Rate and Review

FBL Associates – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

See also  We Are in the FBL Associates Debt Settlement Program and Have Just Been Sued. - Kari

About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • flb has done nothing for us i just found the info that they are filing chapter11. they toke our case from lifeguard and did nothing.all the fees were collected. lifeguard settled claims and then when flb got our account they did not communicate. i will file with the state of florida

  • As an attorney who has GOTTEN OUT THE CONTRACT AND READ IT, it clearly states “FLB Associates, PC has over 100 non attorney employees who are available to assist the client with the successful completion of the program”.  The program is a debt settlement program.  Maybe you should get out the contract and read it, and then have one of the lawyers at the “firm” write the contract so it doesn’t lead to the lawsuits about to be filed.

  • This is a lie. I signed up on a 24 mont agreement with Lifeguard Financial/FBL Associates. I was led to believe they worked similar to a Credit Counselor and that in 24 months my accounts would be paid in full. I just fullfilled my 24 month agreement and not one of my accounts have been paid at all. I have requested all money that I have paid to be sent back to me since in my opinion FBL breached their contract with me by not settling my accounts. The accounts I had were with banks FBL claims to have the best success with, (Bank of America, Chase, etc.) All I have received was 2 garnishments being served on me and FBL now telling me they are not obligated to offer legal assistance to me. This was also part of the agreement I signed. So far I haven’t had a response on how much of my money I will receive back from FBL. This is what I have experience since I signed with them. They are not good at responding to phone calls, emails or faxes. I have tried all three. And no! No one ever took the time to cover everything in the contract with me. All he wanted was for me to sign the agreement and get his feels.

    I feel I have been taken advantage of. I don’t care what you want to call it and I will tell anyone who will listen to my story if it saves them from making the same mistake I made. I have made a lot of mistakes in my life but this is definitely the worst.


  • I cant believe that any company change them behavior after or before join that particular company or become a client of that company.Because In Counseling service I am not face that think so I don’t think that happen in debt relief company also.Thanks for sharing this type of feedback.

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