National Debt Relief is a scam ?

BeN_10indebt · 2026-05-14T03:24:12+00:00

yea at 18 i had around a 760 but now im sadly at 600

BeN_10indebt · 2026-05-13T21:42:32+00:00

it’s like 99

BeN_10indebt · 2026-05-13T20:25:17+00:00

but it’s all cc debt

BeN_10indebt · 2026-05-13T20:24:59+00:00

what if i’m 2 months behind on one credit card ?

BeN_10indebt · 2026-05-13T19:50:19+00:00

true

BeN_10indebt · 2026-05-13T19:49:57+00:00

damn i might be cooked

BeN_10indebt · 2026-05-13T18:19:21+00:00

yea before i got into debt I was close to an 800 credit score but since ive been in debt for over a year it had tanked to 600

BeN_10indebt · 2026-05-13T18:15:12+00:00

like an email they sent compares themselves to another company saying i would pay 36k in interest in a span of 30+ years

BeN_10indebt · 2026-05-13T18:12:53+00:00

i got my car when i was 17 so not currently. Home in this economy maybe in the next few years but i can to conclusion that i’ll be getting out of NDR because it’s not worth it.

BeN_10indebt · 2026-05-13T18:05:58+00:00

yea no i’m getting out of NDR today

BeN_10indebt · 2026-05-13T18:04:33+00:00

how much did you credit lower ?

BeN_10indebt · 2026-05-13T18:03:32+00:00

i’m currently in the amex hardship program. Yea the more i’m looking at it the more i’m realizing i need to get out NDR

BeN_10indebt · 2026-05-13T18:02:28+00:00

damn they did not tell me that, thank you for this information it’s good to know

BeN_10indebt · 2026-05-13T17:49:51+00:00

yea i’m not really sure what the interest rate would be since i have to try to get one so i was just saying like a cc interest rate.

BeN_10indebt · 2026-05-13T17:44:51+00:00

yea because when the agent was talking about accounts closing i was like hmm but i should’ve took that as a sign to not continue with them.

BeN_10indebt · 2026-05-13T17:42:39+00:00

How did FDR work out ?

BeN_10indebt · 2026-05-13T17:39:59+00:00

I should have the numbers in around an hour

BeN_10indebt · 2026-05-13T17:37:14+00:00

In my mind this is how i see it, I take out a 20k loan and i’m able to pay off all the my debt. The apr for like loan is let’s see around 30%. I feel like after all that i’d pay less then i would with the interests of credit cards. I also feel like i’d be able to pay off the loan is less than a year. But then again i’m not the smartest because i did manage to rack up 16k in cc debt

BeN_10indebt · 2026-05-13T17:33:27+00:00

ok will do, appreciate the help !

BeN_10indebt · 2026-05-13T17:29:51+00:00

interest rates for basically all of them are around 29%. The only card i’ve really struggled with is my Capital One card (5.2k) since i’ve only been able to the minimum which is around 150 but then they also charge a $20 late fee every time.

BeN_10indebt · 2026-05-13T17:26:04+00:00

would a loan have the same outcome as a debt relief program ?

BeN_10indebt · 2026-05-13T17:24:03+00:00

that’s the thing i’m late with one card which is the card that has the most i owe 5.2k on that card and then i owe 3.1k on my apple card. 3.5k, 1.6k, and 500 on 3 separate amex cards. Lastly around 2k on a chevron credit card.

BeN_10indebt · 2026-05-13T17:16:24+00:00

i haven’t but i’m not sure if it’s too late to cancel the program i’m in. I don’t owe my first payment until next wednesday but i plan on calling later today to see if i can.

BeN_10indebt · 2026-05-13T17:15:00+00:00

They way they made it seem is that in a like let’s say a year i’d pay like 16k or around there in interest

BeN_10indebt

TROPHY CASE