Legal Disclosures
Required notices and disclosures for National Debt Management Inc., a 501(c)(3) non-profit credit counseling agency licensed in Michigan.
National Debt Management is not a loan company; we do not lend money.
Accredited 501(c)(3) Non-Profit Credit Counseling Agency · Michigan License Number: 0014319
Notice to Consumers — Michigan DIFS & Debt Management Act [PLACEHOLDER — confirm final copy]
Pursuant to Michigan Administrative Code R 451.1235 and the Debt Management Act provisions of Sections 13(1), 13(2), 14(1), and 18. [Statutory provision summaries and required disclosures to be pasted here verbatim from the approved compliance copy — Sections 13(1) initial fee, 13(2) creditor-consent notice, 14(1) contract contents, and 18 service fees, optional purchases, cancellation fee, right to cancel, contract effectiveness, and overcharging penalty.]
Contact for questions or complaints: Michigan Department of Insurance and Financial Services (DIFS), P.O. Box 30220, Lansing, MI 48909-7720 · Phone: 877-999-6442 · www.michigan.gov/difs
SMS / Text-Message Consent [PLACEHOLDER — confirm final copy]
[Paste the approved SMS consent and program disclosure here — message & data rates, frequency, HELP/STOP instructions, and express written consent language. Consent is not a condition of service.]
Program Disclosures & Results Disclaimer [PLACEHOLDER — confirm final copy]
[Paste the approved program results, fee, eligibility, and tax-consequence disclosures here. National Debt Management does not provide tax, accounting, legal, or bankruptcy advice and is not a credit repair company.]