I do understand your problem, :( but you do need to stay calm as things happen in life. As you seem to be having debt related problems, the last thing for you is to file for bankruptcy. Hence, if you ask me, what you need now is credit counseling.
I know a website http://www.debtconsolidationcare.com/ where many people get credit counseling for debt related problems and their debts get consolidated. You can try this link.
Can you explain how they ruined you. I signed up with them two months ago. What they preach on their website is accurate. The only question is whether they can deliver.
I had my checking account garnisheed three times.
They did absolutely nothing for me. My credit is destroyed. All they would ever say is that they had filed a complaint with the feds. Once enough complaints are filed then evrything would be rosy. My advice to you is get out now before they destroy you. Good Luck.
I've been in FDRS and they have definitely underdelivered in the service department... they claim that the garnishments are standard procedure because it is a result of a local case, then they make a federal case to get the money back and cancel the debt...so I'm told... has anyone actually been with FDRS for the complete 18 months????? That is who I'm looking to talk to...FDRS states that if people stick in the whole process that they have a 100% success rate.
I am considering using fdrs.org. What they say is accurate, but how do I know if they can do what they say they will--release my debt? Is there anyone out there who's been through their program successfully?
How can garnishments be standard? Do they take so much out when ever they like or is it you let them take money out of your checking and have to wait to fight to get it back? That seems absurd to me. To give them that much power is asking for financial ruins. You should never allow any collection agency or otherwise to take money from your account. This gives them free access to dip in when they please. Try reading some of the other posts and see where this got others. They had money taken nonstop.
There is some really good advice. It would be a lot better to just make the payments to your debts. I really wish people would do alot of investigating before hiring these types of places...most probaly work for the collectors themselves.
I have a mother in law that file bankruptsy and they oput here on a really good repayment plan and she is doing great now. That could be an option for you. Some do not like to do this but if it is the resort and it helps to get it all on track then it would be a very wise choice. Good luck.
Currently, consumer debt is a BIG problem, and Federal Debt Relief System recognizes that. The average American with a credit file is responsible for $16,635 in debt, excluding mortages, according to Experian. (Source: U.S. News and World Report, "The End of Credit Card Consumerism," August 2008).
Thankfully there are many institutions and organizations driven by a mission to relieve consumers of their debt.
Federal Debt Relief System is driven by this debt relief mission and has proven that it can do so. Here are what a few of our members are saying:
"I'm very happy to find FDRS - you guys are great and my rep... has been just terrific to work with..." TJ S., TN
"What a blessing that I found FDRS. I'm telling anyone I know about this company. For me, this has TRULY BEEN A MIRACLE. I'll never be able to thank you all enough..." Veronica R., VA
We encourage you to continue to explore your options for debt relief and genuinely wish financial freedom to all of us who are in debt and looking for a way out.
Thank you for allowing us the opportunity to share these facts and member opinions.
As you may have seen in our other posts to this forum, FDRS is very concerned about the world's current debt situation, like other members of this forum. We're not alone, and the facts are startling. Total U.S. consumer revolving debt reached $962 billion in May 2008, up from $879 billion at the end of 2006. About 98 percent of that debt was credit card debt. (Source: Federal Reserve)
Consumer debt is a BIG problem and it is growing. Federal Debt Relief System is driven by a debt relief mission and has proven that it can effectively do so, as many of our members attest:
"Thank you for all of your time and hard work! You've been responsive and helpful the entire process." Jake & Sasha M., Co.
"My representative has been nothing but supportive - There is hope at the end of the road... Some services are only in it for the money, I don't get that feeling with [FDRS]." Karen B., WI
FDRS realizes there are many debt relief options available, and we encourage you all to do your research and find what's right for you.
Thanks for letting us share our thoughts with you, and we wish the best of luck to all those seeking debt relief.
OH MY!!! What is this??!! 'You guys' trying to 'drum up' business, by placing ads on this forum? OMG!! How un-cooth!! Hopefully a MOD will look at this.
I do believe we are a notion with mass amounts of credit card debts..that is one fact I doubt anyone can really argue. The question is how did we get to be this way? I believe alot goes into play here. First when the paycheck gets tight the credit cards become necessary for survival..especially lately, the dates it went up more has been times of higher prices. I also believe the debtor holds responsibility but so does the credit card companies by decieving people into getting that card and then raising their interest rates. We have all seen the posts here before..where they go back and find some reason to raise your interest rate.
Oh! my God!!! you got stuck with FDRS.
Well, the best thing to do as of now is to get a detailed information about this. You can go through this link. http://www.fdrs.org/faq.html
FDRS
Thanks for your reply Rachel. FDRS has ruined me. I'm now in the process of filing chapter 7 bk.
Hello Curtis,
I do understand your problem, :( but you do need to stay calm as things happen in life. As you seem to be having debt related problems, the last thing for you is to file for bankruptcy. Hence, if you ask me, what you need now is credit counseling.
