Smart Money Capital Avis 

William O. was beyond helpful, informative, knowledgeable, thorough and kind. I truly have a weight lifted off of my shoulders.

Justin went over everything in plain english and explained all the details. very professional. I greatly appreciate his help.

Very knowledgeable and easy to talk to.

Marcos Ducret was very helpful, and answered all my questions. He made the process much easier.

Friendly and knowledgeable

Knowledgeable and helpful staff. Friendly making process more enjoyable to go through.

easy process and very helpful Thank you Richard and Chris.

Great experience, I feel that I was truly helped with my financial issues

Initial call was easy and not too long. Everything was explained plainly and questions were answered easily and without confusion.

This Representative was patient,professional and,caring . He made me feel that he was willing to help me with my needs.

Marcos did an awesome job in the way of communicating all the information clearly to the point very professional.

I'm giving 2 stars because although I decided not to go through with it, this might work for someone who is behind with their payments and really struggling to keep up with their debt. I would just caution about giving sensitive personal and banking information on a recorded line for "verification" purposes.

As for my experience, to begin with, I do not like talking with someone using a script. I guess it makes sense that he must go over certain points on a recorded line to protect the company from people claiming ignorance to the process when their expectations are not met. However I couldn't get a straight answer at first about whether they can offer an unsecured personal loan as the advertisement I received in the mail alluded to.
It is my personal opinion that it was a lure to get my information and offer me the services of their "trusted" partner, a company called Cordoba.
Another red flag I ignored was that the agent I was working with made a point, at least twice in our conversation to mention a client he claimed was a "judge" that had a great experience and the services offered helped that person greatly. I'm not impressed, for all I care it could have been someone who judged food contests, whatever. It is my experience when someone tries to impress you with who they know, they are trying to sell a baloney sandwich and say it's caviar.
Now here is the most disturbing and egregious practice in my whole interaction, they expect you to give your personal information including social security number, bank account and routing number ON THE RECORDED LINE.
Honestly, I feel like a fool going along with it because I know better but now I have a fraud alert with the credit companies and closed that bank account just as a precaution.
Also I suspect the agent/representative I spoke with straight lied to me this morning when he said they already spoke to my creditors last night and that they were already working with them. This was an obvious reach to get me to reconsider canceling.
All of this has left an unsettled feeling about doing any business with this company and I am glad that I cancelled.
The cancelation process was not easy, I had to call customer service and waited on the phone a while. When I spoke with that representative it was like breaking up with a needy boyfriend that just "wants what's best for you" and he knows what's best even if you don't - that was definitely the vibe.
But I received email confirmation that day of the cancelation and I am hopeful that's the end of this transaction.

They explain to me the process, make me feel comfortable and understand the credit situation to better my credit.

Marcus was so helpful in getting me to understand the process. He made me feel very confident in getting back on track.

Outstanding

Excellent service. Very informative. Pleasant communication with agent.

Having helpful people who could explain well to me and they were very helpful,

Very helpful...walked me through every option available to me saved me a tone a money a month...I recommend them to all who are looking to save money n get debt free fast ...I recommend speaking with rep. Leah she was the best

I called for the debt consolidation and was told that my credit card balances were past the 30% so because of that is why I was not approved with them. I explained that I renovated my home and used my credit cards to fund it. I don't understand if my debt to income ratio was good then why deny due to the balances, when I'm calling to consolidate them. The representative was very nice about it, but the process seemed very sketch to me and made me think they just wanted my email and phone number to sell to another company. They also were trying to send me to another 3rd party company. This wasn't a good experience.