Est. 1995 · Irvine, CA
Financial Hardship Program

Stop Paying Interest.
Get Out of Debt Faster.

We consolidate your unsecured debt into one no-interest program — cutting your monthly payment by up to 50%.

Learn More at PacificAssociates.com →

No obligation · Free consultation · BBB accredited

25+
Years in business
3K+
Clients helped
0%
Interest rate
50%
Avg payment reduction
Why Pacific Associates

A smarter path out of unsecured debt

Whether it's personal credit cards, business loans, or MCA debt — we've built a program that works when traditional options don't.

No interest

This program carries no interest — and that's where the biggest savings comes into play. Every dollar you pay goes directly toward reducing your balance.

One simple payment

Multiple cards and loans consolidated into a single, predictable monthly payment — often half of what you pay today.

Debt-free in 2–4 years

Our programs are designed to get clients out of debt within 2–4 years, with a clear path forward as each account gets settled.

Business & personal

We work with both personal and business unsecured debt, including credit cards, loans, and MCA.


The process

How it works

Three straightforward steps to start reducing what you owe.

1

Free consultation

A quick call with our team to review your current balances, rates, and monthly payments. No credit pull required.

2

Custom program design

We map out your consolidated payment — typically 50% lower than what you're paying now — and outline a realistic path toward becoming debt-free.

3

Enroll and start saving

Once enrolled, no more interest. You make one monthly payment and watch your balance drop — one settled account at a time.

Trusted credentials

A+ BBB Rating
Est. 1995
3,000+ Clients Served
Irvine, CA