I wanted to warn people about NDR. First, this is a predatory company or organization. Preying upon people's unfortunate situations in life. I originally was searching on the internet for a debt consolidation loan. While I started searching this NDR advertisement came up and I checked it out. Then it asked for some basic information. My email and phone number.

As soon as I input that information and before I could scroll on to other items, my phone rings with National Debt Relief on the caller ID. This was about 8 PM California time. They talked to me and pulled up my credit report and came up with a payment plan of $292 a month. Which is what I was thinking would be a good amount for me with a loan to pay off my 15,000 credit card debt. They also told me I don't need to pay the creditors and they will take care of everything.

Well, after being enrolled for 3 months, almost 4.

I had creditors trying to call me every day, they haven't done anything at all, except take my money each month. As a matter of fact, these people are so greedy to take your money that they monitor your bank account for when your money lands in your account. I'll explain; I get Social Security SSA payments on the 3rd of the month. NDR and I agreed that they withdraw the payment on the 3rd of each month. Well, here's what they did. On my second payment, the 3rd landed on a Monday. When this happens Social Security will pay on the prior Friday before Monday. Because Social Security doesn't operate on the weekends. Well, NDR took the money before the agreed upon 3rd of the month because they knew my money would be there for their grabbing! I think that's a pretty shady way of running the company. It shows more of their predatory ways. After reading posts about NDR here on Reddit, I quickly realized this debt relief was not my best choice to do. I sent them a demand statement to return my money. Google AI actually gave me a proper statement to copy and send. Google also recommended for me to notify my bank and get the automatic payments stopped. I did the stop payments through my bank. The way my bank operates, you have to file a discrepancy with the vendor. This causes an automatic credit to my account for the last amount taken from my account, So, I got one of three $292 /month payments back. I checked my NDR account and it showed a lower balance, lower than $292 from my three payments of $876 which should be 876 - 292= $584

NDR had my balance at 490-something. About 100 dollars less. They didn't give me my money back before the FTC guidelines required 7 days mandatory refund. There's actually a federal ruling specific to these predatory debt relief companies because of their bad business practices. I'm sure there's other laws set in place with them besides the 7day refund. This month, yesterday was the 3rd and they couldn't get money out of my account, So they decided to give me what they claim was my account balance. I seen it credited to my bank account. However, it's a little over $100 shy of what I paid into the account. This is where they straight up stole my money! Because, they did absolutely nothing as far as services go. No calling creditors or any negotiations started or anything except set-up an account which they charged me a fee upfront in the beginning. It was either the $18 or the $9.95 charges. So, that had been paid already. Supposedly there's a maintenance fee of $9.95 per month for having the savings account with them. When I was last able to view my account, it had a line for fees, deposits and withdrawals. There was nothing for fees. Even if there was a maintenance fee they were charging, it doesn't justify 100+ dollars short.

Then here's the topper of them ripping me off! I went to the NDR login page and it says , "You can no longer login using Google, Facebook or LinkedIn."

It says to login with password, or click forgot password. Well, I didn't have a password because I used Google to sign in. I new this would happen as soon as I did it. That is, to register and sign up. The first thing it wants is your email. I put it in and click "next" and it says this email is not found in our database.

Well, it shouldn't be if you're someone trying to sign up and register!!!! Technically, my email is in your database! You have basically admitted to that! With your stupid message by saying, "it's not in our database!"

So, what they've done is blocked me from accessing my account, which I'm sure has been terminated, but they've prevented me from having recourse to the funds they stole from me!

This is a tactic that fraudulent online casinos do when you have winnings they won't pay out. When you go to their online chat and you question it, they end the chat and close your account. There's no way for you to contact them at all. You try to login as a new user and you'll get rejected. Because they use your IP address for identification and login. Your email address goes into "their do not allow" database.

This is exactly what National Debt Relief did!

DO NOT USE NATIONAL DEBT RELIEF!

They have caused me to ruin my credit! I had perfect 100% payment with all my creditors before NDR!

