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

Your reply is a perfect example of what I am talking about. You make an inflammatory statement with nothing to back it up! Please point out where I have stated anything that is unsubstantiated. It would have been easy enough to do in your previous post, yet you prefer to blather with nothing to back it up.

Unlike some on this forum (you?), I have drilled down into the listed complaints to see what they are really about.

I look forward to your reply.

I will no longer debt this with you. You made your arguement . Move on. Heck perhaps you should enroll with them despite the facts I have provide......unless you are en employee of fdrs. Nah . Couldn`t be. I am sure that a brand new member who hasn't posted any other posts on this entire web site except for this particular subject to argue and to defend this company no matter what negative info is out there about them. Its gotta be just a coincidence.
This web site is not intended for people to argue . It is meant to help people . I have wasted enough time debating this with you. I have other subjects I could be responding to help others. My job is done here . The TRUE facts and negative info I have posted has done the job. No one in there right mind would sign up with them now after reading all the negative info on this company . Keep in mind no one here at this web site who has been a member for a long time has chimed in on your side . Why is that ? Could it be that perhaps I could quite possibly be correct. I guese time will tell. I encourage everyone shopping with FDRS to look up the BBB report and google their name and make your own decision and see if you agree with me.

Mobile, I appreciate that you once again prove my argument. You say negative things without backing it up and relying on what others have said, without researching the negative comments. You say there are TRUE facts, you say "despite the facts I have provide", yet you have not brought one "fact" to light.

The BBB has 5 "Significant Complaints". Click on "view" and read the actions. Don't go on about the BBB until you do so, otherwise you sound shill and silly.

A lot of the googled complaints are the same ones posted over and over.

And I agree. This forum is to help people. Yet you "help" by being negative without fully investigating your source material. Who are you helping, other than the company you work for, whom you have already stated is in this industry?

I am NOT an employee of FDRS but after learning what I have from people like you, I am certainly considering it.

And please. Use the spell checker. The forum has one built into it (the red underline). As far as grammar, I guess you're on your own with that.

Evenin' Willy -

It's not my place to teach you how to conduct unbiased research. Try your local community college for that. And you ought to know that the BBB does not equate to the whole of the Internet. There are other sources that are at least as credible, and far less artificially-sweet. Think government agencies and legal resources here...

As for my research, I'll spend hours running down information to help somebody who needs it. But I'm not interested in wasting time debating a shill who won't listen, no matter what I say or what links I post.

Did I just call you a shill for FDRS? Damn skippy.

Why do we think you're a shill? Because you act so much like one. You see, you have a couple of things working against you here.

You're brand new, a flash in the pan who busted in and posted a flurry of glowing reports in defense of a company that we all know is crooked. In short, you lack credibility.

You're strident in defense of a company with, frankly, a shitty reputation. And you have no interest in hearing other points of view. You just get louder. In short, you're shrill.

There are some other factors at work here, as well. But I think I'll let you puzzle them out. As I've already pointed out, I have better things to do than educate you. I'm not interested in debating you, either.

[quote=Willyammer]And please. Use the spell checker. The forum has one built into it (the red underline). As far as grammar, I guess you're on your own with that.[/quote]

A spell checker? Really?? I don't suppose you'd mind pointing it out to me then, would you?

BTW, that 'red underline' button, top/right in the tools, is a tool that closes open BBcode tags in your post. There you go with your unsubstantiated claims again. Thanks for proving my point.

Oh... As far as thinking, I guess you're on your own with that.

Maybe you should go work for them. Here is a recent add they ran looking for employees. Looks totaly legit.

10K A MONTH IS ONLY CONSIDERED AVERAGE HERE ($$$HUGE MONEY$$$)

Reply to: see below
Date: 2008-05-09, 11:04AM PDT


Dream Sales Position/Inside Sales/Paid Training MUST BE AN EXPERIENCED, PROVEN CLOSER!!! IF YOU ARE CONTENT WITH 10K A MONTH DON'T BOTHER TO APPLY. IF YOU ARE NOT A VERY STRONG, PROVEN CLOSER...DON"T BOTHER. I AM LOOKING FOR THE ALPHAS TO RAISE THE BAR AND EXPAND OUR OPERATION. WE ARE EXPANDING FROM 30 SEATS TO 80 SEATS AND BEYOND. NOT LOOKING FOR TRAINEES OR WANNA BE CLOSERS!

