How can I get out of the mess created by Freedom Debt Relief?

I would send out a letter asking to withdrawal from the contract. Ask for fees and payments to be returned ASAP. Maybe an attorney would be the best way to go or check out the free consultation offered on this site. (800 602-1579)
Let us know what happens???????..and best wishes, I????????m pulling for you!

Lets clear things up...banks are always going to tell you that they do not work with a debt settlement / consumer counseling / debt management firm - THE COLLECTOR FOR THE BANK WANTS YOUR MONEY (and don't get it wrong, whether it a collector for the bank or a collector at a collection agency, they are performing the same job - COLLECTING on debts).

The FTC is not watching the industry because it's growing and it definitely didn't shut down Ameridebt b/c it grew so fast. The FTC shut down Ameridebt because they were lying and cheating consumers out of money. Period. End of story. They were a consumer credit counseling agency that took money from consumers and did nothing with it. They deceptively advertsied to consumers stating they could save consumers thousands, and did nothing.
You want to know something funny, consumer credit counseling is funded by the major banks. So lets get this straight. The banks, fund CCCS companies, to help "collect" money from consumers who owe them debts. When you cut through all of the smoke and mirrors, CCCS is a glorified version of a collection agency. Intead of calling and harassing consumers, they setup consumers to payback creditors on 4 5 or 6 year plans which really does not effectively eliminate your debt. And then, the bank pays the CCCS company a percentage for every payment that the CCCS company sends to the bank. And who are they really looking out for? You, themselves, or the Bank? You decide.
The debt settlement industry does have its faults. And there are unscrupulous companies as in any industry (look at the mortgage industry and what they are going through - hmmm, those are the same banks that consumers have credit cards with - wonder if there's any connection). The FTC will regulate the industry for these unscrupulous agencies and will deal with them accordingly. That is their primary role.
States don't require that you are represented by an attorney. Banks don't require that you are represented by an attorney. It's a sales pitch, just like you get from the used car dealer down the street from you. While your attorney may have reduced the calls, odds are they will pick up again once your accounts are transfered around from collection agency to collection agency. Hopefully your attorney has experience in settling debts, otherwise you will be in the same situation that you were in previously. Reputable debt settlement companies exist and banks do work with them. Major banks are afraid to admit this because of the fear that they will loose millions of customers with CCCS companies who are continually paying them money.
Banks lobbied to have the Bankruptcy laws changed, to force consumers into CCCS before being eligible for BK. And it did have a slim impact at first, but BK is back on the rise and CCCS companies have not seen the dramatic consumer increase that was expected. Instead, consumers are left with no options, other than do nothing, try to do it on their own, or try to work with a Debt Settlement Company. This is exactly why Debt Settlement Companies exist. They are alternatives to Bankruptcy and CCCS. Hopefully they will be better regulated soon.

As the Founder of Freedom debt relief, i take offense to a competitor taking 'pot' shots with fake testimonials (as Rise Above Debt Relief did above and in even more eggregious and unethical posts elsewhere).

Anyone that wants to see our customer service statistics (average 99% of calls answered in under 30 seconds in March, and less than 10 seconds of client hold times) or resolution statistics (FDR settled over 3,764 in the past month - how many did our so called competitors resolve?)

We work hard for our clients. Always did, and always will. Call me directly if you have questions.

Brad,

I wouldn't have ever thought that companies would go as low as to do something like that!

I was browsing the postings and noticed that we at Rise Above debt relief are being blamed for posting bogus information. Trust me, we are way too busy helping clients to get out of debt to be doing such a thing. Maybe some of the 105 customers that complained about Freedom Debt Relief to the BBB are actually posting their frustration. All I know, is Rise Above Debt Relief has a $25,000 cash guarantee to save clients 30-60%, a national law firm handling the negotiations, and a payment plan that gets negotiations done faster for the client. No debt relief company comes close. But we absolutely are not fake posting. When customers are complaining, look inward, not at your competitors!!

As the President and managing partner of a client-focused debt relief company, I also take offense to fake posts. But I'm not sure if they are fake, I just know that no one in my company has time or even cares about Freedom Debt Relief, we are way too busy!! We are very flattered though when reading your obvious fake posts on bills.com and other websites about our company because that gives us more publicity and when anyone does their research, well, it's an obvious choice. We do have an open door policy, so if you suspect any false/fake info being posted from Rise Above Debt Relief, we welcome a call/discussion. Otherwise, if these are posted by our happy customers, more power to you guys!!

i am considering to use debt shield for my credit
card debt. does anyone knows dealt with this company. i will appreciate your help.
thanks.

