Approved!!!!!!!!!!!!!!!!!!! Wow!!!!!! Amazing!!!!! $3,500 limit!!!! O percent APR for the first 12 months. 20 percent APR after that. Should receive my card in th next 7-10 business days.

I did not get an instant approval online. So I called an application status phone number I found on the Internet. I was able to talk to an analyst immediately. She grilled me with questions. First she asked about my employment history and my income. I have been working with the same company since college with a decent income so I don’t mind those questions. I think she may have looked it up on the Internet or something because she asked me which office location I worked in. I wish the questions had stopped there.

Then she asked about my wells Fargo and chase accounts and why they were seriously past due. I told her I was previously involved in a credit consolidation program and I was told that the accounts would be removed from my account when the program was finished. I told her that I had completed the program in 2009 and that I did not know why those accounts were still showing up on my credit report. I told her I learned from my experiance with credit consolidation companies and I now believe they are an unscrupulous industry and I will never use them again.

She asked me to hold for a moment. At this point I thought I was going to be denied because of my delinquent accounts. Then she came back on the phone and said I was approved for a 3500 dollar credit limit as long as they could verify my address. The PMB address worked. I did not tell them it was a PMB but then again they did not ask if I lived there. I guess they just assumed it was my home address. Then they wanted me to verify my previous address. The only address they had on file was an address I had not lived at since 2008. Then he asked me to verify the side streets. Luckily I was able to think of a few on short notice but that was a long time ago.

Thank you sooooooo much Christine. I seriously can’t believe it! The light at of the end of the tunnel keeps getting brighter and brighter thanks to you. With all the credit scams and never ending unscrupulous credit industries out there it is refreshing to know that there is someone who is actually there to help.

People with good credit have no idea about all of the scams out there. I learned the hard way by first getting conned by FDRS then getting scammed by credit repair companies.

Then getting turned down for secured cards. I could not even get a card secured by my own money. I was willing to give 1000 dollars of my own money just to open a tradeline where I would pay interest on my own money and all I got was hard inquiries with a denial letter.

Then getting complaints filed against me by corrupt lawyers. Then not being able to find a lawyer to represent me. Then finally finding your website and finally working my way out of this crit mess. Now approved for a premium credit card!!!!!!!!!!!!!!!!!! Woooooohooooooo!!!!!!!!!

It is so inspiring to see posts like this one.  Of course it doesn’t always work out so well and sometimes I wonder why I even bother.  Many of the people who get scammed by unscrupulous debt settlement companies (there are MANY!) are too stressed, have medical problems, are unemployed, etc. and/or don’t have the SKILLS and RESOURCES to send out factual disputes. I’ve worked with people who didn’t have a printer and many are on prescription meds impairing their ability to comprehend and follow through with tasks such as sending disputes.  I sure wish I could help everybody, but then there is reality.

Obviously the long term employment helped a lot with the BofA application.  And not EVERYBODY should get new credit cards and run up new debt.  Some people can handle credit cards, others just charge stuff they don’t need and can’t afford OR charge food, gasoline or medical bills because they don’t have the cash.   What are people supposed to do if unemployment benefits barely pay the rent or mortgage?

It sure is great to see that occasionally the system works as it should and in the end all is well.

Last year he signed up because Palisades (infamous debt buyer) had sued him after he had wasted thousands of dollars on FDRS.  He had received notice of the lawsuit from their attorney, advising that he would be served unless he settled the account.  I drafted a FACTUAL dispute for him, advising that his debts had been enrolled in the FDRS debt elimination program, and he sent it to the attorney and to Palisades.

To our surprise, Palisades immediately DELETED the account from his credit reports.  And he has yet to hear from the attorney again and he was NOT served.

One of his credit reports is now looking very good and he got preapprovals for PRIME credit cards instead of the crappy 1st Premier or other subprime credit cards.

This just goes to show that it pays to submit your factual disputes EARLY on.  If you wait until litigation is in progress, chances of success are much lower because the attorney already spent time on the case and wants to recover his “investment.”

NEVER ignore collection notices from attorneys.

While there is no guarantee that they will back off, isn’t it worth a few dollars to try to avoid a judgment and/or being forced into bankruptcy?

YOU decide.