I know a website http://www.debtconsolidationcare.com/ where many people get credit counseling for debt related problems and their debts get consolidated. You can try this link.
FDRS
Can you explain how they ruined you. I signed up with them two months ago. What they preach on their website is accurate. The only question is whether they can deliver.
Look forward to your response.
FDRS
I had my checking account garnisheed three times.
They did absolutely nothing for me. My credit is destroyed. All they would ever say is that they had filed a complaint with the feds. Once enough complaints are filed then evrything would be rosy. My advice to you is get out now before they destroy you. Good Luck.
Hello curtisdms,
Seeing you after a long time :).
FDRS
I've been in FDRS and they have definitely underdelivered in the service department... they claim that the garnishments are standard procedure because it is a result of a local case, then they make a federal case to get the money back and cancel the debt...so I'm told... has anyone actually been with FDRS for the complete 18 months????? That is who I'm looking to talk to...FDRS states that if people stick in the whole process that they have a 100% success rate.
is fdrs.org for real
I am considering using fdrs.org. What they say is accurate, but how do I know if they can do what they say they will--release my debt? Is there anyone out there who's been through their program successfully?
FDRS
Has anyone been successful yet?
How can garnishments be standard? Do they take so much out when ever they like or is it you let them take money out of your checking and have to wait to fight to get it back? That seems absurd to me. To give them that much power is asking for financial ruins. You should never allow any collection agency or otherwise to take money from your account. This gives them free access to dip in when they please. Try reading some of the other posts and see where this got others. They had money taken nonstop.
fdrs
has anyone completed the entire 18 months
I just visited the fdrs.whatever site...the FAQ page gave me a good laugh.
Instead of paying FDRS, why not make payments on your debts?
Otherwise, begin saving money in order to file for BK.
There is some really good advice. It would be a lot better to just make the payments to your debts. I really wish people would do alot of investigating before hiring these types of places...most probaly work for the collectors themselves.
I have a mother in law that file bankruptsy and they oput here on a really good repayment plan and she is doing great now. That could be an option for you. Some do not like to do this but if it is the resort and it helps to get it all on track then it would be a very wise choice. Good luck.
I have never heard of fdrs, what exactly are they supposed to do in the 18 month time frame?
i would imagine straighten if we googled them we would find out.
Why Members Trust Federal Debt Relief System (FDRS)
Hello CreditMagic members,
Currently, consumer debt is a BIG problem, and Federal Debt Relief System recognizes that. The average American with a credit file is responsible for $16,635 in debt, excluding mortages, according to Experian. (Source: U.S. News and World Report, "The End of Credit Card Consumerism," August 2008).
Thankfully there are many institutions and organizations driven by a mission to relieve consumers of their debt.
Federal Debt Relief System is driven by this debt relief mission and has proven that it can do so. Here are what a few of our members are saying:
"I'm very happy to find FDRS - you guys are great and my rep... has been just terrific to work with..." TJ S., TN
"What a blessing that I found FDRS. I'm telling anyone I know about this company. For me, this has TRULY BEEN A MIRACLE. I'll never be able to thank you all enough..." Veronica R., VA
We encourage you to continue to explore your options for debt relief and genuinely wish financial freedom to all of us who are in debt and looking for a way out.
Thank you for allowing us the opportunity to share these facts and member opinions.
Sincerely,
Federal Debt Relief System
Why Members Trust Federal Debt Relief System (FDRS)
Hi CreditMagic members,
As you may have seen in our other posts to this forum, FDRS is very concerned about the world's current debt situation, like other members of this forum. We're not alone, and the facts are startling. Total U.S. consumer revolving debt reached $962 billion in May 2008, up from $879 billion at the end of 2006. About 98 percent of that debt was credit card debt. (Source: Federal Reserve)
Consumer debt is a BIG problem and it is growing. Federal Debt Relief System is driven by a debt relief mission and has proven that it can effectively do so, as many of our members attest:
"Thank you for all of your time and hard work! You've been responsive and helpful the entire process." Jake & Sasha M., Co.
"My representative has been nothing but supportive - There is hope at the end of the road... Some services are only in it for the money, I don't get that feeling with [FDRS]." Karen B., WI
FDRS realizes there are many debt relief options available, and we encourage you all to do your research and find what's right for you.
Thanks for letting us share our thoughts with you, and we wish the best of luck to all those seeking debt relief.
Sincerely,
Federal Debt Relief System
debt
OH MY!!! What is this??!! 'You guys' trying to 'drum up' business, by placing ads on this forum? OMG!! How un-cooth!! Hopefully a MOD will look at this.
I do believe we are a notion with mass amounts of credit card debts..that is one fact I doubt anyone can really argue. The question is how did we get to be this way? I believe alot goes into play here. First when the paycheck gets tight the credit cards become necessary for survival..especially lately, the dates it went up more has been times of higher prices. I also believe the debtor holds responsibility but so does the credit card companies by decieving people into getting that card and then raising their interest rates. We have all seen the posts here before..where they go back and find some reason to raise your interest rate.