ad letter from their company. Their letter was different than all other "debt companies." Please call them they can help you too. I recommended them to family and friends. When I called just to get information, they explained everything to me on the phone. They did not pressure me and answered all my questions. I thought about it and decided to work with them, it was the best decision. I was worried because I never handled finances like that over the phone. My debt was huge and I will be making my last payment by the end of the year. The bank would just let you lose your house and everything, they are so big, too big, they don't care. Roger and Shain would just call me on occasion and ask how I was and if the payment arrangement was working. Also, they contacted my credit card companies and got them to stop calling me for past due bills. My bank NEVER called me to ask if everything was going well financially. They turned me down for a loan. I needed to make a change to my original payment arrangement, the Pacific Associate team took care of it immediately. I called and they switched it for me in a matter of minutes, no problem. Pacific Associates works with you, the individual. I am grateful for Shain and Roger and the Pacific Associates team! From Tina D. read more

Exceptional Service: Pacific Associates Saved Me! Shain and Roger are hands down the best debt settlement team that I have ever worked with. I cannot express enough gratitude towards Pacific Associates for their outstanding service in helping me settle my credit card debts. From start to finish, they were an absolute pleasure to work with. First and foremost, the team at Pacific Associates is incredibly easy to communicate with. They were always available to address any concerns or questions I had throughout the entire process. Their professionalism and willingness to listen made me feel valued as a client. Moreover, I was amazed by how fast they were able to negotiate and settle my debts. Within a remarkably short period, they had successfully reached agreements with my creditors, significantly reducing the burden on my shoulders. Their efficiency and effectiveness are truly commendable. One of the most striking aspects of my experience with Pacific Associates was their remarkably low fees. Compared to other debt settlement companies I researched, their fees were by far the most reasonable. It's rare to find a company that delivers such high-quality service at such an affordable rate. In conclusion, if you're struggling with credit card debts and need assistance, I wholeheartedly recommend Pacific Associates. Their professionalism, speed, and incredibly low fees make them stand out from the rest. Trust me, you won't regret choosing them to help you navigate through your financial challenges. Thank you, Pacific Associates, for giving me a new lease on financial freedom! read more

Pacific Associates saved us!! Like many people in America my husband and I got ourselves into some financial trouble. The last thing we wanted to do was file bankruptcy but the debt was overwhelming! I received an advertisement letter in the mail one day generally I just throw those things away. This one I took a chance. That first phone call was the best decision I ever made! We were so in over our heads. Everyone we dealt with at Pacific Associates have been so incredibly kind and compassionate about what we felt was a very mortifying situation in our lives. Roger and Shain were the two people I spoke with the most. We were able to come up with a payment plan we were comfortable with, plus we ended up adding accounts to our agreement overtime. Today we were able to pay off our account early and as crazy as this sounds it was a little bittersweet. Of course I was happy to finally pay back all the debt that at one time I thought we would never get out from under, but sending our final payment and speaking with Shain to get the pay off details, I felt like I was ending a life long friendship (even though we had only been working together for just about 4 years). They always kept in constant touch with monthly check ins and always prompt responses to emails and phone calls. They took the constant "harassments" of debt collectors of our shoulders. I am forever grateful to Roger and Shain and of course the supporting staff at Pacific Associates. If you need help this is the place to turn to! read more

My only regret is not starting the process sooner. Life can be complicated, finances are often part of the problem. I was drowning in debt my family had accumulated. I made minimum payments for a long time but the light at the end of the tunnel never got closer. I tried working with creditors myself but there wasn't much hope. I heard about Pacific associates in the spring, unfortunately I didn't start the process until the winter, I wish I would have started it sooner. And, after the process started I was faced with more financial crisis in regards to collections of the remaining balance I owed to legal expenses, I reached out to Pacific Associates and they helped me with that too. I'm still climbing this financial mountain I put in front of me and I'm getting there. The light is certainly getting closer. Without Pacific Associates I don't know what I would have done, I certainly would not be closer to the top of the mountain than I am now, about a third of the way through the plan. Very thankful for professionals like Pacific Associates who can provide hope and assistance during some of life's most challenging times. read more

I was contacted through a piece of mail about Pacific Associates. I had never heard of them and being that they were thousands of miles away from me I was very uneasy about working with them. However when I did my research I loved what I had been seeing and reading but I was still hesitant about could I trust this company to help with my situation after a divorce of 22years and left me with most of our accumulated debt. After speaking with them and giving them I had done a literal thorough checking I felt much better about my situation and actually became friends with one of them. The team was professional, forth coming about everything and did everything they said they would do. It's not everyday that you get to work with good people who truly take the job they do serious. But working with Rodger and Shane in just a over two years has revived my financial status, and credit again back to predivorce status. Scores of 760 and higher again. Thanks again guys for all of the great work that you doand highly recommend these services to anyone who wants to get life back on the right track. read more

