Learn why our content is free. Ranking and Income Disclosure .


Company Logo

Golden Financial Services


star star star star star_border
What is GFS? Golden Financial Services is a debt settlement company that focuses on settling credit card and student loan debt with creditors for less than what is owed.
Who is this program for? People with over $7,500 in unsecured debts who can’t meet their minimum monthly payments.
How long will it take? GFS’ program takes 3-5 years
How must will it cost? They do not disclose their pricing.
How much will I save? Based on the calculator they provide, you will pay back around 65% of what you currently owe.


Low Minimum Debt Requirement

Golden Financial Services provides debt relief services through negotiation to help consumers reduce the amount of debt they owe to creditors. The company requires a minimum of $7,500 in unsecured debt in order to qualify and aims to give clients relief in three years or less.

Credit Card Lawsuit Help

Golden Financial Services has a program for those who are in credit card lawsuits. They offer a free consultation helping consumers locate a lawyer to plan to resolve any legal issues.

Positive Reviews

The Golden Financial Services reviews on our site are mostly all positive (average rating is 9 out of 10 from their customers). These positive reviews highlight the company’s speed of debt resolution and great customer service.

View the best debt management companies


Unclear Pricing

Pricing is not clearly defined and may cause confusion for potential clients. We found this is due to the different programs offered in individual states. Information on the website for pricing is relative to the debt owed and interest rate charged, as well as state programs would go a long way to solving this problem.

Small Company

Golden Financial Services is a fairly small debt management company, with a total of about 10 employees. Other debt relief companies have more personnel resources to take on more clients and put more time into each client’s case. To compare, Freedom Debt Relief has over 500 employees.

Our Recommendation

Their lack of pricing and accreditations cause to not recommend them at this time.

Golden Financial Services lacks some accreditation which many consumers look for in a settlement business. A free consultation is offered to determine which program is available in each state.

We feel it’s important to ensure consumers taking advantage of the consultation to be thoroughly informed about the dynamics of the services offered in their state. Ask questions.

Obtain documentation of what is being purchased before purchasing due to the lack of concrete information existing on the website. View Top-Rated Companies

Golden Financial Services FAQs

How much does Golden Financial Services cost?

Undisclosed. Detailed information about your specific debt situation can be obtained through a free consultation.

Are there any up-front fees?

No. There are no upfront fees.

What types of debt relief does Golden Financial Services offer?

The company’s main service is a debt settlement program. They will also counsel on a wide variety of topics:

  • Bankruptcy
  • Credit card lawsuits
  • Debt consolidation
  • Small business loans
  • Student debt assistance / consolidation

Another perk is a credit card debt calculator located on the website. All you need to do is enter in your current level of debt, interest rate, and the amount you can afford to pay each month. Then the calculator shows a table comparing debt settlement, consumer credit counseling, and how things would turn out if you continued to pay off the debt on your own.

You get to see how long it will take to pay off the debt via each of the three options, the interest rate, and the monthly payment.

Can I get a free consultation?

Golden Financial Services provides free over-the-phone consultations. They will talk through your debt problems, say which solution is best for you, and provide estimates on how long it will take to pay off your debt. They also have services for those who are in credit card lawsuits. They offer a free consultation that could help you get set up with a lawyer and plan to resolve any legal issues.

Does Golden Financial Services offer a money-back guarantee?

Yes. If a settlement is not reached, then the company will refund any payments that you have made up to that point. In the case of settlements, the funds are held in a 3rd party account that you have control of.

What types of debt do they work with?

The company only provides services for unsecured loans.

How long have they been in business?

Golden Financial Services has been in business since 2004.

Can I cancel?

If you are at any time dissatisfied with the service, you can pull out of the program without having to pay a cent more and you’ll get to keep funds accrued for settlement.

What is the minimum debt I can enroll?

The minimum debt accepted for debt settlement is $7,500

What accreditations do they have?

  • They do not have AFCC accreditation.
  • They are accredited with the IAPDA and AFSLR (Association for Student Loan Relief)

How We Rank

We employ a qualified debt companies expert to rank and review debt companies.

See Review