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!!!