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

Customer service is unable to provide any information r/t iur contract and what is being offered to…read morecreditors. I am requesting a telephone call not from customer service, but from managment as they have never been able to assist each month my husband calls for an update so that we can recieve the answers we have been asking for over 8 months.

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!!!!!!

I was drowning in debt and Pacific Associates saved me. I am so thankful to the company…read more I was young, was never educated about credit and loans and found myself in about $30,000 of credit card debt and loans. I was working, but definitely not enough to keep up with all the payments and interests that accrued, it seemed like I would never get out of debt. Then I found pacific associates, read a lot of reviews about them because of course I was skeptical. I contacted them and Roger and Shain answered every question I had. I signed up for the program and Roger was very good and prompt at answering my emails with any concerns I had. They really work with you to make sure you get out of debt. This month was my last payment and I can proudly say I am debt free and feels AMAZING!! Thank you guys so much for helping me. I would definitely recommend Pacific Associates to anyone trying to get out of debt.

After a very difficult time in my life, I was bogged down with debit and saw no light in sight. The…read moreteam at Pacific painlessly guided me to the end of the tunnel. Roger and Shain were extremely responsive and easy to work with. A+ in professionalism and the overall experience. With their help I'm back on track and able to save money again. I couldn't be more than thankful!

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,

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.

Ricardo was very knowledgeable and extremely helpful. I appreciate the program…read more Chris Murphy

All questions were answered and took the time to find out more when he didn't have all the…read moreinformation Very good

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!

I had an excellent experience with Josh from Greenlink…read more He was very informative, patient and empathetic. Most of the time when you are in a situation like this, the people on the other end assume you just mishandled your finances and got into debt (that is what I would have assumed until it happened to me), but Josh was attentive. He listened to my financial issues and said that he was not going to stop until he was able to find a resolution to my financial needs. Well he did just that and I will be forever grateful to Josh and Greenlink for your support during this financially difficult time. I would recommend Greenlink and Josh to anyone that I know struggling to stay above water because of unforeseen circumstances. Thanks again for everything. Kind Regards, A Rodriguez

A pre-screened option for a loan is received in the mail. The call went fairly well as I provided…read moreneeds and options. One of the first things I said was that I could not consider debt consolidation. Today, that's all Howard spoke about and furthermore, the FICO was some 50+ points lower than what Experian shows. He was a bit surprised that my credit limits have not been lowered. In fact, I've had a few increases AND a no-fee card with a low apr arrive. So much for pre-screened offers that provide a wish to get some needed home repairs done and bills paid.

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!!!

I'm very pleased with their response times and the dedication that Erle and his team has provided…read moreme. I felt that they truly want to help me with my problems and provide the best solution for me. Their services are highly recommended.

From the owner: We are here to provide solutions to help consumers reduce their credit card debt. With millions of…read moreAmericans suffering from over leveraged debt, we are here to help them and their families. Helping our clients through clear and transparent options is our number one priority.