I would not recommend this service. You are better...

I would not recommend this service. You are better off working directly with the creditors yourself. I am embarrassed to admit that I went down this path, but hopefully in doing so I can help someone else. Two years in the program, thousands of dollars later, only two debts were resolved. The fees are high and they charge multiple fees for one debt when broken down into payments, so you can end up paying just as much to them as you would your debtors. How they describe the program is no where near the services you receive. They also report your progress falsely. When I was active in the program, they claimed they resolved most of my debt, which is why I remained faithful. Once I could no longer afford their services, my account now reads like they only settled two accounts, which definitely doesn't add up to the almost 10k I have paid them. The gag is, I wasn't behind when I entered the program. At their advise, I fell behind to qualify for the program thinking it would help me, but in retrospect, I would have been better off continuing with my regular monthly payments or negotiating settlements on my own. The way the fees were described to me initially is not how it panned out. Now, two wasted years later, I'm pretty much back at square one, doing the work I paid NDR to do for me. They essentially make their money by negotiating a settlement, then taxing you with fees, and ultimately you're only still paying more in the end. Let's say a debt is $1000, NDR will negotiate a settlement of $500, so you get excited and accept. But then they charge you a fee, let's say $300, so in the end you end up shelling out $800, essentially only saving $200. Now saving is saving, so you're still good off, so it seems, but when you actually think about it, you would be better off making that phone call to the debtor yourself and benefitting from the total savings. The way you tell yourself it makes sense is how it's broken down in smaller, affordable payments. But let me tell you, when you actually add it up, it's highway robbery, and I'm so much worse off and I STILL have the original debts and will be my own debt resolver moving forward. Yes, it's easy to say "Just don't get into debt", but things happen, people lose jobs, economies suffer, people just fall on bad times. NDR advertises like they are an advocate; they are not. NDR is a company, they govern themselves as such, and ultimately, they do exactly what money hungry companies do, they feed on the less fortunate while the wealthy profit.