This comparison of Pacific Debt Relief vs National Debt Relief will allow you to determine which agency is best for you, whether you’re looking for a personal loan or debt relief. We have contrasted both businesses to enable you to make an informed decision.
- 25th best financial firm, USA (INC Magazine)
- Minimum Debt $10,000
- No Minimum Credit Score
- $3 billion+ debt resolved
- BBB A+ Rating
- Minimum Debt $7,500
- No Minimum Credit Score
- $500 million debt resolved
Pacific Debt Relief Review: Why It Is Among The Best Debt Consolidation Companies
Pacific Debt Relief has been assisting clients in getting their unsecured debts paid off since 2002. The Better Business Bureau has given Pacific Debt Relief an A+ rating and thousands of customers have benefited from their debt relief services. Is it a scam? In order to assist you in determining whether Pacific Debt Relief is the best choice for you, we will examine its background, offerings, and costs in this review.
The debt settlement organization can assist with unsecured debts such as credit cards, medical bills, student loans, and more. If you sign up for their program, they’ll get in touch with your creditors to work out lower interest rates and regular payments. Their debt counselors will collaborate with you to develop a consolidation strategy that is within your means. If you have trouble making payments, they’ll work with you to come up with a solution.
The expertise of Pacificdebt.com sets them different from rival businesses. During the course of their more than 20 years in business, Pacific Debt has assisted thousands of customers in eliminating their debt. They aid consumers in eliminating their unsecured debt.
In addition, Pacific Debt Relief costs $49 for the initial setup fee and $39 every month after that. This covers use of their web portal, client assistance, and debt counseling. Moreover, there are no upfront costs.
Is Pacific Debt Relief a fraudster? Not at all, no. The company Pacific Debt Relief is a reputable one that has helped many people pay off their unsecured debt. We advise Pacific Debt Relief if you require debt relief.
Pros
- Free consultation and no upfront fees
- After costs, you might save up to 35%.
- Simple online account monitoring
Cons
- Staff who are quick to pressure you into making a decision
- After costs, some customers only save 15%.
- To take advantage of Pacific Debt’s relief program, you must also reside in one of the states where it is active.
Pacific Debt Relief: What Is It?
A debt relief procedure involves lowering or eliminating debt, which can be done by settlement, bankruptcy, or negotiation. Since 2002, the company has helped over 30,000 clients identify and settle unpaid bills worth over $1 billion. Several people have benefited from their debt relief services in overcoming credit card and medical debt issues.
Customers who struggle to make minimal payments and are worried about lowering the amount they have to pay to their creditors ought to take this debt settlement company into consideration.
There are several reasons why someone can need debt relief. They could not be able to make their payments since they lost their employment. They can also be unable to work due to a medical emergency.
You can be confident that they will make every effort to assist you since they are dedicated to helping you find a solution that satisfies your demands and budget and they have an 85% success record.
How Does Pacific Debt Relief Work?
To assist clients in better money management and preventing future debt, Pacific Debt Relief also provides financial education in addition to debt consolidation loans. To assist customers in getting out of credit card debt, the organization bargains with creditors for lower interest rates and regular payments.
By consolidating your credit card debt and unsecured loans into one manageable monthly payment, you can pay off your debt more quickly and save money on interest. Thousands of people have received debt relief assistance from Pacific Debt Relief.
See If You Qualify for Credit Card Relief
See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.
Pacific Debt Relief: Key Aspects
- Accreditation:Â It is accredited by American Fair Credit Council, Better Business Bureau, Consumer Affairs, International Association of Professional Debt Arbitrators.
- Â Consultation:Â Free online or phone consultation with a customer services representative.
- Â Charge:Â 15% to 25% of the entire amount of debt is enrolled. States have different taxes to pay.
- Â Customer Service:Â Email or phone.
- Â Debts accepted:Â Apart for judicial judgments, payday loans, consumer finance loans, and uncollectible medical debts, all unsecured debt. Typically, debts under $10,000 are taken into account.
- Â Free resources are available:Â Informative debt management blog.
- Â Restrictions:Â Only 25 states offer Pacific Debt services..
