Is Golden Financial Services Legit? Reviews and Complaints Reveal What You Need To Know!
Golden Financial Services (GFS) is a Trusted Company Reviews Accredited and Top-Rated debt relief and credit card relief company. The top 10 national debt relief reviews for 2021, including all national debt relief, settlement, and consolidation programs, rates Golden Financial Services as the #1 rated company in the nation.
GFS is a licensed and bonded debt management company. Review its Texas Debt Relief Program page to verify its debt management license. In addition, we checked with the Office of Consumer Credit Commissioner and verified Golden Financial’s debt management registration number of 2000067863-218472. Their debt management license is active and in good standing as of 2022.
Golden Financial Services Reviews and Complaints
Reviews online about GFS illustrate mainly 5-star reviews with very few complaints. Golden Financial Services is also A+ rated by the Better Business Bureau (BBB), 5-star rated on Google and Yelp. Golden Financial reviews below are from verified clients that have used the programs available through Golden Financial Services. Reviews illustrate many success cases and, for the most part, speak very highly of their programs.
What’s different about Golden Financial Services?
GFS has a unique infrastructure for its operations. Rather than having a single in-house debt settlement or consolidation program, the company is always offering the most innovative and cutting-edge options on the market. GFS strives to offer the best programs, not stagnant with only one in-house program as most companies offer. Consumers can count on getting the best results and choose from flexible payment options.
But it’s more than just having more options for consumers. Consumers can save more money going through Golden Financial Services. The company has pre-negotiated deals with all of the law firms and debt relief companies it works with, so consumers can pay less going through GFS on the same option that they could go to directly.
- GFS debt counselors provide the financial education consumers need to make informed choices
- Pay less going through GFS
- Choose from flexible payment options and plans
- Understand the downsides clearly
- Get an entire financial recovery plan from A-Z. No other company that our secret shoppers reported, offered a personalized program that included debt relief with credit repair, and all through an attorney and with legal protection.
- Paul Paquin, GFS’ CEO stated, “We’ve done the research, tested each option, and have the expertise to guide consumers onto the best path to achieving financial freedom.“
Clients get the best debt relief options and savings through GFS.
One of our secret shoppers went directly to a law firm GFS worked with and applied for the debt resolution program.
- The client had a total of $46,000 in credit card debt.
- The law firm offered this client a program to resolve all of the debt with a total savings of $13,300.
- This person then went to Golden Financial Services requesting the same attorney-based debt relief program and was approved for the program with a total debt reduction savings of $17,580.
When evaluating the debt resolution contract, the only difference in the program’s cost was in “fees.” We were able to verify that going through Golden Financial Services; the consumer could pay $4,280 less in fees (i.e., extra savings).
We verified similar results in over twenty-five secret shopper cases. When digging deeper, GFS’ management team did send an email explaining that “GFS consumers will save more money on any debt relief programs available due to the negotiated agreements GFS has worked out on behalf of its customers.” It’s part of their deal that they have with partners, offering business to its partners but in exchange for extra savings for the consumer, making it mutually beneficial for all.
More Benefits of Using Golden Financial Services for Debt Relief, Settlement, and Consolidation
The best highlight about GFS is their industry-leading debt counselors. Its debt counselors are highly recommended online and act as fiduciary for consumers when they need help with debt. Consumers can get a free consultation from a financial expert, getting valuable insight and guidance that they can trust.
Take, for example, Concepcion Gutierrez, one of GFS’ senior debt counselors. After digging deep to learn about her past, we found Mrs. Gutierrez had multiple certifications for consumer credit counseling, NFCC, Fair Credit Reporting Act, and many more certifications over the years that she received. She worked on all sides of the debt relief industry, including experience working directly for a bank, collection agency, and debt settlement companies.
GFS counselors provide free debt consultations to the public, giving consumers life-changing and free financial advice. The consultations aim to provide financial education, not pressuring consumers into a debt settlement program. We found this trait most valuable about GFS.
In fact, in many cases, consumers won’t qualify for debt relief but will end up getting the help they need through free financial education and tools, such as GFS’ free debt snowball calculator.
GFS gives consumers the information they need to get out of debt, save money and improve credit scores, whether it’s through a program, on their own, or in many cases they just need options.
And only when consumers qualify can they get placed in the program of their choice.
Transparency at the Highest Level
GFS counselors are transparent and make sure consumers understand all options, including the pros and cons that come with each program. In addition, the counselors are comprehensive about downsides and how potential obstacles are dealt with, according to Secret Shoppers when Trusted Company Reviews did its investigations.
Not many companies talk more about the downsides than the upsides. But most of the secret shopper reports illustrate GFS speaking the majority of the time about the downsides.
Rick Sorrentino, a counselor at GFS, stated, “It’s easy to talk about the savings and benefits of debt settlement, but many companies shy away from talking about the downsides because they are not prepared to deal with these downsides. GFS programs are all fully equipped to deal with any potential downsides, including lawsuit protection and credit repair.”