Make sure you do all your research first, as not all debt relief / Settlement companies are the same. I checked the Better Business Bureau and they have at least 26 complaints already, and most unhappy consumers don't take the time to complain, so that is a big red flag. Also the BBB.org has important information about them concerning their fees and structure.

Also, make sure they go over your budget to see if this program is right for you and you can afford it, explain all the negatives along with the positives, and offer you a guarantee.

I obviously work for a competing firm, but there are plenty of good ones out there along with even more bad ones, so be careful, do your research and you'll be fine.

Debt Shield is just a 'front-end' organization that sells you (for a commission) on a debt program and then enrolls you with someone else who does the actual program. I would NEVER work with a firm that doesn't both do the consultation and then also handle your case... but you should do what is right for you.

I just recently did a search to research Freedom again. I just want to let you know that so far I have been pleased. you have made this experience a little easier for me. I am glad that you take the time to respond and that you truly seem to care what is happening with my account. Thank you. I would be glad to give statement for others to read to let them now that Freedom does help.

Thanks again!

Denise

I just paid Freedom debt relief $640 a monthe for 4 months. After receiving assurance that American Express would take me to court, I fired Freedom Debt Relief. I lost about $1500 to their "fees". My suggestion:

bail on Freedom, call them and fire them, you will lose money on fees
call each creditor and discuss your situation
assess your situation, see where you stand

Of my 7 creditors, I negotiated a reduced settlement with 3, got 2 back to current, and have planned an "even" settlement with 2.
If all does seem lost, you might want to do bankruptcy, but discuss with a qualified attorney.

freedom debt relief is a front end operation also that sells a product and hands the accounts over to century negotiations. Century Negotiations is run by a complete loser Dave Leuthhold. He is a thief and a coward. Steer clear of Freedom Debt Relief aka century negotiations.

century negotiations also has 34 bbb complaints

get out i am being sued all i can do is contact the BBB. they let these credit card company just rack up the fee and then clain they have steeled them for half

Freedom Debt company sued for misleading customers
By Michelle Durand

Many customers of Freedom debt relief actually incurred greater debt through late fees and collection lawsuits because the San Mateo-based financial services company purposely misled consumers to get their business, according to San Mateo County prosecutors.

The Consumer and Environmental Unit of the District Attorney????????s Office joined with the California Department of Corporation to sue Freedom Debt Relief, LLC, Freedom Financial network, LLC and company owners Andrew Housser and Brad Stroh. The lawsuit filed Oct. 30 in San Mateo County Superior Court claims the defendants engaged in unlawful business practices, including making false or misleading statements to consumers via the Internet and telephone to induce them to buy debt reduction services. The suit also claims the company violated the state financial code by operating without a business license from the Department of Corporation.

The business, located at 1875 S. Grant St. in San Mateo, advertised having approximately $1 billion in debt under management throughout the United States. The company advertised being able to negotiate a 40 percent to 60 percent reduction in debt to unsecured creditors but, according to prosecutors, instead made some customers???????? situations worse.

???????Instead of their debts being settled or reduced, many of the defendants???????? customers suffered increased debt because of late fees imposed by creditors, referral to collection agencies or collection lawsuits. Some customers ended up in bankruptcy,??????? according to the suit.

Prosecutors want an injunction ordering the company to follow the law, pay restitution and pay civil penalties between $2,500 and $10,000 for each violation.

The company????????s goal, according to its Web site, is to eliminate rather than simply lower debt. The plan for those who qualify, the site explains, is a ???????debt reduction program??????? which involves ???????affordable monthly savings obligations??????? to get consumers out of debt ???????in as little as 2 to 3 years.???????

The founders have been profiled by numerous news organizations and were finalists for the 2006 Ernst & Young Northern California Entrepreneur of the Year award.

Consumers who believe they have been victimized should file a complaint with the District Attorney????????s Consumer and Environmental Unit at (650) 363-4651.


Michelle Durand can be reached by e-mail: [email]michelle@smdailyjournal.com[/email] or by phone: (650) 344-5200 ext. 102.

From: The Daily Journal, San Mateo, CA:

Debt company sued for misleading customers
By Michelle Durand

Many customers of Freedom debt relief actually incurred greater debt through late fees and collection lawsuits because the San Mateo-based financial services company purposely misled consumers to get their business, according to San Mateo County prosecutors.

