Pacific Debt Inc Relief Reviews – Genuine or Fake?

PROS: The average fees Pacific Debt Inc. charges for service ranges between 15 percent and 22 percent of your enrolled debt that are lower than average.

CONS: Pacific Debt doesn’t have an IAPDA accreditation.

VERDICT: This company has low fees additionally lower average reductions after fees, that makes Pacific Debt Inc. less attractive than other companies on the line-up.

Editor’s Note: The provider has mentioned us that they have included a mobile management portal, joined with a debt management provider and gotten licensed with the IAPDA, since our last review.

Pacific Debt Inc. Review

Pacific Debt Inc. debt relief has the lowest overall fees, ranging from 15 percent to 22 percent of your entered debt. This implies fees paid for service are removed from the total amount of debts you enrol in the program.

Contacting customer service, we calculated this score based on our experience.

Higher is Better

1.    New Era Debt Solutions 90%

2.    National Debt Relief 85%

3.    Category Average 81.50%

4.    Accredited Debt Relief 80%

5.    Pacific Debt Inc. 80%

Pacific Debt Inc. – Eligibility & Application

By filling out the online form on the company homepage you can begin working with Pacific Debt Inc. Simply provide which state you live in, how much debt you have, and what types of debt you have to see if you qualify for a consultation with Pacific Debt Inc. Depending on this information, to discuss your finances and consolidation options, a personal debt specialist will contact you.

Pacific Debt Inc. – Cost & Fees

Fees for consolidation loans range around 15 and 22 percent of your overall debt; these figures are on the low end of fees for the line-up. Average savings after the fees is 30 percent, which when compared to other services on the line-up is about average.

To be qualified to work with Pacific Debt Inc., you require $10,000 in unsecured debts, including credit cards, medical bills, other lines of bills and credit that have been sent to collections. Certain debts, like student loans and payday loans, are not qualified for consolidation, however make sure to check with a debt specialist. Depending on where you live, the amount of debt you need to owe to work with this service may vary.

The consolidation program typically takes around 24 to 48 months to complete, while every situation is assessed on a case-by-case basis. This is well inside the industry average. While this may appear like an unnecessary time span, it takes time to fix your finances, and there is no quick fix. You put money into an FDIC-insured account,when your debt representative begins negotiating with your creditors. When your debt is successfully consolidated, these funds will go toward paying your creditors and Pacific Debt Inc. fees.

Pacific Debt Inc. – Company Accreditations

This bill consolidation company publicizes that it does not charge direct fees yet does not specify that it is legally prohibited from doing so. This business is AFCC authorized, which means that in its interactions with consumers,it has been surveyed by a third party and observed to be upholding FTC rules and regulations. It is not accredited with IAPDA; however, many debt consolidation services are licensed with only one of these bodies.

Pacific Debt Inc. – Customer Experience

The company website gives educational tools and useful information about debt and other financial tips. Other ways include workbooks about investing and helping you track your spending. You can call it directly or email it to contact the company. You are assigned a personal account manager and can get your information through the online portal,when you enrol in the program. Also, you do not have a mobile account management option.

Pacific Debt Inc. – Summary

Pacific Debt offers good resources for helping you deal with your accounts during and after your consolidation program is complete and charges generally low fees for service. While Pacific Debt Inc. does not charge a substantial sum in fees, it likewise has low average reductions of debt, making it less noteworthy overall.

Superior Debt Relief Services Reviews – Legit or Fraud?

PROS: Highest number of reduction rates are included in Superior Debt Relief Services.

CONS: The time allotment which falls outside of the industry average ranges from one to 42 months.

VERDICT: Superior Debt Relief charges above average fees but it also offer more than average reductions to its customers. Making this one the best choice, overall savings with this organization are still higher.

Superior Debt Relief which is built up in 1998, has few customer complaints and positive appraisals with business rating services overall. This settles on it a great decision for debt consolidation.

Superior Debt Relief Services Review

Superior Debt Relief Services – Application

You will fill out the online form found on the company website while you begin with your debt consolidation program. A debt counselor will get in touch with you in helping you select a program and to go over your finances once you provide the amount of debt and your contact information. Superior Debt Relief does not charge maintenance fees or upfront fees with their services as well as Initial consultations are free of cost.

