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When you are struggling with debt, it can feel like you literally have the weight of the world on your shoulders. It is a stressful situation that can feel absolutely hopeless, especially if you don’t know where to turn. If your debt has been amassed because of credit card usage, there is help available in the form of debt settlement companies. One of the top companies in the field is Pacific Debt Inc., which can help you with credit card consolidation so that you can finally be free of your credit card debt.

Pacific Debt Inc. is a debt settlement company that boasts one of the lowest average settlement amounts, ranging between 15 to 22 percent. When you enlist the help of Pacific Debt Inc., your debt will be reduced only to an average amount after it charges a fee for its services. This makes it not as competitive as some other companies that can reduce your total debt by a greater percentage. Still, Pacific Debt Inc. offers good credit card consolidation, debt settlement and debt management services and does not charge any upfront fees. Like many other companies of its ilk, it charges fees for its services only after working with your creditors to reduce the total amount of debt you owe.

One of the negative things about the company is that you can only qualify for its financial services if you are at least $10,000 in debt. Pacific Debt Inc. will work with consumers who are struggling with debt from credit cards, medical bills and collections. It should be noted, however, that the minimum amount is an average and depends on where you live. You will get a free consultation with the company after either calling its customer service line at 877-722-3328 or by filling out an online form at its official website at

Pacific Debt Inc. is a reputable debt settlement company located in San Diego, California. It was established in 2002 and has worked tirelessly to reduce the total debt of many clients over the past 14 years. On average, the amount of time you have to pay back your credit card debt after a representative works to consolidate your debt is between 24 and 48 months. Payments are made to a federally insured trust account so that when you reach a settlement, the money can go to your creditors and Pacific Debt Inc. can receive its service fee. The average debt reduction you can expect comes to around 30 percent.

Pacific Debt Inc. is accredited by the Better Business Bureau with an A+ rating. It is also accredited by the AFCC and IAPDA. The company has a rating from users who have relied on its variety of services. Although the company is headquartered in San Diego, its services are available throughout the United States.

On the whole, if you are looking for a debt settlement company to provide you with much needed credit card consolidation services, Pacific Debt Inc. is a good choice. The company will assist you in lowering your total debt while negotiating with your creditors and receive a low fee for its services. It is a trustworthy debt settlement company that will help to ease your stress, both emotional and financial.