National debt relief program - Is it a scam?

What do you know about National Debt relief LLC?

why do you have have false information here and no one cares for the facts. National Debt Relief is not based in Brooklyn, and is a completely different company, there is NDR and NDRG, different companies. I looked into it and wanted to know the facts. Please advise - Thank you .

My husband lost his job because of the cash for clunkers deal. He was a used carhauler. Now he is working for a trucking coming making half of what he was making. We went without his paycheck from November through January. God kept us afloat and we never did without, however, we are still trying to catch up and keep getting notices that our CC rate are going up to 30+%. How in the world will we ever pay off our credit cards.

The address that John quoted is located on the the unsolicited mail they (NDRSP); John is merely pointing out the CORRECT address.

If you have received solicitations from a so-called "government-sponsored" national debt relief program, I would suggest it is a 100% scam because no government program to date provides any type of debt relief per se. The closest you're gonna find is an IRS "Offer in Compromise" a proposal that you make to the IRS to settle outstanding IRS tax debt based on a financial hardship.

Althought, no government program provides any type of debt settlement provision, what you may be referring to is the National Debt Relief Stimulus Plan. More on the national debt relief program is available at http://debtfreeleague.com/national-d...ulus-plan.html. The company that provides the service is called Debt Free League out of San Diego, California.

I received an official looking document that appeared to come from a government agency; it was from National Debt Relief Plan. A check was attached made out to me indicating that I was eligible for relief. This is a great site because during these financially difficult times people are looking for help out of their financial bind. Thanks for the warning about this predatory tactic.

I agree! The middle class will soon be a thing of the past (unless we can outlast the obama administration)!! Come on 1/20/2012!!!!

oh and good old W started this trend.so quit the obama bashing idiots.

There is only one debt consolidation organization that is really legitimate. Consumer Credit Counseling was the first that I know of, many years ago, to offer the ability to lower your monthly payments and still pay your debts off early by negotiating reduced or eliminated interest rates with your creditors. My husband and I needed such help back in the 90's and signed up with CCC. For a very reasonable price of something like $29/mo. (certainly more today!), they lowered our payments to a very manageable level, while paying our debts on time so our credit wasn't adversely affected. We were able to complete the program early and came out of it debt-free and with our good credit preserved. I truly wouldn't consider calling anyone else. All the other outfits in the field are for-profit, and that changes everything about their focus and commitment to their clients. Seriously, call Consumer Credit Counseling today. The one we worked with was in Arlington, TX, and they were great.

What you need to do is talk with a few not just one but attorneys that specialize in Bankruptcy and see what they say. They do not always reccommend you go that route and some of them will have numbers of other legitimate companies that can help people. As far as the Chapter 7 if I remember correctly wipes out all debt and then Chapter 13 is the one that restructures your debt. Check around and see what help is out there for you.

YES! The collection agency is able to wipe the collection item from your credit report as if it never existed…

The secret is you have to tell them you NEVER received any communication about the collection whether you did or not (a small lie... they know and don’t mind you saying it)

This method worked for me on small amounts ($240 for medical bills), but I had to prove that I paid/settled the amount. Originally, it showed on my report as a settled collection item which didn't help my score. I did everything in my power with the credit bureau to remove it with no luck. ONLY the collection agency was able to completely remove it as if it never happened. The collection agent accidently gave me the idea. Yes... I was very nice to her...

Lesson learned... be very nice with your collection agent. Your weakness is your strength when you talk to them. The person (not the company) talking to you is human and usually they want to help you. Make them an offer of what you can do, and ask them to provide you a letter that says they will remove the collection item from your record if you fulfill your end of the deal.

The worst that could happen is they say NO, but they will never do that...

They bought your debt for 5-10 cents on the dollar, give them 20 or 30 cents and they will kiss you for it. I know this from experience as I studied buying bad debt as investment in details, but decided it's not for me and there are better investment vehicles out there.

i have roughly $35,000 in credit card debt. has anyone heard of impact debt solutions?They are out of San Deigo,ca.

It can be..
I heard about it..But still not looked deeply. I think it is SCAM. Chapter 13 it means it is too long to read...I have to check this one.

(Link Removed by Shazzers as solicitations are against TOS rules)

Link removed. Please read TERMS OF SERVICE for a more detailed description regarding advertising. Shazzers

Well, it's a scam, sort of.
I talked with them a couple of times, asking a lot of questions.
The bottom line is that they'll work our a payment arrangement with you whereby you pay NDR monthly while paying your creditors nothing, over the course of 3 years (their most popular program). Supposedly your own debt will get degraded by as much as 45 to 65 percent, something that sounds pretty good to us honest people.

Problem is that NDR will not provide you with a written agreement between you, NDR, *AND* your creditors which really means that you're HOPING those 3 years will not turn traumatic for you, with bankruptcy, lawsuits against you, potential judgments, etc. The risk is 100% yours alone and you'll have nothing in writing to back up up should you end up being sued by creditors during that 3 year period.

In my opinion, signing up with NDR would be completely idiotic. Primarily because you're just as much at risk of losing everything as before since there's no guarantee of any type, and secondly because the efforts between you and NDR regarding your creditors are in reality based on nothing more than hope. The lady on the telephone was quite obviously with NDR fo some time, new how to answer everything, and knew how to shy away from the tough questions while still having an answer available for questions that she didn't (wasn't supposed to?) answer in detail. Besides, you'll never even know for sure if the agreement between you and NDR was successful until the 3 years is up. Do you really think your creditors will wait for 3 years and do nothing .... ???

Does anyone have any information about Take Charge America?

I just read the posts and wanted to add: I got in the mail a letter from "National Debt Relief Stimulus Plan" in a very professional-looking envelope addressed from Pennsylvania Avenue. Thinking this was the real deal I called the contact number only to reach the voicemail of someone named "Brandon." That really made me rethink my attempts at debt relief!