4 Reasons Why Pacific Debt Is Not A Scam

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Sometimes when people hear about Pacific Debt's transformative results, they wonder if it's too good to be true, or maybe a scam. Pacific Debt is a debt relief service helping tens of thousands of people reduce their credit card debt and unsecured loans with one lower monthly program payment. Their financial experts evaluate your needs and create a plan that works for you, which could mean negotiating with your creditors to reduce the total owed, or consolidating debt so you can avoid getting stuck in the minimum payment trap and actually pay your debt off for good. They're making a splash online because they really work, but it's ok if you're skeptical. In fact, it's a good thing to be protective of your financial life!

Scams are all too real in the financial services industry, but Pacific Debt isn't one of them. Our editors partnered with financial experts to bring you the four main signs that a financial service is scamming you (and explain why they don't apply to Pacific Debt).

1. They ask for money upfront.

One easy way to spot a debt relief or credit repair scam is if they ask for an upfront fee before providing a successful service. They'll have you sign a contract with fine print relieving them of responsibility, then run off with your money. With Pacific Debt, you won't pay a dime unless they are able to make real changes in your debt situation.

2. They don't have third-party reviews.

Guess what? A company can easily write fictional, glowing reviews and post them on their website with no oversight. Real services will also have a significant amount of reviews on neutral sites you can trust, like Pacific Debt, whose customers' feedback has earned them an A+ rating by the Better Business Bureau and a five-star rating from Trustpilot.

3. They ask you to sign blank forms and provide personal information so the company can act on your behalf.

Information fishing schemes often look legitimate and convince customers that "acting on their behalf" means pretending to be them. But that's absolute identity fraud. As a rule of thumb, never ever sign a blank form. Pacific Debt can call creditors to negotiate debt for you, but they will never pretend to be you in any way. They take strong measures to make sure personal information is protected.

4. They push bankruptcy as a first option.

Most people don't really know what happens when you file for bankruptcy, but it's not an easy out. In fact, you should always consider your alternatives before filing. Bankruptcy can be expensive due to legal fees, is a matter of public record, and carries a stigma that stays on your record for up to 10 years. Pacific Debt is helping people who seek to avoid bankruptcy and pay off their debt to achieve real financial freedom.

If you're feeling trapped by unsecured loans or mounting debt, Pacific Debt will create a plan that lets you pay less so you can actually pay off your debt once and for all. Give them a call at (888) 585-9219 to see how they can help you. There are no upfront fees, so there's nothing to lose (and financial freedom to gain!).