Compare two doctors:
Doctor one: Think of a doctor that only tells a patient about the benefits of a medicine, failing to disclose potential downsides. You then find out this doctor gets paid attractive commissions every time they prescribe this particular medication.
Compare that to a specialist who thoroughly explains a medication’s potential side effects. This doctor also explains multiple options for his patient. The doctor explains the pros and cons of each medicine, ensuring the patient is fully informed.
The second doctor is the one most people would feel more comfortable using.
With debt relief programs, it’s the same. If a company has a plan in place to deal with a credit card lawsuit, it’s not a problem. But for a company that has no plan in place to deal with a credit card lawsuit, that could be a devastating problem. Likewise, suppose a company fails to discuss the potential negative effect a debt relief program can have on credit scores and has no plan to help consumers rebuild their credit. In that case, that’s a subpar company that probably has low ratings and many negative reviews.
Click to Check out TCR’s Top 10 Debt Relief Companies for 2021
Factors Considered When TCR Rates “The Top 10 Debt Relief Companies”
- companies with the most positive reviews at TCR
- companies that have the least amount of complaints on sites like the BBB, TCR, and Yelp (click to verify Golden Financial’s A+ BBB Rating)
- certifications, licensing, and accreditations
- how long a company has been in business
- how many programs a debt relief company offers, as one program is not for everyone (top companies need to have multiple options available)
- Most importantly, is the debt relief company transparent with customers, and does the company explain the potential dangers of each program?
About Golden Financial’s History
Golden Financial Services was incorporated in Florida in 2004 and was the first company to offer debt settlement in Florida. The company started as a debt settlement company and, over the years, quickly evolved into one of the largest national debt relief companies, now offering multiple plans to help consumers get out of debt.
BBB Review Golden Financial Services
Is Golden Financial Services BBB Accredited?
We did verify that over the first ten years of business GFS was accredited by the BBB. But then over the last decade, they stopped paying for accreditation, however, they have always remained A+ rated. We find it’s more commendable that they maintain that the A+BBB rating not being accredited, due to the fact that their A+ rating is solely based on time in business, number of successful client cases, and complaints. Golden Financial Services averages less than two complaints per year at the BBB. Golden Financial Services has always resolved any BBB complaints.
Their CEO responded to questions about why they are not BBB accredited saying: “Clients would always tell us ‘We know that you can pay for your A’ when we were accredited. “We put that argument to rest when we stopped paying for BBB accreditation but yet maintained an A+ rating.”
What Debt Relief Options Does Golden Financial Services Offer?
– debt validation
– consumer credit counseling
– debt consolidation for student loans
– attorney-based debt resolution and debt negotiation
– do-it-yourself debt relief options and free tools at the Golden Financial Services debt relief blog
– free financial education
One of the main reasons Trusted Company Reviews awarded golden Financial Services the top-rated debt relief company is because this company offers multiple debt relief options.
GFS’s certified counselors are passionate about educating consumers on their debt relief options and providing the best possible solution for each person’s needs, even if that means not using a program at all.
Each individual can pick the right plan for their specific financial needs and not feel pressured into the wrong program just because it’s all a company offers. Not only that, but GFS also prides itself on saving consumers money. The company strives to provide consumers with the lowest possible monthly payment.
Depending on the state consumers live in will determine what debt relief programs are available. For example, you can see New York’s debt relief programs are different from New Mexico’s debt relief options.
The debt counselors at GFS will provide each person with a free consultation, including a free credit report and score. From there, the counselors go through each debt relief program that a person qualifies for, or if they don’t qualify for any GFS, counselors will direct consumers to self-help free tools and articles on the blog.
One of the most popular free tools offered by GFS, according to customer reviews, is their debt snowball calculator.
Golden Financial Services Reviews
Not only is Golden Financial Services #1 rated for debt relief services on Trusted Company Reviews, but the company also has outstanding client reviews on Facebook, Yelp, Google, BBB, and ShopperApproved.com. In addition, the company is IAPDA Certified.
And in 2020, Golden Financial made the list at Inc.com for being one of the “Fastest Growing Companies in the Nation.”
Golden Financial Services has had less than two complaints at the BBB and an A+ rating since 2004.
The majority of other debt relief, settlement, and consolidation companies across the nation offer only one program. When a company provides a single debt relief option, consumers are more likely to get signed up for the wrong plan, leading to poor results and potentially ending in worse financial shape. This common malpractice gives debt relief companies and debt settlement law firms a “bad name.” Another massive benefit with Golden Financial Services is that they only offer plans which include some written guarantee and no up-front fees.
Is there a written guarantee with debt relief programs?
The attorney debt settlement program offered through Golden Financial Services includes an “assurance of performance,” similar to a guarantee. Still, in the “attorney world,” attorneys cannot say the word “guarantee.”
