Lifeguard Financial - What are the debtors saying?

I need to set the record streight! For some reason everyone is under the impression that once you enroll into a Debt settlement program such as lifeguard or safetrust that your debt will be settles in a matter of a few months. Were you get your information I have no Idea, but you need to get you information from some where else because who ever is feed you this information is lying to you!
IT is a process!!! It took you several years to dig this hole you are in and it wil take these companies time to get you out.
The process is simple:
The creditor has to know that you can not pay th debt in full. Think about this? In most cases you never signed up for 29% interest did you? NO! if you want to be upset with someone then be angree with the one that is keeping you in bondage (the credit card companies)
Second, your debt is paid with your own monies. So if you don't have enough noney in your account how can you expect anyone to settle it for you. Again, it is a process and takes time to get the creditor to accep an fair offer and for you the client to accrue the money to pay it off at the settled amount. IF you want to see how its done go to this web site and see it for yourself http://www.noteworld.com
Last, once the offer is receiced and agreed upon by both the creditor and the client if and only if the client has enough funds to pay the offered settlement is will be paid to the creditor and your credit score will begin to increase!
It is your job as the consumer to do your home work. Understand the process before you assume and make accusations.
The process DOES WORK!!! only if you let the ones that know what they are doing do the driving. Ask the ones that have tried to settle their debt on their own and failed.

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Active Public Consumer-Related Investigation
The case file cited below relates to a civil -- not a criminal -- investigation. The existence of an investigation does not constitute proof of any violation of law.

Case Number: L09-3-1128

Subject of investigation:
LIFEGUARD FINANCIAL, LLC., d/b/a LIFEGUARD FINANCIAL, INC., RICHARD A. PASSERO, SR., and EFRAIN GREEN, SAFE TRUST FINANCIAL, INC., MAIN STREET FINANCIAL GROUP, 1ST PYRAMID FINANCIAL, INC., PLEASE REDUCE MY DEBT, LLC., PLEASE REDUCE MY MORTGAGE, LLC., PRACTICAL DEBT SOLUTIONS, FBL ASSOCIATES, LLC., SBL & ASSOCIATES, LLC.

Subject's address:
4 West Las Olas Boulevard, 4th Floor, Fort Lauderdale, FL 33301

Subject's business:
Debt Consolidation, Credit Management and Loan Modification.

Allegation or issue being investigated:
Lifeguard Financial appears to be in violation of Florida Statute 501.1377

AG unit handling case:
Economic Crimes Division in Ft. Lauderdale, Florida



View contact information for Ft. Lauderdale.

I am sorry but I do believe all the individuals that have posted on the god damn thread on your company... FBL is a scam and I know first hand because I know someone that works in there personally... He doesn't want to realize that he is scamming people but he wants to think he is helping others... I am feeling really sorry for him because he pays no attention to his own family because of the wonderful work he is supposilbly doing for his family.... DUH get a new job and stop trying to make yourself sound wonderful for not doing a good thing for people.

They stole over 6 grand from us also with not one payment made! They are total POS that don't care about anyone! I have been through everything that has been stated on this thread and still have not received one dime back! They offered something like $2,400.00 back but then I can't file a complaint or pursue the rest so that ain't happening. I will continue my pursuit of our FULL refund or will do WHATEVER is necessary to take these scum bags down!!!!! Contact BBB, Attorney General, Media, whoever will listen to stop these scum sucking maggets from stealing our hard earned money!

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DSP APPLICATION
APPLICANT FIRST NAME
MI
LAST NAME
CLIENT ID
Pending
CO-APPLICANT FIRST NAME
MI
LAST NAME

MARITAL STATUS
MARRIED SINGLE # OF DEPENDANTS
APP - SS #
DATE OF BIRTH
EMAIL
CO - SS #
DATE OF BIRTH
EMAIL
ADDRESS
CITY
STATE
ZIP
PHONE #
MOBILE

DEBT AMOUNT
CURRENT TOTAL MINIMUM PAYMENTS
CURRENT W/ MONTHLY PMTS
YES NO IF NO, HOW FAR BEHIND
INCOME
JOB/BUSINESS
LENGTH OF TIME AT CURRENT EMPLOYER
FINANCIAL HARDSHIP
IS THE REASON FOR FINANCIAL HARDSHIP DUE TO AN INJURY ON THE JOB OR ACCIDENT RELATED? YES NO
IF YES, PLEASE EXPLAIN
HOMEOWNER
YES NO CURRENT
YES NO IF NO, HOW FAR BEHIND
LEAD SOURCE

