How Pacific Debt Helps Thousands With Debt Negotiation

Managing finances can be hard for everyone—especially when hefty credit card payments are weighing you down. When you’re struggling to make monthly minimum payments and feel like your total debt isn’t actually going down, it can be tempting to consider bankruptcy as an out. Instead, consider debt negotiation.

Few people know it’s possible to lower your total debt owed just by negotiating with your creditors. Luckily, you don’t have to figure it out on your own.

Pacific Debt is a service with with a team of experts that will help you negotiate lower payments with creditors. They use their years of experience negotiating debt on your behalf, taking one more thing off your plate. Read on to see exactly how Pacific Debt works.

1. Share your information

First, tell Pacific Debt about your debt situation to see how they can help. Not everyone qualifies. Start by going to pacificdebt.com and inputting basic information about you and your financial status. After just a few clicks, Pacific Debt can show you an estimate of how much they could be saving you, so you can start on a path to financial freedom.

2. Talk to a representative

Pacific Debt offers personalized one-on-one consultations with a debt negotiation expert. One of their specialists will call you to discuss your situation and talk about what kind of plan might be right for you. Your debt relief counselor will stay with you throughout the process, so you’ll get to have a personal relationship with them, and can trust them to understand your situation.

3. Let Pacific Debt do the work

Now the real work begins. You continue to go about your life, while your personal account manager begins to negotiate down your debt. They call your creditors directly and use their expertise to lower your total amount owed. On average, they reduce your debt 40-50%, excluding program fees. Pacific Debt puts their years of expertise to work for you, so you can get out of the red.

4. A Holistic Debt Relief Plan

Next, Pacific Debt will put together a package created just for you which will help you manage your debt. Your counselor will present the terms of the settlement in full detail and proceed to get everything approved so you can finally receive the debt relief you need. They’ll take extra steps to make sure you have a plan that works for you, which might mean helping you make just one payment a month instead of several.

5. Start making lower payments

Now you’re ready to begin making lower payments. On average, Pacific Debt customers realize a cash-flow savings of 15-30% versus their current minimum payments. Plus, they’re only paying one consolidated monthly payment rather than multiple payments from various creditors. You don’t pay Pacific Debt a dime until you finalize a debt relief package that you’re happy with, so there’s nothing to lose.

Pacific Debt has helped thousands of people with financial uncertainty seek relief through debt negotiation. Unlike other companies, Pacific Debt’s process is easy and focuses fully on your individualized plan. If you want the peace of mind that comes with financial freedom, Pacific Debt can help get you there. Give them a call at (888)-585-9209 to see how they can help.