Warm leads, no cold calling, paid training and weekly paychecks!!! $120,000 a year is only considered average here and it just keeps getting better. GREAT commission+bonus+spiffs+MASSIVE residuals and awesome company outings with the best crew you've ever seen! Forget mortgage, auto warranties, gold etc. THIS IS WHERE THE REAL MONEY IS NOW!!! A rapidly expanding company that promotes all management only from within. Closers will find this the easiest money you've ever made in an incredibly positive and supportive environment. Full time. Mon.-Thurs. 10am-7pm Fri. 10am-5pm PROFESSIONAL DRESS FOR INTERVIEW//// MUST BRING YOUR RESUME...OR BE ABLE TO SELL ME ON WHY YOU DIDN'T!!
If you are dependable, punctual and have a great attitude, come work at a job you love that really pays!!!! Sell a product you believe in to people who really need it and have requested your call. We are expanding from a room of 30 seats to eighty. If you're not in one of them,THE growth industry is passing you by. Everyone is a potential manager trainee.
APPLY IN PERSON DAILY at 6362 Hollywood Blvd, 4th Floor Hollywood (between Ivar and Cosmo) 11am-6pm Federal debt relief System
Convenient to: Sherman Oaks, Studio City, North Hollywood, Glendale, Burbank, Los Feliz, Santa Monica, Orange County, Culver City, Hollywood


Location: $$$HUGE MONEY$$$
Principals only. Recruiters, please don't contact this job poster.
Please, no phone calls about this job!
Please do not contact job poster about other services, products or commercial interests.

unclewulf, the spell checker comment was not for you. Don't be so paranoid.

I don't doubt that you are a good person and that you have helped and will help people. You're a rare breed and we all appreciate that about you.

That being said, I'm not sure why your replies denigrate me. I have not "posted a flurry of glowing reports" on FDRS. What I HAVE done is looked into the negative comments. I'd like to see what this company has done that is so bad. My search into the posts have shown that the majority provide little factual information.

Have you looked more deeply into any of the negative posts yourself?

I'm like Joe Friday in Dragnet. "Just the facts, ma'am, just the facts." And I'm NOT calling you ma'am. Just quoting the show.

Mobile, Yikes! What a crappy ad! It certainly lacks the integrity that the company professes to have.

But thanks for the ad. They aren't located too far from where I live. I'll go check them out tomorrow. And if I work with them, the first thing I'll do is get them a new ad writer!

I did the same thing on the BBB and noticed only 33 complaints and like was said only 5 that would be considered worth while. And while checking you would think "IF" this company was a ripoff they would have ALOT more Complaints that 5 I mean serious complaints.

Personally the most people who have trouble are those that thought by what I read on the report that they wouldnt get sued, or the money was to PAY their debt or got scared and left after 2-3 months and wanted their money back, and then the content on exposing the Banks and some the plans of the Global elite like Bilderberg group disturbs some or they dont want to believe and drop out.

Personally all of this stuff was covered in the contract I signed with them. Also there is the Patriot movement. Some consider it conspiracy theories others consider this a serious fact and plot against this country and the free world.

As for that Ad, I didnt see anything that said FDRS.org, but if it IS legit as you say I did notice this sentence in the paragraph.

"Sell a product you believe in to people who really need it and have requested your call."

If they are a scam why sell a Product or Service you Believe in? Its not necessary if you are just trying to make money? Also everyone I Spoke to at FDRS are a patriot that KNOW whats going on, plus I found out about them through a reliable source in the Patriot movement. For me thats enough.

BTW if I am Wrong I will post here 15 months from now to warn everyone. lol

[quote=Willyammer]unclewulf, the spell checker comment was not for you.[/quote]

It's a public board, remember? If you're going to post here, kindly stick to the facts. Seems simple enough.

[quote=Willyammer]Don't be so paranoid[/quote]

What? :roll:

Wishing this board had a built-in spell check tool makes me paranoid? That's a bit of a stretch, don't you think?

Be that as it may, I'm through debating you. Not necessarily finished with you, understand. Just done with debating you.

unclewulf, LOL. You are too funny, telling me to "kindly stick to the facts" when you have not supplied one in any of your posts on this subject. I'm sure if I read your posts on other subjects I'll find more opinion than facts as well.

If you indeed are done debating me then please don't comment until you have at least one factual comment relating to FDRS.

