Federal Debt Relief Program - Has it been helpful to consumers?

nice helpfulone,oh and willy try not to insult this time.haven't seen one of your posts that wasn't an attack post.

Personal attacks will not be tolerated. Do I make myself clear? - Uncle Wulf

Willy you need to understand that these creditors are huge fortune 500 companies companys. They are naturally going to have a ton more complaints than FDRS because the do a billion times the business.



What I find hilarious is that of all these banks not one had any unanswered complaints. They at least properly addressed the complaint and attempted to resolve it. FDRS has 16 Unanswered complaints. That is a major problem. They basically choose to ignore about half the complaints brought to them by the BBB.

unclewulf, your new icon looks much better than the old one. MUCH!!! See, I have once again said a nice thing about you.

Not sure why or HOW you logged in using my info.

Moderators? Is this kosher/allowed?

mobie, "Willy you need to understand that these creditors are huge fortune 500 companies companys. They are naturally going to have a ton more complaints than FDRS because the do a billion times the business."

If the above statement is true, then why do they not have worse ratings? As I read the copied/pasted generic BBB listing, it gives them an out! Amazing. By the way, which bank was the rating from? What about the other banks? They can't ALL have gotten a clean bill. If they have, then that in and of itself proves that there is lint in the pudding.

My jaded belief is that the big boys, of which so many of you defend, use their power and $$ to influence the BBB. For some reason that I cannot fathom, some even find it "hilarious" that the banks and CC companies can afford a full time law staff to come up with legal ways to screw us over and answer BBB complaints in their spare time.

Mobie, you back up FDRS by posting the BBB statement about them: "Complainants allege unfulfilled contracts, misappropriation of funds, and misrepresentation of services.

"Customers complain they send monthly amounts to the company believing their bills were being paid, when in fact; no bills were paid on their behalf." As I've read from posts on this site and from the company's site, the customers are NEVER told their bills are being paid.

PLEASE PEOPLE: The basic tenant before doing anything with your money is research what the company you are paying is going to do with your money. Common Sense.

"Other complainants report they are advised not to deal with their creditors, but soon find themselves being sued for the amount of the debt." Posts here and on the company site say you very well might be sued. Which is why the company requests/demands that any/all correspondence be sent to them ASAP so they can get it to the lawyers they hire ASAP so they can fight for you ASAP.

FDRS does NOT offer a magic wand. It's a hard road, as MANY people here have told, including those with positive and those with negative feelings about the company.

"The company responds to most complaints by disputing complaint allegations, and accusing the customer of failing to comply with the terms and conditions of their agreement. The company reminds clients that the contract makes no guarantees to the success of the program." The early panickers who are also the most vociferous complainers, are proof in point.

Mobile: Please answer the question at the bottom. Total U.S. consumer revolving debt reached $904 billion in June 2007, up from $879 billion at the end of 2006 (Source: Federal Reserve). Now add mortgages and other secured debt (automobile loans, for instance). Where did the banks get that money to loan?

You're a little slow on the uptake, aren't you, Willy? Maybe you should learn to read things fairly. It really does broaden the mind. If you'd been paying attention all along, you would have noticed that I am a moderator. You'll find the tag below my user name, to your immediate left.

As for some of the attacking posts and such... Cool it. Immediately. You do not want to become my new favorite hobby.

Willy , Moderators are allowed to edit your posts when they are personal attacks. Uncle Wulf is a moderator and thus can do that when he feels your are being inappropriate.

Also Willy , you never explained to me why FDRS is not cable of responding to BBB complaints. The have 17 Unanswered complaints and counting. That means they choose to ignore complaints brought to them. If they were not a bunch of con artists they would at least address the complaint and try to resolve it right ? That is at least what the big bad horrible banks do. They out of the thousands of complaints they had didn`t have a single complaint that wasn`t answered and addressed and yet FDRS can't even do that. Give me a break.


Where did the banks get that money to loan? This article should better explain

Mobile, you say “Willy , Moderators are allowed to edit your posts when they are personal attacks. Uncle Wulf is a moderator and thus can do that when he feels your are being inappropriate.” I totally agree with that standard.

But check the sixth post down on page 20. Someone posted as me.

Do you really feel it is okay for someone to post something using another posters name and icon? That is wrong. Especially for a moderator. That practice wreaks of all the things this forum and the USA (at least the good old USA) stand against.

Finfan13? Cajunbulldog? Anyone?

