Golden Financial Services


Overall Score

3 User Reviews

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Golden Financial Services is a debt settlement company that aims to ease the constraints of debt. The company has a great record of industry experience, having been in business since 2004. GFS provides a variety of financial services, including debt settlement, consolidation, counseling, and more. In 2014, it was voted the "#1 Debt Relief Company" by eKomi, a global feedback company.

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The Good

  • Years of Experience
  • Debt Settlement Calculator
  • Free Consultation
  • Protection 

Years of Experience

Golden Financial Services has over 12 years of experience in the debt settlement industry, which is longer than many of its competitors.

Debt Settlement Calculator

On its website, GFS has a calculator for potential clients to see how much they could pay for debt settlement. It is one of the few companies in debt settlement that offers this type of tool. GFS also has information in Spanish on its website that is easy to find.

Free Consultation

Because Golden Financial Services only offers its services in select states, the company offers a free phone consultation where a staff member will asses the financial status of the caller to determine qualification.


At Golden Financial Services an attorney protects all settlements.

The Bad

  • No Accreditations
  • Scalability
  • Lack of Clarity

No Accreditations

The most important negative aspect about GFS is that it lacks accreditation with the AFCC. Nation and industry-wide accreditations such as these help keep debt settlement companies in compliance with federal laws and best practices.


GFS is also a smaller debt relief company. The company employs between 11-50 employees, and there is no mention of a CEO, president, or chairperson anywhere on its website. This is a concern because the credentials of who is running the business are undisclosed. 

Lack of Clarity

From looking at Golden Financial Services' website, it is difficult to determine which services the company offers and which ones it simply consults on. The company does not disclose pricing information, minimum debt amount, or state availability. The only way to find out is to call the company and request a free consultation or ask for clarification. Additionally, some portions of the company website are difficult to navigate and do not appear to function as intended and are not intuitive. 

The Bottom Line

Golden Financial Services is experienced and offers free consultations to interested consumers. However, the company is not well accredited and does not provide a lot of important information on its website. For this reason, we recommend learning about more credible debt settlement companies.

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