The Consumer and Environmental Unit of the District Attorney????????s Office joined with the California Department of Corporation to sue Freedom Debt Relief, LLC, Freedom Financial network, LLC and company owners Andrew Housser and Brad Stroh. The lawsuit filed Oct. 30 in San Mateo County Superior Court claims the defendants engaged in unlawful business practices, including making false or misleading statements to consumers via the Internet and telephone to induce them to buy debt reduction services. The suit also claims the company violated the state financial code by operating without a business license from the Department of Corporation.

The business, located at 1875 S. Grant St. in San Mateo, advertised having approximately $1 billion in debt under management throughout the United States. The company advertised being able to negotiate a 40 percent to 60 percent reduction in debt to unsecured creditors but, according to prosecutors, instead made some customers???????? situations worse.

???????Instead of their debts being settled or reduced, many of the defendants???????? customers suffered increased debt because of late fees imposed by creditors, referral to collection agencies or collection lawsuits. Some customers ended up in bankruptcy,??????? according to the suit.

Prosecutors want an injunction ordering the company to follow the law, pay restitution and pay civil penalties between $2,500 and $10,000 for each violation.

The company????????s goal, according to its Web site, is to eliminate rather than simply lower debt. The plan for those who qualify, the site explains, is a ???????debt reduction program??????? which involves ???????affordable monthly savings obligations??????? to get consumers out of debt ???????in as little as 2 to 3 years.???????

The founders have been profiled by numerous news organizations and were finalists for the 2006 Ernst & Young Northern California Entrepreneur of the Year award.

Consumers who believe they have been victimized should file a complaint with the District Attorney????????s Consumer and Environmental Unit at (650) 363-4651.


Michelle Durand can be reached by e-mail: [email]michelle@smdailyjournal.com[/email] or by phone: (650) 344-5200 ext. 102.

Regarding: JMCBOAT comments about only waiting 4 months and then firing a debt settlement company for not getting an account settled.
Remember that it usually takes 6 months before a creditor is willing to settle. So maybe they should have told you that up front but again maybe you heard what you wanted to hear.
I'm not saying that company is legit or not...what I am saying is it takes 6 months until you usually see any type of settlement offer.

I think it's such a shame that 'companies' can mislead consumers. WE go to THEM for help, and then we are spit on..ya know? Don't 'they' have ANY shame at all?

Hey Brad Stroh, if you want us to contact you either leave a number, answer your emails or check on your customer service department once in awhile. From what I can see you don't work the accounts and let them go until they're handed over to lawyers to collect. Your customer support people can't provide any information and the people above that level do not answer their phones or respond to emails or snail mail. Why don't you explain the nature of the cease and restrain order against you in the State of California? To people reading this site please check on ripoffreport.com. I know they supposedly gave them a good rating but more recent reports on that site suggest they may have gotten snowed like the rest of us.

I started with FDR they took a year of my first payments then let 2 judgements against me raising the payoffs of the 2, 2k each the couple they did settle was for the same amount I owed. so paid them 2400 for services , settled 2 accounts for same as owed , 2 judgements against me and had to get a lawyer to file bankruptcy THEY ARE A RIP OFF. STAY AWAY FROM THEM

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.

I work with a collection agency, and despite whatever people tell you we settle all day long. Especially now.

We work a TON with two firms. Freedom debt relief and Credit Solutions are by FAR the largest that we settle with, and lets just say that Credit Solutions is a pain and usually screw things up. Freedom is usually better, and their clients are much better since they usually come through with the money. After that it is a huge drop off in how much settlement business we do, but we also deal with a ton of other firms and some of them have no idea what they are doing.

I think 40% is a good place to start and see if you can get that deal.

FYI, I checked out the Better Business Bureau and the complaints with Freedom Debt Relief have been resolved. I see all you other companies bashing Freedom Debt Relief and it is obvious you are using this website to promote yourselves. I am in the Freedom Debt Relief Program and I have had accounts settled already! I am very VERY happy. Mr. Stroh, I want to thank you personally. It sounds like you have a lot of jealous competition out there. You should all grow up and stop bashing other companies. It would seem that Freedom Debt Relief is the only one on here that DIDN'T bash the competition.

I just graduated. Take that Citibank! debt free at last thanks to FDR.

