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    1UPCREDIT

    5.0 (6 reviews)
    Closed 9:00 am - 5:00 pm

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    First Choice Debt Relief

    First Choice Debt Relief

    (24 reviews)

    They were amazing throughout the process always very clear and truthful about everything that was…read moregoing on program lasted the amount of time they said since the beginning and am very happy to have choose them to resolve my debt issues thank you first choice you guys are great

    Lets be honest, no one wants to be here writing a review for a debt relief company, right? But, I…read morewill be honest, I got myself into some big trouble with debt, unfortunately. I started to panic, and I did some research here on Yelp, and I landed myself in the lap of First Choice. I contacted them, and got to work on trying to figure out what to do with my situation. I wanted to avoid bankruptcy for multiple reasons, however I didnt know how I was going to make a huge payment every month to get myself out of debt. The number given to me for a monthly payment knocked the wind out of me. I had a HUGE amount of debt. I couldnt even make all of my monthly payments, what I was paying on my cards, was just being put right back on in finance charges. It was so overwhelming. I decided I had no other choice, and I went and got a second job, and eventually cancelled items like my Disneyland pass, and other items to be able to make one payment to First Choice. It hasnt been easy, but they were extremely easy to work with. They negotiated with my creditors, and as part of their program and your payment to them, you also have legal representation for advice and other items. I will leave a separate review for Veritas Legal however they were amazing to work with as well, including having me keep track of phone calls from creditors, and calling them to tell them to stop calling me, and tracking when they dont, and going after them if they violate the law and continue to call, resulting in some debt possibly being forgiven. I was offered a loan through a partner of First Choice, that I accepted. This resulted in all of my debt being settled and paid off, and I now am paying back the loan, at a slightly lower monthly payment as when I originally signed up. I have probably 3 1/2 more years to pay all of this off, but I am so grateful to have worked with them to get my life back in order. They were so very helpful from the very beginning through the very end of the loan company taking over. The only thing that caught me off guard was receiving 1099-C forms. I was not expecting this, and had to amend my tax return and am still waiting to see if I will owe money on these. That can take up to 6 months... and it sounds like if the IRS forgives the money owed, you will just not get a response from them. Very stressful and once 2020 is over, I will be happy to know where I stand on that matter. I recommend this company, just know there is a LOT of work that goes into taking care of debt, and you will have to put a lot into it, but this is the place to do it with. They will guide you every step and answer all of your questions. Good luck!!!

    Financial Relief Law Center, APC - The future is looking brighter now!

    Financial Relief Law Center, APC

    (65 reviews)

    I would like to share my story on how I became a client of Financial Relief Law Center…read more It all starts with that lovely experience we all endured called COVID. Back in 2019, things were a mess, the job was dodgy, took some risks to hedge some financial situations, oh and I was planning on getting married in Spring of 2020. Well guess what? Things went from bad to worst and bankruptcy was the only path left to gain any kind of control. My fiancé was devastated, we had to call off the wedding, not to mention COVID did anything to help... So with that in mind and the love of my wife now (happily married by the way), we had to find a solution. My wife, through a recommendation, was told to look into Financial Relief Law Center. Tears in her eyes, with the recommendation in her hand, hands it over to me saying, 'You've Got to Get This Done for Our Future'... Being in complete financial distress is a horrible experience, one I never care to go through again. Having creditors & the government coming at you is no fun. Talk about anxiety, it was rough. If anything, definitely a life lesson you will never forget. As a result of all this, I turned to the FRLC Team. I was immediately introduced, over the phone (COVID) to the calming voice of Victor Ugarte, the team's Senior Case Manager. We spoke for about an hour on what it's like to file for Bankruptcy, what to expect during the length of the case and the outcome. More importantly, explaining to me that I'm not a criminal, life happens and there's a solution to my situation. That phone call right there, literally change my life and my horizon. To me, it was obvious I had found the right team & set up a phone meeting (COVID) with Amanda Billyard, Managing Partner. Again, like the team, her tone was very calming and we proceed to go to work. Amanda took great care explaining everything, no gray areas and excellent communication throughout the case. Slowly the anxiety started to fade away and recovery was beginning to feel reachable... Well, here we are five years later, my case has been honorably discharged and great thanks goes to Amanda Billyard and her service. My wife & I will forever be grateful to Amanda Billyard and her team for their service. We give you great thanks!

    I want to give my utmost gratitude to Victor and especially Andy at Financial Relief Law Center for…read moresuch an incredible experience during what felt like one of the lowest points in my life. What seemed like the end for me turned into a fresh start because of their guidance and expertise. After speaking with several firms over the course of a couple of months, I was referred to Financial Relief Law Center due to the complexity of my case. From my very first conversation with Victor, I immediately knew I was in the right hands. He was professional, understanding, and--most importantly--never once made me feel judged. His reassurance alone gave me the confidence to move forward. Once I retained them, I began working closely with Andy, who guided me every step of the way. Prior to this, I had received misinformation from other attorneys, and that stress led me to make a decision on my own without first consulting him. Despite that, Andy's expertise and dedication were able to pull me out of what felt like an endless hole. Through numerous hearings, Andy fought for my rights and remained committed to my case. In the end, he proved victorious with the final ruling, and I couldn't be more grateful. If you're looking for a team that truly cares, knows what they're doing, and will stand by you through a difficult time, I highly recommend Financial Relief Law Center. Victor and Andy gave me not just legal support, but peace of mind and a second chance.

    1UPCREDIT - debtrelief - Updated June 2026

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