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None. On XX/XX/XXXX I signed on with National Debt Relief to reduce the amount of credit card debt I owed. I was told they could negotiate with the credit card companies to reduce the amount due ( {$22000.00} ) to ( {$17000.00} ) reducing my total debt. My total debt owed was used to calculate a monthly payment ( {$360.00} ) that was to be held in an account while they negotiated with creditors. By XXXX of XXXX National Debt Relief had only negotiated on XXXX of the XXXX accounts enrolled in the program and I had paid a total of {$2800.00} into the account when I decided to un-enroll from the program realizing I was still paying on the total debt not negotiated debt which was my goal. In XXXX of XXXX XXXX of the creditors decided to file a case management trial with the XXXX XXXX demanding