Dealing with debt can be extremely stressful and scary. Michael and his team made going through a…read moredifficult time so much better. Michael came up with thoughtful, innovative ideas to handle my situation and helped me out immeasurably. His experience and relationships working on 4000 debt cases showed. He came up with an affordable, tailored strategy that helped me out of a very tough spot. Most of all, Michael cares about his clients and it shows. I cannot recommend Michael and the Financial Counseling Center strongly enough. Highest recommendation. Good people you can trust.

Feeling financially stuck? Overwhelmed with credit card debt? High interest rate loans…read moresuffocating any progress? Insomnia? 6 months ago I was staying up all night worried about my family's financial future. I felt like I was going to have a heart attack or stroke from the stress. So, how did we get to this point? Business was affected by Covid. My wife was laid off so our income was slashed in half. Started racking up credit card debt. Paying the minimum. Then, there was the financial burden of taking care of elderly parents. I tried debt consolidation but it would take multiple years to pay down the overwhelming mountain of debt compounding like a pounding headache of misery. I felt trapped in a circle of debt, barely getting by month to month with cost of living going up. Then I met with Michael to pick his brain and discuss my options. Our best strategy was to file for chapter 7 bankruptcy. To get a fresh start. This was the best choice for us. Highly recommend talking to Michael and Tamara to just review your options. Worst case at least you will have some clarity of what solutions are out there. Michael held our hands and walked us through everything. Tamara does most of the heavy lifting. She is amazing. Much respect to Tamara's patience and diligence. She told us exactly what was necessary to file so the process was easy and smooth. I spent many hours to get all my docs in order per her request. So, dont be lazy and get your stuff in order. John is the confident lawyer. Straight shooter. Decades of experience with the trustees. Highly recommend a lawyer to file instead of trying to do it yourself. 4 months later. Discharged over $200K of debt. Now I can sleep at night like a baby. Thank you so much to FCC. I feel like I got a second chance. God bless America for having a system that allows qualified debtors to get a "fresh start". Much gratitude.

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.

I can't say enough good things about Eliza Ghanooni. Going through a Chapter 7 bankruptcy is one of…read morethe most stressful experiences a person can face, and Eliza made every step of it manageable. From our very first conversation, she took the time to explain the process clearly -- in plain language, not legal jargon -- so I always knew exactly where I stood and what to expect next. She was incredibly responsive throughout, returning calls and messages promptly and making me feel like a priority, not just a case number. Most importantly, her patience and genuine care never wavered, even when I had questions or needed things explained more than once. Thanks to her guidance, my discharge was granted, and I can finally move forward with a clean slate. If you're navigating bankruptcy and need someone who combines real expertise with true compassion, look no further. Eliza is the real deal.

Eliza was very helpful in helping resolve our business matter beyond our expectations. She…read moreaddressed any issues that arose and ensured our case was handled professionally. Definitely would recommend.

First of all I found Sanaz Law Firm on line and picked up the phone and end up talking to Chris. I…read moreinstantly knew I made a right decision. From there on I was communicating with Sanaz thru him. I have to say Chris held my hand all the way thru this process. I am deeply grateful for finding such a compassionate human been. I wasn't in good place but they made me believe that I will make it thru this. Thank you Chris and Sanaz for pushing me through!!! I highly recommend Sanaz Bereliani Low Firm because working with them was pleasant and they deliver every time!!!

I am so grateful I was referred to Sanaz Bereliani. This review is a year overdue because I was in…read morethe Eaton Fire...but I gotta make the time to give thanks before the year is up!!! From the start, Sanaz assessed my situation and addressed my concerns. Once she determined my case could stand on solid ground, she gave me clear directives on what to do and what not to do. I followed these and I felt empowered. Next, I went to work with Chris Ugarteche to prepare my paperwork. I initially filled some of the paperwork out incorrectly and Chris immediately caught this and gave me guidance. Chris has incredible patience, communication, and he knows his stuff inside out. He saw me through this novel experience with empathy. When I appeared before the judge via Zoom, I was at peace knowing that all the i's were dotted and all the t's were crossed. My case was resolved seamlessly. I only wish I had done it sooner. Sanaz's practice is busy. There were some days where I craved an update so I proactively emailed. Sanaz and Chris always responded to me quickly. I could not ask for more. Thank you Sanaz and Chris for the meaningful and life-changing work you so expertly do!

