A huge thank you to Richard and his team for helping me out. I had made financial mistakes while I was younger, and Richard was very direct/transparent while guiding me through making plans to iron everything out. It was nice to be able to work together to address my concerns, and I appreciate how open and flexible Roundleaf has been for me. There was a time period where I was very overwhelmed and confused in the process, and a tip I have would be to not hesitate in asking ask Roundleaf to slow things down and explain everything thoroughly. I had to educate myself on things I didn't know about, and it took a while to learn that that was okay. The Roundleaf team was always available to answer questions, and they were very good about following up/staying on top of processes. Looking forward to more growth, and I'm very glad to have Roundleaf's support along the way! read more

I just started my journey with round leaf but feeling blessed that I now how support and reassurances that my financial standing and credit score can get better!!! read more

Working with Roundleaf has been such an incredible experience. Richard was so kind and educated me from day 1 on how my debt can best be handled, and we were beginning during the tough times of the pandemic. He has now gotten my debt settled and has gotten it settled at half or more than half of what it originally was with the interest removed. Their team is so amazing, informative, non-judgemental, and VERY available either on call or by text. If you are looking to learn how to best handle your finances while being guided and supported...this is your team! read more

Thank you Richard and Sharon! I had debt on my credit report from when I was 18ish (I am now 30) that I foolishly ignored. Richard took the time to walk me through the process, answer all of my questions, and provide advice on other financial goals I had. Sharon was able to negotiate on my behalf and resolved my accounts in less than five months. My credit score has already improved and it has been only 30 days since the last case was resolved. Thank you again to you both. read more

As someone who normally doesn't leave reviews, I must leave one for this. I am so happy with all the help and support from RoundLeaf!! I was in need of desperate help with my mothers debt and Roundleaf's program made it easier for us financially. While it can take some time to get results, it is important to be patient and trust the process! We started the program in December 2022 and finished in March 2023. It all depends on the debt one has. What helped us get results sooner was having the money ready for any settlements offered, or you can just pay monthly and wait to let the amount grow and with those monthly payments that can be used towards any settlements later. Hope this helps and again I recommend this program! Wish I had knew about them sooner. read more

Went to Richard the first meeting and gave me a full credit report and ran through how the program would work and the process and estimated time it would take for me to improve my credit score. Did have to pay a certain percentage of the overall balance outstanding, but it is a service and well paid off. A solid year later, Richard and his team helped me out improve my credit score and opportunity to qualify for a loan to buy a house. Thanks Roundleaf! read more

A great program to pay off your debt. Met with Richard to understand how the process works and create a 3-year plan. On average the debt has been reduced by 40-60%. They actually managed to negotiate the majority of the accounts in 2 years. The team is very responsive and Richard calls to explain and make sure I understand. Currently in the process of finalizing the remaining 2 accounts. Would recommend. read more

1 Who are you? Is Richard no longer the owner? I've never spoken or gotten any email from you. Do you even work for Roundleaf? 2 What efforts did Roundleaf make? They didn't notify me I was being sued until a year after the suit was filed. Did they not know or just forget to tell me? 3 I was not given a full refund and the release was illegal. It prohibited me from reviewing Roundleaf on Yelp. After I filed the review I got daily calls from your attorney threatening me with legal action. I had to block his number. And finally, you haven't contradicted anything in the review. That speaks for itself read more

We are working with Richard and he is very thorough when explaining things and is patient with us when we have questions.

Cannot say enough good things about Richard and his team. They are who you want to work with if you are in serious debt and are looking for a viable solution. read more

Roundleaf had help many of my friends and my husband. Richard helped my two friends and their wives got rid of their credit card debt back in 2012. In 2013, he helped my husband with his credit card debt. The program really works because now, none of my friends and husband are in credit card debt. They all have excellent credit and was able to buy a car and home. I went to meet Richard a few days ago and he taught me how to read my credit report. He even gave me great advice on my student loans. I thought I could run away from it forever. How silly of me to have that thought. What's even great was that he drew out a plan for me. Step by step on what I needed to do going forward. read more

Richard is honestly a transparent angel with a black belt in finance. He took a hopeless money draining battle with credit card debt and gave me options I have never even heard before from credit counselors. He saved me money and gave me a manageable plan that fit within my budget. He helped me go through every aspect of my finances and even helped me budget for not only life expenses and debt but also trips and other big purchases. Richard feels more like a friend to me and it makes sense because he puts helping his clients first and helping them build their credit back up even after the last payment is made. I look forward to my financial future armed with more knowledge and a great team in my corner. RICHARD IS NOT IN IT FOR THE MONEY AND IF YOU DOUBT THAT JUST SCHEDULE A FREE CONSULTATION. YOU WONT REGRET IT :) read more

