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

My financial advisor recommended Sandra and Jeff to me so I can fix my credit profile. Credit is so…read moreessential to our everyday life. Within one month, my credit score has gone up 10-15 pts. In the consultation, Sandra will looked at your credit profile to tell you if she can help you or not. Fun fact: they also guide you into helping you build your business credit! Thank you, Sandra & Jeff.

OakTree Law helped me through my Chapter 13, which is a long, serious, and honestly scary process…read more They made it clear, steady, and manageable. Gus was the MVP -- responsive, patient, and great at explaining things. Julie V. M. was hands-on the entire way, which says a lot about this team. Ask questions. Communicate. This is legal stuff -- they can't read minds, but they do listen. Fast, reliable, professional. Strong like an oak tree -- exactly who you want handling serious business. Highly recommend

My experience with this law firm was short, yet stressful. I'm a young girl with debt that I so…read moredesperately want to get out of. I found OakTree and decided to take the leap and book a consultation. I ended up getting connected with Gus Gomez whom I met with in person. I was told I'd be qualified and to start the filing process I had to pay a certain amount of money up front. I ended up paying the full amount for Chapter 7 bankruptcy ($1,923) to get the process started as quickly as possible. After that, I proceeded to submit my tax returns, bank statements, and pay stubs prior to booking my "1-Hour Intake" (that only lasted 20 minutes by the way) where Gus just ends up telling me that I'm no longer qualified for Chapter 7. He told me my only options were to wait 2-3 years to file Chapter 7, try for Chapter 13 and dish out another $2,000, or back out of the bankruptcy all together. I took a day to think about it, then reached out to Gus to let him know I wanted to back out (he told me if I backed out, I would be refunded my money) because they didn't get far into the process. Never heard from him again. Ignored my calls, texts, and emails. Had my boyfriend call him as a "potential client" and Gus answered his call. This a-hole was completely dodging me. Over a week later I finally ended up getting an email from Ed Pitts agreeing to issue me a partial refund of only $1,423, charging me $500 for a phone call that was performed by a Bankruptcy Department Manager (Gus), not even an attorney. Said his services are considered "administrative duties" and that $500 is their fee for those duties. They failed to be transparent about this "fee" in my consultation and contract. I will be seeking resolution through the State Bar's Mandatory Fee Arbitration Program and filing a State Bar complaint regarding the handling of my case and the supervision of non-attorney staff. Do not recommend this place, this was not a pleasant experience would give 0 stars if Yelp allowed it.

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!!!!!!

So disappointing....my husband has been a client of Ray Montclar for many, many years, and cannot…read moreget any support from him. He has been dealing with issues with the IRS and FTB for 10 years, and has never received any response or assistance from Montclar; we can't even get a call back from him or copies of our tax returns. Find someone who cares about loyal clients and is professional. Run, don't walk!!

From the owner: Montcal and Associates is a Tax Consulting Firm which specializes in Tax Returns , IRS Debt Relief…read moreand IRS Audit Defense . My 20 year career stint with the Internal Revenue Service as an auditor and manager within the Southern California region provides me with the depth, expertise and experience in dealing with your tax obligations , audits , claims and judgements that you need to be resolved.

Bankruptcy is something that no one wants to go through. However, many people are left with no…read morechoice after mounting bills, and non stop collections calls become overwhelming. I decided to file bankruptcy because I wanted to get my finances back in order without the burden of older debts holding me back. Poor choices in the past, started catching up to me and this was the smartest option for me. So glad that I filed for CH7...and wished I did it sooner. I reached out to Lever Law and Jill Kim responded quickly. She quoted me a very reasonable price compared to other attorneys. The whole process can seem scary, but having a knowledgeable attorney helping you can ease the stress. I had my 341 meeting on 12/19/25 and Jill was there with me on the zoom call. Today I just received my Order of discharge. Almost 60days from the 341 meeting. Totally relieved and happy and recommend anyone who is considering filing for bankruptcy to use Jill Kim (or Lever Law). Give yourself peace of mind, and a fresh start!

