Frequently Asked Questions
Everything you need to know about how Pacific Debt Consolidation can help you move forward with confidence
Am I a good fit for debt resolution?
First of all, if you’re struggling with high-interest credit cards, medical bills, or personal loans, you may be an excellent candidate. In many cases, Pacific Debt Consolidation helps people who want a realistic alternative to bankruptcy. Most importantly, if you’re feeling overwhelmed, you don’t have to face it alone.
How long does the debt relief process take?
Generally speaking, most programs take between 24 and 48 months. However, the exact timeline depends on how much debt you have and how much you can comfortably save each month. Over time, as settlements are reached, your balances continue to shrink.
When will I begin seeing progress?
In many cases, clients begin seeing accounts resolved within the first few months. Once your savings account builds, Pacific Debt Consolidation can begin negotiating, which means you may see your first settlement sooner than you expect.
Where do my monthly payments go?
To begin with, your deposits go into a secure, dedicated account. From there, those funds are used exclusively to negotiate and settle your enrolled debts. In other words, your money is always working toward reducing what you owe.
Will creditors keep calling me?
While some calls may continue at first, they often decrease over time. As a result of negotiations and settlements, many clients notice less contact from creditors as their accounts are resolved.
What impact will this have on my credit?
At the same time, it’s important to understand that your credit score may decline initially. However, as your debts are resolved and your financial picture improves, many clients experience long-term credit recovery.
How is debt relief different from debt consolidation?
Debt consolidation combines your balances into a new loan. However, debt relief focuses on reducing what you owe. That’s why many clients choose Pacific Debt Consolidation — it addresses the root of the problem, not just the payments.
Is my information safe?
Most importantly, your privacy is protected. Pacific Debt Consolidation uses industry-standard security and encryption so your personal and financial information stays secure.
Can Pacific Debt Consolidation guarantee results?
While no company can guarantee outcomes, our experienced negotiators work tirelessly to secure the best possible settlements. Ultimately, our goal is to help you reach lasting financial relief.
How do I get started?
Now that you understand how the process works, the next step is simple. Just request a free consultation, and a certified debt specialist will help you explore your options.
Still Have Questions?
With that in mind, our debt specialists are ready to walk you through your options and help you take control of your financial future.
Speak With a Debt Specialist