Following my divorce experience and life transition I suddenly found myself facing a burden of $54 300 spread across two Bank of America credit card accounts. The situation was incredibly daunting and stressful as I grappled with the uncertainty of what steps to take where to seek help. The exorbitant interest rates exceeding 20% on my cards only heightened the feeling of being trapped in a cycle of debt, from which escape seemed impossible. Struggling to meet the monthly payments I felt discouraged by the lack of progress, in alleviating my financial woes. Upon the recommendation of a friend of mine I reached out to Zenith Financial Group. I am extremely grateful, for following their suggestion! Right from the meeting with the team at Zenith Financial Group were well informed professionals who showed great empathy towards my situation They guided me through the available choices and clarified the debt settlement procedure in simple terms that made it easy for me to comprehend They provided reassurance that there was a resolution, to my issue and that I would not be tackling it on my own. Zenith Financial Group initiated discussions, with my lenders which yielded outcomes exceeding my expectations.Their efforts led to a reduction in my debt from $54,300 to $16,400. A saving indeed.I was then enrolled in a payment schedule that facilitated the settlement of the $16 400 over a span of 12 months without any interest charges.This arrangement truly made an impact, on my situation. Certainly the process did affect my credit score for a year; however I believe it was absolutely worth it, in the end! Having to manage $54,300 in debt with interest rates was both financially draining and emotionally challenging. Digging my way out of that situation felt like a beginning to me! The slight drop, in my credit score seemed like a sacrifice compared to the freedom of being debt free and taking charge of my situation once again. Today is a day, for me as I am thrilled to announce that I have finally cleared all my debts! I am truly grateful to the folks at Zenith Financial Group, for their assistance and unwavering support during this challenging journey of mine. If you're facing difficulties and feel trapped by debt with no solution, in sight I strongly suggest getting in touch with Zenith Financial Group. Their assistance has had an impact on my life. I'm truly appreciative of the chance to begin anew. Many thanks to Zenith Financial Group, for guiding me towards a future of independence ! read more

Following my divorce experience and life transition I suddenly found myself facing a burden of $54 300 spread across two Bank of America credit card accounts. The situation was incredibly daunting and stressful as I grappled with the uncertainty of what steps to take where to seek help. The exorbitant interest rates exceeding 20% on my cards only heightened the feeling of being trapped in a cycle of debt, from which escape seemed impossible. Struggling to meet the monthly payments I felt discouraged by the lack of progress, in alleviating my financial woes. Upon the recommendation of a friend of mine I reached out to Zenith Financial Group. I am extremely grateful, for following their suggestion! Right from the meeting with the team at Zenith Financial Group were well informed professionals who showed great empathy towards my situation They guided me through the available choices and clarified the debt settlement procedure in simple terms that made it easy for me to comprehend They provided reassurance that there was a resolution, to my issue and that I would not be tackling it on my own. Zenith Financial Group initiated discussions, with my lenders which yielded outcomes exceeding my expectations.Their efforts led to a reduction in my debt from $54,300 to $16,400. A saving indeed.I was then enrolled in a payment schedule that facilitated the settlement of the $16 400 over a span of 12 months without any interest charges.This arrangement truly made an impact, on my situation. Certainly the process did affect my credit score for a year; however I believe it was absolutely worth it, in the end! Having to manage $54,300 in debt with interest rates was both financially draining and emotionally challenging. Digging my way out of that situation felt like a beginning to me! The slight drop, in my credit score seemed like a sacrifice compared to the freedom of being debt free and taking charge of my situation once again. Today is a day, for me as I am thrilled to announce that I have finally cleared all my debts! I am truly grateful to the folks at Zenith Financial Group, for their assistance and unwavering support during this challenging journey of mine. If you're facing difficulties and feel trapped by debt with no solution, in sight I strongly suggest getting in touch with Zenith Financial Group. Their assistance has had an impact on my life. I'm truly appreciative of the chance to begin anew. Many thanks to Zenith Financial Group, for guiding me towards a future of independence ! read more

