Carlton Bentley and Penn,Inc.

Carlton Bentley and Penn,Inc.

Reviews Summary

Customers consistently praise Carlton Bentley and Penn, Inc. for their expertise in resolving complex commercial debt, landlord disputes, and vendor issues. Their persistent negotiations often result in favorable no-interest payment plans, significant savings, and fair settlements. Clients highlight regular communication, diligent updates, and successful outcomes even in challenging cases. Many recommend their services for business debt mediation, emphasizing their professionalism, reliability, and ability to achieve results beyond expectations. Long-term clients particularly value their consistent performance across multiple cases.

About This Listing

Business Consulting
IRS Representation
Financial Advisory
Risk Management

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Business Consulting
IRS Representation
Financial Advisory
Risk Management

Contact Information

Address

1902 Wright Pl #200

Carlsbad, California 92008

Hours

Sunday Closed
Monday 9AM-5PM
Tuesday 9AM-5PM
Wednesday 9AM-5PM
Thursday 9AM-5PM
Friday 9AM-5PM
Saturday Closed

Customer Reviews

I hired Carlton Bentley and Penn, Inc restructure a major loan with a US Bank. They worked nonstop for four months and came up with the payment plan to fit my budget. Along the way I received regular updates on the negotiations with the bank and I am very happy with the end result that they were able to obtain for me and my business. If you have any business creditors that you need help with do not hesitate to call them.

Carlton Bentley and Penn, Inc. Worked non-stop for 18 months on a very difficult landlord matter for my non-profit organization and myself. I always received regular updates from them. I was quite pleased with no-interest multi-year payment plan that they were able to achieve for me. I absolutely 100% recommend these guys if you have landlord issues.

We hired Carlton Bently and Penn, Inc on February 1st 2024. They resolved a very difficult REiT landlord issue before the end of the year. We were quite pleased with the results.

In the middle of the pandemic, back in August of 2022, I hired Carlton Bentley and Penn, Inc. to make new payment arrangements with one of our suppliers. After several months of negotiations they were able to craft a new no-interest payment plan for five years for me, my wife and our business, which we are really happy about. If you find yourself in a similar situation, please do not hesitate to call them. You will not be disappointed.

In August 2018 I hired Carlton Bentley and Penn Inc to negotiate a payment plan with one of my creditors. After several months of negotiations they reached a very good result for me. They stayed on top of the whole process throughout and gave me regular updates through out the time they worked on the matter. I would really recommend Carlton Bentley and Penn if you are in a situation that you can use commercial debt mediation and want good results.

In March 2019 we decided to hire Carlton, Bentley and Penn to restructure a very large commercial credit line that we had with a major lender. A little over a month later it became mission accomplished by this great firm. My husband and I were quite surprised by the results. If your business has any kind of commercial debt concerns, please do not hesitate to contact them.

We had a dispute with a large Commercial Bank and we had tried everything to get this issue resolved and were not able to make any progress. We ended up hiring Carlton, Bently and Penn to help us find a solution. Over the next year, they were successful in getting the Bank to agree to mediation and eventually negotiated a fair settlement that both parties can live with. Highly recommend using Carlton, Bently and Penn if you want to get your financial issues resolved at a very reasonable price. Great alt

In March of this year I hired Carlton Bently and Penn Inc. because I was having a major disagreement with a major credit card company. In August of 2017 they came up with a payment plan for me to pay back the credit card company without the necessity of going to the bank and getting a loan. Instead Carlton Bentley and Penn got the credit card company to give us 36 months to repay there discounted balance at no interest. Carlton Bently and Penn are a fine group of business debt resolution professionals. Do

On March 3, 2019 I hired Carlton Bentley and Penn,Inc to work out a settlement with my work comp carrier who over charged my company. After two years of non stop hard work they were able to cut my balance in half and set up a three year no interest payment plan to fit our company budget. I am very happy with the result that they we're able to obtain from this difficult insurance company.

My partner and I hired Carlton Bentley and Penn, Inc. to restructure a loan with a major factoring company in July 2020. Throughout the process, their representatives called me on a regular basis to keep me informed on how the negotiations were doing. At the end of the six months, we were all able to agree on a payment plan which included close to a $25,000 savings for our company. If you are having similar issues, I recommend calling them to help you and your company!

