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.
Please do not pretend to know me. Why should I give you money or thank you. I ask for advice and all I get are insults. For your information I am not wealthy but am a person deceived by FDRS and a little clueless on what I can do in the matter. I just stubbled onto your webpage. YOU set up this webpage not me but do not worry I will leave you alone.
I didnt know where else to put this. Yes, cancel your account with FDRS. I sent them a very extensive legal correspondence and they have agreed to refund my money.
Madeline, of course I know you. I READ what you wrote.
“Why should I give you money or thank you.”
Unbelievable.
There are so many people like you.
Dumb and selfish, convinced that the world revolves around them.
Madeline, you DESERVE everything you have coming.
There are the corrupt bankers and politicians, people like Mark Cella and John Gliha, and then there are so many like Madeline.
I’ve always said that just because people are not very bright, nobody has the right to defraud them.
And I felt that we need to create a society to protect all.
Then I read “Jms” bragging about his refund, yet he does NOT write about his efforts to get FDRS and the other scammers shut down. Is he really Mark Cella or Dan Lyle? Or is he just as selfish as Madeline, just a little brighter?
I just saw the email “Jms” sent thanking me. So maybe he really got his refund. I sure did NOT get a donation from him.
That’s because he gave his money to the banks.
Should I just blow my brains out?
Jmes:
You mentioned “I sent them a very extensive legal correspondence and they have agreed to refund my money.”
Would you happen to have a draft of that so I can do the same? Like Christine’s letter pitting creditor attorney vs. fdrs?
I would be willing to pay if you can get my money back they owe me about $11,000 I cancelled with them when their website went down. Do you think they will refund my money also? I would be willing to pay for the help.
I dont know if the request for documents and admissions will help me case, it seems it might but to be honest I have another debt floating out there that hasnt went to court at all yet and both the debts were suppose to be protected by FDRS. How much do you charge Please email me….
Hi John,
Did you see http://creditsuit.org/credit.php/blog/open_letter_to_citi_and_chase_re_mann_bracken_refusal_to_contact_settle/?
I do whatever it takes to get their attention and in this case, I’m going to provide an affidavit to my client for court to show that they refuse to contact me to settle. This is not FDRS related and I actually have never experienced anything like that, having attorneys ignore me. It’s truly amazing what some of these lawyers get away with.
And of course I can NOT give you legal advice, as I’m NOT an attorney.
I can only tell you what I would do — AFTER knowing exactly what happened.
I’m sure you’ve seen my sample letter at http://fdrs-debt-elimination-scam.info/fdrs-fraud-blog/2009/04/sample-letter-to-collector-or-creditor-who-sued/ — that’s PROBABLY what it takes to get FDRS to pay, maybe in combination with a regulatory complaint. I don’t know how much longer they’ll be in business, Mark Cella was recently deposed in a suit by a former employee.
In your lawsuit you should probably not file anything that FDRS provided unless you want to get sanctioned by the court. But obviously, I haven’t seen the admissions.
If you want me to have a look at your situation, please order a Credit Review and we have a few hours to discuss the issues:
http://creditfactors.com/subscription-and-services/credit-review/
After a few hours I have a pretty good idea what you’re chances of success are — much depends on YOU and YOUR documentation and willingness to take this where it needs to go.
Here’s a case where my client followed my instructions for disputes and getting credit reports and he provided me with the required information on the account.
I spent AT LEAST 20 hours free of charge on the FTC complaint and dealing with DeVry and Experian:
http://credit-reporting-collection-ftc-complaints.info/
My client only paid for the initial review and then the “settlement” of DeVry, but it was such a compelling case, I decided to pursue it. He was easy to work with and in the end it all paid off for him, Experian deleted.
Christine
Hello Christine,
I am not so much interested in the credit score as the documents I filed, The lawyer has ignored my request for documents and the admissions I sent him. Also the judge requested the documents to be provided without the need for a formal discovery request, so I get the impression that this lawyer may not be up to snuff and doesnt have the proof needed to show the debt is mine. Otherwise he should have provded the documents by now anything really. its been months since the scheduling hearing was put off a few months. judge wanted stuff in 30 days so I think things “MAY” work out for me but mainly because of the collection attorney trying to get a quick win by default and not because of FDRS.
BTW you do know that FDRS had a program called the fulfillment center which seemed to work at removing credit issues on the accounts atleast all are removed except 1 on 1 of the credit agencies.
Congratulations!
FDRS cleaned up your credit AND is helping you prevail in court, what else would you like?
