My wife and I have been on this program since August 2018. I am not going to lie, the first 3 months were very difficult because the creditors were calling and trying to make deals with me but I followed FDR instructions to the letter when answering the phone.
After month number 4, the calls ceased and my deposits every 2 weeks started to grow.
FDR actually made a settlement with 1 of my creditors in April 2019.
I was just informed in May 2019 that another settlement had been reached with a 2nd creditor!
If necessary, you can also add more creditors to your account after 6 months of being enrolled with FDR.
FDR negotiate with creditors without you having to worry about the details or the headaches of dealing with creditors harassing you, and so far, it has been usually about half off the balance.
I have been in the program going on month 10 and so far so good.
I have been on time with my payments and have watched the short videos provided on their website.
My advice to you if you are new is this:
1. Make automatic payment arrangements.
2. Watch the short 2-minute videos on the website.
3. Set up your e-mail address to receive notifications concerning settlements, website changes, etc...
4. Check your FDR website every now and then.
FDR has been on top of things so far.
Bottom Line: Yes, I would recommend this to a friend
