Sample letter to collector or creditor who sued

2 | April 6th, 2009 | Posted in General

Of course debts enrolled in the FDRS or Debt Crisis Solutions or any of these scams should be disputed as such:

I have paid this account (am paying) to [FDRS, Debt Crisis Solutions, etc.]

If you’ve been sued, inform them of the TRUTH.  Ask for their help to recover the money from FDRS or Debt Crisis Solutions or whoever you paid.

Here’s a sample letter I drafted for someone with a Discover judgment against him and he also got sanctioned by the court for submitting the idiotic FDRS legal filings.

CHANGE this letter according to YOUR situation:

Re: [Creditor] v. [you] Judgment and Sanctions

Dear Ms. [attorney name]:

I received your [date] letter demanding the amount of $810 for sanctions.  I incurred my credit card debts due to [whatever the problem was] and I eventually could not keep up with my credit cards.

On [date] I enrolled in the [Federal Debt Relief System (FDRS) or whatever] program to eliminate my debts and I have been making monthly payments to [FDRS, whatever] for my credit cards including the [account you're sued for].

[As you know, FDRS gave me legal advice and it prepared my filings for me after you filed suit against me on behalf of Discover. As the attorney in this case, you are also fully aware that I lack any understanding of the legal procedures, rules and content of those filings.]

However, I do know that I have paid thousands of dollars to FDRS and they apparently deceived and defrauded me. I still suffer health problems and I do not have the funds to pay you.

I hope that you will NOT levy my bank account or [list whatever action they threatened with] as [describe your situation, why you can't afford to pay.]

I am now writing a letter to FDRS, demanding that it pay the entire amount due to [creditor] as well as the other enrolled accounts.

If FDRS doesn’t pay, will you please represent me and sue them to pay up?

Also, according to the FDRS account log, it sent numerous letters to [creditor] and to you during 2008 on my behalf, possibly under my name. I never received copies.

Please provide my with all communications received by you and [creditor] on my behalf or allegedly from me from [enrollment date] to present.

I also intend to file complaints with the California and [your state] AGs and the FTC and I want to provide as much documentation as possible to regulators.

I obviously need help with these legal matters and this is all very stressful for me.

Thank you in advance for your assistance.

Sincerely,

…

 

 

 

 

 

I felt really sorry for the person who got so screwed by FDRS and I offered to help him free of charge.  But people only want ME to do all the work and somehow get $45,000 (in this case the approximate amount of enrolled debt, attorney fees, sanctions and interest/fees to date) with one letter to FDRS.

He didn’t like the Discover attorney and has “no need” for her.    Well, I have no need to work for free to help just ONE person AND the help of the CREDITORS critical. They have unlimited funds for attorneys.

FDRS would probably have paid the $45,000 real quick INSTEAD of being sued by Discover.

A big bank can crush an outfit like FDRS in no time and you may have seen the Cap One and Chase suits against similar outfits.

And if Discover had REFUSED to sue FDRS and it continued to pursue the consumer, it would look REALLY bad.

How can they MORALLY justify garnishing wages KNOWING what really happened?  Discover already got sued because one of their customers committed suicide due to their harassment and I don’t think ANY bank would like the publicity of collecting from a consumer, KNOWING that he paid another company and was defrauded.

This is the win win situation - peg the morons AGAINST each other.

I was going to wait until he got his check, but since he has “no need” to bring FDRS down or to save thousands of dollars and he decided to rather PAY the judgment to Discover, run with it.

It’s up to YOU to take action. 

Of course I know that FDRS is reading this, but why would I care?  They are about out of business anyway and I sure have better things to do than to work free of charge for people who don’t appreciate it.

Debt Crisis Solutions is a much bigger problem.

Everybody is getting their money back!

1 | March 22nd, 2009 | Posted in General

I just found some old comments such as this one:

Hey Christine.