These guys are true lifesavers! They were recommended to me by a friend of mine. I have not met them and yet they helped me without any hesitation. I mainly spoke with Roger, but Shain is also amazing! These guys have associates who constantly checked in with me to make sure I did not have any questions on top of Roger's regular emails. The process of application was very smooth which was very well appreciated for most of us who work 80 hours a week! I was also able to adjust my monthly payments when I was financially struggling and paid more when I could. The best thing is the fact that these guys are very trustworthy which is very difficult to ascertain with a remote business relationship. I HIGHLY RECOMMEND PACIFIC ASSOCIATES! They will help you gain your financial stability without affecting your credit. You can choose certain credit card debts for instance while keeping a couple others until you're all paid up! Again, they will help you get back on track to your financial freedom! THANK YOU ROGER AND SHAIN AND ASSOCIATES! read more

Pacific Associates makes debt consolidation easy! The staff were so genuine and helpful every step of the way. Honestly, they never judgmental or pushy. They were always available to return a call or answer a question. Life savers. Like so many of us I had built up a lot of debt over many years. Paying multiple credit cards each month. Paying the minimum and when I could paying a little bit more but never ever getting anywhere. It was like running in circles. I did not see how I was ever going to get caught up but then I received a flyer in the mail from Pacific Associates? Never heard of them? I called them not knowing what to expect or if I would even qualify but now 3 years later I have to say it was the best decision I could of ever made. I went from five or six payments a month to one payment. If you are thinking about calling anyone I truly hope you will consider calling Pacific Associates first. I can't thank them enough for everything they've done for me. Thank you Shain! Thank you Roger! Sincerely, MKT, Lake Mary, FL read more

I had gotten a divorce and was trying to make a new life for my 3 kids and I. I was working a lot, had to start over with a home, car, stability for my children and I had great credit, so I paid to get my life back. But then I couldn't get the debt paid down, I tried every angle but honestly the interest was surpassing the payments I was making and I wasn't getting ahead. With 10+ credit cards I lost sleep, went days without eating and tried to continue to put a smile on my face for my job and my family. But I was drowning and I wasn't even close to water. And then I heard of Pacific Associates online, Roger and team was a life saver! Didn't make me feel worse than I already felt, but actually made me smile, laugh, and said we are hear to help you! Countless emails, calls and check ins - - it was amazing! And still as we closed up the 3 yrs of the payoff, Roger again was still checking in and wishing me the best as I moved forward! Even though tough, the customer service was the best! Thank you! read more

Pacific Associates provided a very simple process to help me get out of debt. I am an attorney and was extremely skeptical at first and embarrassed that I was even in a position to need the type of assistance they offer. I did a lot of research on them and other companies offering similar services. I became desperate for help so I had to set aside my pride and I decided to take a chance on Pacific Associates. It was one of the best decisions I made to help secure my financial future following a divorce. The process was so simple and transparent. It was "set it and forget it" for me once everything was in place and I set-up my monthly auto-payments. They even allowed me to select the days that worked best for me to have the payments deduced from my account. Like many others have said in their reviews, their customer service is beyond amazing! I worked with Roger and his team and every single one of them was as equally responsive and knowledgable as the next. Take a chance on them and set yourself free!!! read more

Pacific Associates makes debt consolidation easy! The staff were so genuine and helpful every step of the way. Honestly, they were never judgmental or pushy. They were always available to return a call or answer a question. Life savers. Like so many of us I had built up a lot of debt over many years. Paying multiple credit cards each month. Paying the minimum and when I could paying a little bit more but never ever getting anywhere. It was like running in circles. I did not see how I was ever going to get caught up but then I received a flyer in the mail from Pacific Associates? Never heard of them? I called them not knowing what to expect or if I would even qualify but now 3 years later I have to say it was the best decision I could of ever made. I went from five or six payments a month to one payment. If you are thinking about calling anyone I truly hope you will consider calling Pacific Associates first. I can't thank them enough for everything they've done for me. Thank you Shain! Thank you Roger! read more

When it comes to debt consolidation,Pacific Associates Corporation is the top of everything. They have a wonderful program which allows you not only to be debt free in few years, but to safe some money on its way. Shane , Roger ,and Caroline are down to earth people. They always treat you with kindness and respect. They are very friendly, and above all, very patient. My experience with them has only been positive from day one. I am a latino man who always thought that this kind of programs were only for people from this country... PAC proved me wrong. Unlike other companies,once you are part of the program, PAC makes sure you know exactly what is going on during the process of paying off your debt. I frequently get phone calls from Caroline, Roger, Shane because they want to make sure I know that they are always there for me. People out there, if you are ever in need of a company to help you get out of your debt , Pacific Associates Corporation is the best choice. read more