- Â Services offered:Â Direct negotiation for the purpose of settling debt.
- Â Trust ratings:Â A+ BBB rating and 9.3 Trustpilot rating.
- Â Turnaround time: A minimum of 24 to 48 months.
What Type Of Loans Does Pacific Debt Relief Offer?
With the help of debt consolidation loans and home equity investments from Pacific Debt, you may eliminate your debt. They offer a variety of loan alternatives so they may customize a solution for your needs.
In order to save you money each month, Pacific Debt Relief negotiates reduced interest rates and monthly payments on your behalf with a network of creditors.
You can use the equity in your house as security for a home equity loan. This loan enables you to obtain funds for debt repayment. You don’t have to pay much interest because home equity loans often offer lower interest rates than credit cards or personal loans.
Pacific Debt Relief can assist you no matter your financial circumstances.
How To Qualify For Pacific Debt Relief?
To get out of debt, you can be looking for debt relief agencies. But how do you go about being eligible for a loan from a company like Pacific Debt Relief?
A minimum of $10,000 in debt and a maximum of $100,000 in debt are required to qualify for a debt consolidation loan from Pacific Debt Relief. Also, it would be beneficial if you had a solid salary and credit rating.
You can apply for a debt relief loan from Pacific Debt Relief if you match these criteria. It’s an easy process, and you’ll pay off your debt faster.
How To Sign Up With Pacific Debt Relief
You will first speak with a professional debt specialist who will inquire about your financial status and decide whether or not you qualify for debt settlement.
Follow these steps to schedule a free consultation:
- Visit the Pacific Debt Inc. website
- Click “Free Consultation” to speak with a debt expert.
- Click Show Savings after selecting the debt amount.
- Decide how far behind on your payments you are.
- Decide on your home state
- Enter the necessary contact information, then click “Submit.”
How Much Does Pacific Debt Relief Cost?
If you have $10,000 in debt, you should anticipate paying $1,500 to $2,500 over the course of the loan because fees are normally 15–25% of the debt enrolled.
Your actual monthly payments will depend on the parameters of your debt consolidation loan; this is only an estimate. If you’re seeking for debt settlement without unpleasant surprises, Pacific Debt can be the appropriate choice because they don’t impose up-front costs.
How Much Can You Save With This Company?
If you’re looking to reduce your debt, Pacific Debt Relief can be an excellent choice. You may save a lot if you save 50% on average. But keep in mind; this is before fees.
After accounting for fees, Pacific Debt Relief often results in savings of 15% to 35%. If you’re trying to save money, it might not be the ideal choice. Assume you are willing to give up some potential savings for the ease of doing business with a trustworthy company. Then Pacific Debt Relief might be a wise decision.
Pacific Debt Relief Loan: Minimum Credit Score
Pacific Debt Relief requires a minimum credit score of 660. Yet, if you have a lower score, they will still work with you. These loans provide flexible payback terms and cheap interest rates.
Pacific Debt Relief Program: How Long Does It Take To Begin Resolving Your Debt?
Pacific Debt Relief asserts on its website that its program is made to assist you in paying off your debt as rapidly as feasible. Once registered, they will arrange a debt consolidation loan with your creditors.
They typically have 12 to 36 months to settle our clients’ debt. They’ll collaborate with you to create a spending plan and payment schedule that works for you. If you’re having trouble making payments, your creditor might be able to work out a lower interest rate or lower monthly payment amount with them.
How Does It Affect Your Credit?
Your credit score may be impacted by Pacific Debt Relief, although you might not be aware of this.
Your monthly payments and interest rates will be lowered by your creditors as part of a debt relief program with Pacific Debt Relief. Debt settlement is the term used.
After your creditors accept their debt settlement offer, you’ll start paying them on a monthly basis rather than directly to your creditors. These payments will be kept on hold by them until they have enough money to settle your obligation.
The settlement will be listed as “settled” by the credit bureaus, which will lower your credit score. Debt settlement is still preferable to bankruptcy for your credit, though.
How To Use The Pacific Debt Relief Website
If you’re looking for debt relief, the Pacific Debt Relief website is a great resource. Use it as follows.
