u/MoistBasements

Hi everyone. I am around 45K in debt due to financial hardships and not having a good source of income. I have joined National Debt Relief to help me pay it off easier. However, after reading a lot of different comments of people saying it’s a scam I am nervous about joining and considering leaving. For the people that have joined it or are currently apart of it what is your experience like with them? I know my credit score will take a massive hit which I am fine with because I am not trying to take out anymore loans or start any new credit accounts. I have tried negotiating with them directly but they just said tough luck. I would greatly appreciate some advice or your experience with them. Thank you!