I've had the pleasure of working with Garrett for about a year now, and it has truly been an…read moreincredible experience. I approached Garrett in late 2020 after a tumultuous previous 12 months. I had been laid off due to COVID and simultaneously incurred an enormous sum of medical bills on top of my typical monthly expenses. Naturally, I waited until things hit rock bottom before seeking help, but I'm so fortunate to have come across Garrett. He has the innate ability to show empathy but is also a straight shooter because he doesn't sugarcoat things. Rather than emphasizing the mess I was in, he quickly provided a bevy of solutions that we tackled in tandem one by one. It was an emotional rollercoaster, and I often joked that I should be giving Garrett a co-pay since he acted as a therapist throughout the process. Fast forward to the present day, and I've done a complete 180 financially, professionally, personally, and all of this has contributed to a happier life. I honestly couldn't have reached this point without Garrett's kindness, expertise, and can-do attitude. I look forward to continuing my growth with Garrett and recommend him to anyone looking to hone their budgeting and financial planning skills.

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!

Let me preface this by saying that I am skeptical about companies that offer to repair credit as…read moreI've had unsuccessful experiences in the past. After being out of work for some time and having my credit take a huge hit, I came across SCA (Secure Credit Advisors). They were professional from jump. I never felt pressured to sign up with them nor were there any sales tactics used. It was a "this is what we can offer you" and you can either take it or leave it. Although skeptical, I signed up but I was surprisingly amazed as I started seeing results. The staff always kept me in the loop and were always accessible during their business hours if I had questions. They not only have helped repair my credit (which is still a work in progress) but they also educate you on the different types of credit and how it can affect you. I knew they were the real deal when they offer in writing a money back guarantee on their services! I would recommend them to anyone in need of assistance. What do you have to loose? :-)

Being a student and only in my 20's, I didn't know too much about credit and how it really worked…read more Aman at Secure credit advisors took a look at my credit history and score, and helped me take care of the problems I had on my report as well as give me an in depth guide and explanation of what I needed to do to achieve an excellent credit score. They are reliable and give you updates on how the work is going, plus the 100% money back guarantee isn't a bad thing either :)

Howard asked my wife and me to request our free credit reports from the credit agencies and bring…read morethose reports with us to our first meeting. He went over them with us to explain what we did well, what impacts our credit score negatively, and what we can do to bump our score up in a short amount of time. He was helpful and professional; we recommended him to all of our friends who are thinking of purchasing a home in the future.

Unlike most credit repair companies Howard actually meets with you, cares about your life and how…read morecredit is affecting it, and is highly qualified, brilliant and extremely effective! He's the BEST...if you need help or advice on your credit CALL HIM!! He'll change your life for the positive, no doubt!

I joined with them around 2017, when my credit score was like 550 or something. By 2018, they got…read moremy score up to 700-740! I couldn't believe it! They did it by systematically and skillfully removing bad marks off my reports from the 3 bureaus. I don't really know the inner workings of exactly how they did it - but, important thing is that they EFFFIN DID IT!! Now, I can rent a decent place or get certain types of loans (but, not all - not yet). But, I'm happy. Frankly, it just feels good knowing I have good credit - ya know!? I gave them my case to work on, because I had a good intuition about Elly and Gloria; that they could do something, online companies can't. They have 'street smarts' or 'money smarts' - I mean, hey - they're Jewish (Stereotype: Jews good with money)! They answered my calls, like 80-90 percent of the time. I had given over a thousand bucks to an online co and they did very little, over a year.

