Dealing with debt can be extremely stressful and scary. Michael and his team made going through a…read moredifficult time so much better. Michael came up with thoughtful, innovative ideas to handle my situation and helped me out immeasurably. His experience and relationships working on 4000 debt cases showed. He came up with an affordable, tailored strategy that helped me out of a very tough spot. Most of all, Michael cares about his clients and it shows. I cannot recommend Michael and the Financial Counseling Center strongly enough. Highest recommendation. Good people you can trust.

Feeling financially stuck? Overwhelmed with credit card debt? High interest rate loans…read moresuffocating any progress? Insomnia? 6 months ago I was staying up all night worried about my family's financial future. I felt like I was going to have a heart attack or stroke from the stress. So, how did we get to this point? Business was affected by Covid. My wife was laid off so our income was slashed in half. Started racking up credit card debt. Paying the minimum. Then, there was the financial burden of taking care of elderly parents. I tried debt consolidation but it would take multiple years to pay down the overwhelming mountain of debt compounding like a pounding headache of misery. I felt trapped in a circle of debt, barely getting by month to month with cost of living going up. Then I met with Michael to pick his brain and discuss my options. Our best strategy was to file for chapter 7 bankruptcy. To get a fresh start. This was the best choice for us. Highly recommend talking to Michael and Tamara to just review your options. Worst case at least you will have some clarity of what solutions are out there. Michael held our hands and walked us through everything. Tamara does most of the heavy lifting. She is amazing. Much respect to Tamara's patience and diligence. She told us exactly what was necessary to file so the process was easy and smooth. I spent many hours to get all my docs in order per her request. So, dont be lazy and get your stuff in order. John is the confident lawyer. Straight shooter. Decades of experience with the trustees. Highly recommend a lawyer to file instead of trying to do it yourself. 4 months later. Discharged over $200K of debt. Now I can sleep at night like a baby. Thank you so much to FCC. I feel like I got a second chance. God bless America for having a system that allows qualified debtors to get a "fresh start". Much gratitude.

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

Great service, handling all items that they said they would. Will use again in the future if we…read moreneed it!

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.

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.

Credit can be intimidating, and I often neglected it for that very reason. However, when I…read moreconnected with Karen, she was incredibly patient and informative. What stood out the most was that they were not pushy at all. I've noticed significant improvements since I started working with them, and they genuinely care about your well-being. I've recommended Second Chance to friends and family who also felt uneasy or stuck. If you're in a similar situation, take a moment to call them. It's worth it! Thank you, Karen, Wayne, and the entire Second Chance team. You're making a positive impact in more ways than you can imagine.

I don't usually do reviews, But after the best experience with this Law firm Its a must I leave a…read morereview. Diana was great on explaining everything I needed to know. The outcome on my case exceeded my expectations. Thank you Diana for the great service. I definitely highly recommend The Fullman firm.

Topnotch firm. My wife went through some serious medical issues and had an old credit card debt…read morethat an aggressive collection agency purchased. It had gone to a judgement and then a bank levy before we were aware of the issue. The Fullman Firm settled it for less than half of the original debt. If you want an aggressive no-nonsense team of lawyers on your side The Fullman Firm are the team you want.

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!!!!!!

Before I hired this company, Mr. Chris L. gave me a call fairly quickly when I requested a free…read moreconsultation. Phone call nearly lasted an hour, explains to me his story, how everyone has slip ups with credit, how he knows how to repair credit ethically and properly. Gave me his story how he initiated his company, when I asked to proceed he asked for a $200 fee up front and after that $199 a month for 6 month contract. He also sent me documents to sign, nearly a dozen, all stating ways for him to stay covered from legal troubles and so I don't ask for a refund and it's a non refundable deposit. I was not asking for a miracle with my credit score, I was aware how I messed up my credit but I didn't know how to tackle it to get it better, Mr. Chris highly recommended not to worry that he will help me that that's why I hired him, he'll tackle these companies to try and get rid of them from my credit score, 3 months pass by and I ask for a update of how the situation is going, no response. I called and emailed his assistant Laurie, no response, when I did get a response it was for me to set up an appointment, in which I did, come to the date of? No call, no text no email. 2.5 more months passed by, I reached out again, Mr. Chris said, "I'll call you in a bit" ....... No call no text. I reached out to assistant...... no call no text no email. Come to 3 days before contract is up, $1,200 later, I ask for another update, well I never received one before but you know what i mean, Mr. Chris told me that he wants to talk to me and give me a refresh on my credit score, and discuss next steps, told him great I'm available anytime to just give me a call. Never heard from him again. In summary, did they help my credit score? No. Did they remove anything from my credit report? Yes, 2 things that were $50 each additional cost, so total price : $1,300. Before they take your money Mr. Chris is so talkative and transparent and communicative , after though? No a single word, no communication, out of the work they did, hardly any, hardly any improvement was made but that's why they send a lot of documentation for you to sign so you don't later on try and get your money back for not being satisfied.

I can't thank Kevin and his team enough for helping me through everything. I was honestly pretty…read morestressed about the whole process, but they made it way easier than I expected. From the first time I got in touch with them, I could tell Kevin really knew what he was doing. Him and his team made the whole process feel simple, stayed on top of everything, and always got back to me quickly whenever I had questions. They never talked down to me or threw a bunch of confusing legal terms at me. They just told me exactly what I needed to do and guided me through everything step by step. By the time my court meeting over Zoom came around, I felt completely prepared and it was over way faster and smoother than I expected. I highly recommend Kevin and his team at 1st California Law. They're knowledgeable, professional, responsive, and they genuinely care about helping people get a fresh start.

Great service and very very fast. Kevin is great and so is the staff. I'm so glad I went in and he…read morewas actually recommended by a friend who told me he was a great pick when they went in.

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!

Very helpful and friendly. Check in on you every now and then. Gave informative feedback and helped…read moreme get this cleaned up. Highly recommend. You won't be disappointed and a huge step to becoming debt free!

I needed someone who could talk to the credit companies to settle my accounts, and this required…read moretime and experience to find the best deal for me, and when I started working with this company, they started talking to the credit companies very quickly and He found the best deals for me and I was finally able to pay my overdue installments in the shortest time and with the best amounts. I highly recommended. Thank you Paul for your help.

Paul is very knowledgeable and friendly. Plus he was true to his word and saved me thousands…read more Thank you. Appreciate your work.

I have been working with Gary for nearly a year, and he still works with the same tenacity as day…read more1. Hire Gary!

I just received a call from Gary stating that my BK was officially discharged. After suffering a…read moredebilitating health event, I found I could no longer make my monthly payments. Gary kindly walked me through my options and made the entire process simple and easy to understand. He outlined every timeline and offered to contact and resolve any outstanding issues my creditors might have. I highly recommend Gary and his team. They were worth every penny for restoring my financial peace of mind. Thank you again, Gary! I will definitely be recommending you to others and will hopefully be contacting you to organize my Living Trust.