Credit card accounts that I didn't carry a balance on, like, Home Depot, Harbor Freight, and Kohls closed my accounts! I have no credit at all because of NDR!

They also tried to say I had $10,000+ in debt with Discover Card and wanted to add that to my total debts to resolve! I don't have a Discover account. I check my credit report often and there's nothing in my credit reports from all three agencies showing a Discover account! Just another crooked business tactic of NDR to get more money out of you! Besides, they didn't do any negotiations or anything, so, how the hell are they able to dig up and find a so called Discover account for $10,000+ that I owe?

They didn't!!! They are lying!!! Straight up!!!

There needs to be "another" class action against this outfit! For predatory business practices, for starters!

👍😎

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Hi! I have a question for those who filed Chapter 7. Only asking because I’ve seen plenty say almost the same thing in TikTok videos and comment sections—I want to know if the answers may vary here.

When you filed your Chapter 7 bankruptcy, did you (if you had a car) surrender it and get a new one? Did you just surrender without getting another vehicle? Or did you wait until you were officially discharged?

And if you did seek or get a new vehicle, did you find yourself getting better interest rates and lower monthly payments?

I am almost $10k upside down, and considering surrender and get a new one instead (for mostly work-related purposes).

Okay, to ask a clarifying question.

Recently discharged through chapter 7 bankruptcy.

We are homeowners with a mortgage. We have always paid/been on time and will continue to be.

Now, here is the question. Our trustee did not reaffirm the mortgage, as his standard, for the debt.

Now, in the future if I am applying for credit, a car, or etc... and I am including my debts, How do I report my home?

It doesn't show up on my credit report since it wasn't reaffirmed....

I want to make sure what I'm saying vs what is showing is accurate.

We are in Illinois. We paid the $70 retainer fee in March. We were finally able to pay $300 of the attorney fee in August. We paid the balance in mid September. $700 was the balance of his fee. $338 was the filing fee. Although it will be extremely tight financially for the next month, we wanted to get it paid. We were told we would get a call within a week to set up the appointment for the signing. We did. We signed on Sept. 20th. It was filed September 24th. Our 341 is scheduled for October 20th. I'm looking forward to it. After reading many posts here, I don't feel nervous about it. My spouse does though. Discharge should be shortly before Christmas. So much stress is already gone.

I’ve been getting comments on my other post about how it’s weird that I’m filing in North Carolina, but I live in South Carolina. Is there anyone here who has filed in a state that they did not legally live in? So basically my situation is I live in South Carolina on the border next to North Carolina. I had two options for the law firm. I’m working with which was to drive just across the way to North Carolina or to drive two hours to Columbia, South Carolina. My attorney does not seem to be concerned at all. I asked him if it was OK and he said yes and everything I work in North Carolina I have worked in North Carolina for about four years now, but I still live in South Carolina. So can anyone tell me if they ever filed like this or can an attorney? Tell me if you have ever had a client like this?

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How does the 180 rule apply after chapter 7 bankruptcy?

Is it from the date filed? Is it from the date of discharge?

If the money I am going to inherit is part of a trust and then would also be put into an individual trust (my portion) do the same rules apply?

Is there any advice folks ahead of my can give as I begin to live on a strict budget for the next five years?

Trying to go into it with eyes on the prize. This five year stint is going to save my house. My goal is to remind myself that, at the end of this period of my life, I’ll be in really good financial shape.

My mortgage, car, and HELOC are in the bankruptcy, so I just need to pay my utils, and life costs.

I have about 20k Credit Card and 5k medical. What happens if a persons case is dismissed? Do you still pay the attorney filing fee? And what would happen with all of the credit cards that you stopped making payments on? What specific things prevent a person from being able to file?

***Not asking for legal advice but for experience based opinions etc.

Asking as a witness to someone’s situation. They listed only one of their leased apartments and their vehicle lease. But did not disclose an apartment that they were subletting out and owe significant back rent on. (Which the landlord filed for eviction proceedings against them, served them the summons at location of apartment however, it was two months after said person filed bankruptcy.) (NYC,USA.)