The debt validation plan Golden Financial offers includes a money-back guarantee.
Sign Up With Ease
Golden Financial Services has partnered with some of the top debt relief back-ends across the nation.
The Golden Financial Services debt calculator can figure out how much money a person can save on each debt relief plan within 60-seconds, making it fast and easy for consumers to learn their options and pick the program with the most savings.
Get Unbiassed Results
By having multiple debt relief programs under one company umbrella, this type of business infrastructure focuses on getting the consumer the best possible deal and eliminating discriminatory sales practices. Rather than debt relief companies competing against each other and every company reaching out and trying to grab as many customers as possible, at Golden Financial Services, its umbrella of companies all work together in a synergistically efficient manner that puts the consumer first. The focus is “which plan will save you the most.”
Get a Personalized Plan to Get Out Of Debt
Golden Financial Services is a one-stop shop for debt relief. Personalized plans help a person escape debt in the fastest possible time frame. You have the power to make a choice based on what suits you best at GoldenFS.org.
Whether a person needs to consolidate student loans or reduce credit card debt, Golden Financial Services can help a person do that and more. It’s common for one person to enroll in two different plans at Golden Financial to maximize their savings and efficiently address each type of debt.
Golden Financial Reviews Debt Relief Program Disclosures:
Interest rates: Maximum Annual Percentage Rate (APR)
Consumers pay 0% interest on all debt relief programs; remember, these programs are not the same as getting a loan – there is no interest.
Program Fees:
With debt settlement, consumers can pay approximately 70% of their total debt, including fees, and complete the program in 24-48 months. Fees can range from 15-30 of the total debt enrolled, but the plans offered through Golden Financial Services are performances based, meaning no fees get charged until after results are achieved (i.e., each debt gets settled one by one).
Short-term personal loans
Golden Financial Services does not offer any short-term loans.
Affect on Credit Scores
Debt settlement and validation programs require consumers to stop making monthly payments to creditors, resulting in accounts eventually getting charged off and sold to collection agencies. However, late marks and collections can remain on credit reports after settling and paying each debt.
Tax consequences
After a debt is reduced and the balance paid in full, the savings is considered taxable income by the IRS. Therefore, the IRS requires a person to pay taxes on the savings from a debt settlement. However, if a person has a legitimate financial hardship and is not solvent, this tax debt can get eliminated by filling out certain IRS tax forms. Refer to a licensed accountant for more information about eliminating tax debt resulting from a “settled debt.”
Not all clients finish.
Not all clients complete the debt relief programs through Golden Financial Services due to various reasons, such as some may not be able to afford to make all of their scheduled payments.
Balances can grow before getting settled.
With any debt settlement program, credit cards don’t get paid monthly. Therefore late fees and interest can grow balances before each debt gets settled. In addition, if a person cancels their program before finishing the plan, they could end up with more debt.
Creditors can sue
There are cases where creditors issue clients a summons to go to court, and if ignored, this summons could result in a default judgment. Golden Financial Services anticipates this potential downside and proactively sets clients up with an experienced law firm dealing with potential lawsuits. As a result, a summons gets settled before the court date, and in the end, clients still will make it through the program successfully.
There is NO guarantee that creditors will settle
No settlement company can guarantee creditors will settle at a certain percentage or settle at all, but in most cases, creditors will settle all of the debts that get enrolled into the program. Companies like Golden Financial Services quote clients conservatively based on the prior year’s results, so in the end, they perform better than expected and keep clients happy with the results. Any extra savings go directly back to the client, as the debt settlement company never drafts these funds.
FDIC Trust Account or Special Savings Account
With a debt settlement program, monthly payments are deposited into the client’s special purpose savings account. This is where monthly payments go and accumulate. As the funds accumulate and the savings account balance grows, that’s when negotiators start working towards settling a debt. Clients must approve of a settlement before funds get released. Clients remain in complete control of this money until they agree to pay off a debt, and only after a debt gets settled and paid does the settlement company earn their fee. Any extra savings will go directly back to the client and not the settlement company’s fees.
Student Loan Consolidation Disclosures
GFS offers a program to assist consumers with Federal Student Loans. Consumers can consolidate their loans independently or hire a debt relief company to do this for them. GFS will consolidate student loan debt for the client and get them on an affordable income-based repayment plan.
GFS will file all of the appropriate documentation annually to recertify for the clients and communicate with creditors for the clients. For many students across the nation, consolidating and maintaining an affordable monthly payment, along with making sure they get loan forgiveness at the appropriate time, is just all too overwhelming. For that reason, GFS’s student loan relief program can be a Blessing for many.
GFS is not affiliated with the government or federal student loan servicers.