PS:  Debt buyers RARELY have admissible evidence to substantiate their claims in court, but it’s a lot harder to write motions for the court and to conduct discovery than to send a simple dispute directly to the debt buyer and their attorney and AVOID the hassle and possibly expense for an attorney.

http://www.fdrs123.com/

All the links go to http://www.fdrs123.com/?contact_us

What’s up with this?  Has anyone submitted their info?  What happened?

Update:  Apparently that’s just an OLD website.

Does anybody here would like to meet and catch JOEL R. EDWARDS and KAREN? They’re both are Mark Cella’s right hand especially Joel who is also smoking crack while he’s working and truly knows where Mark is hiding. You can find them both working as of today Feb 2011 at 3345 Wilshire Blvd suite 907 Los Angeles, CA 90010. Working for Shaun Melville who knew about the case but didn’t care anyway to report them to authorities because he is a scammer himself who own a satelite office working for Casablanca Express and let his employee told their previous clients it’s a FREE TRIP to Vegas but they actually had to pay. Karen has a dark short hair and Joel brought her to work there . Please catch them FAST!!!

I don’t quite understand what this is about.  What is Casablanca Express?

Maybe somebody could submit more info.  And to “catch” them, someone first needs to file a report with the authorities for illegal activities.

http://www.mark-cella.com/

The reader who sent me the link wrote that it definitely is “our” Mark Cella and I now confirmed it.

From http://www.mark-cella.com/women.html

… All of the magazines agree he is the most handsome man alive. This was proven recently when every publication wanted to feature him on their cover for being the most handsome, the greatest musician, the greatest man and so on. This was both very flattering and very upsetting to Mark Cella all at once. …

The most handsome man alive?

The ONLY picture of Mark Cella at the site:

The picture from his video:

Mark Cella – the most handsome man alive?

Mark Cella Picture Perfect

Mark Cella is the most handsome man alive which is why he has been sought after by the best photographers in the world. They want to use his image in order to show the beauty of mankind. …

Truly incredible!

Former FDRS employees wrote about his obsession with women, parties, drugs, plastic surgery, etc.

http://www.mark-cella.com confirms that he is a nutcase – yet smart enough to scam people out of millions of dollars without getting caught.

Here’s the attached complaint form to be completed and returned:USPIS-form

I realize that few people will want to complete a 3-page form.  They DELIBERATELY make it as difficult as possible to submit the complaint,  but I hope at least a few of the people who posted their complaints here will do so.

Why isn’t AG Brown investigating  FDRS?

He doesn’t see anything wrong with FDRS stealing millions?

The post office sometimes goes after people for MAIL fraud.  I think WIRE fraud is a lot more appropriate, but whatever …

They SHOULD have arrested Mark Cella a long time ago and the longer they wait, the less likely it is that any part of the loot will be recovered.

And of course many victims are being sued by creditors like Citi Bank who couldn’t possibly care less that FDRS and OTHERS defrauded the consumers.

Thugs like Mark Cella are making MILLIONS right now, advertising the made up “credit relief act” and other fictitious government programs.  They are defrauding people out of what little money they have every day and with impunity. Expect nothing from regulators and prepare to fend for yourself.

I just hope that MANY people file for bankruptcy and never forget that elected officials like Jerry Brown are as vile as any criminal and allow this fraud to continue.

Jerry Brown is as corrupt as any politician.

California has GREATLY contributed to the credit crisis by KNOWINGLY allowing brokers to advertise mortgages with completely false rates and terms and my complaints in 2004/2005 were IGNORED because California WANTED its people to be defrauded.

That was before Jerry Brown became attorney general.  Unfortunately, he is just as corrupt as the rest of them and he REFUSES to prosecute the criminals who defraud the PEOPLE.

Occasionally they widely publicize some token investigation, but  criminals can defraud the PEOPLE with impunity and the very worst that can happen to them is to have to pay a fine.

Compare that to life in prison for stealing food from a corporation.

My demand for investigation and Jerry Brown’s insulting response at http://liarsandcheats.info/fdrs-mark-cella-debt-elimination-fraud/about-fdrs/7-28-10-my-demand-for-investigation-to-california-ag-jerry-brown/

Do NOT vote for Jerry Brown!

It’s up to YOU to finally take action and MAKE things happen!

I investigated FDRS, I documented their fraud,  I published my warnings since 1/08 and I forced FDRS out of business — now it’s YOUR turn!