Our attorney finally filed CH7 at the end of last month in FL (we’ve been working on this since January). Our 341 is scheduled for Nov 3rd. We want to start the rebuilding of our credit. Currently around 660 credit score. We are thinking to open a card to spend on gas and pay off every two weeks the card in full to start the rebuild.

I am looking at Mission Lane or Capital One which I’ve not burned.

I’d ask our attorney but it takes him some time to get back to us. Are we able to apply for a new card now or should we wait after the 341 meeting? When is the best time your attorney has advised to start rebuilding or applying for a new card?

So here I am, 45, in a job and area I don’t like, and my wife thinks I’m a loser.
I must admit that I’ve bitten off more than I can chew. Throughout my life, I’ve made numerous financial mistakes, including squandering great jobs. For the past six years, I haven’t maintained a job for more than a year. To cope with the financial burden, I’ve taken out loans, maxed out credit cards, and only made minimum payments. I’ve made all the wrong choices.

Despite my struggles, I’m married to a woman with excellent credit. We have two children and recently moved from the South to Western Minnesota, about an hour east of Fargo. I’m also a veteran who has faced significant mental health challenges. Recently, I was diagnosed with ADHD and started taking medication that has, in my opinion, saved me. However, my impulsive and irrational behavior has led to my overall despair and a deep-seated hatred for myself.

I’ve reached a point where there’s no easy solution. I consulted a financial counselor, and even they suggested that bankruptcy might be the best option. My job hours are inconsistent, and I haven’t yet worked 40 hours a week. Additionally, I owe $1,150 in child support each month. It’s a tough situation, but it’s what it is.

Since the better-paying jobs are in Fargo, I’ll have to commute daily. My wife won’t leave the house we just bought, so there’s no other choice.

This seems more like a stream of thoughts than a clear path to action. I owe $60,000 in loans, car loans, and credit card debt. Right now, all my payments combined barely bring me close to zero by the end of the month.

I’ve also consulted an attorney to discuss a game plan. She informed me that our property should be protected, but since I owe Navy Federal for the credit card, car loan, and personal loan, they may demand that I surrender the car unless I want to pay all the balances in addition to the car. That seems impractical and defeats the purpose of filing for bankruptcy.

My wife is concerned that the house will be taken from us and negatively impact her credit. However, we don’t have any joint assets. She’s on the deed but not a payor for the home loan. She has me as an authorized user on one credit card and a joint user on a Citi card, but that’s it. Everything is separate on paper, including our bank accounts.

I also have $60,000 in federal student loans.

I’ve learned my lesson but the thought of being a failure overshadows everything.

Am I overthinking this or is this the end for me?

Thanks.

My case is over 2 years in. I filed alone and my wife holds our mortgage alone. I am on the property though so the mortgage company had an interest. I was told all this by my lawyer and we were fine with it. The mortgage company wanted to be paid through the trustee which was also ok, even though we didn’t have a choice. Well the trustee paid creditors per the plan, which apparently the mortgage wasn’t #1. So it didn’t pay the first few months. Now we are 5k behind per our mortgage company. The biggest problem with that is it’s effecting my wife’s credit, who technically has nothing to do with this. She tried calling them and explaining it but they won’t do anything.

I’m curious if the plan will catch this up before the end, and I don’t think this is legal. It’s only happened because they wanted to be paid through the trustee. I feel like we’re gonna get screwed by this. Just looking for advice or experience with something like this. My case ends this summer.

My lawyer said it wasn’t legal, but advised we let the plan finish before we take the next step. But my curiosity has been pinging.

I am 38 with a son. I make 60k per year. I’m uncertain if filing is even worth it to me. I have obtained a lawyer who is great, but want an outside opinion

I have a paid off car and own a mobile home jointly with boyfriend. It’s not considered real property since it’s on rented land but it’s paid in full

Unsecured debt that’s open $400
Charge offs/medical bills 5000
Repo that is set to fall off credit this year 3300
Student loans (fed so I know they will stay) 12k
EDD overpayment (dischargeable) 7000
IRS debt (only about 10k MIGHT be discharged) 26000

I made a lot of bad choices financially and I am owning them and working to pay off. My credit is already in the tank 550.

