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.

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!!!

After a very difficult time in my life, I was bogged down with debit and saw no light in sight. The…read moreteam at Pacific painlessly guided me to the end of the tunnel. Roger and Shain were extremely responsive and easy to work with. A+ in professionalism and the overall experience. With their help I'm back on track and able to save money again. I couldn't be more than thankful!

Very helpful and friendly. Check in on you every now and then. Gave informative feedback and helped…read moreme get this cleaned up. Highly recommend. You won't be disappointed and a huge step to becoming debt free!

They are the best of the best!!! They are knowledgeable…read moregreat customer service and they go above and beyond. Sandra helped me increase my credit score almost 200pts!!!!! Thank you to this team!!! Highly recommend

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

took 4 years to get 7 years returns corrected, but got rid of Big$$ tax debt!!…read moreLots of file transfers,but Well worth the time and moneys spent. I would recommend to anyone that's behind in filing or paying to get yourself free from IRS strong holds

this is the first time we've ever had to use a tax relief company and so far we have had a great…read moreexperience. Destiny exceeded our expectations on her level of service. And I was pleasantly surprised how much they are saving us and how reasonable their fees are. We couldn't be happier and destiny was a pleasure to work with. Highly recommend this company.

I don't usually do reviews, But after the best experience with this Law firm Its a must I leave a…read morereview. Diana was great on explaining everything I needed to know. The outcome on my case exceeded my expectations. Thank you Diana for the great service. I definitely highly recommend The Fullman firm.

Topnotch firm. My wife went through some serious medical issues and had an old credit card debt…read morethat an aggressive collection agency purchased. It had gone to a judgement and then a bank levy before we were aware of the issue. The Fullman Firm settled it for less than half of the original debt. If you want an aggressive no-nonsense team of lawyers on your side The Fullman Firm are the team you want.

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.

We retained this firm for approximately a year and a half while navigating one of the most…read moredifficult financial periods of our lives. Throughout that time, we relied on their guidance regarding bankruptcy eligibility, timing, and strategy, trusting that they would help us make informed decisions about our future. Unfortunately, our experience was defined by inconsistent information, poor communication, lack of responsiveness, and a complete absence of empathy for what our family was going through. We initially worked with Amanda and followed her guidance regarding our bankruptcy options and filing timeline. Over time, we began noticing inconsistencies in the information we were receiving regarding our Chapter 7 eligibility, how my disability income would be treated, and when we could move forward with filing. When we raised concerns about the conflicting advice, communication issues, and lack of compassion surrounding our circumstances, we never received a meaningful response. Instead, our case was eventually transferred to another attorney, Rich, leaving us feeling unheard and without any accountability for the concerns we had raised. Unfortunately, once our case was transferred, the communication problems continued. Emails often went unanswered, follow-up was frequently required just to obtain basic updates, and responses were often delayed despite the urgency of our situation. We were dealing with job loss, disability, mounting financial hardship, and ultimately the loss of our home. During a time when we needed guidance and support, we often felt like just another file rather than valued clients who had been on retainer for well over a year. What is most disappointing is that after working with this firm for such an extended period of time and being in regular communication about our financial circumstances, important issues affecting our bankruptcy strategy were not addressed until it was too late. As a result, we lost the opportunity to take actions that may have allowed us to preserve more than $8,000 that would have made a significant difference for our family during an already devastating financial crisis. No attorney can guarantee a particular outcome, and we understand that bankruptcy law can be complex. However, clients deserve accurate information, consistent guidance, timely communication, accountability, and genuine concern for the impact these decisions have on their lives. In our experience, this firm failed to provide those things. After a year and a half of waiting, uncertainty, conflicting information, and feeling ignored when we expressed concerns, we cannot recommend this firm to others facing serious financial hardship.

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.

Great service and very very fast. Kevin is great and so is the staff. I'm so glad I went in and he…read morewas actually recommended by a friend who told me he was a great pick when they went in.

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.

They took 6 cards, settled with 3 (one at a time), and after 2 years still have not settled with…read morethe other 3. Increased payout by $95/month after settling with the 3rd, and while I was informed at start this would all be paid in 3 years, that time has now been added on to with the settlement of the 3rd. Couldn't have paid them regardless, but if it takes 10 years to pay them then bankruptcy and 10 years of saving will put you in a better position than this.

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.