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RL Professional Services

5.0 (1 review)
Closed • 10:00 am - 6:00 pm

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5 years ago

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Freedom Debt Relief - More than 1 million people have turned to Freedom Debt Relief to help resolve their debt.
 Ozzy S. from Staten Island, NY resolved $22,738

Freedom Debt Relief

(120 reviews)

Disappointed With Freedom Debt Relief When I Needed Help Most…read more I'm honestly very disappointed with my experience with Freedom Debt Relief. I had heard so many great things about the company, which is why I decided to enroll with them. My goal was to have help negotiating and paying off my debt without having to file bankruptcy, and initially, everything seemed to be going well. Unfortunately, one of my creditors eventually sent me a Summons and Complaint. I immediately contacted Freedom Debt Relief, uploaded all of the documents they requested, and expected to receive guidance on what I needed to do next. An attorney from Arizona eventually contacted me, but I was told that they could not help me file the necessary paperwork. I remember thinking, that's exactly what I need help with. I'm not an attorney. I don't know how to properly complete or file legal paperwork, and I enrolled in a debt relief program because I needed help navigating situations like this. Instead, I have been left trying to figure everything out on my own researching the paperwork, trying to understand what needs to be filed, and navigating the court process without the legal guidance I thought would be available when a creditor actually sued me. I understand that debt relief companies may have limitations regarding what they can legally do, and I'm not expecting them to represent me in court. But I do wish those limitations had been made much clearer from the beginning, especially regarding what happens if one of your creditors files a lawsuit. This has been extremely stressful and disappointing. I trusted Freedom Debt Relief to help me navigate my debt, and when I reached a point where I needed guidance the most, I felt like I was left on my own. I'm still trying to resolve everything and avoid bankruptcy, but right now, I'm having to navigate the legal process by myself and that is not what I thought I was signing up for.

I signed up with this company for help with credit card debt accumulated due to financial…read moredifficulties during COVID. When I enrolled, I provided four credit card accounts that I intended to include in the program. The company only resolved two of the four accounts. When I discovered the other two had not been included, I was told that I had somehow chosen not to include them, which was not my understanding or intention. I was then told they would not or could not add them back to my program. I was ultimately able to pay off my remaining debt in full myself, earlier than expected. Even that process was unnecessarily difficult. Getting a clear and accurate payoff amount was challenging. I was given an amount that I paid, only to later be told I owed several hundred dollars more, without a clear explanation of why the amount changed. Payments also took 7-10 days to transfer and be applied, unnecessarily prolonging the process and the amount of time you're required to use the company. Most concerning, after my debt was completely paid off, the company continued charging me fees for an additional two months. There was no remaining debt for them to resolve, yet I continued to incur charges. Overall, I am very dissatisfied with how my account was handled. I expected assistance with four credit cards, but only two were resolved through the program. I experienced unclear and changing payoff amounts, lengthy processing times, and continued fees after my debt was paid in full. The experience left me with serious concerns about the company's practices and transparency. I recommend contacting your credit card companies directly to negotiate before paying a third party to do it for you. The only reason I'm giving two stars instead of one is because the customer service women were consistently kind and helpful but unfortunately had little authority to resolve my issues.

Pro Family Financial Systems

Pro Family Financial Systems

(5 reviews)

