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I Might Have Fallen for the National Debt Relief Hardship Program. – Pam

I received a letter much like what Ive seen here on your website.

I may have gone too far with them and given them too much info. Especially if they are a tricky collection scam.

Not sure how to proceed.

I have fallen behind in my credit card payments for one card do to an unforeseen medical problem. I am starting to get back to work, but am so far behind Im not sure how to recover. That desperation is what lead me to open that letter. Now I dont know what to do.

Pam

Dear Pam,

I’m always suspicious when someone is sending you a marketing offer to deal with your debt.

What did the mailer or call with them promise you?

Let’s start with the basics.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

After that, come back here and comment about what seems to make the most sense and let’s discuss that.

Does that sound like a reasonable approach?

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
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.
  • Pam

    is that an okay choice to make for someone like me, or not?  

  • Pam

    He said with a onetime payment of $500 and something and monthly payments of $300 and something Id be out of debt in three years.  Said an attorney is hired to settle my  case and sometimes they are settled earlier than 3 years..any balance in my acct would go back to me.  Im suspicious, too.   I dont want to make a mistake.  I will read your recommendations but I need advice..good sound advice..quickly.  : / Thank you

    • http://GetOutOfDebt.org Steve Rhode

      Sounds like an advanced fee debt settlement pitch.

  • Pam

    He said with a onetime payment of $500 and something and monthly payments of $300 and something Id be out of debt in three years.  Said an attorney is hired to settle my  case and sometimes they are settled earlier than 3 years..any balance in my acct would go back to me.  Im suspicious, too.   I dont want to make a mistake.  I will read your recommendations but I need advice..good sound advice..quickly.  : / Thank you

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