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None. I enrolled in a debt settlement program with National Debt Relief ( NDR ) in XXXX, with the understanding that my enrolled accounts would be actively negotiated. However, XXXX of the accountsXXXX XXXX later acquired by XXXX XXXXhad a legal judgment entered against it prior to enrollment, making settlement legally impossible. NDR accepted the account, failed to disclose the judgment, and continued billing me service and legal fees. I repeatedly requested updates and documentation. Representatives gave conflicting answers and falsely assured me settlement negotiations were underway. Despite sufficient escrow funds, accounts were delayed for months, service fees continued, and no final settlements were confirmed. I experienced chronic mismanagement, including but not limited to