Settle definitely helped me with my financial problems. Their program was not only easy to go…read morethrough but they provided great customers service with following up with me every step of the way. I looked at many other assistance programs and none have been as good as this. Definitely a great program and company to use if you have any debt you need to have settled. I've already told a couple of family members and friends about them!

I gave this company a very good rating because I thought they had…read morehelped me. I was very happy and then as I would look at my credit score it was going down and now every month I get a negative report. I have called the company and asked for a copy of all the accounts they said they have settled and they can't find one. I am now paying money every month to pay back a loan that they gave me and I get a $15.00 penalty because they said I was late but they take my payment out every month like clockwork. This company is not honest. I am now looking for legal help.

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.

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 communicators and very efficient and informed. Use these guys for great serviceread more

The is there processing times are slower than average it worst company I ever dealt with I even…read moredidn't even want say this but complete waste of time money it's I didn't need. Help told how to stake pay bills I don't need the constant wishy washy run around stuff like he didn't pay his bill but with his own by way business finance father to a aggressively agrees the is upon transaction of this worst management money pusher of money place I never did want involve with in first place.

After a little over a month, I decided to take a different approach, with a much better deal. I was…read moreled to believe that I could cancel at any time for a full refund. Then they tell me I only have $60 out of the $290 already paid. The caveat in that statement is a full refund of what remains in the escrow account after deducting all these hidden fees. They may or may not be skilled at their job, that I can't say, but be cautious of the full refund offered by their service if you cancel.

Like all the reviewers have said, this company & Michael Perfetti is a scammer. Found him via…read moreInstagram. No credit repair work done with zero results. Company is not even a real Corporation...

Be aware do not send him any money or Zelle . Right when I did that he blocked me on ig. When…read moreconfronted he said he was deleted lol he's not good at lying because I checked with my contacts. He's a scam just don't send him anything... be careful

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.

Requested a free consultation, and Tony was very helpful and honest during our online meeting…read more It's hard to find companies with knowledgeable individuals who can provide valuable opinion as many are like robots so it's refreshing to have someone understand your needs and try to give you their best advice. Hope to work with Tony at Crosdroads Planning for our future tax planning needs.

TL;DR: Worked with Garrett Jones at Crossroads Financial Planning for tax prep. Misquoted our taxes…read moreby nearly $4,000. Poor customer service -- impolite and dismissive. Once paid, they offered little further assistance. Significant miscommunication between staff members on essential elements of our filing. Longer version: We hired a tax preparation service to help navigate changes to our filing status after getting married. Our tax consultant, Garrett Jones, began working on our application with the wrong filing status. After correcting this error, there was poor communication regarding important changes that needed to be followed up on, which resulted in IRS notices arriving in June. When I raised my concerns with Garrett, his guidance was vague and he offered no clear timeline for resolution. Weeks later, with no progress made, I was left with the impression that once he had been paid, his investment in us as clients had ended. I spent approximately 10 hours on the phone with the IRS trying to sort out the status of our account. Throughout this process, Garrett maintained that I owed approximately $2,000 to the IRS -- when in fact I had a pending refund of approximately $2,000. In the end, we were left with a significant miscalculation, poor customer service, and no choice but to resolve everything ourselves. I'm still unclear what the fee we paid to Crossroads Financial Planning actually covered. Highly recommend taking your taxes elsewhere.

When I first met Erika I had such bad credit that I couldn't even rent an apartment even when…read moreoffering double deposit or financing a car. I thought that fixing my credit was an impossible or extremely hard thing to do. I have now been working with her over a year and I can definitely recommend her to anyone that needs help. My credit has improved greatly and I couldn't be more grateful

This is an amazing office with multiple uses. Erica has achieved her dream to have an office where…read moreshe can serve those who are in need of credit repair as well as other issues. They have a room that can be rented for people to come in to do training as well as a green room for photography. Today they were free head shots that they were opening. I feel good things are coming in the future from this building in this office. Congratulations Erica

Special thank you goes out to Fitzgerald and Campbell for their professional and empathetic ways to…read moresettle a lawsuit. My case manager, Diana, who is the assistant to Mr Campbell, negotiated a settlement offer with the other parties canceled with the days of hire. Clearly communicate communicated all necessary steps to ensure that the settlement was reached and a payment plan arranged. Definitely gives me peace of mind going forward. Thank you once again so much. I sincerely appreciate it

I contacted this firm regarding a default judgment matter and was assigned to a case manager,…read moreStanley Gibson. The initial conversation was condescending. He walked us through the obvious steps of the process as if we were slow, without actually answering the questions we asked. He followed up with a brief email containing a quote and nothing else. I emailed him my questions on July 22 and got no response. When I called to follow up, he answered by asking if I was a different client, using that person's full first and last name, rather than asking who was calling. For a firm handling people's financial information, that's a problem. When I asked about my questions, he said he didn't care, that the lawyer would answer if he answered, and hung up on me. I reported this to the manager, Joshua Rubio, who was apologetic and asked me to send my questions so the attorney could respond. Instead of answers, I eventually got a forwarded email from a senior partner declining to take my business, saying the relationship had broken down. The only thing that had broken down was that I complained about how their case manager treated me. None of my actual questions were ever answered. The quote was reasonable, but I could not get basic information before paying.