Golden Financial made us sign up for World Law Debt, they charged us every month and didn't do anything. We paid them $3200 and they didn't contact our creditors at all. Now they wouldn't return the money.

Company advertising on-line to negotiate credit card debt. After 3 months of automatic withdrawal from my checking account $387, plus initial "set up" fee of $99.00, company had never notified any creditors with proposals. I had been told not to negotiate or even speak to creditors, which I did anyway and found this company had never called any of them.Attempts at calling "customer service" always resulted in a "hold" period of anywhere from 15-30 minutes, in which case one"s frustration level kicked in and I would hang up. No messages left on their voice mail were ever returned.

Oakland
Don't trust these liars and thieves as far as you can throw a grand piano. Run as far and as fast as you can away from this scam racket. Kiss your hard earned money good bye forever.
These liars wait until the credit agency is ready to either sue you or charge off your account. Mean while your credit is devistated for the whole first year and then God knows how long after that. You will never pass a Government background check until you get this bad credit fixed.
Go right now to a reputable credit repair service (NOT ON ANY COMPLAINT SIGHTS) and your problems will be off your record in 2 weeks to a month at 10% of Golden Financial's rip off price, guarenteed.
Golden Financial is ripping you off and over charging you way too much for thier nonexistant services. All they are really doing is stealing your money and over charging you thousands for just depositing in their own bank and stealing commissions for no work at all while you credit is being totally destroyed.
I got conned by a scammer nemed Paul Paquin who is a sales rep for Golden Financial and works for an attorney named Mo Haffar and associats. They are now being sued by the California State Bar for Illegal Malpractice.
Read the other complaints above yours and in other rip off sights. Golden Fianancial is all over the internet as a big huge RIP OFF. Don't trust the BBB either. All they do is hide scams of the company who pays them to hide their illegal acts.
In the past year I have been contacted by many other A+ BBB rated scam companies and saved hundreds of dollars by trused the RIP OFF sights more than the BBB.