I have been with NDR since March of 2014. The con...

I have been with NDR since March of 2014. The contract you sign outlines all the payments you will make to a Global Client Solutions Account. It also shows all the transfer fees you will be charged. The settlement amounts are estimates because the debts you have on the cards will go up by the time you have enough in your account for the to make a settlement agreement. I had 6 CC I enrolled with, and I just got the 5th one settled.

I have not been sued by any creditor and have so far only received one 1099-C form. I might get more next year but that all depends on the creditors and not NDR.

Some of the operators are hard to understand, they have a thick new yorker accent and they talk fast to make sure they several everything they are legally required to say. It sucks because where I live I have bad phone reception as it is and have dropped calls from the before. Anytime you email customer support with a question they tell you to call them for the best help and maybe give you a quick half answer in the email.

Global Client Solutions has a website you can log into and see the account balance, all the fees collected, and transfers made. NDR has a client portal on their site but it isn't working yet and every time I ask about it they say I will get an email when it is working.

There was one incident where they took out their payment twice in the same month which caused me to be overdrawn on my account. They were slow to respond and kept saying they would put money back in my account and take care of the bank fee. I was almost late paying other bills because it took them a few days to do it. I ended up getting a call from the VP or someone higher up apologizing and he transferred the money back while I was on the phone with him. He also knocked off one or two percent of their fee.

The company is not perfect and could do things for better customer service. They say they will help you with everything along the way but not always. The only 1099-C form I received so far came after I filed my taxes this year. I didn't know what to do with it and I emailed them asking. Their response was they can't always say what creditors will send one. Didn't say a thing about how I am supposed to claim it on my taxes much less after I've already filed and got my tax return. Luckily I hadn't spent any of it. I ended up using turbo tax to make an amendment and I sent all the info, a check, and a letter explaining what happened to the IRS and the IRS sent a letter back saying everything was good after that.

Even with some of the issues I saved money on the cards that have been settled so far. I could only afford the minimum payments, and with the interest rates on them, I would've ended paying $36,000 or slightly more. So far after settling the first 4 cards and including their fees I've spent $8478.04. I haven't received the letter for the 5th card so I can't say for sure what my total is with that one. I won't know for sure how much I will spend settling all my debts but so far it is cheaper than paying only the minimum payments and struggling.

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It is now 9/29/2016. They have resolved my last debt. They originally told me I would be done with the program 11/24/16 and that will still be my last payment. The did add a few more payments in for next month because the amount the cards settled for are higher than anticipated. It works better than paying longer. Just be aware that towards the end of your scheduled payments they may have to make changes to get everything paid.