Debt validation program disclosures
Validation programs come with many of the same downsides as debt settlement, but some differences exist. For example, if an account is invalidated, there are no tax consequences, and the debt can no longer legally remain on credit reports. However, to qualify for a validation program, consumers need to stop paying on their accounts, resulting in an adverse effect on credit and potential lawsuits. The program offered through GFS ensures if any downsides occur, a solution is in place to deal with it. For example, if a creditor issues a client a summons, the client is fully refunded on the account and referred to a settlement law firm to help them resolve the debt. In addition, if an account is invalidated, free credit repair is included then to dispute the debt from the consumer’s credit.
What type of debt qualifies on Golden Financial’s debt relief programs?
No single program addresses all types of debts.
For example, consumer credit counseling only addresses credit card debt.
The federal student loan relief program addresses federal student loans.
Private student loan debt can get settled for less than the total amount or refinanced at a lower interest rate.
Unsecured personal loans and credit cards can get settled or included in a debt validation program, which disputes each account.
Golden Financial Services can tailor the right combination of debt relief options to address a person’s entire unsecured debt situation.
At Trusted Company Reviews, we’ve not been able to find any other company in the nation that offers debt settlement, debt validation, debt consolidation, and consumer credit counseling.
Plans even come with a money-back guarantee, really setting Golden Financial Services above the others.
Start here and select your debt amount to find a debt relief program!
Full Disclosure Debt Relief Company
Consumers can benefit from Golden Financial’s programs in different ways. Ultimately, their programs focus on eliminating debt, addressing derogatory credit information, and providing immediate savings for their clients. However, another benefit of using Golden Financial Services is that potential clients get fully educated on the downsides associated with each debt relief program. This type of transparency is essential because clients better understand what they’re getting into and prepare for financial recovery. Golden Financial Services makes it a point to fully explain the negatives and then assist clients with credit recovery and financially starting fresh. Again, they even go that extra mile by making sure credit repair is included in specific plans for no additional cost.
Most complaints against a debt relief company are related to either:
- a salesperson misleading a consumer and not fully informing them about a debt relief program before approving them for one
- failure to perform debt relief services and to charge up-front fees
- putting a consumer in the wrong program, just because that’s the only program the company offers and salespeople would rather not lose a client (see, most debt relief companies will use sales representatives on the frontline, enrolling clients into the debt relief program)
How Golden Financial Services is different:
- plans offer a money-back-guarantee
- attorney backed plans provide an assurance of performance, which is similar to a guarantee
- The company discloses the negative side to each debt relief program online, inside each program agreement, and verbally through a compliance call.
- the company uses IAPDA certified and accredited debt counselors on the frontline, properly educating and qualifying consumers for the right debt relief program
After interviewing 105 Golden Financial Services clients, here are the results:
— Two out of Three Golden Financial Services clients had their debt resolved and credit repaired within a 3-year program.
— 98% of their customers were happy with the results.
— About 35% of the same clients had student loan debt and credit card debt (multiple debts) resolved inside of their one monthly payment, even though the student loan relief and credit card relief programs are different programs. Their state-of-the-art technology and algorithm make it easy for clients to manage their monthly payments.
It is also important to note that out of 2,500+ debt relief companies listed on our review boards; Golden Financial Services provided the highest number of clients for us to call and had the least amount of customer complaints.
Another difference with Golden Financial Services, compared to other debt relief companies, is that they solidified partnerships with some of the leading credit repair businesses in the nation.
Credit repair is considered a separate program with a separate fee, but it’s all-inclusive at Golden Financial Services on a few of their plans.
For specific details, it’s best to call Golden Financial Services at 1-866-376-9846.
Debt Relief, Settlement and Consolidation Company Reviews
At Trusted Company Reviews; debt relief, settlement, and consolidation company reviews are based on a company’s:
- Better Business Bureau Rating (ranging from A->F) & Number of Complaints: a debt relief company with unresolved complaints is one that you want to avoid.
- Experience: How long has the company been in business? Reputable debt relief companies need at least five years in business.
- Transparency: Does their website provide detailed information?
- Disclosures: Does their website illustrate clear disclosures?
- Range of products: Do they offer multiple debt relief options? (with debt relief, one shoe size does not fit all!)
- Accreditations and Certifications: (i.e., IAPDA, BBB, licensed non-profit)
- Complaints Online: Does the company have complaints on the BBB and bad reviews on Yelp?
- Fees: If a loan company, how are their interest rates? If a debt settlement company, are they charging high upfront fees?
Javier Saravia - April 29, 2017 @ 21:14
I have had a very positive experience with Golden fs so far. The scariest thing prior to joining the program was that I have heard horror stories of people being ripped off when finding help online. I did my research and noticed that this company has been around since 2004 and has an A rating with the BBB. I gave these guys a shot after I knew I had to do SOMETHING to get out of debt and being proactive as I am, I went ALL IN and have not been disappointed! I decided to write this review because frankly, most people don’t write the good, only the bad. I want this review to help people who are on the fence and need that extra push to get going on becoming financially independent. My situation has gotten better since I first started (8 months ago) and are halfway there! I hope this review helps!
livelovelaugh365 - April 29, 2017 @ 21:18
Golden Financial Services offers the best program out there. I researched them all and there’s no other program that’s going to get you back on your feet faster. The representatives are very professional and courteous. Highly recommended. A++
Anonymous - May 1, 2017 @ 22:41
My experience with Golden Financial Services was good from start to finish.
