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	>> When does National Debt Resolution begin settling my debts? Once you have enrolled in the program, your creditors will be notified, and the process will begin. Your debts will be settled as funds become available.

	>> Will creditors continue to call me? Once we have notified your creditors to stop calling you, it usually takes approximately 2 to 4 weeks for the calls to stop. If they continue to call, all you need to do is notify your National Debt Resolution representative.

	>> Can I settle my debts on my own? You could, but without the experience and relationships National Debt Resolution has with your creditors, it would be extremely difficult. You are also emotionally involved. Handling debt settlement yourself would be like repairing your own automobile; it can be done, but only if you have the expertise and tools.

	>> Who do I call if I have problems with one of my creditors? A Client Services Representative and Negotiator will be assigned to you upon entry into the program. You can call either of these individuals at any time, or speak to any other National Debt Resolution representative.

	>> Do all of my debts have to be included? No. We will handle only those debts that you want to include in the program. Many people retain one credit account for emergency use.

	>> How long will the program last? This is dependant upon the amount you can save on a monthly basis, and how much debt you have. Generally, National Debt Resolution can get you out of debt in 12 to 36 months or less.

	>> Can my program be accelerated if funds become available to settle my accounts? Yes. National Debt Resolution can settle your accounts as soon as funds are available. Many consumers get out of debt earlier than expected after securing funds for settlement.

	>> What effect will settling my debts have on my credit? After your debts are settled, your creditors generally report your account as settled or paid in full.

	>> How much does the program cost? National Debt Resolution has a flat fee based on a percentage of the unsecured debt you place in the program. There are no other monthly or hidden charges whatsoever. Your monthly payment is determined by what you can afford. One of our Debt Consultants will more thoroughly explain this during the initial consultation.

	>> Will all my creditors settle? Generally, there are few instances when a creditor will refuse to settle. Creditors realize that settling is in their best interest, and that you as a consumer are seeking an honorable alternative to bankruptcy. They also realize that recovering a portion of the money that's owed to them is better than recovering nothing at all.

	>> Will National Debt Resolution stop interest and late fees? National Debt Resolution cannot stop a creditor from adding interest or late fees to an account. However, we do take all of this into consideration when settling your accounts. We negotiate the amount that you have to repay down to the lowest possible point. The amount of money you save is significantly greater than the interest and late fees that might be added. No settlement company has the ability to stop interest from accruing.

	>> Can National Debt Resolution prevent lawsuits? . We cannot, nor can any settlement company, prevent a creditor from exercising their legal right to sue you should they choose. However, most creditors realize that this is a costly and time consuming approach to resolving your debt, and would much rather settle than go through this process. Once your account has been assigned to a collection agency, it is rare that the creditor will sue you to recover their monies, and are generally satisfied to settle your account, realizing that recovering part of the debt is better than securing no payment at all.