A nonprofit debt relief solution
Speak with one of our Certified Credit Counselors today
​Call: 844-249-2832 

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How our Debt management program works

You need to have at least $3000 of credit card debt and/or unsecure debt ie: medical bills, payday loans, utility bills. ​

You need to have the ability to pay your payment which includes the low monthly fee.

Depending on amount of your debt, you will be debt free in an estimated   3-5 years.

This program is the best debt elimination solution without paying the creditors in a single lump payment. The way our program works is as follows:

What is a Debt Management Plan?

Benefits of a DMP

A Debt Management Plan (DMP) is a program designed to consolidate your unsecure debt without taking out a loan.  National Debt Management will negotiate lower interest rates, saving you thousands of dollars.  Enrolling in our program stops late and over the limit fees, as well as stopping calls from collection agencies.  You pay one low monthly payment for all enrolled debt, and we distribute payments to pay off your debt in as little as 3-5 years. 

1. consolidate debt into one low monthly payment 
2. reduce interest rates
3. save $1000s
4. stop late & over the limit fees
5. pay off debt quickly 
6. stop harassing calls from debt collectors 
7. create realistic personalized budgets
8. debt free in dramatically less time

check out our video on Debt Management

Testimonials

"National Debt Management helped me consolidate my credit card debt and pay off my loans in 36 months after years of only being able to afford the minimum payment!"
​-Jenny R. 
                                                                     

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" I have a very pleasant experience with this company they really go the extra step to help you. If you want to work with professional and caring people call National Debt Management. "
-Samir

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Need more information?
Call our certified credit counselors at:
844-249-2832 

Enrolling in a Debt Management Program results in the following benefits:

Consolidated Unsecured Debt
Consolidates your credit cards, personal loans and other unsecured debts into one monthly payment.

​Lowers Monthly Payments
Reduces the monthly payments on most credit cards, personal loans and other unsecured debts by up to 50%.

Lowers Interest Rates
Reduces most credit card interest rates to under 10%. Some creditors will reduce the interest rate down to 0%. A few creditors will not reduce the interest rate, but will accept lower payments.

Prevents Delinquent Account Reporting
After three consecutive monthly payments in the Debt Management Program, most creditors will adjust the standing of past due accounts, from a "delinquent status" to a "current status". This program benefit allows consumers who are behind in their monthly payments, and not able to send extra funds, to stop the negative reporting of delinquent accounts to the credit bureaus.
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Stops Late and Over-limit Fees
Stops late and over-the-limit fees on credit cards, personal loans, and other unsecured debts once they are formally enrolled in the Debt Management Program.

Helps Avoid the Collections Account Process
Some seriously delinquents accounts can be prevented from being transferred to in-house collections departments or sold to third-party collection agencies, once they are enrolled in the Debt Management Program. Sometimes seriously delinquents accounts, which have already been forwarded to thirty-party collectors, can be "recalled," and set-up on a payment plan in the Debt Management Program.

Helps Avoid Bankruptcy
This program is often the best alternative for people who are thinking of filing bankruptcy. Our program helps many consumers avoid the hassle and expense of having to file for bankruptcy. A bankruptcy listing remains on a credit report for up to ten (10) years.

Stops Collection Calls
Most creditors will stop the harassment calls and threatening letters, within a couple months or less, of successfully entering the Debt Management Program.

A Structured Debt Elimination Plan
This program is often the best debt elimination solution, allowing consumers to regain control of their financial situation by becoming debt free in average for 4.5 years or less, instead of 20 years or more.