DSP INFORMATION
PROGRAM TYPE
PROGRAM TERM

MAINTENANCE AMOUNT
$49.00 MONTHLY PAYMENT AMOUNT
$0 FIRST PAYMENT DATE
Date selector
ONE TIME PAYMENT AMOUNT
ONE TIME PAYMENT DATE
Date selector UPGRADE?
BANKING INFO BANK NAME
ACC #
RT #
CHECKING
SAVINGS



logo ESP
Safetrust Financial Langhorne Branch
340 E. Maple Ave., Unit 302
Langhorne, PA 19047
Ph: (866) 360-1821
www.safetrustfinancial.com www.my.espda.com



Included in this package are several items that must be returned immediately in order for us to start the process towards the ultimate goal of addressing your debt. Please make sure to fill out and sign as requested below and fax to (954) 318-3909.

checkClient Service Agreement - Signature required ( pages 2 & 3 )
checkNote World Servicing Center Agreement - Fill out and sign ( pages 4 & 5 )
checkAutomatic Withdrawal Form for your First Payment - Fill out and sign ( page 6 )
checkSchedule of payments Form - Fill out and sign ( page 7 )
checkFinancial Hardship Letter - Describe the situation that has caused you to fall behind/or future hardship ( page 8 )
checkCreditor Information - You may send in copies of your most recent statements or use the Creditor Listing Form provided ( page 9 )

Please verify the fields listed below:

Subsciber Name:

Subscriber Address: City: State:

Primary Number: Alternate Number:

Email Address:

Date of Birth: Social Security Number:

Co-Subscriber Name:

Date of Birth: Social Security Number:

1


Expert Settlement Professionals

Expert Settlement Professionals Subscription Agreement

1. Expert Settlement Professionals, hereinafter known as ("ESP"), hereby makes this agreement with hereinafter referred to as client or "You" the consumer. The effective date of this agreement will be .
2. Engagement: Client hereby engages, and grants Software Provider, its employees, agents, assigns, affiliated Service Providers, software systems, law firms, attorneys and its employees, the exclusive right to negotiate with the Client's creditors, and to settle creditors' claims. Any and all Service Providers shall not, however, have the right to bind Client to any settlement without Client's written consent except if the settlement is for fifty five cents or less. Software Provider and Service Providers do not, and will not furnish any accounting advice or services. All information regarding Client's financial condition is the sole responsibility of the Client. Client agrees to indemnify and hold Software Provider, assignees, Service Provider and its principals, officers, directors and employees harmless from any liability incurred by Service Provider based on false or misleading information provided by Client. Client hereby understand, and grants Software Provider, its employees, agents, assigns, affiliated Service Providers, software systems, law firms, attorneys and its employees, the right to communicate by mail, e-mail, or any other media suitable to pursuit.
3. Subject Matter of Agreement: Client is purchasing an automated personal debt settlement system which is backed by FBL Associates, PC law firm. FBL Associates, PC will assist you, the client, with any issues regarding the personal debt settlement system for the following creditors: See attached "Creditor Listing Form".

FBL Associates, PC will execute an independent agreement with an attorney in the consumer's state for the purpose of the following: (1) to assist you the consumer in compiling legitimate financial hardship documents. (2) to support you the consumer with an attorney-client relationship. (3) to provide communication with you, the consumer, for legal decisions on debt settlements.

The beauty of the automated personal debt settlement system is that it empowers you, the consumer, by being the intermediary between the creditor and the debtor. FBL Associates, PC will act as the intermediary between the personal debt settlement system and you, the consumer. In addition, FBL Associates, PC will be the intermediary between you, the consumer, and the local state independent contractor attorney. We wish to make it clear that the use of the attorney support is an option for the client which is included at no additional charge. However, the client may at anytime hire their own attorney at their own expense. The client is in no way obligated to use the recommended law firm.

