National Debt Relief

I was in touch with National debt relief from past 2 years and trying to decide if I want to go this path or not by talking to few agents . Recently I had bad experience with few agents that I talked with rude attitude thnking that I am not a serious client or wasting the time by not enrolled into their programs. I think as a customer you have a right of thinking and asking or talking to few agents or looking for other options also . One of the agent Richi S. was very rude and offensive in talking to me and said I am totally a waste of time and not serious before even getting into the details of my current situation. Yes of course I had submitted the request few times thinking of enroll but did not take the decision . They cannot force or assume that every one who ask the adivse does not necessary have to enroll l or cannot submit the request again because they are not serious!. Very bad and rude customer skills. please train them to be kind and professional towards clients with their talking.

They say you can opt out at anytime. After 2 years of payments and in between any ongoing negotiations I sent a written statement to opt out. They called me to verify which I answered, then put me on hold several times for 5 to 10 minutes each time and then said my supervisor would like to speak with you. I hung up frustrated and since then they blow up my phone daily with phone calls!!! I opted out, leave me alone!

I DO NOT RECOMMEND NATIONAL DEBT RELIEF OR THE COMPANY THAT THEY SENT ME TO WHICH IS CLEAR ONE ADVANTAGE
IT IS NOTHING BUT A SCAM

When I contacted and NDR I was desperate. My income had dropped considerably due to my cancer returning and not being able to work my regular hours. Plus children had moved home which put an additional stress on me financially.
I explained all this to the young man that I spoke to.He told me that they were going to be able to help me and that they would relieve a lot of the stress that I was feeling. He told me to stop making payments on all of my creditors and to not under any circumstances speak to my creditors.
When I expressed my concern about not paying my creditors because I had never been late on a payment ever…. I was told not to worried about it. It was going to slightly lower my credit score, you stated that not to worry it will drop off slightly but they will have everything settled within 3 to 4 months and it will go back up after they settle with my creditor and we start making the payments.
There were a few things that he failed to explain to me one being that all of the accounts were going to be close what he did lead me to believe is that they were going to be put into good standings.
After that first initial call with him I was contacted by a company called Clear One Advantage they were very pleasant in the beginning took all of my information and began debiting my account on a monthly basis in July of 2017 by September of 2017 not one of the accounts have been settled my phone was ringing off the hook my creditors emailing me as well, telling me that they’re willing to work with me, I just needed to contact them and they would see what they could do.
With it being the third month and nothing had been settled yet I did respond to one of my creditors explaining to them the situation. Disturbing thing is that when I asked her why they hadn’t contacted clear one advantage I was told that they had never received anything from them that’s why they were reaching out to me. At that time I was able to settle the account with my creditor got the direct contact number for the woman that I spoke with and immediately contacted Clear One Advantage.
Let them know that I was able to settle the account with my creditor and then I told them that my creditor stated that they had never heard from them I was told that they all say that they just want you to make a payment to them.
That’s funny someone settling an account with me with no problem is going to lie and say they never received the notification I don’t believe that. Anyways I settle the account and they turned around and charge me the full settlement fee
I had creditors call me and say that they were Allowed by law to discuss my account with anyone but me when I called Clear one and told then what my creditor head told me… it was then that I was told that I sign over my power of attorney to them.
About a week later I checked my accounts to see if there was anything else settled and I noticed what’s the balance of my account had drop tremendously. So I I clicked on the transactions and see they’ve made a small payment to my creditor plus $10 for 2 day air which it actually cost $6.70 and then I see a deduction for their fee which was more than 6 times the payment they had just made to my creditor leaving my account at less than $10 balance. I contacted clear one expressing the fact I settled the account not them and why was I being charged such a fee and why would they drain the account leaving no money to make the next payment to my creditor or to settle any of the other accounts what I was told was they had a right to pay themselves. After I did explain to them that I settled the account not them they dropped it to half of the fee for the account that I had settled but mind you this is the only 1 account after four months that have been settled. At this point all of my accounts are now going into collection,the amounts owed to my creditors have gone up considerably my credit has dropped tremendously so I start sending them the collection agencies information. In the six months they finally settled the second account. Lo and behold their fee amount because the amount due has gone up there fee has gone up the amount due is gone up because he never made contact what’s the Creditor to make a settlement. They make one $25 payment to that creditor and then pay themselves thier fee draining all the money out of my account again leaving me nothing in the account to make the next payments to both those creditors intern lost both of the settlements.
Here it is nine months later I have paid them a tremendous amount of money and of that money they only paid $325 to 2 creditors one of them only one payment of $25 the balance of the money they paid themselves oh and there is a $8.35 monthly fee for the account they hold my money in. They only had two accounts settled but now both lost because they said there was no money to pay them.
i now have my creditors ringing my phone Non-Stop everything’s gone into collections. I started with a 780 credit score I now have a 403 credit score. I was recently laid off from my job and in my line of business I have to have good credit so I can’t get another job. I manage Apartments andI was living onsite I have to move but I can’t get an apartment because my credit so low and when I call them to see what they are going to do I’m being talked to like I’m a piece of garbage.
I’m receiving daily between 20 and 30 calls a day from the now collection agencies threatening me.
No I do not recommend this company no because it’s a scam
I am literally financially devastated. I have paid them thousands of dollars 90% of it went to them. When I asked them why they continually drained my account and caused the loss of my settlements they stated that they wanted to get our fee out of the way. WTF if I can’t make these large payments to my creditors each month what makes them think that I can make them humongous payments that was far more than what I was paying each month to all my creditors.
In addition I had inform them that I was closing the checking account that they had been taking the payments from so they were not to charge that account going forward. That I wouod get back to them with the new information for my new checking account. I purposely had not given them the information because I was researching what my recourse was so when it came time for the payment I hadn’t given the information and on their website it’s it’s showing that I owe them money for fees and they wanted their money so what did they do they charged my old account which had nothing in it so I was hit with a NSF fees and every 3 days I get charged a fee for the negative balance but they got their payment and I’ve got payment it went to fees for the accounts that they lost the settlement because couldn’t make payments to my creditors Beach they had drained my account for all the fees
I have my creditors calling me 30 times a day threatening me. And every single one of them told me that it never heard from Clear one advantage when I emailed clear one Advantage for documentation of each time they contacted my creditors, that their website it says “In Negotiations” they have to have some kind of documentation of each time that they called or emailed or mailed something to my creditors and I wanted copies. I received an email back from them saying they didn’t have any documentation.

