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    CF Consulting

    5.0 (1 review)
    Closed 11:00 am - 7:00 pm

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    3 years ago

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    Pacific Debt

    Pacific Debt

    (10 reviews)

    Downtown

    These guys are a total scam like the rest and take advantage of people at their most vulnerable…read moretimes. I was contacted by Julia Quirke and she was great at first, it seemed like I was going to be well taken care of, she communicated quite often was very detailed in the process. But her only duty is to lure you into the program, and of course it's never what it seems. If it's too good to be true don't do it. Nothing she said has happened. Liar and a scammer. Once you're in they spread thin their account managers and no one really contacts you or educates you. I heard from them when I had to sign a settlement, that's about it. Maybe 1-2 emails from a supposed account manager. They don't say what their doing, how they settled , what's the plan. Of course you have to read the fine print that they PAY THEMSELVES FIRST their fee before paying your actual debt. So of the 20 plus K that has been taken out of my checking account, over half has been given to them before the debtors. That's what they don't state clearly. I'm an educated woman I should have been smarter in really reading the fine print, calling more and asking more questions. They've only settled 3/8 of my accounts in over a year. I asked if I decided to opt out could I just pay the settlement fees for the 3 accounts they settled. They told me I still have to pay 18percent of my total debt to them even if I negotiate my own accounts, because they told me to stop paying and told me to send my letters and statements to them ?!?!?!?!?!? They tell me I could help by making larger payments so they can negotiate my other accounts. I'm barely able to give the $2300 they are asking a month. I sometimes don't have enough money for groceries. I work 3 jobs, suffered a separation, am a single mother to two little kids. I don't want to lose my beautiful home so I work my ass off, I barely sleep sometimes I work 36 hours straight from one job to the next. They have received 15 thousands dollars already so far !!!! And they want to get 18 percent of what I owe because they told me to stop making payments. They don't tell you how to negotiate, they didn't give me any real knowledge or education. I read a couple books and I just wish I read them sooner. SCAM!! I'm currently talking to a lawyer. Please don't go with these companies. Julia Quirke you seem like a nice lady, but you are a scammer. Mia Rocelle, you are terrible at your job. I don't even remember my negotiators name she only contacted me so I could sign right away, but she was dry had little to say. No one cares. There are books out there that tell you how to settle your debts. Educate yourself and don't give your hard earned money to these companies. Crush Debt Now by Tom Cromwell Negotiate and Settle your debts by Mandy Akridge I will feel better if I saved someone from going into these programs. I wouldn't have written this review if they told me no you don't have to pay us for the accounts we haven't settled. I can take accountability, this is my debt, they did help with those 3 accounts, and have been paid substantially already, I was willing to owe them what else was left even after I left for those accounts they helped me. No they still want 18 percent of everything even if they don't do anything because they told me to stop paying. Greedy, unethical, and especially right now where everyone is struggling.

    Well there is good and bad. Good news is it wasn't going to be financially wise to go through with…read morethis. BAD news is even after I was told I was canceled they still charged me making my account negative. Twice they tried to charge me twice I was given a NSF fee of $36 total $72. They are refusing to pay the fee they made me aquire! And it was a bit of a wrestling match to get back all the fees they charge to do this. And I only got them to agree to refund (but not yet received) this fees because I explained had I been sent the requested documents I asked for not once not twice BUT 3X we never would have got to the point of these fees being paid for they wanted to pay off debt that is about to fall off my credit anyway. Also pay off credit cards I'm still in good standings with. I was debited $479 twice (total of $958) so far I have got Back $898.05 so they did refund me just didn't refund me what they took. And refusing to pay for the fees they caused me. Attached are screen shots of the email saying they will refund the fees then another where there giving excuses why they can't refund the fees. You be the judge. Probably a decent place if you go through with it but if you want any kind of refund be ready for battle

    CF Consulting - debtrelief - Updated May 2026

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