FBL Associates, PC has over 90 non attorney employees who are available to assist the client with the successful completion of the program. FBL Associates, PC purpose is to facilitate support for the Personal Automated Debt Settlement System. These two companies are separate and distinct entities and are not in any way in a shared ownership with each other.
4. Monthly Installments: The client's subscription enrolls them into an installment agreement where the client will make payments of $0 per month, for a term of months, for the purpose of settling the client's unsecured debts and paying for the cost of the client's Personal Automated Debt Settlement System subscription fee. Client confirms all accounts enrolled to be negotiated by the Client through the Personal Automated Debt Settlement System are unsecured debts totaling approximately $0.
1. ESP Automated system allows the client to settle their unsecured debt, which in some cases are as low as 20%;(depending on creditor)
2. Creditors and third (3rd) party collection companies have the ability to interact with the Automated Debt Settlement system. Creditors will be able to independently view, accept and submit settlement offers for the client's enrolled accounts.
3. The ESP subscription will automatically generate and send cease and desist letters ordering each creditor enrolled in the program to cease communication. However, no one can stop a creditor from aggressively attempting to collect their debts. In order to successfully achieve the consumer's goal for addressing their debt solutions, the consumer must understand that harassment from creditors will occur.
4. FBL Associates, PC a law firm that has a nationwide network of attorneys available to support you the consumer with Expert Settlement Professionals System.
5. Monthly installment: this amount is based on settlements completed at fifty-five (55) cents on the dollar owed through the client's unsecured debt. Should a settlement be completed at less than fifty-five (55) cents on the dollar, the difference, minus the subscription fee will go towards the client's savings account which can allow a shorter term program.
5. Pre-Paid Legal Defense: In the rare case that the client is sued by any of the creditors or collection companies during the participation of the program. We provide up to sixty (60) hours of court attorney representation through Pre-Paid Legal Services, Inc. This is an additional value above that provided by FBL Associates, PC.

Customer Initials

Customer 1


Customer 2

2


6. Daan Module: The subscription includes that Debtor Activated Account Notification System and module. ESP will redirect calls from the client's enrolled creditors for the first 90 days for free after client has made first monthly installment payment. Expert Settlement Professionals will attempt to limit harassing phone calls from creditors. Upon completion of the 90 day free trial period of the Debtor Activated Account Notification System, should the client choose to remain utilizing the system, the client will be charged $25 a month for each month of continued usage.
7. Impact on Credit Rating: Debt settlement is a risky procedure which should only be used as a last resort for a customer who is in serious legitimate financial hardship. Debt Settlement will have a negative effect on your credit. There is no way to go through the debt settlement process, even using the personal Automated Debt Settlement system, and not have your credit report be negatively affected.
8. Cost of Subscription Agreement: ESP wants to make sure that the client is completely informed and educated regarding the cost of their subscription with ESP. The subscription fee has been determined based off of the following calculation: $750.00 per unit, each unit is equal to $5000.00 of unsecured debt.
9. Fee Structure: All fees associated with this program will be included in the client's monthly installments. The total fee for this Subscription agreement is $0. A non-refundable monthly membership fee of $49.00 will be included in the client's monthly installments.
10. Legal Disputes: In the event of any litigation arising out of or relating to this Agreement, all parties, including Client, P&E Solutions agree to resolve the dispute with neutral binding arbitration according to the laws of the State of Florida. Venue for all arbitrations shall be in Broward County. This Agreement represents the entire Agreement by and between the parties. All prior oral agreements or written understandings are deemed merged herein. This Agreement may not be amended except by a written document signed by each of the parties hereto.
11. Monthly Lottery: ESP will be performing a monthly lottery, where you, the client, will be eligible to win a $10,000 credit give away which will be directly used to pay off your debts.
12. Termination: The client may cancel this contract at any time.
13. Refund Policy: Should the client decide to cancel their subscription agreement with ESP with in the first thirty (30) days of making their first installment payment, client would be entitled to a full refund less the $49.00 non refundable maintenance fee. Should the client decide to cancel their subscription agreement with in sixty (60) days of their first monthly installment, the client will be entitled to a fifty (50)% refund less the $49.00 non refundable maintenance fee. Client acknowledges that cancellation after sixty(60) days they will no longer be eligible for a refund.
14. Client Acknowledgement: This Agreement contains a preliminary calculation of the individual debt accounts and total debt amount. It is subject to change based on additional information and calculations. This Agreement should not be constructed as a final binding dollar amount until the file is processed and approved by the Client.
15. First Payment Date: Client agrees that the first payment may be drafted up to 10 business days of the date agreed and signed in the contract. Client understands that ESP will not be responsible for an charges that the client will incur if client payment is drafted during the 10 business days and funds are not available. All future drafts will be on the date stipulated for the client as signed in the agreement.
16. Change Requests and Cancellations: Client agrees and is aware that any and all change, "including but not limited to payment date changes, adding/removing a creditor, changing banking information", made to the clients account require a five business day period prior to and after the payment date for changes to take effect. Company, it subsidiaries and/or assignees will not responsible for any overdraft fees occurred during this period.

