shady sales tactics. they say you will pay less but in fact you pay because of the fees which are…read morealso predatory. DO NOT go through them.

Customer service is unable to provide any information r/t iur contract and what is being offered to…read morecreditors. I am requesting a telephone call not from customer service, but from managment as they have never been able to assist each month my husband calls for an update so that we can recieve the answers we have been asking for over 8 months.

Absolutely great place to consolidate step by step guidance an resource…read more After 2 years and done with my accounts. Thank you so much! Highly recommend!

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

I was drowning in debt and Pacific Associates saved me. I am so thankful to the company…read more I was young, was never educated about credit and loans and found myself in about $30,000 of credit card debt and loans. I was working, but definitely not enough to keep up with all the payments and interests that accrued, it seemed like I would never get out of debt. Then I found pacific associates, read a lot of reviews about them because of course I was skeptical. I contacted them and Roger and Shain answered every question I had. I signed up for the program and Roger was very good and prompt at answering my emails with any concerns I had. They really work with you to make sure you get out of debt. This month was my last payment and I can proudly say I am debt free and feels AMAZING!! Thank you guys so much for helping me. I would definitely recommend Pacific Associates to anyone trying to get out of debt.

Life circumstances changed for me and I ended up accumulating debt that I was no longer able to…read morekeep up with. The team at Pacific Associates helped me and have continually kept me updated with my case. Shain and Roger are professional and helpful and have kept me apprised of the details with my creditors. I am so thankful to have found Pacific Associates!

Great service, handling all items that they said they would. Will use again in the future if we…read moreneed it!

Sandra was extremely insightful- she does not try to upsell her services and will keep you honest…read moreon the best approach forward. She procures solutions based on your specific needs it's not a bundle and buy one size fits all type of service. Highly recommend and she knows her stuff.

It was good to be able to understand the person who called me. He explained the process better than…read morethe other people that I have spoken to. Mark Sanchez listened to me and answered my questions.

I'm very grateful to TRA for helping me resolve my tax issue. The entire team was professional,…read moreknowledgeable, and made a very stressful situation much easier to navigate. A special thank you to my case worker, Angela, for always being responsive, kind, and supportive throughout the process. I truly appreciate everything TRA did for me and would definitely recommend them to anyone needing tax resolution services.

Sam was so pleasant to work with and did an amazing job saving us 50% on an old debt. Highly…read morerecommend.

This might be the most important review I ever write. If you're reading this, like you, I searched…read moregoogle and then went to Yelp, as I always do. If you're reading this, I want you to pause and truly absorb this review, because I was in your exact position not long ago. If you're grappling with student loan debt, particularly if your wages are being garnished or about to be, I understand how overwhelming and stressful it can be. It can make you feel trapped and unable to move forward. I personally experienced this firsthand, as I had been dealing with a garnishment for years and had accumulated a staggering $368,000 in student loan debt from a community college and a bachelors, that included accumulated interest. A never ending nightmare. Once a wage garnishment finished, another garnishment for student loan would start. It was endless. However, it's important to recognize that there are solutions available, and seeking the right assistance can significantly transform your situation if you're being garnished or about to be. Christopher Peters provided me with the guidance and support I needed, and his impact on my life is profound. I transitioned from feeling powerless and helpless due to the garnishment to finally having a clear plan and a sense of peace of mind. It wasn't an overnight process by all means, but taking that initial step made all the difference. It took me over a decade to make that call, but I did it. I only wish I had taken action sooner, as many of us do when we find relief. It's just I let the hopeless feeling take over thinking nothing could be done and this was to be expected. I'm glad I took the chance and called the firm. I'm now on a structured payment plan with my student loans and not being garnished. A BIG win for me!! If you're struggling with student loan debt, with a garnishment on your earned wages, don't ignore it or assume that you're out of options if you're being garnished. Don't wait! They may be able to fight for you. Remember , the right guidance can help you stop the bleeding and begin the process of rebuilding your financial life if you're in garnishment. Fullman Firm assisted me in my fight, as their help truly changed everything in my situation. I hope they can change yours.

