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    CountryWide Debt Relief

    4.1 (50 reviews)
    Open 7:00 am - 6:00 pm

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    For all current clients of CountryWide Debt Relief (CWDR), please take note of actions I recommend you undertake. For all pending or future clients of CWDR, please read carefully and heed my warning. I recently terminated by agreement/contract with CWDR for the following reasons: In June 2023, I enrolled 6 creditor accounts with CWDR with the logical understanding that my initial deposit and subsequent monthly payments would activate the services of CWDR in terms of managing and paying down the account balances of the enrolled 6 creditor accounts. Fast forward to July 2024 (12 months months later) and the following is factually documented by CWDR, Global Holdings (CWDR's trust company), and Citibank (my bank): I paid a total of $3,032 to CWDR/Global Holdings; CWDR deducted $1,886 for service fees; Global Holdings deducted $244 for service fees; and CWDR/Global Holdings paid $900 to a single creditor out of the 6 enrolled (resulting in a $900 balance still due to this single creditor). In other words: After 1 year, CWDR managed and made payments to only 1 creditor account out of the 6 enrolled. After 1 year, I paid a total of $2,130 to CWDR/Global to pay off $900 of debt to a single creditor! $2,130 + $900 = $3,032 I paid to CWDR/Global. Exactly 70% of my total payments to CWDR/Global were deducted for service fees and 30% went to reducing my debt! Important questions: Is this debt relief? No! Is this debt reduction? No! Is this debt enhancement? Yes! Is it illegal business activity? Read onward. Regarding the CWDR Debt Resolution Service Agreement/Contract that each current and past client signed, it is a lengthy 41 page document, and it is rather obtuse by way of detail. We each know that CWDR did not force us to sign this agreement, but I am confident that each one of us signed this agreement for the purpose of debt resolution/reduction, not debt enhancement. (The reason I call it debt enhancement is that it is factually clear that I incurred $2,130 of new debt to pay off $900 of old debt). There is no need for me to get into the details of our signed agreement/contracts because it will need to be examined by lawyers in the context of my circumstance, which is very likely the same circumstance for hundreds of current and past CWDR clients. With respect to my previous rhetorical question of "Is it illegal business activity?", I pose the following questions: 1-Have any of you automatically received a monthly statement via mail/e-mail from CWDR/Global detailing your monthly account activity and balances? 2-Upon signing your agreement/contract, did CWDR automatically provide instructions to you about how you can access your monthly statements? 3-If and when you were able to access/view/download your monthly statements via CWDR/Global Holdings, did you notice data columns that were titled CREDITOR ACCT. 1234 and CREDITOR ACCT. XXXX (creditor = name of your enrolled creditor; acct. xxxx = any four numbers) with debits/deductions underneath? For #1-2, my answer is No, Never. I had to inquire/ask after 5 months of making payments. For #3, it is logical for one to understand that the debits/deductions were being paid into a trust for future payment to that specific creditor. However, the fact is that these debits/deductions were being paid as service fees to CWDR. See the attached Table I created for my circumstance. See the Totals of $2,130 and $900 at the bottom. Additionally, see the attached CWDR Year-To-Date (12 months) Statement. The dollar amounts on the Statement match the Table. On the Statement, notice the Descriptors used, several of which are misleading or inaccurate. BOTTOM LINE: CWDR is simply dealing with your enrolled creditor accounts on a one-by-one basis and earning substantial monthly services fees (in total) from a prolonged process. In my case, the single creditor that CWDR supposedly spent one year "managing" had offered the same settlement offer to me that CWDR states they secured. In other words, I could have paid the settlement offer and saved $2,130. IF YOU ARE A CURRENT CWDR CLIENT, PLEASE ANALYZE YOUR STATEMENTS IN A MANNER SIMILAR TO WHAT I'VE DONE. IF YOU ARE A CURRENT/PAST CWDR CLIENT WHO HAS EXPERIENCED SIMILAR CIRCUMSTANCES, PLEASE REPLY TO THIS POSTING SO THAT WE CAN FURTHER COMMUNICATE. On a Final Note, I already know how CWDR will respond to this posting. They will cite the lengthy 41 page document that I signed and state that the single creditor I mention had filed a court hearing against me. Both statements are true as statements, but they do not legitimize or corroborate the resulting financial circumstances that in effect became unwarranted debt to me and illegitimate revenue to CWDR.