I used Roundleaf to help pay off my overwhelming Credit Card debt. I worked closed with Richard. I had a great experience and really appreciated how quickly he responded to any of my needs/concerns and questions. Especially during Covid when I wasn't working, Richard was able to be flexible and reasonable with so many unforeseen obstacles. I highly recommend Roundleaf! read more

I just finished paying off my last settled account thanks to Connor, Richard and the whole Roundleaf team. I started this journey about 3 years ago. It's been quite a ride to say the least. I am sooo relieved and happy to say that I am DEBT FREE for the first time since owning my first credit card! Thank you to the Roundleaf team for all your efforts in making this a reality. Now the credit build up journey begins. read more

We appreciate what they did for us. We were impressed on how fast they were able to get us back on track. We will be able to move on with our lives in a positive light. During the that ugly time of 2020 we were affected and was not able to pay certain bills. Now here it is 3 years later and Roundleaf assisted us with cleaning up and wiping out those negative collections. We thank you all for being caring and professional. You all answered our questions when we had concerns. Thank you so much for your help. read more

IT WORKS!!!!!!! RoundLeaf San Jose with Richard and all their client support team helped me erase credit card and loan debt I thought back in March 2019 was impossible. I had a total of over 7 accounts of debt each ranging from $2k to even a loan of $18k and RoundLeaf helped me CLEAR my debt at my own pace with their structured program .Today I was informed of how I cleared all my debt and I have never felt so free !!! Furthermore, I was able to finish round leafs program 6 months earlier than projected and it was AMAZING to lift this burden off my shoulders . Thanks once again Richard and to Julian and Connor and to all round leaf staff . I googled debt relief support back in March 2019 for help and round leaf was the first highly rated suggestion and I have never been so proud of my decision to give Roundleaf a chance to help me . THANK YOU!!!!!' read more

It took me awhile to decide. Then I went in to RoundLeaf with a sad broken heart, my Credit scores Was really On the way back UP to where I was (700 and more) few months ago and Before all the spending on credit cards to improve& upgrade my business. But I have to because I have not been working for almost 2 months now because of of my very recent accident, surgery . i Won't be able to go back to work for few months more nor able to pay my bills. This is how I Met Ms. Lorena. It 's her job but She makes me feel I AM OK And WILL BE OK Under RoundLeaf's Care.!!! She Is So Patient, Attentive, Kind, friendly , Knowledgeable, understanding and you leave Happier at Ease. Thank Lorena and Team. Anyone in a situation and or condition of Difficult Finance, should take this First Step Opportunity With RoundLeaf. read more

Roundleaf is awesome!! (so far) I was so nervous to contact Roundleaf due to unforeseen and embarrassing financial circumstances, but they have made the process awesome so far! They replied to my questions via yelp super quick and I was able to schedule a free consultation shortly after. I met with Richard and I have to say this guy knows his stuff! He made me feel super comfortable and welcomed while educating me on so many things regarding finances that I never knew about. It was a clear, educating, and non judgement environment. I am now on the first step to a more knowledgeable and stable financial future!! Thank you Richard and the Roundleaf team for making this long awaited wish come true! read more

I didn't have a large amount of debt however definitely enough to stress me out and kill my credit score. Working with Richard and his team was incredibly easy and they saved me hundreds of dollars. Within a month and a half I was debt free. Additionally, my credit score shot up about 80 points. I definitely would recommend their services to anybody that needs help with their debt relief. read more

My whole life I had carried my finances in order until about 2 years ago when it took a turn for the worse and I found myself in a spot were I just couldn't keep up with my debt. I came to Roundleaf soon after I realized I needed professional help. Making an appointment was so easy to schedule. I initially called and Lindsey whom answered the phone was so polite and understanding despite all my confusing questions I had. She was also able to schedule me at the time that I needed. As soon as I went in for my first meeting I met with Lorena whom made me feel comfortable and I felt so much stress come off my shoulders. She offered me a program were it was customized just for me. Once in the program our communication did lack in the beginning but I came to find out It was because they were upgrading there computer system. But once I was able to clarify that everything's just stated improving, my credit scores my cash flow and just living day to day in peace.I just can't thank her and her team enough. Now I am in the process of buying my new home. Something I never thought I would ever be able to achieve. read more

