National Credit Relief Bureau NCRB BEWARE OF HIDDEN FEES!!! Plantation, Florida

This is a false Claim!


We are an honest Company. Any questions or concerns please call me with any questions Barry W. Medina

View this video on the BBB (Better Business Bureau 20/20 Investigation)

http://www.youtube.com/watch?v=Yo8kfV9kONw&feature=player_embedded


NCRB

National Credit Relief Bureau we are FTC Compliant


What is Debt Negotiation or Settlement?

Debt negotiation or settlement companies provide consumers with a method of debt resolution known as debt settlement. Debt settlement is an aggressive method of debt resolution that depends on the willingness of creditors to negotiate, and the ability of consumers to save sufficient funds prior to beginning negotiations.



Will this strategy work for me?

While the Debt Negotiation Plan approach is not suitable for everyone, its flexible nature makes it applicable to a wide range of financial circumstances. For individuals and families seeking an alternative to bankruptcy, there is simply no better option to get out of debt. Here are a few guidelines to help you determine whether or a Debt Negotiation Plan is something
you should consider:

Do you have a legitimate financial hardship condition? Most debt problems are caused by loss of income, medical issues, and/or divorce/separation. These are legitimate financial hardships that can happen to anyone through no fault of their
own, and any one of these circumstances can wreak havoc on a household budget. The important point here is that a Debt Negotiation Plan system is not a "free lunch" for people who don't feel like paying their bills. If you are over your head due to a hardship situation, and you would prefer to work things out with your creditors rather than declare bankruptcy, then Debt Negotiation can provide an honest and ethical debt relief alternative.Are you committed to avoiding bankruptcy? Debt Negotiation is best viewed as a bankruptcy alternative, one that allows you to keep control over the process and
maintain privacy while working through your financial difficulties. As with most things in life, success is determined by your level of commitment to staying the course, even when hurdles get in the away. The road ahead can be a little bumpy and if you are likely to give up at the first rough spot, then debt settlement is probably not the best choice for you. But if
you are determined to find an alternative to bankruptcy, Debt Negotiation will likely be the most attractive debt solution for you.Do you owe more than $10,000 in unsecured debt? We are the first to admit that Debt Negotiation is strong medicine, and it should be reserved for serious debt problems. While everyone's budget is different, most people can work their
way out of smaller debt obligations. If you only owe $5,000, for example, unless you are really in dire straits you can probably deal with that obligation the old-fashioned way - by paying off the debt in full, over time. In other words, smaller debt loads are more of a budgeting problem than a serious financial hardship. We use the benchmark of $10,000 for
evaluating whether or not a prospective client qualifies for our program.
(Note: Exceptions are sometimes made based on hardship circumstances, so the $10,000 figure should be used as a rule of thumb or guideline.



How does this program work?

Debt Negotiation works by reducing the balance owed (principal) on your unsecured personal debt accounts through the time-honored process of creditor negotiation. This is different from simply reducing the interest rate as with a Debt Management Plan or Consumer Credit Counseling, which do not affect the total debt balance. By reducing the balance itself,
Debt Negotiation provides a much faster means of becoming debt-free. Most creditors are willing to accept 50%, 40%, sometimes as low as 20% of the balance owed in order to close out an account rather than lose the entire amount in a bankruptcy proceeding. From a business perspective, it is a matter of the creditor receiving something rather than nothing, as would be the case in most bankruptcies. Of course, different creditors have different policies, but as a rule, discounts of 50% or less achieved over a period of 18-36 months are common in the industry. As a result of this approach, money that was previously wasted on endless minimum payments (most of which went toward interest charges) goes toward reducing the actual debt balance. Debt Negotiation is the fastest debt elimination method short of Chapter 7 bankruptcy.



What happens to my credit?



The effect of our Debt Negotiation Plan on your credit score will partly depend on your current credit status before starting the program. Few people with debt troubles have perfect credit to begin with. In general, your credit score (usually called the FICO score) will decline during the program, and will begin to improve again after you have become debt-free. There are several key points to bear in mind here. We recommend against applying for new credit while going through the program. It simply doesn't make sense to take on new debt while you're trying to tackle your existing debt problem. So the short-term decline in credit score is rarely a problem for clients. Also, the credit score itself does not take into account the debt-to-income ratio, which is used by lenders (especially in the mortgage industry) to determine whether you qualify for a
home or auto loan. In other words, you can have a high credit score due to a clean payment history (even though it's been hurting you financially to keep up those payments) and still be denied a new loan because you already carry too
much debt. Your credit score will definitely go down while you are in a settlement program, but you must consider what is more important- your score or dealing with your debts. A settlement company can't provide credit repair, score
improvement or help your score in any way, but we can address your debt.
 

Keep Moving Forward!

 

We Keep Moving Forward, opening new doors, and doing new things, because we're curious and curiosity keeps leading us down new paths.

 

-Walt Disney

 

Barry W. Medina, District
Manager

National Credit Relief Bureau | 8050 SW
10th Street Ste 1800, Plantation, Fl,  33324

Office 877-556-6272 | Fax: 954-370-8285 | Direct: 954-650-6926

Web:http://www.nationalcrb.org

IMPORTANT NOTICE: This information is intended for the exclusive use of the individual or entity to whom it is addressed and may contain information that is proprietary, privileged, confidential and exempt from disclosure under
applicable state or federal law. You are hereby notified that any unauthorized copying, disclosure or distribution of this information is prohibited. If you have received this communication in error (or are not an employee or agent
responsible for delivering this information to the intended recipient), please immediately notify the sender to arrange for the return or destruction of the information and all copies.

Firstly whoever sent this complaint  mentions no name or anything that would help me look up the file and respond accordingly.

We not only inform the client, but it is in black and white in the enrollment package  they signed that
we are not recommending that they cease paying there creditors. It also states that there is a monthly maintenance fee.

Without more specific information I can not reply directly to this complaint. For all we know this could be a bogus complaint from an ex-employee as the only other ripoff complaint against us was.