I Can’t Reach Anyone at FBL or Lifeguard Financial. – Taunya

Three years ago my credit was perfect but I was in over my head and was solicited by Lifeguard Financial. They were very convincing in telling me that I could cut my credit card debt in half and reduce my monthly payments. They were not upfront about the fees. I have been making payments to them through Note World all of this time only 1 of my accounts have been settled I have been sued twice. My credit is completely shot and the balances have doubled because of interest and fees. I am currently being sued and I am unable to reach anyone at Lifeguard or FBL. Now I am reading all of the complaints and unresolved issues regarding Lifeguard and I feel I have been duped.

At this point, I don’t know what to do they have all of the fees but are doing nothing for me. Are they still in business? Were they ever in business? Should I file Bankruptcy or try and settle the accounts on my own? Am I entitled to have the fees refunded if they didn’t uphold thier end of the agreement ? The debt is around $15,000.

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  • Anonymous

    Please let us know IF Lifeguard is still collecting THEIR fee from your monthly payment! I’d be really interested to know.

  • Michael

    Hi Taunya,

    I do not believe Lifeguard is in business any longer. What this would mean as far as refunding of fees you paid in, I do not know. If they used one of the independent escrow companies (Noteworld or GCS), you should be able to log in and determine what funds remain in that account and you should be able to request the funds be released to you.

    Whether or not you should attempt to continue with settling the accounts in order to avoid bankruptcy should be determined by your ability to fund settlements on the remaining accounts. You should focus on the account you are being sued on first.

    Please reply in the comment section and answer the following:
    What accounts remain unresolved?
    What are the balances on each?
    Who is suing you (plaintiff listed on complaint) and name of attorney firm for Plaintiff?
    What state do you live in?
    What amount of funds can you put your hands on right away given the emergency nature of your situation?

    You should definitely contact a local bankruptcy attorney and learn more about whether filing would be consistent with your immediate needs and short to mid term financial goals.

    If you answer the above questions in a comment reply you will get some helpful tips and feedback to consider from here.

  • Michael

    Hi Taunya,

    I do not believe Lifeguard is in business any longer. What this would mean as far as refunding of fees you paid in, I do not know. If they used one of the independent escrow companies (Noteworld or GCS), you should be able to log in and determine what funds remain in that account and you should be able to request the funds be released to you.

    Whether or not you should attempt to continue with settling the accounts in order to avoid bankruptcy should be determined by your ability to fund settlements on the remaining accounts. You should focus on the account you are being sued on first.

    Please reply in the comment section and answer the following:
    What accounts remain unresolved?
    What are the balances on each?
    Who is suing you (plaintiff listed on complaint) and name of attorney firm for Plaintiff?
    What state do you live in?
    What amount of funds can you put your hands on right away given the emergency nature of your situation?

    You should definitely contact a local bankruptcy attorney and learn more about whether filing would be consistent with your immediate needs and short to mid term financial goals.

    If you answer the above questions in a comment reply you will get some helpful tips and feedback to consider from here.

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