Congratulations on taking the first step of obtaining financial freedom.

Enrollment Counselor: Michael Zaslav
Enrollment Date:

Applicant Signature

Date

Print Name



Co-Applicant Signature

Date

Print Name


DOD 5015.2 Compliant Pending Recertification

3

NoteWorld Servicing Center NoteWorld Servicing Center NoteWorld Servicing Center NoteWorld Servicing Center

NoteWorld LLC dba NoteWorld Servicing Center, a Delaware limited liability company, ("NoteWorld") is in the business of providing transaction management and processing services and certain related services as an independent third party, such as receiving, processing and posting payments, holding such payments in a trust account, disbursing funds as authorized, and providing account and transaction information (collectively, the "Services").

Services. Customer appoints and authorizes NoteWorld to provide the Services related to Customer's contract with their Software Provider listed below, under which Customer has agreed to make payments toward an effort to pay off debt. NoteWorld is willing to provide the Services to Customer under the terms and conditions of the Signup Agreement.

NoteWorld Fees. Customer acknowledges, agrees to the fees and authorizes NoteWorld to charge for services according to the then current fee schedule.
Monthly Processing Fee
Settlement Disbursement Fee $12.50
$20.00

Other fees as required:
Return Item Fee*
Wire Transfer Fee
Stop Payment Fee
Check Copy Fee
Pay-by-Web Fee
Pay-by-Phone Fee $20.00
$15.00
$25.00
$25.00
$11.50
$11.50

NoteWorld may change these fees at any time by giving Customer a thirty (30) day written notice.

Changes to Payment. Customer may change this Authorization with a minimum of 5 banking days notice by contacting NoteWorld through any of the following methods: E-MAIL: [email]pas@noteworld.com[/email]; MAIL at: NoteWorld, PO Box 2236, Tacoma WA, 98401 or FAX: 877-830-3177.

Trust Account. Customer understands and agrees that NoteWorld will service it's payments through NoteWorld's Trust Account into which Customer funds will be deposited and held by NoteWorld and disbursed in accordance with this Agreement. Customer acknowledges and agrees that the Trust Account is non-interest bearing. Customer acknowledges and agrees that NoteWorld's trust account may be located in Washington or any other states of its choice.

Account Information. Customer understands and agrees its Software Provider will be given access to view its account information and that NoteWorld may send notices to their Software Provider with this account information.

Electronic Communication. Customer agrees that all disclosures, communications and required receipts for account activity related to the Services and this Agreement may be distributed by electronic mail or one of NoteWorld's web sites. Customer acknowledges that he/she is able to electronically receive, download and print such disclosures, communications and receipts. If Customer is unable to receive, download or print these, Customer will notify NoteWorld and NoteWorld will provide the disclosures, communications and receipts in accordance with applicable law.

Disbursements. Customer agrees that NoteWorld will disburse funds from the Account to pay his/her creditors upon receipt of a settlement letter from the Customer's Software Provider or their Creditor. Customer may approve or decline any disbursement to a creditor within 24 business hours of receipt of electronic notification of settlement. If Customer does not notify NoteWorld of decline of disbursement within 24 business hours, disbursement will be automatically approved by Customer and NoteWorld will proceed to satisfy the terms of the settlement that was negotiated and the Customer may not thereafter revoke such approval. Customer can opt out of future disbursements by contacting NoteWorld at any of the following methods:
E-MAIL: [email]pas@noteworld.com[/email]; MAIL at: NoteWorld, PO Box 2236, Tacoma WA, 98401 or FAX: 877-830-3177.

Personal Information/Privacy. Customer understands that NoteWorld may share my account information with its depository institutions, its affiliates and any other party necessary to provide the Services; including the Customer's Software Provider. Customer has been given opportunity to review the attached privacy policy and agrees to its terms.

I HAVE READ AND UNDERSTAND THE ABOVE INFORMATION.
Customer Initials

Customer 1


Customer 2

NoteWorld Servicing Center, PO Box 2236, Tacoma, WA 98401, (800)535-9192, FAX (877) 830-3177

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NoteWorld Servicing Center NoteWorld Servicing Center NoteWorld Servicing Center NoteWorld Servicing Center

CUSTOMER ACCOUNT SERVICES INFORMATION
Customer 1

Last Name

First Name

M.I.

Social Security Number

Date of Birth

Street Address

Phone Number

City

State

Zip

E-mail Address
P&E Solutions
Software Provider

Software Provider Account ID Number
Customer 2

Last Name

First Name

M.I.

