My fairy tale took a surprising turn for the worse when my Prince Charming turned into a…read morechronically unemployable leech, leaving this damsel in distress with a great deal of credit card debt after our divorce. Flash forward to now. Nobody ever wants to make that phone call. I mean, who honestly enjoys calling your creditors? Reaching out for help only to be put on hold for hours/have your calls disconnected/transferred to the wrong department--all for the privilege of conversing with the surly CSR in cardmember services who talks to you like you're a serial puppy killer for making a late payment. After about half an hour of getting nowhere with my credit card company, I was transferred to Clearpoint, and braced myself for more of the same. But it was nothing like what I'd anticipated. I got transferred around and spoke with a few different people, sure, but every single person I interacted with was just SO nice. Ridiculously nice. The kind of nice you can't even fake. The counselor working with me was really encouraging, professional, and treated me like a human. I'm not an evil villain, I'm not incompetent, I'm just a girl who came across some less than ideal circumstances. Being in debt is shitty. We know that. But still, what a breath of fresh air to be treated with dignity. Most importantly, I got squared away with a realistic plan to squash that debt, all my questions were answered, and the pros and cons of the debt management program were explained thoroughly. I actually felt happy when I got off the phone. Happy? Seriously? We talked about my stupid debt for an hour and I feel happy? The fees they charge are so minimal compared to the amount of service they provide, and I feel good supporting a local nonprofit. And I'll live happily ever after, having this ordeal finally taken care of. The end.

Making the best of a bad financial situation is what these guys do for a living, and they do it…read moredamn well. If you know nothing else about them, know that they are the ONLY HUD-approved credit-counseling agency in the state of Washington. To go elsewhere is to make oneself vulnerable to scams that will make you lose more than you've already lost, all to fill their heartless, greedy pockets. Out of work for not quite a year yet when I contacted them, I'd already spent through all my "retirement" savings (ha!) hoping to save my condo. Through a combination of credit-card purchases and cash advances, I was rapidly approaching the last of my credit limits when I called them. They bundled my credit-card debt into one (very) low-interest loan that they brokered my payments on, in exchange for a modest monthly handling fee (especially when compared to how much I'd have paid in interest with the Wall Street banks), all handled through monthly withdrawals from my checking account, which I was able to keep funded (modestly, but adequately) through some creative moves. With their help, I was able to sell the house, with enough equity (I realize not everyone's this lucky) to pay off my credit-card debt, a week or two before the foreclosure hounds would have come snarling at my door. Their attitude and service demonstrate compassion and a sincere willingness to help, and they are both responsive to requests for help and advice and proactively in touch when needed. They earned every penny of their fees, unlike the loan-shark interest I paid Big Banking before signing up for their Debt Management Program. I don't envy anyone the circumstances that brought me together with ClearPoint, but thank God that they were there and oh-so-helpful in my hour of need. If you're on the brink of possible financial disaster and hoping for a miracle, here's my advice: Wake up and get these guys on your side before it's too late to save anything. I haven't checked my credit score yet, but I feel sure that it's at the very least at or above average thanks to the ways ClearPoint knows how to hook its clients up. Call them while you still maintain some control over your future. They'll help make it better.

Update: Owner…read moreReponse: 2/4/2021 Thank you for your feedback. Amber did respond to your email you back on Jan 20. Amber had written a reply previously but it never got sent, which we did apologize for. We just reached out to you again on Feb 2 to see if we could connect to help resolve any outstanding concerns that you have. During Covid, the federal government issued the CARES Act which allows the bureaus additional time to respond to inquiries. Please reach out to us directly so that we can answer any questions you have pertaining to your results My Response: Serge, As previously stated, I never received a response to my question from 12/28/2020. That was until I posted this review on 1/19/21. I then received a response from her the very next day. Presumably, because of negative the review. This doesn't excuse the sixteen business day gap from the time I sent a question and received a response. I doubt I ever would have received a response if I had not posted a review. I am aware that the bureaus have additional time to process (30-45 days), but this doesn't negate that we didn't receive anything from the bureaus in close to four months. If I had not questioned it, we would have continued to spend some $150 dollars a month with LSI with no results. Original Post: I had a similar experience with LSI. I was working with Amber. They reach out once a month and go over the credit challenges I continued with the service during COVID but stopped receiving notifications from the credit bureaus. This went on for almost six months. We decided to stop our services in Dec since we weren't seeing any improvement. I told Amber to go ahead with the pull since they had just charged my card, but we would cancel next month. I was told that they couldn't because the bill for Dec that was just paid was for the previous month. When I emailed for an explanation (attached), they never responded. Additionally, I questioned how the credit challenges were submitted as it's a violation of FCRA for the bureaus not to provide a response. Amber was always pleasant via email, but when you spend $1200 for credit repair, you expect at least a response to an email.

