Pacific Debt Relief

No upfront fee; the service fee is collected only after a specific debt is actually settled and funds are released from the client's own dedicated account, consistent with the FTC's Telemarketing Sales Rule Advance Fee Rule for phone-sold debt settlement.

No refund-type guarantee of any kind is offered (none of our three guarantee types apply).

Not independently pulled from the CFPB Consumer Complaint Database this round; BBB shows a low complaint volume (roughly 4 closed in the last 12 months) but that is a different database from the CFPB's and is not substituted for it here.

No FTC, CFPB, or state-AG action identified against Pacific Debt, Inc.

Published as a percentage range, 15%-25% of enrolled debt, varying by state and case specifics; not a single flat dollar figure, but a disclosed formula rather than 'call for pricing,' consistent with standard industry practice for contingent debt-settlement fees.

A specific California DFPI/CCFPL registration number was found in only one secondary source during drafting and could NOT be independently corroborated on adversarial re-check (no genuine source backed the exact number); we are not asserting a registration number here and treat current state licensing status as unconfirmed rather than published as fact.

Client funds sit in an FDIC-insured, client-owned dedicated account accessible via an online portal; when a creditor accepts a settlement, the company contacts the client for authorization before releasing funds and taking its fee.

Real named entity, founded 2002 in San Diego as Pacific Debt, Inc.

As a company not covered by CROA (governed instead by the FTC's TSR), client funds remain in a client-owned, FDIC-insured dedicated account the client can access and withdraw any unused portion from at any time, satisfying the spirit of a disclosed withdraw-anytime/escrow-return right.