Social Security Number

Date of Birth
DESIGNATED BANK ACCOUNT ACH DEBIT AUTHORIZATION (PLEASE PRINT)

Bank Name

Bank Account Number

Bank Routing Number

Bank Street Address
$0
First Payment Amount ($000.00)

City

State

Zip

First Payment Date (MM/DD/YYYY)

Account Type: Savings Checking

I authorize NoteWorld to initiate Automatic Clearing House (ACH) debits from my designated bank account at the financial institution identified above. I authorize NoteWorld to debit my designated bank account according to the schedule of debits provided to NoteWorld by me or on my behalf or as otherwise provided by agreement. I understand that debits will be withdrawn on the due date unless otherwise indicated and that sufficient funds must be available in my designated account two (2) business days prior to the actual date of the debit (if the due date falls on a weekend or holiday, funds will be withdrawn the following business day). Upon my approval, NoteWorld may adjust the amount being debited from designated bank account. This authorization is to remain in force until the schedule of debits is completed or until NoteWorld has received written notification from me of a change or termination allowing no fewer than five (5) days for NoteWorld to act. NoteWorld may discontinue this service at its discretion after providing written notification 30 days in advance. NoteWorld shall not be required to provide advanced notice when advanced notice is impossible. NoteWorld is not liable to any person for not completing a transaction as a result of any limit on my designated bank account, or if a financial institution fails to honor any debit from such account. I understand that it is my responsibility to notify NoteWorld immediately if a scheduled debit does not occur. I authorize NoteWorld to recover funds in the event of an error or in the event that a prior debit is returned for any reason, including non-sufficient funds.

I acknowledge that the information above is accurate and true to the best of my knowledge.


Customer 1 Signature


Date


Customer 2 Signature


Date

NoteWorld Servicing Center, PO Box 2236, Tacoma, WA 98401, (800)535-9192, FAX (877) 830-3177

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Global Logistics Enterprise, Inc.
4 West Las Olas Blvd, Suite 701
Fort Lauderdale, FL 33301
Ph: (954) 237-8116
www.logisticsontarget.com



Authorization Agreement for Automatic Withdrawal of Funds

I understand that after the first 90 days of using the Daan Module Global Logistics Enterprise, Inc. will withdraw a monthly fee of $25 for continuance of the service, as stated in the ESP agreement.
Client ID#

(leave blank if not applicable)

Name:

Address:
City: State: Zip: Phone:



Check if monthly withdraw date is same as First Withdraw Payment. Date: n/a

Check if monthly withdraw date is different than the First Withdraw Payment.

Monthly debited on (specify the date of the month, e.g. 15)


Please debit payments directly from my (check one):

Checking
Savings
1Routing Number:

2Account Number:

Routing and Account numbers



I authorize Global Logistics Enterprise, Inc., to process automatic withdraw from account listed above for the amount of $25 for continuance use of the Daan Module. I understand there will be a $35.00 fee automatically charged to my bank account if this transaction is returned due to insufficient funds (NSF). I understand that this authorization will remain in effect until I provide written notification of its termination. I understand that Global Logistics Enterprise, Inc. required 30 days before date of termination for requests to be process. Client understands that Global Logistics Enterprise, Inc., will be not be responsible for any charges that the customer will incur if payments is drafted as convey in this agreement date and funds were not available. All future drafts will be on the date stipulated for the client as signed in the agreement.
Signature:
Date:

1 Routing Number is the 9-digit number that appears in bottom left-hand corner of your check.
2 Account Number is to the right of the Routing Number and after the check number on your check.

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Expert Settlement Professional
www.myespda.com



Expert Settlement Professional

Authorization Agreement for Automatic Withdrawal of Funds (Debit Schedule)
Client ID#

(leave blank if not applicable)

Name:

Address:
City: State: Zip:

Debit Schedule

Check if monthly withdraw date is same as First Withdraw Payment.

Check if monthly withdraw date is different than the First Withdraw Payment.

