Pacific Debt Relief
Overview
Pacific Debt, Inc. is a for-profit debt-settlement corporation operating under the Pacific Debt Relief brand. The company states that it rebranded from Pacific Debt Inc. to Pacific Debt Relief in October 2021; the underlying legal entity remains identified as Pacific Debt, Inc. [2]
Tax Status & Ownership
| Entity type | For-profit, corporation |
| Legal name | Pacific Debt, Inc. [1][2] |
| Headquarters | 750 B Street, Suite 1700, San Diego, CA 92101 [1][2] |
Published Fee Schedule
| Structure | flat |
| One-time setup fee | No upfront fee stated. [3] |
| Percentage range | 15%–25% |
| Directory summary | 15–25% of enrolled debt after settlement, plus a $10 setup fee and $10 monthly account fee. Optional legal protection plan is $29.95/month. |
The provider’s pages use both “15%–25% of the total debt enrolled” and “15%–25% of the debt amount we settle for you.” Because these formulations are not perfectly consistent, the percentage basis should be recorded as provider-disclosed enrolled-debt pricing with a qualification that some page language refers to settled debt. [3]
Coverage
Current provider states page includes Virginia; current FAQ omits Virginia. The provider’s About page states “32 States Served” but presents a longer list than 32. BBB uses the general term “nationwide” without publishing a state-by-state list. [3][4][5][1]
Accreditation & Licensing
BBB accreditation and A+ rating are independently verified by BBB. Pacific Debt Relief appears in ACDR’s accredited-member directory. The provider claims IAPDA accreditation on its website, but the available IAPDA result did not independently verify the company-level claim. [1][6][3]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr |
No confirmed, adjudicated CFPB or state-attorney-general settlement, consent order, judgment, or license revocation was identified within the six-source research limit. Consumer complaints and pending allegations were excluded.
Cited Sources
- Pacific Debt Relief official website — Pacific Debt Relief (September 14, 2026) — First-party provider website.
- Pacific Debt Relief | BBB Business Profile — Better Business Bureau (September 14, 2026) — BBB profile identifies Pacific Debt as a corporation, lists Pacific Debt Inc. as an alternate name, gives the 2002 business/incorporation date, headquarters, accreditation, and A+ rating.
- About Pacific Debt Relief - Debt Settlement Company — Pacific Debt Relief (September 14, 2026) — First-party source for the stated October 2021 rebrand, legal-name usage, history, licensing statements, and provider-described coverage.
- California San Diego Debt Relief from Pacific Debt Relief — Pacific Debt Relief (September 14, 2026) — First-party source for minimum enrolled debt, fee range, fee basis, no-upfront-fee statement, and older state-list language.
- What States Does Pacific Debt Offer Debt Relief In? — Pacific Debt Relief (September 14, 2026) — Current first-party state-by-state coverage page; includes Virginia and the District of Columbia.
- Pacific Debt FAQs — Pacific Debt Relief (September 14, 2026) — Current first-party FAQ; provides an independently comparable state list that omits Virginia.
- Member List — Association for Consumer Debt Relief (September 14, 2026) — ACDR's organization-level member directory lists Pacific Debt Relief as an accredited member.