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 FBL and Associates has paired with a revolutionary software technology in order to provide the optional law firm support for the subscribing customers. We hope to provide triple value in the form of protection for our services. There are three (3) separate and distinct attorney networks. The first attorney network is the FBL and Associates staff attorney. The second attorney network is your independent state contractor attorney. The third attorney network are the reserve attorneys. In some cases FBL and Associates, PC will be covering pre-paid legal insurance for those who subscribe. This pre paid legal service (which each attorney has malpractice insurance) will be covered by FBL Associates, PC. FBL Associates, PC maintains a $5 million malpractice coverage. We will only accept independent contractor state attorneys who maintain malpractice insurance coverage.
Recently we have seen law firms across the country attempt to do debt settlement and are doing what many have classified as deceptive and fraudulent.
In these extraordinary times of economic hardship, there has been a significant change in the kind of person that needs financial help. For the first time in history the silent majority is having a hard time affording their monthly bills. People who are purchasing the personal automated settlement software are not irresponsible people collecting debt to buy luxury items, but are hard-working parents who, because of circumstances unforeseen, find themselves drowning in debt.
For argument's sake, let's assume that you have a secretary who has worked hard for many years and has a husband who works in a job with overtime. Two years ago, they renovated their bathroom and three years ago, they purchased an SUV for the family. Now, the husband no longer gets overtime and the hard-working secretary's hours have been cut back and/or raises have been restricted. They now find themselves falling short a couple hundred dollars each month. Every month they have been covering their shortfall with their credit cards. The credit card companies have noticed a decrease in value in their income and the increase in charges to their account so they unilaterally raised the interest rate from 7% to 21%. Now a bad problem has just become worse. You would think credit card companies would reduce the interest rates to help people through these hard economic times. However, the credit card companies want to maximize their fees and interest when the average American income has been minimized. Out of desperation, people do not want to claim bankruptcy, however, they cannot pay the full balance of their debt. In my personal view, I don't believe they should. Why should people have to pay 21% or 25% interest on their credit card debt. If you were to look at the average credit card debt, there is a real question about how much of the debt that the credit card companies are suing over is really fees and interest.
 Small claims courts, originally designed to protect the average person, have become cesspools for collection agencies. Collection companies across this nation are utilizing small claims courts to get easy judgments against clients. These judgments not only include the original debt, but usually tack on many other fees and court costs. When you look at the judgment, the question is, how much was the real money spent by the consumer and how much is interest, penalties and fees? Nobody should be surprised then that credit card companies can negotiate debts at 50 cents on the dollar and still make a profit? There is a desperate need for a personalized software system which is designed to give the subscription consumer control over the negotiation of their debts.
Ironically, we believe credit card companies should embrace debt settlement companies and personalized debt settlement software like the one being provided by Expert Settlement Professional. If you look at our website you will see over 1500 settlements in the past couple of months that may have all been bankruptcies. In those situations, the credit card companies would get literally pennies on the dollar. In the past through the use of debt settlement, as risky as it may be, the credit card companies have been able to collect money which eventually would have ended up forcing people into bankruptcy. How long can our secretary and her husband continue to fall short monthly with their interest rate unilaterally being raised as more and more debt accumulates? We are not talking about dead beats. We are talking about people that want to pay their debts. Without some kind of help this couple is destined for bankruptcy. If they do claim bankruptcy the credit card debt is worthless to the creditors. Therefore, debt settlement assists the consumer in making a reasonable settlement to honor their debts and helps creditors by avoiding bankruptcy. In principal, it is a win-win scenario when debt settlement can be done in an ethical and professional way.
Today so many debt settlement companies have abused their authority and have mistreated their customers. This personal automated software program is a good option. It keeps the power in the subscription consumer's hands. Only you, the consumer, has the ultimate decision to make a disbursement to a creditor. Only a subscription customer has the power to accept or deny a settlement. The choice regarding settlement is discussed with the local attorney and only through your direction, does that money get disbursed. To further assist the consumer, FBL Associates, PC has a non-attorney support staff which is available to answer an array of non attorney questions to help the consumer. The beauty of this product is that the automatic software system is the intermediary between the consumer and the creditor. FBL Associates, PC is the intermediary between the subscription customer and the automated software system. And, the subscription customer is supported by the independent contractor attorneys. Lastly, you, the consumer, controls the disbursement to the creditors.
