Ash Garemani is a liar and a scammer
Ash Garemani is a liar and a scammer. He lied to me about the timings of negotiations with the credit card companies, lied about the loan availability (he said that he could get me switched to a personal loan within less than 6 months of starting the program and it wasn't true at all and I have all his lies in writing from him). He tried to push me to give him a "5 star review" right at signing me up, but I told him that I had to see first how things were going, he said that he would walk me through the entire process until I get the loan and settle with all of the credit card companies and sure enough he disappeared after signing me up and doesn't respond to messages anymore. He told me that everything would be resolved and settled within six months and I'll get a final payment plan that will be replaced with a loan, and it was just another lie. Extremely disappointing experience.