By the way, have you drilled down into the BBB posts or checked further into the google complaints you claim are out there, to see if they are actual complaints or if they are mere crackpots? Or are you too proud to admit you haven't or that you are wrong?

Mobile0311, You are dead on about this company, I only wish I would have heard your light on the subject before I lost my hard earned money,(approx. 3 grand). I was desperate, lost my job, no income other than my spouses and was slowly sinking fast. They supposingly threw me a life jacket, WHATEVER! I lost my money, my life and people, you NEED to listen to Mobile0311, I only wish I would have had some insight, I haven't been given a refund, I guess I have been had and that is putting it nicely....

Thanks Action , I am truly sorry to hear you were taken for a ride by these con artists. Please spread the word on these con artists. Buy the way here is a recent article I read that was written by Charles Phelan about how Debt Termination is bogus.
Quote:

Here is another well written article by Charles Phelan regarding the bogus scam of Debt Termination.
[quote]
"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are paying $1,000s for this bogus service. One victim I spoke with lost more than $15,000! In this article, I'll review the principles behind this program and explain exactly why it's a scam to be avoided.

First, let's get our definitions straight. The scheme I'm describing here should not be confused with debt consolidation or debt settlement (also known as debt negotiation), both of which are legitimate and ethical methods for debt resolution. The easiest way to distinguish the Credit Card Debt Termination scam from other valid programs is based on the central claim that you really don't owe any money!

With Debt Consolidation, you pay back all of your debt balances. With Debt Settlement, you pay back a lower amount (usually around 50%) while the creditor agrees to forgive the remaining balance. However, with the bogus Credit Card Debt Termination program, promoters claim that you won't need to pay anything at all (except their outrageous fees, naturally). They make the surprising claim that you can legally wipe away your debts simply by using their super-duper magic documents. Based on some legal mumbo-jumbo, the claim is made that you really didn't borrow any money from your creditors!

In order to understand this scam, a little background is necessary. Remember the tax protest movement back in the 1970s? People were claiming that the IRS tax collection system was unconstitutional, and based on their misinterpretation of the tax code, they refused to pay taxes. The IRS came down hard on the tax protest movement, and through the court system, they blew holes in all the legal arguments put forth by the protesters. The Credit Card Debt Termination scam is a lot like the tax protest movement. In fact, among collection professionals, it's called the "monetary protest movement."

Just like the tax protest movement, there is a common theme that runs through all of the promotional materials issued by the monetary protestors. The basic idea is that our Federal Reserve monetary system and generally accepted accounting principles (GAAP) do not permit banks to loan out their own money. Therefore, according to their interpretation, the credit card banks are the ones running the scam on the American public.

Stay with me here, because the logic is pretty strange. If a bank cannot lend its own money, how does a credit card bank extend credit? The claim here is that your credit card agreement itself becomes a form of money (known as a promissory note) the moment you sign it. The idea is that the bank "deposits" your agreement as an asset on their books, and then any credit you use is offset as a liability against that asset. In other words, the core concept here is that you literally borrowed your own money from the credit card bank.

So let's say your balance with ABC Credit Card Bank is $10,000, which you borrowed against the card to make everyday purchases. The scam promoters say all you need to do is notify the bank that you want your original "deposit" back. However, you will permit the bank to offset the amount you borrowed against the amount you have on "deposit." Presto! You don't owe the balance anymore!

Now, as you can imagine, the banks don't take kindly to such tactics. Many of the consumers using this technique are getting sued by their creditors. But the scammers have more tricks available, as if the "smoke and mirrors" financial nonsense wasn't enough. One of their techniques is the use of bogus "arbitration" forums. Arbitration is of course a legitimate system that allows businesses and individuals to resolve disputes without going to court. What do the scammers do? They coach people on how to set up a fake arbitration forum, for the express purpose of making a dispute against their creditors! Naturally, the creditors will not send representatives to some non-existent arbitration forum, so the consumer gets to rubber-stamp their own arbitration award. If they get sued in a regular court, they present their bogus award to the judge in the hopes that the creditor's lawsuit will be dismissed.

