It’s been almost two weeks since I sent out my email alert to over 400 (former) FDRS clients.   I received MANY replies, but not nearly as many as I expected.  And I’m still receiving emails from people who apparently did NOT get my mailing — they either weren’t on the email list or my mail is in their junk folder.

Many responses included the information I requested, such as the total paid to FDRS and whether they’d be willing to contribute a few hundred dollars towards legal and research expenses.

Many were enthusiastic about litigation and offered to contribute.  Some wrote that they were too broke and had no money and a few conditioned financial contributions on a guarantee of recovery of funds.

Most of the (former) FDRS clients who responded either already have creditor judgments against them or they are currently being sued.  Some settled with creditors, some filed for bankruptcy and some have their wages garnished.

Many asked me for advice, but obviously I need a LOT of information about each individual, their financial situation and especially their STATE law to make any recommendations.

I‘ve also been EXTREMELY busy as I am NOT on any government payroll and I do NOT receive any grants.

My almost two years of FDRS research is funded by me and the occasional donation.

I know how FDRS operates because I have worked with several FDRS clients who were sued by creditors and last week one of them was facing a deadline to respond to a creditor lawsuit.

Since I’m not an attorney, I can’t give LEGAL advice.

However, I contacted the law firm listed on the complaint and attempted to get them to agree to an extension.  They IGNORED me.   Then we found out that the process server made false statements on the affidavit of service such as claiming that he served my client a week PRIOR to the actual service date.

Of course I documented my attempts to confer with the attorneys and my client filed a motion with the court to extend the time to respond to the complaint so that he can search for an attorney to represent him.  He needs an attorney to focus on FDCPA violations and on the issues with the service.

Are process servers backdating the service date so that the consumers have less time to respond and it’s easier for the creditors to get default judgments?

So that was a ton of work and then I got a new computer and I’m still installing software and getting everything set up — aside from working on my regular business.

Several FDRS clients had QUESTIONS:

How did you get my email address?

For obvious reasons, I’m not going to disclose my sources.  According to postings and emails, FDRS failed to pay some employees and quite a few felt mistreated and abused.  FDRS and the people who run this scam have many enemies.

A couple FDRS clients seemed a bit hostile towards me and I suggest they direct their hostility towards FDRS.  After all, it failed to protect your data and I’m just letting you know that you’ve been financing a criminal enterprise with your monthly payments.

I will be glad to discuss how I received the FDRS client email addresses with authorities.

Why are you interested in FDRS?

An excerpt from my 11/1/09 email:

… I am NOT an FDRS client, but it always motivates me when criminals threaten to sue me for publishing the truth and I also received many comments and emails from readers whose lives were destroyed by lawsuits.  It’s not just about money — financial problems and litigation stress cause divorces and literally make people sick. …

The FDRS victims are ALL KINDS of people and some are no different than the FDRS owners.

They simply can’t imagine that anyone would care about anything OTHER than getting more money in their bank accounts.

Some people emailed several times and became upset because I didn’t respond to them.  I have NO obligation to respond to anyone and to waste my UNPAID time on people who are too lazy too READ the entirely FREE information.

I provided numerous links with RELEVANT information in my email.

The GOOD News

Apparently many of the recipients of my email decided to stop making payments to FDRS.  FDRS decided to spread a bunch of lies about me, including that I’m a criminal and that I have been arrested numerous times.   If you believe these totally unsubstantiated and obviously FALSE allegations, please continue to pay FDRS.

One person asked me for a response, so here you go:

• My bio is at http://www.bayhouse.com/ChristineBaker.shtml, although I’ve been too busy to update since 2004.

• My lawsuits are posted at http://forum.creditcourt.com/cgi-bin/discus/discus.pl, including most filings and even the credit reports I submitted as exhibits are there.
• SOME of my fraud investigations are linked here: 
  http://credit-reporting-collection-ftc-complaints.info/links/

• There is no such thing as a certificate of NOT being a criminal.  So the best I can come up with is my California real estate broker license:
  http://www2.dre.ca.gov/PublicASP/pplinfo.asp?License_id=01007950
  You do have to pass a background check to get a license and any convictions result in revocation of the license.

