Thanks to Garrett's support, instead of constantly trying to put out financial fires, I'm now on…read moretrack to be debt free this year, have an emergency fund, and more consistently align my finances towards my fiancée's and my values and goals. For context, I first found Garrett while searching online for a finance coach, and I resonated with his optimism and supportive tone on his website. I proceeded to have an initial call with him, and just like the tone on his website, Garrett was warm and friendly. He was attentive, curious, and professional, and he showed up with structured programs combined with a willingness to adjust and be flexible for my specific circumstances. He clearly had the training, experience, and skills, and I got the sense he walked the talk, invested a lot in himself, and put in the work to live authentically. I was eager to work with Garrett, but I still had my hesitations. I was on track to go deeper and deeper into debt. Did it really make sense to hire a finance coach and add on another expense in my life? At the end of the day, I had to conclude that I needed additional support. I tried reading books, getting support from friends and family, and making changes on my own, and I wasn't getting the results I needed. It's as if I had tried to heal a broken bone on my own and then realized I really needed to hire a doctor. I had to admit that I couldn't do this with my current approaches, and Garrett had been able to help many others before me. After discussing with my fiancée, Jasjeet, we hired Garrett to support us as a couple. I'm so glad we made that decision. Garrett continued to show up consistently with the aforementioned qualities, and after only 7 sessions, I experienced the following results. - Alignment with Jasjeet on our priorities and financial plan which includes being debt free this year and having an emergency fund - New tools for successfully talking about and getting aligned about finances with Jasjeet - A shift towards feeling more empowered and steady in my relationship with money Of course, Jasjeet and I also needed to put in the work to show up to the sessions and do the work in-between sessions. So much credit for our success goes to my fiancée. As our coach, Garrett helped guide us with a listening ear, honest perspective, tools, and strategies. Thanks again, Garrett, and I'm looking forward to continuing our work together!

While I have not yet chosen to work with Garret, our initial call was fantastic. He was extremely…read morepersonable and walked me through what working with him would look like in a very transparent and non-salesy way (this is coming from someone in sales). Garret took the time to understand my situation and then outlined our his services may help. At the end of the call, rather than hard selling me, he told me it might be smart to try it on my own first and then come back if I was running into the same issues. I could not recommend him enough solely based on our intro call.

Anything dealing with Tony the closer is a scam. He is the one who introduced everybody to Eli. He…read morewas transparent at first and said it was done for your service. Then, all of a sudden I had to start notarizing things for myself. These files disappeared, and I could not upload them when I tried to do it digitally thank God I actually printed out these dispute letters.. hoping I'm getting some of my money worth by notarized and certified mail which I've been calling them to ask. Is this how it works can I send it in but if I were you, I would save your money. I feel bad for the people I told to use because I was an affiliate marketer, pointing people in their directions stay away from Eli Fix Credit and Tone the closer

Complete scam. Garbage customer service. Tried to charge me to cancel. Ended up reporting them to…read morefraud at my bank. All of these companies are scams.

I'm a fairly new dentist who's had to deal with a litany of issues regarding finances. If you're…read morefamiliar with the healthcare educational system I'm sure you know that loan repayment is just one of the big problems that new grads have to deal with. I was able to speak to one of their representatives who's been able to provide sound guidance to help me navigate through my situation. I'm looking to purchase a dental office and start my own business and The Debt Relief Company has made me feel confident and provided me with the right tools to help me get on the right track. I strongly recommend their services.

I have been working with them for a while now. They are very friendly and always helpful! My…read moreconsultant Adam is always available for help and I am very happy with how its going so far.

I have been working with The Credit Salon since 2019. When we first started credit repair my score…read morewas in the mid 500s. Within three months my score had increased almost 100 points. Eventually all my negative accounts had fallen off and I did not have to pay anything to any of the companies reporting negative accounts on my credit report. I have been able to get approved for multiple unsecured credit cards when that was never an option prior. My credit is now in good standing and reports in the low 700s. She is amazing at what she does. I encourage anyone that is looking for credit repair to contact The Credit Salon. I promise you will not be disappointed.

Great Service.. Very professional.. I'm very satisfied with the quality of service i have…read morereceived.. The credit salon doesn't just repair your credit they also educate you on how to maintain your credit once it's repaired.. I highly recommend this company!!