There are other techniques used by promoters of this scheme, but the key point to remember is the central claim that your credit card debt does not really exist. Of course, it's all nonsense based on a misinterpretation of our monetary system, and if you step back and think about for a minute, the truth seems pretty obvious. What these scammers are saying is that the entire $700 billion credit card industry is operating on an illegal basis! Even if the legal theory used by the promoters were true (which it isn't), do you think for a moment the government would allow this giant industry to go under? That's exactly what would happen if the promoter's claims were proven true and used on a widespread basis.

The Federal Trade Commission, which has jurisdiction here, hasn't stomped on these con artists yet, but it's only a matter of time. Unfortunately, in the meanwhile, consumers are being bilked out of millions of dollars for a worthless program that will only get them into deep trouble with their creditors. If you are approached by someone offering to wipe away your debts using this system, I strongly recommend you run in the other direction while you hold on tightly to your wallet or purse.

Remember, you can eliminate your debts if you take a disciplined approach to your finances, make a budget and stick to it, and don't use your credit cards unless you can pay off new balances in full each month.[/quote]

Good luck in your financial future!

Mobile0311, Your last two posts says it all. Those articles were all I needed. I have been following this forum and researching this company after talking to Larry with FDRS. Thank you, Thank you, THANK YOU!!! You have saved me from jumping from the pan into the fire.

Unclewulf, Thank you, too. Clearly you are an intelligent man with a quick wit. Your posts have made me smile in the midst of my despair. :P

Web host, could you track the ip addresses of some of the posts such as "Who Knows", "Piz". Are they coming from the LA area or nearby? Willyammer has already stated that he lives in the area and for reasons Unclewulf has pointed out, it seems likely that he is part of FDRS and very good at what he does.

Good Luck to all in our quest for solvency.

If you do a search in the above box, you will be able to read about the experiences that other members have had with theis company. I believe they have not been great.

All in a days work.

Mobile0311, I have contacted a lawyer and they fired a letter to them, I have contacted the BBB in the state they are "supposingly" in. Not a lot of luck with them.I have sent a letter (certified) requesting a full refund, with the only response of "I quit the program to soon" unable to refund your money....whatever...Trust me I will push this issue and if we can "Open the eyes" of just one person...that will be one less they will scam....Thanks again...The world needs more people like you..God Bless.......

Also contact the Federal Trade Commission and the State Attorney General of California.

Attorney General - Bill Lockyer

Attorney General's Office

California Department of Justice
Attn: Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550
VOICE - 1-800-952-5225 (Toll-free in CA)
TDY - 1-800-952-5548 (Toll-free in CA)
or (916) 324-5564
FAX - (916) 323-5341


PS....please let me know if you had any luck getting your money back from these con artists

Thanks, "Action" for allowing us to see what kind of people companies have to deal with. You posted the same response four (4) times!

And as I thought, you panicked and backed out of the program before you giving it a chance to work. You panic and then castigate the company that was working to help you.

You panic.

mobile0311, thank you so much for the classified ad you posted. While not the best ad, it did serve me in that I got into a class and will hopefully soon be able to help people who are in serious debt.

You remind me of some debates and arguments I've watched, where the person losing the argument reverts to name calling. Your terms like "con artist" ,"scam" and "scammers" fit this pattern.

Perhaps you should let readers make up their own minds with your facts, of which your posts seem to be lacking to the point of total omission. Many opinions. No facts.

Perhaps that is why you brought in someone else to present your argument?

Regarding Phelan's claim "All I ask is for a single verifiable court case where a judge agreed with the "no money lent" argument ...No such case exists, ..." No court case exists indeed, as debt collectors are smart enough to settle before a case gets to court when they are blatantly in the wrong.

I'll check in and let you know how things are going.

Littlefish, come out of the closet. At least mobile0311 admits that she/he works for FDRS???????? competition. Don????????t you want to do the same?

And thanks for the compliment.

The way I got ???????very good at what I do??????? is by actually looking into the posts instead of just taking someone????????s sound bite at face value.

Normally, I wouldn????????t care what a forum writer says but it truly upsets me when people give opinions, don????????t post any facts but only post to flame a person and/or a company. You should have better things to do ???????? unless, as I suspect, you do work for a debt consolidator.

It is mostly these fact-free posts that pushed me to check out FDRS and, liking what I see, want to work for them. If I were you, I would look at those flaming posts for what they are and reconsider your recent decision, if you indeed were actually going to work with "Larry".

Web host/forum manager, is it kosher that posters be allowed to post flaming statements without factual backup? Is it ok for people who might know of a similar company yet don't know about a particular company to post negative comments about said particular company?