This company is a scam. When I talked to Zenith Financial Group for a couple of times, at first they said based on my financial situation there is a good chance to pay close to nothing for my debt. Then they are going to fix my credit. They also said that we are going to negotiate on your behalf, but you have the right to accept or decline the offer you receive from the credit companies. If you don't accept the settlement our team is going back to the credit company and renegotiation the settlement. After I signed the contract, I paid them the first payment, and they started the process. After a couple of months, they emailed me a settlement for one of my credit cards which were half of the amount I owed the credit company. When I said this is not acceptable, they said it is what it is and I have no choice other than paying the credit company and when I mentioned because of my situation (receiving social security benefit) I have no money to pay, they said that's your problem and we can't do anything else. One month later they sent me another settlement with a similar reduction and I told the debt again that I can't pay because I have no money to pay and declined the settlement. They said nothing and I didn't hear anything from them for a couple of months other than cashing the check that I gave them for doing the process. They charged me $3,500 for fixing my credit debt and credit score, which by the way I had to borrow from my family. When I followed up with them, and ask them why you didn't send me any result, they said we stopped working on your other credit cards because you didn't accept the previous settlement. I told them if you stopped my case why you continue to charge me, and they said that's because you had a contract with us and you have to pay. Long story short, I ended up paying their fee without them doing anything for me. They might be good at clearing a couple of late payments but they are not definitely a good company to work for more than that. My advice to whoever wants to work with them is that save the money you want to pay Zenith Financial Group for yourself and don't pay them a penny. When you can't pay your credit debt, credit companies will call you after a while and they offer you a much better settlement than what they promise that they can get for you. You just need to directly refuse their first couple of offers and they lower your debt themselves. read more

After many years working and building a good credit score and history, I bought a house. I applied for a mortgage and got accepted at almost $4500/month. Before I moved into my new house, I decided to have it renovated. I changed many things in the house: I moved walls, changed lighting, changed the kitchen completely -- new cabinet and countertops and and so on -- replaced the door with a new one, changed the garage gate, isolated the pool, changed the garden and planted new trees and flowers, painted all the walls, changed the floor carpets, etc. Well..., I thought I could afford it. Therefore, I opted to pay with my credit cards. I applied for couple of new credit cards and they were zero interest for the first year. I used the first one with credit limit of $25,000, the second with $16,500, and the third with $14,000. I was using them one by one and I didn't notice how much I was spending. I was so excited with my new house and I absolutely wanted to have the best one. So, I didn't stop spending on it. Also, I bought some new furniture, as well. Guess what? I applied for another credit card for that! After a couple of months the renovation was done, and I was calculating how much I spent on it. Wow! After paying a couple of months on my debts, I saw I couldn't afford to pay my credit cards back. I was truly frustrated and had no idea what I could do. On the other hand, I didn't want to lose my dream home. A friend of mine had some information about Zenith Financial Group. He found it on Yelp. So, I called them and had a meeting with Mr. Mani Hatami. He explained that he could help with my problem. He helped me get a loan and reduced my credit card interest from 20% to a loan with only 8%! I paid off my debts and started to pay only the one loan. My credit was fixed and I now have just one loan to pay monthly. It is amazing and I am so happy to have met Mr. Mani Hatami and Mr. Arash Zad. Thank you for your great service Zenith Financial Group! read more

WARNING: Total SCAM - Don't Fall for His Lies! This guy is the ultimate scam artist. He knows exactly what to say to reel you in, promising the world and making you think your credit issues are about to disappear. But once he gets his hands on your money, he's gone. No results, no communication, nothing but excuses (if you're lucky enough to even hear from him again). I had to involve a lawyer just to try and recover my money, and I'm far from the only one. A simple search will show you that he's been dragged to small claims court countless times for scamming people in the same way--and he loses every single time. If you take a look at his reviews, it's clear he's manipulating the system. For every two bad reviews, there's a conveniently placed "good" review to keep his rating above 4 stars. Those glowing reviews? Total fakes. He responds quickly to those but ignores anyone with a legitimate complaint. It's all part of the scam to lure in unsuspecting clients. It gets worse: I found out that his so-called "certification" came from an online class that costs just $50 and takes only two hours to complete! It's laughable--just check out the wall diplomas in his office, all printed in the same blue ink. He acts as if he's a legitimate attorney representing clients, but it's a complete joke. Many people, including myself, have reported the same shady practices. Once you catch him in a lie, good luck getting a callback or any email response. My advice? If you haven't paid him yet, RUN and don't look back. If you've already been burned, don't waste your energy chasing him. Just take him to court, and you'll likely get your money back like so many others have. He's counting on people giving up, but he doesn't win when it goes to court. It's shocking that he's still in business. Don't make the same mistake I did--he's a scammer, plain and simple!!! read more