This is Rhonda. I contacted FDRS again through mail and phone and just received a letter from them for arrangement of full monies due to me. I will be signing it and trying to get on with my life.

Congratulations, Rhonda.  And I so appreciate your donation of ….

DRUM ROLL …

ZERO

Of course this is WONDERFUL news for all the scammers and frauds. 

I’m NOT the only person who dedicated her life to helping others and to making the world a better place for all – only to eventually realize that most of you are EXACTLY like Mark Cella: you only know how to TAKE.

I always thought that there is power in solidarity and that WE can accomplish ANYTHING if we just stick together.

Obviously, I was wrong.  

I hereby PLEDGE to NEVER again waste so much time and money on strangers. 

Yes, I actually spent MY money to help you get YOUR money back!

From now on I will only assist PAYING clients.

And I’ll try to associate with “like minded” people.  Not everybody sucks, just MOST of you.

I’m busy stocking up on food, fuel, guns and ammo and I really don’t care what happens to all the losers who are obsessed with their THEIR money and THEIR problems. 

Everything is exactly how it’s SUPPOSED to be.

Reader mail: “Please advise …”

13 | March 4th, 2009 | Posted in Reader mail

Got this reader mail today:

message: Hello,
I am currently a client of FDRS and am becoming increasingly worried that I am getting nothing accomplished in eliminating my debt. Maybe it was wishfull thinking on my part that this program would work for me. It has been over a year since I have paid on my debts and I am facing arbitration on these matters. What I need to know is what is my next step. Should I cancel and try to settle with my creditors? What about all the money I paid to FDRS, am I out of luck? Please any advice would help?

You’re VERY lucky to be so WEALTHY!

I’m amazed that people are so loaded with cash, they’ve already thrown thousands of dollars at FDRS and STILL have MORE CASH to throw at creditors.

Why aren’t they paying ME?

Please note the LACK of appreciation for the hundreds of hours I’ve worked to expose and shut down FDRS, FREE OF CHARGE. 

It’s not like I want people to suck up to me to get free services, but come on …  how insulting.  Not even a two word “thank you.”

Was I supposed to reply with a SALES pitch?

Are people really THAT stupid?

I can see that people got duped by FDRS or Debt Crisis Solutions or John Glilha.  But if people are too stupid to appreciate my work, if they are too damn lazy to read the many posts with my FREE advice, I want nothing to do with them.

Throw your money anywhere you like, I don’t care - just leave me alone.

It’s time to shut down John Gliha and Debt Crisis Solutions

0 | March 2nd, 2009 | Posted in General

I just heard the John Gliha commercial on Jason Bermas’ new radio show.  Jason is in for a BAD start.

Debt Crisis Solutions is CONSTANTLY advertised on the Alex Jones show.

So, could one of you “victims” please get off your lazy ass and post your notice to Jason Bermas, Alex Jones and super scammer Ted Anderson at GCN about their scam?

You don’t have to be regular listener, just go to http://www.infowars.com/ and download the podcast.

I’m busy LITIGATING against the credit bureaus and NCO and their scum sucking lying lawyers. 

It’s about time YOU do something to exterminate the scammers.

You don’t need to have my perfect 850 IQ, simply COPY my PUBLISHED notices and change the names.

If you’re all too damn stupid and/or lazy, take a flying leap and enjoy what you have coming.

You DESERVE it.

Fed Debt Relief Sys Trust — fdrs1.org — Is the Casper WY address still active?

