National Debt Holdings is a master servicer and a secondary creditor. We work with other creditors to help provide recovery or lost assets due to the nonpayment of accounts. Our compassionate team understands that there may be complex reasons involved in the delinquency or default of accounts, and we care about helping consumers through increased financial literacy and high quality service. For more information about why your account may not be with your original creditor, please read the Money Chat article we sponsored with Receivables Info, “Why is My Account Not With My Original Creditor?”