For those that are for Freedom Debt Relief, you obviously have not done your research with FDR or perhaps work for them and that's why you're defending them. They are a rip off!!! Who charges a service fee before they work for you? That should be a big red flag for those who are considering joining this agency. They take your money for as long as they can and they only settle your small accounts. Your big accounts are the ones that end up in a courtroom and they settle your account for the same money you owed in the first place. To make matters worse these judgements stay on your credit report for at least 7 years or until you pay the debt off. So what does FDR really do for you? I'm not talking because I'm a jealous competitor as many of these comments say, I was simply a victim and I don't want others to be sold a dream of your credit being in good standing after 3 years of dealing with them....It's pure BS!!! I wish I would have found out sooner what a scam this agency is, but it took a year before I realized what was going on. FDR is being sued left and right, their latest lawsuit was in Colorado (March 2009). If they were such a great agency as some of these commentators say...then why are they being sued? I'm taking drastic measures and even writing to the State attorney of New York. I HOPE FREEDOM DEBT RELIEF ROTS IN HELL!!!! How dare they take people's money knowing the rough times people are going through! For those that feel stuck if you're in the program...ur not. Speak to a Banruptcy lawyer for "free" and they will help you.

FREEDOM DEBT RELIEF VICTIMS? GOOGLE "ELEVEN DEBT MANAGEMENT COMPANIES SETTLE WITH COLORADO A.G. POSTED MARCH 12, 2009. SO FOR THOSE STILL DEFENDING THIS AGENCY...WHAT ANSWERS DO YOU HAVE FOR THIS?

Eleven debt management companies settle with Colorado A.G.
By Larimer, Rob
Publication: The Colorado Springs Business Journal
Date: Thursday, March 12 2009

Eleven debt management and credit counseling companies have settled investigations withthe Colorado Attorney General office under credit and consumer laws that went into effect last year.
The companies will refund a total of $923,370 in program fees to 912 Colorado consumers.
Debt management companies generally work with unsecured debt such as credit cards and medical bills. As of last year the companies are required to register with the Attorney General's office.
Since that time the Attorney General's office received 27 consumer complaints about debt management companies. The most common violations were failing to be registered, charging illegal fees and failing to allow consumers to cancel contracts.
As a result of these investigations and settlements, debt management companies have refunded
"In this current economy, consumers need to be particularly careful about offers to eliminate debts and erase negative information from credit records," Attorney General John Suthers said. "Consumers should avoid paying large amounts in money in return for promises that sound too good to be true."

The eleven companies include:

Century Negotiations, Inc., a Pennsylvania debt settlement company (TASC Accredited member)
Clearone Advantage, LLC dba Clearone Debt Relief, a Maryland debt settlement company (TASC Accredited member)

Credit Answers, LLC, a Texas debt settlement company(TASC Accredited member)
Debt Relief of America, a Texas debt settlement company

Financial Freedom Resources, Inc., a Florida debt settlement company

Freedom Debt Relief, LLC, dba Freedom Debt, Freedom Debt Help, Freedom Debt Reduction, Freedom Debt Relief USA, Freedom Financial Network and Debt Resolution Partners, a California debt settlement company (TASC Accredited member)

National Foundation for Debt Management, Inc., a Florida credit counseling company

New Beginnings Debt Settlement, LLC a Florida debt settlement company

New Life Debt Relief Corp., a California debt settlement company

PDL Assistance, Inc. dba PDL Eliminators, an Alabama debt settlement company

Pemper Companies, Inc. dba Curadebt, Curadebt Systems and Banks, Schwarz & Levitz, a California debt settlement company (TASC member)

More companies under the so called consumer protection shield of the TASC. Go to the TASC site, look up the companies and you will find nothing mentioned about this. More evidence that the TASC is BIAS, USELESS & an INCOMPETENT organization.

Good Post Guest. Very, very good post.

BBB writes: 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

This what they are talking about:

On May 29, 2008 The California Corporations Commissioner filed a desist and refrain order against Andrew Housser Founder and CO-CEO of Freedom Financial Network, LLC, and Bradford Stroh Founder and CO-CEO of Freedom Financial Network "FFN", LLC, and it's affiliated entities, Freedom Financial Network, LLC, Freedom Debt Relief, Inc.; Freedom Debt Relief, LLC; FDR; Alivio Holdings, LLC; Bills.com, Inc.;Bills.com, LLC; Bills.com; Freedom Tax Relief, LLC; Alivio Mortgage, LLC for being in violation of sections 12200, 22104, 22153 and 22154 of the Financial Code.

