Submit your DAMAGES!
Below you can submit your DAMAGES due to the FDRS fraud.
You have to REGISTER at Liars and Cheats EXPOSED before you can post to ensure that we have your correct email address so that you can be contacted by the California AG or other regulators, should they choose to finally take action.
Simply state the following:
- amount paid to FDRS
- any other damages, such as lawsuits against you, credit problems, stress, illness, divorce, etc.
Do NOT post your name or contact info!
All submissions are MODERATED and should be approved within a day.
Please also consider that your comments are intended to convince REGULATORS to investigate FDRS and don’t curse or use offensive language.
For any other questions, offers to help, etc. please post at the blog or at the FAQ.
My Wife and I enrolled 4 credit accounts with FDRS in Aug 2008 , we were defrauded out of $7000. My wife was served a notice she was being sued by one of the creditors , and the poor Answer and false legal documents provided by FDRS were completely inadmissible. During this time period we were given bad legal advice by FDRS, they would not let us speak to the attorney that was promised in the agreement, as well as lying about the credit repair that was also in the agreement. My wife’s credit suffered, which prevented us from refinancing our home.
After reading your orginal blog about this company, we decided to hire a real attorney who is representing us in regards to the lawsuit put forth by on of our creditors. We decided this because of the constant false promises and lies by FDRS, and most importantly my wife is pregnant and was put under tremendous stress due to this encounter. It has been frustrating trying to find a competent attorney to sue FDRS hopefully the results of this blog will have better results than we’ve had.
Well-loved. Like or Dislike:
+15
I enrolled with FDRS in January 2008 and paid them a total of $8,805.40. I was in deep but wanted a fresh start, FDRS promised me just this so I went along. I did everything they said, made all my payments, filled out all their paperwork and waited anxiously for May 2009 when I would be free of all my debt. I received the collection calls, and all the mailings from debt collectors which I promptly forwarded on to FDRS. My debts kept being sold from one debt collector to another, so I assumed that FDRS was doing their job and I was going to be free soon. The problem is is that more than half a year after I’m done with FDRS, two years after I started with FDRS and stopped making real payments on my debts, these collectors are still calling.
It is clear that FDRS did nothing real on my behalf despite collecting nearly a third of what I owed. I am going to have to face this problem, and pay someone, starting with a lawyer and probably others, to do what FDRS said they would. My credit is shot, I still have the same problem I had before FDRS but now FDRS has nearly $9,000 of my money that would certainly help me actually solve my problem.
Bernie Madoff scammed the super rich, FDRS has targeted the desperate and struggling. I feel for his victims too, but their problem was that they had too much money, our problem is that we don’t have enough. Are we to be told that our problem is not important, that FDRS is going to get away with this because we don’t have thousands to prosecute? We don’t have money to prosecute because FDRS took our money and we still have our debts.
Well-loved. Like or Dislike:
+14
My partner and I signed up with FDRS in the early fall of 2006. We were told by Richard Scheide (our contact person at FDRS) that the total cost to us would be about 22 % of what we owed the creditors. At that time the length of the program was 14 months, and each month our checking accounts would be debited by FDRS, the first two months being larger amounts than the subsequent twelve. We ended up paying them over $33,000.00 for a total of ten accounts, five each. When we first signed up, Richard Scheide told us reassuringly that because we had never been late on any credit card payments, and had good credit, we would be done with their program early, after six months at the most. During that time we started receiving threatening letters and phone calls from the creditors, and when I would call Richard, he would reassure me that all was well, just hang in there a little longer. When I expressed doubts and asked to end the program since the letters to appear in court started showing up, Richard asked me if I was a Christian. I told him that I was, and he said that he was also, and therefore I should trust him since a Christian would not screw over another Christian!
The next time I called FDRS in frustration, Richard Scheide was gone, I was told “for personal reasons”. Our next contact person was a pleasant lady named Christine, followed by a gentleman with a very professional sounding Columbia school of broadcasting type of voice named Tim Roland.
Now we are nearly nine months into the program, and something strange happened. We received all these letters from credit bureaus returned to us for being sent to the wrong addresses… Experian, Trans Union and Equifax! None of them had the correct addresses and since FDRS had put our return addresses on the envelopes, they came back to us. When we opened them, we found various forged letters from our various credit card companies with “photo-shopped” logos for Discover, Chase, Capital one, etc. All of the letters were signed by Elizabeth Salazar, who was falsely representing herself as working for each of the various creditors demanding that each credit bureau remove any negative information that had been put on our credit reports since we owed nothing to these credit cards!
