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Solid Ground Financial

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4.0

Overall Score

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LAST UPDATED: September 25th, 2023

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.

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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.

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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. 

View Best Debt Relief Companies

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Star Rating

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3.0

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21 Reviews

Review Breakdown

5 grade

38%

4 grade

14%

3 grade

0%

2 grade

0%

1 grade

48%

Sentiment Criteria

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Quality

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Lisa W. Valley Center, CA

As a Solid Ground Financial client I can tell that if you are in over your head with payments to loan companies that you simply can't manage anymore, contact this company and they will work directly with these loan companies for you and gain settlements. They have saved me from bankruptcy and the severe stress of trying to juggle payments. They truly care about you and offer very polite knowledgeable staff to help you through becoming debt free. Keep your end of the bargain making the agreed payments each month and they work hard to get you the best settlement possible for each of your accounts. Solid Ground is an amazing company.

4 years ago

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Edwin Castro Fairview, NJ

I have graduated from the programs at Negotiation Credit Services and Solid Ground Financial. I like to thank you for your help in helping me pay off debts owed to payday lenders. I was in over my head and your services saved me thousands of dollars. I was walked through the whole process and everything was made clear before entering the program. After I completed all the paperwork lenders were contacted immediately and negotiation started right away. Your team was completely professional and willing to help me when ever I had a question. I recommend your services to any one who can not get payday lenders out of their bank accounts. Thanks again.

7 years ago

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Stephanie Frizzell Cleveland, OH

This company saved my life! I was drowning in debt and about to be evicted from my home. I made the call and my enrollment specialist Consuelo was super amazing. She was non judgemental and made the process quick and painless. The customer service was amazing and they did everything they said they would do. I was even happier when I received an email from Jemarus stating I had completed the program a few months early! I have since referred some friends to Solid Ground Financial and would highly recommend their services!

7 years ago

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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.

7 years ago

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Louis Germantown, MD

Alex was amazing. He was on top of it all. Answered all my questions. Very professional. Highly recommend him. Thank you. The customer service was amazing and they did everything they said they would do. I would recommend their services!

4 years ago

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Keith

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.

6 years ago

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gary Houston, TX

all the folks are solid ground were extremely helpful and professional. never did I call of email, hat a person help me out. I would use them again and definitely refer others to them. thanks so much for your time, patience and help. gary l. boehm

7 years ago

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Donna Cooper Kannapolis, NC

I was drowning in payday loan debts, and I found Solid Ground. They were able to assist me with becoming debt free. Customer service qas great! My phone calls and emails were answered promptly, and they treated me with dignity and respect. I would recommend their services!

7 years ago

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Nece J Killeen, TX

This company is a bunch of lawyers. You call and call and call everyone's on lunch. No one ever answers then I called to cancel and all of a sudden. They havebaldys settlements with companies 3 weeks later. Then when I tell them I want to cancel. They tell me. I have 258 in my.

8 months ago

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Dave McMinnville, OR

If I could leave no stars, I would. I got ripped off a couple thousand dollars and am still going to have to pay debts directly to creditors. Solid Gold took my money then passed me to ERG who passed my account to Crown Legal Atlantic. I can’t find out any info about my status as no one from Crown Legal Atlantic will respond to my inquiries. DO NOT USE SOLID GOLD FINANCIAL!!!

5 years ago

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DANA BAXTER Amory, MS

I started with Solid Ground almost a year ago. I was sold out to another company called Viking Management. Which I find out later that Viking is a HUGE scam! Nothing has been taken care of and I am out of all this money now. Who knows if I will ever get my money back. And I am right back at square one minus quite a bit of money. I would not Ever advise anyone to use one of the companies. Deal directly with the people you owe. DO NOT LET THESE PEOPLE SELL YOU OUT AND KEEP YOUR MONEY!!

6 years ago

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Erika

We initially started with solid ground financial and our account was sold to Viking without our knowledge until after the fact. Between Solid Ground and Viking nothing has been resolved. Not only are we currently out of over $2500, but the loans are now reported on our credit reports and I cannot get any info on rather we will even be able to get our money back! Worse decision ever as we should have just worked directionally with the companoes we had the loans with.

6 years ago

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Niccki North Las Vegas, NV

Absolutely a scam. They sell you out to other companies shortly after your initial sign up then they have nothing to do with you. All my money now is tied up in court from the company I was sold out to as they are under a potential class action in the meanwhile none of my bills being paid like promised and puts me back to square 1. Beware and proceed with caution in my opinion

6 years ago

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Regina Providence, RI

Please stay away if you can. They are as predatory as the payday loans. Yes they negotiate with your payday loan companies for a lower settlement, but then charge you 20% of the actual balance so that you sometimes end up paying more than what you owed in the first place. They also mail you a box with credit counseling information once you become enrolled and charge almost $700 for this. Every time I ask them about the fees and how high they are they just keep saying "don't worry about the fees they are included in your payments".

6 years ago

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anna dillion

I was pleased overall with the company settling my debt and was shocked when another company Viking Management Services contacted me basically saying they were going to be handling my account and Solid Ground/Negotiation Credit Services gave them my account!1)Not happy about it because I now have to make the settlement payments because the new company does not pay any money to the debts!2)I feel I was entitled to be notified before they gave any of my information out!

7 years ago

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Keli Portland, OR

What a joke this company is. Their partner company says we will call you back. I have yet to get a call. I have emailed daily to get an answer. Sometimes more than once. I get told looking into it. I feel ripped off and lied to. Do not deal with this company

4 years ago

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Jennifer Hagen Woodburn, OR

Expensive and take forever to get started. Assuming that's so they can squeeze as many monthly fees out of you as possible.

6 months ago

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Mary Holder West, TX

Service was prompt and the customer service was great. Will use them again if needed.

7 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!

7 years ago

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Alfred Clark

Solid Ground Financial and Viking Management took my money and did nothing about paying back my lenders. I call and leave messages but I receive no return calls.

6 years ago

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Maria B.

Outstanding customer service overall!!!

7 years ago