NATIONAL DEBT RELIEF LLC

Asked for my DOB first name last name and phone number which now they won’t stop calling me [BBB Scam Type: Phishing] [Business: National Debt Relief] [Location: Lake City, MI, USA - 49651]

$60k in debt, $6000 income, is bankruptcy our only option in this economy? Hello personalfinance. My financial situation is stressful and dire and causing significant quality of life and mental health issues for myself and my wife. I don't want to take too much time with my sob story but I'll give brief context then financial details. I'd love any advice and help for what to do. I brought up declaring bankruptcy with my wife but she doesn't want to do that because it will make us a pariah to banks for the rest of our lives and not be able to buy a house. (i have not read up on bankruptcy, just know of it as an option and I still think maybe it's our best bet?) Backtaxes: I was married to my first wife for 10 years, she did all the finances. Before that, my mom did my financials. I never learned on my own and unfortunately am learning personal finance the hard way in real time. First year post divorce from first wife (2021), I didn't file, just forgot, went right by. Realized the mistake in 2022 and that's where those are from. Debts: almost all of our debt is medical and auto (or caused as a result of). my car had significant repairs of almost $6000 and my wife had ovarian surgery which was about $10000. these increased our expenses and caused us to need to use cc to pay for things we could afford previously. this has accrued and built until we reach the point we're at now. and there's no end in sight with the economy so expensive now, we reach $0 every month and sometimes dip underneath and have to pay for dog food on a cc, etc. Notes: we have not missed any payments on any of our accounts. our credit scores are \~690. I was STUNNED to see that there is interest on backtaxes. That one really hurt and discovering that caused me to make this post. My wife and I look for places to move to to reduce rent but there is nothing cheaper in our area and we actually have a great rate for our place. Plus two large dogs which make moving difficult. Plus her dad is in

National Debt Relief is a scam ?

The person called stating they’re calling from cheap country credit union about national debt relief company for which offered to pay off half of my debt with my Jeep country credit union accounts. They have all of my information they said they got it from the three bureau reporting bureaus, stating that they received desist a C and desist letter and that they are a legitimate company and they just want to help pay off my bills I didn’t give them any information but they have all of my information loans account numbers, credit card numbers and information. She said her name was Jennifer Lewis and they received the letter from Samuel Parker and gave me a number of 315-208-3232 extension 80024 when I asked for their number that they’re calling me from now they started to give me my number that my phone number for which I then hung up. [BBB Scam Type: Phishing] [Business: They Said they are Jeep Federal Credit union] [Location: OH, USA- 43607]

The scammer pose as Saying they received case from Experian to help you with debts. Scammers had all my credit cards numbers and social SECURITY NUMBER. Stating I could afford to pay my cards off and they can help. Scammers had someone to call m and pretended they were from US Bank ask me was I working with National Debt Processing, “I said No”. Scammers pretended to be Synchony Bank. That person said I needed to work with the program to help me get out of debt. They charged a total of $9,700 without my permission on Discovery card R3000,Chevron/Texaco card Kevin Ellis 315-208-3232 The name charged on my cards was FD5 Debt Law Master. [BBB Scam Type: Phishing] [Business: National Debt Relief/Citizen Legal Group/FD5 Debt Law Master] [Location: CA, USA- 94015]