Waste of time The representative from Navicore was very nice and knowledgeable but there's nothing they can do for you if you are unemployed at the moment without an income and can't make any payment. No bank or credit counseling company will be willing to reduce the debt or interest rate on your credit cards including Navicore without you making some kind of payment. I called Navicore because I was being pressured by the banks to call them and I want to comply but for someone in my position it's a waste of time. Besides that, anything Navicore can do for me, I can do on my own by dealing with the banks directly and probably in less time. This is a follow up reply/edit to Navicore's reply to me: I appreciate you reaching out but as I already said above, I am not in a position to make any payments whatsoever unfortunately which is why I said it's a waste of time for me right now, it's premature and frankly I don't need anyone being "part of my journey". But the bank won't stop calling and telling me to call Navicore so I didn't want to not comply. When I have an income again I'll make my payments. As I already explained I don't see what you can do to help unless you are willing to lower my debt and/or interest rate WITHOUT me making any type of payment whatsoever which I know you won't do. If you can do that then I'll contact you again. Can you do that? If not then why would you ask me to call you again?

I’ve fallen behind on my massive debt… I’ve fallen behind on my massive debt (over 26,000.00) and have fallen victim to another company’s scheme. Bank of America took my past history into account and sent me to Navacore. They (Cheryl) have given me a way to get out from under it in 4 1/2 years instead of millions of years. I’ve never defaulted on my debt before, and it feels good to know that I won’t be doing it now, and that it will be done so quickly! Thank you.

Previous program user… I used to be in a program that helped with purchasing medication. I was completely insulted and made to feel insignificant upon applying for help as a result of now having Medicare. I was spoken to like a moron and people for Novicare were superior to me. I was told I could appeal the decision. Why? To be insulted again? No thank you . I am not a glutton for punishment.

Credit Card Debt is GONE! Can't thank Navicore enough for helping to not only consolidate my credit card debt but helping me pay it off in about 5 years, which is certainly better than the alternative. Friendly staff, worked with me when I needed assistance, and forever grateful for them.

Thank you Navicor for your help and… Thank you Navicor for your help and support, if it wasn't for them I would be in dire straights, my husband had cancer and then with covid I could not make ends meet. Now I feel more at ease to get my life back together. Thank you Navicor. Everyone has been so supportive and helpful would definitely recommend them.