If you want to see how much money you could save by working with Pacific Debt Relief, start by using the “Calculate Your Savings” feature.
You should also look at the “Success Stories” section. This is a fantastic method to observe how Pacific Debt Relief has benefited actual clients.
The “Frequently Asked Questions” section should be read last. You’ll discover more about Pacific Debt Relief and our capacity to assist.
If you take these actions, you’ll be well on your way to debt relief.
Pacific Debt Relief Reviews
If you’re thinking about hiring Pacific Debt Relief to help you with your debt, you might be curious about their BBB rating and information on past complaints.
The Better Business Bureau has recognized Pacific Debt Relief since 2010, and its current rating is A+. Three complaints were resolved by Pacific Debt Relief in the recent three years, and one in the preceding twelve months. Despite having a spotty track record, Pacific Debt Relief typically responds to complaints.
The BBB rating of Pacific Debt Relief may be something to take into account if you’re thinking about using them to get your finances back on track. Examine their history of complaints to get a more complete view.
Here are some reviews:
Brian D 07/22/2022
Pacific Debt Relief: Is It Legit?
If you’re wondering whether this business is legitimate and whether it pays out millions of dollars in consumer debt each month, you’re not the only one.
A reputable business that has assisted thousands of people in escaping debt is Pacific Debt Relief. They have been in operation for 20 years and have an A+ rating with the BBB.
Moreover, they only cover half of the US states. Therefore, you might not obtain the greatest price. You might be able to locate a business that charges less in interest or fees.
If you’re looking for a reputable debt relief company, Pacific Debt Relief is a great option.
Comment below if you’ve used Pacific Debt Relief.
National Debt Relief Review: A Proof That Debt Settlement Works
If you have debt, you may be considering consolidating it to get your finances under control. Debt consolidation is a terrific option to get out of debt, but picking the appropriate company to assist you is crucial. Our National Debt Relief review will examine this well regarded business to see whether or not it is reliable.
You can trust National Debt Relief since they are members of the American Fair Credit Council, have all of their debt arbitrators accredited by the IAPDA, and are BBB-accredited.
By debt consolidation and debt settlement, they assist people in getting out of debt. Several individuals have utilized them because they are among the best in the industry. In addition to debt settlement, it provides federal student loans, credit counseling, and debt counseling.
One aspect that sets National Debt Relief apart is its customer service. To assist you with your debt consolidation issues, they are accessible around-the-clock. They have assisted many people in paying off their debt.
They have several years of expertise assisting people with debt consolidation and have received excellent evaluations, so they might be the best option for you.
National Debt Relief helps people and families consolidate all of their debt into a single manageable monthly payment. It is one of the most well-known and well-liked organizations in the sector.
National Debt Relief: Pros And Cons
In terms of debt relief, there are several possibilities, and each has its own set of advantages and cons. If you’re having debt problems, National Debt Relief is a fantastic choice. Before making a decision, you should evaluate some of the potential negatives of this form of relief.
With National Debt Relief, you may get out of debt fast. If you have a lot of debt, you might be able to get it entirely wiped out in a few years. You may feel uplifted and encouraged to regain your bearings.
A professional’s assistance can be quite helpful. If you engage with a reliable business with debt reduction experience, you can get a plan that is specifically suited to your needs. You won’t need to worry because they can help you throughout the entire process.
This kind of alleviation does have some potential drawbacks, though. If you have a lot of debt, enrolling in a debt relief program will lower your credit score. This will make it difficult for you to obtain loans and other types of credit.
The possibility of having to pay taxes on the forgiven debt is yet another drawback. The IRS treats a lender’s debt forgiveness as taxable income. This implies that even if you manage to have all of your debts forgiven, you can still wind up owing a sizable sum in taxes.
National Debt Relief: What Is It?
Consumers who are in debt, including credit card debt, medical expenses, and other types, can obtain help from a company called National Debt Relief. Personal loans, debt consolidation loans, debt settlement, and credit counseling are just a few of the services provided by National Debt Relief. They have aided thousands of people in debt relief.
How Does This Company Work?