Mani Hatami and Zenith Financial Group have my gratitude, for their assistance in lowering my credit card debt burden greatly appreciated their help over the last year when I was struggling with debts on various credit cards and felt lost about what to do next It was my mom who suggested Zenith Financial Group to me based on her positive experience with them She always spoke highly of how they managed her finances, with thoughtfulness and expertise Now I see firsthand why she holds them in regard Man, from the beginning meeting up with Mani Hatami and his crew showed professionalism and dedication to their work ethic! They dedicated time to grasp my challenges. Devised a personalized strategy that catered to my individual requirements perfectly! With their expertise in negotiations at play during the process they managed to secure a 50 percent reduction in my debt--a feat that had seemed beyond belief, for me!Their standout quality was not just securing a discount. Also providing a payment scheme that aligns with my financial means so I can clear the remaining amount comfortably and stress free. Mani and his team were readily accessible to address my inquiries at every step of the way; they kept me informed and provided assistance whenever I required it. They handled me with consideration and understanding; I genuinely sensed their commitment, to assisting me in reclaim my stability. If you're struggling with debt and feeling lost on what steps to take I suggest checking out Zenith Financial Group. They really came through for me. Even helped my mom out too. Mani Hatami is a pro who genuinely looks out for his clients best interests. I can't thank him enough for all his help. Feeling so relieved to have a weight off my shoulders and a chance, at starting over ! read more

My mother always followed Mani Hatami and Arash Zad on TV and radio, and joined their raffles in exhibitions and Persian "mehregan's". In their shows they provided information regarding credit scores, debt settlement, bankruptcies, tax liens and many more. Due to some unfortunate events my credit got ruined and I had to reach out for an advice. My mother suggested that I call them for a consultation, which I did, and I'm glad I did. My account executive, consulted me on what I need to take care of first without charging me a dime, she told me that I could take care of certain things myself and If I can't they can provide those services to me. There is so much more peace in my life now that I know there is someone who is constantly working on my finances for me to live a better quality of life. They offer payment plans so that you would see results while making the payment. They clearly have worked hard for the reputation and respect that they have gained for it is extremely difficult to maintain such a reputation, but I am sure that they will because of the effort that the employees of Zenith Financial Group put in work. Every time I go to their office, everybody is working hard for their clients, in order to make sure that people like me get their second chance as though it was their first! I was with them for 6 months and my life is already different, I could get the car that I wanted with a cheaper rate because my score was better, and so many more advantages that I was only informed of after working with them. What I love most about them, is their habit of sharing useful information with their clients, they don't hesitate to provide full details to the client and that makes people like me trust them even more. read more

Did this ever happen to you when you wake up one morning and you realize you have lived your life completely wrong? well that happened to me. Twice, first time was very personal I'm not gonna get into details of that but the second time was financial. And honestly I came to that realization the wrong way. Here's how.. I moved to the united states about 2 years ago, I was extremely uneducated about the whole credit concept. At first it kinda seemed silly to be where people lived based on their scores, made life seem like a video game to me. Anyway so I applied for credit cards and didn't pay attention to the interest rates, next thing I know I'm paying $800 per month only minimum payments of my credit cards and guess what that wasn't even getting deducted from my principle balance and I didn't know that mainly because I didn't monitor my accounts. Long story short, I was driving to my cousins place, I tuned into the Persian AM radio station and heard zenith financial groups advertisement about debt settlement. That commercial made me laugh so hard, I still crack up everytime I hear it somewhere. Immediately after the advertisement they had program on the radio speaking about all sorts of debts and the process that the creditor goes through to collect the amount from the debt holder and what we should do once it has been sent out for collection. So I immediately googled them and booked an appointment on their google profile (which was very cool and convenient) and they called me to confirm the appointment and I enrolled with them immediately after the consultation session and I have been happy with their service ever since! Would recommend them to everyone that wants to repair their credit! read more

I have sister that always care and I'm there whenever she needs me. She made decision to finance a new car and asked for my help. We've been to many car dealerships and negotiating with them regarding the cars and prices. After looking around for over a week we found the car she was interested with a reasonable price. They my sister's credit. Since she was the first time buyer and also his score was not that good, she asked me to be her co-signer. And it was my first mistake! We made the deal and got the car. She was paying for the car for one year. But she lost her job after that and couldn't pay for the loan. I was not aware of that. After couple of month I received a letter from a collection agency saying that I owe them some money. I was surprised! Cause I always care about my payments and debts. I was always on time for my payments. I even have a schedule for them. I set an alarm for paying back my credit card and it was almost impossible to be late. I called them and then found out that my lovely sister was not paying her car payments! I was so anxious about that, cause I knew what does it mean. I searched on line and found Zenith Financial Group. I called them and they pulled my credit over the phone. I saw that my credit score had fallen dramatically. They started to work on my credit and after 2 months my score improved for 10 points! And after 4 months for 50 points! I was happy with that. I'm still continuing my credit repair process with them. Although my score and credit report is not as same as the first day, I'm happy with the service I'm receiving. I have to thanks Ms. Anahita for helping me for fixing my credit and also Arash Zad and Mani Hatami, the managers. read more

