I don't know were to start but Harel Kariem was a great help in explaining everything to me and making sure I wasn't just left in the dark on how NDR works he personally made everything so easy and a breeze walking me thru every step of the process I highly recommend NDR if you are experiencing hardships or having debtor problem . NDR is a blessing to me and my family this journey will open up new doors for me and mine Thanks again Harel Kariem for all your help and knowledge of the system I highly recommend him to help you with your debt an getting average everyday ppl back on track thank you !!!!