    Harry

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    7 years ago

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    2 months ago

    shady sales tactics. they say you will pay less but in fact you pay because of the fees which are also predatory. DO NOT go through them.

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    7 months ago

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    2 years ago

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    2 years ago

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    1 year ago

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    2 years ago

    I had such a great experience here. They were very professional and what they did for me changed my life. Thank you

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    2 years ago

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    2 years ago

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    2 years ago

    Countrywide helped me every step of the way. I am so thankful for their help and I'm so thankful to finally be debt free.

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    4 years ago

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    4 years ago

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    5 years ago

    Country wide is the best debt consolidation...they helped me out get from debt. Thank you country wide.

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    5 years ago

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    11 years ago

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    7 years ago

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    8 years ago

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    13 years ago

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    10 years ago

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    Page 1 of 2

    Ask the Community - CountryWide Debt Relief

    Review Highlights - CountryWide Debt Relief

    He is a true asset to CW Debt Relief.

    Mentioned in 2 reviews

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    First Choice Debt Relief

    First Choice Debt Relief

    (24 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!!!

    The Fullman Firm - Debt Defense Lawyers Ready To Help

    The Fullman Firm

    (191 reviews)

    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.

    I had a very good experience with Fullman Law Firm while dealing with a case involving Jefferson…read moreCapital. Bryon Roca was professional, attentive, and took the time to understand my situation. The team was very helpful in reviewing my case and assisting me through the process. They communicated clearly and helped me resolve the situation, which I truly appreciate. I'm grateful for their professionalism and support, and I would definitely recommend Fullman Law Firm to anyone who needs legal assistance.

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

    Financial Relief Law Center, APC

    (64 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.

    Being in severe financial crisis is one of the most stressful things a person can endure, and…read morecoming to a decision about what specific action to take moving forward, and who to trust to help you make the decision makes the situation even more difficult. If you're reading this review looking for answers to help you with your own financial crisis, look no further: The people at Financial Relief Law Center in Irvine are great listeners, are understanding and empathetic, and have a team with vast knowledge of the legal system and will handle your case dutifully and professionally. In my own particular circumstances, Victor Ugarte gave me not one but two free consultations, helped me understand the situation I was in with greater depth, and provided me with the most sensible option moving forward, which in my case was a Chapter 7 Bankruptcy. The cost was reasonable and affordable, and the process required no in-person meetings. Victor remained accessible throughout the process as did my assigned attorney, Richard Sturdevant, who kept me informed and up-to-date through each step of the process, alleviating my stress and anxiety about my situation. Now, with my case virtually complete, I can look forward to my financial future with clarity, optimism and hope, thanks to Victor's and Richard's help. In concluding, I give the Financial Relief Law Center my highest possible recommendation. Make a fresh start now by giving them a call!

    Guardian Litigation Group - John Greenway, Managing Partner

    Guardian Litigation Group

    (33 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.

    Signed up in August 2025. Started out okay but has gone downhill since then. 10 various debts…read more Previously scammed out of $$$$ which left me in a terrible financial situation. 73 years old, retired, limited SSA & small retirement. Only settled 3 of the debts. One has 24 payments remaining, one other has 3 payments remaining. Was paying funds to Forth for payments, fees were outrageous...finally cancelled them out and will be filing for bankruptcy as that is my only alternative. DON'T WASTE YOUR TIME OR MONEY.

    Speedy Credit Repair - Speedy Credit Repair Inc.

    Speedy Credit Repair

    (100 reviews)

    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!!!!!!

    CountryWide Debt Relief - debtrelief - Updated May 2026

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