POSITIVE: I want to start off by saying I saved $...

POSITIVE: I want to start off by saying I saved $17k with national debt relief so great choice to do this program. Less than a week after I got my correct amount of money into the savings account I had an offer. Pretty nice one too. Staff sometimes gives two different answers so watch that but majority give you the same answers. I don t regret the decision as it only took 6 months.

NEGATIVE: Going into it I was told they PREFER you to have 25-40% of your loan paid before they call your creditor. Prefer is the wrong word. They simply won t do it until you have 25%. They submit requests to call early but none of those requests will be answered. So make sure you know how long it will take you to get 25% of your loan amount. They say 4-6 months but depends on individual people and loan amounts.

My credit score still says 728 so either my bank is way off or my credit was never affected. Still working on this one so if you re worried about credit I don t have much to add on this topic.

Overall I would recommend the program. I didn t mind dragging my credit through the mud for a few months to save a major amount of cash but some people do. It s all preference. If you take nothing from this post Just make sure you have 25% of your loan amount. Quicker you get that the quicker the offer comes!

My final piece of info on this topic is that my loan was negotiated and I didn t have to pay $9k. The IRS will count that as income for the year as cancelled debt. So come tax time it may or may not be a good thing.