Semimonthly $0 debited on , (specify the dates of the month, e.g. 15,30)

Monthly $0 debited on (specify the date of the month, e.g. 15)

I hereby authorize Bank, through the agent assigned by ESP to initiate debit entries to my checking/savings account at the financial institution named above (my "Primary Bank Account"), in the amount(s) and on the date(s) set forth above, and to debit the same to my Primary Bank Account for the purpose of transferring funds to my account at Bank. I represent that my Primary Bank Account exists, that I own it and that I will maintain sufficient funds in it to permit the debits to clear on the applicable dates. I understand that I will incur a charge as set forth in the Schedule of Fees and Charges if any attempted debit is not immediately honored when presented. In addition, I understand that I may subsequently designate another account for this purpose by contacting the agent assigned by ESP; that I may also change the corresponding amounts and dates from time to time in this manner; and that the representations I made above about my Primary Bank Account will apply to any other account that I designate. This authorization shall remain in full force and effect until I give a written termination notice to the agent assigned by ESP that affords it to the agent, "customer service", assigned by ESP. In addition, I understand that the agent assigned by ESP may terminate this authorization on behalf of Bank by providing me with a written notice at least ten (10) days prior to the actual termination.

7


Financial Hardship Letter






Applicant Name:
Signature:
Date:

8


Creditor Listing Form

The following is based on only the bills that you want to include in your Debt Negotiations/Settlement Program.
*Applicant's name(s) must be on all statements.
Applicant Name:
Co-Applicant's Name:

Total number of unsecured creditor accounts enrolled with Expert Settlement Professionals
Creditor Name Account Number Balance Owed Days Past Due


























9

FBL2.gif FBL Associates, PC
Headquarters
1650 Market St., Suite 3624
Philadelphia, PA 19103
Phone: 888-333-3860

Welcome to the FBL Associates, PC family, where informed clients are our top priority. Your file has been received at the law offices of FBL Associates, PC for the purpose of assisting you with the completion of the hardship program you have enrolled into.

In order for FBL Associates, PC to provide an attorney for you in the state that you reside in you must sign this engagement. However, this engagement will have no additional terms or costs expected from your agreement. The role of FBL Associates, PC is to support Expert Settlement Professionals, herein known as ESP. As part of your subscription to ESP, you, the consumer, will receive a prepaid legal benefit that provides up to sixty (60) hours of court attorney representation from Prepaid Legal Inc. FBL Associates, PC will provide an independent contractor attorney for you, the consumer, in your state for the purpose of assisting you, the consumer, with making legal choices regarding your debt settlements.

The automated debt settlement system is designed to act as your own personal automated debt arbitrator. Creditors will have the opportunity to log in, review, accept and submit counter offers towards the accounts that you have enrolled. FBL Associates, PC has 102 non-attorney support staff whose sole responsibility will be to assist you, the consumer, with the personal automated debt settlement system. Any legal questions you, the consumer, may have will be addressed directly with an independent contractor attorney in your state. Only you, the consumer, will be empowered to disburse funds from your escrow account. This ensures that your money is secure. The beauty of the ESP system is that you the consumer never loses control over the process.

For clarification purposes, FBL Associates, PC will provide the following services:

1. We are the intermediary between you, the consumer, and the automated personal debt settlement system known as Expert Settlement Professionals.
2. We have over 100 non-attorney employees whose only job is to listen to your concerns and answer your questions.
3. FBL Associates, PC will hire an independent contractor attorney for each consumer in their state.
4. FBL Associates, PC will facilitate the effective use of ESP as follows:

i. Perform change requests

ii. Add/remove creditors from the ESP system

iii. Assist with documenting financial hardship

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ATTENTION Debt Settlement should be looked at as surgery. There is no way to have surgery without some discomfort. The process of Debt settlement is financial surgery. It should only be done by people who have a serious financial hardship.

1. The average settlement normally happens within the first eight (8) months in the program. (Depending on the program term you have chosen)
2. Creditors will be aggressive with you in attempt to collect on the debt that is owed.
3. Creditors may advise you that they will not correspond or do business with us. Should you need reassurance, feel free to visit our website at www.fblassociates.com where we have posted over 700 settlements for the month of July, August and September.
4. Creditors will offer to settle with you directly. Keep in mind that the average settlement that our skilled arbitrators have been able to negotiate as of August of 2009 was $.38 on the dollar. As of now, we are receiving settlements as low as twenty (20) cents on the dollar.

Therefore, do not succumb to the typical and repetitive scare tactics that your creditors may use against you. FBL Associates, PC and our independent contractor attorneys are here for you to provide additional support and legal guidance you may need while utilizing the Automated Debt Settlement System to address your debt crisis.

The attorney support is an option for you, the consumer which is included at no additional charge. However, you, the consumer may at any time, hire your own attorney at your own expense. You are in no way obligated to use the recommended law firm.

TERMINATION: The client may cancel this contract at any time.

WHEREFORE, the client, also known as the consumer, hereby signs this agreement and the attached Attorney/Client agreement with their independent contractor attorney.
Consumer's Signature:
Date:

11