Financial Restoration Made Simple!

Customized Financial Solutions Specific To You

Financial Restoration is a comprehensive approach that is designed to help consumers resolve distressed debt through asserting their legal rights under the Fair Debt Collection Practices Act with an emphasis on ongoing personalized financial education.

The Program Is In Three Phases

Phase 1

Introduction and ground work. The initial phase is credit monitoring and financial education. The focus initially is on budgeting, spending tracking, and establishing an emergency savings fund. The goal is to learn to live off of cash instead of credit. During this phase we also educate clients on their rights through the nation’s leading consumer protection law firm.

Phase 2

Is resolving the debt through their right to dispute the third party collector’s right to collect on the debt. Many if not most debt collectors are not collecting the debt pursuant to the law and otherwise violate consumer rights along the way. This holds them accountable to do it within the framework of the law instead of using unfair and deceptive practices to scare and intimidate consumers that are not educated about their rights.

Phase 3

Is focused on life after the program. Setting and achieving long term financial goals. There is a heavy emphasis on education including but not limited to: consumer rights, credit accelerator, statute of limitations, savings strategies, and healthy utilization.

Program Benefits


Financial Coaching

Consumer Protection

Discount Program

Fico Builder Tool


Savings Guaranteed!

Enroll Today To...

Resolve Your High Interest Debt

Make one low, easy monthly payment.

Avoid Bankruptcy

Need an alternative to Bankruptcy? Enroll in our Financial Restoration program today!

Start Building Today For A Brighter Future

We will help you set and achieve long term financial goals so you can put a downpayment on a home.

Apply Now For A No Obligation Consultation

Easy Onboarding Process


Fast & Free Consultations

100+ Years Of Collective Experience

Let Us Find The Right Financial Solution For You

Optimum Financial
3639 Midway Drive Suite B #245, San Diego, CA 92110

Important Legal Disclosures & Information

* Disclosures: Certain material on this website and the information it contains are in connection with unsecured, closed-end personal loans referred by Optimum Financial.  All loan requests are funded by a third party. Optimum Financial has no control over any participating lender’s creditworthiness eligibility criteria. APR/interest rates will vary depending on your specific circumstances and each individual lender’s terms, and range from 4.99%–35.99%. Loan amounts range from $2,000 -- $100,000. Loan repayment terms range from 6 months to 60 months. Not all who respond to this offer will qualify for the lowest interest rate or the maximum loan amount, as excellent credit is required for the best terms. 

Optimum Financial does not endorse any participating lender, broker, debt settlement provider, financial restoration or other provider, and will not charge you for referring you to any such participating provider. Optimum Financial is not a lender or creditor, and does not act as a loan broker, debt relief or settlement provider, financial restoration or credit counseling provider, or a credit services organization. Optimum Financial is not a law firm and does not provide legal or bankruptcy services or advice. Optimum Financial merely performs research related to its network of lenders, debt settlement providers, financial restoration professionals, and other service providers referenced on the website, and refers you to participating providers with whom you then deal directly. For details, questions, or concerns concerning the specifics of a particular offer, please contact the relevant provider. Lenders may perform credit checks in order to evaluate your eligibility. This service is not available in all states and does not constitute an offer or solicitation for loan products or any other service or product referenced on the website that is prohibited by any state law. Void where prohibited. 

Based on past results, individuals that enroll in a debt settlement program and remain in through graduation from the program see savings on their enrolled debts of approximately 40% before fees or 22% when the debt settlement company’s fees are included. There is no guarantee of such savings. Not all debt is eligible and not all clients graduate the program for various reasons, including ability to save the necessary funds. Ensure you understand all program materials prior to enrolling, including the potential impact on creditworthiness. 

Lenders we refer to you may be unable to extend credit if the lender determines that you do not meet, or no longer meet, the criteria for which you were initially approved for an offer. Loan approval is subject to verification and confirmation of certain information, including, but not limited to, your identity, credit history, and acceptance by the lender. Optimum Financial or relevant lenders may request verification of relevant information, including income, employment, or other information. Your APR will be determined based on verification of your credit and other criteria at time of completing the lender’s loan application.

** In order to check your loan options with the lenders in Optimum Financial’s network, Optimum Financial will perform a “soft” credit pull, which will not affect your credit score, to review certain of your credit report information. Optimum Financial will use the information obtained from this soft credit pull to determine the options available to you. If you decide to proceed with one of the available loan options, and choose to complete a loan application, the lender will request your full credit report from one or more of the consumer reporting agencies. This is considered a “hard” credit pull and may affect your credit score.