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Solid Ground Financial

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LAST UPDATED: March 28th, 2022

Solid Ground Financial is a relatively new company working to help consumers be debt free. Since 2007, Solid Ground Financial has connected consumers with resources to help them with debt consolidation and credit repair. Consumers can also work with an experienced counselor to help them improve their financial situation. The debt consolidation company is known for treating customers well and also has a money-back guarantee. Consumers can get a better idea of what Solid Ground Financial has to offer by taking advantage of the company's free consultation with a certified counselor.

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The Good

  • Available in 49 States
  • Financial Tools and Resources
  • Assistance With a Range of Debt
  • Interest Rate after Reduction

Available in 49 States

Unlike many other companies, Solid Ground Financial serves 49 out of the 50 states. Most other companies either don't advertise this information or don't service nearly as many states.

Financial Tools and Resources

As a debt consolidation company, Solid Ground Financial helps consumers by providing access to financial tools and resources. For example, consumers who use Solid Ground Financial to help them with payday loan relief are promised that they'll be able to pay off debt quickly, end late fees, and lower interest rates, all with no hidden costs. Consumers will receive the Solid Ground Financial newsletter, debt guide, and other deliverables from Solid Ground Financial by signing up with the debt consolidation company.

Assistance With a Range of Debt

Solid Ground Financial promises to help anyone with less than $5,000 of debt to more than $20,000 of debt. This is helpful for consumers who are fighting to manage and eliminate debt regardless of the amount.

Interest Rate after Reduction

Customers who use Solid Ground Financial could see their current interest rates being lowered to anywhere from 6 to 9 percent. Added up over time, this could mean a savings of thousands depending on the amount of debt you have and your previous interest rates.


The Bad

  • Unknown Interest Rates
  • Short Time in Business
  • Lack of Accreditations
  • Lack of Transparency
  • No Accountability

Unknown Interest Rates

Solid Ground Financial does not disclose what kind of interest rates it can secure from creditors for its clients.

Short Time in Business

Compared to competitors, Solid Ground Financial is new to the scene. Many other debt consolidation companies have anywhere from 20 to 50 years of experience helping consumers with their finances. Solid Ground Financial does not have the depth of experience to offer as other organizations offer to consumers.

Lack of Accreditations

Another drawback about Solid Ground Financial is that it does not hold any major accreditations for the industry. While Solid Ground is accredited with the CC, the two main accreditations we look for are with the NFCC and the FCAA. This shows to consumers that the company follows best standards and practices for the industry.

Lack of Transparency

Solid Ground Financial does not have much information available on its website. Consumers are constantly urged to call or apply online to receive more information. It's not clear how much Solid Ground Financial charges for setup and activation or monthly fees.

No Accountability

In the service agreement, consumers agree to not hold anyone associated with Solid Ground Financial accountable for any loss, liability, or similar unfortunate events. If anything goes wrong, consumers agree not to pursue Solid Ground Financial in court by signing the service agreement. This can be discouraging for a consumer who experiences any type of loss as a result of actions by Solid Ground Financial.


The Bottom Line

Solid Ground Financial is available in 49 states and offers assistance with a wide range of debt. However, this company lacks transparency and does not display interest rates. They also lack major industry accreditations. We recommend researching other debt consolidation companies. 

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19 Reviews

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Lara Lenhoff Dallas, TX

I was skeptical at first, but as time progressed with SGF, I definitely began to appreciate the candor and willingness to help me from the team. They were very understanding of my situation, were accessible if I or when I had questions, and that meant a lot to me. After reading other reviews I was shocked that no one else was having as good an experience as I was. I walked through the calender and scheduled my payment dates and instead of the 8 month time frame I was quoted for my debts to be settled- it only took me 6! I was so ecstatic because things had been hard for a while. Much more fiscally aware and I know now to never go near another payday loan. Those companies are RIDICULOUS with their fees. Thank you so much SGF for educating me about budgeting and helping me understand structure and how to budget. I would definitely recommend this company to friends, family, or anyone interested in wanting to be free of the burden of these nightmarish companies.

6 years ago

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I have been pleased, so far with Solid Ground Financial. I got myself in serious trouble with payday loans and I applied online and received a call from a counselor named Johnathan. He has been helpful and was paying around $2000 dollars a month to the payday loan companies. Johnathan helped me to negotiate with the payday loan companies and reduced my payment to $700 dollars a month. I have only been working with the company for two weeks but so far I have been satisfied.

5 years ago

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Nina Asay Redwood City, CA

Great company handles all the negotiation and payment schedule for me on my outstanding debts. Went by very fast!

6 years ago