Jordan S - May 1, 2017 @ 23:30
Got the help I needed right away, my account manager is really professional and provided all of the information that I needed to make the decision to sign up to one of their debt relief programs, just after a few months I am now debt free and I recommend Golden Financial Services every time I have the opportunity.
Bonny L Jones - May 2, 2017 @ 17:34
I was at Rock bottom, I decided to find someone t help me. I went online and filled out quote and was contacted by a wonderful man. He talked to me and I was blown away with how much I have been paying for years and still drowning. 5stars and more. Rick gave me basically a will to live. Everyone should contact them for piece of mind…..Thank you for all your support and guidance and reassure that all will be great in a few months and not years….Bonny L Jones
Norma - May 11, 2017 @ 17:38
Eddie is very helpful, always available when I need him and answer all my questions.
Valued Customer - May 18, 2017 @ 17:42
Excellent customer service, enough information about your services
Debra Barnes - May 18, 2017 @ 17:46
Anytime I had a question, they replies ASAP. I might have been bothering them, but they NEVER made me feel like I was. I hope to never have this problem again, but if I do….. I will call Golden!
Sheila Feazell - May 20, 2017 @ 18:02
My initial contact was with Marielena. My DTI is really high so I was looking for information about consolidation. Marielena listened while I explained my circumstance and then she explained how consolidation works and which options were advisable given my situation and location. She is very pleasant and knowledgeable and willing to help in any way possible. As of now I decided not to consolidate but if I reconsider I will give Golden and Marielena my business. And I will recommend them should I become aware of someone in need.
customer - May 26, 2017 @ 18:06
Was a good resource for scholarship but had to do a lot of searching to find what I needed.
Carl Reuben - May 26, 2017 @ 20:35
I signed up with GFS Validation program and saved thousands of dollars, the process was quick (just a few months) and I got a single monthly payment I could afford. GFS customer service was outstanding and I highly recommend anyone that’s buried in debt give Golden Financial a call with no hesitation. The Representatives were extremely helpful every time I called, very knowledgeable (I always felt i was getting good trustworthy information), and very professional. I even referred a relative and a coworker to Golden who have had equally great service. I can’t say enough about how happy I am that I called Golden Financial.
Doug Ross - May 27, 2017 @ 18:10
Marielena Ortiz was my first contact with your program. I certainly do appreciate her expert guidance. Thanks to her for helping me.
WALTER DANIELS - May 28, 2017 @ 18:13
VERY GOOD SO FAR
Elena - May 30, 2017 @ 21:58
Golden Financial has been extremely helpful, they have helped me into a better financial situation. My experience overall has been GREAT from beginning to end. I saved money and was able to get out of debt. I have recommended the Validation Program to my daughter, my sister, my co-workers and now to YOU!
Z. Anderson - June 1, 2017 @ 18:17
Robert D was my representative throughout this whole process. Robert was very helpful and professional. If was easy as 1,2,3 getting me approved for the program, and everything was explained about the electronic documents. This was easier than applying for an auto loan. I thank you Robert keep up the good job.
customerJoseph Bignell - June 6, 2017 @ 18:26
Marielena was absolutely wonderful I think this a fantastic program and I would recommend them.
Douglas Rieman - June 6, 2017 @ 18:29
Rob was very thorough in explaining the program step-by-step. I was surprised by the amount of money I saved by enrolling. The biggest seller was the number of years Rob has been at Golden Financial. This is not a job for a paycheck. This is his calling – helping ordinary people restructure their finances while obtaining a clean and positive credit report.
Craig Heitger - June 7, 2017 @ 18:34
I am very pleased and excited to be starting to lower and eliminate my debt through Actify Solutions. Marielena Ortez made a wonderful verbal explanation showing much understanding about both how the company works and how the laws are used and misused. I highly recommend her and this company!
customer Earl Waters - June 7, 2017 @ 18:39
Friendly and helpful explanations. Jose was patient with all my questions and answered them fully in a stright forward manner. I was pleased with my experience with Golden Financial Debt Consolidation and Relief. If I can be out of debt in 36 months I will sing their praises to the stars. It’s great to find a company that helps people with mone;y problems.
SIERRA - June 9, 2017 @ 18:41
Amazing with helping me decide on the right path. Very thorough and helpful. They’ve been a blessing
carlos - June 12, 2017 @ 18:54
Rob, was great! The knowledge and experience really stood out.
customer - June 14, 2017 @ 18:56
Great to work with
Bobby Thomas - June 15, 2017 @ 16:48
all went well
Nicole (current client) - June 15, 2017 @ 16:50
Rob’s service was amazing! And I’m saving over $25,000.00 dlls. I started seeing results since the 1st month.