Please post YOUR submission with the link to the article at

Do NOT vote for corrupt Cal. AG Jerry Brown

If you are NOT willing to spend a few hours every week to get the word out about the California corruption, you will CONTINUE to get what you deserve.

I did NOT fall for the FDRS scam and I did not get paid by anyone to investigate their fraud.  We recently received several donations for research of mortgage modifications and obviously I will focus on activities readers APPRECIATE.

Date: Fri, 6 Aug 2010 17:00:02 -0700 (PDT)
From: receivedpiuauto@doj.ca.gov
To: christine@liarsandcheats.info
Subject: Reply from CA Attorney General’s Office ; PIU #363697

Dear Ms. Christine Baker:

***DO NOT REPLY TO THIS E-MAIL*** ***Reply messages will be returned as undeliverable*** If you wish to submit additional information, please use our e-mail webform, available at: http://ag.ca.gov/consumers/general.htm

Thank you for bringing your consumer information to the attention of Attorney General Edmund G. Brown Jr. Often it is only through letters from concerned and responsible citizens that our office becomes aware of consumer problems.

Complaints are used to develop information about patterns of business activity which might indicate the need for formal investigation or law enforcement action by our office. Complaints often bring early warning of what promises to be a pervasive scam or systematic violation of California law. If a pattern is discovered, what originated as a private dispute may become a matter of broad public interest and thus warrant intervention by our office under California consumer protection laws.

We do want to inform you, however, that our office is prohibited by law from representing individual citizens in legal matters. We do, within the limits of our resources, bring lawsuits for violations of California law in cases of statewide significance. However, our role in any legal action against a company is on behalf of all of the people of California.

Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers.

Sincerely,

J. Salazar
Public Inquiry Unit

For EDMUND G. BROWN JR.
Attorney General

I hope that everybody realizes now how extremely corrupt the government is.

The California AG operates EXACTLY like the FTC: everything goes to the round file.  Occasionally they pick a “sexy” case and they actually prosecute some company, but they never put the crooks in jail and always settle for a few bucks.   Token investigations.

“Please be assured that your information will be retained in our consumer files and is of importance in helping this office take appropriate action to protect consumers.”

Why aren’t they at least honest and just tell us to get lost?

I can only hope that MANY do what I’m doing and STOP supporting this corrupt system.

People should vote with their money and stop paying the national banks, STOP buying crap nobody needs, LEGALLY stop paying tax and instead go back to basics.

And of course I hope you will widely publicize Jerry Brown’s corruption — NOT because Meg Whitman will be a better governor, but because BOTH will sell you down the river.

Your only choice is to either support the system or leave it.

8/4/10: Letter to AG Brown regarding number of complaints received

I really want to know how many people a California criminal can defraud before Jerry Brown starts an investigation.

People get arrested and jailed for stealing food from corporations while criminals like Mark Cella defraud HUMAN BEINGS  with impunity.

7/19/10: The latest Cal. AG REFUSAL to investigate!

As always, the California attorney general refused to investigate.

7/28/10: My DEMAND for investigation to California AG Jerry Brown

If I’m not CONVINCED that they are sincerely investigating by 8/6/10, I can only hope that I won’t be the only one to make this fraud and Jerry Brown’s refusal to prosecute KNOWN criminals a CAMPAIGN issue.

Of course I don’t expect Jerry Brown to contact me and expect to post many links to this blog at California news and political sites.

FDRS is SMALL POTATOES compared to the fraud that’s going on right now.

MILLIONS are targeted by scum like Mark Cella.

They actually create fake NEWS sites with articles about FEDERAL LEGISLATION requiring lenders to forgive debt.  There is no Credit Card Relief Act and there is NO government program to help people with unsecured debt — aside from the BANKRUPTCY legislation.

My goal is not just to put Mark Cella in jail, but to fundamentally change how crime against the PEOPLE is ignored by the government and law enforcement while crime against CORPORATIONS  comes with life sentences.

You’ve all heard about the three strikes law and people getting life in prison for stealing FOOD.  And I’m sure you’ve all seen the police arrest shoplifters at your favorite supermarkets and boxmarts.

I hope you all agree that we need fundamental changes and the upcoming elections give you the opportunity to make a difference. Your vote is rather insignificant compared to your VOICE on the internet.