Valerie and Usa vs Debt has handled my debt situation for many years after two divorces and…read morevoluminous attorney credit card debt. She was extremely helpful in reducing my overall debt to a small percentage of the total. She is well regarded by many who are in serious debt and I give her my full support and praise. Chuck Smith

From the owner: Debt Settlement…read more Here's what USA VS DEBT can do for you: * Settle your debts for 40% -45% of what you owe in most cases * Lower your monthly payments * Settle your debt in 36 months or less * You choose a payment that fits YOUR budget; not theirs' All of our consultations are free of charge and you are under no obligation for a free analysis. As you are aware, this is a time-sensitive issue and the interest on your debt compounds daily. Please contact USAvsDEBT today at 800.648.5771 to discuss any questions or concerns you may have to resolve your debt.

The female customer service representative was very helpful and sent me what I requested. Thanksread more

I haven't seen any activity in contacting my credit card company's…read more I am receiving constant phone calls from them and collection letters. Is anything going to be done about this?

Scam! I received a letter from this place to contact their offices, so I can settled credit…read moreaccounts. Well let me tell you that I don't have any of the credit cards mentioned and they won't stop sending letters. So, Please be ware if you get any mail from this company.

Short comment: SCAM!!! Details: I got a mail from this…read morecompany saying that they recently settled accounts with Chase, CIti, BOA, Discover, Capitol One, HSBC, GE, Target and Wells Fargo, and asked if I have accouts with these lenders and will settle mine as well. However, I only have one credit card with the listed, and the balance has been ZERO for a long time. Also, all the approaches they provided were all that I can do myself. I would say that I got a scam letter from them.

Update: When you give them a bad review, they start harassing you…read more.. We are now receiving MULTIPLE LETTERS A WEEK. Why would anyone use a company that harasses people for simply asking multiple times to be removed from their database? Given that they've answered these reviews multiple times on multiple different sites with how they will remove our address, this shows clearly that this company is unethical. Why would anyone give their financial information to an unethical company? They can keep the letters coming, if this is their tactic. Eventually it will rise to the obvious level of harassment, if it hasn't already, and then my next steps will really get interesting for them.

all phone numbers for United debt counselors has been disconnected so they took all my money. I…read morenever paid my bills destroyed my credit and now I have to go to court. I am so disappointed.

I hired Mike/Tax Cleanup in April 2025 to help me file several years of back taxes and get…read morecompliant as a 1099 worker. I was quoted approximately $4,000 and was told my entire case would be handled. I provided organized records, mileage logs, income documents, and supporting information through the client portal early in the process. After that, communication became extremely difficult. For months, I repeatedly called, texted, and followed up asking for updates. Many calls went unanswered, messages were ignored for long stretches of time, and I was frequently told things like "I'm busy right now" or "I'm out of the office, I'll call you back," only to hear nothing further. When I was finally able to reach him, it was often late in the evening and I was repeatedly asked to resend information that had already been uploaded previously. I have included screenshots showing the pattern of communication and lack of response over time. One major red flag for me was being asked to have my wife sign a power of attorney that was backdated roughly 20 years, despite the fact that she is only 36 years old. By December 2025 -- roughly eight months after I originally hired him -- the returns were finally "ready" to submit. When I asked about payment options with the IRS, I was told I would "have to" pay well over $1,000 per month. When I explained that was not financially realistic for my family, I was essentially told I had no other options. I also asked about representation before the IRS and was told I could either handle the calls myself or pay additional money for him to do it, but that the outcome would supposedly be the same either way. At that point, I lost confidence in the process. I ultimately reviewed and corrected portions of the returns myself and submitted them directly to the IRS by mail. Some returns contained errors that required correction after rejection notices were received. After educating myself on the IRS process and speaking directly with IRS representatives, I learned there were in fact multiple compliance and payment-plan options available depending on financial circumstances. My experience was extremely frustrating, drawn out, expensive, and ultimately left me feeling like I had to finish the process myself after paying thousands of dollars for professional help. Use caution and do your research before hiring this company.

Mike really knows his stuff! And he knows how to handle issues with the IRS! If you need help…read morewith tax issues with the IRS, Mike is the guy in your corner to get it handled.

Had a great experience with Tom. He was quick to respond and gave great advice. Highly recommend to…read moreanyone needing legal help.