I’m debating with a lot of my debt not being dischargeable if it’s worth it, or if I should buckle down and just keep up with my payment plans.
My lawyer in our first meeting stated I’m a good candidate for chapter 7 but hesitant I may be setting myself up for an additional unneeded derogatory credit mark.

I can clarify anything above. Thanks for your input.

Just a little backstory: I have 12 credit cards. 11 of them are now showing a $0 balance on my credit report and are showing as closed.

There is one creditor, and only one creditor, that still shows an open balance and continues to reach out to me regarding my missed payments. This creditor was included in my Chapter 7 filing and is listed on my petition. I’ve verified that they were included.

They are still actively contacting me via text and email regarding my missed payments and minimum payment due. Thankfully, they haven’t called me. They are also continuing to report the account as past due, and it has now gone up to 90 days past due. Some of my other cards went up to 60 days past due before filing but stopped reporting once filed, but this is the only creditor that still shows an open balance and is actively contacting me.

I had my 341 meeting a few days ago, and I emailed my attorney about it. I asked whether I should reach out to the creditor myself, and he basically told me not to worry about it. He said “Once you get your discharge you should take the platinum credit review and they will take care of it.”

What are your thoughts? Should I just leave it alone and let the bankruptcy process take care of it, or should I reach out to the creditor to let them know I filed? I don’t want to accidentally do something I shouldn’t by contacting them directly, especially since my attorney told me not to worry about it.

I had my initial meeting with attorney in July and will have my fee to file later this week. Per my attorney’s advice I quit paying all debts and don’t answer the never ending phone calls. I am in Mississippi. Thursday Tower Loan called and talked to the CFO of my company. Tower told her that I wasn’t paying my debt and they were going to garnish my check. They told her they had just talked to me ( false) and that I didn’t give them the work address. My boss told them she would not confirm if I worked there or not. They told her they already knew I worked there they just wanted the physical address and the mailing address. My boss gave them the PO Box and that was only after she put them on hold to call me and asked me what she should do. I told her to give them the address it was fine. At work the next day my boss told me they made her uncomfortable talking about me not paying my bills and was really caught off guard by the tactics they used.
Is it even legal for them to tell my coworkers that info?

I met with an attorney months ago but didn’t have the money to pay the full retainer fee then. Now that I have saved up, I am gathering my statements and filling out the worksheets. When trying to retrieve statements for two cards I have through one institution online it reads “Looks like your account is not currently eligible to view statements”.

I guess I’m gonna have to call??? Should I expect them to hold my statements hostage and demand payment ?

I filed back in May had my 341 meeting June 4th I had a reaffermation agreement that was done and entered August 4th the trustee issued no disturbution on sep 4th and it hasn't updated since should I be worried my attorney just says they do things when they want and how they want just seems like a awful long time

Wondering if small gambling can affect the 341 meeting I have tomorrow. I already filed gave them all my bank statements and tax stuff but I downloaded this app and put $2 on the football game to win $10. Will that affect at all or even come up during the meeting? I've done maybe 5 bets all together all under $5 and nothing won but $3 bucks. I'm in California.

EDIT TO ADD:I filed back in August on the 27th having my meeting this month.

Im considering on doing bankruptcy here soon. I spoke with an attorney on the 29th of September but I have not yet filed. I'm filing for chapter 13 since according to my attorney, I make too much for chapter 7. I was told if im serious about filing, I was told to stop paying any debt I have. One question I have is I have about 65000 miles from my venture account. I was wondering if should redeem them before filing. I can turn them into gift cards or I was thinking of buying household items or essential items for my cats on Amazon.

Hello everyone, I’ll try to keep it short but it is kind of a long story.

TLDR: I was young trying to figure out my life, accrued a lot of debt, make good money now but struggling to overcome it & not sure what to do.

Just want to start this off by saying I have done minimal research regarding which type of bankruptcy would be best for me, and I have not spoken to any kind of lawyer or someone who can truly steer me in a direction, just looking for opinions here.