Richard and his team did an excellent job helping my close, older relative with their financial situation. They unfortunately ended up with a lot of accrued debt which left them to the point that they were not able to feasibly pay back due to personal hardships. Roundleaf negotiated and helped with settling the debt in an approximate 1+ year timeframe through a structured process with very creative solutions. My relative is now debt-free, less stressed, and has already started rebuilding their credit. read more

I felt like I was drowning in debt. I wanted to push my life forward and I didn't know how I would manage. I was super embarrassed to talk about it too. I found Roundleaf, and I wasn't sure how they could fix my situation. After less than a year I'm proud to say, I just qualified for a home loan...during Covid. Roundleaf knocked out my debt and I was able to boost my credit score. Did I mention I have better spending habits now too? read more

Edit 12-11-2017: Kevin and Richard have been extremely helpful and have worked around all of my issues and requests. 8 or 9 months into the program now, and I have no complaints whatsoever with how they've handled everything so far. My initial concerns regarding follow-up are no longer issues, and I've had no issues with contacting them and receiving prompt responses. Thank you guys very much for your help! My friend had gone through Roundleaf before and had suggested that I do the same. Finished going in for some consultation almost 2 ago. Richard sat me down and patiently went through everything with me by reviewing my financials, making suggestions on how to improve life, and letting me know how Roundleaf can help me save money and get me back on my feet. It was a good presentation, and based on that alone, I would have given it 5 stars. However, I called in one day to see if my first payment would go through. First, I left a voicemail message, but it was never returned. Then I called in again, and a lady answered. She seemed very rude, didn't care to listen to you, and tried to talk over you as you tried to ask her questions. After finally getting her to listen and getting my question across, she confirmed that my payment/deposit would post on the 15th, but would take a few days until I see the payment deducted from my bank account. 7 or 8 days later, the first payment was still not deducted from my bank account. So I called in again and a different woman answered (I think). Complete opposite of my first phone conversation. This woman was very professional and seemed like she knew exactly what she was doing. She listened carefully and helped me resolve my issue. After that, I received a follow-up call from Richard to inform me that my deposit would go through soon, and I should have recurring payments afterwards. Based off one rude representative, an initial lack of follow-up, and what seems to be a lack of organization or structure, I can't give a 5-star rating at this time. Once I see my initial deposit deducted from my bank account, and recurring payments process through with no issues, I will re-evaluate this review and adjust accordingly. Here's hoping that everything ultimately works out well in the end! read more

Having been through the process now i am glad I went through it.. I was very unsure in the beginning and kept saying I hope it works I hope it works I hope it works afraid of what might happen.. thankfully they did what was claimed to me in the beginning! I'm happy to say that I've completed paying down my debt thanks to Richard and his team. Big thanks to RoundLeaf read more

I'm really glad that I found roundleaf via yelp, I felt like he was extremely professional and cared that I had a strong foundation before moving on to next steps of planning our retirement and college funds for our kids. I'm looking forward to working with Richard again. It was also nice being able to sit down with him and go over everything without the fear of a consultation fee, previous places I reached out to too wanted up to 150 just to consult with me. read more

(*4 stars because I just started the program, will be editing my review later on) I had the pleasure of meeting with Lorena and Lindsey yesterday afternoon! I had been rescheduling my visit for quite some time, I am so happy I finally came in. I was in desperate need to get my financial situation back after working with a crappy consolidation company that wasn't meeting my needs! Like many, I used credit without being educated on its purpose! Clearly, I had gone in a little too far, but Lorena and Lindsey helped me break down my credit report and score very nicely, it was so easy to understand and they made me feel confident with each step. I decided to move forward with Roundleaf, and I am on a 18 month plan towards fixing my credit! I am excited for the outcome! Roundleaf creates a program that works for you and your budget, and they incorporate educational practices to get you back on track. Whatever your financial goal is, i would definitely give them a call! Its never to late to fix a bad credit score! read more