You make a single payment to National Debt Relief after the settlement has been achieved, and they distribute the money to your creditors. This debt relief business negotiates a deal with your creditors. Compared to negotiating with your creditors, this procedure can help you get out of debt faster and for less money.
If you’re thinking about using the National Debt Relief process, you should be aware of a few facts about it. First off, all interest and late fees on your account will be frozen once you participate in the program. Thus, your budget’s balance won’t increase over time. Second, National Debt Relief will negotiate a lower monthly payment amount with your creditors. By releasing some of your monthly income, it can assist you in paying down your debt.
If you want to get out of debt quickly, it can be a smart option. Their skilled negotiators can frequently obtain for you a settlement that is far less than what you owe.
National Debt Relief Program
It is a debt relief program that aids in debt relief. Through National Debt Relief, you can reduce your monthly payment, avoid late fees and penalties, and potentially achieve cheaper interest rates on your bills. Also, you can combine your debts into one payment to make budgeting simpler.
How Much Does National Debt Relief Cost?
For its services, the National Debt Relief program charges a one-time, upfront fee. Usually 20% of the total debt you participate in the program to pay is the cost.
By enrolling in a debt settlement program, you can lower your interest costs while raising your credit score. If you’re thinking about joining a debt relief program, do your homework and compare costs with other debt relief organizations.
National Debt Relief Program: How Long Does It Take To Begin Resolving Your Debt?
The time it takes to pay off your debt is worthwhile. You may be confident that National Debt Relief will help you receive the greatest outcomes as soon as possible. Most of the time, they can settle debts within four months of enrolling. However, the following factors could alter that timeline:
- The total sum of your debt
- What kind of debt you are in
- Your credit score
- Your creditors’ level of cooperation
The procedure might be delayed if any of these variables alter. Don’t worry; National Debt Relief will be there for you at every turn.
How Does It Affect Your Credit?
It’s crucial to keep in mind that every situation is different, so you’ll need to speak with a financial expert to receive tailored guidance.
If you’re thinking about using NDR to consolidate your debt, you should be aware of how it could impact your credit. Your account may be marked as “in collections” by your creditors once you join in a debt relief program. Even after you have completed the program, paid off your debt consolidation loans, and discharged any enrolled debt, it continues to appear on your credit record for up to seven years.
This designation will have an effect on you dependent on the amount of debt you have, your credit score, and the length of time you have been late. In general, a debt relief program will lower your credit score temporarily; however, as you make consistent payments and lessen your overall debt burden, your credit score may eventually recover.
National Debt Relief Customer Service
Call National Debt Relief’s customer care at 888-969-1953, or send an email by using the “Contact Us” tab on their website.
To determine whether their services are appropriate for you, one of their employees will inquire about your circumstances with you. Also, they will outline their program’s operation and subsequent stages.
If you email the customer service department, they often reply within 24 hours. You can submit a form on their website by entering your name, email, phone number, and a brief message.
No matter how you get in touch with the team of knowledgeable experts at National Debt Relief, you can rely on them. It’s no secret that dealing with debt may be difficult, which is why they’re committed to giving each client the best assistance they can.
National Debt Relief: Is It Legit?
Although National Debt Relief is a well-known provider of debt relief services, you should confirm their legitimacy before signing up.
Since 2009, National Debt Relief has assisted thousands of people in escaping debt enrollment. They have an A+ rating and are a member of the Better Business Bureau. The Consumer Financial Protection Bureau (CFPB) has registered National Debt Relief, and it also adheres to a tight set of rules and regulations.
You can escape enrolled debt with the aid of National Debt Relief. What you need to know is as follows:
- It does not impose any up-front payments. They only get paid if they can assist you in paying off your debt.
- They have a group of specialists who can assist you in developing a plan that works for your resources and circumstances.
- Your interest rates and monthly payments will be lowered through negotiations with your creditors.
- If National Debt Relief is able to assist you with reducing your debt, they will also work with you to develop a strategy for doing so in the future.
This is a trustworthy business that has been assisting individuals in paying off debt for many years. Make careful to compare their services to others before using them.
National Debt Relief Reviews
National Debt Relief has an A+ rating and is a BBB-accredited company.