That moderator should be booted from this forum.

And who have I attacked? Show me one "attack".

I have pointed it out when posters only post fact-free opinion and spread their fears and hate. Is that considered an attack? The only people who make the “attack” claim are these same fact-free, vitriol spewing posters.

Let me 'splain it to you, Willy. I'll use small, easy words, so maybe you'll understand.

It is not OK for anybody here to post as someone else by using that person's login credentials, etc. "Name and icon" as you refer to it. Unless, of course, that person has the account-holder's permission in advance to do so. I've done that from time to time, when I was working to resolve account issues at the request of other members.

It is OK for a moderator to edit a member's or guest's posts in any way the moderator sees fit, if said member or guest violates the accepted rules, customs, or ToS of this site. That's part of what moderators do here. In short, I did not post as you. I edited your offensive post, and signed my handiwork so everybody would know who did it, and why.

Attacking other members/guests/moderators/whatever is such a violation. So is promoting a scam with the intent to decieve. So are several other of your activities.

Straighten up. Now. Or else.




Be careful who you ask for help. You'll likely find those two to be tougher than I am. Maybe you should get one of your half-baked attorneys on the case, huh?

You're kidding, right?

Look at the next part of your own post. Posting articles from a state Bar Association does not constitute being a "fact-free, vitriol spewing poster." In my book, that constitutes "being a responsible member of this forum" and "trying to debunk a scam."

With your own words, you prove my point. Stop attacking other members. Stop promoting scams. Stop being a pain. Like I said, you really don't want to become my new hobby.

Now that I've explained that much to you, maybe we can get on with a civil discussion. If not, I'll lock the topic. Play nice. Or else.

Willy perhaps you should get familiar with the forum rules. If you don`t like Uncle Wulf editing your posts than you have two choices either play nice or quite posting here. Its that simple .

Perhaps unclewulf is part of the government conspiracy with the banks and the US government.I bet he is behind the whole money creation scheme. Thats it. As a matter of fact maybe this website is one big conspiracy working for the banks and all the moderators are in on it. You live in Hollywood so perhaps you can make a movie about it.

Unclewulf is doing his job as a moderator. Like I said if you don`t like the rules of this forum than don`t post here.

Wow. Willyammer, I'm sorry, but I don't know what you're upset about.

You said page 20, sixth post down, right?
All I see on the sixth post down on page 20 is where Uncle cleaned up an inapropriate post. Plain and simple, he was moderating. No mod logs in as anyone..We have the right and ability to erase offensive posts. Personally, I think Uncle is being nice to you. I wouldn't pi$$ him off! I said I would address the situation. Situation addressed. My advice to you? Keep your posts attack free and no moderator on this board will have to clean up.

What was edited? I don't recall what I supposedly posted and I would really like to see what was so offensive.

If you can't print it here, please send what was edited to me at my personal email address so I'll know for the future.

Thanks.

I don't know what the post was, I didn't see it. All I can say is this: As mods, we are required to make judgement calls. There are a certain set of rules that all posters must follow. These are defined in the TOS, which you can click on at the top of the home page and read. If we (mods) feel that a post does not follow those TOS, it is within our rights to either edit or delete the post. As far as what we consider offensive on this site..Any vulgar language, crude references, or anything that could possible hurt another poster's feelings.

Any mod can edit any post to their desire to keep this forum in compliance with our rules.You have been asked by three moderators to tone your posts down.Adults can have a debate without resorting to personal digs.You would be wise to listen to our advice as it has a direct effect on your continued ability to post here on our forum. Lastly please don't bore me with your rights under the first amendment as it does not apply to a privately run board.

All I am saying is I did NOT post anything and that wolfie posted as me.

Wolfie, let us (me and your fellow moderators) know what was edited, if anything. If it was so heinous as to warrant deletion, you should have kept a copy.

I'm still not sure why my replies are considered "personal digs". I've looked back at my replies and they are only requesting that people research their answers and post facts.

If people want to post opinions and rants, even those void of facts, it seems that they can, as long as they agree with the moderators point of view.

Yet when someone calls these posters on their un-researched, fact-free rant, their posts are considered "attacks" and "personal digs".

Except when directed at me.

Willy when you run a board,perhaps you can dictate how it is run. This forum has a zero tolerance policy on personal comments. http://www.debtconsolidationcare.com/tos.html

Here is our rules.Please stick to them before I make a judgment call to lock this topic.