I would recomend this to everyone!
Call Rob @ 866-489-9869
customer - June 22, 2017 @ 16:52
Great customer service skills and patience!!!
customer - June 27, 2017 @ 16:53
I was very satisfied with the way all of my options were explained and the assistance provided to help me decide which was best for me. I’m looking forward to getting out of debt in the near future. Thank you.
Pamela M. - June 29, 2017 @ 16:55
Rick Sorrentino – Golden Financial is superb. Very helpful and understanding to your needs. Very honest, answers all questions. Puts your mind at ease, knowing you made the right decision.
customer - July 1, 2017 @ 16:56
Very professional
Joanne and Curt - July 3, 2017 @ 16:58
Our representative Wesley Hendrickson was friendly, professional, courteous, patient, thorough and considering the difficult position we were in, always put us at ease. I hope no one will get into this situation but should we know of someone, we will certainly recommend Golden Financial Services and hope they get Wesley for their representative!
customer - July 12, 2017 @ 16:59
Rick was very helpful and returned phones fast and I’m glad i am enrolled in this program. He explained everything to me as well and took the time to review what the next steps will be.
Doug Pickrel - July 14, 2017 @ 17:00
I Ann just getting started in the program. Everything was explained very well to me. I am looking forward to working with this company to help resolve my credit issues.
Jorge Rojas - July 19, 2017 @ 17:05
Buen servicio good
Joey - July 28, 2017 @ 17:08
Wes was incredibly patient and answered all my questions. I even had my mom get on the phone and ask him a few questions just cause I wanted her seal of approval before I went through with Golden Financial. Signed all the documents last night and I’m finally hopeful for the future in terms of my finances.
I found the company by searching the Better Business Bureaus site and they have an A+ rating. If anything, just give them a call and ask questions. They seem genuinely interested in helping people.
ISRAEL LERMA SEGOVIA - August 3, 2017 @ 17:10
My first contact was MARIELENA ORTIIZ (SUPERVISOR). She was very thorough in explaining the program to me and answered any question that the i had. She is a great asset to your company, treat her well, Marielena is the type of employees that do not come around too often.
John Crumm - August 4, 2017 @ 17:14
The staff that I spoke to on the phone were very professional and explained the options and program in detail. Only in the start of the program and have more steps to complete. I am relieved that I have a plan for addressing by current debt.
customer MARY SMITH KH - August 7, 2017 @ 17:16
Rick he really helped me out.very nice guy to talk to,pleasant.MARY SMITH
customer - August 9, 2017 @ 17:17
So far it has been satisfying. Just started the process.
George & Karla Varga - August 15, 2017 @ 17:19
Wesley was very helpful, professional, and PATIENT with us. Since I have physical limitations, I could not sit at the computer for the duration. However, my husband did so in my place. He knows very little about computers and Wesley walked him through everything with the “patience of Job”. He was excellent! Would that all businesses had employees of his caliber!!
customer - August 21, 2017 @ 17:22
A medida que vayamos avanzando en el trabajo con ustedes podremos ir opinando, hasta ahora todo nos parece correcto.
Josh D - August 23, 2017 @ 17:23
Wes was very helpful.
JR, CO Springs, CO - August 28, 2017 @ 17:25
This process was scary at the beginning, but my agent was very understanding as well as thorough. He put me at ease about everything. I had contacted three companies prior to calling Golden Financial Services and NONE of them came close to the assistance GFS offered. I would recommend GFS to anyone who has serious debt worries. TY!
customer - September 12, 2017 @ 17:44
have been very helpful in resolving my situation.
AL - September 20, 2017 @ 17:46
Excellent customer service and really helpful
Marilyn Cwirla - September 26, 2017 @ 17:47
Golden Financial Services I would rate them five stars, Rick took the time to explain everything on how there services work. If I would come across someone that needed help with there debt I would recommend Golden Financial Services. I would have them ask for Rick S.
Catherine Rowe - September 27, 2017 @ 17:49
Rick was exceptionally helpful to me and patient. I fully appreciate his help and look forward to concoering this debt! Thank you Rick!
cmk - October 9, 2017 @ 17:53
I had been putting off calling because of the unknown but found they talked me through it and answered my questions.
Eddie & Kathleen Hicks - October 21, 2017 @ 17:55
We have just started with you and so far we are very pleased.
Thank you
Cindy - October 26, 2017 @ 17:57
Great company and fantastic customer service…..Rick S was very patient and knowledgeable!
Warren - November 7, 2017 @ 17:59
I will recommend this company to anyone that wants to get out of debt within three years
customer Jasmine - November 14, 2017 @ 18:00
Amazing so Awesome. Recommend to all !!
