These guys are a total scam like the rest and take advantage of people at their most vulnerable times. I was contacted by Julia Quirke and she was great at first, it seemed like I was going to be well taken care of, she communicated quite often was very detailed in the process. But her only duty is to lure you into the program, and of course it's never what it seems. If it's too good to be true don't do it. Nothing she said has happened. Liar and a scammer. Once you're in they spread thin their account managers and no one really contacts you or educates you. I heard from them when I had to sign a settlement, that's about it. Maybe 1-2 emails from a supposed account manager. They don't say what their doing, how they settled , what's the plan. Of course you have to read the fine print that they PAY THEMSELVES FIRST their fee before paying your actual debt. So of the 20 plus K that has been taken out of my checking account, over half has been given to them before the debtors. That's what they don't state clearly. I'm an educated woman I should have been smarter in really reading the fine print, calling more and asking more questions. They've only settled 3/8 of my accounts in over a year. I asked if I decided to opt out could I just pay the settlement fees for the 3 accounts they settled. They told me I still have to pay 18percent of my total debt to them even if I negotiate my own accounts, because they told me to stop paying and told me to send my letters and statements to them ?!?!?!?!?!? They tell me I could help by making larger payments so they can negotiate my other accounts. I'm barely able to give the $2300 they are asking a month. I sometimes don't have enough money for groceries. I work 3 jobs, suffered a separation, am a single mother to two little kids. I don't want to lose my beautiful home so I work my ass off, I barely sleep sometimes I work 36 hours straight from one job to the next. They have received 15 thousands dollars already so far !!!! And they want to get 18 percent of what I owe because they told me to stop making payments. They don't tell you how to negotiate, they didn't give me any real knowledge or education. I read a couple books and I just wish I read them sooner. SCAM!! I'm currently talking to a lawyer. Please don't go with these companies. Julia Quirke you seem like a nice lady, but you are a scammer. Mia Rocelle, you are terrible at your job. I don't even remember my negotiators name she only contacted me so I could sign right away, but she was dry had little to say. No one cares. There are books out there that tell you how to settle your debts. Educate yourself and don't give your hard earned money to these companies. Crush Debt Now by Tom Cromwell Negotiate and Settle your debts by Mandy Akridge I will feel better if I saved someone from going into these programs. I wouldn't have written this review if they told me no you don't have to pay us for the accounts we haven't settled. I can take accountability, this is my debt, they did help with those 3 accounts, and have been paid substantially already, I was willing to owe them what else was left even after I left for those accounts they helped me. No they still want 18 percent of everything even if they don't do anything because they told me to stop paying. Greedy, unethical, and especially right now where everyone is struggling. read more

Well there is good and bad. Good news is it wasn't going to be financially wise to go through with this. BAD news is even after I was told I was canceled they still charged me making my account negative. Twice they tried to charge me twice I was given a NSF fee of $36 total $72. They are refusing to pay the fee they made me aquire! And it was a bit of a wrestling match to get back all the fees they charge to do this. And I only got them to agree to refund (but not yet received) this fees because I explained had I been sent the requested documents I asked for not once not twice BUT 3X we never would have got to the point of these fees being paid for they wanted to pay off debt that is about to fall off my credit anyway. Also pay off credit cards I'm still in good standings with. I was debited $479 twice (total of $958) so far I have got Back $898.05 so they did refund me just didn't refund me what they took. And refusing to pay for the fees they caused me. Attached are screen shots of the email saying they will refund the fees then another where there giving excuses why they can't refund the fees. You be the judge. Probably a decent place if you go through with it but if you want any kind of refund be ready for battle read more

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If I could leave negative stars I would...I was desperate going to them and had no money...since I had to build the account before they could help settle, I was sued Twice (served papers)and ask to put more money thousands I didn't have to keep the lawyers happy. Huge payments for YEARS! Finally OUT and would NEVER recommend to anyone! Total learning experience to NOT use debt consolidation read more

Shuffled us to Credit One Advantage, total scammers and an absolute nightmare! They also don't return phone calls.

I love Pacific Debt. Quiana is awesome, she really gets things done! I am so close to having all of my debts paid, in less than 3 years. I would highly recommend Pacific Debt. read more

I've been working with Pacific Debt for several months now. I couldn't be happier! The account reps are awesome they keep me informed on everything that's happening. Things are finally getting paid off the right way!! Highly recommend them!! read more

Not happy. Spent two years paying Pacific Debt to negotiate with three creditors for a total debt that was under $15 thousand. At the end of two years, two debtors were paid off, and the third was left for me to deal with--not easy to do, since the creditor had sold the debt to a law firm and this firm (without my knowledge) had gained a judgment against me. Now I am left to deal with the problem myself; I will most likely have to pay the entire debt back, which is not why I signed up with PD. I am at square one, two years later. read more

Anyone out there who needs help with credit cards there is solution to stop all your worries and suffering. An amazing PACIFC DEBT 1 877 722 3328 and if you are luck like me they all are awesome but there is one of them is special Nicholas Howes who has benn working with all my credit cards and in a few months so far he is about to pay my 3rd credit card. He respond to all phone calls , e mails voice messages and he works with you on your side step by step. Nicholas you are the best of the best thank you so very much for bring to me peace in my life. AWESOME JOB. THANKS AND MANAY THANKS. God bless you all. read more

Amazing company. Everything is fantastic and would recommend them to anyone that needs help with their credit card debt.

All I did was call this place once to get a little more info about debt consolidation. I have told them multiple times that I am not interested in their services. I have received ATLEAST 2 phone calls per day from them. They are bothersome and rude. If they are so good at what they do, they would not be so desperate for my business. I am very close to reporting them to the BBB. read more