Alarm bills were now going off big time! We called Tim Roland and he agreed to meet us live and in the flesh at the Hollywood Blvd. office to assure us FDRS was on the up and up. We took all our files and showed up late one afternoon and walked upstairs to their office. We were told to sit and wait just inside the door and Mr. Roland would be with us shortly. Meanwhile, a short man with dark hair sat right next to us, not so covertly checking us out. In hindsight, I believe this must have been the owner Mark Cella (sp?). In a few minutes Tim Roland took us back to one of their conference rooms where we had a half hour meeting with him and Elizabeth Salazar. They were both very friendly, invited us to come back in whenever we wanted, and once again reassured us that we were almost done with the program and all would be well.
Several weeks later when I called in I was told Tim Roland was no longer with FDRS and from there we were both enrolled in their attorney program, named CCDN. At this point in time we had both been sued, and had judgments against us for not appearing in court based on what we were told to do by FDRS and CCDN. When we insisted on meeting with an attorney from CCDN, they identified an attorney from Arizona who would take care of us from that point on. We flew the attorney from Arizona to Los Angeles at our expense. He told us that we would have to enroll in his legal debt repair program, and for the cost of $10,000.00, $2,000.00 of which he would collect from FDRS he would negotiate settlements with all our creditors. When he went to FDRS to collect the $2,000 portion from them, he told us, “Oh my God, this is a boiler room operation, a total scam, and they are making millions of dollars off victims like my partner and myself. Furthermore, he stated he would start a class action lawsuit against FDRS and he would guarantee us over a million dollars in damages if we would “stick it out with him.” After six months of no action and more nasty calls from creditors all he would say was the lawsuit was coming together and to be patient. At one point he asked us to deposit our monthly payment to him into his PERSONAL CHECKING ACCOUNT and not to the company he allegedly worked for because of book keeping problems.
Once again alarm bills went off. I did some searching and found that the Arizona state bar was bringing him up on charges for practicing law without a license! This was the last straw. Last October II contacted Gail Weller in Sacramento at the atty general’s office, she asked us to send her all the paperwork and she might be able to get us our monies refunded. Two months later she wrote to tell us that FDRS was not answering her letters and that the atty general’s office reluctantly had to close our file for lack of response from FDRS.
Christine, first let me thank you for all your hard work in creating this venue for all of us to vent our frustrations and stories and hopefully put something together to recoup some of our money! We have three liens against our home now, have had to hire a new attorney to negotiate payments to the creditors, and there seems to be no end to this nightmare. Has anyone contacted the FBI or the District Atty’s office in Los Angeles? That is the next step for me, would like to know of others experiences if they have pursued that! Any helpful comments would be deeply appreciated! Thanks again!
Well-loved. Like or Dislike:
+16
The minute I was served on a Saturday FDRS stopped answering the phone that Monday. Luckily I found this GOD SEND of a web site and its owner who is worth a weight in gold. Please agree with me by giving a donation, A comforting web site like this costs money, that without , could run out of money and be taken down lets keep it up for US! the FDRS scam victims.
I enrolled 5 credit card accounts with FDRS totaling 20K (of course they wanted more cards) in October 2008 , By October 2009 the collection calls and notices had stopped, to date I was defrauded out of $2,800 being halfway through “the program”.
A year to the date after I joined, I was served a summons and complaint, with a defective service date, taped to the door, about the fact I was being sued by one of the original creditors , (another has also since sued)
So in the last week of September a Thursday, FDRS called about a NSF payment to them from me, I then made good on it, and asked them if they had got my verified debt statements sent to me by the original creditor, FDRS said they had no record of my 100 page certified mailing to them. The first weekend in October or the following Saturday I was served and come that Monday FDRS no longer answers their phone and fax is down.
This is the worse feeling. I had two wait two weeks for the new WEB BASED FDRS to come up with chat only. Lucky for me durring that dreadfull time I located this site. The service rendered is five star and worth every FRN spent.
the FDRS chat answer indicated I was involved with a scam, employees by name indicated that “the lawyers” were only deployed for Fedral or Supreme Court credit card suits
(this all most never occurs and that is what FDRS means when stated that you will not be sued because it rarely happens).
