Claim this Profile is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative
of this company?

Claim this Profile

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.

Rank Chart
Debt Requirement









The Good

  • Free phone consultation
  • 12+ years of experience
  • All settlements are protected by an attorney


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 their 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 a tool like this. GFS also has information in Spanish on their 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.

The Bad

  • Overall lack of transparency
  • Scalability
  • No AFCC accreditation

No Accreditations

The most important negative aspect to highlight about GFS is that it lacks accreditations with the AFCC. Nation and industry-wide accreditations such as these help keep debt settlement companies on top of 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 their website. This mainly concerns us because we don’t know the credentials of who is running the business. We like to see when companies are transparent with this information.

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 or as you would think.

Want to know which debt settlement companies are top rated? Click here.

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.

View Top Rated Companies

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

1 Golden Financial Services Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


    Sort By:

  1. User Score


    June 22nd, 2016 New Windsor, NY

    They offered me a student loan consolidation for my federal loans and cut my payment from $710 down to $59 per month. They resolved my private student loans and included credit repair for free. Its just unbelievable the results. Thank you

    Read More

    Was this review helpful?