I thoroughly researched the implications of signin...

I thoroughly researched the implications of signing up with National Debt Relief before I moved forward so I knew that the process would adversely affect my credit, etc. After weighing the pros and cons, I decided this was the right thing to do for myself. I tried unsuccessfully for YEARS to pay my credit card debt off on my own. I just could not do it. The temptation to use the credit cards was just too great for me. Not to mention the need to use them just for monthly living expenses because I had dug such a hole for myself financially. Having to close all my accounts when I signed up with NDR forced me to live within my means. It hasn't been easy but I'm doing it! It took a full 6 months into the program before any of my debts were resolved but I'm happy to report that within a year, I will have 3 out of 10 of my debts resolved and I couldn't be more satisfied. The estimated length of time needed to pay everything off is 45 months and it looks like I'm right on track. Bottom line...do your research. Understand the implications for your individual circumstances. If NDR is the right fit for you, GO FOR IT. The weight that has been lifted off my shoulders just by having 1/3 of my debt resolved so far is IMMEASURABLE!