We are exceptionally satisfied with Fifth Season’s FLAG program. While Fifth Season wasn’t the actual first provider we contacted, they proved to us beyond a shadow of a doubt, to be the most fair and reasonable.
Our first and foremost priority will be on paying basic bills (rent / food / utilities). The costs we have incurred during my wife’s treatments for cancer has been financially devastating. Reducing our outstanding debt that we have had to endure will be another area where we will dedicate some of the funds. Additionally we will spend a small portion of the funds on insurance deductibles for my own health, which I’ve had to put off for years because we simply could not afford them.
Both Mr. Eric Smith and Mr. Giovanny Ramirez have been the utmost in professional as well as genuinely caring individuals. They both displayed a genuine concern to our needs as authentic people. My wife and I were not just some “account to sell”, we were treated with the utmost respect and concern as human being, not just an account number.
In our situation, where my wife’s employer and insurance provider would essentially put the responsibility on the other, where the employer would indicate that it was up to the insurance provider to provide necessary information, and then the insurance provider would indicate it is was the employer that was to provide information, while neither my wife’s employer nor her insurance provider would take responsibility, nor ownership or showed genuine concern in helping their own team member, in the case of her employer,. or insured, in the case of her insurance provider. Both of which were quite disheartening and exceptionally stressful not to mention mind numbing frustrating. I guess my recommendation would be to maybe find a way to get both an employer’s, and an insurance provider’s, decision makers looped into the process earlier. The biggest impediment to our situation was my wife’s employer and insurance provider’s lack of knowledge and understanding about what it was we were trying to accomplish. This created unnecessary delays in securing information needed by Fifth Season to enable the process to move forward in a timely fashion and had nothing to do with Fifth Season’s personnel or process.
In reality, Fifth Season Financial has literally saved our lives financially. Without the FLAG program we would be homeless right now. We have been living in the same apartment for nearly 4 years and had only been late with rent two times and our landlord had served eviction notice on us, even while we had shown our landlord that we were going to receive a loan from Fifth Season.
There really were no other options besides a different provider, which after various inquires, attempts and further research lead us to Fifth Seasons. Our financial situation has been so dire our credit has been ruined, and since I’ve been my wife’s full time caregiver I haven’t been able to work, and my wife’s basic salary had been reduced by 40% while being on medical leave, so getting any type of conventional loan was just out of the question. Everywhere we turned (banks / other lenders) we kept hearing the same thing, “Sorry but we can’t help you”. Except from a title loan company who charged us $300 a month in interest, which we were able to pay off thankfully. We did had a friend that held a benefit concert for my wife and that brought in a few hundred dollars, and we have had various church groups help us out from time to time, as well as have gone to the food banks several times. But we just could not find anything to secure funding that could effectively help us meet our basic financial obligations on a consistent basis. The loan we received from Fifth Season will enable us to stay above water and pay for my wife’s cancer treatments, without going homeless, especially in winter.
We will be very likely to recommend Fifth Season’s Loans for Living program to anyone who’s willing to listen.”