It certainly doesn't seem right.

To simplify matters, let's look at debt companies in terms of three rough categories:

1. debt management plans require 100% repayment of the debt through a structured payment plan. This is what non-profit credit counseling agencies do, as well as for-profit debt consolidators.

2. debt settlement or debt negotiation plans require payment of part of what you owe, usually around 50% or less, with the remainder forgiven by the creditor. Virtually all of these companies operate on a for-profit basis.

3. Debt termination companies claim to wipe away 100% of your debt through special legal procedures, so your total payout consists only of their fees.

Right off the bat, let's cross #3 off the list. Sorry, but this one is a scam. You can recognize this type of company very easily. They make the claim that because of how our monetary system works, you never really borrowed any money in the first place! Their system is based on the false belief that credit card banks are operating illegally by extending credit to you. Absolutely do not give your money to one of these outfits! The fees start at $2,500 and go up from there. I spoke with one fellow who lost $15,000 in this scam.

Folks, there is no free lunch. The only thing such "debt termination services" will do for you is take your money.Their legal theories are total nonsense, and the courts do not recognize their arguments. These are the same people who also claim you don't need to pay your income taxes either. As tempting as it might be to try one of these services, you'll only get yourself in deeper trouble with your creditors.


Willyammer I want to also point out it is more than 5 complaints with the BBB that are major. There 15 unanswered complaints.That basically means that they ignored 15 complaints that the BBB even brought to them.
I also find it a mighty big coincidence that you just happened to live near FDRS and happened to be defending them despite all the negative info we can dish out about this company as well as their so called legit Debt Termination industry. I admitted I work in the credit counseling and settlement industry. Why can`t you just admit that you are an employee or are vested with FDRS. I think that everyone here thinks this is obvious. At least if you admitted it you could try and persuade me on your point of view since you work in that industry. Perhaps you can educate me as to why that program is so superior compared to my industry (which by the way is actually recognized as a legit way to get out of debt according the the FTC ). But since you supposedly " don`t " you have really no leg to stand on but to try and discredit every complaint that is out there.

This company needs to be shut down. If you have been wronged by this company file complaints with the CA Attorney General the Federal Trade Commission. Several other company's in the so called "Debt Termination Industry " have been shut down already. Its only a matter of time before they get shut down as well.

Mobile0311, FDRS is located in Hollywood, which is part of Los Angeles, which is the 2nd largest city in the USA. I????????m sorry if it bothers you that I live here. Coincidentally, about 12 million or so other people live here as well.

As far as ???????all the negative info we can dish out about this company???????, well, it seems like anyone can say anything on this forum, as facts don????????t seem to matter. Lots of opinions and ???????dishing??????? but very little in the way of factual statements.

And just because other Debt Termination companies have proven to be bad seeds doesn????????t mean that FDRS is one.

You would know better than me so please correct/comment on the following statistics I have heard:
1) 90% of people drop out of settlement and consolidation programs
2) Those who do make it through settlement programs usually settle for 40% less than their amount owed. You say 50% but what percentage settles for 50% as compared to less?
3) Ruins a person????????s credit for 7 years
4) Does NOT keep creditors from suing.
5) IRS may tax clients on the settlement amount.
I rely on your experience for (true, factual) answers to the above.

Have you checked the BBB ratings of some of the credit card companies and banks? I know (or hope!)you don????????t stand up for the CC companies and banks, so don????????t you find it very surprising that, with all their underhanded tactics, fine print and thousands of complaints that they have such good ratings from the BBB? Makes one question the impartiality of the BBB.

willy,i am convinced you are an employee or a money man for this scam outfit.two facts
1)i have looked at the BBB and it isn't good for your buds at FDRS.
2)at least mobile is on other topics and forums giving advice,and not just on dmp'S,DSP'S,OR DCL'S. i only seem to see you here and only here.why the interest if you have no connection?why aren't you giving advice and your wisdom elsewhere on this site.
i'll tell ya why.CAUSE YOU ARE A SHILL FOR THIS IDIOTIC OUTFIT.convince me otherwise.

Dang it is getting hot in this kitchen.I have no opinion on any debt settlement company as I have always taken care of my own stuff. I dislike this company for one reason only.Their theory they lean on is bogus & consumers would have a rude awakening in court.

