Hello for starters I recently filed bankruptcy so I called NACA office and specifically asked if I could do the program the lady put me and hold to get some assistance with my question came back and said if you filed 13 you can’t until your discharge would could take 3 or more years but if you did 7 and your discharge you can and we can help you she also encouraged me too complete the application process and pay the fees so I did and waited months to speak with a counselor finally got my meeting last week and after about a hour she tells me that NACA can’t help me for at the minimum 2 years by law I explained to her that I was told by an associate that you guys could help I felt mislead all the intrusive information I put into the portal to be told there’s nothing they could do so disappointed I feel like this company wants way too much control over you for paying the closing cost and guaranteeing you your monthly payment stays the same it kind of reminded me of how welfare use too treat people year’s ago my counselor was professional and respectful and another thing your credit score does matter they watch it like any other lender would so very misleading my experience was horrible
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