Bait and Switch
At first I was excited about speaking with National Debt Relief because I had heard a number of good things. I have credit card debt due to life just happening; medical emergencies, a family member passing away suddenly and trying to help the household. Everything happening all at once. I reached out, I will say I’m not behind and I have a good history with my creditors, but that was the rub. The reason I say that was all NDR wanted to do is take out a consolidation loan which was quoted for already around what I was paying! So essentially they were simply shifting my debt while getting a 25% cut, instead of reducing it down and a completely different amount then I was quoted! When I reminded them of this and that I would have to think about it, when I called the number back, an agent hung up on me. Then when I called back another agent picked up and said my name and tried to pull the same bull, saying they would call me back on another day but never gave me their extension or email. They couldn’t even answer the question ‘what would happen if I lost my job? Would there be a hardship program?’ Please ask these questions. With consumer protections being lifted, please be very careful. Agencies are taking advantage of the hike in the cost of living, which is affecting the average person a great deal, becoming more predatory and looking to fill their pockets while they can. There are government and state run debt repayment plans. Just Google. I have and I’m going to try them instead and it will cost less and they definitely don’t recommend another loan.