The Product YOU, the consumer, did purchase is a personal debt settlement software program for a fixed fee sold by Expert Settlement Professional. In order to give as much value as possible to the software system, FBL and Associates has paired with a revolutionary software technology to provide an optional support of the software to assist the customer with making non-legal informed choices. As part of that process, FBL Associates, PC works with staff attorneys, reserve attorneys and independent state contract attorneys whose function is to assist you, the consumer, with making legal choices. It is this combined team which gives you, the consumer, better service and better choices.
Your money is placed into an escrow account through Noteworld in the subscription customer's name. However, the independent contractor attorney will have no rights to make any distributions of settlement funds without the express consent and direction of you, the consumer. The functions of the independent contractor state attorneys are to review any settlement documents and answer any software questions that may be expressed from the subscription customer.
Once a settlement has been reached, it will be up to the sole discretion of the subscription customer as to whether or not they wish to accept the settlement. If you the consumer decides to accept the settlement, then the subscription customer will direct the escrow account through Noteworld to pay off the settlement directly. Therefore you, the consumer, are the sole person in charge of distribution of any funds.
 In plain and ordinary language, you must have a legitimate financial hardship. If your financial hardship becomes too extreme, you may have to go into bankruptcy. Once an unsecured creditor has a customer going to bankruptcy, the value of their debt is significantly reduced. Creditors need a reason to negotiate and settle your debt. Creditors do not want you to claim bankruptcy especially if you can show a legitimate financial hardship. Previous attorney models have argued that they will find technical violations of various federal and state statutes in order to relieve you of your debt. This has been commonly referred to as the Kennedy/Hess model which has been routinely refuted as a fraudulent scam. We do not audit your files or look for technical violations of rules. What the automated debt settlement software program does is pool your legitimate financial hardship with thousands of other similarly situated people in order to negotiate with the creditor to make the debt affordable for the average person to hopefully avoid bankruptcy.
Even though FBL Associates, PC is here to support you in regards to the personal debt solution system, it is a RISKY PROCEDURE to attempt to do debt settlement. Debt settlement is similar to a surgical procedure. Surgeries can have complications and some people can die. In the debt settlement industry, this means that your credit score will be negatively impacted for many years. Creditors can sue you. Nobody can stop creditor's harassing phone calls. People have a right to try to collect their debts owed.
I would first like to clearly and in plain language address what we don't do.
 We are not a money-service provider or money transmitter.
FBL Associates, PC is only qualified to render legal services in the US Supreme Court, the US 2nd Circuit Court of Appeals, the US 3rd Circuit Court of Appeals, the US 9th Circuit Court of Appeals, and the Pennsylvania Supreme Court.
ONLY Prepaid Legal Insurance. will represents YOU, the consumer, in any court proceedings if you subscribe.
We are not intermediaries between the debtor and the creditors.
Debt settlement is a risky procedure and should only be done if you have a true financial hardship. FBL Associates, PC is here through its non-attorney support staff to answer any non-legal questions or concerns regarding the personalized automated debt settlement system. The attorney-client relationships will exist with each subscription customer with an attorney in their state. You, the consumer can ask legal questions regarding the automated debt settlement software directly to your independent contract attorney, who begins working for the consumer immediately upon purchase. We have placed, in writing, a Read Me Disclosure, which again goes through all of the negative consequences of debt settlement in a simple and easy-to-read format. We understand that people who are facing financial distress find themselves being preyed on by people who make false promises and implied statements. FBL Associates, PC wishes to make it clear that if any individual company or entity has made any statements different than what is in our website, we wish to be notified immediately so that we can make sure action is taken. Transparency, communication and value are our goals. FBL Associates, PC is here to support the subscription consumer in any way that is legally possible.
Our employees are here to assist you, the subscribing customer with non-legal questions. The personal automated debt settlement software will draft letters, send out requests and demand settlements on behalf of you the consumer. In order to help the consumer with your subscription to the personal debt settlement software process, we provide an attorney which is licensed in each state as an option for the consumer. Our relationship with this independent contractor attorney is simply that of a referral. We do not control the decision-making of this lawyer or limit their functions.
This independent contractor attorney will have an attorney-client relationship with the customer of the automated debt settlement software subscription. These independent state contractor attorneys are not specialized or expert in any particular field. Their role is to help the consumer with making informed choices through the use of their education as attorneys. They are not providers of debt settlement services and they are not debt settlement companies. None of these independent state contract attorneys have any specialized knowledge, training or education beyond that of a licensed practice attorney in good standing. We strive to find attorneys who have a very small portion of their practice dedicated towards debt adjustment. In such cases, it is for this reason, that these independent state contract attorneys will be providing legal advice which is incidental to the normal course and scope of their business and they are in no way employed by a debt settlement or debt management company.
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