Could not find my original review to update it, or I certainly would. Notice how most of the reviews are from fake accounts? Nice. Richard is as low as it gets. Makes tons of promises, you pay, pay, pay some more, and well nothing happens. Money goes into an "escrow" account that you do not have access to. They tell you to stop paying your bills and eventually you are so far under they can't get you out. Don't get me started on Lorena, she's so full of herself I don't think she realizes it. Her customer service is awful. Look carefully at each yelp review and the person who writes them, and their profiles. Notice similarities? Richard picks and chooses who he wants to work with and truly make changes for. Speaking for all my brown folks, run, and fast. What he offers you can do yourself, otherwise if you are in need of a full service company. Do your research. This guy is a damn fraud. read more

Not what I expected. They helped with 1 account I had to pay them a certain amount & I haven't heard from them since then. Very disappointed. read more

Richard and his team helped got out of debt within 14 months. I could not be happier. I should finally turn around and start my life again. They were very helpful and thoughtful during the whole process, and were on top of everything. Also, he helped me built up the new spending and saving habit, which is a lifetime tool. Thank you, Roundleaf!! read more

I rarely write reviews, but I couldn't pass this opportunity up. After my divorce I was left with a large amount of credit card debt to pay off, part of which was the cost of my divorce. I was overwhelmed with trying to constantly move it around to new cards to keep the interest rates at 0% (or low), and I wasn't making any progress on paying it down. It felt like I was sinking into quicksand with no way out. Richard and his team at Roundleaf did a fantastic job of helping me handle the creditors, referring me for help for any legal issues that arose, helping me to negotiate down my debt, and helping me to dig my way out of this. Not only that, but Richard himself had a beautiful way of saying things that helped alleviate any shame I was feeling about being stuck in my situation, and was always great about reaching out to me personally if he sensed I was overwhelmed. Working with them was one of the best decisions I've ever made. read more

Richard Hua is a horrible man, him and his team will ruin your credit. They will leave you hanging if you get sued and will steal your money. He said all the right things, and I got scammed. Do not trust this institution, both my wife and I ruined our credit. He maxes out your credit card, and pays himself with it. Then he tell you to ignore the banks and let the account go to default, your credit gets ruined and after they give you a pay out you pay the bank and close the account, BUT whatever you get "forgiven" comes back as a 1099 and you will have to pay tax on it. I messed up, I trusted them in 2017, today 2023 I'm still paying off a settlement for Santa Clara County Federal. They took me to court and had to pay for what I initially owed them plus court fees, lawyer fees and interests. It went from a 25k personal loan debt to a 32k debt! I would of paid it off already if I hadn't trusted them. My life was full of stress, anger and regret All because of Richard and his team. It took me years to get my credit back to a good standing. Dont meet with him, don't give him your cards, do NOT sign his contract! This is a scam. Don't do it, just deal with your debt on your own. At least if you file for bankruptcy you won't feel stupid after paying this guy. He took at least 8k from me. One day i'll be in the position to sue this guy! He owes me not only money but peace of mind. Stop giving him business. read more

Super glad I made the decision on contacting Roundleaf. My first FREE CONSULTATION with Richard Hua was just what I need it. He was able to help me with my questions and directed me to the right path. Richard seem to love and know what he's doing. It seem like his goal was to actually help me and not to make business. Thank you Richard Hua! read more

Sketchy debt settlement company. The will offer you a discount in their service before you actually do the program (which is probably why they have so many 5 star reviews). The idea is that you pay a certain amount of money into a separate bank account every month (that you can't access), while you stop paying your creditors. These are the downsides of this program: 1) All your credit accounts will be charged off and your credit report will be damaged for seven years (derogatory info can stay on your report up to 7 years). 2) They only work with unsecured lines of credit; will not work with secured debts or tax debts or court-ordered debts. 3) You can still be sued on the credit accounts you put on this program. 4) They can't do anything that you can't legally do. 5) They pay themselves before they pay your creditors. 6) They claim that they can stop creditor harassment but in my case they never sent out the cease and desist letters, as I was continued to be contacted after paying my first month's fees. 7) If you quit the program, you don't get back any of the money that was paid into the separate bank account; they keep it. I tried to get my money back after one month and they didn't give me back a dime. Save your money! read more