But that if I was being sued in city court I could for $250 a month utilize the self help section of web site with poor Answer and false legal documents as provided by FDRS.
To use, one would be completely inadmissible. During this time period there was NO legal advice by FDRS, so no attorney would be assigned to my case as was promised in the agreement, as well as no credit repair that was also in the agreement. My credit went from bad to irrepairable, I no longer had back up for things like food or rent, etc, I am prevented from replacing my 11 year old car with a later model.
I am trying to hire anattorney for the lawsuit by the creditors. Because of the Breach of contract and lies by FDRS, I was placed under tremendous stress, depression, that resulted in a skin condition due to this Scam. It has been frustrating trying to find a competent attorney to do anything toward any one. They meerly suggest to settle with the creditors. Stay out of court
Well-loved. Like or Dislike:
+18
FDRS Ruined my credit. I had some credit card debt, but it was Manageable. They convinced me that they could help me. They charged me well over $5,000 for supposedly helping me with this.
But they did nothing. They told me not to pay my credit card bills because they were helping.
Because of this I had to pay a creditor who sued me $1,600. My BANKRUPTCY Attorney $2,000. My credit is ruined.
I am on Medication because of the pain and anxiety this has caused me.
Well-loved. Like or Dislike:
+15
Thank you FDRS for ruining me!!!!! I had great credit but just could not get out of debt. So lucky for me I found FDRS. Well after talking with Aundra Spencer I felt like things maybe looking up for me. That was not the case. I went through the 18 month programm did not miss a payment and was never late. I did get all the phone calls, the letters ( which all got faxed to FDRS but they never saw any) along with all the other BS that came with this program. Well Iam currently looking at the option of filing for BANKRUPTCY. Once again thank you FDRS.
I summited 3 cards to them totaling $6600.00 in debt. Mr Spencer told me I would have to pay back $3600.00 to FDRS. Well I did and FDRS decided not to contact or pay off one of the cards or its possable all three. So know Iam being sued.
The three contacts that I had with FDRS was Andre Spencer, Herman Lewis and Kathy Quintos all of which did not one thing for me but give me the run around.
I could go on much longer but I currently am way to PISSED OFF to write any more.
Just another satisfyed FDRS customer (yea right)
Well-loved. Like or Dislike:
+15
Not much to say. I started my contract with FDRS 1/08 and the got me for the total sum of $6300. FDRS ruined my credit and my life. I recenty completed chapter 7 to eliminate the debt FDRS caused me
Well-loved. Like or Dislike:
+11
I’m out about 19k to fdrs, had two lawsuits so far and one judgement against me for 5k+…seems like the contact with their clients is less and less…i felt funny when they made me sign that release of liability form and does everyone realize that the docs we signed helps to release fdrs of any liability b/c they are not legal and only “educational”, my credit problems are immeasurable, i went from spotless credit to several hundred points lower, it’s caused unheard of strain in my family, economics, my outlook on life, unbearable stress, my family didnt eat at times to pay their stinking payment. I hope the CA AG reads this and calls me, so we can get our money back and get these people. Hey, their principle ideas area accurate, why couldnt they be real patriots and stay in there and finish the job……..
Well-loved. Like or Dislike:
+12
When I started way back in December of 2004 the company was known as Carefree Debt, Inc. of 113 West Main St. Suite 228, Alhambra, CA 91801. Suddenly when I call in regarding one of the many harassing calls we would get , collection letters and warrants in debt,etc.it is now known as Federal Debt Relief System. In total I was bilked out of $8,869.16
(3 payments of $295.64 and then 28 paymnets of $285.08) I was just trying to help my husband start a business of his own because he is disabled but he ended up having knee replacement surgery and losing the business and now has Non-Hodgkins Lymphoma and Thyroid Cancer he is battling in addition to the stress we both have over his illness and
all this debt. We are now facing court proceedings brought about by one of the charge card companies on March 19, 2010. I am suffering almost unbearable pain in my stomach now which is making it very hard for me to continue in my job standing up every day cutting meat and cheese usually alone for customers at a local grocery store deli. I almost feel we would both be better off dead than to go through any more of this grief and pain. Is anyone out there listening to those who are suffering from fraudulent practices by comnpanies such as these?
Well-loved. Like or Dislike:
+6
In addition to all of the above reported by me, I have also lost my good credit rating. My husband and I tried to get a loan for a new heat pump as our doublewide is very cold in the winter and we were turned down.