A Successful Outcome Doesn't Excuse a Poor Client Experience…read more My husband and I retained Financial Relief Law Center to help us through a Chapter 7 bankruptcy during one of the most difficult periods of our lives. While we ultimately received our discharge, the overall experience left us feeling frustrated, unheard, and unsupported. One of the biggest issues throughout our case was inconsistent communication. Over the course of many months, we received conflicting guidance regarding our eligibility for Chapter 7, particularly concerning whether my disability income needed to be included. Each time we believed we understood the next step, we were given different information, resulting in repeated delays while our financial situation continued to deteriorate. As our circumstances became more urgent, I reached out to our original attorney, Amanda, with a thoughtful email explaining our concerns. I wasn't angry or looking to place blame. I simply expressed that we felt like "just another file," explained that we had received inconsistent guidance, and asked for better communication and engagement with our case. I never received a response. Instead, our file was transferred to another attorney without any explanation or conversation. To me, that was one of the most disappointing moments of the entire experience. When a client takes the time to respectfully express concerns, I believe those concerns deserve acknowledgment. Even if there had been disagreement, a simple conversation would have demonstrated professionalism and respect. Instead, it felt as though our concerns were avoided rather than addressed. After the transfer, Rich became our attorney. Looking back, I recognize that he inherited a case that already had significant communication challenges. While I don't believe he was responsible for how the case began, the communication issues unfortunately continued. We often had to follow up for responses, and we frequently felt uncertain about the status of our case and the advice we were receiving. One issue that continues to stand out is that we were never given the opportunity to discuss whether delaying our bankruptcy filing until after completing our tax return was an available option. I'm not suggesting that delaying would necessarily have been the right decision, nor do I expect anyone to have predicted the amount of our eventual tax refund. Rather, I believe clients deserve to understand the available options, along with the risks and benefits of each, so they can make informed decisions. That conversation never happened, and it ultimately left us feeling that we had lost the opportunity to consider an approach that may have preserved a significant amount of money. To Rich's credit, after my bankruptcy was completed and despite no longer representing me, he took the time to answer several post-bankruptcy questions and acknowledged that communication during my case could have been better. I appreciated his willingness to respond and his professionalism in doing so. My purpose in writing this review isn't to question the firm's legal knowledge or the fact that we ultimately received a bankruptcy discharge. It is to share the client experience we had. Bankruptcy is an incredibly stressful process, and clients need more than legal documents filed correctly--they need timely communication, consistency, transparency, and the confidence that someone is truly listening when concerns are raised. Financial Relief Law Center has many positive reviews, which suggests that many clients have had good experiences. That's something to be proud of. At the same time, I believe the greatest opportunity for growth comes from listening to the clients whose experiences were less positive. Constructive criticism isn't meant to diminish the good work that's been done--it provides an opportunity to improve. I hope my experience, along with the experiences of others who have shared similar concerns, encourages the firm to place greater emphasis on communication, consistency, empathy, and accountability. Those changes would make an enormous difference for future clients navigating one of the most stressful times in their lives. If sharing my experience leads to even one future client feeling more heard, better informed, and better supported, then writing this review will have been worthwhile.

Just started my filing, and so far Victor has been amazing and very helpful, I was very anxious to…read morestart a BK but Victor has been very communicative and I appreciate that!

I can't thank Kevin and his team enough for helping me through everything. I was honestly pretty…read morestressed about the whole process, but they made it way easier than I expected. From the first time I got in touch with them, I could tell Kevin really knew what he was doing. Him and his team made the whole process feel simple, stayed on top of everything, and always got back to me quickly whenever I had questions. They never talked down to me or threw a bunch of confusing legal terms at me. They just told me exactly what I needed to do and guided me through everything step by step. By the time my court meeting over Zoom came around, I felt completely prepared and it was over way faster and smoother than I expected. I highly recommend Kevin and his team at 1st California Law. They're knowledgeable, professional, responsive, and they genuinely care about helping people get a fresh start.

I hired Kevin for my bankruptcy case and couldn't have been more satisfied. Very professional. And…read morewalked me through the process step by step.

