Trusted Company Reviews Badge

Golden Financial Services 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.

Factors Considered When Rating “The Top 10 Debt Relief Companies For 2019”

  1. companies with the most positive reviews at TCR
  2. companies that have the least amount of complaints on sites like the BBB, TCR, and Yelp
  3. certifications, licensing and accreditations
  4. how long a company has been in business
  5. how many programs a debt relief company offers, as one program is not for everyone (top companies need to have multiple options available)

About Golden Financial’s History

Golden Financial Services was incorporated in Florida in 2004. This was the first company to offer debt settlement in the state of Florida. The company started out 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, student loan relief, debt settlement services, and on top of all that the company also provides do-it-yourself options and free tools for consumers to use.

One of the main reasons why Golden Financial Services was awarded the top-rated debt relief company by Trusted Company Reviews 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 offer 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 plan just because its all a company offers. Not only that, but GFS also prides itself on saving consumers money. The company strives to offer consumers the absolutely 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 can quickly 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 The company is also IAPDA Certified.

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 offers 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 huge 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, ensuring you won’t pay any fees if results are not achieved.

Sign Up With Ease

Golden Financial Services has partnered with some of the top debt relief back-ends across the nation. Inside their state-of-the-art software, 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

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.

What type of debt qualifies on Golden Financial’s debt relief programs?

Certain plans are required for a particular type of debt, no single program addresses all types of debts.

For example; consumer credit counseling only addresses credit card debt.

Federal debt consolidation addresses federal student loan debt.

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.

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.

See Best Debt Relief, Settlement & Consolidation Company Reviews

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 important 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 certain plans for no extra 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 charging 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 offer an assurance of performance, which is similar to a guarantee
  • the company clearly 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. (happy, meaning on a scale from 1-10, all of the clients provided a score of “8” or higher – with “10” being the happiest they could be).

— 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?