Freedom Financial Management FRAUD... THEFT... BEWARE.. Santa Ana, California

Peoople like the one who commented on my original report rub me the wrong way, because as they stated, they may not work for this company that I filed the report about, but they do work for a similar scam company!

For further clarification, the contract that my husband and I signed, stated NOTHING about fees up front.. It actually stated that the fees would be taken out as accounts were settled! NO WHERE in the contract did it state that ANY of our money would be used to pay fees prior to an account being settled.

Before you go shooting off your mouth about something you don't know about and being rude and obnoxious, why not look into the companies BBB profile and see what they have done to hundreds of people.

As for your ignorant comments about us putting ourselves in debt, yes, we were in debt, thats why we hired a debt consolidation company Duh... BUT Freedom Financial by breaking their contract put us even further in debt by lying that they would be able to get all the late fees and over the limit fees taken off, and instead pocketed our money from the start and did NOTHING to save us money, only cost us more since 14 months of late fees and OTL fees where still being charged after they said they wouldn't.

As for your comments about getting access to our "Savings Account", which was with Global.. You are FULL OF IT!!! We NEVER were given a PIN or even a phone number for the company that was actually holding our money!

So before you go running your mouth off about a CONTRACT you've never seen, how things work, and how weknew exactly what we got ourselves into(Since You Are In The Business Of Scaming People Too Obviously) maybe you should learn to NOT be so self rightous and maybe ask some question before you jump to conclusions!!!

And finally, just for your information... I was not looking for a quick fix, or some magic spell to make all my debt just go away... I THOUGHT I was working with a legitimate debt consolidation company that was going to help me get out of debt, not further into it.

So next time you want to put in your two cents, why not ask some questions first instead of jumping to your own conclusions. Your post was rather rude, obnoxious and ignorant.

Hope you have Happy New Year Too, and try not to rip to many more people off since Karma can be a real B**ch! And it will come back to bite you in the end!

I have been in debt settlement for years in every possible position, sales, CSR, team lead, compliance , contracts. you name it.

I read your report and I must say that you were NOT blind to what was going on or what YOU and your husband signed. You can't possibly say that you were paying $218 a month to the company and did not know what was going into the fees . YOU are given a contract to review and SIGN both you and your husband and in that contract it would have indicated the fee schedule and YOU and your husband were aware of it.

You can't sit there and tell me or anyone that magically you realized $109 was then going into your trust account?~ really? The first three months YOUR not going to have even enough to settle any of your account to any creditors think about it.. 3 months x $218 equals $654, so if you have a card that's 10, 000 and they say they can settle for 40 or 50% what would you need then? right??

Regarding the settlement of the debts as you indicated which had to have approval by you and your husband you must have READ in their somewhere about the FEES:?? right? it's funny that people only hear what they want to hear and see what they want to see. The reason for your approval is to have you sign off on the debt you have every right to say NO, which set's you up for lawsuits.

When your accounts are settled or paid to the creditor the CREDITOR is the one who reports the status NOT the settlement company. They can put whatever information they want.

YOUR negative on your credit report started when you and your husband got behind and could not pay, NOT the fact that the company settled the debt and then you had derogitory information listed on you.

YOu also would have had access to your account to see how much money was in your account.. the debt companies use Global client solutions or Noteworld and each client is given a password to their account.. And you would have initially been asked for the debit for your account each month.. this information WAS given by you and set up by you .. by YOUR signature..

So if I understand correctly you have a major debt that is owed you probably were in the program for lets say 36 or 48 months and after 14 months of time spent on your file, phone calls and negotiations you decide that you want all your money back because it's not going the way you want it to? Correct?

They wanted you to stay the course and stay your goal but you refused to help yourself. now your going to be in the same boat but in worse shape.

You are only allowed the money that is saved for your negotiations back to you ..

the debt settlement companies DON'T work for FREE~ I'm sure when you get your lawn mowed or get gas you pay.. it's like any other service.. you had a contract, you signed for the withdrawls, you had a fee schedule .

It's great that they settled another account for you right? Oh they had to have your permission I forgot.. :) either way you got another one settled and you did sign a power of attorney that would enable the transaction and coorespondence of settlement. correct? but now your pissed off that you did not stay your course, you think everyone is scamming you but you neglect to realize

you did this to yourself, your credit did a good job of getting you in debt and now you want some magic pill or magic bullet to get you out.. it's funny to me that clients and consumers are so quick to point the finger at others for their own shortcomings.. face it YOU have debt your in deep and needed help.. NO one scammed you . you had a contract you knew where the money was going and the rep advised you how long and how much..

deal with it.. debt sucks.

Happy new year and I hope you figure out your finances and get yourself a plan

because you have overspent and now can't pay.

good luck.

and NO I don't work for this company. I am a consultant to debt companies and all to often I hear clients like you giving the companies a bad name when they are ignorant and cry wolf.