A few suggestions:
Starting in March 2018 I am working with National Debt Relief (NDR) to lower the amount due on most of my credit cards and bank loans.
I pay NDR $1,381 a month to use to lower my amounts due. NDR is doing a good job, but because they recommend that I NOT pay off certain cards and loans amounts due so that NDR can negotiate better terms for me. This, of course, causes me to be late on my payments until they can set up a negotiated settlement with each credit card and bank loan account. This, of course, attacks my credit score which has steadily declined since I started working with NDR.
Do you have any suggestions?