Report: #523790

Complaint Review: Lifeguard Financial - Fort Lauderdale Florida

  • Submitted:
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  • Reported By: Chetan — CLIFTON New Jersey United States of America
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  • Lifeguard Financial 4 West Las Olas Blvd. suite 302 Fort Lauderdale, Florida United States of America

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My complain is regarding Lifeguard Financial (they are now called FBL Associates) I called Lifeguard Financial (FBL Associates) on 10/23/2009 at 11:29 a.m. and cancelled the Debt Settlement Program with them because I have managed to do the settlement myself. I was told by the customer service personal that I will be contacted by the cancellation department within 10 days but haven't received any call back from Lifeguard yet. I called again on 11/12/09 and spoke to person name Ralph in the cancellation department asking for refund back and he purely denied me to give any money back and said this money is for fees for 4 years service, after arguing so much with Ralph he finally said he will refund me $1278 back but not the full refund. I and my family is going thru very difficult time where my wife is working less hours than before and we are 6 months behind on the mortgage payments so I said give me $1278 but they cant just keep $3701 money for the service they never provided. I am still getting calls from creditors; creditors didnt receive any letter from Lifeguard Financial about the program I joined, according to the agreement Lifeguard will open-up an account in my name with NOTEWORLD and deposit the money in that account but that didnt happened. I called Note world and there is no account open-up by Lifeguard in my name. This means that Lifeguard intention is to collect the 4 years fees from client first before doing anything for client. Please help me and my family to get the refund back from Lifeguard we also have 2 kids and we need money.

This report was posted on Ripoff Report on 11/14/2009 09:11 PM and is a permanent record located here: https://www.ripoffreport.com/reports/lifeguard-financial/fort-lauderdale-florida-33301/lifeguard-financial-fbl-associates-refused-to-give-refund-back-4979-fort-lauderdale-fl-523790. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#4 Consumer Suggestion


AUTHOR: scamscamscam - (United States of America)

POSTED: Friday, October 08, 2010

Hello , I am so sorry to hear about your unfortunate circumstances  involving a fraudulent debt settlement company.  Most companies that do debt settlements are most likely un-licensed and do not have attorneys that work for them.  I work with the(((Redacted))) board and we are a not for profit company that helps consumers that have been a victim of a debt settlement scam or have been stolen from.  Most of these companies take their fees up front plus a percentage which is usually %25-%50 of your total debt. In most cases these companies dont settle anything until the 3rd and 4th year of being with them in the meantime you liable for lawsuits from your creditors and destroying your credit in the process.  A lot of the time these companies do not advise clients that the difference between what you settle for and what is owed will be taxed back to you by the IRS the following calendar year treated as gained income.  If you or anybody you may know seems to be a victim  of one of these fraudulent debt settlement companies give me a call and I will get you all the information you need to get 100% of all fees paid to the debt settlement company and eliminate your debt using Federal and State Consumer protection Statutes.


Justin A


sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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#3 Consumer Comment

FBL ripped you off? Think about it....

AUTHOR: Mark - (United States of America)

POSTED: Tuesday, March 02, 2010

Dear Sir, I am sorry to hear about your financial hardship.  Genuinely.  However, I used to work in the debt industry and I am rather sure you signed at least 10 pgs of disclosures advising you of the fee being earned to settle this matter for you and that it was a process that would last several months.  Furthermore, most consumers who enroll in a debt settlement program are made aware in their disclosures that they sign several times that your credit will be negatively impacted and that you would likely be contacted by harrassing creditors.  Its besides the point but you had a debt problem, not a credit problem.  Finally, most consumers who enroll in a debt settlement program are also afforded an opportunity to improve their monthly cash flowe because rather than paying $1000 to creditors, you end up paying $400-$1000 (up to you) or so towards your settlement funds monthly.  So, what happened with that money?  My point is that I do feel for your situation but it seems they did nothing but HELP you save money on a monthly basis AND in the long term as well.

If you decided, after reading and signing disclosures, to negotiate on your own behalf why is it the responsibility of a company to provide you a refund desite the fact that you THINK nothing was done.  When you singed up with them you hated your creditors and they were all liars and they were the most evil people on Earth for taking your money each month.  NOW, asll of a sudded when they place collections calls to you and tell you that your representation hasn't done anything inside a six month timeframe you place ALL your trust in them and they are as honest as the Pope?  C'mon now.  Just as you deserve to get paid for services you render or work that you do, so does everyone else.

I do not work for FBL or Lifeguard but I am familiar with them as well as the debt industry.

Best of luck to you!

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#2 UPDATE EX-employee responds

Lifeguard is National Debt Relief Group in Brooklyn!!

AUTHOR: BeAlert - (USA)

POSTED: Wednesday, December 09, 2009

Lifeguard Financial is NOT FBL Associates. They might be working with them, or been hired by them, but FBL is not Lifeguard. National Debt Relief Group is the direct descendant of Lifeguard Financial. They are still calling "in direct correspondence with Experian",while trying to help those whom the "creditors" feel have financial hardship. They are still ripping people off, albeit under a different name. 

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#1 UPDATE Employee


AUTHOR: Ralph - (United States of America)

POSTED: Monday, November 23, 2009

We were shocked and surprised regarding Mr. Mistry's complaint posted on Saturday the 14th.  At FBL Associates, we more than anyone else are sensitive to financial hardship.  Mr. Mistry sais he negotiated his own accounts and wanted all his money back on the contract he signed 6 months earlier.  If he would have informed us that his wife was working less hours and that he was 6 months behind on his mortgage, I am confident that I could have gone to my supervisors and waived more of our fees.  Mr. Mistry was upset because settlements didn't happen in 6 months.  Good settlements usually happen at the 8 month mark.

Mr. Mistry says he settled on his own, which we believe, but we doubt these were good deals.  If you go to our website at www.fblassociates.com and look under success stories, we have posted settlements for the last 4 months.  The average settlement is .38 cents on the dollar, but there are many that we have settled in the range of .24 cents on the dollar.

 We have tried to call Mr. Mistry to work with him on waiving more of our fees, however, we can only be hung up on so many times.  We understand this is a difficult time, but we sincerely believe that Mr. Mistry's complaint could have been resolved.

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