Based on our experience of contacting customer service, we arrived to the below score.

Higher is better

Superior Debt Relief Services – 80%
National Debt Relief – 85%
New Era Debt Solutions – 90%
Accredited Debt Relief – 80%

Superior Debt Relief Services – Eligibility

Before Superior DebtRelief will work with you, you will require $10,000 of unsecured debts on an average. However, these numbers may fluctuate depending on where you live and are estimated on a case-by-case basis. Superior having a high average reduction rate saves clients an average of 42 percent after fees. 35 percent of the settled amounts of debt are the fees for services.

Superior Debt Relief Services – Company Accreditations

Superior is IAPDA authorize. IAPDA certifies and trains arbitrators for the best debt consolidation companies. This also ensures that while you are working with the Superior, their representatives uphold FTC standards at the time of interaction with you and in the industry they also have the negotiation skills. You will begin with placing money into a FDIC-insured account while your personal arbitrator is negotiating with your creditors. From these accounts, the funds will go toward paying your creditors.

Superior Debt Relief Services – Timeframe

Depending on your amount of debt and ability to put money into your FDIC-savings account, the timeframe from your program varies. The company asserts that the consolidation programs take between one and 42 months. Being outside the industry average, it is unlikely that the program will only take one month to finish. While this number may appear attractive, be careful about any cases for a quick fix.

Superior Debt Relief Services – Customer Service

You will be assigned an account manager while you work with Superior, who will be your first point of contact of your program for the duration. As well as, with this program you will not have access to an online account management portal. For financial tools and tips, you can even visit the website which includes a debt calculator which helps in determining the time taken by you to finish paying of your debts at your present rate.

Superior Debt Relief Services – Summary

Having a strong reputation in the industry, Superior Debt Relief Services has more than average reduction rates, which means that a dominant part of savings are passed on to you. However, Superior even advertises a below average timeframe for its program, by making it sure in getting a realistic estimate from the organization.

Premier Debt Help Reviews – Legit Business or Big Scam?

PROS: Premier Debt Help has a greater than average reduction rate.

CONS: This company lacks USOBA and AFCC certifications.

VERDICT: Premier DebtHelp you save an average measure of overall, yet it has high progress rates in the negotiation procedure, which makes it a great choice.

Premier Debt Help Review

This service's specialty is helping you manage your debt to one manageable payment and in debt relief services. This company has a low minimum necessity of $5,000, although this may change depending on your location.

Premier Debt Help – Application

When you start service with Premier Debt Help, just fill out the online form that is found on the company website with the type of debt you owe and your contact information. A debt specialist will get in touch with you to plan for the future and go over your financial situation.

Contacting customer service,we calculated this score based on our experience.

Higher is Better

1.    Premier Debt Help 90%

2.    New Era Debt Solutions 90%

3.    National Debt Relief 85%

4.    Category Average 81.50%

5.    Accredited Debt Relief 80%

Premier Debt Help – Fees

Fees for consultation are 20 percent of your enrolled debt, that is lesser than average. This implies more savings from consolidating your debt go to you, rather than fees. After it has successfully lowered your debt, this service only charges you fees; and no company can charge you before time for these services,according to FTC rules.

Premier Debt Help – Timeframe

With this consolidation company, the bill consolidation program takes around 12 to 42 months. Twelve months may not be applicable to many people's situations and is on the low end of the industry average. Remember that based on your situation your program's length of time may vary and that you should be careful about anyone who tells you that they can easily fix your financial issues. When you enter the program, you are in charge for putting away money into an account; these assets will go toward paying your banks.

You are responsible for your debts throughout the program, and your creditors are within their rights to sue or even call you, however this is uncommon. Although, Premier Debt Help can help you regulate your collection call, it can’t and should not guarantee to stop them.

Debtmerica – Company Accreditations

Choosing a reputable company is importantas debt consolidation is a risky process. Premier Debt Help is IAPDA certified. IAPDA is an industry pioneer for certifying and training debt arbitrators. These trainings guarantee that they will have the best techniques for accomplishing the highest benefits for you and that the representatives follow FTC rules and utilize best practices in their interactions with you.