The State of California, Department of Corporations has asserted that FDR should be classified as a "prorate" which is a statutory term commonly applied to credit counseling agencies that receive and control consumer funds. FDR disagrees with the Department of Corporations' interpretation and hope to resolve our differences without resorting to a law suit. FDR believes this lawsuit affects only California-based customers, and then if only FDR cannot reach an agreement with the Department of Corporations.

You were ORDERED to stop business in CA. You continue to ignore that. You use deceptive names to fool people. You were sued....What? How many times? How many places? Please stop. You have been exposed for what you truly are.

"The State of California, Department of Corporations has asserted that FDR should be classified as a "prorate" which is a statutory term commonly applied to credit counseling agencies that receive and control consumer funds." According to the Law suit. THIS IS WHAT YOU DO!!!

Freedom Debt Relief Program is run by Stanford idiots (trust fund babies with no real business skills) that tell people to stop paying their bills, and charge outrageous fees to allegedly help clients out of debt. In reality, all FDR does is put debtors in a worsened financial situation by taking money that can otherwise be used to pay settlements. Actual services rendered only takes a few minutes on the phone with a third party debt collector years from when you stop paying (the longer your debts go unpaid the less valuable they become). Essentially, all FDR does is wait for your debt to be sold to third party debt collector (third party debt collectors buy your debt from the original creditor for .15 cents on the dollar) and then attempt to negotiation a ???settlement deal??? once they believe you have enough funds built up. Anybody can get .50 cent on the dollar settlements. It???s simple as that. If you need more information just search for ???how to settle your own debt???, and save yourself a shitload of money.

Oh BTW, it looks like New York Attorney General Andrew Cuomo has it in for Freedom Debt Relief

latimes.com/business/la-fi-debt-relief8-2009may08,0,3964386.story?track=rss

FDR is a huge company servicing 100s of thousands of clients. Rise above is a small company trying to throw rocks at the "big kid" because for every client they assist, freedom probably helps 100. Freedom is an Earnst and Young winner, #3 in Fortune Magazine hot 100, and in the INC 500. The owners proved they know how to run a good business. I am very impressed they have as few complaints as they do given they serve so many people. For every person that complaints, there are 1000 others that are happy.
Rise above- how bout spending your time marketing and helping your clients rather than trying to get new clients by defaming a much better company than you.

jay m ummmmm we don't work for Rise above. FDR has government law suits on their back and several complaints. You do know this right?

Nice try pal.

This tom guy really needs to find something better to do with his time.

These posts are crazy, anyone can post anything on here?

Yes idiot, they can.

This Tom guy must be really bored to put all these posts

No. He's just really passionate about this. Why do you care?

Can I ask him out on a date?

I can do more than one thing at a time. I can multitask. And yes I am Bored at times but Nascar is 100% right. I am passionate about it. It's funny how you can get behind a cause when it actually happened to you. I'm amazed about how much knowledge I have obtained about this topic in the past year. There is so much of it. It's a hot topic now considering the economic times. Even family members and friends are asking me for advice about it. I've learned alot.

It's funny how some people have (thousands) of comments on here but you single ME out...LOL. I'm not even close to that. I must be PO'ing someone.

Thanks for backing me up Nascar Devil!!!!!

And ummm..... you can ask me out on a date but I need to see what you look like first....LOL. No uglies for me. How about on our first date I'll treat you like you guys treat your customers......LOL. That's only fair right?......LOL.

What can I say I just like to help.

I have been using Freedom Debt over year now and they have successfully closed 3 of my accounts for half of what I owed. I also checked my credit report each time and one of the companies..wells fargo..who claimed THEY DO NOT Accept offers ever...was the first to accept. They also reported on my credit report paid as agreed.. so Freedom Debt was worth using.

Well, I've tried calling FDR all morning, and their phone is not being answered. Today I received yet another letter from an attorney demanding payment. This is the THIRD account I signed to FDR that has resulted in my being subpoenaed, have my checking account frozen, wages garnished, and all of the other horrors for which I signed with them in order to avoid!!!!!! So, MR STRO, WHAT IS YOUR CONTACT INFO??-
I got my war-crippled husband who has to live in a nursing home to sign with you. You and I need to talk!

Well, I've tried calling FDR all morning, and their phone is not being answered. Today I received yet another letter from an attorney demanding payment. This is the THIRD account I signed to FDR that has resulted in my being subpoenaed, have my checking account frozen, wages garnished, and all of the other horrors for which I signed with them in order to avoid!!!!!! So, MR STRO, WHAT IS YOUR CONTACT INFO??-
I got my war-crippled husband who has to live in a nursing home to sign with you. You and I need to talk!