4 | February 26th, 2009 | Posted in General, Mark Cella

A reader provided me with this information about “Fed Debt Relief Sys Trust”.

http://www.godaddy.com/gdshop/registrar/search.asp?domainToCheck=fdrs1&tld=.ORG&checkAvail=1&ci=12014

Domain ID:D151973648-LROR
Domain Name:FDRS1.ORG
Created On:10-Mar-2008 16:55:41 UTC
Last Updated On:10-May-2008 03:50:36 UTC
Expiration Date:10-Mar-2009 16:55:41 UTC
Sponsoring Registrar:Network Solutions LLC (R63-LROR)
Status:CLIENT TRANSFER PROHIBITED
Registrant ID:42631221-NSI
Registrant Name:Fed Debt Relief Sys Trust
Registrant Organization:Fed Debt Relief Sys Trust
Registrant Street1:6362 Hollywood Blvd
Registrant Street2:4th floor
Registrant Street3:
Registrant City:Hollywood
Registrant State/Province:CA
Registrant Postal Code:90028
Registrant Country:US
Registrant Phone:+1.877943860
Registrant Phone Ext.:
Registrant FAX:
Registrant FAX Ext.:
Registrant Email:no.valid.email@worldnic.com
Admin ID:42631221-NSI
Admin Name:Fed Debt Relief Sys Trust
Admin Organization:Fed Debt Relief Sys Trust
Admin Street1:6362 Hollywood Blvd
Admin Street2:4th floor
Admin Street3:
Admin City:Hollywood
Admin State/Province:CA
Admin Postal Code:90028
Admin Country:US
Admin Phone:+1.877943860
Admin Phone Ext.:
Admin FAX:
Admin FAX Ext.:
Admin Email:no.valid.email@worldnic.com
Tech ID:42631221-NSI
Tech Name:Fed Debt Relief Sys Trust
Tech Organization:Fed Debt Relief Sys Trust
Tech Street1:6362 Hollywood Blvd
Tech Street2:4th floor
Tech Street3:
Tech City:Hollywood
Tech State/Province:CA
Tech Postal Code:90028
Tech Country:US
Tech Phone:+1.877943860
Tech Phone Ext.:
Tech FAX:
Tech FAX Ext.:
Tech Email:no.valid.email@worldnic.com
Name Server:NS45.WORLDNIC.COM
Name Server:NS46.WORLDNIC.COM

Interesting.  Of course that’s the OLD address.  I suppose somebody could have the domain shut down or at least have them update it to the current address.

http://fdrs1.org/ gets me a blank page.

So I checked the old fdrs.org info: Read More »

Sorry for the late approval of comments — didn’t get the notifications

0 | February 23rd, 2009 | Posted in General

I just found a number of unapproved comments and I have no idea why I didn’t receive the notifications, but apparently that’s a problem since my notebook died a few weeks ago.

Unfortunately, I also received several moronic comments including one identified as FDRS which I won’t approve.  What are they smoking? 

It is of course because of the morons that I can’t have comments approved automatically. 

I’m hoping that I get this email problem fixed whenever I’ll finally receive the drive kit I ordered OVER a week ago.  I’ll make an effort to manually check for comments here until then.

Sorry!

Donate and DOUBLE your money back if I prevail in the doctor Hollander defamation suit

0 | February 21st, 2009 | Posted in Support my fight for FREE SPEECH!

If I get a settlement or judgment in the doctor Tameira Hollander case, donors will get TWICE their donation back. 

Please see http://fdrs-debt-elimination-scam.info/fdrs-fraud-blog/donate-time-and-action-or-cash/ for a listing of donations.

If the Hollander check isn’t large enough to pay everybody, you’ll get a prorated refund.

If I get nothing, you’re screwed and I’m REALLY screwed.

I’ve been EXTREMELY busy with my answer and counterclaims (posted at CreditCourt - go to p. 5 for my counterclaims) in the doctor Hollander defamation case.  You may recall that they had my main website http://creditsuit.org SHUT DOWN by court order. 

On 2/10/09, the judge denied the Hollander CONTEMPT motion and ruled that I was never subject to a restraining order.  While I don’t understand why I wasn’t subject to the restraining order, I’m obviously not going to complain about his ruling.

The details are at http://doctor-tameira-hollander-litigation.info/

Doctor Hollander’s attorney Irving Johnson stated in the CONTEMPT motion in paragraph 13:

Other victims of Ms. Baker’s deliberate harassment have been in contact with Plaintiff.

