1. Debt Busters

    1. Debt Busters

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    Gold River, CA

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    Debt Busters

    1.0 (2 reviews)
    Open 6:00 am - 6:00 pm

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    Debt management

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    DMI & Associates - Debt Solutions, SP

    DMI & Associates - Debt Solutions, SP

    (8 reviews)

    I had a consultation with Joe Garcia and it was one of the most dismissive conversations I've had…read morewith a professional. He was rude, entitled, dismissive and made it clear that unless the case is over million-dollar claims or high-debt cases it "wasn't worth his time." He consistently talked over me and refused to listen to the specific statutory violations I was trying to explain. For an attorney in practice since the 90's and who claims to handle high-value litigation, the firm has no website, no BBB accreditation, and zero professional polish. If you want an attorney who listens, treats clients with respect, actually values the law and makes you feel confident your case is taken seriously regardless of the value, I would suggest looking elsewhere.

    I paid Joe Garcia, DMI, $695 to write a response to a lawsuit pending towards me. I told him after…read morelooking up what was required legally, I didn't feel confident to creatieca legal response. I provided him with materials about my defense, a video, photographs, and a lengthy statement from which he could answer the questions on the lawsuit. I later found out that he merely submitted what I gave him. He did submit my response to the appropriate court and individuals involved. However he didn't write it anything more than I submitted to him and do it correctly and I receive notice from the the opposing Atty that my response was not adequate and that if I did not provide them with one which met the legal requirements and that I would lose the case. Fortunately my homeowners insurance attorney took over and submitted a legally acceptable response.. Mr. Garcia offered to secure a trust necessary in my case and offered it at additional expense of $1600. Given that the work he did for me was not accepted I do not choose to use him again. Mr. Garcia is charming and presents as caring, but as far as submitting legal documents in the state of Nevada, he is not competent. Even when told that the documents he submitted on my behalf were not accepted, he did not offer me any financial compensation for the fee I paid him.

    Nicholas Pension Consultants

    Nicholas Pension Consultants

    (69 reviews)

    I've been working with Nicholas Pension Consultants for approximately 5 years as a plan…read moreadministrator. They are knowledgeable and professional. I truly appreciate that the reps, especially our rep Jean, are highly responsive and easy to communicate with. They are great about providing direction for tasks I need to complete and always available to answer questions. We are very pleased their level of service. Additionally, their service portal is easy to navigate and accessible 24/7.

    We've been partnering with Nicholas Pension Consultants for over 8 years now, and they are one of…read morethe best third-party administrators I've ever worked with. What sets them apart is their responsiveness and deep expertise. Whether it's a complex compliance question, a last-minute 5500 filing, a plan amendment, or helping us navigate the latest DOL/IRS guidance, their team jumps in immediately and gets it right the first time. My clients and I never have to chase them down -- emails are answered in hours, not days. They've helped on multiple occasions with their proactive approach: catching potential compliance issues before they became problems, recommending plan design tweaks that reduced administrative headaches and improved participant outcomes, and handling even the messiest takeovers with grace. The fact that they genuinely understand both the advisor and the plan sponsor perspective makes collaboration seamless. In an industry where "good enough" is often the norm, Nicholas Pension Consultants consistently over-delivers. If you're an advisor or plan sponsor looking for a TPA that feels like a true extension of your team, look no further. Highly, highly recommend!

    Debt Busters - financialadvising - Updated September 2026

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