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Central, Northern and Western Arizona

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This Business is not BBB accredited

ELH Consulting

Additional Locations

Phone: (877) 898-0109 Fax: (480) 838-2605 View Additional Phone Numbers 2023 W Guadalupe Rd Ste 11-217, Mesa, AZ 85202 View Additional Web Addresses


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A number of consumers have reported to BBB that E.L.H. Consulting / Proactive Planning Solutions offers to consolidate and/or obtain lower interest rates on consumer's credit cards in exchange for an upfront fee that may be $799, $990, or $995. Consumers allege ELH Consulting promises to lower interest rates on their credit cards and save them thousands of dollars. Although ELH Consulting advertises " We provide our clients with extensive educational material teaching about topics from interest rate reduction; mortgage information; banks and finance companies; types of credit; and much more", consumers allege that after receiving the information and paying the fees, the company is difficult to reach. Some consumers allege long delays in receiving information or say they do not receive information at all. Many consumers allege confusion about the program and say that when they attempt to reach ELH Consulting for an explanation, they are not satisfied with the response. Other consumers allege when they have attempted to obtain a refund from ELH Consulting, they either have experienced difficulty reaching the company, or are told they will not receive a refund and do not. 

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered the rating for ELH Consulting include:

  • BBB concerns with the industry in which this business operates
  • 102 complaints filed against business
  • Failure to respond to 62 complaints filed against business
  • 3 complaints filed against business that were not resolved
  • 14 serious complaints filed against business
  • Overall complaint history with BBB
  • Government action(s) against business

Customer Complaints Summary Read complaint details

102 complaints closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 14
Billing/Collection Issues 6
Delivery Issues 6
Guarantee/Warranty Issues 9
Problems with Product/Service 67
Total Closed Complaints 102

Customer Reviews Summary Read customer reviews

4 Customer Reviews on ELH Consulting
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 4
Total Customer Reviews 4

Additional Information

BBB file opened: November 18, 2003 Business started: 10/01/2003 Business started locally: 10/01/2003
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Arizona Department of Financial Institutions
2910 N. 44th Street, Suite 310, Phoenix AZ 85018
Phone Number: 602-771-2800
Fax Number: 602-381-1225

Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Emory Holley IV, Member Ms. Lisa Miller, Owner Ms. Heather Askwig, Office Manager Ms. Roxanne Franklin, Compliance Manager Mr. Jack Holley, General Manager
Contact Information
Customer Contact: Ms. Heather Askwig, Office Manager
Principal: Mr. Emory Holley IV, Member
Principal: Ms. Lisa Miller, Owner
Related Businesses
National Bankcard Monitor, LLC
Business Category

Debt Relief Services Credit - Debt Consolidation Services Credit & Debt Counseling

Alternate Business Names
ACC Financial Connections LLC Allied Corporate Connection E.L.H. Consulting, LLC Forrest Marketing Joshua Tree Consulting Key One Solutions, Inc Market Advantage Proactive Planning Solutions Trust Tech Solutions
Industry Tips
Credit Repair and Debt Relief/Credit Cards Debt Consolidation/Bill Paying Services Debt Relief Services

Customer Review Rating plus BBB Rating Summary

ELH Consulting has received 1 out of 5 stars based on 4 Customer Reviews and a BBB Rating of F.

BBB Customer Review Rating plus BBB Rating Overview

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Industry Tips


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