Every great athlete has an edge. Expert Settlement Professional (ESP) has developed a revolutionary software technology which is designed to give you an edge. The beauty of this product is that the software acts as an intermediary between the debtor and the creditor. FBL Associates and its employees are here to be the intermediary between YOU, the consumer, and the software. Each customer will receive at no additional charge an independent contractor attorney in their state. The key is that the software system empowers the consumer so that YOU are not alone in this fight.

Our founder, Frank Billings Lindner, Esquire, has been practicing law since 1995. Mr. Lindner was the Director of the Legal Department for a large debt settlement company. Our Arbitration Department, which we recently purchased, has completed more than 700 settlements during the three (3) month period ending September 2009. These settlements were negotiated at an average of $28,640.00 per person in total debt and settled on an average, of 0.38 cents per dollar. We have provided a posting of these success stories on our website. FBL Associates, PC has hired a large non-attorney support staff with significant experience in addressing debt solutions. It is the expectation of FBL Associates, PC that our non-attorney staff can assist YOU, the consumer, (also known as the subscription customer) in using the personal automated debt settlement software program to achieve similar rates of success.

An Amazing Story

What does it say about our times when a single father becomes a praying bank robber? We've all seen the video clip and the news story where the teller convinces the bank robber to pray with her. After praying for 30 minutes the bank robber confessed he was a single father and felt he had no options left. After the prayer he turned himself into the police. To many, this news story demonstrates the power of the human spirit. To me it shows the amount of risk that honest people are desperate to take to improve their situation. That is why it is important to us that people are knowledgeable of both the benefits and the risks of debt solutions.

Our Philosophy

We love the idea of small government versus big government, this is why we strive to find attorneys who have a very small portion of their practice dedicated to debt solutions. This independent contractor attorney will have an attorney-client relationship with YOU, the consumer. These independent state contractor attorneys are not specialized or expert in any particular field. Their role is to help YOU, the consumer, with making informed choices through the use of their education as lawyers.

FBL Associates provides an independent contract attorney which is licensed in each state as an option for YOU, the consumer, at no additional charge. This state attorney is the intermediary between your personal debt settlement software and YOU, the consumer. Our relationship with this independent contractor attorney is simply that of a referral. We do not control the decision making of these attorneys.

Frank Billings Lindner, our founding partner, over the last fourteen years has developed a reputation for high quality legal work.  And, many other lawyers and similar professionals know of his reputation and have referred their clients to him for the past decade. 

Our corporate headquarters are based in Philadelphia, Pennsylvania and our operational headquarters are in Fort Lauderdale, Florida.