Golden Financial Services (GFS) is an accredited debt relief company by Trusted Company Reviews and was just rated #1 in the nation for Debt Relief, Settlement, and Consolidation Programs.
Click to Check out TCR’s Top 10 Debt Relief Companies for 2020
Factors Considered When Rating “The Top 10 Debt Relief Companies For 2020”
- 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 that come with each program?
About Golden Financial’s History
Golden Financial Services was incorporated in the state of Florida in 2004 and was the first company to offer debt settlement in the state of 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.
What Debt Relief Options Does Golden Financial Services Offer?
Golden Financial Services offers:
– debt validation
– consumer credit counseling
– debt consolidation for student loans
– do-it-yourself debt relief options and free tools for consumers to use inside its Debt Relief Blog
One of the main reasons why 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 being able to provide 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 its 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 you live in will determine what debt relief programs are available. You can see New York 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, which includes 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. 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 less than two complaints at the BBB and an A+ rating, going back 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 end up getting signed up for the wrong plan, leading to poor results and potentially ending up in worse financial shape. This common malpractice is what 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 type of 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”, which is similar to a guarantee, but in the “attorney world”, attornies are not allowed to 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 all within 60-seconds, making it fast and easy for consumers to learn their options and pick the plan with the most savings.
Get Unbiassed Results
By having multiple debt relief programs under one company umbrella, this type of business infrastructure focusses on getting the consumer the best possible deal and eliminates any biased 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 are tailored to 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.
Review Debt Relief Program Disclosures at Golden Financial Services
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 end up paying 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 type of 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. After each debt is settled and paid, late marks and collections can remain on credit reports.
Tax consequences
After a debt is reduced and the balance paid in full, the savings can be construed as income and the IRS could require a person to pay taxes on this amount. If a person has a legitimate financial hardship and is not solvent, this tax debt can get eliminated by filling certain IRS tax forms. Refer to a licensed accountant for more information about eliminating tax debt that has been incurred as a result of a “settled debt”.
Not all clients finish
Not all clients complete the debt relief programs through Golden Financial Services due to a variety of 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 are not being paid and therefore late fees and interest can result in balances growing before each debt gets settled. If a person cancels their program prior to finishing the plan they could end up with more debt than what they started with.
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 judgement. Golden Financial Services anticipates this potential downside and is proactive by setting clients up with a law firm that is experienced with dealing with potential lawsuits. A summons is typically settled prior to the court date, and in the end clients still will make it through the program successfully.
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 goes directly back to the client, as these funds are never drafted by the debt settlement company.
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 full control of this money until they agree to pay off a debt, and only after a debt is paid does the settlement company earn their fee. Any extra savings will go directly back to the client and not towards 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 on their own, or hire a debt relief company to do this for them. GFS will consolidate for the client, then getting them on an affordable income-based repayment plan.
GFS will file all of the appropriate documentation on an annual basis 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 them to deal with. 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 there are some differences. 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 do need to stop paying on their accounts, which can result 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. If an account is invalidated, free credit repair is included to then 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 full 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.
To find a debt relief program, start here and select your debt amount!
Full Disclosure Debt Relief Company
Consumers can benefit from Golden Financial’s programs in different ways. Ultimately; all of their programs focus on eliminating debt, addressing derogatory information on credit, 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 can then prepare for financial recovery as well. Golden Financial Services makes it a point to fully explain the negatives and then assisting 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, ensuring clients don’t pay if results aren’t achieved
- 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 before approving candidates
- 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 program are different programs. Their state of the art technology and algorithm makes 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, when compared to other debt relief companies, is that they solidified partnerships with some of the leading credit repair businesses in the nation. Their unique program infrastructure was set up on individual programs to make it “free” for clients to get the credit repair, so it’s an added benefit that is free of cost. 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 into 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 stay far away from!
- 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?
customer - April 25, 2017 @ 17:28
Wes did a great job explaining everything
Mark Spitz - April 27, 2017 @ 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 to anybody.
Mark
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
Kassie - July 24, 2017 @ 17:06
They have been completely helpful. I would recommend this company to anyone.
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.
Nelia Corrria - November 29, 2017 @ 08:03
I give Robert De Aremllano 5 star
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.
ruth cuen - December 1, 2017 @ 08:07
i am really thankfull for the service they have provided for me. I was fooled by a previes company claiming to help my financial situation . Finding this company on time was a life savier ! Thank you so much Rob for your help .
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
MARTHA - January 1, 2018 @ 08:24
My experience with golden Financial was exceptional I love the way Rick walked me through everything and explain everything with 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.
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
barry stanchial - June 4, 2019 @ 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.
tknop - December 1, 2019 @ 14:27
I am so happy that I chose this company. I felt such relief after just 1 phone call. I am just into it so will post again when I know more but so far they are great!
Imran T. - December 14, 2019 @ 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!