Guess who these unidentified ”victims” are!

Two weeks ago my notebook motherboard died and I’m working on an old Dell that’s barely usable.

I just ordered new telephone recording equipment so I can RECORD calls such as the calls to FDRS ”Dan Lyle” and PROVE that my FDRS fraud claims are substantiated if they should sue me too.

After earning only $250 in the two months that CreditSuit.org was shut down, I have BILLS to pay. 

I haven’t had any money for legal research and the best offer from an attorney to represent me in the Hollander case was $7,500.

I’ve been harassed and abused by “Mathew Hilton” and Hollander’s attorneys. 

I don’t like my house anymore and I decided to get a gun to protect myself.  i still have nightmares and I think I almost had a heart attack a couple weeks ago.

Is my ability to publish the TRUTH and to warn others about fraudsters like FDRS, Debt Crisis Solutions and many others worth dying for?

Of course I wonder whether I shouldn’t just delete just about everything I’ve ever published, sign up for affiliate programs to incompetent morons like Lexington Law credit repair and scams like FDRS and make a TON of money.  

You bet I’d rather be rich. 

I just haven’t been able to ignore my conscience.

But if I don’t prevail against Dr. Hollander, I might as well just take this site down.  And of course I can delete every page at my CreditSuit.org posts on FDRS and probably about 80% of all my posts — I specialize in exposing fraud, scams and systemic credit reporting and FICO scoring problems.

Every credit bureau and collector can simply demand that I remove my “defamatory” statements.

Defamatory = FALSE statements of fact

If you read my CreditSuit.org posts on FDRS, you know that I’ve taken EXTREME measures to ensure that FDRS had the opportunity to explain why it’s not a fraud.  While my statements and publications are certainly BAD for their business and INTENDED to be bad for their business, everything I publish is true.

Dan Lyle THREATENED to SUE me for defamation, just like Hollander.

Apparently FDRS and Mark Cella couldn’t find an attorney like doctor Hollander’s attorney Irving Johnson who didn’t hesitate to engage in subornation of perjury to make a few bucks.

To date, Hollander and her attorneys have not identified a single allegedly defamatory statement prior to filing suit - despite my repeated requests.  In their contempt motion, they claim that my publications about the suit are defamatory, but never once did they provide a single exhibit or quote of anything I published prior to their suit. 

The extraordinary VILE Hollander attorney Irving Johnson wanted me to remove Hollander’s NAME from my sites.

Is it worth fighting for our right to free speech and to publish the TRUTH?

You tell me …

As soon the recording equipment arrives, I’ll make some calls on FDRS and the status of the AG investigation.

I’d really like to see some people put up a FIGHT when creditors sue them and NAME in the lawsuit 3rd party defendants and counterclaim defendants such as Mark Cella, FDRS, the California AG, Genesis Communications if that’s where they heard the ads, etc.

Debt Crisis Solutions STILL advertised on Alex Jones show and what happened to fdrs.org?

15 | January 27th, 2009 | Posted in Debt Crisis Solutions SCAM

I posted one of the Debt Crisis Solutions radio commercials on the Alex Jones show:

http://www.trado.info/content/debt-crisis-solutions-another-ted-anderson-gcn-alex-jones-promoted-fraud

It’s the EXACT same scam as FDRS.  Ted Anderson is such a scumbag and Alex Jones is right there with him.

And what happened to FDRS.org?  

It has been reduced to affiliate and member logins.  I don’t understand why the site is still live, is the AG ever going to shut them down?

FDRS new address in Burbank, AG froze accounts?

7 | January 22nd, 2009 | Posted in California Department of Justice investigation, FDRS Advertising, Mark Cella

I just read at another ”free money” site:

“… Mark Cella’s accounts have been frozen I heard.  50 million dollars worth of client’s hard cash …”

I can’t imagine that he’d have $50 mill.  But you have a good chance of getting your money back if you sue FDRS, Mark Cella AND the people who got you into that scam, especially if you heard the FDRS commercials on a GCN station or acted on their web ad.

