Rate and Review

WFS Debt Relief – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.


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Which is the Real WFS Debt Office Building?

See comment below to Nick asking him which one is real. I had to post pictures here since I was unable to post them in comments.

READ  WFS Debt Relief & Whitelight Financial Services Scammed Me for $1,500. - Wes

I forgot to mention one other thing that’s nagging me a bit. You show a picture of what purports to be your office building on your contact form.

But the building Google Maps shows at that address is the one below.

Which is the correct picture of your office?

USBOA Fraud?

While looking into the comments below I discovered that while WFS claims to be “America’s Most Trusted Debt Relief Agency” and a member of USOBA, the Executive Director of USOBA says that they are not a member as they claim to be on their site. – Source


About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • These people are THIEFS. From June 2009 to Aug. 2010, I paid them $120.00/month for their services, even they did nothing for my case during that time. Now they are NO WHERE to be find and I am out of all the money that they received from me. Bunch a thief’s.

  • Nick,

    Since you could never answer who the owner of WFS Debt is, with some help from a friend the mystery has been solved however WFS Debt Relief & Financial Services is not the name of an authorized entity registered to do business in Florida.

    Whitelight Financial Services is a fake name registered in Florida that actually belongs to State Farms Financial, Inc. which was formed August 8, 2007 by Barbara Crager. She served as president till September 16, 2009 when the State was notified that Jeffrey Smith took over as president.

    Most interesting is the fact that when Barbara was president of your debt relief company State Farms Financial, she went bankrupt on April 8, 2008 (Case 3:08-bk-01916-PMG) and stated that State Farms Financial was worth $0. How effective are your services when they couldn’t help your then president?

    She had the usual range of debt, some small collection accounts, student loans, foreclosure, car loan, etc. She listed her employer as Wilson’s Tax Service and said she was a tax accountant.

    Nick, this is not me busting on you. The company you represent, WFS Debt Relief, should at least be registered as a fictitious name with the State of Florida. You should know your company is really State Farms Financial, Inc. and if you are going to have a picture of a big building on your site on your contact page you should make sure it is actually your building. Otherwise you are misrepresenting your services you location, status, and authorization to do business.

    USOBA still wants to talk to you though.


  • My name is Nancy and Im a local client of theirs and it is truly disgusting that you are insulting a company you know nothing about just to promote your own website. There are hundreds of companies that have taken advantage of people and yet you designed a website to bash a company that has actually helped people. Debra saved me over 3,000 dollars on my taxes last year and I was even invited to one of there fund raisers. My advise to anyone that works for w debt (DO NOT RESPOND TO ANYTHING) Mr Rhodes is simply trying to promote his own website

    • Nancy,

      I welcome your opinion and feedback. Maybe you can help to clear up the question the company can’t seem to answer, what is the name of their company that is registered to do business in Florida. As far as I can fine they are not registered to do business in Florida and because of that all their contracts are voidable. It’s not bashing the company, making sure they are registered is protecting the consumers.

      In addition, while you are welcome to slam me, but how to you respond to the fact they promote themselves as members of a national trade association USOBA, but they are not. If they are not being truthful about that or their registered corporate name, doesn’t that make you wonder? It does me.

      And you mentioned they invited you to a fund raiser. Fund raiser for what?

      How did they save you taxes? Please don’t tell me they sold you a tax shelter.


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