I called FFA to help me consolidate my debt. They seem very helpful and have tons of testimonials. They don't tell you how much they are charging you to use their help, which is ten percent of what you owe.
They don't tell you that they will be paid off entirely before any money starts going towards your debt.
They will tell you to simply not answer your phone when creditors call. Very helpful, right?
They simply take thousands from you, wait until you have paid thousands into an account, and then call the collection agency that you have been sent to. They don't call your credit card company, they don't stop the phone calls, they don't have some special power of negotiation. They simply charge you a fortune to keep your money and make a phone call that you could easily make when you have saved enough to settle.
Crooks.
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