I will not be able to get a loan for a decent car or have a warm, comfortable place to live. That is all.
God help us all, we are going to need it.
Well-loved. Like or Dislike:
+12
I started this program back in dec. of 2007 I had submited 4 accounts with fdrs. I was paying 175.00 a month. They said they would restore my credit, now its worst then ever. Then in August of 2008 one of the creditors started garnishing my paycheck. I was furious. I kept calling fdrs to make them stop. They sent me to court I can’t remember how many times. Nothing was accomplished. I was about to go bankrupt from the advise of a lady named Gina from fdrs. She had told me that was my last chance. After a while when I didn’t hear from her, I started calling and found that recording on the phone. Which told me to go on line and chat with someone but that someone never existed. Have been trying to contact them for months. To this day that same creditor is still garnishing my pay check. I’ve been very upset about this, cause it leaves me less money to pay my rent and buy food for my kids. Also my husband has left me and I’m working two jobs now to pay my bills. I’ve had major headaches everyday from this situation. I have already paid fdrs $2000.00 plus what they are garnishing still.
Then in Feb of 2008 my mother started her program with fdrs. and has paid them $3,625.00. for one creditor. She has finished her payment but now they are sending her letters after letters trying to get their money. My mother is 77 years old and can not take the stress anymore. She doesn’t have a e-mail or computer so that is why I’m writing on her behalf.
Well-loved. Like or Dislike:
+11
Defrauded out of $17,000.
I enrolled 7 credit accounts with FDRS in Oct. 2008 by Chris Handick who is now suing FDRS.
I was told by Chris Handick (my contact person at FDRS) that the total cost to me would be about 33% of what I owed the creditors. The program was for 18 months, and each month my checking accounts would be debited by FDRS, the first two months being larger amounts than the subsequent fourteen months. I ended up paying them over $17,000.00 for a total of seven accounts.
During this time period I was given bad legal advice by FDRS, they would not let me speak to the attorney that was promised in the agreement, as well as lying about the credit repair that was also in the agreement.
I started receiving threatening letters and phone calls from the creditors, and when I would call Chris Handick he was no longer with them and Veronica Rangel was handling my account, she reassure me that all was well, just hang in there a little longer. During this time she did not get back with me concerning court paper so Gina Adam step in to help plus Belinda Martinez, that did not work either. Now I have a judgment on my record now and when applying for a job or car and home owners insurance they take this into account. So for serval months I need not have insurance.
I was served notices to be sued by one of the creditors then two and the other followed suite. Now I’m trying to setup a payment plan with my creditors to keep them from taken by car or garnishing my pay check. I’ve had major headaches everyday from this situation. I have also lost my good credit rating. I tried to get a loan to refinance my home and by credit is so bad they would not refinance. it’s caused unheard of strain in my family, economics, my outlook on life, unbearable stressed.
FDRS ruined my credit and my life.
The funny thing happen the other day I received and email from other people that have be or still are in this program with FDRS the email trail of people saying …have I or we have been scammed. One person emailed some good thing about FDRS Tom Farrell [tsfarrell@carolina.rr.com] come to find out he is working for FDRS now. I removed his name from the email list below.
[I deleted the email addresses not only to protect from spam, but especially from SCAMMERS who are pretending to want to "help" the victims. Please inform the other FDRS victims that they should submit their damage reports HERE so that I can submit my demand for investigation and restitution to the Cal. AG. Thanks! -- Christine]
Well-loved. Like or Dislike:
+9
Things were not going to good back in the beginning of 2008 and I started searching the internet for a company that would consolidate my debt. I came upon FDRS and when I called them they convinced me to enroll into there program. They stated how they would eliminate all my debt in 16 month and only owe 1/3 of what I owed. Being desperate I sighned up with them. I ended the program after 16 months after paying over $12,000. I still owe the creditors and they are suing me. FDRS never forfilled there promise and left me high and dry. They never supplied a Lawyer like they said they would. My credit is trash and I’m being forced to file bankrupcy. My marriage has been strained and only hope we will not devorce from this. Depression is running very high which I never had before this. When ever I called FDRS they only told me things are moving according to the schedule. I am so depressed about this It’s a task just to supply my Lawyer with the infomation needed for the Bankrupsy case. I am at wits end and if I can’t get help from the CA AG I don’t know what I’m going to do. How can this be allowed to happen to the citizens of the US?