I was enrolled in Freedom Debt Relief Company and have since got out of this messy tangled web of bad advise lack luster customer service and absolutely terrible follow up procedures. I thankfully received a refund from them and had to sign a waiver that I would not file a claim with the BBB. But I can post my dealings with them here. If your thinking about going into this company to help you STOP right now. Call your creditors yourself!!! All Freedom will do is delay you and your creditors to the point where you'll end up being sued and taken to court like I was. Yep thanks Freedom. I was lied to from the start from freedom debt relief and said will settle for less than you could. NOPE I settled my own for less than they ever did. It takes months really years for them to collect enough to pay you cards anyway because they get paid first. YES you pay them first. So while the calls keep coming and the letters keep coming and your credit takes a knock out punch thanks to their advise you lose even more than when you started. For example I owed 4,600 and by the time I woke up with all the late fees and this and thats it was now 9,700 within less than a years time. They could not get this number down that's right they said they could not because the creditor was a tough one. They told me I had to go to court and thats when I said enough of this crap. I ended up settling this account myself for exactly what I owed them when I stopped using the card. Fair is Fair I paid them in full 4,600 that I tucked away with my sales bonus checks my wifes hard work and ebay sales. I did this tuck away plan and talked with my creditors personally. I made plans with them and kept my word. I settled two more cards for 1/2 of what they wanted. I always paid them what I actually spent. I think that's a good rule. See what your balance was when you stopped and plan to pay that. You can set up monthly payments and or settlements. Freedom Debt never got any of my creditors to stop calling like they said they would. I kept getting letters every day it seemed and phone calls after phone calls for months. Freedom did nothing for me here. They paid off one small account in a years time and it was for the full amount they wanted and it was more than what I actually spent. That was the worst deal out of my bunch and it was the so called professionals who settled it for me. Thanks again Freedom. I recently paid my last credit card off and now I have no credit card debt. That's right folks. Now I did receive help from my folks but mainly my wife and I with kids and a house tucked away each month from what we earned. I would take 10 bucks a day and stuff it away. That 10 bucks was what I would spend on coffee a energy drink a little lunch and so on and on...Now think about how much that one little move can produce. 10 x 30 days say a month is what yeah 300 bucks!!! I did this for a year and that was just part of what we did to knock off our debt. Look you can do this by yourself with out Freedom Debt Relief...Hey if you want to go this route than go to a non profit place OK that's the only legit relief help you'll every get. Freedom Debt did not cause my problem and they did not cause yours so remember that. We need to change are spending habits. Now some of us got here by medical bills losing jobs ect...YES out of our hands but all we can do is our best and make better money decisions. I never want to get back in the credit card game again and now that I'm credit card debt free I can tell you living within your means is the only way to go. NO MORE buy and pay later NO MORE credit cards taking my actual FREEDOM away. I learned Freedom is truly being debt free and Freedom Debt Relief will only delay that FREEDOM for you and anyone else who gets in that messy web that company calls relief. Peace to everyone and I truly pray for everyone right now with this debt over their heads. Look it's only money LIVE your life during this process be as positive as possible and give your time to your children your partners your community yourself during this ordeal. Give back and it will come back in so many ways. Live your dreams be your dreams and live honest and hard working lives. Thats the best advise I have. Don't stop saving Don't stop living and don't hide any more get going get out of this debt slowly or fast and don't forget were not bad folks here we just have debt that's all. You can do this you can!!!
Peace
Freedom for all

I am needing credit relief at this very moment but I called FDR and felt so pressured, the guy that I spoke with actually harassed me with phone calls trying to get me to sign up, he was so aggressived that I was scared to sign up and just quit answering his calls, it took 3 weeks for him to stop calling

I wouldn't sign up with any person or company that was that aggressive. Sounds like a used car salesman.

[COLOR=black]I have worked at FDR in customer service for about 6 months and we speak to thousands of clients a week. We hear a lot of positive feedback from clients regarding our services and settlements. I apologize if you were unhappy with your service, we strive to provide outstanding service to all of our clients. [/COLOR]

So Denise did Freedom really help you????

Yes - Why should a company get paid for working ??? thats just stupid. The REASON that debt settlement companies charge their fees ahead of time is otherwise people would just let them settle their debt and then not pay for the service. I have been enrolled in a debt settlement program for a year now , and we have had half our accounts settled. It works if you go with a trusted company and not just some scam company. We went with Clear One Advantage and have not had ANY problems. I wish you all the best.

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