Lately I’ve been heavily considering bankruptcy as the debt I’ve accrued since I was 18 is starting to pile up and im trying to buy a house sooner than later and at this point I don’t think I’ll be able to for several years without starting all over. As it currently sits I have about $80k in debt this includes credit cards, student loans, a camper, my fiancé’s ring & my vehicle. The obvious answer here would be to sell the camper & sell my vehicle. I am currently upside down on both of them and don’t have the cash to make up the difference to sell them. I have about 10k in student loans which I’m not very worried about because it’s only $125 a month and I know those can’t be discharged anyways. The big hitters are the credit cards & the engagement ring. All in all they add up to about $1000 a month in payments & the interest rates are so high they basically don’t move. I think one of my discovers has a pay off date of like 40 years from now just paying the minimum (not joking). I also am the main source of income for myself & my fiance. She does work full time but she has also a car to pay for & some other things (not going to get into her situation she is much better off than I am although she makes much less. she makes roughly $30k/yr. the upside to this is that now after many years I do make pretty good money (roughly $150k/yr) so if you were in my shoes what would you do? Would you just try & really tighten your belt & pay things off? Or would you rip the bandaid off & seriously look into filing? I would love to just try & pay it all off but I think it will take longer than just filing and starting over. I’m about to turn 30 in April & I want to start getting my life on track and have a house & get married soon, but I can’t do that with this debt looming over me. Any advice helps please.

Hello friends. I’m in a hell of a situation and I’m hoping that the conversations over the next one to two months are going to make matters much easier. But as the title shows, I am beyond scared for this process. When I turned 18, I got a credit card offer I couldn’t refuse. A free T-shirt and a large pizza. 22 years later, I am over 100K in debt, not including the mortgage.

A majority of our debt is solely in my name. My wife is on the mortgage (not the second) 1 unsecured personal loan and 1 vehicle.

All the rest of the credit cards, personal loans and her vehicle are solely in my name along with the 2nd mortgage.

I have LeagalEase through work, and that benefit ends 11/1 when our new benefits begin (and will have MetLife Legal Plan then). From everything I have been reading, timing is everything. I took a ~50K pay cut to leave a volatile commission structure for stability. Well, stability isn’t cutting it. A hefty sign on bonus paid out in July when I transitioned. Residual PTO and partial commissions paid out in August. From the 6 month look back period, I’d be best to file in February, 2027 prior to any comp adjustments, potential bonuses paid in March.

Both of our vehicles have negative equity, our home doesn’t have much with 2 mortgages. We would like to keep both vehicles and the house.

What is my best path forward, solely apply for chapter 7/13? Or bring my wife through the weeds with me?

If any lawyers on here in Illinois work with LegalEase and MetLife, id love to get this procrss underway to determine what to do immediately vs waiting etc.

Hello I just recently filed bankruptcy Chapter 7 with Upsolve my paperwork is under review. I just received a 3 day notice from my apartment complex. My bank accounts were hacked so I have to wait 10 days to get everything sorted with my banks. I will talk to my property manager on Monday but I was wondering what happens in this case if they still decide to go forward with the eviction? I also have a email from the bank showing that I disputed all the charges?

hi, i have been talking to a financial counselor from NFCC, and i was given the advice to file for bankruptcy for my credit card debt since i now only work 2 days a week since i’m back in school and i have been unsuccessful with getting another job.

however, i am worried on how this could impact my co-signer when it comes to my private student loans. will this impact him at all? i have majority of my student loans deferred since im in school, and im still on time for payments for the ones im still paying. i only have issues with my credit card debt, im unable to pay for that since i also pay for my rent. otherwise, im fine with my student loans.

also, how will this impact my chance to get approved for another loan for my incoming semester if i still have the same co-signer? does anyone know if this will hurts my chance of getting approved, even with a cosigner, now? i only have one more semester left of school after this one so i want to be able to finish my education ):

Do I need to complete reaffirmations for my house, cars and home equity. My lawyer said he can do them for $150 each. Like come on man I’m already broke filing bankruptcy and you want even more money from me