Radiant Financial Avis 

They are MISLEADING! I was told I was going to get a direct to creditor loan to payoff I agreed, next thing you know I'm being informed I'm working with another debt settlement company/debt relief program which I didn't want to do. So I made the company cancel my entry into their program. DO NOT TRUST RADIANT!

False advertisement, company is not the solution they claim as they are a debt management company that debits money from the consumer, saves it in an escrow and then pays the creditor while they take 30-50% of the money for themselves.

I was referred by a friend and the process from beginning to end was really great. The agent i worked with really knew her stuff and made the whole
experience easy to understand def recommend to any friends and family
members and anyone who needs help
w their debt to get that going.

I spoke to Ashley Francis on the phone about my inquiry. She's a witch. She asked me all kinds of questions and when it came to why my credit cards were current, she asked me how can I afford a loan? Then I said, maybe this isn't for me and she said I agree. I hung up on her after that.She was unprofessional and rude. I spoke to several other loan companies and even they said she should not have asked me those questions so they think they are doingbsomething sketchy. I sent her an unpleasant email calling her a witch because I don't tolerate anyone, especially her speaking to me in the manner she did. It's inexcusable. She messed with the wrong person today

I strongly encourage anyone considering Radiant Financial to thoroughly read every document before signing anything.

The sales presentation I received sounded far different from what the actual agreements disclosed. I was verbally led to believe this program would not significantly harm my relationship with creditors, that accounts would likely remain in good standing, and that this functioned more like a structured financial assistance or consolidation approach.

After reviewing the contracts carefully afterward, I discovered the program was fundamentally a debt-settlement structure that may involve intentionally allowing accounts to become delinquent while settlements are negotiated. The agreements themselves discuss potential credit damage, creditor collection activity, lawsuits, continued interest accumulation, and account closures.

That is materially different from how the program was framed to me verbally.

I cancelled almost immediately after researching the structure further and reading the actual disclosures in detail.

To be fair, the written contracts do contain many of the required disclosures and warnings. My issue is with the disconnect between the sales framing and the underlying mechanics of the program.

Consumers should fully understand:

* this is not a traditional consolidation loan,
* accounts may close,
* creditors may still pursue collections,
* and the overall costs and fees can be substantial.

Please do your research carefully before enrolling.

The staff is incredibly knowledgeable. They showed me exactly how much I’d save by paying off my creditors rather than dragging it out for years.

They really took their time explaining the difference between the way they do business and standard debt settlement. I felt much better knowing my creditors were handled privately - on the credit report it just looks like I did it myself.

Talk about quick gratification! Seeing the agreements put in place with my credit cards not long after starting is a good feeling..

They Truly helped me out by simplifying my life. Having one payment instead of 20 has been a massive weight off my shoulders.

I loved that they were not pushy. They just laid out the payoff timeline and let me decide if the loan was the right move for my situation.

The staff here made it easy. They're super helpful and know what they're talking about. Gave me really good information!