When I lost my employment, I signed up because I knew I would not be able to make my payments. I…read morethought it was the responsible thing to do. My payments are every 2 weeks - 26 payments in a year. For 3 months of the year, there would be 3 payments instead of 2. I could do it until I needed to go on disability in September. I called and asked if I could make just one payment each month. I gave them the amounts and did the basic math. Example: payments of $200 every two weeks would be $200 X 26 (weeks) = $5,200. Divide by 12 would be $433.33 each month. They said they would get back to me within 5-7 business days. When I was not called back, I called. Just before all this started, they had called and asked if I could increase my payments because of a settlement offer I would need to pay an extra $35. I had said no. When I called back, they wanted me to pay a little under $40 extra. I said no. No calls, no emails, no nothing. I sent messages, called, said I would be suspending payments. Still nothing. I called my bank and suspended the payments, well in advance. The day the payment was to come out, I got a call and an email. Too late. The excuse I kept getting was, "We don't pay by the year". No duh. Not one of the employees could do basic math.

Start your journey with sound advice. Not here at this company. It was the single most worst…read moredecision I ever made. After my credit plummeted, I took matters in my own hands. Credit repair doesn't happen overnight but after not quite 2 years I am a hundred plus past where I was when my representative Mr Flores was condescending enough to tell me I did this to myself. Yes! a professional uttered those words. No judgement of how one gets into debt. But let's be clear. IT DOES NOT GO AWAY OVERNIGHT. Just do yourself a favor and log into credit karma, follow the advice, ask creditors yourself. THYE WORK WITH YOU. Do not give these people your money.

I urge everyone to please do NOT go through with Speedy Credit Repair…read more They are scammers. Do not believe the fake reviews. We enrolled with them for 6 months. We understand coming into this it's a possibly our credit issue may not be fixed. We know this will take time. But one thing this company lacks is integrity. They are not true to their word. If you say something such as "I will call you back", please carry out your promise. All I asked for was communication. During this entire process, I only spoke with Chris 2 times. I called, no one answered I texted, no one answered You email Chris, no response He has an assistant Laurie who will respond to emails. She mentioned in my last email " Yes, Chris knows you are expecting a call" guess what? He never called me back!!! Chris said he will contact his lawyer associate and stated " I will call you back and give you an update" guess what? He never called back. They have you enrolled in a credit monitoring program which you have an additional fee. They probably get some sort of incentive. I can go on and on... there's has been so many occasions. Honestly, don't waste your time and money!!!!!!

Before I hired this company, Mr. Chris L. gave me a call fairly quickly when I requested a free…read moreconsultation. Phone call nearly lasted an hour, explains to me his story, how everyone has slip ups with credit, how he knows how to repair credit ethically and properly. Gave me his story how he initiated his company, when I asked to proceed he asked for a $200 fee up front and after that $199 a month for 6 month contract. He also sent me documents to sign, nearly a dozen, all stating ways for him to stay covered from legal troubles and so I don't ask for a refund and it's a non refundable deposit. I was not asking for a miracle with my credit score, I was aware how I messed up my credit but I didn't know how to tackle it to get it better, Mr. Chris highly recommended not to worry that he will help me that that's why I hired him, he'll tackle these companies to try and get rid of them from my credit score, 3 months pass by and I ask for a update of how the situation is going, no response. I called and emailed his assistant Laurie, no response, when I did get a response it was for me to set up an appointment, in which I did, come to the date of? No call, no text no email. 2.5 more months passed by, I reached out again, Mr. Chris said, "I'll call you in a bit" ....... No call no text. I reached out to assistant...... no call no text no email. Come to 3 days before contract is up, $1,200 later, I ask for another update, well I never received one before but you know what i mean, Mr. Chris told me that he wants to talk to me and give me a refresh on my credit score, and discuss next steps, told him great I'm available anytime to just give me a call. Never heard from him again. In summary, did they help my credit score? No. Did they remove anything from my credit report? Yes, 2 things that were $50 each additional cost, so total price : $1,300. Before they take your money Mr. Chris is so talkative and transparent and communicative , after though? No a single word, no communication, out of the work they did, hardly any, hardly any improvement was made but that's why they send a lot of documentation for you to sign so you don't later on try and get your money back for not being satisfied.