Worked with Jill Kim and Anna, they were very helpful, kind and supportive. Quick to respond and to…read moresend reminders to ensure you follow through to make this process seamless. Appreciate their hard work!

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.

Wayne is very knowledgeable and responsive. He managed and cleaned up our FICO as if they were…read morehis. He improved our scores beyond what we need to refinance and save money. Thank you, Wayne,

Most unprofessional experiences ever!!!! RUN!!!…read more This has been one of the most unprofessional experiences I've ever had with a loan company. We were given the runaround for two weeks, and it became clear that the staff is not properly trained to handle sensitive documents or communicate with customers in a professional way. The way some of the employees spoke to us made the entire company feel questionable at best. We attempted to speak with the manager multiple times. On the one or two occasions we actually reached her, we decided to give the company another chance -- but the same unprofessional behavior continued. From day one, it has been a complete circus. If you are a licensed foster parent, be prepared for even more delays. They clearly do not understand how non-taxable income works, which is extremely concerning for a business that is supposed to understand finances. The Long Beach location specifically was a horrible experience. Maribel needs to seriously improve her management skills, and Brian and Senator need proper training in both customer service and financial processing. I will never recommend this place to anyone. This company desperately needs to retrain their staff and take customer service seriously. If I could give 0 stars we would. DO NOT GO HERE.

I was so reluctant to even try yo consolidate my CC debt but MARIBEL ALEXANDER WAS THE BEST! She…read morenot only managed to save me money, pay of debt and now i pay so little in one payment then id ever pay had i not see her! She is amazing, efficient and the best! Highly recommend this office and her! Thank ou so much maribel, your the best!

Solid company. Straightforward, responsive, and organized. They helped clean up issues and put a…read moreplan in place to get my credit where it should be.

Very happy here. Didn't trust it at first but they gave me the right moves to make and paperwork to…read morehelp my situation. My score jumped so unexpectedly high to 803. I have major respect for the owner and the way they treat the customer service. - following up every two months or less - attorney consultation for free - cheap prices(surprisingly) - helpful employees as well.

Like for real, Fernando deserves more than 5 stars. This man gives people another shot at life…read more When I came to him I have a 450ish credit score with a lot of Oops on it. Now Im more than 200 points up. I've been able to put my cars loan under my name and get credit with my bank,Kohl's , target, capital one and more. He also gave me tips on how to maintain it. I honestly can't thank him enough. He's the Goat. My next goal is a home & I know with his help, it's within reach. I brought my momma to him , she also needed help. And every time I get a report with deleted on it. I feel so happy that I was able to get someone to help her. From the bottom of my heart. Thank you so so much. God bless.

I used this company for credit repair unfortunately Fernando (owner) was a complete scam after he…read morereceived payment he would never reply to anything. For months I would never recommend sharp credit services. Look else where.

So far, this has been a complete waste of money and time. Hired Novo in January and Michael made a…read morebunch of empty promises that I would see changes in 6 months. I have yet to see anything change 8 months later. Michael is lousy with communication and comes up with plenty of excuses to let you know that he will get back to you. $600 down the drain. In regards to response: Nothing has been removed from my credit record. I pulled my record and it still looks the same. My credit score has grown through my own work on improving my score. My score isn't 700 and I didn't go to Novo with a score of 500. I started with a score of 640 and through my own work have increased it to 670. The only thing that Novo did was send out one round of dispute letters to the credit bureaus in a span of 9 months. 7/2/2024 Update: Not sure who this John guy is but he deleted any previous response comments to this post. He keeps posting and deleting responses. Just to clarify on behalf of John, this was for Novo Credit Repair.

I cannot thank Madison and Novo enough! Was referred by my loan officer and I spoke to Madison…read more They were very informative and explained everything to me and my spouse. We could not get approved for a home because of our credit and within 4 months we where able to get our credit to the 700s and got approved for a home loan. Overall this was a great experience and I would recommend no one else other than Novo.