I still find it quite a coincidence that there are over 19,355 cities in the USA and yet you just happened to live in the one that FDRS is in. Gosh , what a coincidence .

Lets get the facts strait


1) 90% of people drop out of settlement and consolidation programs Wrong , Perhaps with company's that are rip offs like FDRS but actual good legit company's usually have a retention of around 60-80%.
2) Those who do make it through settlement programs usually settle for 40% less than their amount owed. You say 50% but what percentage settles for 50% as compared to less? A good settlement company's average settlements are going to be in the neighborhood of around 43% but some do can settle a little higher.Where as FDRS magically gets the debt to go away.
3) Ruins a person????????s credit for 7 years
If they are a good candidate for settlement the client's credit is already negatively affected anyways because their bills are already late or about to be. It takes about 1 year of perfect payment history after completing the program to really help reestablish their credit, assuming they make good decisions and don`t get more credit card debt. They can also ,"if they want" hire credit repair places like Lexington Law to help fix it faster. FDRS only gets you sued like all other Debt Termination companys which really screws your credit up.
4) Does NOT keep creditors from suing.
Creditors can sue for non-payment however that is few and far between. That usually doesn`t happen because legit settlement company's usually contact the creditors from the beginning showing the creditors a budget and hardship and that they to want to take care of their financial obligations.Most of the time it is not cost effective to sue compared to settling. Where as Debt Termination you claim you don`t owe the debt and the creditors get ticked off and make an example of you . They WILL sue you " the client " for attempting to defraud them by garnishing wages and getting liens on property.
5) IRS may tax clients on the settlement amount. If a federal government agency, financial institution, or credit union cancels or forgives a debt you owe of $ 600 or more, you may receive a Form 1099-C, Cancellation of Debt. However if you ???????settle??????? this debt as ???????paid in full???????with the creditor the negotiator can ask that they agree to the settled in full arrangement and not send the remainder as a loss to the IRS. If the creditor willingly accepts ???????less than??????? as ???????full payment??????? then make sure they agree not to report remainder. The creditor can refuse but usually does not.

ALL DEBT TERMINATION COMPANYS ARE SCAMS BECAUSE IT DOESN'T WORK. YOU WILL BE SUED FOR FRAUD BY THE CREDITORS.

[quote=littlefish]Unclewulf, Thank you, too. Clearly you are an intelligent man with a quick wit. Your posts have made me smile in the midst of my despair[/quote]

Please don't tell that to Willy. The poor sod still thinks he's right. Wouldn't want to hurt his last feeling, would you?

Here's a trivia question for the community: Has anyone seen a post from Willyammer [to date] that wasn't defending FDRS?

Didn't think so.

Willyammer..I'm going to insert myself into this conversation. I just read this thread from start to finish...I think you and I have met here before! Am I right? :lol: I think you had a different name before..

And the thick plottens......

Lovin' it!!! :D

Far be it from me to hurt anyone's tiny feeling.. especially concerning a topic they are so very passionate about.

Isn't "who knows" about to finish "the program" soon. We haven't heard from her lately??? Hope she is not in jail!

I'm going to be in the hospital for a few days so you won't be hearing from me but I will check back first chance 'cause ya know I don't have better things to do like vehemently defending a company that I have no connection to.

So Will baby, tell me, what industry did you work in prior to reading the job ad for FDRS and enrolling in classes to learn how to help people. It would seem that your position/job was rather quickly dispensed with?

Oh...I would come out of the closet but I can't find the friggin door for all the bills.

Au revoir 8)

Interesting Posts Mobile, but the only problem I have with them is in my research Income tax is Illegal, though I pay anyway do to it being enforced. And second the Banks are issuing Money they don????????t have, its not a secret except to the average consumer like myself until I found out. Non of your senators pay income tax, and the Bill in 1913 was voted in during holiday break and only 3 were present with the plan of passing it through, hence why it wasn????????t ratified.

So those 2 articles you posted give me more hope that this program will work, mainly because the Guy who wrote them original is part of the system, and like you said they DONT want to lose control of the scam they setup. Its only naive to think that the BIG international Banks operate legit, and that this current system which will collapse the US dollar for the AMERO isn????????t crooked as a dogs hind leg.

To anyone reading this he isn????????t sure on the FDRS company, I say fine, I wont know until I am through, but I feel its worth a shot. My main hope to anyone who is wondering is to LOOK on the internet and see some of the videos made that SHOW the history of the IRS, Income tax, and Big Central Banks and they way they loan money.

