Erik C. Severino

Hi, I want to thank the Members of this Forum, you guys have been a great help to my credit journey. A few years ago, I messed up my credit. I had a few charge offs from Discover bank, Capital one bank, and Chase bank. After a month with PINNACLE CREDIT SPECIALIST, I was able to get all 3 charge offs... removed. Now I have started to build my credit with a clean slate. Back in April 2025 I was approved for a US bank secured credit card with a $5,000 limit. I recently got a pre-approval from capital one for savor, this morning I took the offer and was instantly approved for the $5,000 limit. My current score is Experian 782 TransUnion 746 EQUIFAX 764 these are fico scores. I currently have no late payments, no charge offs and no collections or public records. My current utilization is at 6.4%. Also, I can’t seem to understand why my EQUIFAX score is so low compared to other credit agencies. Pinnacle Credit Specialist has done it for me, and I want the world to know about him. Contact him via: [email protected] or call +1 (409) 331-2269

If you are looking for a lawyer that knows how to get you out of debt and will be straightforward to you in what you need to do and where you stand. He is your guy. Atty Severino is very knowledgeable and trustworthy. I love how he responds to you right away when you have questions and will not leav...e you hanging. He explained the process of bankruptcy in details and will walk you through the steps to meet all your requirements. He is very straightforward and is really willing to help. I will recommend him to all my family and friends that will ever need fresh start.

Erik has been an excellent source of guidance and an advocate for me throughout the Ch. 13 process, I have no doubt that I got one of if not the best bankruptcy lawyer in Las Vegas. I did extensive research, read reviews, and went on more than a few free consultations before deciding to meet with him.... He went well beyond a reasonable time frame during our initial consultation, which helped seal the deal on my end. Being one of the very, very few lawyers in the area with all 5 star reviews, I can attest to the fact that he has earned it and more over the last 10 months we have been working together. The best impression he left me with after meeting him was that he was interested in me as a person and helping me get the best settlement in my case, I wasn't just another obligation or payment to pad his bank account, which is the distinct feeling I got from some of the other attorneys I spoke with. Bankruptcy is a process that has many variables and can be extremely scary if you don't have good representation. His knowledge of the system and the process made it much smoother with a better end result than I thought I would have. There was some information that he was unsure about in my case but did the research to nail it down in a timely manner. He is always very professional but yet personal enough to be reassuring about any fears or concerns. He has also proven to be a very intelligent, highly skilled out of the box thinker - he is the ONLY lawyer who looked ahead and adjusted for several factors that would ultimately affect my overall settlement amount and monthly payment. That skill set has certainly made this bankruptcy as affordable as it can be for me and I appreciate it. He is a great communicator, very punctual with responses to emails and always available for my endless emails and questions about developments in the case and how things would shake out. Even though my case has been settled and under way for almost a year, he still gets back to me about any new issues as if it was the first day of our business together again. Truly a rare breed of professional, I feel fortunate to have found him and am really glad I took the time to do the research instead of just jumping at the first lawyer I spoke with out of fear of the situation and just want to dump it off on someone else to handle it. I have absolute confidence that anyone who chooses to go with Erik Severino will never look back with hesitation or regret about their decision as I did. Thanks Erik, even though I have to pay my dues, I feel extremely fortunate to have been able to work with and am truly grateful for all that you did for me. I haven't lost a second of sleep wondering if I might have had a better outcome with another lawyer. You're the best!