I purchased life time service from Lsi, Sergey worked on my…read morecredit years ego, Sergey is great guy to work with, Now I call and office staff wants to put me on monthly payments because they added LLC to their name! Feels like I been taking advantage of, Life time service! Is lifetime service

I cannot recommend Edgar Hall highly enough. From our first conversation, he was knowledgeable,…read morecalm, and incredibly reassuring. He walked me through every step of my case, explained my rights clearly, and completely shut down the opposing side's scare tactics. You can tell he genuinely cares about his clients. He's sharp, responsive, and truly fights for you. If you're dealing with debt collection, legal pressure, or just feeling overwhelmed by the process, Edgar is exactly the kind of attorney you want on your side. I'm so grateful for his help and expertise. Thank you, Edgar!

This lawyer is a one of a kind. I'm not sure that I even knew a lawyer like this existed. He took…read morethe time when he did not have to. He took the case when it did nothing for him. He took care of a United States Veteran who was out of options by no fault of his own. This guy is smart and talented and incredibly wise. He was straight forward but used kindness to explain things. He is one of the good guys.

When I worked in the corporate environment, I never had a problem earning money. Saving it was…read moreanother story...but I was making enough that frankly it didn't matter as long as the paychecks kept coming and the 401K savings was auto-deducted. It wasn't until I made the leap to small business owner where my deeper underlying money beliefs reared their ugly heads. Things got super real...in not a good way. My chronic tendency to depreciate the value of my heart-centered hard work meant that I was constantly underpricing and in a state of "not enough". I've been working with Heather for a few months and have been amazed at the shifts. Starting at the first meeting we were able to access and clear some of the mistaken beliefs that I have about money (tied to old but subconsciously powerful traumas). I've raised my rates and started being able to self-regulate when fear and anxiety raises it's ugly head. I've taken a number of classes on the mechanics of handling money..but working with Heather is the first time that we've gotten to the underlying reasons of why. Highly recommend!

From the owner: Money Mentoring, also known as money coaching, gives you the practical skills to trust yourself in…read moremoney matters by bringing to light the beliefs and attitudes that may be influencing your money behaviors. You will be guided to create a customized spending and earning plan that is specific to your individual needs and wants. This is a process that unfolds over time, helping you to become more aware of your finances and building your financial muscle

Lance was different than many lawyers I have had, and that is a positive thing. He is always…read moreavailable and responsive, doesn't charge you for every conversation. He has been very patient with questions and errors I have made throughout my case. In fact, he could have justified additional charges for me after missing some deadlines, but he didn't. That would have been more than fair. He is knowledgeable, lets you know in advance what's happening and what to expect. I will return to Lance should I need an attorney in his field, and I give him my full recommendation.

The Law offices of Lance L Lee would deserve a 5+ extra star rating if that was an option. He is…read morepunctual and was the most truthful and upfront about the laws behind bankruptcy/fees. And unlike a few other lawyers I contacted he was the top tier in every way.

100% recommend!! I…read morewas a little skeptical at first thinking it was a scam and that it was too good to be true, but after reading his reviews, I chose to move forward. I paid for his services for exactly a year. And after a year, Jesse was able to knock off around $20k of collections off of each of the three credit bureaus! Not going to lie, I was a little disappointed after the year mark to the point I requested to discontinue services and Jesse was very understanding and said my one year membership just expired and he already filed the next round of disputes and to expect a change within the next 90 days. Well 3 weeks later, he managed to get a $14k collection removed from all three bureaus!! To think I was on the verge of filing bankruptcy before I googled local credit financial services here in Seattle, I'm glad I trusted him. My credit score has jumped at least 150 points. Thanks so much Jesse! Please let me know if there are any other services you offer!

