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.

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.

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.

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

Not going to lie, I was a bit frustrated and going through some personal stuff,but they handled my…read moreissue better than I originally thought. I do owe an apology for coming off a bit odd, but Sam has patience for my frustration, and was able to cut me sweat deal. Worth every dollar. Hopefully wont need them anymore, but if I do, we will be in touch

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!

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.

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

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

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.

Second Chance has helped me and the clients that I have referred in helping them purchase a home…read more They have helped tremendously with our credit in resolving the issues. I highly recommend Second Chance.

1. everything went well - I enjoy working with alieviate financial services…read more The answered all my questions. They were thorough I can't wait to call him againl

This company is an ILLUSION AND ARE THIEVES! DO NOT WORK WITH THIS COMPANY UNLESS YOU WANNA BE…read moreDEEPER IN THE HOLE WITH YOUR DEBT AND BE WORSE OFF THAN BEFORE. This company is the worst company I have ever worked with. When you sign on with the sales people at Lendvia, it all sounds amazing on paper but as you go deeper into the program, you begin to realize there is a sinister and corrupt system running at Alleviate. I paid every single payment with them for a year and a half on time twice a month. Yes, did they make settlements, sure, but when I sent over 11k to graduate early, I began to witness the games they play with their customers in order to maximize their profit as they are a business but they aren't here to help the creditors or you...just themselves and IF they can, they may help you but you'll end up doing their job because they no incentive to graduate you early even when you have more than enough money in your alleviate account because if you graduate early, they don't make as much money. After my large amount of money was sitting in my account for three months and I didn't see any movement on my settlements, I canceled my debt program. Mind you, I called the creditor they sat on for three months and the creditor was super super helpful in resolving my two last debts that alleviate couldn't accomplish in three months. When you call Alleviate, you get dragged around in circles and zero accountability while talking to people who sound like idiots and robots and have no clue what they are talking about and read scripted responses based on what you say. If you are with them, make sure everything is in writing otherwise n they will play games with you even more. I can guarantee some idiot at Alleviate will respond to my review but DO NOT Fall for their lies and evil sales tactics. They DO NOT care for you and THEY ARE NOT here for you. This company is in multiple lawsuits for violating laws -- google it and you will see. I'm lucky I had the ability to get out of my agreement with them and leave this all behind me without legal trouble due the me hustling my ass off to reclaim my life but many become farther in their debts to the point of serious legal troubles/bankruptcy. They claim they are saving you money but if you look at how much they take out in fees, you are better off making agreements with the creditors yourselves and not getting yourself in a worse position. F U ALLEVIATE YOU ARCHONTIC, DEMONIC THIEVES. May all energy you steal from people be returned back to the people and you face your universal crimes.

Update on my review Optima Tax Relief they did get back to me we're going to try work things out…read morewith Optima Tax Relief. I appreciate them getting in touch with me with this matter. Thank you Jessica Jacksons for handle my concerns. I am posting 3 star to see if things work out with them.

Optima tax relief is a fraud!!! My wife and I were in need of help concerning our taxes due to our…read moreaccumulated tax debt so we contacted Optima. We paid them 700 a month for 10 months ($7000). We started this process in 2023 it is now 2026. We now owe the IRS over $100,000 because they did absolutely nothing but mislead us. After receiving letters in reference to Levies against our wages and a lien on our house my wife contacted the IRS just to find out that they saw absolutely nothing from Optima on our behalf which made it look as though we were negligent on our behalf and just didn't pay our taxes when Optima Tax Relief neglected and fraudulently took our money and did nothing with the information that my wife supplied them with!!! We asked for our $7000 to be refunded back to us.. they offered 2,000 back while we are yet still facing Liens and levies in the very near future. The reps there are now giving us the run around promising us phone meetings to negotiate a refund such as today 6/29/26 at 2pm to no avail. My wife sent an email to confirm the meeting after there was no call from Optima. We are now being ignored by this fraudulent company. My wife notified BBB and we are now moving to litigation in the very near future as well as alerting the media to inform them and others of their predatory practices. DO NOT USE THIS COMPANY!!! CUSTOMER SERVICE IS VERY DISRESPECTFUL, INCONSISTENT, DECEPTIVE and NON SYMPATHETIC WITH THEIR CLIENTS!!! The radio advertisements are leading and FALSE!!!

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.