FRS misleads their customers into believing they are working with your creditors to settle. During this time your late fees with your creditors are adding up, because they are no longer receiving monthly payments, and your creditors have no intentions on settling only sueing you.
FRS charges huge fees for their services, and it cost you more when your creditors begin suing you. Most of the time it is hard to contact someone to speak with at FRS, or receive a call back once your in the program. You end up even deeper in financial problems, and the only way out is your last resort "Bankruptcy".
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