Reader mail:

I see info on a conversation with Gayle Weller regarding investigation of FDRS. I too apparently have been scammed and now can’t reach anyone at the company and am awaiting documents to file for my court hearing in a few days.

How can I file a complaint with Gayle Weller?

Mail it to:

California Attorney General
Public Inquiry Unit
PO Box 944255
Sacramento, CA 94244

Is there potential of class action lawsuit?

Not unless a big law firm is willing to sue the California AG office for failing to shut FDRS down.  Maybe the state has immunity, I have no idea.  It’s extremely unlikely that you’ll get attorneys to sue FDRS unless you pay the attorneys many thousands of dollars because FDRS is UNLIKELY to pay a judgment and there are no assets.

I have mounds of paperwork and can ‘prove’ my case. thank you!

Send it to the Cal. AG and YOUR state’s AG if you don’t live in California.

And to all who are sued:

File a motion for continuance and/or a motion to join FDRS, Mark Cella and the people who sold them the FDRS fraud.

1. Since FDRS promised to assign an attorney to you and now FAILS to respond, you should get at least a month to be able to look for an attorney, learn about the law yourself, try to get FDRS to pay or settle the debt and/or research whether you qualify for bankruptcy.You MUST provide documentation to the court, such as the FDRS promise to assign an attorney and your emails/faxes to them requesting assistance.You might want to include copies of some of my relevant posts here.
2. Provide a copy of your AG complaint to the court.

People who don’t qualify for bankruptcy and are NOT judgment-proof (especially if wages can be garnished — that’s STATE law) should consider settling lawsuits or possibly all their debts.

If your debt has been SOLD by the bank and a DEBT BUYER sues you, there’s a good chance that you can get the case dismissed because they can’t document their claims and maybe you can even get a check from them for Fair Debt Collection Practices Law (FDCPA) violations.

As always, RECORD all collection phone calls and keep all collection letters.

I continually see truly outrageous misconduct and illegal collection practices.   ATTORNEYS who sue you have to comply with the FDCPA and many don’t.

If the original creditor (bank) sues you, be sure to conduct DISCOVERY and have them admit that they CREATED the money out of thin air.  I’m sure you all watched The Money Masters DVD FDRS sent you.

We’re all being SCREWED by the bankers who DARE to get the money they lend entirely FREE and then charge 30%+ interest!

If WE could create money to pay our debts as they create the money when they make the loans — electronically and instantly — we’d have no problem PAYING our debts.

Educate yourself and stand up for your rights!

More info is posted at

7/09: Chase forgives the debts of account holders defrauded by Hess Kennedy debt elimination scam

Please note:

I am NOT paid by the government or anyone else to research FDRS and I don’t receive many donations.  However, I recently had an FDRS victim who was sued PAY me for a review of his situation and to try to get FDRS to pay his debts and he then made a donation of $200.  I wrote the demand letter to FDRS for him and that’s why I’ve called Gayle Weller with the Cal. AG and I posted my declaration for his court case:

My declaration to have FDRS, Mark Cella, Herman Lewis and Kathy Quintos added to creditor suit

Please note that I am NOT an attorney and I cannot accept payment for legal advice.

Arizona attorney Hammerman recently accused me of giving legal advice and I will be asking the Arizona AG to do the work I have been doing.  After all, he gets paid for it and I don’t.  I’ll ask the AZ AG to put lawsuits against FDRS victims in Arizona courts on hold until he can determine whether any funds can be recovered from FDRS and their people.

My expertise is credit reporting, FICO scoring and settling debts IF that’s what you want and SHOULD do. Please see my business site CreditFactors for more information.