I had a great experience working with my attorney. She was professional, responsive, and truly…read moresupportive throughout the entire process. She made everything clear and helped me feel confident every step of the way. I really appreciate all of her hard work and would definitely recommend her to anyone in need of legal help.

Jasmine is a great bankruptcy attorney if you are looking for someone to educate you and walk you…read morethrough your difficult decision of getting rid of your debt through bankruptcy. She is strait forward with communication, also will walk you through the process and hold your hand every step of the way. Jasmine is very responsive if you have questions and gives you the confidence and comfort to ask those questions. She is a pleasure to work with and is very attentive to your case, I highly recommend her if you are looking for a bankruptcy attorney to help you through your tough financial times. She understands the importance and delivers a fresh start with a clean financial slate so you can rebuild your life! I recommend her highly to everyone.

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!!!!!!

Topnotch firm. My wife went through some serious medical issues and had an old credit card debt…read morethat an aggressive collection agency purchased. It had gone to a judgement and then a bank levy before we were aware of the issue. The Fullman Firm settled it for less than half of the original debt. If you want an aggressive no-nonsense team of lawyers on your side The Fullman Firm are the team you want.

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.

Had the pleasure of Alfred doing our business taxes and he was quick, efficient and trustworthy. We…read morefound our CPA! Ps The coffee was delish!

I worked with The Agency, LLC for tax preparation services over the past two years and communicated…read moredirectly with, the owner. I paid funds that were intended to be remitted to the California Franchise Tax Board (FTB), and I received written confirmation from Alfred acknowledging receipt of that payment (which I documented via screenshot). Weeks later, I began receiving past-due notices from the FTB stating that no payment had been applied. After contacting the FTB directly, they confirmed they had no record of payment. Despite my documented proof that the funds were received, I was given repeated assurances from Alfred and team over several months that the issue was being handled, yet I was never provided a claim reference number or documentation confirming that payment had been made despot me asking multiple times. As the FTB deadline approached, Alfred told me my funds would be sent "Thursday or Friday," even though the deadline was that Saturday, leaving virtually no margin for error. When that deadline arrived, Alfred sent an email citing a family emergency along with an unsolicited photo showing a bleeding head injury as reason he couldn't send my requested funds back. I found this inappropriate and unrelated to resolving a business matter involving tax funds and a state deadline. Ultimately, it was only after I clearly stated I would proceed with legal action and formal reporting that the funds were finally returned, allowing me to pay the FTB directly and avoid further penalties. It should not require this level of escalation to resolve a tax payment issue. Alfred is very charismatic, which initially builds trust. However, based on my experience, I strongly encourage anyone considering this firm to reconsider. Note: I was repeatedly referred to as a "VIP client," which created an expectation of professionalism and priority handling that was not reflected in how this matter was ultimately addressed This situation was prolonged, unnecessarily stressful, and avoidable.

Vahagn was awesome. I had about 20k in credit card debt that I was looking to settle. Overall, we…read morewere able to get it done just south of 40% of total debt amount. Vahagn was great, we ended up getting the job done at the end of the day and that's what matters. Beware of Lexington Law tho, if you're trying to repair credit. Them boys is no good. Get yourself a secured credit line open at a couple credit unions, that'll do wonders. Just my experience. Score it back around a 650 after it was south of 550 this time last year. As always, the progress feels good. If you're looking to get your debt settled for a fraction of the amount, Agahva Consulting is your go to people. Go for it!

I have been working with Agahva Consulting since early 2013. My opinion on Vahagn and his work is…read morenothing short of outstanding. He looks to educate you, give you all possible and beneficial options (without pushing you to do something which will not be to your advantage) and finally takes care of all the logistics. Most importantly he was very honest and patient while communicating with me. I am truly glad to have met Vahagn and worked through Agahva Consulting as the opportunity has been able to set a plan towards paying my debt off and doing it in the most efficient manner. Anyone who is interested in getting their debt issues resolved and/or just get educated on financial matters should make the time to sit down and talk to Vahagn, he will prove to be very professional as a business owner and likable as a person as well. Thanks Vahagn for all you do!