WOW... You guys are harsh.... I have been working with Robert for a while now and I can tell you…read morethat he has kept his word on EVERY occasion. Here are a couple of examples on how Robert helped me and continues to help me to this day!! .. 1st- Back in 2008 when the real Estate bubble crashed I decided to give back to the bank 9 properties because of failed loans and bad equity positions in the properties. I lost 9 years of equity growth in 1 year and each one of my properties were so far under water that it made sense for me to give them back to the bank. I ended up foreclosing on 5 of my 9 properties and my credit went to crap. I contacted Robert and he has been helping me repair my credit for the past 6 years and I can tell you it works. I started this out with a 750 score then it dropped to 300 after all the foreclosures it now sits at 689. with 2 foreclosures still on my report. Robert was able to get 3 of my 5 foreclosures to be deleted from my credit report three years ago that helped me greatly. Robert is still working on my file and has made headway, keep in mind that what he does for his clients (in my case anyway) is TEDIOUS and BORING work. Dealing with banks is a PAIN IN THE ASS !!.. If you don't want to do it and decide to hire someone like Robert then be sure to get him what he asks no matter how ridicules it sounds. The banks are a MESS and ask for stuff over and over and over regardless if you already sent it. There tactic is to stall and cause you to fail. It is NOT Roberts fault if the modification did not go through. Most of the time it is the client's fault, because they did not get him what he needed fast enough for the bank. 2nd - This second example has to do with credit card debt. I had about $55,000 on a BofA credit card that I had been using for real estate transactions and after the bubble popped in 2008 BofA decided to turn off the account. I continued to pay the card until I was told by Robert that he could help me. I told him to go for it and he did. Well I can tell you that he was able to negotiate with the bank so that all I needed to pay them to close this account permanently was $6500 - CRAP that was awesome I could pay that amount ONCE and the account would be paid and closed. I JUMPED at that, $55,000 paid off with $6500 are you kidding? How the heck did Robert do it, I have the signed contract to prove it. I am so HAPPY with his work that he now handles all my financial issues moving forward. In conclusion with reading all of these negative reviews I am sad that you guys say these things about someone that really does care and does help individuals (He Certainly Helped me!!) with their issues, be it credit card debt, credit repair or a property mortgage I know I am in good hands. - Chris

Do yourself a favor and DO NOT enter into any agreement with Robert Childs. My wife and I really…read morefeel like victims, and we wish we would've read these and many other reviews in Yelp and other platforms before handing him over money to modify our home loan. Unfortunately we listened to someone who referred him to us, and he caught us in our vulnerable state. It seemed like we were doing 90% of the work with the bank on our own. It was us updating ProFamily Financial as the modification process took place. Shouldn't it be the other way around? It seemed like the only time Robert Childs or any of his assistants - Nicole Thompson and Flora Errico - returned our calls or emails to answer questions was when our desperation reached a fever pitch or when my wife would leave numerous messages in tears.

Mercer Advisors - Walnut Creek - Wealth Management Solutions by Mercer Advisors

Mercer Advisors - Walnut Creek

(76 reviews)

My husband and I became clients at Dragon in 2011 and we met Alfred in 2013, in the midst of an…read moreout-of-state property sale (title in my name). The realtor was giving me grief about his fees during closing and this was my first big financial transaction. I was basically on the verge of tears when I called Alfred and he never flinched- we immediately got on a conference call with the realtor and Alfred didn't take any if's, and's, or but's. I don't think the realtor knew what hit him. We have absolutely trusted Alfred with anything and everything since that day and he's never disappointed. We trust him completely. He is absolutely 110% "invested" in our client-advisor relationship. He's really been a voice of calm and reason whenever we're tempted to make "emotional" financial decisions. It's hard talking money with a spouse, but Alfred knows how to talk to both of us and get us on the same page. It feels like a team and we feel lucky to have him on it! We'd highly recommend Alfred and Dragon to anyone ready to make some financial plans or has a pending financial decision, who wants someone with experience and who cares.

My biggest annoyance with Mercer is that their portal support is only open until 2 PM Pacific time,…read moreMonday through Friday. This is an easy, probably not very expensive fix. The quality of your service will depend on your specific financial advisor and their support. If you have an inattentive advisor, you should request an alternate.

Tiffany Groode - Dave Ramsey certified financial coach

Tiffany Groode

(26 reviews)

Uptown

Positive: Professionalism, Quality, Responsiveness…read more I have received exceptional care and service since my initial conversations with Tiffany and our consequent follow up coaching discussions. I am so glad my wife and I found her, given how much value and up-to-date wisdom she brings. Tiffany is friendly, attentive and very professional. I've experienced Tiffany to have an ability to quickly zero in on the essence of our financial situations and then partner with us to bring real-world clarity and strategy to our much needed financial solutions. She loves what she does and she has a heart to educate and to serve - totally a win-win relationship. Tiffany is extremely current and knowledgeable in her field, respectful, honest, fair and client focused. I recommend her in a heartbeat (have actually done so to hundreds of people) - she offers a free 30 minute consult, jam packed with value. Check her out. See for yourself. We definitely will continue to work on improving our family and overall finances with Tiffany!! Thank you, Tiffany!!