I was under the impression that banks by federal law can only loan out 10 times the money they have in the bank, and yet we know they lend out MORE which would be violating Federal law? Also Where did Capital One get their deposits, I see know Capital One banks anywhere?

THINGS like this made accept the possibility that this may work.

BTW the statement of CRUSHING the Income tax Protest doesn????????t mean they were Wrong, it just shows there is allot to hide, there are MANY people that WON those cases and there are COURT records for that. But when you get a Judge saying he "DOESNT WANT THE LAW QUOTED IN HIS COURT" how can you win? So there are bought a paid for judges no doubt, the Mafia did it ALL the time. Loll

Anyway Mobile thanks for the posts its info, and I love info, but I think you should tone down a little, you turn people off. So if you really are trying to help and not get business for your company. Soften your approach and use more facts that anger.

I would like to speak to the person that said they are involved with FDRS and offered their email address. The post was dated 2/26/08 at 1:30. How can I contact you?

Paulmergel, you have fallen into the same opinion based, name-calling, fact-free responses as others here, letting your emotion get in the way of your brain.

Your statement ???????i have looked at the BBB and it isn't good for your buds at FDRS??????? would rate a DOH!!! on the Homer Simpson scale. The BBB rating has been rehashed ad nauseam on this forum topic.

But let me take you by the hand and lay it out for you, as I doubt you did more than go to the first page of the ranking. They got an ???????F??????? ranking. There have been 34 complaints. Only 5 complaints merited ???????Significant Complaints??????? status. If you read these 5 ???????Significant Complaints??????? you will see that they have been responded to by FDRS.

And since you put weight behind the BBB, have you checked on the rankings of your CC companies? I????????m assuming you are on this forum because of CC debt. Even if you????????re not, I????????ll guess that you might not like the practices of CC companies. You might even suspect that one or two people have made a complaint to the BBB regarding the CC companies.

Check their ratings. Check their complaints. Let us know what you find.

I????????m also going to assume that you have never started your own company or been part of a small and growing company, especially in a volatile, passionate business like debt. People will get frustrated and complain about their dry cleaner so imagine their feelings/complaints about their debt!

The reason I have only posted on this topic is I was looking for information on the company and this forum came up on Google. As I read through the postings, I became frustrated by the lack of well thought out responses. The more I read the more frustrated I got.

To be honest, I was quite surprised that the moderators let opinion rule over facts. Made me question their impartiality. Maybe that is the way all of the forum boards are. I don????????t know, as I have not looked at the other boards.

In reading this forum, I noticed that there were responses that seemed to come from company personnel. But there were far more flaming, shoot first-look-up-the-facts-never responses.

Regarding ???????why aren't you giving advice and your wisdom elsewhere on this site.??????? Don????????t give me credit for wisdom, for I have little, if any. All I have done is pointed out what I have found by doing a little research while pointing out that many responses, yours included, are shrill, fact-free, mean-spirited opinions that do not help a person who comes to this forum looking for objective advice.

And it seems that the people who do offer ???????advice??????? only do so in order to guide people to their segment of the debt relief industry (nothing personal, mobile0311, we all have to make a living).

And since some people here ???????need to know???????, I work in the IT business. The company I work for is in West LA. Sorry to pop any bubbles in your conspiracy theories.

Finsfan13, I might have been on this board, if it existed, back in 2000 or so, when I was in serious debt. Otherwise, no. Unless you're the guy with a Dolphins hat I spoke to at the Happy Ending sports bar on Sunset?

J-E-T-S Jets-Jets-JETS!!!

Finsfan13 wrote "Willyammer..I'm going to insert myself into this conversation. I just read this thread from start to finish...I think you and I have met here before! Am I right? Laughing I think you had a different name before.."

ah lillyhammer,you're back.i knew you wouldn't disappoint me.my statement still stands,you sound like an employee.you haven't once said anything to convince me otherwise.show me where you have posted anywhere but here.i await your next round of FDRS speak,later.

Unclewulf, PLEASE!!! I paid you a compliment on page 14 > ???????I don't doubt that you are a good person and that you have helped and will help people. You're a rare breed and we all appreciate that about you.???????

