The second you get involved with National Debt Relief, you will regret it. All they do is harass you more and push you to pay off your debt with them. I had more trouble with them than the debt collectors that were contacting me before I came to them. When I call to discuss my financial situation with them, I get rude comments about my debt and constant questioning on why I cannot pay. Be careful in giving them your account information too. If you do not talk to them about your payments before you are supposed to pay something off, they will just take your money.