Ann - November 16, 2017 @ 18:01
great advice & kind
K. F. – Customer - November 21, 2017 @ 18:03
Wes and the team Golden Financial Services team may be the last good people of a dying breed of angels out there to help consumers, fighting to do the right thing, like myself to be successful. Wes, without any cost or upfront fees, took the time, upon my request, to counsel me on a happening reposession we had on my account. As an entrepreneur, one knows that there are ups and down — Wes was able to help come up with a strategy when the bank, other credit service companies (and even his experience) said it was impossible to overcome.
In talking with Wes, he was able to assess the situation and provide meaningful alternatives. But it doesn’t stop there, he spent over an hour talking with me guys — who do you know, in their right heart (and mind) still does that for people they don’t know will be a customer.
Not only am I grateful to the team at Golden Financial Services — I will do business with them for the upcoming credit improvement and as me and my family make our way back to where we need to be.
Thanks Wes! Thanks guys.
Mr. Thompson - November 21, 2017 @ 18:04
Being in debt financially is trying at times and very stressful. But thanks to good professionals at Golden Financial my wife and I are feeling confident in knowing that compassionate and competent people like Rob DeArellano are assisting us along the way in this process of restoring our credit to positive standings. Thank you Rob.
Daniel wall - November 22, 2017 @ 18:11
My agent was extremely informative and helpful. If I ever know anyone going through my problems I’m sending them to you. Thank you all sooo much.
Maria Elena Acosta - November 24, 2017 @ 18:12
Thanks for your Help !
Dadiana Garcia - November 27, 2017 @ 18:15
Rob walked me through step by step and answered all of my questions on the spot. I feel very secure that this program will help to improve my credit and my credit score. Their programs are flexible and accommodating. Excellent experience. I would recommend to a family/friend for future reference.
Maria Valdez - November 27, 2017 @ 18:16
Excellent service to help with getting out of debt and re-establishing credit score.
tania - November 28, 2017 @ 07:59
Im very satified with the service and the help provied by golden financial we need more profecional like them
Cheryle K Irons - November 28, 2017 @ 18:20
I had the most amazing experience talking with Rob at Golden Financial. I had no idea what to expect when I made the call but from the very beginning Rob was not only highly informative but courteous and genuinely interested in my debt problems. Thank you so much for helping me to understand not only the process of debt relief but credit card debt as well.
Jessie Rahmati - November 30, 2017 @ 08:06
Rob was exceptional he has helped me every step of the way and the Redon I choose your company.
Juliet Aguwa - December 4, 2017 @ 08:08
The professionalism from Golden Financial has been fantastic and made me appreciate this opportunity of working with this Team.
Lou Barger - December 5, 2017 @ 08:10
Very helpful and great service. Savings are great
Jurij Babij - December 14, 2017 @ 08:13
service was great. i am a happy person right now. very professional.
Diamond - December 15, 2017 @ 08:14
Rick was fabulous! Super nice easy to talk to and really made sure to answer any and all of my questions!
Deborah M Thomas - December 18, 2017 @ 08:15
very helpful and caring
gilda - December 19, 2017 @ 08:17
good customer services
Sanh Banh - December 19, 2017 @ 08:18
Very good customer service!
customer - December 20, 2017 @ 08:19
Rob was a great server to me
Elena Davchevski - December 26, 2017 @ 08:20
I spoke with Rob he was very knowledgeable and explained everything to me very nicely and clearly. This program is very good and will help you with your any kind of debt.
