I will make this review short for whoever out there doing research on debt relief programs:…read more Country Wide Debt Relief is legit. My debt was reduced to about half of what I originally owed. They did all the work in consolidating my debts and finding a resolution to my lawsuit filed by debt collectors. My experience with the people I spoke with was outstanding. They were very professional and sincere. I get that there are a lot of frauds out there and to be honest, I was skeptic at first. Country Wide Debt Relief proved that they are legit by being very honest and transparent through every step. I received emails and calls every time there are updates or changes. I already recommended them to some of my friends.

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.

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.

Being in severe financial crisis is one of the most stressful things a person can endure, and…read morecoming to a decision about what specific action to take moving forward, and who to trust to help you make the decision makes the situation even more difficult. If you're reading this review looking for answers to help you with your own financial crisis, look no further: The people at Financial Relief Law Center in Irvine are great listeners, are understanding and empathetic, and have a team with vast knowledge of the legal system and will handle your case dutifully and professionally. In my own particular circumstances, Victor Ugarte gave me not one but two free consultations, helped me understand the situation I was in with greater depth, and provided me with the most sensible option moving forward, which in my case was a Chapter 7 Bankruptcy. The cost was reasonable and affordable, and the process required no in-person meetings. Victor remained accessible throughout the process as did my assigned attorney, Richard Sturdevant, who kept me informed and up-to-date through each step of the process, alleviating my stress and anxiety about my situation. Now, with my case virtually complete, I can look forward to my financial future with clarity, optimism and hope, thanks to Victor's and Richard's help. In concluding, I give the Financial Relief Law Center my highest possible recommendation. Make a fresh start now by giving them a call!

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.

I had a very good experience with Fullman Law Firm while dealing with a case involving Jefferson…read moreCapital. Bryon Roca was professional, attentive, and took the time to understand my situation. The team was very helpful in reviewing my case and assisting me through the process. They communicated clearly and helped me resolve the situation, which I truly appreciate. I'm grateful for their professionalism and support, and I would definitely recommend Fullman Law Firm to anyone who needs legal assistance.

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.

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!

Chris is Awesome. His personality and knowledge are excellent. He is patient and always available…read moreto answer questions. I would recommend to communicate with him more than you think is reasonable just to get updates, discuss strategy and to figure out what will happen. Often times, when we are low on money is when we need a service like what Chris provides. And that's also when emotions will run high. So please communicate with him often to not only manage your emotions but also to chime into logic. Definitely would recommend Chris and Speedy Credit Repair. Just communicate and everything will be good. He and I are talking still to this day and plan on working together on different projects moving forward. Thank you Chris for your continued support, knowledge and patience. Much love and respect!

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!!!!!!

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!

would like to take a moment to write an honest, sincere, and genuine review about Second Chance…read moreFinancial. Back in 1998, when I was trying to purchase a house, I needed help repairing and improving my credit. That's when I met an incredible team at Second Chance Financial -- John, Karen, and Wayne. From the very beginning, they treated me with kindness, honesty, professionalism, and genuine care. Thanks to their help and guidance, I was able to buy my home back in 1998. Now, 28 years later, I find myself reaching out to them again for assistance, and to my surprise and gratitude, Karen and Wayne are still there. That alone says so much about the dignity, integrity, and stability of this company. It shows not only how they value their clients, but also how they treat and respect their employees. What always made them different is that they never treated me like "just another client." Over the years, they would occasionally call simply to check on me and see how I was doing. That level of humanity and compassion is very rare today. If anyone needs honest and trustworthy help with their credit, I truly recommend Second Chance Financial. These are good people who genuinely care about helping others rebuild and move forward in life. Thank you, Karen. Thank you, Wayne. And may God bless the memory of John, who is no longer with us. Your kindness and help will never be forgotten.

Credit can be intimidating, and I often neglected it for that very reason. However, when I…read moreconnected with Karen, she was incredibly patient and informative. What stood out the most was that they were not pushy at all. I've noticed significant improvements since I started working with them, and they genuinely care about your well-being. I've recommended Second Chance to friends and family who also felt uneasy or stuck. If you're in a similar situation, take a moment to call them. It's worth it! Thank you, Karen, Wayne, and the entire Second Chance team. You're making a positive impact in more ways than you can imagine.

Alleviate has been very good to me settling and clearing up my debt and Irvin and Pedro have been…read morevery helpful and I would recommend Alleviate to anyone!!

Commutation the people that reached out to me, gave me clear concise information and let an…read moreanswered my questions fully

I had a great experience with Optima Tax Relief. Everyone is different and usually your experience…read moreis a reflection of your situation. Mine wasn't perfect but also not a tangled knot. I was lucky enough to work with a guy named Pedro Cornejo. He was cool. He was easy to work with and explains things in a simple format. I don't deal with taxes and their lingo, so this wasn't my best forte, but he was able to navigate me thru the process. It was fun and really simple. I appreciate his work a lot. Hopefully they get to see when customers write these. I referred a few guys from my sales team to use him as well. They have harder situations but i have a feeling it will be smooth sailing. Thank you Optima! And most importantly thank you Pedro and go Doyers! Hopefully i didn't ask too many questions along the way.

Again... I didn't look on Yelp before hiring this company and now we're paying the price…read more They'll take $500 to get started. What that means is, they will get power of attorney and then contact the IRS to find out how much you owe. Something anyone can do. The next step is they will call you after several weeks- giving you the feeling that they really did do an investigation when they didn't. Fear tactics plain and simple. The next phase is giving you a line of BS about how your account is in collections and you have 3 days to act. Then they will charge you $4,400.00 to set up a payment plan with the IRS. If you don't act, they cut off all communication with you and drop you like a hot potato and won't even return phone calls. I contacted a well-known tax preparer with the initials H and R and they did everything Optima Tax Relief did, plus a lot more- even negotiated a settlement with the IRS in under 2 hours for $179. Looking at the other 1-star reviews, I think I'll file a complaint with the BBB as well.

The services provided by Performance Settlement were terrible. I graduated this program because I…read moregot a loan with an extremely high interest rate just to be done with them. When I signed up, I was given a monthly payment for 38 months and by the end, I would have all my debt paid off. Almost 2 years into it, I was informed there was no way I would complete in that time frame. I was lied to and screwed over by Performance Settlement, which a supervisor confirmed with me. I was told that the company was in disarray when I initially signed up and things are better now, but that coming from a company that told me one thing and then went back on their word.

They are suppose to help you fix your Credit however the guy…read moredidn't do what he said and they took the payment out when I said I wouldn't have money and bounced my checking acct. They are ridiculous to speak too having to restate the facts over and over plus I still have not got my money while the computer continues to call and threaten to take out more. Creditors still calling, threatening when I was working with them so this is just a money making scam. I want my money back. I'll probably loose my checking acct over this.