Simple Steps Solution

Step 1 - Discuss your financial situation in a confidential credit counseling session.

Any reputable debt agency should provide consumers with a free credit counseling session, as this is the point in the process where your debt agency is evaluating which programs would be a viable solution for debt resolution.

Step 2 - Choose a strategy based on the information presented by our licensed counselors.

The benefit of working with a not for profit debt agency, which is also licensed for pre-bankruptcy counseling, is trusting that your counselor has no motive for presenting the various debt resolution solutions that are available to you.

Step 3 - Make on-time payments.

No matter the program in which you elect to enroll for debt help, on-time payments will always determine the speed at which you put your debt behind you. This is why we take the pre-enrollment budget conversation so seriously, if a consumer can’t afford the payment we will present alternatives to a debt management program for resolving debt.

Step 4 - Monitor debt balance as they go bye bye!

Each debt account has specific characteristics that need to be considered for successful debt resolution. Our team of licensed counselors will make it easy for you by taking on the job of strategically managing your creditors, while you watch your balances as they disappear!

17520 West 12 Mile Road Suite 105 Southfield, Michigan 48076

Toll Free: 888-960-5303

Fax: 248-200-2108 9am-5pm EST

National Debt Management is not a loan company, we do not lend money.

Accredited 501(c)(3) Non-Profit Credit Counseling Agency

Michigan License No. 0014319

* Under our debt resolution program, estimates are based on prior results, which will vary depending on your individual program terms and your specific enrolled creditors. We cannot guarantee that we will be able to resolve all of your enrolled accounts or that we will be able to resolve them for a specific amount or within a specific period of time. Not all of our clients will be able to complete our program for any number of reasons, including, but not limited to, their ability to save enough money during the term of their program. Under our program, we do not assume the liability for your enrolled accounts, and unlike our debt management programs, should you choose to enroll in a settlement programs, we do not make monthly payments to your creditors. Failing to make timely payments to your creditors on your enrolled accounts will likely adversely affect your creditworthiness, increase the outstanding balances due to the accrual of interest charges, penalties and late fees, and may subject you to collection actions or lawsuits by your creditors. However, the repayment agreements that we may negotiate on your behalf will resolve the entire outstanding balance on that account, including any interest, penalties or fees accrued during your program participation. Any amount of debt forgiven by your creditors may be subject to income tax, and you should consult with an accountant or attorney regarding the potential tax consequences of paying less than the full amount owed on your enrolled accounts. We do not provide tax, accounting, legal or bankruptcy advice. We are not a credit repair company, and we do not provide credit repair services. You should carefully read all program materials prior to your enrollment to be sure you fully understand the terms and conditions of our program. Our program is not available in all states, and our fees vary by state.

** Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt settlement companies. If we know that to be the case, we generally won’t enroll the account into your program.