Is Pacific debt relief legit?
Founded in 2002, Pacific Debt is a highly rated debt relief company that has excellent user reviews and accreditation from third parties like the American Fair Credit Council (AFCC).
Does debt settlement affect your credit?
Yes, settling a debt instead of paying the full amount can affect your credit scores. When you settle an account, its balance is brought to zero, but your credit report will show the account was settled for less than the full amount.
Can you settle debt for less?
You can pay less than the full amount owed if you negotiate with a lender to settle the debt. Debt settlement companies offer the option to settle debt on your behalf for a fee, but there are many drawbacks to this process, including shattered credit and high fees.
How do I speak to a person at BT?
If you'd rather speak to a human, you can use the live chat feature on the BT website or call 0800 800 150. Make sure you have your account number to hand when you get in contact (you can find this on your bill).