Q: What will FFN do for me?

The FSN Debt Relief Program enables our Members to eliminate or dramatically reduce credit card and other unsecured debt at a significant discount compared with programs that simply extend payments, restructure them, or in many cases put the consumer further in debt. Our proprietary systems are unmatched in the industry and are designed specifically to achieve the best debt relief for all of our Members. Each FSN Member works with their personal highly trained Resource Specialist at no additional cost whatsoever. While our guarantee states that a Members credit card debt will be reduced by at least 75% of the debt owed before entering the program, our Members are pleasantly surprised to discover that their balances are eliminated or reduced far more than this. The FSN Membership Agreement and the Terms and Conditions clearly explain and specify the process and guarantee).

In the majority of cases, the Member will likely find that they never make another payment on their cards, and that they have in fact used the laws in place to their ultimate advantage. The partnership between FSN and our Members has proven very effective in rebuilding a much brighter financial future for consumers, helping them to become debt free, and saving them substantial time and money in the process. Members also have access to the most time tested, successful credit repair process available; allowing our Members to take back the good credit score they deserve. Finally, FSN will introduce Members to the most cutting edge financial solutions in existence today. These combined solutions are what make FSN the best option for millions of Americans.

Q: How does The FFN Program work? How long will it take?

 Based on results from Members who have successfully graduated from our program, the average Member now completes the process in about 12-18 months, although most members find that they are in the 12 month time frame (in many cases far less). While it is true that many credit card balances will be completely zeroed out, our members typically find that their average debt has been reduced by over 80%, which includes any and all costs of the FSN program, a level unmatched by any other company in the industry. This clearly represents the power of the FSN process!

Q: Who can enroll in The FFN Program?

The FSN Debt Relief Program is designed for consumers who are struggling or even unable to meet the minimum monthly payments required to repay debt to their creditors; in fact, people just like you who want to avoid bankruptcy or consumer credit counseling programs. However, it is not intended for consumers who simply desire to avoid their financial obligations.

Q: What can I expect from your company?

We work for YOU. We do not work for the creditors. It allows you to stop making payments immediately, and to ensure your interests are served and to not be under the adverse influence of a creditor during the completion of the process.

Q: I have found that some companies charge a considerable monthly fee for their services. This concerns me since there is no real incentive for them to end my debts. How does your company charge for its service?

 

Our program is set up with the incentive for us to end your debts. Unlike consolidation companies and so-called “consumer counseling agencies”, who keep a large percentage of your total savings, FSN is not compensated based on the amount you save. Companies that charge these kinds of fees rarely have their client’s best interests at heart. We see this as a conflict of interest, and we educate our members about the best possible options for their individual situation.

Q: Does your company personally provide this service or do you sell leads to other companies?

We personally handle your debts. We are not a lead-generating company that sells leads to other companies.

Q: What type of debts can be included in The FFN Program?

Only unsecured debts are allowed in the FSN Program, such as Visa, Discover, MasterCard, American Express and Signature loans. Please speak to your Agent for more information.

Q: How does FFN compare to debt consolidation or credit counseling companies?

Consolidation, credit counseling, and the majority of debt settlement companies promise to significantly reduce a consumer’s debt; however the truth is that they are highly unsuccessful. In fact, we have found in that in the vast majority of cases, consumers find out (the hard way) that most of the payments they have made to these companies do not go to the original creditor as they have been told, but instead remain with them. The end result is that thousands of dollars in payments have in effect been wasted as they have not been forwarded to the original creditor. In addition, we have found that consolidation and credit counseling companies incorrectly tell their customers that once they sign up all of their cards will not be cancelled and their credit scores will not be damaged, when these events happen in every case that we are aware of. With FSN, our members know that we treat each case individually, and our goal is to have the debt eliminated or reduced to an absolute minimum amount through our proprietary process.

Q: So, how much can I expect my debt to be reduced by?

While we are confident and guarantee we will reduce your credit card debt by at least 75%, there are a number of variables that prevent us from quoting exactly how low we can reduce your individual debt. We can tell you however, that in most cases we have seen a balance of only 10-20% left from the original debt. We would simply like to give you conservative estimates so that we can continue to under promise and over deliver. We would rather you be pleasantly surprised when we are done, than disappointed because of unforeseen circumstances.

Q: Will Collectors continue to harass me or call me at work?

Federal and State laws prohibit Collectors from contacting consumers at their place of employment. Use of our documents will put the collector on notice, thereby reducing or eliminating future phone contact.

Q: I live in Canada. Would your information apply to me?

Currently we do not work with Canadian Consumers.

Q: After my order is processed, when can I expect delivery of the Debt Relief Educational materials?

Your package should arrive within five (5) to seven (7) business days from the date you join FSN and all initial papers have been processed. However, you can begin the process immediately.

Q: What if I have debt that is more than 2 years old; can I still use the process?

Absolutely! Time is not an issue.

Q: Is there a balance limit for any unsecured debt that I wish to get relief from?

There is no limit of unsecured debt that we can help you get relief from.

Q: Will I ever have to go to court?

 

There is always a chance of a creditor suing on an account, but the percentage of people sued by creditors is very small. Sometimes court is the best way to get closure to an account, as it is probably the best forum to get the absolute lowest settlement and or get full relief from the debt.

Q: As far as the Agents and Resource Specialists are considered, will they assist us throughout each step of the process? Are there any restrictions or limitations to their availability in helping us deal with each specific debt?

 

Your Agent will be your first line of communication and support. Your Resource Center Specialist is also available to help with any questions and walk you through the entire debt relief process. You will be assigned to your very own Resource Center Specialist at no additional cost to you.

Q: Can I go out and charge up all of my credit cards since I know that I can use this procedure to terminate all of the debt?

 

You must decide for yourself in good conscience what to do in this case. However, charging up debt when you know that you have no intention of paying can be considered by the courts as intent to commit fraud, which is a crime. Ideally, we would hope that you would use the knowledge you have learned to become financially free from the debt that already exists rather than accumulate more debt. We do not offer financial advice nor do we support the abuse of this education. All of our education is within 100% scope of the law.

Q: Once my credit card balance has been alleviated, can I still keep my credit card?
 

Once you have initiated a dispute or have stopped paying on an account for whatever reason, it is highly unlikely that the card company will allow you to keep the account open. However you may keep existing cards, or obtain new cards with any other banks if you so choose. Possibly, the same bank you use in the discharge process could offer you another card with them in the future.

Q: Can I stop making payments once I begin the process?
 

We cannot offer legal advice to you in this manner, but our experience has been that if you continue to make payments, the credit card company is less likely to resolve any dispute with you. You should also note that by law you have the right to withhold payment for the amount you are disputing once you initiate the dispute process and a credit card company cannot demand payment until the dispute is resolved.

Q: If you are already behind on credit card payments will your approach still be effective?

 

The process works whether the account starts in good standing or is already delinquent. Your Resource Center Specialist can assist you with what letters need to be mailed depending on what circumstances you are in with those creditors.

Q: How does this process affect your credit rating?

 

 We cannot speculate as to how every creditor will respond to the process. However, by law the banks are not to report negatives on a credit report until the dispute is resolved. Additionally, for people with credit concern issues, FSN is proud to make available top ranked Credit Repair Programs.

 

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