Well I feel I “MAY” knock on wood lucked out. Basically because of the collection lawyer. It was fulfillement center that was cleaning the credit. I have a feeling at one time this programmed worked but like the Income Tax legal action was soon to be countered by the Judges and courts and smarter collections.
I still am concerned about my other account, I will let you know how this goes, I am sure your curious to see if it might even work in one case? I was hoping you had some kind of legal contacts that I could get ahold of, I thought you might have been a lawyer or paralegal.
I think the big thing is most of the people who are getting scammed are patriots, people who know about the NWO and are getting ripped on all sides. I think we both agree the Government has gone WAY past corrupt and that society as a whole are doing the same. I fear like you said with all the fleecing that this country is doomed…..
BTW I am not stupid, mentioning people who went with them as stupid is completely correct, their association with the patriot movement is was dooped me, there were MANY times my gut told me to pull out, but I was in for a penny, in for a pound. Everyone is entitled to be tricked once, It WONT happen again.
I just hope that in my case things work out, but time will tell. I know have the documents so if I am left on my rear and can reuse them to defend myself again, if this works the first time.
Hello Christine, I was a client and I am in the process of filing a complaint to the CA AG, I spoke with the lady in your posting. She said that people filing with the AG are getting their money back. I plan to submit the documents and complaint, any advice on what to say to have the most effect against FDRS? I know they claim legal representation/advice and yet they dont have any attorney present.
BTW if I get my money back which is a real possibility I plan to give a portion as a donation to you, for your website, I think everyone that used this site to get their money back should donate to you to help you continue the fight, The AG was interested in the Debt Crisis Solutions when I told her I think its the same company.
thanks!
Hi Bill,
It’s great to see that you called the Cal AG, but Debt Crisis Solutions isn’t the same company, just another company scamming people the same way.
There are just so many scams, everybody trying to make a buck off people with debts.
As far as the AG complaint goes, I definitely would not be satisfied with a refund. I’d demand payment of the debts and if the credit rating was negatively impacted, compensation for that too.
“I know they claim legal representation/advice and yet they don’t have any attorney present.”
Practicing law without a license is a felony in many states and they SHOULD go to jail for the HORRIBLE legal advice they’re giving. Of course someone would have to submit the filings they provide to the AG and/or the Bar Association.
Of course once they’re shut down, people might not get their money back anymore. As long as suckers are still PAYING them there’s money for refunds.
That’s the sad part.
Well, I have their legal filings.
So I can prove they are giving legal advice without a license. I can try to get more, but I think I would have to do a lawsuit for that. The AG only said everyone going through them are getting their money back. Like I said I will donate to you for sure for the sight you made. Your a treasure, BTW though Alex Jones isnt endorsing Debt Crisis Solutions, but he is guilty of knowing the Ted Anderson is taking AD money from a program that rips people. Only things that are endorsed by him are the ones he reads in his voice. But he knows better…… But then some of the people he gets on his show are informative if you know how to sort through his hype. lol
Yeah, you have to sort through the hype. And I believe that Alex gets a percentage of the ads from GCN / Anderson.
I was thrilled when a neighbor asked me recently where I got my “9/11 was an inside job” bumper sticker and then had to tell him about Infowars.com and Alex and I wish I didn’t have to apologize for his rants — it’s embarrassing.
I’ve been listening to different radio stations and XM lately and it is truly horrifying to hear all those advertisements by debt settlement companies, solar “generators”, seed scams, food supplies …
It’s like America produces ONLY scams and ripoffs.
Back to FDRS, PLEASE send the legal filings to the AG and if they want filings that were submitted for COURT, I have some I can send in. I just run out of time, but if they care, I WILL make time.
I’ll let you know. Alex woke me up to whats going on so his program does do some good, but I agree the scams need to stop, but I think one has to admit he is king of the info movement, you can tell by the caliber of people he gets on his show alot of celebs and congressmen.
I’m not sure on the AG I will be glad to get my Money back, she didnt seem to care too much, but I think she is hiding the fact they are building a case? She didnt confirm asset confiscation, so I dont know.
I do know these programs are worse that the debt settlement programs because they FEED off patriots and steal their money that could be used for more important things.
Christine & Bill – I need help. I am a client of FDRS and they have screwed me, too. I have an arbritration hearing in a couple of weeks and my fear is they’ll garnish my wages. Plus there are more lawsuits on the horizons from other accounts that were enrolled in the FDRS program.
Bill, I’m in Arizona. Who do I talk to at the CA Atty General office to get my money back from FDRS. Based on your post, looks like people who went this route were successful in getting their money back. I’d like to do this before they’re shut down.