Here are some reviews:
Dave 02/22/2022
Katharine 02/21/2022
John 02/16/2022
How To Use The National Debt Relief Website
Visit the NationalDebtRelief.com website to get started, then fill out the free consultation. If you use their service, you can save a certain amount of money, and they can provide you with a free quote on that. Also, they provide a money-back guarantee, so using it carries no risk.
You may obtain a thorough summary of your current debt condition and your repayment progress in the account dashboard. Once you have made a National Debt Relief login, you will be able to track your debt repayment progress. Along with educational materials and blog entries on debt relief, you can find a plethora of information and tools here.
Also, their website is incredibly user-friendly and simple to use, making it easy for you to obtain the information you require. Do not hesitate to get in touch with one of their agents if you have any queries or worries.
How To Use The National Debt Relief Application
If you’re having trouble paying off your debt, this software can help you do it fast and simply.
Get the app from Google Play or the ITunes Store. Could you please open the app after installation and set up an account?
An individual debt relief plan based on your income, debts, and expenses will be generated by the app as soon as you submit your financial information.
As a final step, follow the plan to get out of debt as quickly as possible. You’ll get all the resources and tools need to succeed in the app.
The National Debt Relief Client Portal: How to Use It
Please visit the website and click the “login” icon in the top right corner of the screen to enter your client portal. Click “log in,” then enter your email address and password.
Customers can view their accounts and view recent transactions, payment history, and other information. Using the client site, you may also send a help request or chat with a representative.
How To Cancel National Debt Relief
If you are dissatisfied with the progress National Debt Relief is making on your behalf or if you decide that you no longer want to use their services, you have the right to end your contract. How to do it is as follows:
- First, inform customer support that you wish to cancel your contract when you call.
- Next, you will receive a cancellation form to fill out and return from customer service.
- Finally,in the event that they receive the cancellation form, your account will be closed.
Also, there are no cancellation costs, so even if you change your mind, you won’t be penalized. Therefore don’t be afraid to call and cancel if you’re unhappy with National Debt Relief’s services.
It is a great firm for debt relief, especially for those who need it, but you must feel at ease with the terms of the contract before signing up. Before making a decision, please contact National Debt Relief with any queries or worries. You have the right to end your contract if you believe debt relief is not appropriate. If you are not pleased, you are not required to use their services any longer.
How To Get Your Money Back From National Debt Relief?
Many alternatives are available from National Debt Relief to get your money back.
To ask for a refund, get in touch with the company directly. You might also write the business a letter or send them an email asking for a refund. But, if you do this, it can take some time for the business to process your request.
Moreover, you might be able to get your money back by complaining to the Better Business Bureau (BBB). The BBB will look into the business and might be able to help.
A lawsuit against National Debt Relief is the last resort. If you choose to take this course of action, you will need to hire a lawyer and sue the company. Considering that it can be costly and time-consuming, this is typically a last option.
National Debt Relief: Is It A Good Company?
It might be challenging to choose which debt relief company is ideal for you because there are so many that offer debt relief services. National Debt Relief, which was established in 2009, has helped thousands of people get out of debt. They offer alternatives to bankruptcy, credit counseling, and debt consolidation.
They have appeared in publications including Forbes and Money. The Better Business Bureau (BBB) has granted National Debt Relief an A+ rating and granted it accreditation. The dedication to customer care that National Debt Relief has sets it apart from other debt settlement businesses. A group of licensed credit counselors is available around-the-clock to help you come up with a debt alleviation strategy.
If you are thinking of utilizing National Debt Relief, bear the following in mind:
- National Debt Relief is not a scam. They have been a reputable business for years, assisting customers in paying off their debt.
- They provide a range of services, including as credit counseling, debt consolidation, and alternatives to bankruptcy.
- The Better Business Bureau (BBB) has given National Debt Relief an A+ rating and accreditation.
- They have additionally appeared in publications like Forbes and Money.
- Their staff of accredited credit counselors is accessible around-the-clock to assist you in coming up with a strategy to get out of debt.
Although National Debt Relief can assist you in getting out of debt, the final decision is yours. Do your homework before considering using National Debt Relief.