Honestly I don't know where to start with. I had a very frustrating experience with this…read morenon-responsive company that seems to do nothing but be intent on ruining time and wasting money. First they try to scare you that someone could damage your credit card information as well. Then they sell you their service. They will steal your identity I have made a complaint already to Authorities and they are investigating about this company. All they do is false advertising of their services and claim what they really can not do.

I only consulted with this firm, I spoke to Mark Ditton and he convinced me that chapter 13 was the…read moreonly way to go because he didn't really feel comfortable going with chapter 7 due to my relocation circumstances. Also he stated that he liked chapter 13 and that it paid him more. He really convinced me, and I was deciding to do a payment plan for 5 years instead of discharge in 90 days. Well I'm glad my gut told me to make another phone call. And I was successful with chapter 7 with another lawyer. This lawyer was very knowledgeable about all of bankruptcy and he desired to do what I needed and knew what might happen if my relocation was an issue. I felt that Mark was mostly knowledgeable about chapter 13. And the cost of 13 was too much, up front and over time. My suggestion is, if someone from this org is pressing you to do chapter 13 when you feel you qualify for 7, call another lawyer first and check on it. I feel blessed to have made one more phone call after this in person consultation.

It's been three weeks since I have initially contacted them and signed the paperwork to get things…read morestarted. No one has called back like I was told to expect, and no one ever answers the phone when I call the Seattle office. The last email I sent was 7 days ago asking a question about payments and I have still not received a response. I was looking forward to these folks helping relieve the stress of filing bankruptcy, but they are just piling more stress on top of everything else. These folks were suggested by my union, if things don't pick up on the communication front I'll be suggesting that the no longer recommend them to union members.

Jason Anderson sets the gold standard of timely, reasoned, and thoughtful counsel. I have…read morecontacted Jason on two occasions about two separate issues, and both times he responded with a thorough and thoughtful assessment of my issue and potential next steps. In both instances, I was dealing with unreasonably punitive medical companies and frustrated by how much the cards seemed stacked against me. I came away from my interactions with Jason empowered by the options he made me aware of. Jason clearly cares about people and about ensuring they aren't taken advantage of by faceless companies. He is the voice of reason, and I highly recommend him to anyone who ends up in the unreasonable world of collections (or any unreasonable world for that matter). This is the guy you want in your corner. Thank you, Jason! p.s. I second what other reviewers have said about Jason being professional, caring, compassionate, awesome, an activist, and life coach. Also the reviewer who said he restored her faith in humanity. These superlatives are well-earned, he is indeed that good.

I was offered a free consult with Jason. I appreciate he took the time to talk to me as I…read moreunderstand it's a small firm and they're busy, but during the 5 minute consult, I explained my legal situation and in my opinion Jason was very cold and short with me. I feel he also came off demeaning and made me feel stupid and embarrassed. I was not looking for free legal help, I was looking for clarification and if my case was under the scope of his practice. I was not upset that he couldn't take my case. I work in the legal field and understand how the process works. I learned additional information and asked Jason if that was under his scope of practice, and was not looking for additional legal advice or any advice, just asking if he could take on my case. Again, my issue is not that he couldn't take on my case, my issue is that I felt he came off demeaning and how I was treated. I will not be reaching out again for any reason.

I get scam calls all day from employees of American Financial that speak in broken English and use…read morefake phone numbers that come up as local numbers but their emplo don't take me off their call list. Frustrating

From the owner: American Financial Solutions is a national nonprofit credit and housing counseling agency. For over…read more20 years, our certified counselors have helped people consolidate debt, simplify payments, and create a clear path to financial stability. We offer affordable debt management plans, homebuyer readiness counseling, student loan and foreclosure prevention support, and financial education workshops. Compassionate, judgment-free, and focused on your goals—we’re here to help you reduce stress, manage debt with confidence, and move toward lasting financial wellness.