National Debt Management Inc.

(all documents in PDF format)

Credit Counseling

National Debt Management, Inc. provides financial counseling creating solutions to meet the needs of each person.

You may be experiencing financial difficulties if you answer yes to any of the following questions:

You are borrowing or using a credit card for items you previously purchased with cash?
You are taking out new loans before you pay off your previous loans?
Your expenses are growing faster than your income?
Do you dip into your savings to pay your regular bills?
Are you approaching the limits on all your credit lines?
Are you usually late in paying your bills?
Do you only make minimum payments each month?
Do you borrow from one lender or credit card to pay another?
Do you not know how much your total debt is?
Have you have been denied credit?
Do any of the checks you write bounce?
Are you getting calls from collectors?
Do you lie to your spouse or other family member about your spending or hide credit card statements from family members?
Do you have more than three major credit cards?
Are you unable to maintain a savings?