Be patient!
Now that I've "graduated" and my credit score jumped up 44 points I can say the program was great! The communication between myself and the staff was not always great. The best thing a potential client can do is be patient!
About Pacific Debt Relief
Data updated- Website
- www.pacificdebt.com
- Category
- Money & Insurance
- Location
- United States · San Diego
- Status
- Unclaimed
- Last 12 months
- 74 reviews
- Replies to negative
- 100% (1/1)
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Is Pacific Debt Relief legit?
Pacific Debt Relief (www.pacificdebt.com) has a 4.8 out of 5 rating on OK.one, based on 74 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 98% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
Very professional
Very professional, courteous and thorough in review and explanation of processes.
Associate really friendly and…
Associate really friendly and knowledgeable help my understand everything made it easier to a understan
Got the help I need
Got the help I need , Thank you .
The representative I dealt with was…
The representative I dealt with was very nice and the entire process was seamless.
Keep it going!
Constant contact. Clear explanation of what we were to expect. Information we were not aware of about taxes we would not have to pay by filing a certain form. Up front. Personal. Worked with us to lower the percentage rate. Satisfied all around. Thank you.
Every person i came in contact with
Every person i came in contact with, was helpful, understanding and wanted to make the process go smoothly.
They were informative and answered…
They were informative and answered questions without being rude or insulting. Gave me a plan and what to expect.
They are very nice and friendly
They are very nice and friendly. Jill explained everything so I could understand the process and made me feel comfortable. It was a good experience!
They made me feel like I wasn't alone…
They made me feel like I wasn't alone and that I mattered. I was overwhelmed and out of my comfort zone and they gave me some peace of mind that everything would be okay
Easy and dependable!
They are super helpful and answer any…
They are super helpful and answer any questions I had during the process!
Staff made our conversation really…
Staff made our conversation really understandable and made the situation I was dealing with with a very educated and professionally informed where for me i felt like my world isn’t crashing but an opportunity to really fix past problems with responsibility and with help from this company
Today I spoke with Ted Kelhoffer about…
Today I spoke with Ted Kelhoffer about my debt situation, and options on how to proceed and he did an amazing job of leading me through the process and all the fine details of how to crush this debt and start walking in financial freedom. Ted was very professional and pleasant to speak with on the phone, and I would recommend him and this company for those struggling with debt. Thanks again Ted! God bless you!
Great company change my perspective in…
Great company change my perspective in credit save money in process highly recommend thanks for help
It is early in the relationship but so…
It is early in the relationship but so far everything is good. Keril has been patient and very helpful through the process of getting started.
Top-Notch Service
From initial contact and follow-through this experience has surpassed anything I thought previously. Can't express my appreciation enough! The staff is outstanding in providing both information and customer service.
I have chosen to cancel this program
I have chosen to cancel this membership. I am still able to pay my debt. I am not willing to sacrifice my credit and change my bank to be able to work with you. I do thank you for the opportunity even though I have chosen not to partake. I do need to know what I must do to cancel, if verbal is not enough. It does sound like a great program for those who really are at a loss.
So far
So far, a great experience, but I just started this journey and will have to see where it takes me. The people I have talked to have been very kind and given lots of information for me for any questions I have asked.
Very impressed and greatful
I cannot say enough great things about Pacific Debt Relief! The process was so much easier than I expected and the team is incredibly knowledgeable and professional. Steve and Michael are absolutely amazing — they were so kind, patient, and made me feel relieved knowing I was in good hands. They listened to my situation and provided an option that actually works for me. I'm early in the process but already confident I made the right choice. If you're stressed about your finances, call them. You will NOT regret it!!!
Reply from Pacific Debt Relief2026-07-09
We're so happy that you were brave enough to break out of a punishing cycle of minimum payments and to move toward debt freedom! We love knowing that you're having a great experience with us and we really appreciate the shoutouts for Steve and Michael! Please don't hesitate to reach out to your Client Success Specialist, Michael, any time you have questions or just need some reassurance!