I WOULD sue FDRS and the persons responsible for their defamation (I have NEVER been arrested for anything) if it was possible to serve them.   But I’m not going to spend thousands of dollars just to file a defamation lawsuit and to locate those lying scumbags.

If anyone at FDRS feels that I’m defaming them, I hereby REPEAT my offer to accept service by fax because I’d greatly appreciate the opportunity to document my allegations.

Simply fax the waiver of service and the filed complaint to 571-222-1000 and I will ACCEPT service.

Mark Cella and his goons are criminals by any definition. That they chose to attack me as they did indicates that I’m successful and that many people stopped paying them and that’s GREAT!!!

What’s next?

I contacted attorney Peter Lago who had posted here that he was looking for people willing to testify for one of his clients, but I didn’t receive a response.

Finding a reputable and competent attorney is not easy.

Quite a few of the FDRS clients are willing to contribute towards a retainer for an attorney, but “somebody” would have to come up with the total amount available and “somebody” would have to prepare a case summary and exhibits and then contact REPUTABLE attorneys.

“Somebody” would have to ensure that it’s not going to be another lawsuit with only the LAWYERS benefiting.

As my long-time readers know, most class actions are nothing but a lawyer scam — they get paid and the class members get a coupon or $20 … it is unbelievably pathetic.

Considering that ALL FDRS clients would be class members and SOME are morons just like Mark Cella and Dan Lyle and only want to TAKE but NOT contribute, I would suggest that litigation should be limited to FDRS clients who are committed and who are not just freeloaders.

On the other hand, I have received quite a few emails from people whose lives have been ruined and who really don’t have any money.  SOME might be able to contribute in other ways.  I’m not sure sure how to deal with this.

Additionally, some responses contained qualifiers such as that they’d be willing to contribute to a lawsuit IF they’d get their money back.  Yeah right.  You don’t have to pay attorneys when they expect to get paid by the defendant.  Conducting discovery and paying for asset search is a major expense — as I explained in my email.

Preparing a JOINT complaint with the California attorney general?

It might be most effective to collect the information of MANY FDRS clients who did NOT get what they paid for, prepare a statement for each client including what they expected, what they paid and what happened — less than half a page per person.

Submit ONE complaint summarizing the issues to the Cal. AG and include the individuals’ statements along with the proof that FDRS defrauded its clients.  I already have many documents proving their illegal practice of law resulting in SANCTIONS against the FDRS clients and MANY documents including the court filings, sanctions and judgments.

Would anyone like to pay an attorney to take on this task?

I’m guessing that it would take a couple of hours per FDRS client to prepare the statements.  Preferably the FDRS online account summary at https://www.fdrs.org/login.php would be submitted as it contains all payments, the enrolled accounts and notations regarding correspondence received and sent regarding all enrolled accounts.  However, some wrote that they no longer have access to their account online.

Pool resources to DEFEND against lawsuits?

Since many FDRS clients are being sued by creditors and they are facing DEADLINES, that should be a priority.

However, court rules and laws vary by STATE and the FDRS clients are being sued in STATE courts.  While legal concepts are similar, the rules and laws can vary substantially.

I’ll elaborate more in a new posting.

My NEW website

I will be starting a NEW website about all kinds of scams and I will be working on the initial setup.  There will be multiple blogs about DOCUMENTED frauds as well as free speech issues.  FDRS is NOT the only scammer in the business and when looking at the BIG picture, a minor player.

I’m documenting fraudulent FICO scores and systemic credit reporting problems impacting on many MILLIONS of people with not the SLIGHTEST clue why they’re paying over 20% or maybe even 30% interest and why their insurance premiums are increased due to their credit scores.

And I’m still building my house in the high desert and I have electrical work to finish and sheet rock to hang before winter.

I will be posting some key FDRS documents ASAP.

Please understand that I have to earn a living and I have many other projects going.  I hope that at the very least people stop wasting more money on FDRS and I’ll think about how to proceed.

If YOU have any ideas, please post.