Christine, you said, “As far as the AG complaint goes, I definitely would not be satisfied with a refund. I’d demand payment of the debts and if the credit rating was negatively impacted, compensation for that too.” I SO want to do take this action. How do you suggest going about doing this?
Then you said, “PLEASE send the legal filings to the AG and if they want filings that were submitted for COURT, I have some I can send in. I just run out of time, but if they care, I WILL make time.” Anything I can do to help with this?
I happened upon the National Assoc of Consumer Advocates (www.naca.org) recently after doing some research on the FDRS scam. Bud Hibbs (budhibbs.com) directed me to that. I found a local attorney who is associated with the organization. I haven’t set up the initial consultation. Should I go forward with it, or find out what you can do to help (and yes, I know your help wouldn’t be free, that’s ok)?
By the way Christine, I too will donate a portion of any returned money to your site/cause.
Do attorneys have licenses or just membership cards into the BAR association?
What would you recommend for someone 5 months behind on their mortgage, facing immediate foreclosure? The bank says the process has started. We have some money, but not enough to pay for 5 months…maybe 4. But of course they want 5 plus all their purported fees. I found this site after a friend told me about the John Gliha site. I thank you for your comments and postings about him and will not spend the money now. I am familiar with other patriot type processes, but haven’t really seen much success. I am in California, a non judicial state.
It sucks that you’re in a non judicial state. And I’d have to know a LOT more about your situation to give you any advice.
However, start by requesting your accounting statement pursuant to RESPA at my closed Fight Back forum:
And I suppose you have their letter demanding payment in full, but if you really want to keep the house, also include your request for payment arrangements and let them know how much money you have.
Do NOT just send them money so that they can foreclose on you anyway.
More advice on dealing with foreclosure.
And of course stay away from all these people offering to “help” you only to refer you to crooks for a nice commission.
The TRUTH about the people who want to “help” you:
Mortgage Victims Assistance: “Serious about cashing in on the Mortgage Modification Market?”
Greed rules the world.
Well Christine, it seems the AG isnt doing much as of late, alot of the files being sent to them are NOT being listed in their data base. While I am sure they will Eventually get to them FDRS could be gone by then I am sure they only have a few clients left that are the last ones, so their money will be running out in a few months, then they will skip town.
Apparently because of the IOU’s in CA the people arent working, and I dont think they plan anymore action against them. Afterall they got the 50 million seized and none of that will go to those scammed, The Suits against them seem to be going nowhere.
I fear out country is done for….. Looks like neither of us will get a penny from them. Funny probably one of the few that would have paid you only to get nothing. what a world, while the rest get their money and contribute nothing.
Bill, please see my post at http://fdrs-debt-elimination-scam.info/fdrs-fraud-blog/2009/07/50k-demand-to-fdrs-request-for-assistance-to-creditor-attorneys/
One way or another, I hope to be able to “eliminate” the enrolled debts. If FDRS doesn’t pay up and the creditors don’t take action, at least the consumers shouldn’t have to pay the debts.
I’ve been researching / considering John Gliha’s supposed debt elimination program and I’ve just come across your posts disparaging the program. I’d appreciate if you could post some details describing where the fraud comes in – so far I’ve only seen general comments saying the program’s a scam.
After having been on a few of their weekly conference calls they claim that by following their process you will not eliminate your debt but you will in essence eliminate the liability from your debt by establishing an LLC and creating a ‘friendly lien judgment’ against yourself thus blocking other creditors from enforcing any judgment they may get against you since only 1 judgment can be enforced at a time. I’ve been questioning this myself and would love to hear from someone who knows for sure why this is a scam.
Thank you,
Frank C.
Frank, you’re not the only person who falls for this fraud. I even know of people who fell for Gliha AFTER FDRS.
“… eliminate the liability from your debt by establishing an LLC and creating a ‘friendly lien judgment’ against yourself thus blocking other creditors from enforcing any judgment they may get against you since only 1 judgment can be enforced at a time.”
For God’s sake, are people THAT gullible?
It is entirely FALSE that only ONE judgment can be enforced at a time.
If “your friendly LLC” already garnishes your wages, they might submit evidence of your fraud to the court and you might get jail time. It would probably take me LESS than half an hour to DOCUMENT that your “friendly LLC” is a fraud.
The same applies to your real estate. If you walk away from your house and your “friendly LLC” gets paid instead of a judgment creditor at the foreclosure sale and they find out (they’re not as stupid as the people who pay Gliha), they’ll make sure your fraud is exposed.