I have been working with Tiffany for 4 years on my personal finances. I can tell you straight out,…read moreI would not be where I am right now without her! I am completely organized with an excel sheet that covers incoming/ outgoing expenditures so that I am set up for recurring items, as well as prepared for one-offs. My credit cards are paid off and I have a significant sum of money in my savings (something I hadn't been able to do before). I have separate accounts such as my "weekly allowance" for things like gas, groceries, movies, etc where I can track day to day where I stand; a Vacation fund, an Emergency account, etc. It's very convenient to meet on zoom on a periodic basis to keep things lined up and flowing smoothly. The relief of knowing where I stand financially on an ongoing basis is priceless! Not to mention that she is such an easy person to work with; smart and experienced beyond general personal financial management.

Fix Your Credit Consulting

Fix Your Credit Consulting

(8 reviews)

Financial District

Ok so where do I start?…read more Let's go back a year, I was 31 at the time (signed up with fix your credit 08/19) credit score of low 500s, about 20 negative items across the 3 major bureaus, $5400 in collections, wasn't able to apply for any kind of credit anywhere. Felt like I would never get out of the bad credit hole I had dug myself. I'll admit I wasn't the most responsible when it came to making payments on time and would more often than not just let my account go to collections. I simply didn't care, that is until I realized just how much of an impact having good credit is and the difference it makes in your quality of life. I couldn't qualify for a newer car, couldn't take out cell phone/change cell carriers, and forget about even thinking about owning my own home. The moment that made me realize it was one day, me and a group of friends from high school got together bbq and caught up with one another. Quite a few of them were already married, had kids, had nice cars and owned their home. As I heard them talk about their life and the joy you can see in their face is when I decided I needed to make a change. I needed to get on the fast lane to fix up my credit. I searched online and came across fix your credit consulting services. Honestly I was a bit worried at first, but after reading their reviews I decided to make the leap of faith and I am glad I did. They reviewed my personal credit file and got together a game plan to tackle all my debts and negative items on my report. They gave me the price that it would cost to clean up my credit up front and even gave me a monthly payment option. After the first month I saw a huge improvement in my score, with a lot of negative items being deleted off my report. Now it does take time and you'll occasionally go up and down in score but in the long run your credit keeps climbing just make sure your responsible with your credit usage and make payments on time. Anytime I had a question, they were quick to answer. Anytime I needed advice they were just a phone call away and I really appreciate that level of customer service. Fast forward to today and I have multiple credit cards open with credit limits I never thought possible. My credit scores have gone up to the mid 700s and I'm on track to buy our very first home together with my fiancée within the next year. All thanks to the hard working ppl at fix your credit. I really appreciate all of what you've done for me and my family. They even go a step further to help you thru the home buying process as well. If you have crappy credit and sick of all the collection calls I'd highly recommend them! Trust me a year from now (some sooner) when you can take out thousands dollar limit cards, buy whatever dream car you want and buy your very own home you'd be glad you went with them.

the worst, they paint a pretty picture, they don't completely tell you that you have to wait to…read morebuild up money in your account. But it is in writing. All the while you think they have made contact with your creditors. (no) and your credit continues to get worse and late fees and penalties are being imposed. Then they hit you with the consolidated loan to pay everything off, what they dont tell you is whatever the creditors write off or agree to accept. i.e. you owe 10K, creditors accept 7K, well anything over $600 creditors cancel is reported to IRS as income to you, so in example above you just made another 3K income to be reported They SUCK

RL Professional Services - debtrelief - Updated October 2026

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