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

Paul, that's MY POINT EXACTLY!!! I don't get how people can just "wait it out"... Why would you ever want to "wait something out" that's as important as your credit?!? I got court papers and I was through with them! They're supposed to help you, not get your wages garnished and have judgments filed against you. That's part of the program??? Good luck in court... by yourself!

And the problem is, you don't know anything is wrong UNTIL you get court papers filed against you. By then your credit is in the toilet!

BTW, everyone. I got my money back 3 days ago. A full refund. I filed a report with the VA State Corporation Commission Bureau of Financial Institutions and in their investigation they found that FDRS is not even licensed to do business in my state. The VA SCCBFI (i'm going to abbreviate) requested proof from FDRS and they provided them with none and sent me a refund instead (hmm, i wonder why?). I bet they don't have a license to practice in a lot of states. Is that the kind of business you want to spend your money at? Is that the kind of business you want handling matters as delicate as your credit????!!!!

I just received court summons on Thursday...... Im extremely nervous but im going to stick it out and hope and pray that FDRS does what they say they are going to. Im spose to hear from the legal team anytime know. I'll let you know what happens and let you know how the legal team is. If they don't do as promised I'll let you know, but Im hoping to be the first person to say they have completed this program. I will keep everyone updated in the upcoming days. (fyi this is my 9 month right now)

i wish you the best mike.9 months is about the time when people get served while with them.keep us posted.

Folks, if they won't explain what they're doing with your money, do you really want to give your money to them? Think about it. There is no magic voodoo to make your debts go away. Anyone who tells you differently is selling something.

Mike - I'm in my 14th month. The legal department is great! When you hear from them, look them up on line. Great information on their site.

well who knows,seems your the only one that can reach them.my conclusion is you work for them.prove me wrong.

Shill alert!

I gave FDRS over $7,000 and I am still getting hounded by creditors, including letters from credit fraud divisions. Nothing FDRS have done seems to have worked. FDRS has only made matters worse. I am sure it is only a matter of time until I am sued. You might as well throw your cash in the dumpster!

Im getting ready to call their lawyer team now. They gave me all the information I need, I also must say that I have never had any kind of problem getting ahold of FDRS. When ever I have left messages they call me back within 24 hours, and most of the time they do answer after a short hold in the client care dept. Ill let you know what the lawyer team says.

Im getting ready to call their lawyer team now. They gave me all the information I need, I also must say that I have never had any kind of problem getting ahold of FDRS. When ever I have left messages they call me back within 24 hours, and most of the time they do answer after a short hold in the client care dept. Ill let you know what the lawyer team says.

Well their legal network sent me all the information I needed for the first phase by email right when I got off the phone with them. I signed the papers and took them and filed them with the local court. After this I contacted the legal network again and told them I completed the first phase and they immediatley sent me the next step in the process. So far so good, im just a little confused on the court date, but ill be calling them today to see what I need to do. I'll keep you informed.

Mike

I just talked with 2 people from the company. One was very nice and laid back and the other was very pushy to send in a payment of $1000 to get started. I checked the whois for the web address and it comes back to an address in Wyoming. They also couldnt provide me 1 of there 100+ attorneys names. Anyone deal with them and have good or bad stories?

Mr: are you asking if anyone's dealt with FDRS? If so, there are 10 pages worth of people's experiences right here.

Hey Mike... I will be VERY interested to know how the court stuff goes.ÂÂ* Sounds like everything is going according to schedule for you.
I am in my third month right now.ÂÂ* Letters go out next month.ÂÂ* Let the games begin

Mr...

There are many opinions on FDRS, both good and bad.

I would suggest you do your own research independent of this board and FDRS client care. I took the time to do this and learned some VERY interesting stuff. Needless to say, I am still enrolled in the program.

I don't expect it to be an easy road. This program uses the legal system. For that reason, I do expect to go to court. FDRS told me that the attorney network ASSISTS you at the state level. This seems to be true based on "mike's" information above. I also have contact with a couple of others in the program and they also have had good luck with the attorney network.

Also, be extremely careful(I can't emphasize this enough) what you say to debt collectors. You can unwittingly enter into a contract to pay a debt you don't owe. Then you will get a judgement against you.

Review the Fair Debt Collection Act and the Fair Credit Reporting Act. Kind of boring reading, but vital to understanding the process.

The enrollment process is a little unnerving. If you are concerned about giving the information they request (I was) simply lock down your credit (I did) and nobody can open anything in your name (including you) without lifting the freeze. Although, I am guessing that since you are investigating the FDRS option, that you are done with credit cards anyway.

BTW, nobody has tried to open anything.

Finally, my experience with client care has been good. And, no, I don't work there.

I investigated debt settlement companies also. Almost went with one except... I didn't like their answers when I asked what they do if I get taken to court. Basically they told me they were not attorneys and I was on my own. Also, although you may get to pay a lesser amount in a settlement, it is still on your credit for seven years and can't be removed because you validated their claim.

Good luck whatever way you go!

If you have any questions I will do my best to answer them.