Owens Estate and Wealth Strategies Group - Grass Valley (CA)

Its Gem You’re better off putting it on your credit card or using CareCredit! I would NOT recommend Scratchpay! I applied for a scratchpay loan at the Vets office and I thought I would like the concept of getting a quick loan but DONT DO IT. I would not recommend even out of desperation for saving your pets life or trusting the vets recommendation of using it. They charged me fees and never notified me of the additional fees and they dont send statements! Cons: -The company/lender has extremely high rates—higher than a credit card or personal loan from your bank/credit union. -They do not have any self-serve options to edit/update your contact info online (address, email, phone). -I have to call them or email them whenever I need anything including my statements! (Violation of Reg Z in the TILA, would recommend all to file a company with the CFPB and FTC) -Whenever I emailed them about not seeing my payments online and being sure it was a technical issue, Ethel never wanted to escalate it or help. -Almost every concern or question i have had, there is nothing that can be done about it. It seems this company and its digital platforms were just thrown open without consideration of the user’s/applicants. Customer service and the online platform are extremely and unhelpfully limited. Changes to my profile such as removing, editing or hiding information cannot be done online. There are no log in options and users are forced to not only use their phone number to log into their account but send google their information/phone number (read the fine print at log in). There are NO options to NOT share that phone number with google. Of course like all companies say “we value your privacy” but it is evidently not true with this one. In addition to not being able to control my own profile, this loan CANNOT BE USED AT DIFFERENT FACILITIES. Which means if you go to your primary vet and they start treating your pet and then they recommend you to switch to an emergency care clinic- you cannot use the same scratchpay loan. You will have to take out another loan. Aside from all the limitations, they don’t even give a proper statement! There’s no option online to see each charge. So if you go to the facility 3 different days and get 3 different charges you will NOT SEE 3 different amounts charged and by whom- you will only see 1 lump some. Make sure to get receipts from vet otherwise you’re SOL.

Tamryn Watson I’ve been working with Sean, Christine and the Code Accounting team for 10+ years across multiple ventures, and can confidently attest to their excellency. With a background in accounting where precision and efficiency are paramount, I truly appreciate their competence, agility and straightforward service under Sean’s leadership. Their professionalism, accuracy, and attention to detail consistently exceed expectations. Sean is incredibly thorough, reliable, and ensures everything is correct and up-to-date. He is always responsive, trustworthy, and willing to go the extra mile for me. The team promptly addresses questions and keeps you well-informed throughout the process, making collaboration smooth and hassle-free. What sets Code Accounting apart is their comprehensive understanding of tax code and AP/AR. Sean’s expert advice has given my businesses a solid financial foundation and peace of mind. His insights have been invaluable in helping us make informed decisions and develop smart accounting strategies that positively impact our bottom line. Beyond the expertise and excellent service, the value we receive from Code Accounting is outstanding. They handle our affairs efficiently while delivering exceptional results that make a palpable difference. If you’re looking for a skilled, reliable CPA and bookkeeper who truly understands their clientele and provides clear and effective service on top of a fair value, I highly recommend Sean and the entire Code Accounting team without reservation.

Ziang Her Ive worked with the owner of Recovery Credit Repair on several occasions and shes always been really transparent with their company workflow and guidelines. Everyone Ive met at this company has been super responsive with my questions about credit, how it is impacted and how it impacts big purchases like a home purchase. I will definitely be using them again and I refer clients to them because there is zero cost for their credit consultations. They work with you a month-to-month basis. No long term contracts is always a plus in my book since credit repair time frame is different for every person.