Should I Stick with National Debt Relief and Lexington Law?


Dear Steve,

I written to you back in February about using debt settlement company (NDR) and Lexington Law to improve my credit score. At the time of my writing l was in my second year with NDR. I had file for bankruptcy in 2007 and in 2011 after being released from a rehabilitation center (due to a brain mass) I can home to find I had to move. The expense I occured with moving was just the beginning of my problems. After being in my new place for a year, I had to move again, due a foreclosure on my renter. That when high interest payday loans, store front payday loans along with credit debt can in. I was $ 21,000 in debts. My credit score was 517. I still had bankruptcy on my credit report and no savings. I didn’t know or not if I could file for bankruptcy so soon.

Should I continue on with the debt settlement company (NDR), since most of my accounts has been settled. I only have three more account to go. One payday loan for $2,500 and two credit cards Chase for $2800 and a small balance of $800.

NRD have been up front with me from day one. I did had to stop paying my creditors, but I was all ready in the red with them any way. I did had to wait 3.5 months because I had no money to put towards my debts. I have received one 1099 from a loan creditor this year. After reading of the information regarding debt settlement and they may try to collect make me nervous. What your opinion, since I’m only have a year possible to go.



Dear Josephine,

I believe this is the question you previously asked.

It is impossible for me to answer your question with the information given.

I stand by my previous answer to you.

Deciding to stay or go is really dependent on your current situation and your future goals. It sounds like you’ve made progress with your debt so far but now that you are in the middle of something I would not suggest making any rash decision without fully investigating your current situation and goals.

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I’d suggest you talk with an independent debt coach like Damon Day or Michael Bovee to discuss your overall situation and come up with a plan to address it. That plan might be to stay the course or take some other option.

My primary concern at this point is making sure whatever situation you are in that you are saving money for an emergency fund so another quick setback won’t drive you back towards payday lenders.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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