And I also noticed the NEW address at 2600 Olive Ave, Burbank, CA — a reader posted it here yesterday and I don’t understand why the AG allows them to continue to defraud business.

I just posted at that other site:

See http://fdrs-debt-elimination-scam.info/

FDRS is a 200% scam.  I’m very glad to see that apparently the Cal. AG is FINALLY taking action.

BTW, ALL these debt elimination companies are scams, including the ones you hear advertised on the Alex Jones show and many other radio shows and websites PRETENDING to be for the people and against the corporations and bankers.  They’re ALL part of the scam and know EXACTLY that the readers/listeners will be defrauded.

I’ve DOCUMENTED their corruption at my sites and thugs like Ted Anderson (Alex Jones buddy, gold hawker and CEO GCN Network) don’t even bother to deny it.

Got Anderson to stop advertising FDRS after several notices of liability and he immediately started advertising some other identical scam.

So, if you’d like your money back, sue FDRS AND Ted Anderson, the GCN network AND the radio show where you heard the commercials.  There might not be a lot of cash at FDRS, but Anderson and GCN should have some assets.

Christine Baker

These debt eliminiation scams can only rip so many people off because they can ADVERTISE their scam.

Alex Jones - the banking scam and FDRS

1 | January 21st, 2009 | Posted in General
Jason submitted this comment and I consider it important enough to repost it in a new entry:
I have just had to admit to myself that FDRS must be a scam of some kind. It’s either an outright, boldfaced scam designed from the start to fool desperate, drowning people OR it was originally a sound concept that failed to live up to its promises when it met too many obstacles to run successfully and then, under pressure, sank to the level of lying and deception to try staying afloat. I haven’t figured out which is true yet, but either way they’re bad news.
I started FDRS in the summer of ‘07 to deal with roughly 30K of credit card debt on four different credit cards. I faxed all correspondence to them in a timely fashion. I was eventually sued by Discover over a 12K balance. FDRS’s lawyer network, known as CCDN, gave me the paperwork to file in the lawsuit, but they failed to provide the response to their request for discovery and the deadline passed. When I faxed the motion for judgment paperwork to them, they claimed the judgment was premature and THEN they finally sent me the response to the request for discovery that I was supposed to have filed before but it must have been too late. I sensed incompetence then but didn’t lose faith yet. Of course, I lost!  Eventually, the court allowed Discover to clean out my checking and savings accounts for all I had, roughly 7.5K (of the 12K sued for). There has since been another court document looking for the rest. Then an interesting thing happened. My automatic monthly payment to FDRS didn’t post one month. When I called FDRS I was told they stopped taking any more payments from me because I was sued and wouldn’t take my final two payments until their lawyers got me my 7.5K back.
I am a firm believer of truth and the search for it. Thanks mostly to Alex Jones, I know about the conspiracies in the government, the banking industries, etc. and I believe they’re all facts documented in one way or another. So the FDRS concept along with their attempts to teach the truth about a lot of things through their wonderfully informative website, their recent weekly emails teaching the truth about the Federal Reserve, and even the free DVDs they mail out to their clients every month or so has me very confused on what’s really going on here!
If FDRS is just one of those premeditated ‘prey on the gullible’ and ‘kick ‘em while they’re down’ type scams, then why do they bother mailing out DVDs, emailing out teaching, etc.? Wouldn’t these expenses be anti-productive to their scam? Do you see why I wonder if maybe the truth about FDRS is somewhere in between a total, blatant scam and a legitimate service based on truth?
Is the concept of contesting the legality of the credit card ‘loans’ a legitimate thing and FDRS is just not following through? Or is the whole legality issue a scam to begin with? I’m no lawyer, but I still see truth behind the concept. It just seems that FDRS has failed to deliver on their promises.
I’m interested in conversation and debate about all of this, but keep in mind that mere unsubstantiated opinions will be taken with a grain of salt.
Jason, you’re an INTELLIGENT person, as evidenced by your comprehensive post with spelling and grammar in the top 1%.  I get MANY mails and comments and rarely one as well written as yours.
So I’m just totally floored that you would ask this question:
If FDRS is just one of those premeditated ‘prey on the gullible’ and ‘kick ‘em while they’re down’ type scams, then why do they bother mailing out DVDs, emailing out teaching, etc.?
Don’t you realize that they send this crap because that’s why so many people (like you) continue to send them their money?
Alex Jones would talk to you about fluoride, breast feeding and drinking Kool-aid.   Can’t you do simple math?  The cost of the mailing is about $2?   I don’t know what the average payment is, but I’m guessing they’ll get about $400 in return.
MOST people figure out that it’s a scam after after a few payments. 
That’s why the FIRST TWO payments are so LARGE. DUH!
And a few things about Alex Jones:
  • He has guts.

