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    Adapt Financial Solutions

    5.0 (1 review)
    Closed 6:30 am - 7:00 pm

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    6 years ago

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    First Choice Debt Relief

    First Choice Debt Relief

    (23 reviews)

    They were amazing throughout the process always very clear and truthful about everything that was…read moregoing on program lasted the amount of time they said since the beginning and am very happy to have choose them to resolve my debt issues thank you first choice you guys are great

    Lets be honest, no one wants to be here writing a review for a debt relief company, right? But, I…read morewill be honest, I got myself into some big trouble with debt, unfortunately. I started to panic, and I did some research here on Yelp, and I landed myself in the lap of First Choice. I contacted them, and got to work on trying to figure out what to do with my situation. I wanted to avoid bankruptcy for multiple reasons, however I didnt know how I was going to make a huge payment every month to get myself out of debt. The number given to me for a monthly payment knocked the wind out of me. I had a HUGE amount of debt. I couldnt even make all of my monthly payments, what I was paying on my cards, was just being put right back on in finance charges. It was so overwhelming. I decided I had no other choice, and I went and got a second job, and eventually cancelled items like my Disneyland pass, and other items to be able to make one payment to First Choice. It hasnt been easy, but they were extremely easy to work with. They negotiated with my creditors, and as part of their program and your payment to them, you also have legal representation for advice and other items. I will leave a separate review for Veritas Legal however they were amazing to work with as well, including having me keep track of phone calls from creditors, and calling them to tell them to stop calling me, and tracking when they dont, and going after them if they violate the law and continue to call, resulting in some debt possibly being forgiven. I was offered a loan through a partner of First Choice, that I accepted. This resulted in all of my debt being settled and paid off, and I now am paying back the loan, at a slightly lower monthly payment as when I originally signed up. I have probably 3 1/2 more years to pay all of this off, but I am so grateful to have worked with them to get my life back in order. They were so very helpful from the very beginning through the very end of the loan company taking over. The only thing that caught me off guard was receiving 1099-C forms. I was not expecting this, and had to amend my tax return and am still waiting to see if I will owe money on these. That can take up to 6 months... and it sounds like if the IRS forgives the money owed, you will just not get a response from them. Very stressful and once 2020 is over, I will be happy to know where I stand on that matter. I recommend this company, just know there is a LOT of work that goes into taking care of debt, and you will have to put a lot into it, but this is the place to do it with. They will guide you every step and answer all of your questions. Good luck!!!

    Financial Relief Law Center, APC - The future is looking brighter now!

    Financial Relief Law Center, APC

    (63 reviews)

    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.

    We retained this firm for approximately a year and a half while navigating one of the most…read moredifficult financial periods of our lives. Throughout that time, we relied on their guidance regarding bankruptcy eligibility, timing, and strategy, trusting that they would help us make informed decisions about our future. Unfortunately, our experience was defined by inconsistent information, poor communication, lack of responsiveness, and a complete absence of empathy for what our family was going through. We initially worked with Amanda and followed her guidance regarding our bankruptcy options and filing timeline. Over time, we began noticing inconsistencies in the information we were receiving regarding our Chapter 7 eligibility, how my disability income would be treated, and when we could move forward with filing. When we raised concerns about the conflicting advice, communication issues, and lack of compassion surrounding our circumstances, we never received a meaningful response. Instead, our case was eventually transferred to another attorney, Rich, leaving us feeling unheard and without any accountability for the concerns we had raised. Unfortunately, once our case was transferred, the communication problems continued. Emails often went unanswered, follow-up was frequently required just to obtain basic updates, and responses were often delayed despite the urgency of our situation. We were dealing with job loss, disability, mounting financial hardship, and ultimately the loss of our home. During a time when we needed guidance and support, we often felt like just another file rather than valued clients who had been on retainer for well over a year. What is most disappointing is that after working with this firm for such an extended period of time and being in regular communication about our financial circumstances, important issues affecting our bankruptcy strategy were not addressed until it was too late. As a result, we lost the opportunity to take actions that may have allowed us to preserve more than $8,000 that would have made a significant difference for our family during an already devastating financial crisis. No attorney can guarantee a particular outcome, and we understand that bankruptcy law can be complex. However, clients deserve accurate information, consistent guidance, timely communication, accountability, and genuine concern for the impact these decisions have on their lives. In our experience, this firm failed to provide those things. After a year and a half of waiting, uncertainty, conflicting information, and feeling ignored when we expressed concerns, we cannot recommend this firm to others facing serious financial hardship.

    Guardian Litigation Group - John Greenway, Managing Partner

    Guardian Litigation Group

    (34 reviews)

    When I lost my employment, I signed up because I knew I would not be able to make my payments. I…read morethought it was the responsible thing to do. My payments are every 2 weeks - 26 payments in a year. For 3 months of the year, there would be 3 payments instead of 2. I could do it until I needed to go on disability in September. I called and asked if I could make just one payment each month. I gave them the amounts and did the basic math. Example: payments of $200 every two weeks would be $200 X 26 (weeks) = $5,200. Divide by 12 would be $433.33 each month. They said they would get back to me within 5-7 business days. When I was not called back, I called. Just before all this started, they had called and asked if I could increase my payments because of a settlement offer I would need to pay an extra $35. I had said no. When I called back, they wanted me to pay a little under $40 extra. I said no. No calls, no emails, no nothing. I sent messages, called, said I would be suspending payments. Still nothing. I called my bank and suspended the payments, well in advance. The day the payment was to come out, I got a call and an email. Too late. The excuse I kept getting was, "We don't pay by the year". No duh. Not one of the employees could do basic math.

    They took 6 cards, settled with 3 (one at a time), and after 2 years still have not settled with…read morethe other 3. Increased payout by $95/month after settling with the 3rd, and while I was informed at start this would all be paid in 3 years, that time has now been added on to with the settlement of the 3rd. Couldn't have paid them regardless, but if it takes 10 years to pay them then bankruptcy and 10 years of saving will put you in a better position than this.

    Adapt Financial Solutions - debtrelief - Updated July 2026

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