<prompt> Human: Looking for some insight on my current debt situation. Ive made some bad decisions in the past and Im ready to tackle this debt. Im currently just shy of 47,000 of debt with another 30,000 in student loans that are currently deferred until July 2017. I also just enrolled in National Debt Relief about 3 months ago and pay them 705 a month. I work full time and my wife is a full time student and works causally which equals about to be about 3 days per pay period. We also have 2 kids so with my wife working causally we dont have to pay for daycare.Debt:Sofi - 13,435.00Prosper - 12,268 settled by NDR for 5932. Nothing paid yetProsper - 1,857Local Credit Union Credit Card - 7,146Lending Club - 3,449Captial OneMenards - 2,930ChaseAmazon - 2,474Best Buy - 2,009BarclayApple Credit Card - 1,000 Settled by NDR and paid in full for 526Expenses per Month Family:Mortgage - 850GasWaterSewer - 150Power - 90Internet - 60Garbage - 25Netflix - 10Car Payment - 253Car Insurance 2 cars - 200Gas 2 cars - 80Phone Bill - 55Groceries - 400Wifes Expenses:Slumberland - 2000 50monthWells Fargo Credit Card - 3500 100monthKohls - 600 25monthYonkers - 2,700 75monthIncome:Me - 2800monthWife - 600monthTo add to all of this. The other day I got served from the same local credit union but for an old checking 714 account and an old quick loan 350 from them. Both of these are not included in my National Debt Relief account so Im on my own. Total for this is 1064 and the court date is set for 13017. The papers are mainly for the quick loan but at the end of the statement they mentioned that the cost also includes a charged off checking account. What I got from the court house only included the following paperwork filed from the credit union:1.Application for the quick loan2.Paperwork for charging off the quick loan3.Paper showing my overall summary of the negative checking account. No details about the checking accountBasically I have two questions:1. Should I continue to use National Debt Relief? They say I can have all of my debt done in 4 years and at the cost of around 26,000 instead of 47,000. It is nice having them handling everything including the annoying phone calls but I know they charge a fee. Do I have a chance of calling each of these places on my own and settling? I dont even know where to start with that. 2. What is my best option for getting served from the Credit union? a. Do I call them before the hearing and try to settle directly with them? I dont have any extra money laying around to negotiate with them. Basically Id be asking if I could set up a low monthly payment. b. Do I go to the hearing and deny it on the grounds that the included paperwork doesnt show exact details of the quick loan or checking account? c. Do I go to the hearing and just agree and try to setup a payment plan?Any help with this is greatly appreciated. I think Ive included everything here but any questions please ask.Thanks!  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.Your text might contain incorrectly formatted lists. To format a list properly, add a space between the bullet points and list items, and add a blank line before the start of the list.--- Looking for some insight on my current debt situation. Ive made some bad decisions in the past and Im ready to tackle this debt. Im currently just shy of 47,000 of debt with another 30,000 in student loans that are currently deferred until July 2017. I also just enrolled in National Debt Relief about 3 months ago and pay them 705 a month. I work full time and my wife is a full time student and works causally which equals about to be about 3 days per pay period. We also have 2 kids so with my wife working causally we dont have to pay for daycare. Debt: Sofi - 13,435.00 Prosper - 12,268 settled by NDR for 5932. Nothing paid yet Prosper - 1,857 Local Credit Union Credit Card - 7,146 Lending Club - 3,449 Captial OneMenards - 2,930 ChaseAmazon - 2,474 Best Buy - 2,009 BarclayApple Credit Card - 1,000 Settled by NDR and paid in full for 526 Expenses per Month Family: Mortgage - 850 GasWaterSewer - 150 Power - 90 Internet - 60 Garbage - 25 Netflix - 10 Car Payment - 253 Car Insurance 2 cars - 200 Gas 2 cars - 80 Phone Bill - 55 Groceries - 400 Wifes Expenses: Slumberland - 2000 50month Wells Fargo Credit Card - 3500 100month Kohls - 600 25month Yonkers - 2,700 75month Income: Me - 2800month Wife - 600month To add to all of this. The other day I got served from the same local credit union but for an old checking 714 account and an old quick loan 350 from them. Both of these are not included in my National Debt Relief account so Im on my own. Total for this is 1064 and the court date is set for 13017. The papers are mainly for the quick loan but at the end of the statement they mentioned that the cost also includes a charged off checking account. What I got from the court house only included the following paperwork filed from the credit union: 1.Application for the quick loan 2.Paperwork for charging off the quick loan 3.Paper showing my overall summary of the negative checking account. No details about the checking account Basically I have two questions: 1. Should I continue to use National Debt Relief? They say I can have all of my debt done in 4 years and at the cost of around 26,000 instead of 47,000. It is nice having them handling everything including the annoying phone calls but I know they charge a fee. Do I have a chance of calling each of these places on my own and settling? I dont even know where to start with that. 2. What is my best option for getting served from the Credit union? a. Do I call them before the hearing and try to settle directly with them? I dont have any extra money laying around to negotiate with them. Basically Id be asking if I could set up a low monthly payment. b. Do I go to the hearing and deny it on the grounds that the included paperwork doesnt show exact details of the quick loan or checking account? c. Do I go to the hearing and just agree and try to setup a payment plan? Any help with this is greatly appreciated. I think Ive included everything here but any questions please ask. Thanks! ---I am a bot. Contact pentium4borg with any feedback. 