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.