While they were helpful in helping me with my debt...

While they were helpful in helping me with my debt in the beginning, when hardships hit me recently, they would not lower the outrageous monthly payment even after removing all the active ($20,000) debt still left to settle. I only owe them $2000 and they would not reduce the payments down low enough and work with me. They will NOT work with you if anything changes. They also didn't try to get my debt down much at all. I could have done better negotiating them myself. I even sent them the offers from collection companies wanting only half..and this company didn't try to help at all. So by the time I pay back company I owed, then have to pay NDRs fees, the amount is almost back up to original owed amount. So the deals they negotiated were HORRIBLE that they so called bargained over. NOW 2 yrs later all those debts I owe have accrued interest and making the amount I owe now much higher. Good for NDR cause they get 25% of that debt amount. They would only give me 3 1/2 yrs to pay off $26,000 in debt. FDR is willing to give me 5 years for a lesser amount. So it's best to avoid these vultures and go to Freedom Debt Relief..which is where they branched off from in the first place. FDR is willing to work with you. AVOID NDR if you are living paycheck to paycheck. If you have cash in your pocket..call up the collectors yourself and deal with them direct..save you a ton of fees. Keep an eye on your credit report and after 3 months or so.. send letters to credit bureaus if it doesn't show paid in settlement. Now doing these settlements does not clear your credit report nor does it help much. It ONLY shows you DID pay and settle. That's the plus..but still shows as a negative on your report. Don't expect miracles. We got in this situation ourselves so we must decide how we want to get out of it. WARNING to people out there...avoid credit cards if you can. They WILL sue you in a heartbeat these days, if you settle, they can also send you a 1099 for the part you didn't repay and also they can garnish either your wages (depending on what state you reside in) or draft direct from your checking or savings account. I know in Texas..after 4 years of a stagnant account (no pymts made), they cannot sue you. It stays on your credit report for 7 yrs. Some collection agencies will keep reporting it as NEW debt and it stays on indefinitely..so you must keep an eye on your credit report and fight with cease and desist so they cannot contact you any longer legally other than thru mail. And if the collector cannot prove the debt is owed by you, it must be removed from credit report. You will have to write a letter to credit bureaus to fight debt not proven that may or may not be yours. I only have one good thing to say about NDR and why I gave a 2 star rating...and right now...it isn't even worth mentioning. Just find another company beside NDR. They are out for your blood.

UPDATE: I made them an offer on what I felt reasonable for a monthly payment and they accepted. So that works better for me. Glad we were able to come to an agreement.