See Our Debt Problems Checklist

Reach Zero Debt – Achieving Zero Debt Status

We all have our own financial goals and we want to reach them as soon as possible. But it’s not easy to do so because there are many factors that can affect our finances. We have to make sure that we have a healthy budget and stick with it. We should also be careful about what we buy, especially when we are on a tight budget. And one more thing, don’t forget to save money for the future!

debt problems checklist

Are Your debts making your home life unhappy or difficult?

  • Does the pressure of your debts distract you from work at your place of employment or during daily work?
  • Are your debts affecting your personal and professional reputation?
  • Do your debts cause you to think less of yourself?
  • Have you ever given false information in order to obtain credit?
  • Have you ever made unrealistic promises to your creditors?
  • Does the pressure of your debt make you careless or fear risk to the health and welfare of your family?
  • Do you fear that your employer, family or your friends will learn the true extent of your total debt?
  • Does the prospect of borrowing give you an inordinate feeling of relief?
  • Does the pressure of your debts cause you to have difficulty sleeping or cause nightmares?
  • Has the pressure of your debts ever caused you to consider getting drunk?
  • Have you ever borrowed money without giving adequate consideration to the rate of interest you are required to pay?
  • Do you expect a negative response when subject to a credit investigation?
  • Have you developed a strict regimen for paying off your debts, only to break it under pressure?
  • Do you justify your debts by telling yourself you’ll get your “break” and then you’ll be out of debt?


If you answered yes to eight or more of these questions, the chances are that you have a significant problem with compulsive debt, or are well on your way to having one. If this is the case, today can be a turning point in your life. Debt is one of the most prevalent problems faced by Americans today. We’re not here to judge, we’re here to help and fight for you. Our dedicated team has helped good people and businesses all across America resolve difficult situations with credit card debts and business debts; while removing obstacles to borrowing.


Based in NYC, National Debt Law is a proven successful and reputable debt relief company made up of a diverse group of energetic, smart, and hard-working individuals that take a professional team approach.

That’s why we say, “We Do Better When YOU Do Debt Better.  

Our skills, experience, and tenacity has helped thousands of Americans resolve debt problems and find debt relief by helping our customers through a tough financial time in their lives. We specialize in reducing the balances on credit card debts, medical bills, repossessions, certain business debts, and other unsecured debt obligations. We also work diligently to ensure your creditors don’t harass you at your home or place of business.

We provide comprehensive debt relief services and  we fight for our clients through debt negotiation. Once you enroll in our debt relief program, it’s not just you versus your creditors. We’re debt relief professionals ready to help you get out of debt and back to managing your life. You not alone anymore. Our friendly customer service representatives are always ready to answer your questions or listen to your concerns.

Debt relief can help you to find a way out of your debt and avoid bankruptcy.

It is important to know the difference between debt relief and bankruptcy. Debt relief is for those who are in financial distress but are not interested in, or yet eligible for bankruptcy. Debt Relief vs Bankruptcy:

Debt relief is for those who are in financial distress but are not yet eligible for bankruptcy. Bankruptcy, on the other hand, will eliminate all of your debts at once and can be a good option if you have too many debts and cannot repay them. However, it will stay on your credit report for 10 years so it may affect your ability to get loans or credit cards in the future.

National Debt Law debt relief services can help you if you are struggling to pay your bills or if you have been unable to pay them for more than 90 days. Debt Relief can help people who have not been able to keep up with their monthly payments, as well as people who are late on payments and those who have missed payments altogether.

Debt Relief is a very popular option for people of all income levels. The process is similar for everyone, but the amount of money debt relief saves someone varies depending on how much they owe and their income level.

National Debt Law’s debt relief program’s cost and value can be explained with a simple math equation. If a person owes $20,000, our fee would be $5000. However, if (when) we are able to reduce that $20,000 debt to $10,000, that person would pay our 25% fee and still come out ahead by $5000, and be completely debt-free.

The National Debt Relief program to settle your debts can actually cost you less than if you pay off credit card debts yourself over a five-year period. If you owed $10,000 at 15% and your goal was to become debt free and assuming your monthly payment was $225 you would not be debt-free for 5 years, and you would have paid $4688 in interest. In comparison, if we were to handle that $10,000 debt with a 20% fee it would cost you just $2000 or $2688 less than if you were to pay off that credit card debt yourself.


National Debt Law charge a performance-based fee for our comprehensive debt relief and negotiation servicesFees that can be legally charged vary by state, and, the amount of your debt. Our fees range between 15% and 25%. When you compare these fees to the thousands of dollars in interest you will pay on credit cards while struggling to pay them off, you can still expect to save a significant amount of money with National Debt Law.

All program fees are included in your Dedicated Savings Account deposit. We earn nothing for our work until we’ve achieved the results that you want and have previously agreed upon when signing up for the program.

We Do Better When YOU Do Debt Better


Essential Debt Relief Info and Articles

We share our experience and information with you so that you can make better informed decisions.

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