I signed up for this company in December 2017 bc m...

I signed up for this company in December 2017 bc my wife and I took a massive pay cuts as we switched professions. We had 4 debts equalling to approximately 70k. It took 1 year to settle our first debt. The other 3 companies would NOT settle. That was a credit union. I found out later that most credit unions DO NOT settle with these companies. They filed a lawsuit against us so NDR said we should settle. The CU would only settle for 6k more than out original debt of 25k. In addition, NDR took added their fee on top of that. The same thing then happened with Bank of America. NDR never called the 4th company---I found this out later.

In 2019 we decided to pull out of NDR, which was another PITA. We then contacted a lawyer and filed for chpt 7 bankruptcy in September 2019. Our bankruptcy was discharged in March 2020. Our credit score went up 25 pts immediately and has gone up a few pts. more. This was a much greater process than NDR for our situation. I found out from every lawyer I spoke to that our credit score would have been horrible for the extended 75 months with NDR. We can now buy a house in 2 years and all debt has been forgiven. I went with NDR based on reviews, which I now question. BE VERY CAREFUL and investigate all possibilities! If I could give them zero, I would! HORRIBLE, HORRIBLE EXPERIENCE!