HELP ME PLEASE
Well-loved. Like or Dislike:
+10
FDRS GOT CLOSE TO 9K.
Enrolled in Dec 07, ist payment 1/08, I stopped paying on my 16 payment, informed FDRS, THEN it was herman miller, he informed me I entered in a contract, and could be sued.
I did regarded his obsurd comment. this was approximately 2pm , I immediately went to my bank to stop payment on the next payment, which was not suppose to be taken for another 6 business days. **those unethical FDRS people, tried to pull my next payment out 5 days early…., the very next morning, they did not succeed.
AUNDRE SPENCER was my intake rep, then came HERMAN MILLER, i was served by one of my 11 creditors, DISCOVER, FOR 3 DAYS, i kept trying to reach someone at FDRS. no calls returned, no one wanted to talk to me.
The folks at CCDN were not any help.
on day 4, i contacted a bankrupcy attorney, filed chapter 7. a very stressful , anxiety producing event being served. FDRS, MANIPULATED, LIED, DISTORTED INFORMATION, MAKING FALSE PROMISES to all of us that signed on with them. They must be, and will be PROSECUTED. The attorney general has always been a ‘highly respected position”. i know, if enough people post, this will happen.
Yes, my credit was ruined. it was not an option to work out a payment plan. If you post, please make a donation to the website. I’m going to on 2/20/09, when I received my federal tax return. .
Well-loved. Like or Dislike:
+9
FDRS scammed me for $8040.00. Filed a complaint with the FTC, Florida AG and California AG. The Californa AG replied back to me, and said that they had submitted a letter to FDRS on my behalf, stating my complaint, and requested them to resolve my dispute – a refund for $8040.00. Not a peep from FDRS.
Well-loved. Like or Dislike:
+6
MY story is, unfortunately, no different than the other victims. I also went with FDRS because I was tired of the outrageous, debts started to pile and I was informed about the FDRS program and went through with it. I paid them over $4K for two accts back in May of 2007. They made me the same promise, the other victims were made…my debt will be eliminated in 18 mos to 2yrs and, of course, 3yrs later I am being served with summons and my credit has been shot to nothing. I can’t refinance my home, get loans for my daughter to go to college or be a co-signer for her. Stress is a great part of everyday life when you are served with summons and threats from the creditors you were promised to be saved from. FDRS has smoothly disappeared from sight, not that they were much help when they were in sight. They were not good at returning phone calls or getting back to me. I had so many different people handling my case, that I couldn’t keep track from one phone call to the next. Obviously, none were helpful!
Well-loved. Like or Dislike:
+5
I enrolled in FDRS several years ago and paid them over $5000.00 qaqnd was told that my credit would be restored. After paying them for a year I was served a papers on collection for an account that was to be paid. When I was preparing for court I called and they hooked me up with CCDN who were suppose to be attorneys and were telling me what to do. I was told to pay 150.00 monthly on a judgment.
I called and complained and was refunded back the money that I paid on the account for almost a year. Then I had to go back to court several times more and am still not finished. I was in court last month and will go again to agree on payment.
Since that time I have received a letter from another attorney’s office on another account that FDRS was to take care of. I have asked for proof of indebtedness and payment history. they are now seeking that which I don’t think they can get since my account has been sold so many times. I thought that when I signed up with FDRS i was doing a good thing but now my credit is shot and i haven’t been able to buy things needed for my family.
These people need to be stopped taking money from people who are struggling to make things right.
Like or Dislike:
+2
I enrolled in FDRS 2 years ago and paid over 5000.00 and was told my credit would be restored. While i was paying I heard nothing form my creditors and now that they have my money my creditors are hounding me. Those form they tell you to submit does not work. This company took me for a ride. I have 2 court dates coming up and dont have the money to pay or the time to attend. This is really stressing me out. My credit is ruined and I am trying to make ends meet. These people be sued and the people who have used they bogus company she be refunded they money and paid for the damage they caused.
Like or Dislike:
+1
I enrolled with FDRS in May of 07, they too have ruined my credit. CA-AG office is looking for more complaints. If YOU have not filed a Complaint the the CA-AG office, please do so as this will help all involved. They said they would do an investigation unless more people file. So, if you have not filed, please do so. It’s very simple and painless. I have paid FDRS over 14,335.
Like or Dislike:
+1