Tom is incompetent and a failure as an attorney. At intake, they will state that they have a high…read moredismissal rate for whichever Creditor is suing you. It is a scripted response. However, instead of dismissal, you will be advised by the firm to settle. Stay away from this place. Once they have your money, you wont get a response. Tom doesn't speak directly to clients. You will have to leave multiple messages with call screeners and send alot of emails to get a response from him.

Don't be fooled by Express Legal Funding's promises. They advertise advances between $500 to…read more$500,000, but after applying with a strong case, they only offered a couple thousand dollars. They don't even properly review your case before lowballing. The high ratings make no sense. Total waste of time! This is my reply Back Aaron, I appreciate your response, but I must correct the facts. During my initial conversation with Stacy, I made it very clear that I would only proceed if Express Legal Funding could guarantee $150,000. Stacy responded directly that this was not possible and stated there was no need for further calls after 2-3 days to "reassess," because the maximum I could be approved for would be only around $2,500 to $3,000. Additionally, I informed Stacy that my case involves over $2 million in insurance coverage. Based on that, I fully understood the strength and value of my claim and what I was requesting. Because of the clear communication that my funding needs could not be met, I personally requested to withdraw my application immediately. There was no misunderstanding, and no further review was needed. Your team had sufficient critical information and made an internal decision early without asking for more documentation. I appreciate your effort to respond, but respectfully, your public reply misrepresents the situation.

I was suppose to get a check overnight direct deposit and of course it isnt there. There is someone…read moreresponding to this review saying my money was sent. Now that Kimberly is in the office, she said let her call accounting and now they wont answer my calls. THEY TAKE ADVANTAGE OF PEOPLE IN TOUGH POSITIONS I will remove this review once I receive my check today. They went above and beyond to find the money and my bank had it the whole time and just deposited it. Highly recommended. Ask for Kimberly!!! Wendy H

Collections agents are supposed to be aggressive, that's standard in this business. And the guy…read morefrom Ryan & Jacobs was very rude, insulting, and kept asking questions and then interrupting me with more insults before I could answer. So he's good at that part of the job. But I felt like his use of lies and implied threats was too close to extortion for my tastes. He basically talked the debtor into filing bankruptcy instead of paying, which was counterproductive. Claiming to prepare criminal charges for a civil matter won't work on people who know the difference. Maybe he's new to this?

From the owner: Ryan & Jacobs - Your Vigorous Commercial Debt Collections Team! We specialize in business to…read morebusiness debt collections as well as debt reduction. If you are owed money by another business, we will collect it. If you have debts that need to be settled, we are experts in business debt settlement. Our work-frame is built on a contingency basis. To put it simply, no results mean no service charges. We are a fully functional, client-oriented commercial debt collections agency working in the best interest of our clients with a mission to eradicate scam services going around in the industry by executing the highest level of integrity that our clients deserve. Our clientele consists of businesses from various industries, which recalls the requirement for a unique approach each time. Our team of skilled professionals untiringly commit to achieving unmatched results every time, resulting in outstanding collection percentages. Moreover, we are always updated and in the now with a fast-changing business environment. We keep up with these business trends so we can continuously analyze and revise our operations for betterment. Our core value at Ryan & Jacobs is a faith-based business model, where we put transparency, customer service, communications, and professionalism is first and foremost. Redefining the commercial debt collection norm with strategies that result in significantly better Recovered A/R Cash-Flow.

Ashley is #1 Had…read moresome issues and Ashely M is on top of it!! We were approved to move forward with a new build that was expected to be completed and ready for move‑in within nine months. We are now at the eleven‑month mark, and my credit was pulled as part of the closing process. It was discovered that White Jacobs left all disputes open with the credit bureaus.

Do not trust this company. I paid nearly $2000 for 6 months of credit repair service and there was…read moreno improvement to my credit. This company is horrible at communication, will not answer your phone calls, and takes them weeks to respond to any inquiries. They told me my credit score increased by 53 points which was a flat out lie and fraud. My score actually went down. also I Refered them a client and I was supposed to get a referral bonus.... Another lie. Per our contract I am owed a refund based that no improvements have been made and they have breached their own contract. Do not waste your time or money, they have no integrity and a pattern of abuse and fraud which I would suspect is being done on a larger scale and a class action lawsuit will be needed.