National Debt Relief

AT FIRST THEY PAINT A GREAT PICTURE, BUT ALL THE THINGS THEY SAY WILL PROVE TO BE NOT TRUE AS TIME GOES ON. WHEN WE FIRST STARTED WITH THEM, WE WERE NOT BEHIND ON ANY DEBTS, JUST STRUGGLING. WE STAYED IN THE PROGRAM A LITTLE OVER A YEAR. SINCE WE STARTED, A SHERIFF'S DEPUTY SERVED PAPERS ON US FOUR TIMES, BEEN TO COURT TWICE, BUT THEY SAY THAT'S NORMAL. AT FIRST THEY DIDN'T. WHEN WE FIRST STARTED THEY SAID WE MAY GET TWO OR THREE MONTHS BEHIND, BUT THEY HAD EVERYTHING COVERED. WE WERE PAYING THEM $1,600 MONTHLY. NOW WE HAVE BECOME OVER A YEAR BEHIND ON MOST DEBTS. THEY ARE A RIP-OFF AND A SCAM. IF YOU DON'T MIND THE EMBARRASSMENT OF HAVING A DEPUTY SHERIFF COME TO YOUR HOUSE OR PLACE OF WORK, AND GOING TO COURT, THEN THIS PROGRAM IS FOR YOU. I'M SURE THERE ARE BETTER OPTIONS.

I'm a senior citizen on a fixed income. I got into a bind with online payday loans. I talked to a representative with this company and it sounded great and something I could live with. This company then turn over my account to Consumer Capital Credit. They take $284.82 out of my checking account every month and have been from 6 to 9 months. I called today to get an update on the status of my accounts to see what has been paid and if any of them were paid off. I was informed that nothing has been paid on any of my accounts and nothing has been paid off. I could have paid 2 of these off myself in the time that it has taken Consumer Capital Credit. My question is where is my money going and what are you doing with it. Again, I'm on a fixed income and cannot afford to throw $284.82 away every month. I need some help please.

I signed up with this company back in 2015 with a total debt of around 12k. I wish I would have shopped around and read the reviews. This company will fee you to death! On Jan 12th, 2018, I made my final 2 payments to my last 2 credit cards. Each was $725. I was thinking this was perfect! I have more than enough money in my account to cover this because I just deposited my entire bonus check in there back in December. Not to mention I was still making the regular monthly payments. ...was even thinking I would get some money back. Boy, was I wrong. With looking at my statement I noticed my account balance was at $0. How could that be? With more investigation I discovered they charged me a $740.50 fee for each transaction! So my debt payment was $725 and you charged me a fee of $740.50? On both of them?? I had a remaining debt of $1450 which I paid and now I have to pay a fee of $1481? WHAT??? So my fees to them were more than my debt payoff to the credit card company??? That didn't seem right...not at all. I called, talked to a very nice woman about this but she only had basic answers and her manager was even worse. Bless her heart, it's not her fault that she works for a POS company but I had some choice words to say about what the hell they are doing to people. So with my story being told, I would suggest that anyone who is as desperate as I was with resolving my debt, please shop around and figure out which is the best company to use. Going this route destroys your credit even more! It might even be best to try and work out a payment arrangement with your credit card companies....at least that will look somewhat good on your credit and with all the fees this company charges, you're pretty much paying your entire debt anyways.

Chances are with the High Fee's and Lawsuits against you under this program you will not actually save any money from your current debt and may in fact end up paying more then the original amount you owed. They are Not trustworthy, they don't actively talk with all your creditors until it may be to late, critical errors that lead to lawsuits and additional legal fees which they should’ve paid but didn’t. Also encountered surprisingly rude reps a couple of times. Study contract carefully before committing. Their settlements won’t always be as high as you think; High fees accumulate, are not trivial; projected number of payments may be based on you making extra deposits you didn’t commit to; may tell you monthly deposits must increase or risk extending your payments; some accounts may be sit around until frustrated creditors file suit. Also note that any settlements above $500 are reported to IRS. You’ll receive a 1099-C form and many will owe income tax on these amounts. These are additional fees that I didn’t find out about until I received my first 1099-C. NDR never mentioned this pre-contract. I regret not managing my own debt settlement. It’s not rocket science, folks. Main reason for going with NDR was to make sure I didn’t get sued. I got sued, it never should’ve happened.

Don't use this company!!! I've been in this program for eight months. The fees are unbelievably high with over $1500 charged. They made arrangements with one company and called me asking for additional money every month. Then I requested they not deduct a deposit from my bank for one month because I needed the money for surgery. They wanted to know what kind of surgery and how much it costs. They needed to tell the creditor so they could "approve it." I am in the process of cancelling this service. There are way too many fees and I could have paid the bills myself with the amount they charged. Stay away from this company!!! Also, the BBB gave them a NR for no rating!

Great company, however the agent I spoke with over the phone was very rushed in his delivery when going over the services this agency provides. When I asked questions, he was insensitive toward the situation and rushed over the answers, leaving me frustrated in terms of what to do. I almost felt like I was prying for information from my agent. He had good suggestions, but delivery came off as insensitive. They are a great company with great things to offer, however the agents may need to work on customer service and delivering in a slower, more patient and sensitive manner as clients who usually call are frustrated and need sensitivity toward their situations.

If you are needing relief from your debt, DO NOT use this company. They tell you not to pay any of your bills but instead send your money to a specified bank and for me that was $314 each month. They tell you they will get started negotiating with your creditors right away to settle for a reduced amount. However, THEY ONLY USE YOUR MONEY to pay off the reduced amount. So figure....If I owed $5,000 on a credit card and they say they usually get the debt reduced by 50%, then they must wait until YOU have deposited at least $2500 into the account before they can do that. Lets figure...$2500 divided by $314 = 7.96. Otherwise I have to make at least 8 payments before they will start the negotiating process. That's 8 months of phone calls from the creditor. NOTE: That is for just the first credit card, and I have 5 total so it will take years to complete THEIR process. If you need help, file bankruptcy. It stops the calls quicker and your settlement will be quicker and easer OR you have the choice to just stop paying the bills and deal with the calls. If you ask them to stop calling, by law, they are suppose to quit calling...if they don't, then you can file suit against them. I have consulted two lawyers and both said just what I told you. It is your choice.

I have been with NDR since 03/24/2015 and so far two accounts have been settled which I am not happy with. Citicard settled for 43% of the 2943. However, the 25% fee was very high of $732.75. If you do the calculation .... 2943 settled for 1265 is not very good. 1265 plus 732.75 fee = 1998 and I only benefitted a saving of 945.00. Another example recently my Discover was settled for 1240 at 73% for a balance of 1621. NDR did not do a very good job with this one. I am actually paying more than the original balance. 1240 settlement plus 403 fee is just like making a payment plan. I still have four other accounts and just imagine what the outcome would be like because, in my opinion, they do not get very good offer of settlement. This is what I have experience so far. If I do get something like 35% or less, they I will be happy. Another down side is... once you enroll, they forget about you and do not even contact you with what is going on other than rehashing what you as a client already are aware of.

Everyone has always been polite and professional.

This program help me understand how I should use my money

Very sympathetic. Very flexible. Works for your best interest!

Great job of working with creditors and helping to make us feel relief

The program is slow and some of my cards are getting charged off.

Over all experience with National debt relief easy and nice experience

Takes time before things start to happen. But once it did, I was amazed!

They work with the creditors for a lower amount to pay off the loan.

Extremely helpful and understanding phone Representatives. Wonderful program!