So let’s recap 9 months the only two settlements that they had they lost because they had drained all the money out of the account. They have now also caused me to be in debt with a bank that I was closing myjet has now almost tripled 90% of the money that a page of them they took in fees
My credit score went from 780 to 403 I have creditors calling me 30 times a day threatening me I can’t get a job in my line of work because I have to maintain a good credit score and now I can’t even get an apartment because my credit score is so low no one will rent to me
So they financially devastated me and I’m going to be homeless how does that sound to you.
They told me they were going to reduce my stress I think not.

I was looking online for payment consolidation loan, then redirected to these guys somehow although I wasn’t looking for this service at all. After talking to Steve for about 30 min., this is my opinion:

Be VERY careful before you decide go with debt settlement and don’t believe the huge savings you will supposedly get. Lower but stretched payments with higher interest will cost much more on the end. These 30-50% so-called savings are in the fact money going into their pockets. Plus, your credit score will be so screwed up that nobody rent you a bicycle.

Debt “relief” agents are well trained to get a prey, just like the door-to-door vacuum salesmen does. Same sweet and polite talk. Their job is not help anybody but make a commission from a (bad for you) deal. They do the best to make you feel bad and guilty. Don’t believe all the misleading calculations, lies and twisted statements.

I am not in the best situation right now but was there before. Sometimes things just happen. But not as Steve told me that: “you live lifestyle you cannot afford”. Such a jerk comment from somebody who’s declaring to help. Believe me, you may be able fix it on your own without guys like this.

What a scam! If they had their clients best interest, they wouldn’t deplete your account to pay themselves before the creditors. Then they call you with unrealistic terms! One of my debt arrangements was for 700+ per month on top of the 500 I deposited monthly. If I had 1200+ extra a month, I could’ve managed my own debt.
Trust me folks…do not get involved with this company!

I cancelled my membership and was subject to withdrawal from my bank account of almost $600. DO NOT USE THIS SERVICE!

THIS COMPANY DOES NOT KEEP COMMUNICATION WITH THEIR CUSTOMERS. I HAVE BEEN UNDER THE PROGRAM WITH THEM FOR OVER A YEAR. HAVE SENT THEM SEVERAL COMMUNICATIONS WITH NO RESPONSE.
I JUST RECEIVED A LAWSUIT FROM ONE OF MY CREDITORS SINCE THIS COMPANY DID NOT CONTACTED THEM. NOT VERY PLEASE WITH THEIR SERVICE. HORRIBLE HORRIBLE SERVICE.