If you try to SELL or refinance, you simply can’t until ALL judgment creditors got paid unless the BUYER is willing to purchase WITH the judgment creditor’s lien against your house. It doesn’t matter how many other liens you have against the property.
And why on earth would anyone go through the expense of setting up this scam — most people could just pay their bills or settle the accounts with that money!
I can’t believe people PAY for such HORRIBLE advice.
Not to mention that anyone who isn’t a true deadbeat would have trustworthy FRIENDS or FAMILY to simply transfer their assets to or put a lien in their name.
At least you could argue that you like them, you made a gift, or maybe you owed them for something.
Wealthy people do that all the time and it’s not illegal. The wealthy get COMPETENT advice from professionals (tax and bankruptcy attorneys) – not a moron, or should I say CRIMINAL like John Gliha. Something tells me that he might be the next Mark Cella.
If you’re willing to set up this elaborate scam with your LLC and FAKE judgments against yourself, you better be willing to go to jail.
BTW, setting up such a fraud will certainly help creditors to successfully argue FRAUD in bankruptcy court. You’re not some innocent victim, you’re a criminal, you never intended to pay your debts and they will therefore NOT be discharged.
I just cannot believe the nerve Gliha has and I will certainly mention him in my dealings with AGs.
My DEMAND to AG Jerry Brown for Mark Cella’s arrest and restitution to the FDRS victims.
Thank you for the feedback- I’m glad I didn’t commit. That said, do you know of any reputable outfits that offer a good service or do you recommend negotiating with creditors on your own assuming you fall behind on payments (which I haven’t yet)? I’ve contacted a bankruptcy attorney referred by a friend but he told me I make too much $$ to declare bankruptcy…go figure. My issue is that my divorce has left me with a large amount of unsecured debt and enormous new bills, ie child support, rent, etc. Once I’ve paid my bills for the month I’m left with negative disposable income and no savings left to fall back on.
Frank C.
Frank, there are NO reputable outfits to recommend. If there was just ONE, I’d be linking to them and make MEGA bucks in commissions.
Unfortunately, I have to make my money the old fashioned way: earn it.
I don’t have a crystal ball and can’t make recommendations without spending several hours to assess YOUR situation:
http://creditfactors.com/subscription-and-services/credit-review/
I need to know who EACH creditor is and how much you owe and what for (secured, unsecured, child support, etc.) — for starters I review the credit reports.
Then I need info from my clients:
STATE law determines whether wages can be garnished and when the statute of limitations expires.
Re. settling: “on your own assuming you fall behind on payments (which I haven’t yet)?”
Many of my clients settled SMALL accounts themselves with a little help at their private forum.
Can you record phone calls?
A MUST if you want to negotiate on your own behalf. Bankers and their collectors frequently LIE.
Much of what you SHOULD do also depends on your willingness and ability to document violations so you have counterclaims if they sue you.
If you simply default, you might get lucky and some of the accounts might be sold to debt buyers. If so, you have an excellent chance of prevailing in court if they sue you.
Of course you could also settle SOME accounts as opportunities arise. One of my clients once got an offer from Chase to settle for 10% — that’s a no brainer if you WANT to settle, but in my client’s case, he chose not to because he had many other debts and there was simply no point to spending thousands on settling this one account.
You could stop making ALL payments including child support and make the CHILD SUPPORT PAYMENTS your “friendly LLC” IF your wages can be garnished.
What YOU should do also depends on your ASSETS. Do you have equity in a home? Retirement funds?
If you are judgment-proof and they can’t garnish your wages (either because of state law or because it all goes to child support), one option is to ignore the unsecured creditors.
After you stopped paying the unsecured creditors you might be able to save that money so that you have cash to settle accounts for 10 – 30% IF that’s what you want to do.
No two situations are alike and one person’s solution is the next person’s nightmare.
I’ve given you some options here, but there really is no way to advise someone on a MAJOR decision such as whether to default on credit cards without knowing a lot more about you, including some personal info such as your health, how stressed you’ll be if collectors harass you, etc.
There’s a LOT more to life than money and ultimately you need to find a way to deal with your debts without having the bankers destroy your life.
Read some of the FDRS damage reports to get an idea what can happen when you default:
http://liarsandcheats.info/fdrs-mark-cella-debt-elimination-fraud/submit-your-damages/
It’s heartbreaking what some of these people are going through and to realize that they PAID many thousands of dollars to end up in misery.
Just a few hundred dollars for new phone numbers and a different mailing address could have saved many so much aggravation. A little planning goes a long way.