Angela griffin - December 27, 2017 @ 08:21
Very helpful made to feel secure
Marina Cawthra - January 10, 2018 @ 08:27
Rick is amazing. He is so good at what he does. He has taken so much stress off me. And as great at explaining everything and helping me
ruth cuen - September 1, 2021 @ 08:07
I didn’t qualify for the program but they directed me to a debt snowball calculator and I found it helpful. Here’s the link if anyone else wants to try it https://goldenfs.org/snowball-calculator/
Kassie - November 24, 2021 @ 17:06
It’s amazing how well the program works. Golden Financial Services is a great company, from customer service to my debt counselor I give them 5 out of 5 stars all around. I literally was able to pay off over $80,000 in credit cards paying less than half of my balances. Technically speaking, as they’ve taught me over the years, the debt has not been paid off but rather most are invalidated and do not have to get paid. I did have one large Discover debt that was settled for around $18,000 of $34,000 owed. I would recommend this company to anyone. The only complaint I have is that they can’t tell you exactly what date each debt will get paid off, it’s more about estimates. Having said that, I will say from the initial estimates they ended up performing even better in the end. The credit repair part is the highlight of the program for me, receiving the letters from the credit bureaus confirming debt collection accounts and late marks would get removed from my credit report, it’s all amazing. thanks so much
barry stanchial - December 15, 2021 @ 12:31
I found Golden Financial Services at the San Diego Better Business Bureau and choose them since they had zero complaints and an A+ BBB rating. My one concern was that they had not been accredited with the BBB but then after researching the accreditation I realized that’s something any company could pay for and the fact that Golden Financial Services had an A+ rating without paying to be accredited validated that this company must be a top-notch company. I then found Trusted Company Reviews and saw that they had been the #1 rated company out of all debt relief companies, so that sold it for me. I signed up with Golden Financial in 2017 and graduated the debt validation program today. When Wes Hendrickson, my counselor, originally spoke with me he presented to programs for me to choose from, including debt settlement with a local law firm or validation. I choose validation because with validation there is a chance to get negative items off your credit and you pay much less. I paid less than half of what I owed in fees and nothing else and 100% of my debt is now gone! They disputed everything from around month number 6 (as I had to wait for accounts to go to third-party collection status). By month number 12 all of my creditors agreed to stop collection on the debt and remove it from my credit report entirely. Following these months the company disputed other late marks on my credit, including a car repo from 2014, after they disputed the repo it came right off my credit within about 45 days. The last year of the program was mainly “education and just having their protection in case any of the creditors decided to illegally collect on these invalidated debts”, as my counselor explained it to me. Meanwhile, I continued to get alerts from Credit Karma illustrating my score has gone up by on average around 15 points every time a negative item was removed from my report. I was skeptical at first because I could not believe that the debt validation would actually resolve over $30,000 in credit card debt that I had been current on at the time, but due to the fact that they include a money-back guarantee that gave me the confidence to go forward with the plan, and wow am I glad I did! It just goes to show you how corrupt credit card companies are, I mean, how could they not take the time to ensure they are legally collecting on credit card debt. I had no other option at the time because I could not afford to stay current on minimum payments, nor did I want to continue making my credit card companies rich! Thanks so much, GFS and I will continue to tell everyone about how wonderful your plan is, it truly saved me from a long future of bad credit and probably lawsuits and every other undesirable trait that comes with not being able to afford to pay your debt.
Mark Spitz - December 17, 2021 @ 21:09
I signed up with Golden Financial to consolidate all of my credit cards six months ago, today I am completely debt-free with a clean credit report. I recommended the process to my sister and friends.
Thank you very much for such amazing results will recommend it to anybody.
Mark
customer - December 25, 2021 @ 17:28
Wes did a great job explaining everything. I am 18 months into the program and it feels like everything’s completed. I received letters from all creditors confirming they will no longer be coming after me over the debt. I also received letters from the credit bureaus confirming each debt collection account has been removed from my credit. I am so thrilled with how well this is going and I could not be happier. thanks so much Golden Financial Services!
tknop - January 1, 2022 @ 14:27
I am so happy that I picked Golden Financial Services. I was very scared and nervous in the beginning because the entire debt validation concept was new to me and hard to grasp. But within 5-6 months my confidence in the program grew because already I had started receiving what they call “uncle letters’ illustrating creditors agreeing to stop coming after me and remove the debt from my credit report due to their inability to validate each debt. I finished the program in 18 months and it’s been close to three years now and still, none of these debts have come back or shown up on my credit report, so at this point, I can officially confirm this program works and it’s truly amazing. I saved so much money with the program and I was able to use that money to invest in the stock market over the last year in a half, really transforming my life. Thank you so much Golden Financial Services.
Imran T. - January 14, 2022 @ 12:39
Awesome company. I am 18 months into the 32-month debt settlement program with 9 out of 10 creditors already paid off. The program is going much faster than they told me it would and this is great news for me because I had expected it to go much worse than they quoted me. That is a testament to the kind of company this is, not overselling anything and overperforming what they promised would be done. When I initially came to Golden Financial Services I had been sued by Discover, since then, Discover was resolved immediately after joining the program and I only ended up paying around 60% of the debt. I am so happy and can already see the light at the end of the tunnel. I recommend Rob DeArellano for the program as he was the specialist who signed me up and has stayed with me every step of the way up until now. Aside from Rob customer service at the law firm has done a great job, always taking my calls and providing clear answers. I always speak to someone different at customer service but they all do a phenomenal job, having said that, often I’ll just call Rob for a quick question and he always answers. I appreciate that Rob!
Nelia Corrria - January 19, 2022 @ 08:03
I give Robert De Aremllano 5 star. I found Golden Financial Services at the Better Business Bureau and choose them because they had an A+ rating and over ten years in business. It was the best choice I ever made financially. Not only am I now debt-free but my credit is repaired and I learned so much about how to maintain a high credit score, invest money and save money. This entire process has transformed my life. Thanks Golden Financial Services.
MARTHA - January 20, 2022 @ 08:24
My experience with golden Financial was exceptional I love the way Rick walked me through everything and explain everything in detail I am so happy I chose golden Financial to help me. I highly thank Rick for all his time and patience. I highly recommend golden Financial to help you out if you are in need with financial assistance again. THANKS.