He has a family to worry about, but of course he has plenty of money for security, guns and a nice house.  He got that money from suckers like you.

  • He is as corrupt as anyone.

Just like the NWO, he instills FEAR and demands MONEY to SAVE you.   Don’t you see that new carbon taxes will save the planet just like your support of Alex Jones? :)  There is NO difference! 

Just about everything Alex accuses the government and the NWO of doing he does himself!  The constant deception, fear mongering, the truth mixed with half truths and outright LIES to deceive people like you.

I could spend at least 20/hrs a week documenting and exposing his lies.  FRDS was one, I finally got his buddy and gold scammer Ted Anderson from GCN to stop advertising FDRS and they IMMEDIATELY went to advertising the next scam! 

FDRS, Debt Crisis Solutions, Integrity Debt Relief Group, ….  they’re ALL scams!  Endorsed by Alex Jones and Ted Anderson so that THEY can make a KILLING!

Since I’m not corrupt like Alex Jones and Ted Anderson, I can’t afford to continually document that their advertisements are scams.  That’s especially so since NOBODY has donated as much as 1 cent.  All I get out of this is UNPAID WORK.

So I’ve moved on to expose some other Alex Jones scams, such as the BS solar backup generator.  FDRS only rips people off.  This “generator” can kill people.  I’m glad to be able to show readers how to get a FUNCTIONING off grid system at a much lower cost.  Alex’s PERSONAL endorsement of that fraud is 200% proof of his corruption.

Final thought on Alex Jones: 

Considering that he COULD do his show and websites from ANYWHERE, why is he not at all worried about the safety of his wife and kids and why is he staying in VERY expense Austin? 

Could it be that Alex Jones knows that he has nothing to worry about because he is NOT a threat to the NWO, the government, the bankers and big corporations and that he is in fact helping to dumb people down, to buy “generators” that will never do what he promises, to buy overpriced efoods direct food and to pay for financial services that destroy his listeners’ lives?

I’m interested in conversation and debate about all of this, but keep in mind that mere unsubstantiated opinions will be taken with a grain of salt.

Well, Jason, I’m not interested in conversation and opinion, I’ve wasted enough time on FDRS.  How about some FACTS?
If you post your Discover suit filings we can discuss the legal issues and what went down in court. 
And what’s really going on?
  • Why didn’t you name FDRS in the Discover lawsuit?
  • Why didn’t you report CCDN to the Bar Association in your state?
  • Why didn’t you sue them?
  • Did you file your complaint with the Cal. AG?
  • How did you get to be so rich that having your bank account cleaned out by Discover doesn’t bother you enough to DO something about it?
It blows my mind to see FDRS and CCDN get away with this scam and nobody is doing anything about it.
If I had just ONE wish, I think I’d want everybody to have a BS detector.  
THAT would change the world!
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