Golden Financial Services in Imperial Beach, California

Thanks Golden Financial for all your help. I can't believe how smooth everything is going on the Actify plan, already resolving 3 out of 4 accounts and getting most of the collection accounts removed from my credit. It's hard to believe that credit card companies are so corrupt that they can't prove any of this debt to be valid; it truly blows my mind. But thank goodness that you informed us about this program and I could not be more pleased with the results. My husband and I are so glad that we took your advice, not using debt settlement. I will surely tell all my friends at my office and on Social Media about your program and how amazing it is so that others can benefit as we are. For others considering a debt relief program, I strongly recommend debt validation, it works fast and extremely effective.

I was hesitant to give Golden Financial Services a review online because joining a debt relief program is personal, but they did such a phenomenal job that I felt obligated to give them an online review as it would also help others who are considering using this company. Let me just start out by saying that they offered me 3 programs in the beginning, and ultimately I was left with being able to pick from 3 great options. I choose debt settlement because it offered me the best savings out of all the plans and the lowest payment, so despite the negative effect they told me it could have on my credit I decided to go forward with it. And the negative affect wasn't that bad, over the first year I saw my score go down by about 35-40 points, but over the last 6-8 months it's actually has gone back up by 25 points roughly. On average, every time my debts would get settled and paid off, my score would go up by about 5 points. Today, I do have a few collection accounts on my credit report, but they are all paid and have a zero balance, so at this point rebuilding my credit score is all about getting a secured credit card and following some basic tips they provided me. The law firm they set me up with settled all 8 credit cards within 18 months, 6 months faster than scheduled. I paid a few hundred dollars extra on multiple payments which allowed their negotiator to work faster, so between that and them settling all my debt for much less than they originally quoted me, I ended up finishing a 24 month plan in 18 months. My counselor at Golden Financial Services was very transparent from day one, explaining the cons of each option and helping me pick the right plan. Rick Sorrentino is a pure genius. I picked Golden Financial Services over Freedom Debt Relief because their payment was much lower and Golden Financial had no BBB complaints, while Freedom debt relief had hundreds of complaints and government lawsuits against them. The lower monthly payment also caused me to be skeptical, but after reviewing Golden Financial's A+BBB rating and all of their positive online reviews, I decided to move forward with Golden Financial. I'll say today, it was one of the best decisions I've made financially, as I can finally move forward again in my life without having debt hold me back. Thanks so much to you all, including Melissa, Carly, Rick and the head attorney Alberto.

Rick was very Professional & Polite, Detail oriented in letting me know what the Golden Financial Services has to offer, and gave me the confidence, that I made the correct decision, to help me mend, and resolve my debt issues. I am so glad I saw the ad online, and and on may way to a better Financial Future, with debt settlements, and rebuilding a better credit status in the near future. I feel Rick goes over & beyond to make sure we free secure, and have secure financial resolutions. I am so Grateful, Rick took my initial call.

I would give zero stars if at all possible! Two years ago, I contacted Golden Financial to seek assistance with my debt. Based on their analysis and recommendation, I was enrolled in a program through a different company. Needless to say, the program has been a complete disaster. It turns out that the company Golden Financial referred me to as a "trusted partner" has several lawsuits pending against it and even more complaints to the BBB. Do not trust Golden Financial Services with your debt resolution. I am learning a huge lesson. I thought I had done my due diligence, but obviously I had not.

I called them because I was in a very tough spot. I was desperate! I'm so glad I did. They have numerous services that will help you in your situation. Celina helped me and she was not disrespectful and she listened to my problems attentively. She wasn't judgmental either. I would use them again if I need to. I HIGHLY RECOMMEND this company! I'm in a better position now thanks to this company!