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

I left this original post for Legal Dynamics, but I am compelled to post under We the People, as…read morewell. This company referred LD to me and needs to be held accountable. After I called to complain yesterday about LD, We the People, according to Sharon, contacted Legal Dynamics to sort of give them a heads up. This is not ACCEPTABLE. This is bullying. BEWARE.. RUN AWAY. This is a SCAM. This business was referred to me by We the People, of Yonkers New York. My experience with We the People was incredible and the costumer service was even better. Always answered my calls, returned my calls and corresponded with me via email through the whole process. I hired/retained this company in October of 2017 and made my additional payment of $595 for an Addendum on October 25, 2017. After submitting my paperwork from my divorce I thought I was beginning my QDRO process. I have never been divorced so not having gone through any of this I was extremely naive and vulnerable. Let me begin, this company does NOT takes your calls, whatsoever, they do not have a corporate email account nor do they wish too.(I was told my Sharon, Lawyers do not email.) I did email several times to the new.client email to see when my paperwork could be started. No response ever. I have only spoken with Admin, Sharon Williams and Julie a minimal amount of time and only because I kept calling to receive some answers. June 4, 2019 -- After 7 months of no word from QDRO, I called yesterday multiple times, and I was told the number I was calling from was put on the list for calling too much. It has been flagged. Julie then proceed to tell me "the place I am calling is filled with very educated people with many years of education under their belt and that I maybe did not understand what they were doing there. Judges were always on the phone. I told her I have many years of education as well, with a Bachelor and Master's degree. Julie then proceeded to tell me that is why I am so difficult it is typically the educated ones that make such a fuss?????" Contradiction upon Contradiction. Yesterday, June 4 was the first and only email I have ever received from Admin, Sharon Williams or any email since my initial process and payment was taken. After a very rude, personal insulting phone call on all levels. I was told by Sharon Williams that I was" stupid, a stupid woman, and that I should never be married again. " I cannot pick men" She went on to tell me the jurisdiction of my case had expired after a year, which was November 14. I started the process with QDRO in October, so the paperwork should have been backed dated and this company should have fought for me and been my advocate. I was very upset and told her I had read very negatives reviews on Yelp and should have read them before I hired this firm. SHARON WILLIAMS, then went on to tell me, "since you like to read reviews and leave voicemails that by bosses can hear, you (me) are now going to go on Yelp and write an incredible review for my company before I even decide to take your case on for the additional work, the fee for this additional paperwork is $1500 (on top of my already $2000 paid) if you leave a good enough review and IF I feel I want to be your advocate, I will drop the price down by $300." But call me tomorrow and I will see how I feel." I hung up. She also went on to assume I got divorced to just proceed with the QDRP paperwork. Let me say how unbelievable her words were. Granted I am sure people do all sorts of things, but I am engaged to be married and my ex-husband is in a very serious relationship as well. Not to mention we were separated long before the divorce became final. But how is this any of her business? Sharon Williams also proceeded to tell me, We the People, Claims department called her to inform of her my complaint to them of QDRO. I said yes, I am allowed to not be happy with the services or lack there of, I am receiving. She screamed and yelled at me and told me how dare I do that and now, I have agitated her and she is unsure if she wants to be my advocate, and how only people like me leave bad reviews. This firm is a scam, I believe she intentionally waited the day after my one year anniversary and used stalling tactics to now want to charge me an erroneous fee of $1500 and so kindly take off $300 if I leave a good review on Yelp. THIS IS blackmail!!!!!!!!!!! I asked Sharon to put it in an email to me, put it in writing, she said NO. Then why would I leave a review without services rendered I asked her. For some odd reason, it also bothered her that my ex husband and myself were on very good terms and wish to keep things amicable for our children. He was also on board in with helping. Why is it wrong I had his cooperation? I do not even know where to begin with this company, I am out $2000 dollars, this woman had me in tears she was so abusive over the phone. Where am I now left standing? What happens now? Whom do I contact?

This place is the most incompetent place ever. It is a one man show where your legal documents are…read morehandled haphazardly. Do not go to this place if you are serious about getting anything done. Save yourself the hassle and RUN in the other direction!

I had an excellent experience working with Dino, from The Debt Relief Company. He honestly cared…read moreabout my outcome and put my worries to rest. I truly appreciate his patience and support. He was highly knowledgeable and competent.

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.

In the course of my week as a doctor I meet and speak with a 100+ patients from all walks of…read morelife. Unfortunately some of my most elderly patients find themselves in financial distress and under a burden of debt , either from the loss of a loved one or illness. This is unfortunately becoming a more common story. I have referred several of these patients to the professionals at JXD Financial and they are uniquely trained and familiar with these situations of the elder population. In addition it goes without saying that taking care of this population of client takes a certain touch and knowledge base that only the most caring of individuals can deliver, the Team at JXD Financial....They deliver!

These guys deserve way... more than just 5 stars!!! While I'm not anti-social, I also don't just…read moregive out "kudos" to people. Call it being a Marine thing, or just me in general. Point being, Wow!!!, these guys are very impressive. I ran into these guys by pure luck, while taking a break at work. They knew of my military background and were just genuinely interested and appreciative of my military service, and one conversation led to the next. I told them of my financial struggles, and how tired I was of looking for help and just got the run-a-round and/or that feeling that there were a lot of strings attached with every company (even those that supposedly focus on "helping" Veterans). They told me that they "might" be able to help. So never promised me anything, took a look at my debts, told me of every single part of their program so I could see if it would be a good fit for me. There was no pitching or selling, they told me all of the pro's and con's of the program. Well longer story short, I went from paying over 3K a month for debts that were going to take me at minimum a little over 12 years to pay off, to now paying via their program a little less than $700 a month in a 46 month no interest locked-in rate program. I'm not a math genius, but paying all of my debt while paying literally thousands less in A LOT less time (like literally cutting off about a decade of payments) is well worth not being able to open up any new line of credit accounts throughout the program. Yep, that's the negative part. Not being able to get more credit cards or lines of credit, literally the same thing(s) that got me into all of this debt to begin with. Wait, now that I think about it, even that isn't even a "con" when considering the pro's and con's. I don't do many reviews, but definitely had to give these guys a "shout-out". Thank you for everything. I hope others that were in my initial situation can also see how genuine and how if they (those needing the help) want to, they (JXD) can help them. If they (those needing the help) are serious about getting out of debt these guys can truly help. JXD Financial are DEFINITELY, Marine approved!!! Oohrah!!! - Eugene Oliva, U.S. Marine Corps, Sergeant, Post-9/11 Service-Disabled Honorably Discharged Veteran

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.

Thanks so much reduced costs now for helping to lower my bills. As a senior, I recently got a call…read morefrom AARP telling me that they can get me really competitive rates on my car and home insurance. I told them what I was paying currently, my premiums having been lowered by reduced costs. When I told them the costs of my premiums now, they actually said, "Whoa, how did you get such fantastic rates? We frankly, can't offer you anything better than that." I would not reveal my secret, but I have you guys to thank!

From the owner: We have a 100% satisfaction guarantee and we only charge our clients a fraction of the amount saved…read morewhile we do 99% of the work to make it a stress free process. Car Insurance, credit repair, property tax reduction/grievances, and many other services that we offer! 100% rating on Google.