Consumer complaint received 2025-03-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: MA

Complaint narrative:
I signed up with National Debt Relief to consolidate my credit card debt. On XX/XX/XXXX I signed a contract with NDR to include all my credit card debt, and began making payments of {$410.00} per month starting XX/XX/XXXX and have been making monthly payments ever since. During the initial phone call I asked the representative if my monthly payments would ever go up and I was assured it never would. 

In XX/XX/XXXX I received an Attorney Referral Pending letter from XXXX. I called NDR and was told not to worry and to send them anything I receive from XXXX and that they are working on it and not to worry. So every time I received anything from XXXX I forwarded it to NDR along with a phone call to confirm they received it. Their response always was don't worry, we're working on it. 

On XX/XX/XXXX I was served with court papers by a sheriff at my home. At that point I was beyond panicked. I felt at this point that NDR was doing nothing to reconcile my debt, and had no assurance that they were acting in my best interest. I again called them and was once again told not to worry they are working on it. 

When I signed the contract I paid an additional amount to have legal representation in the event the XXXX forbid something happened to warrant it. I can't begin to tell you about this lawyer, XXXX XXXX. I asked XXXX to send me any/all paperwork submitted on my behalf. Mind you no one has been contracting me with any updates. What I received was submitted paperwork to XXXX XXXX XXXX that I never saw nor given answers to. It was dated XX/XX/XXXX. She also sent me Interrogation Paperwork going to XXXX XXXX XXXX. It was called Plaintiff 's request for Admission along with Answers to Interrogatories Propounded by the Plaintiff to the Defendant. I answered all questions along with submitting a Statement & Exhibits showing clearly a Breach of Contract on NDR 's part. I sent all the forms to XXXX. I then received via email ( never a phone call ) from XXXX stating " these are the answers I will send to the Plaintiff 's Counsel once I have your approval ''. She attached the same questions only with her version of answers. I was beyond disappointed again that my representing counsel had changed all of my answers & taken out my Statement, Answers & Exhibits that I wanted submitted to the court. I emailed her back and told her to please submit my response along with anything else I sent her regarding this matter. A few days later I received an email from XXXX that she was leaving the Law Office & she told me I would be working with Attorney XXXX XXXX. I then emailed XXXX to please forward me the paperwork submitted to the court on my behalf. Yet again I was shocked to find that XXXX submitted her answers on my behalf. 

Once again NDR and their attorney do not have my best interest. I have much more documentation showing misrepresentation, I.e. sign a No Ability to Pay ( which puts the blame on me ) and a Homestead Act.

Basically I signed a contract with NDR stating that {$18000.00} is my contracted debt amount. Now I'm being told I owe an additional {$18000.00} to XXXX. They doubled my debt. This has caused such hardship in my life. Mentally, physically & financially. They have beyond put me in a hole that I am unable to get out of. I owed XXXX {$14000.00} when I signed the contract. Now I owe them {$18000.00}??? and it will continue to increase. 

It's clear they have not been representing me nor communicating with XXXX to resolve this on my behalf. You would think where they are making 25 % on every contract they would hold up their end. 

They have falsely answered and submitted court documents on my behalf along with breaching their contract with me. They have failed to negotiate the agreed upon contract. They used unfair and deceptive practices misrepresenting the terms of the contract. 

As a XXXX person ( which they knew upon signing ) I don't have the money to pay this. When you sign up with a debt consolidation firm you no longer have any credit, no credit cards & can not get approved for any type of loan or help which I need now for an attorney at this point. 

Also in reading reviews last night on Nation Debt Relief I'm OUTRAGED to read that I'll be receiving a 1099s Tax Form for " forgive portion of debt ''. The IRS somehow counts that as income? 

In closing I am reaching out to you to expose this large company that does not follow through with their contacts and leave the consumers such as I in worse shape than I would have been had I not contacted them in the first place. I greatly appreciate you taking the time to read this. If there is anything you could do to help me with this matter please contact me. 

Thank you

Company response to consumer: Closed with explanation