“After reading Michael’s letters and a recent court ruling, I realize that I also need to send my FCBA disputes. I also recently started researching Federal Debt Relief Service (FDRS) and it looks like they’re a scam. However, they also send out FCBA disputes on behalf of their clients “proprietary”, which is a sign of fraud) and while FDRS is NOT the way to go, the concept is identical.”Christine,I was in the midst of a high-pressure sale with FDRS rep Russell, who’s “word is his bond”, while googling FDRS to find third party validation. I found your site, got off the phone with Russell and started reading.From the quote above I take it you are saying the the FDRS concept is sound, just that the company is crooked. Can you direct me to resources for doing what FDRS offers on my own? Sample letters, procedures, filings, etc.Thank you.
The link to Michael’s court filings are in the “About” page here and you can read my entire investigation including my correspondence with FDRS and Dan Lyle at CreditSuit.
There is no evidence that FDRS does ANYTHING aside from sending the FCBA dispute to the creditors.
At CreditFactors is the ruling against Target because it failed to investigate, but I don’t have the outcome of the case, they may have settled. I haven’t had any subscribers dealing with this, so I haven’t focused on it. I’m a very busy person and I focus on my own and subscriber issues.
I hope you are aware that there will be judges who will rule that the dispute is frivolous or irrelevant or whatever. But if you’re not paying your bills, you got nothing to lose but hope that when they sue you, your defense will work.
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