You are assigned a personal representative throughout your program. Throughout the duration of your debt consolidation program this individual will be your point of contact. Although, if you require further help, you can approach your account through the mobile and online platforms. Moreover, the company website has self-improvement tools, for instance a debt calculator, which helps you figure out how long will it take for you to pay off your debts and your monthly payments.

Premier Debt Help – Summary

You don't pay any upfront fees, including account fees or management fees with Premier Debt Help, which few companies utilize as a loophole to get advance fees. Moreover, this company has low charges for settlement and for lowering debts high success rates.

Accredited Debt Relief Reviews – Genuine or Fake Company?

PROS: Accredited Debt Relief is authorized to offer services in 49 states, the utmost on our line-up.

CONS: Averages saving when utilizing Accredited Debt Relief are about regular.

VERDICT: Accredited Debt Relief provides the most extensive service plan by offering numerous types of debt relief services and offers service in the highest number of states. If you need financial help beyond debt consolidation, this makes it a good option.

Editor's Note: This company has informed us of a few changes to their services. Their fees for debt reduction range around 15-25% and the minimum debt amount required is $1,000. We will assess these features when we next revise our reviews of Debt Consolidation Services.

Accredited Debt Relief Review

Accredited Debt Relief takes an extensive path to debt management. It gives a detailed overview of various debt relief options, including bankruptcy and debt consolidation loans, and also provides various resources you can use to form a budget and learn best money-managing methods. Accredited Debt Relief receives our Top Ten Reviews Bronze Award, due to its detailed approach to debt consolidation and education.

Based on our experience contacting customer service,we calculated this score.

Higher is Better

1.    New Era Debt Solutions 90%

2.    National Debt Relief85%

3.    Category Average 81.50%

4.    Accredited Debt Relief 80%

Accredited Debt Relief offers debt consolidation, debt management and debt settlement services. This means that you can select the option that fits your timeline and financial situation, when you choose Accredited. The accredited debt specialists run over your finances with you and help you choose which debt solution is best for you.

Accredited Debt Relief Review – Cost & Fees

When you enrol in a debt consolidation program with Accredited, you start placing funds into a different account. It is essential to mark that you own the account and the money in it. You always have entry to these funds and can withdraw them without penalty at any time.

The quicker you add up this account, the faster you can pay off your debts. After Accredited has consulted your creditors, the cash in this account will go to Accredited service fees and paying off your debts. This company's average reduction after fees is around 25 percent savings and its fees are about average.

The length of your program relies on your ability to set aside funds in your savings account and your financial situation. However, these programs take around 24 to 48 months to complete on average.Licensed Debt Relief does not charge advanced fees or upfront fees, which means you don’t pay anything unless your debts are successfully negotiated.

Accredited Debt Relief Review – Eligibility & Application

You can enrol personal and business debts in Accredited consolidation service, including lines of credit and medical bills and unsecured loans. Other debts, like payday loans and student loans, may not be eligible for consolidation.

The most of any service on our line-up this service covers 49 states. There is a merest debt requirement of $7,500. Though remember that these minimum amounts differ based on the debt you enrol and which state you live in.

Accredited Debt Relief Review – Customer Experience

You can find answers about various debt relief alternatives, such as bankruptcy and counselling, on the company website. The site likewise explains the effect debt consolidation will have on your credit. This information shows you about dealing your finances, yet the site is missing other resources, like budgeting calculators and worksheets.

You work directly with a personal account advisor when you begin the program. During your program,this advisor is your main contact and in your debt program keeps you updated to Accredited’s progress. You can also check your own accounts through the mobile platform and online portal while the advisor will be your main point of contact.

Accredited Debt Relief Review – Company Accreditations

Accredited has accreditations from both the AFCC and IAPDA. The AFCC surveys companies to make sure they are maintaining FTC regulations and not endorsing unethical practices. For personal debt arbitrators,the IAPDA provides training and certifications. For negotiating your debts within the FTC regulations, these trainings give advisors the best tools.

Accredited Debt Relief Review – Summary

This company has a minimum required debt of $7,500 and operates in 49 states. While the average time for finishing a program is around 24 and 48 months, this will rely on dedication to accumulating funds and your debt. For consolidating your debts into a more manageable payment, accredited is a good choice.