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I am getting really scared that I am being scammed

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Posts: 29
Credits: 1271.45
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Help. I've been in a program with Federal debt relief System since February. I'm getting really scared that I'm being scammed. I don't know what to do. I need some advice.




debtstinker
Posts: 288
Credits: 3084.1

Sub: #1 Hi, why do you feel you're being scammed? First piece is to cont
Tue, 11/13/2007 - 09:57

Hi, why do you feel you're being scammed? First piece is to contact a debt professional from this site which is a perk for the members. it's a free 800 phone number and a professional will contact you. Secondly, I looked this up on the BBB website and it looks like Federal is not accredited with the better business bureau. If you go to the BBB site you can file a complaint...without more information it's hard to give advice...I'm interested to know the reasons you think you're being scammed, let us know




debtstinker
Posts: 288
Credits: 3084.1

Sub: #2 Also, please let me add that you have the option of typing their
Tue, 11/13/2007 - 09:59

Also, please let me add that you have the option of typing their name in the search bar at the top. I did that and you will get good results seeing others who have dealt with them. Read the first thread and you'll see what I mean. Because Federal is not a member of the BBB, they could very well be scamming you. see what you find




chereennb
Posts: 29
Credits: 1271.45

Sub: #3 I'm worrying that I'm being scammed because they claim to elimin
Tue, 11/13/2007 - 10:38

I'm worrying that I'm being scammed because they claim to eliminate your debt because the creditors have broken the law by altering documents: the credit agreement you sign, they claim is then turned into a promissory note after-the-fact. They say they write correspondences requesting the documents that validate the debt, but that they don't exist so they can't supply them and that the accounts get sold off and basically the process continues until it eventually gets settled out of court. I'm worried because I, personally, haven't seen the letters that are being sent out, if any. and they've sent me 4 "educational" dvds and i'm starting to wonder if that's the scam -the dvds that is... ya know, if the program doesn't work i'm scared that they're going to claim that the service i'm actually paying for is the educational material. i don't know... what do you think?




debtstinker
Posts: 288
Credits: 3084.1

Sub: #4 Wow, cheereen...on face I think you have a right to be concerned
Tue, 11/13/2007 - 13:51

Wow, cheereen...on face I think you have a right to be concerned. I would be leery as well. I have to be honest I'm not sure at this point what to do but I know someone will be along to help you out for my post now will bump your thread up to the top. in the mean time i'm going to try to dig some information up for you ok? thank you for the response it helps to have an understanding of what's happening to you




Ang
Posts: 2325
Credits: 21572.9

Sub: #5 What is the name of this company Cher?? U may be able to find o
Tue, 11/13/2007 - 13:54

What is the name of this company Cher??
U may be able to find out more about them with a name!
Ang




Unregistered

Sub: #6 have you called and talked to them directly about your worries?
Tue, 11/13/2007 - 13:56

have you called and talked to them directly about your worries? that might be a good starting point.




Unregistered

Sub: #7 According to the BBB report, they are located in Hollywood Ca. a
Tue, 11/13/2007 - 16:00

According to the BBB report, they are located in Hollywood Ca. and already have 7 complaints against them since only August of 2007. This is a major issue since they are a small time company and already have this many complaints. I know of terrible companies with 10 or 12 complaints in 5 years. 7 in 3 months is a rather difficult task. They are trying really hard to screw up instead of work on your behalf.




debtstinker
Posts: 288
Credits: 3084.1

Sub: #8 Guest thanks for looking that up...now what can Cher do? go to h
Tue, 11/13/2007 - 17:01

Guest thanks for looking that up...now what can Cher do? go to her AG? file a complaint with the BBB? I would think she can do both of those things but in the mean time these guys have her information already, i'm guessing her banking information as she said she's been with them since Feb. of this year.




Unregistered

Sub: #9 what is the complaint exactly that the AG could do something abo
Tue, 11/13/2007 - 19:03

what is the complaint exactly that the AG could do something about? have you complained directly to the company yet or asked them what should be going on?




chereennb
Posts: 29
Credits: 1271.45

Sub: #10 hey guys thanks for getting back to me... i've been out of town
Wed, 11/14/2007 - 15:54

hey guys thanks for getting back to me... i've been out of town today so i'm just now reading your replies. i saw the BBB complaints yesterday after i posted. i've tried to get back in contact with federal debt relief system (FDRS) i was going to request a copy of all the letters they sent out and tell them i wish to end my involvement with them and request a full refund. i'm not sure what my next steps should be after that -i was thinking i should contact the ftc as well as get a lawyer (Definitely file a complaint with the BBB)... do you think these are the right steps to take? any suggestions would be greatly appreciated.




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