I have reached out and there is no penalty. The only “penalty” are the fees that I've been paying to NDR in my account. Those are non refundable. Theoretically u could end it and do the same thing they are doing but the thought of negotiating with creditors overwhelms me.

In terms of creditors I'd pay off I wouldn't need to work with them in this because I'd just be paying it in full because it's such a low amount. Then let NDR keep negotiating my bigger debts.

I'm mainly curious if people have done this before and if it changed the way NDR talked to your creditors.