Alberto, I am sorry that you got suckered into this program. Like I said, I used to work for this company and I have seen more examples of your situation where clients barely saved any money or they wound up paying more in the end. Very few clients have I seen that actually saved anything.

As far as getting your money back, you may want to find a good attorney and show them the contract. Unfortunately, FDR has cleverly worded their contract to sleaze their way out of anything. Such as "Our estimates are only estimates", and some creditors may seek legal action against you.

It all goes back to your contract. And I'm sorry, but customer service isn't going to be commited to do anything to help you. In the end, they are going to throw their hands up, say that they are sorry things worked out that way, and point you back to the contract that you signed and initialed.

Don't be hard on the employees. Most of them don't even realize that THEY were scammed into believing this company is legit. Most of them were trained in such a way to make it look like the program was the best thing since sliced bread. I believed in it too. And then, I woke up and realized that the owner's of this company are seriously getting rich while taking advantage of people in real bad situations.

There have been few examples of where I thought this program might be a good idea. Some people out there just want someone else to deal with it. FDR is perfect for those people. For everyone else, you are better off trying to resolve your debts on your own.

And yeah, I think those sales people are sleaze bags. They are quick to sign you up and not fully explain everything, and then they wash their hands of you and pass you to customer service.

Freedom debt relief has 70,000 clients and there is only 67 complaints in three years. How is that bad??? If you read the BBB all accounts have been resolved, There are sompeople in the world you cant please. They help me get out of debt for half I owe. They are 5 star.

Well, this story ought to get everyone's attention. First Story: I am not having to pay roughly $ 8500 (this includes late fees and interest) on two accounts because a debt collecting law firm states they have not received any payments on these 2 accounts. They have never heard of FDR and have no record of any payments being paid on these 2 accounts. My legal person Raymond Chia (post this name and memorize it!) Second Story: I have to go to court on Jan. 20 at 1:30 (yeah, it's inauguration day and all) to appeal another court case. This ludicrous guy states that we had a verbal agreement that after he paid this creditor X amount that I was to pay the balance of $400 @ month until that balance was paid. Well, duh??? I never got anything in writing; he states he sent an email??? I followed up on this and had another person email me that very email dated back in October of which I know I never received. He stated I may have inadvertently deleted it because it would have ended up in my junk mail. I told him that if I would be expecting his email and still nothing. Now who's the liar here??? Well, now I had to go downtown to county courthouse to file an installment payment of garnishment and then take the document to the HR department so that my wages would not be garnished. Well, hello!!!! If I'm paying FDR $280 a month to handle these creditors then how the heck do you think I could ever agree to playing an additional $400 a month to this creditor?? I'm sorry, now I am losing my cool. Hope this story makes head turn.

Savvy

Thanx for your response. I stillhave the oroginal contract and I read every part of it very carefuly. As you mentioned, whatever I do I am on the loosing side. I mean, I can't believe I signed the contract not really understanding what I was getting into. For example; the contract says "Client acknowledges and understands that FDR does not provide legal advice" HELLO!!! On paper I signed one thing but they are telling me verbally to do something else. They told me not to contact my creditors and to stop making payments.

Now read this, straight from the contract:
"IN THE EVENT OF ANY DISPUTE BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE PARTIES AGREE TO SUBMIT THAT DISPUTE TO BINDING ARBITRATION UNDER THE AUSPICES OF THE AMERICAN ARBITRATION ASSOCIATION (AAA).
VENUE FOR SUCH ARBITRATION WILL BE IN SAN FRANCISCO, CA. BINDING ARBITRATION MEANS THAT BOTH PARTIES GIVE UP THE RIGHT TO A TRIAL BY JURY. IT ALSO MEANS THAT BOTH PARTIES GIVE UP THE RIGHT TO APPEAL FROM THE ARBITRATOR’S RULING EXCEPT FOR A NARROW RANGE OF ISSUES THAT ARE APPEALABLE UNDER CALIFORNIA LAW. IT ALSO MEANS THAT DISCOVERY MAY BE SEVERELY LIMITED BY THE ARBITRATOR"

I have no idea on what rights I gave up on here. Im screwed!!!

People Out there, cut on cell phone bills, cancel you cable tv/satellilte, cook your own meals and stop eating out, save electricity, and save as much as you can to pay your bills; do whatever it takes but don't, by any means, join FDR. Its a ripp off, at the end you'll end up worse that how you started. DON DO IT!!!

I SIGNED UP WITH THEM AND THEY TOLD ME TO SEND IN LETTERS TO MY CREDITORS REQUESTING NO FURTHER CONTACT. WELL THEY NEVER SETTLED ON MY DEBT NOR DID THEY WARN ME I WAS GOING TO BE SUED SO THAT I COULD TRY TO COME UP WITH ADDITONAL FUNDS. I DIDNT KNOW ANYTHING ABOUT IT TIL I WAS SERVED AT WORK. WHEN I ASKED THEM ABOUT IT THEY HAD NOTHING TO SAY. THEY JUST SAID I DIDNT HAVE ENOUGH FUNDS IN THE TRUST ACCOUNT. I BET I HAD ENOUGH FUNDS IN THERE TO PAY THEM AND NOT MY CREDITORS. I WISH I WOULD HAVE HAD THE OPTION TO TAKE CARE OF MY DEBT MYSELF. AS SOON AS THEY TOLD ME TO NOT SPEAK TO MY CREDITORS AND REQUEST I GET NO CONTACT WITH THEM I PUT ALL EGGS IN THE WRONG BASKET. THE debt settlement COMPANY NOW HAD ALL CONTROL AND THE ONLY CONTACT WITH MY CREDITORS. I REALLY REGRET THAT DECISION AND WISH I COULD SUE THEM FOR SUCH BAD ADVISE.

A small number of accounts do go to legal status and FDR is fortunate to have an internal team to work and negotiate these accounts. FDR charges fees for it's services, If you have not been serviced properly contact FDR's customer service department.

Has anyone heard of this debt relief company?

In FDR's debt settlement program, FDR negotiates a lower, one time settlement payment to the creditors based on the hardship you are going through. FDR's unique relationships and large numbers of clients allow FDR to resolve large amounts of debt. Please see the FDR website: freedomdebtrelief

FDR has a UNSATISFACTORY rating on the BBB. Their report says "It has come to the BBB's attention that Freedom Debt Relief has continued to operate despite a desist and refrain order issued through the Department of Corporation on May 29, 2008"

Go to the BBB page and read the entire description.

FDR has a UNSATISFACTORY rating on the BBB. Their report says "It has come to the BBB's attention that Freedom Debt Relief has continued to operate despite a desist and refrain order issued through the Department of Corporation on May 29, 2008"

Go to the BBB page and read the entire description.

Anyone heard of Fast Track Debt Relief?

Anyone heard of Fast Track Debt Relief?

fdr is horrible never do business with them they ar rip off artist

whatever there promises you I can assure you your able to negotiate own your own and will save move money

whatever there promises you I can assure you your able to negotiate own your own and will save move money

sorry should state you can get a better deal on your own and save and avoid those high fees settlment companies charge