Pacific Associates provided a fresh of breath air in much needed situation: I was downing in high interest, installment loan debt (thousands). Although the company did not have much experience settling this sort of debt, Shane accepted my case without hesitation. Ever since the initiation of the program, Roger Young has been a phenomenal point of contact. The regularly provided updates have been reassuring. Roger has also been a voice of reason by encouraging the benefit of patience and progress. I find myself 10 months into the program and we are already 57% of the way complete (originally estimated to be 4 years long). Not only is progress being made quickly but I am saving thousands of dollars in interest. The team has made this process truly collaborative and stress free. I haven't had ounce of regret and would recommend this company to anyone seeking to consolidate and pay off debt. It will be a decision well made... read more

I was in a bad state in financial when I contacted Pacific Associates. I can't even get approval for credit cards or personal loans because my score is at a low point. Collection agencies are calling me non-stop, harassing me to pay them. When I start working with the team, they really help me from the start until the end. Collection agencies stop calling me, my score went up, they respond fast to all my inquiries and concerns. I have peace of mind knowing that the team got my back if there's anything help I need from them. They will contact you from time to time to follow up or update you regarding your accounts. Contacting Pacific Associates is one of the best decisions I made! I highly recommend them to someone who's planning to do consolidation. You're in good hands with Pacific Associates, I guarantee you peace of mind. Thank you Shain and Team! You guys are awesome!! Thank you for helping me get out of debt! read more

Everyone finds themselves in a bit of a pickle sometimes. In 2015 my mother was diagnosed with stage IV cancer and she lives in Europe. This required me to suspend my work and travel 13 times that year alone to care for her and make sure she received the proper treatment. Most of this was done on credit. Obviously, this put me in a huge financial bind. Fortunately, my mother is still alive and well. When your creditors refuse to work with you, Pacific Associates comes to the rescue! It was so nice working with Shane and Roger to reduce and resolve my credit card debt. They were fair, understanding, and non-judgmental. They put me on a payment plan that worked and I'm now debt free. I wish more people knew about Pacific Associates. These people are absolute lifesavers, and I whole-heatedly recommend the services of Pacific Associates for anyone suffering the burden of financial debt! read more

Pacific Associates has been our saving grace in clearing up our debt overload. I was reaching retirement and realized that I could never retire with the credit card debt we had built up over several years trying to survive through a long unemployment period. I found Credit Associates online and after reading many reviews decided to give them a try. They have been GREAT! They never judged and made it easy to understand how they worked. They were always available to answer questions and kept in touch. It was nice to have someone who was definitely on our side! We signed up and are now debt free and retired, which would have not happened trying to pay off so many credit cards. And they saved us well over $70,000.00 in interest. And it was nice to be remembered on holidays since we have few friends. We now do not use credit cards at all. Thank you Pacific Associates! read more

We've been working with Pacific Associates for about 2 years now and we're just about complete. They have been willing to work with me from the beginning, negotiating terms with creditors, even paying a couple off ahead of time in an effort to help increase my credit scores. They are always on top of my questions, even went as far as to write me a referral letter and explanation to an apartment we were looking to move to. Based on the actions they took and the plan put in place that worked within our budget, we couldn't be happier with Roger, Shain and the whole team that worked throughout on the execution of our plan! If anyone out there is looking to gain control of their financial situation, it would be well worth it to contact them. They will help alleviate your stress and stop the unwanted phone calls from creditors!! read more

I highly recommend Pacific Associates for anyone over their head in debt. I was over $25,000 in debt and considering bankruptcy or worse. The team at Pacific Associates, Shain and Roger, put me at ease from the very first phone call. They explained everything that would happen and never made me feel self-conscious or bad about my debt situation. They offered and explained several payment plans to work within my budget and income situation, and discussed how each would affect me, but the end result was freedom from debt. Shain, Roger and the whole team were always positive, caring and supportive, and immediately responsive to my needs and questions. I would recommend them to family and friends and anyone wanting to get out of debt and become financially secure! THANK YOU SO MUCH PACIFIC ASSOCIATES AND YOUR TEAM!!! read more

If you are in need of some type of Debt Relief program you need to contact Pacific Associates Corporation in Irvine, CA. This company, these employees and owners go beyond to help you, to explain the plan and process and to get you on the right track. They talk in terms you will understand. No crazy jargon. No hidden tactics. They will hold your hand thru the entire process, answer all your questions, deal with all these nasty creditors and get you debt free. I had over $25,000 in credit card debt. They set up a plan where I will be debt free in 3-1/2 years. And no more interest on that debt!!!! Woohoo!!!! And my monthly payment will be 1/3 of what I was paying these credit card companies. Call them. Research them. Then you will see that everything I am saying is true. Good Luck!!!!! read more