I had National consumer resource center as my debt management company and was doing monthly payments for $217. They always send the payment to my creditor late and they were charging me late fees. I dont know which was the deal between my creditors and NCRC, but I guess the never got into a deal to stop my late fees and decrease the rate in my credit cards. That happened in 2005 and I am still paying the consequences and paying a credit card that went to collection. Because of that my credit is very weak. I still have my account number... read full review »