FDRS is a SCAM! I was with them for two years trying to complete their 18 month program. All I got was encouraging words and verbal support from Veronica, Kevin, Eddy and numerous other employees who promised to do and do but never did. I routinely faxed them all creditor correspondences but somehow they were always asking me to send it to them again. In the process, they took 18,000 dollars out of my bank account - 1,100 dollars at a time. At first, FDRS had me work with their legal team (CCDN) who did nothing but send me generic forms for me to fill out and submit to my local court house when creditors sued me. Of course, he forgot to tell me that each time I filed paperwork with the courts - I would have to pay 200 or more dollars. I lost all cases and got judgments; my wages were garnished and my bank accounts were cleared by the creditors. CCDN and FDRS insisted that I would get all of my money back pending a "Federal Law suit" they were "working on." Of Course this never happened. After numerous calls to CCDN - one of their people from the "legal team" (Tracy) told us to settle with one of the creditors at the rate of $750 a month and of course I was to continue paying FDRS as well. After a year of this, I couldn't do it any longer and I called Tracy from CCDN. He was finally kind enough to tell me to get out of the program and to file bankruptcy. He encouraged me to google - Mark Cella so that I could see who I was working with. He also called Mark Cella a "crook." I was with them for 2 years and I am finally getting relief from bankruptcy. However, I am not done with them. I need to find a way to get them to return my money but most importantly, to get the right officials to stop them and put them behind bars. I believe that there are many many people out there who have been hurt by them. There has to be a way to unite and conquer. I have have a very thick file with all correspondences from them - internet and US mail that I will produce.
Who knows from minnesota