I was in a desperate financial situation where I was not sure if anyone could help me even if I…read morewent bankrupt. Credit Counselling Society were informative, educated, efficient and kind. They did not judge but rather they gave me guidance and support. Their links for budget councelling and countless information on working through financial crisis has been of immense help and I highly recommend the Abbotsford team to help anyone who is in need of debt management.

From the owner: Our Client Services team works with clients who establish a Debt Management Program. They liaise…read morewith creditors to ensure the program is set up accurately and payments are disbursed according to the program. They are here to help our clients stay on track with the Debt Management Program, ensuring freedom from debt within 5 years.

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.

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.

Ever had a charge that shouldn't be there show up on your credit report? If your answer is yes,…read morethen you too probably know the anxiety that comes with trying to figure out how to get it removed. I had heard though the grapevine that The Credit Guru were excellent and easy to work with. They deserve their reputation. By the time I got off the phone I had a plan of action, and was seriously relieved. I highly recommend.

I worked with Credit Guru to help me increase my score for a home refinance. They provided sound…read moreadvice and thorough services to help me achieve my goals. During the few months my credit score went up by 100pts. Which was a combination of their efforts and my reducing credit card debt, which they highly recommended. They did not over sell me, and set my expectations properly. Overall highly recommend them for their services!

If you want to invest your money into an organization that can produce results then it's LSI. I was…read morereally amazed at what they could do, I have to admit with the issues I had I didn't think it was possible for them to remove the things from my credit report. It felt so good to hear them say "Charles, we got it removed for you and you should see the reflection of it on your next credit report". Now to me, that producing results !

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 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.

My wife and I recently went through a difficult court case and utilized Mr Richmonds services. His…read moreprofessionalism, knowledge of the law and care really set him apart from other lawyers we talked with. Whenever we had questions he responded as quickly as possible and his paralegal helped immensely with many questions we had that were appropriate for her to answer which helped us a lot! I can't say enough positive about this law office, they're wonderful people and I would highly suggest them for your issues. It's hard for me to imagine a better experience.

Hiring Paul Richmond was one of my best decisions I have ever made. He was exceedingly attentive,…read morenever left me in the dark wondering my next step, always returned my calls and emails in a very timely manner, and his paralegal Gretchen was always happy to answer the phone and always very helpful. Whenever I was worried about my case, talking with him always made me feel better he has extreme knowledge of the law. I am so thankful I found Paul to be my attorney and truly do not think I could have found anyone better for my case. I would highly recommend anyway with legal issues to hire him.

Literally no help at all. Went to another trustee who did what's sands refused to. Unless your…read moresituation is super simple and they don't have to work very hard to take your money go to any other trustee.

After losing my job I was no longer able to pay my bills and ended up with a huge debt load. Ashley…read morewas very knowledgeable and patient. She answered all my questions and helped me deal with my financial situation. I am now in a proposal and make only one low monthly payment. The service I got was amazing. Ashley was so helpful and easy to get along with. She really made me feel as it was an easier process then I thought. Ashley provided me an excellent guidance during my Consumer Proposal journey. Collection calls stopped very soon after paperwork was signed, and payment options are extremely affordable. I highly recommend Ashley Gharlay and the good people at Sands & Associates for all your Financial grievances. If you need help, do not look anywhere else. Leave your financial problems in good hands.