Hello Beth,

I have not done any personal research on them yet, and I was unable to find anything that Steve had done either.  However from some quick google searches, it appears that FBL Associates is what is called a back end processing firm, and Debtmasters is just a sales organization that refers people to FBL Associates. 

I of course have not done the research to say for sure.  If that is the case though, then the contracts from each of the sales organizations selling clients to FBL may be different.  If you have a copy of the contract and would like to send it over to me, I will look it over for you and let you know what I think of the plan they are presenting to you.

I did find this in my google search:

"We have been using Compliant Leads for 8 months. Their television
and radio advertising are the very best we have ever experienced. As a
Debt Settlement company, we take about 240 live calls over a 4 day work
week. As a result of those calls, we enroll approximately $2,000,000 of
total debt per month on a consistent basis. My Return on Investment is
higher than I ever imagined it could be. I've been in the Debt
Settlement business for 10 years and these leads are by far the very
best investment I have ever made. Cheers to Complaint Leads for taking
the direct approach and delivering on its promise to be the very best."

-Shawn, US Debtmasters

That of course further leads me to believe that Debtmasters is just a sales organization.  Send me over their contract and I will let you know my thoughts.