DO NOT GO HERE!!! All Zenith Financial cares about is taking your money. They know nothing about customer service or professionalism. If you are late on a payment for a few days, their employee, Shima, will call and harass you like a debt collector and threaten to stop working on your account. After being continuously disrespected by this particular employee, I had requested to be transferred to another worker/consultant, but their company refused to make any changes. They have also refused my request of setting up an appointment with the company owner, Mr. Hatami, to discuss my case. Mr. Hatami was definitely available several months ago when I wanted to sign the contract with him and when he took my money, but now he is mysteriously unavailable. They had promised me that my score will improve in about 3-4 months and in the meantime had warned me against checking my credit score myself. After 7 months and after collecting close to $2000 from me, they refuse to provide me with my credit score and explain to me what work or progress has been made on my case. I, therefore, decided to finally check my score from a reliable service company and it revealed that my credit score had not significantly increased at all. I have been searching for other credit repair companies and discovered that most of them do not take any money upfront and will only receive payments from you once they show proof of raising your credit score. I am so disappointed for deciding to work with Zenith Financial. I have never written a yelp review, but felt like it was necessary to warn future customers about this company. read more

DO NOT GO HERE!!! All Zenith Financial cares about is taking your money. They know nothing about customer service or professionalism. If you are late on a payment for a few days, their employee, Shima, will call and harass you like a debt collector and threaten to stop working on your account. After being continuously disrespected by this particular employee, I had requested to be transferred to another worker/consultant, but their company refused to make any changes. They have also refused my request of setting up an appointment with the company owner, Mr. Hatami, to discuss my case. Mr. Hatami was definitely available several months ago when I wanted to sign the contract with him and when he took my money, but now he is mysteriously unavailable. They had promised me that my score will improve in about 3-4 months and in the meantime had warned me against checking my credit score myself. After 7 months and after collecting close to $2000 from me, they refuse to provide me with my credit score and explain to me what work or progress has been made on my case. I, therefore, decided to finally check my score from a reliable service company and it revealed that my credit score had not significantly increased at all. I have been searching for other credit repair companies and discovered that most of them do not take any money upfront and will only receive payments from you once they show proof of raising your credit score. I am so disappointed for deciding to work with Zenith Financial. I have never written a yelp review, but felt like it was necessary to warn future customers about this company. read more

DO NOT GO HERE!!! All Zenith Financial cares about is taking your money. They know nothing about customer service or professionalism. If you are late on a payment for a few days, their employee, Shima, will call and harass you like a debt collector and threaten to stop working on your account. After being continuously disrespected by this particular employee, I had requested to be transferred to another worker/consultant, but their company refused to make any changes. They have also refused my request of setting up an appointment with the company owner, Mr. Hatami, to discuss my case. Mr. Hatami was definitely available several months ago when I wanted to sign the contract with him and when he took my money, but now he is mysteriously unavailable. They had promised me that my score will improve in about 3-4 months and in the meantime had warned me against checking my credit score myself. After 7 months and after collecting close to $2000 from me, they refuse to provide me with my credit score and explain to me what work or progress has been made on my case. I, therefore, decided to finally check my score from a reliable service company and it revealed that my credit score had not significantly increased at all. I have been searching for other credit repair companies and discovered that most of them do not take any money upfront and will only receive payments from you once they show proof of raising your credit score. I am so disappointed for deciding to work with Zenith Financial. I have never written a yelp review, but felt like it was necessary to warn future customers about this company. read more

DO NOT GO HERE!!! All Zenith Financial cares about is taking your money. They know nothing about customer service or professionalism. If you are late on a payment for a few days, their employee, Shima, will call and harass you like a debt collector and threaten to stop working on your account. After being continuously disrespected by this particular employee, I had requested to be transferred to another worker/consultant, but their company refused to make any changes. They have also refused my request of setting up an appointment with the company owner, Mr. Hatami, to discuss my case. Mr. Hatami was definitely available several months ago when I wanted to sign the contract with him and when he took my money, but now he is mysteriously unavailable. They had promised me that my score will improve in about 3-4 months and in the meantime had warned me against checking my credit score myself. After 7 months and after collecting close to $2000 from me, they refuse to provide me with my credit score and explain to me what work or progress has been made on my case. I, therefore, decided to finally check my score from a reliable service company and it revealed that my credit score had not significantly increased at all. I have been searching for other credit repair companies and discovered that most of them do not take any money upfront and will only receive payments from you once they show proof of raising your credit score. I am so disappointed for deciding to work with Zenith Financial. I have never written a yelp review, but felt like it was necessary to warn future customers about this company. read more