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.

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.

Just started my filing, and so far Victor has been amazing and very helpful, I was very anxious to…read morestart a BK but Victor has been very communicative and I appreciate that!

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.

Daniel Inocente is an intake specialist, not an attorney. His role should be limited to gathering…read morefactual information--not providing legal advice or making representations that should come from licensed counsel. In my experience, his handling of the matter resulted in approximately $20,000 in consequences for the firm. More concerning, however, is what I observed about the firm's overall operating structure. The firm appears to function like a legal assembly line: a relatively small number of attorneys rely heavily on support staff to perform substantial portions of the work, while attorney-level oversight and execution do not appear to match what clients should reasonably expect from a law firm handling serious matters. If you are looking for sophisticated legal analysis, meticulous attorney involvement, and consistently high-level execution, I would strongly recommend evaluating your options carefully before retaining this firm. Based on my experience, the quality of the legal work and operational oversight fell substantially below the standard I expected.

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.

Life circumstances changed for me and I ended up accumulating debt that I was no longer able to…read morekeep up with. The team at Pacific Associates helped me and have continually kept me updated with my case. Shain and Roger are professional and helpful and have kept me apprised of the details with my creditors. I am so thankful to have found Pacific Associates!

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.

Sandra was extremely insightful- she does not try to upsell her services and will keep you honest…read moreon the best approach forward. She procures solutions based on your specific needs it's not a bundle and buy one size fits all type of service. Highly recommend and she knows her stuff.

Let me start my review by saying - if in doubt, don't be! Fix your credit is hands down a life line…read moreof a new life. In this economy we all are struggling to find our way. While struggle? Fix you credit can make your world a bit more simpler by rebuilding your credit to gain a lot more dollar of your hard earn money. Everyone struggles, we all make mistakes. Hardship is real, but fix your credit gives you back a chance of a new beginning. Don't stress the mess of your credit - let fix your credit get you back to YOU! Sandra and her team are beyond knowledgeable. Let their expertise help you gain what you already work so hard for. I highly recommend - you have nothing to lose but GAIN!!!!

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.

Today we were able to make changes to my future deposits to Alleviate during a financial hardship…read more I spoke with Andy who is very courteous, knowledgeable, professional, and helpful. She explained everything thoroughly and was able to get the authorization needed to skip this month's deposit and make appropriate changes to my remaining deposits. I feel a sense of relief as well as security from the action taken today via the phone call. Thank you Andy!

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

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.