Mr Spivack was referred to me and I was very lucky to get this referral. I felt very comfortable…read moretalking with him and his staff, its how they made me feel. I asked lots of questions and they all were happy to answer all of my worries. Bankruptcy is not fun and it hurts to go from outstanding credit to bad credit. Mr Spivack seemed down to earth and knew his business of Bankruptcy well. He made it seem effortless working on the case, which made me feel at ease. My feelings of bankruptcy was very hard on me and my family but the law Office of Joel R. Spivack eased the pain by doing a wonderful job. Thank you all, but mostly Joel R. Spivack. Sincerely Rhonda

When I first relocated from the west coast, it was my realtor at the time, that "highly"…read morerecommended Joel Spivack as one of the BEST real estate attorneys in the area. I thankfully took her recommendation and can say, hands down that I not only find Joel to be "one of the BEST", but without hesitation, HE IS THE BEST! I have needed his expertise in several real estate contracts and conflicts of contracts since then, and he is nothing short of AMAZING. He is so skilled, articulate, clear and for me, he possess what I consider to be a very important lost art in the legal arena, PATIENCE! (I know, I live with an attorney!) ... I have learned the hard way, as good as a realtor might be, they CANNOT protect and secure me with one of my largest financial assets such as a brilliant real estate attorney such as Joel R. Spivack can. I honestly wouldn't trust anyone else. I am so very grateful for him for I feel he is a dying breed of honesty and integrity, Always Thankful, Cie Abed Cuomo

Unfortunately, a few items turned up on my credit that was unbeknownst to me. I wasn't planning on…read moreapplying for anything in the near future so I never wanted to pay the credit repair fee. I decided to visit his website while bored and I was floored to find out that the service was completely free. I still had the same credit monitoring active from the last company I used. At that point there was no risk. It was refreshing to be able to see the letters they actually send to the bureaus. All I had to do was use a third party site to mail them out. I could've also printed them. The process was a breeze and it was quick. There's no option to speak to a live rep, but this I assume helps keep the service free. The results worked for me. In all it took about 2-3 months to remove the negative items, which was perfectly fine with me. Hopefully I'll never have to use them again but I'll be spreading the word to anyone I know who might need it.

I happened to get an alert that a collections account was on my credit. I didn't recognize it at…read moreall but my score dropped quite a bit because of it. A friend of mine recommended this service and I was surprised to see that it was free (except for the credit report). The collections account was removed from experience within the first couple of weeks. It was then removed from the other two bureaus a month or so after. My score rebounded like it never happened. Sending my letters was a breeze since they recommended a service that does it for a reasonable price. I could've printed my own as well but I didn't feel like buying stamps. i'm definitely telling my friends and family about this company.

I worked for this Company from September thrpough the end of the year 2022. The Senior VP Fred…read moreLandrum is rude and ignorant and talks to employee's like they are his children. They are unstable and do not have communication between their management staff. I was hired as a collector promised a hoop of dreams which resulted in all lies. I was doing fine up until I was asked and sent accounts via email for me to put through my own collection agency skiptrace softeware to locate their clients accounts. After I complained about the garbage accounts FCS management were given me to collect things turned for the worst as far as being a hostile work environment. They monitored all my calls constantly on a day to day basis, like such as 6-7 hours a work day. They collect on out of statue accounts ranging back as far as 2009 and expect collectors to hit unreasonable goals on debts that are uncollectable with no leverage to collect since the consumer does not have to pay or settle the debt. My direct report was Chuck McNally who I had or have no issues with, but he was under the command of a jerk named Fred Landrum who took over his managerial staffs duties and talked to employees any kind of way. There bonus structured sucked and employee's who had been there for many tears were not meeting theor goals either. I don't see how the company survives on the numbers that they collect mpnthly by each employee. The benefits at the Company are the worst in any employment industry I have seen. If you like a chaotic work day this is the place to work. If you like productive working environment employment and stabilaztion I would run far away from this Company. They will fire you if you challenge them on any work tasks that you are given. Any employee should have a privilged right to share there concerns with HR , but in this case with FCS if you complain to HR Director Carla Long she will just go to the Senior Vice-President who gives a lot of insults. This company is from the pit of hell, racist, bias and a bad working environment. I have a cause of action that I am in the process of filing againt this shady illegal Company. I am so glad that I DO NOT work for this Company and regret the day I came across their ad for a collector's position. Stay far the hell away from this organization if you want respect and direction.

don't like the idea that they did not have an account number for me to put on the money order. how…read moredo I know it's going to the account they said they had. that is not professional

The one thing I can say about this company is that they don't hide behind loan advertising and get…read morestraight to the point of debt settlement, relief, restructuring programs all the same vs debt consolidation which is a actual loan. The pitch is the same , how would you like to pay less debt each month ? This company sent me a letter in the mail and I discarded it.

I joined National Debt Relief's program, making my first payment of $539 in February 2024. I made…read moremy last payment in June 2026. The payments were equal, and totaled $15,631. I originally had another debt included in the program, but since NDR had not negotiated a settlement, I pulled this one out of the program (this is mentioned because it was the largest included originally). At the time I entered the program, the amount owed to the creditors that NDR handled was $17,602. So, calculating the savings as debt at the beginning of the program that was settled by NDR minus the payments to NDR shows a net savings of $1,971. Adding to that the $38 that was in my dedicated savings account that NDR promptly refunded to me results in a total net savings of $2,009. And of course my credit is ruined, and I still have one creditor to deal with. So, was the program worth it? To me it was, even though the savings was not what I had hoped it would be. It may not be the right path for everyone, and their fees were high, but it did provide mental relief, knowing that this issue was being handled. NDR is not a scam.