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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