1. Pacific Debt

1. Pacific Debt

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San Diego, CA

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Pacific Debt

2.6 (10 reviews)
Closed Closed
Updated 3 months ago

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Recommended Reviews - Pacific Debt

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2 years ago

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1 year ago

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2 years ago

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3 years ago

Shuffled us to Credit One Advantage, total scammers and an absolute nightmare! They also don't return phone calls.

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8 years ago

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11 years ago

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8 years ago

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11 years ago

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11 years ago

Amazing company. Everything is fantastic and would recommend them to anyone that needs help with their credit card debt.

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14 years ago

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Ask the Community - Pacific Debt

I have a question about the taxes after we settle a debt. Do I have to claim all the unpaid debt and the fees ? I don't want to end up owing the IRS a bunch of money. Has anyone been through this and know what to expect?

Let us preface this by saying we are not tax advisers, and questions related to the tax consequences should be directed to a qualified CPA. That said, typically the IRS treats forgiven debt in excess of $600 as income. However, there are some… 

I am very uncomfortable how they want me to not pay bills for 6 mth while paying them into an Escrow account then after 6 mths they negotiate with them. During that 6 months, I'm sure my creditors will be calling me at work Anyone have this issue?

It's perfectly normal to feel uncomfortable with the process in the beginning - most clients do. Enrolling in our program means that you are making the decision that getting out of debt is of higher importance than protecting your credit score. For… 

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Jenn Financial Solutions - Credit Repair

Jenn Financial Solutions - Credit Repair

(11 reviews)

I felt Jennifer really cared about my issues and went out of her way to explain and guide me throw…read moresolutions. After working with her, I was able to get a great rate on my car loan. I would definitely come back to Jennifer when I have any financial issues.

I can't express how thankful and blessed to have found Jenn…read more Out of three other consult she made me feel comfortable and gave me realistic expectations. She didn't over promised but, most definitely delivered everything like a true professional would have. Other credit consultants made me feel my credit was horrible, in desperate need, and, or either they would be able to fix my score within few months. None where as precise and straight forward like Jenn. She let me know my credit scored wasn't the best yet it wasn't the worst either. My problem wasn't much to do with collections but late payments and little hiccups on the way. Jenn is a true professional. I would say she "like an attorney" fighting with the Creditors/ bureau and finds angels to help every situation you encounter in the past. Most definitely a true fighter that is passionate about her job. It's great waking up to emails you're credit score has gone up and I have to thank Jenn for it. Not only my credit score has gone up but also my credit-card credit limits. I was also able to purchase my car at a low rate since my old car broke down. Now I can't wait to purchase my first home in the next year or so. Cheers to a brighter future!!

Pacific Debt - debtrelief - Updated July 2026

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