In December 2018 I hired Carlton Bentley and Penn to handle a $61,899.36 disputed balance with my work comp carrier. After placing my employees in the correct rating class they were able to reduce the balance to just $5,387.36 in only 3 months. Here is to a job very well done Guys!

If I had to give Carlton Bentley and Penn, Inc. a score of 1 - 10 for the work they did for my wife, I would give them an 11!! This is because they were able to negotiate a four-year repayment plan with a major credit card company with no interest. I am thankful for their expertise and recommend them wholeheartedly to the business community.

On July 1, 2019 I hired Carlton, Bentley, and Penn to work out a payment plan with one impossible customer. After working non-stop for the last 18 months along with working through his years pandemic they were finally able to accomplish a resolution on January 9, 2021. It was a pleasure working with them and I highly recommend them, they have been a great help to my business.

I have been working with Carlton Bentley and Penn since April 2014. During these past 4 years they have successfully resolved 47 vendors totaling over $500,000 for my business. Because of their hard work and dedication I was able to position my business for a successful sale. At the end of the day, this commercial debt mediation firm was able to save me a lot of money. When it comes to commercial debt mediation they are the best in this particular industry.

I hired Carlton Bentley and Penn, Inc to resolve a very difficult vendor supplier issue for my company. They worked on the matter diligently for over a year giving me periodic updates on the case. They were very good in handling the details and walking me through the whole process before hand and as it unfolded. I trust their expertise is effectively solving business disputes of this type. I was pleased with the results and would not hesitate to use them again.

We own an equipment company and we were having issues with a major credit card company. Carlton Bentley and Penn, Inc worked with the major US corporation and was able to negotiate a great settlement with very favorable payment terms. We were very happy with their service and would highly recommend them.

In November of 2019 I hired Carlton Bentley and Penn, Inc. to work out a dispute with one of my vendors who over-charged my company by 100%. After nine months of non-stop negotiations, the Carlton firm was able to get your balance down to where it should be, and get this particular vendor to give me a no-interest loan for 30 months in order that I could finally pay them what we actually owed.

Carlton Bentley & Penn handled a landlord matter for our business. All throughout the process they kept us updated. After working for close to a year w/our attorney they were able to bring this matter to a successful conclusion. Personal contact made all the difference! I recommend them for all types of business disputes.

Carlton Bentley and Penn, Inc.has handled several matters over the past few years for our roofing company. They give regular monthly updates and always stay ahead of our creditors. The end results being payments that fit my budget like a key. I would highly recommend this company.

For close three years, Carlton Bentley and Penn, Inc. worked on a matter for my business and me. It involved a very difficult and demanding client. Last month, they were able to bring all sides to the table and rsolved this matter to our complete satisfaction.

I have been working with Carlton, Bentley and Penn for around seven years now. They have resolved multiple matters for me very successfully. They are the go to people for business debt management. If you have a need for this service I would recommend them.

Our family printing business worked with the commercial debt mediation firm of CARLTON BENTLEY AND PENN INC. From April 11, 2011 thru April 11 2015, during this time period they were able to work out successful payment plans with numerous commercial creditors of ours and thus, get our business back on track. I would highly recommend them.

Last summer I was having a disagreement with one of my suppliers.They sold me some defective items for my business so I decided to ask Carlton Bentley and Penn inc to help me resolve this issue.They worked close to eight months and finally resolved it amicably.There communication was amazing very happy with the results and would definitely use them again if needed in the future.

Carlton Bentley and Penn worked tirelessly to resolve some major credit issues I had from a prior business. I could not have been more pleased with the outcome. Call them today!

When it comes to successful commercial debt resolution, this firm is very knowledgeable of the inns and outs. They are the go to firm if you have concerns in this area of your business. I highly recommend them when the need arises. Chris.

Covid was very difficult on my Speech Pathology business and my landlord was not very understanding. He filed a lawsuit for close to $160 000.00. Carlton Bentley and Penn convinced my landlord to forgive this debt n

March 23rd 2018 I hired Carlton Bentley and Penn to settle an outstanding four-and-a-half-year-old loan from B of A they did exactly what they said they were going to do and I December 12th 2018 this matter was taken care of beyond my wildest expectations I am so happy that it came out the way it did and save me thousands of dollars thank you.

Carlton, Bentley and Penn Inc. handled the dispute with a major credit card company and after working on our matter for 30 months we were quite pleased with the outcome.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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