Best Credit Card Debt Relief Company - Golden Financial Services

Golden Financial Services is a Nationally Recognized Credit Card Debt Relief & Student Loan Assistance Company — a message from their CEO “We treat every single one of our clients like human beings. We understand — each client has real life goals. It’s not just about how much debt you have. It’s about your life’s mission. What is your life’s purpose? What are you trying to do once you become debt free — if you can save “X” amount each month. What are you going to do with the extra money? What is your goal? Do you want to buy a new home or car? Or just save money? Possibly invest in a retirement account?” WATCH VIDEO……

This next video discusses Student Loan Relief (an interview between Golden Financial Services’, CEO, Paul Paquin; and Nikitas Tsoukalis, CEO at Key Credit Repair. 

Golden Financial Services (GFS)

At GFS, we specialize in Credit Card Debt Relief and Provide Student Loan Debt Assistance.

What can I get at Golden Financial Services?

You can pick from a full array of credit card debt relief programs and debt relief options at Golden Financial Services depending on your financial needs and goals.  

Some of these programs are offered in-house at Golden Financial Services, while other options are outsourced to industry leading debt relief partners connected with Golden Financial Services.

Often, debt relief companies offer one program and try to squeeze every single customer into their one program, leading to complaints and unsuccessful cases. 

Golden Financial Services acknowledges that not one program can assist each client. 

You can count on learning about all of your debt relief options when contacting Golden Financial Services. And only getting placed in the right program that fits your needs and goals. 

You can choose from debt settlement, debt validation, debt consolidation, small business loans, and student loan consolidation programs when contacting Golden Financial Services.

Is Golden Financial Services a direct lender?

Golden Financial Services is not a lender but rather works with hundred’s of lenders. Our online software platforms, make it easy to find the right lender to approve your loan within days. 

Take a look at what clients have to say about Golden Financial Services. 

Learn about Golden Financial Services and our debt relief programs.

Learn about Golden Financial Services;– what we do; who we are; client reviews; and about our debt relief options.

We strive to inform and educate consumers. Our method teaches consumers how to make smart financial choices.

We understand that financial stress just happens to be a part of life.

If you are in a financial bind, it is imperative for you to take the necessary steps to improve your financial health. We can help.

Call 866-376-9846 for a Free Consultation

Credit Card Debt Relief Programs that are A+ Rated!

Do you have too many bills? We specialize in Debt Relief Programs, and we can help!

Research and Statistics Show

  • In the United States, more than 600 million credit cards are in use.
  • The average APR on a credit card is higher than 12%. This does not include accounts that have a zero dollar balance.
  • The Total United States consumer debt is higher than $11.30 trillion dollars.
  • The total credit card debt in this country is equal to more than 849 billion dollars.
  • The total student loan debt in this country is equal to more than 900 billion dollars.

These staggering figures are the motivational factors behind our drive here at Golden Financial Services.

Unsecured + Credit Card Debt Relief Options

Stay current on your bills, but pay off your accounts faster and pay less interest. Learn more about this option here.

Debt validation is a tool used to protect consumers from abusive debt collection. It allows consumers to demand proof; that debt is a valid, legally owed obligation, devoid of invalidating causing such as mistakes, misrepresentation, concealment of material fact, and the like, about a particularly actionable contract or other instrument bearing the signature of the purported debtor.  Debt validation also allows an alleged debtor to demand proof of the debt collection company’s authority on the matter and a full accounting of the debt including where the funds lent originated. Absent such evidence, the debt collection company — MUST STOP ALL COLLECTION ACTIVITIES &  CANNOT REPORT INFORMATION TO THE CREDIT REPORTING AGENCIES.

Consumer credit counseling or consolidation plans can lower your interest rates, lower your overall monthly payments, and get you out of debt faster. See a detailed summary of the — PROS AND CONS associated with debt consolidation, consumer credit counseling, debt validation, bankruptcy and debt settlement — by visiting our San Diego debt relief headquarters page at next.

Bankruptcy can be the hardest option from which to recover. Therefore, filing for bankruptcy should be a person’s last option. Read more on bankruptcy here.

