#4 Ranked
Pacific Debt Inc Business Debt Settlement Review 2026
“Personalized approach suitable for smaller businesses.”
Min. Debt: $10,000
First Settlement: 6–9 months
Pacific Debt Inc by the Numbers
Fees
Transparency
Support
Success Rate
Pacific Debt Inc vs. Industry Average
| Metric | Pacific Debt Inc | Industry Avg. |
|---|---|---|
| Upfront Fees | None | Often required |
| Monthly Maintenance | $25–$75/mo | $50–$100/mo |
| Cancellation Penalty | None | Common |
| Time to First Settlement | 6–9 months | 6–9 months |
| Minimum Debt | $10,000 | $7,500–$20,000 |
Need help now? Talk to Delancey Street — free consultation, no obligation.
Company Overview
Pacific Debt Inc stands out for its highly personalized service approach, making it a good fit for smaller businesses that want more attention. Their accreditations are strong, though state-by-state availability limitations may be a dealbreaker for some.
The Good
- Highly personalized service
- Accredited by major bodies
- Good for smaller debt amounts
The Bad
- Strict state limitations
Fee Breakdown
| Fee Type | Amount |
|---|---|
| Settlement Fee | 18–25% of enrolled debt |
| Upfront Fees | None |
| Monthly Maintenance | $25–$75/mo |
| Consultation Fee | Free |
| Cancellation Fee | None |
| Program Length | 24–48 months |
Our Scoring
Savings Example With Pacific Debt Inc
| Your Debt | Settlement | You Pay | Pacific Debt Inc Fee | You Save |
|---|---|---|---|---|
| $25,000 | $13,750 | $11,250 | $5,375 | $8,375 |
| $50,000 | $27,500 | $22,500 | $10,750 | $16,750 |
| $100,000 | $55,000 | $45,000 | $21,500 | $33,500 |
| $250,000 | $137,500 | $112,500 | $53,750 | $83,750 |
Speak with a debt specialist:
(212) 210-1851
Free • Confidential • No Obligation
Best For
Small business owners with moderate debt levels who value personalized attention and one-on-one service.
Frequently Asked Questions
No, Pacific Debt Inc has state-by-state availability limitations. Check with them directly to confirm service in your area.
Pacific Debt is accredited by the AFCC (American Fair Credit Council) and maintains strong BBB ratings.
Struggling with business debt in your area?
Delancey Street has helped businesses reduce their debt by 40–65%. Get your free analysis today.