HOLYCRAP. Long story short - I owed 49,000 in hospital bills that ended up at a collections company that kept calling me and sending me bills every month to pay up. I was really annoyed and stressed the hell out back then because of this. I mean, I couldn't pay the 48,000 up front and they wanted 800 a month minimum to pay off the stupid bill. There's no way I could front this type of money at the time so I was recommended to look at Roundleaf for solutions. Roundleaf negotiated with the collections company to have me on a plan where I can put aside 500 a month via automatic withdrawal out of my checking account into a holdings account that the collections company can see. The whole idea was that the collections company will see that I am truly putting money aside to pay them back and they will stop bothering me. This is one thing I truly appreciated. The fact that I stopped receiving phone calls daily and stopped having to open up the same mail every month asking for money for a bill I couldn't pay at one time. Another thing I appreciated about this was that my credit score was not ruined and protected because the collection company couldn't report that I was just avoiding them(AWESOME). The plan was also to keep negotiating to see when the collections company would settle. I am around 9500 in my holdings account and I guess I lucked out BIG. Richard gave me a call today to notify me about some seriously good news. He told me that the collections company actually got sick of waiting for my money to build up and decided to send my account back to the original hospital related company that was billing me. That company turned out to be bankrupted and cannot accept the account so now I don't owe anybody money. I will be getting my entire 9500 bucks back!!! OMFG. Richard then also asked me if I owed Bally Total Fitness 800 bucks from way back. Holycrap, I did! I completely forgot about it since it was like almost 10 years ago. Basically I will be getting my entire money back from my holdings account and they will now be working to clear up the Bally Total Fitness bill too so my credit score can be even better! I can't thank this company enough for improving my quality of life the last 3 years financially and dong all this work to help me reach this type of luck. I would definitely recommend these professionals. I am truly blessed to have delt with these great people, no joke. read more

I am so happy I found Roundleaf! Richard was so great at understanding my point of view and what I wanted to accomplish with my personal finances. I have never felt so empowered to take over my finances and I owe it all to him. Richard made it so easy to understand my current financial overview and student loans and how to make adjustments when planning ahead. He proposed a new budget and checks in regularly with recommendations. Excellent customer service and I would highly recommend his services to anyone at any stage in their financial journey. read more

No way I could have done this without Richard and his team at Roundleaf. they know the ins and outs of how to work with creditors. And his advice is directed at getting you on your feet but with compassion realizing you need to have a life and realistic expectations of how long it will take to get out of debt. I am so excited to be in the rebuild phase now...tip...be sure you save extra money on your own for the taxes you must pay on the forgiven debt. It's considered income and came as a huge surprise to me. You need a tax expert for that help. read more

I am not surprised at all the 5 star reviews and they are well deserved! I have a very unique situation, that I will not go into detail about. However, I will say that my (internet)search for someone or a place to get the advice and counseling I needed was frustrating. There seems to be an air about the world of debt that is shrouded. It makes you wonder if there is anyone that you can trust that isn't trying to get more $$ from you. Dealing with debtors can cause anxiety and stress. And the search for help is equally emotional It was during this search that twice I fell upon the website for Roundleaf. I emailed them my information and ended up scheduling an appointment and I am so glad that I did. I met with Richard Hua (CEO & Founder) He is not only a great listener, but able to keep the focus of the conversation. His manner is direct and honest and this is a world apart from other service centers and people out there. The transparency he provides is what makes the integrity of Roundleaf and Richard's services legitimate. I highly recommend that if you are in need of any debt management services, that you start here. read more

At the heart of meaningful work is the belief that your job makes other people's lives better. ~Adam Grant One of the first things Richard CEO/Founder did was to tell me this essentially. "I still take appointments and on weekends because I like to help people." Simple as that. The program was equally simple to follow. Discovery. Reset. Rebuild. Refocus and Review. We completed Discovery in our first meeting. I found the approach steady, knowledgeable and helpful. He was dedicated to helping me reach my financial goals and teaching me better ways to budget and manage my money. read more

I really wanna thank Roundleaf for helping me out. Richard was the person who helped me to get through it. I am currently on a reset program. So far, I've seen a little increase in my credit score. I was just worried how long does it take to finish all the settlements, they dont really give desired length of time. All i thought was, they're going to settle all of it.. once I fully paid the draft fees, which I did as early as I can. I still have 3 more accounts to be settled, the reason why im giving it two stars its because I dont really get the reason why its taking so long. My bank has been sending me mails, giving me calls which I thought they've settled my accounts since I received an email regarding a resolution I thought they settled. I've been following it up a lot of times but still dont get desired result. Will update this review. read more

Easy clear explanation of your credit report with tips on how to improve your credit score. Trust was the most important thing I was looking for to have someone help me with my financial planning and goals to achieve . Richard did a great job to get my trust and showed great attention to work with me to reach the target ,, Big LIKE and 5 stars :) read more