<prompt> Human: Hey guys. I recently got in touch with National Debt Relief after talking to a few people down here. The people there were really helpful and helped me lay out a plan to pay off my debt within the next 2 years and 7 months.Presently, I have around 10k in combined debt for all five of my credit cards. They only handle debts that are above 400, which excludes three of my credit cards as they are all around 300 and less, and I plan to pay those off as soon as I possibly can.I was advised rather, told to not use the credit card accounts for which they were going to help me. They said that if I use those cards, or pay off the balance by myself directly to those cards, it causes NDR to lose the negotiation that they try to set up with them.To my understanding, I will make payments of around 230 monthly to an account that they set up for me. Once I have 20 of the credit card debt for any card saved up, they will reach out to the credit card company and negotiate it out.They also mentioned that my credit will take a slight hit its already fairly low due to a lot of issues, but it will start building up within a few months.My credit is low due to the fact that I moved out from an abuse home a year or so ago, and in that time, I used my credit cards a lot to get by. A lot of it was on either eating out, or every day things that I thought I needed.Since I realized how badly I fucked up, Ive stopped eating out, have been monitoring where I spend and how much I spend, and have been trying to over all just lower the debt that I have.I do work two jobs, one at 8.87hr tips at Starbucks, and another at a company that if I have the dayshift 12hr or the nightshift13.80hr. I got both jobs recently and was unemployed for a period of 4 or 5 months and am only recently starting to get back on my feet.My expenses are as follows: Rent: 600month Phone Bill: 43month Car Payment: 299.85month Car Insurance Progressive: 264.85month Cat FoodLitter: 30month Credit Cards Under 400: 75month National Debt Relief: 230month Food: 100month UtilitiesMiscellaneous: 100monthThe total for this is 1742.7, which is part of why I have two jobs.For the present time, I dont really have any means of getting any money in savings since both of my paychecks pretty much go towards paying the above mentioned bills.I guess what Im trying to ask is if this NDR is something anyone has heard of?Edit: I should add that at my primary job, I work around 40 hoursweek. Most of the time Im at 7 overnights3 dayshifts, which without tax, is 1060.80, and after taxes, is 851.35. My paycheck comes in biweekly from both jobs. Sometimes I work 6 overnights4 dayshifts, so its a bit lower.  <response>: There was a really good post explaining how these are a scam on reddit a few weeks ago. The TLDR is that these companies dont actually provide anything of value, they dont help your credit, you still end up with a negotiated settlement for less than the full amount on your credit either way and thats something you could do yourself after a few months of default. All they do is insert themselves as a middle man between confused people whose lives are falling apart and creditors and take money from both. Ill try and find the post but he advocates literally anyone, in any situation, staying away from these companies. 