Reading the complaints, now I see it wasn’t me, because sometimes. I expect more from a company, but what really upset me ,was this person who answered the phone and he pretty much said you handle that .We only have limited power of attorney. I was trying to explain the problem, but all he kept saying was “ DID I ANSWER ALL YOUR Concerns! I said yes because I knew he didn’t hear a word I said , and could give a crap less.

Consultant wanted me to contact him everyday he said, until I️ paid then he didn’t want to hear from me. It’s been two weeks haven’t heard nothing. You can do it on your own for free. Same results! This is a scam and the BBB should put them out of business, by giving them an F+, for putting their costumers in greater debt.

Do yourself a favor, if you were ripped off like me by National Debt Relief, submit a complaint to ConsumerFinance.Gov. My lawyer counseled me on this. When I called from my job, they did not disclose they were a for profit agency, I had to ask them. They did not tell me the percentage that they would take as profit. I did not learn that until about 3 weeks ago when I demanded to know the profit they took. Their answer after a long time of questioning was they took 25% off the original debt for themselves. When I said that I did not know this. Their response was : “it is in page 3 of the contract.” I could not find this information anywhere nor it was said to me. The representative who enrolled me Berlinda C only said ” We take a small fee” but would not specify the amount. So far, they have taken from me $2,500 and my creditors have hardly seen any money. When a settlement is negotiated, they take everything they have taken from my account for themselves and on top of that charge about $60 monthly extra in order to make the payments to the creditors. I find this sum exorbitant. I now closed my account with them because I have realized the rip off that this company is. I have lost $2,500 for their profit.

Such a scam, they make you believe they’re helping you but in reality they are ripping you off. They are charging you for something you can do on your own. There is nothing special about this company, please don’t waste your time and money. Wish someone told me this before I signed up. I never write reviews but I feel so strongly about this that I had to try to stop someone else from making the same mistake and sign up with National Debt Relief.

Great company to work with. Very quickly addressing and resolving issues. Always communicate with you and are respectable.

I’ve only been in the program a few weeks. I’m rather disappointed with their csr. At first they treat you like you’re golden and give the impression that they actually care. Once I signed up I tried reaching out to the lady who originally helped me,she completely ignored me and has not replied to any of my emails. It just feels awful being tossed to the side like garbage after initially being treat with attention and support.

Shady. I have to work with these ” yahoos” daily as I am a debt collector. They will not accept the guidelines set by the creditors to provide settlement options to their clients. They INSIST that I take very low and unreasonable offers to creditors and even if I manage to get them approved then say THEY have to get them approved before paying out. I feel if you are making an offer to settle, it is only fair that you can fund the settlement instead of jerking around. It’s a waste of everyone’s time and is unethical. You can’t make offers to creditors that you can’t fund!

You always speak to someone different and they all tell you something different! In the beginning it was all good, then when my circumstances changed, I was told LIE after LIE! Especially when it came to getting my money back! I do not recommend!

Very helpful. Transparency was provided .

Guy who signed me up was professional BUT dealing with the company afterwards was a complete run-around. Transferred 5 times and not given an honest answer. Had to call back and confirm my exit from the program. Then asked personal questions in a resell attempt. Mailing address given to submit cancellation request to is NOT a valid mailing address. Percentage higher than advertised – 23%. Customer service transfers you immediately somewhere else – couldn’t even finish my sentence. Very shady.

So I called National debt relief some man by the name of eric was you can say helping me out . Once I was into the phone letting him know my problems he cut me off and told me he knows no one or and him himself couldn’t help me at all . I didn’t even get the chance to even let him know everything that was going on . That was such a waste of time and I’m here so anyone else shouldn’t waste their valuable time on people that don’t care for their customers ! Happy holidays and suggest to keep away from National debt relief especially eric could have gave his last name , but clicked on me before I could have even got it.

National Debt Relief recently refunded part of the money that was saved in my account before I terminated my agreement with the company. I found this action on their part to be quite surprising and very much appreciated. This leads me to believe that they do have the best interest of their customers at heart. I have chosen to work with another company in becoming debt free and am very thankful for the services provided to me from National Debt Relief.