What panicfish says is you are an ???????intelligent man??????? who makes her smile. She does NOT say a thing about how your posts have any factual information in them.

that's nice,attack wuelf.why don't you address
me?did i stump you?

Man oh man, paulamergel, you truly are dense. "show me where you have posted anywhere but here.i await your next round of FDRS speak,later."

I have never claimed to make a post anywhere else. Just because I only post on one topic makes me an employee? You need to retake your logic class.

While you are quick to flame me (easy to do) I notice that you have not responded to my BBB>CC challenge. Go for it. Do a wee bit of research and let us know what you find. I'm betting that all you'll do is reply with another flame and no research.

Perhaps you work for a CC company?

Willyammer..I'm no guy. :evil:

Two questions for you..

1. Was that you who messaged me? If so I wish you would log in when you message me so I can message you back.

2. Why the hell would anyone in this generation root for the Jets?

finsfan13- apologies X 2 -
1) I assumed you were a guy
2) that you are a dolphin fan!

Okay okay. At least you are not a fair-weather fan, like so many Laker's fans here in LA. I'm hoping better things for the AFC East, excepting the Pats. That being said, I truly wouldn't mind another 1-15 season for the fins, especially since you have the carpet-bagger Parcells on the staff. I wonder if Parcells and Larry Brown (much traveled basketball coach) share travel tips.

And I have no idea how to "message" on this forum. The first time I tried to post I did hit "Quick Response". I still don't know where that post went.

No I absolutely am NOT a fair weather fan. I have a very lovely tattoo of my avatar on my lower back...And I will even admit to have liked Fiedler..He got us to the playoffs at least. I'd give anything to get him back. Say what you will about Parcells..Yeah, he let a few off-season studs get away, and I'm going to lose Taylor, but maybe..Just maybe. Anyway.

As for where your first post went, it would've gone to the home page of whoevers'post was the last one on the page..So somewhere someone is wondering what the hell is going on.

And..I can assure you that no one posting in this thread works for a CC!!!

You're a Lakers fan? Why didn't you follow the Rams to St. Louis? Or why not Oakland? Anything but the Jets..

Lakers? I enjoy watching them play on occasion but I'm ah, uhm, I'm a (don't laugh) Knicks fan. Grew up out on Long Island, rooting for Mets, Knicks, Jets (and football Giants).

How can you tell no one posting here works for a CC? I mean it seems highly unlikely that anyone from a CC company would. Are there any stats for indebtedness of CC employees? I would assume the ratio is the same as that of the general population but maybe not?

Well, why wouldn't someone who worked for a CC admit it? There's no shame in it. We have had several collection agents..Most of them valuable, although we did have our share of a$$es. We've even had some PDL reps on here who weren't rude..Although they were the minority.

Do you work for a CC? No attack here, just an honest question.

And I'm a Pistons fan.

I really am in the IT business.

I have no agenda here, other than objecting to people flaming and giving opinions without giving facts. But flaming is MUCH easier to do than researching.

I'd heard about FDRS, wanted to learn more about them and came to this forum. I even interviewed with them, using the ad posted here by mobile0311, but decided I like a regular paycheck. That plus I don't think I could hit the phones all day everyday, which seems to be how FDRS gets its clients.

When I asked how they got their leads, they told me that people post information requests on their site as well as other debt sites on the net.

Overall, I like their message - take back America from the banks. Sort of a save-one-person-at-a-time theory, I guess. But work there? Not for me.

Well in case you were wondering,I earn my paycheck drilling oil & gas wells down here in the south. :lol:

The theme is the same...using insulting language, scare tactics, and appeal to emotions when you have something to say that is negative about a company. Use facts and logic when you have something positive to say.

When you google FDRS.org, there is mainly articles from FDRS.org. The negative posts are the same ones over and over again with nothing new to say, or facts to back it up. Each person who says they were ripped off quit after a couple of months, and the others just insult the company with flaming words. Honestly, that just makes me want to finish this program even more so I can post my results...

Oh, and quit saying that everyone who has something remotely positive about FDRS is working for the company...it's getting old!!

If you are just going to regergitate the same arguments over and over again, please do us all a favor and quit posting! Thanks...

I am in the program and I would rather have people post about their personal experiences instead of hearsay...or keep calling people like me idiots because we believe in the program and are willing to stick it out until the end...the more harsh your words the more I want to prove you wrong!!! So you're really doing the opposite of what you intended to do...