Debt Settlement or Negotiation

Credit Card Debt Relief Programs

Settlement Services

Debt negotiation or settlement is another alternative for consumers to examine. This route could significantly reduce a person’s total balances owed. Debt settlement has its drawbacks; however, it benefits outweigh debt settlement’s potential negative consequences — when a person has a financial hardship, and their only other option is bankruptcy. 

Golden Financial Services, provides a debt negotiation program for consumers to utilize — this type of program can reduce unsecured debt balances and provide an affordable monthly payment for clients. For a person to consider this option, he or she must have a high amount of unsecured bills and a severe hardship. A hardship situation includes having a significant reduction in a person’s income, a medical condition or disability, unexpected job changes, unexpected household expenses, addiction, divorce or having unmanageable bills.

Consumer Credit Counseling

At Golden Financial Services, we have aligned ourselves with the best debt relief options on the market; including “A+” BBB rated consumer credit counseling companies.

If this option is one that you qualify for, we can match you with one of the best consumer credit counseling companies in America.

Top Pages and Tools on this Website

As a financial services company, we are always researching new information. To follow our latest findings and to stay in touch with our research, we advise you to visit our blog on a monthly basis.

Are you looking to build good credit or increase your credit score? This page will assist you with building a high credit score.

Learn more about debt negotiation or settlement here if you have a hardship and overwhelming bills.

Have you ever tried a debt calculator? If you are attempting to pay off your bills on your own, then you should utilize this type of tool. Try our Credit Card Debt Relief Program and Minimum Payment ALL-IN-ONE Debt Calculator.

Credit Card Debt Relief FAQs

Visit our FAQs Page.

We recommend that you visit our Frequently Asked Questions section. These are real questions that people typed in on Google, before landing on our site.

We even share tips and proprietary information about teaching people how to settle the debt on their own. That is what we are experts at. We understand that not everyone will join our programs. We choose to help those people, rather than see them attempt to settle the debt on their own, not being prepared.

Here are a few more tips on settling the debt on your own.

Check out this video and download the summary that we created, on the Fair Debt Collection Practices Act (FDCPA). Understand your debt collection rights!

Have you completed a budget analysis for this month? Try this Budget Tool. It is a budget analysis tool that creates a visual, allowing you to see exactly where all your money is going.

Do you have children? This post will teach you how to raise your child to respect money, and not be spoiled. (5 awesome resources included)

Here is a fun post that we did during our series on “children and money.” Even though our focus as a company is on credit card debt relief, we still know how to have fun! Check this out!


Information Collected on This Website

The information on this site has been collected from Golden Financial Services, non-profit consumer credit counseling companies and attorneys that have more than ten years of experience.

Consumer information provided to this website will not be sold and will only go to Golden Financial Services offices.

Golden Financial Services provides potential clients with free consultations.

Our Company Address:

Golden Financial Services

600 Palm Ave

Imperial Beach CA, 91932

Call 866-376-9846 for a FREE Credit Card Debt Relief Consultation.

Learn About Paul Paquin – CEO & President at Golden Financial Services:

Paul Paquin started Golden Financial Services in 2004. Paul came from a Finance Background after studying at New York University and attending the University of Oklahoma. Before Golden Financial Services, Paul worked with industry leading Guro George Kokinos, who owned one of the first Non-Profit Consumer Credit Counseling Companies. Paul managed George’s company with over 200 employees for many years and obtained an experience of a lifetime, becoming a master in the debt relief industry before starting Golden Financial Services in 2004. Paul’s leading techniques allow Golden Financial Services to have a flawless debt relief program infrastructure and the company practically has no customer complaints. Paul Paquin is the CEO and President at Golden Financial Services, a national debt relief company that offers an array of debt relief programs. Golden Financial Services Studies debt and credit related laws, provides free financial education and debt relief information online. The company provides debt relief program information and assists on enrolling consumers into the appropriate debt relief program based on each individual’s unique circumstances. Paul Paquin speaks in various online videos and writes on different reputable financial and debt related blogs including, where he shares his findings and expertise. Paul’s company has been amongst the top companies positioned on Google for Credit Card Relief Programs, San Diego Debt Relief, and many more competitive phrases! Golden Financial Services has an A+ BBB Rating and great reviews at Yelp. Paquin states “our overall objective is to enhance people’s lifestyles by improving their financial health.” Paquin went to school at Oklahoma University and then transferred over to New York University where he focussed on finance and business.