Debt Relief Services
National Debt Law is one of the country’s most reputable and proficient debt relief services and debt settlement companies. We are made up of energetic, smart and compassionate professionals that take a professional team approach. Our experience 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 obligations. We also work diligently to ensure your creditors don’t harass you at your home or place of business.
Debt Relief Services
Debt Settlement as an Alternative to Bankruptcy. We offer debt settlement as an alternative to bankruptcy, credit counseling, and debt consolidation services. We advocate and provide Debt Relief Services as a team for you to help you re-establish financial stability as quickly as possible. Our mission is focused on helping individuals achieve freedom and to accomplish debt reduction with the least possible payment amount and term. We provide debt relief options for our select clients including debt settlement and debt negotiation.
National Debt Law with our servicing partner has tens of thousands of customers and they are all hard working people just like you. We advocate for debt relief and organize our counselors and negotiators into teams with legal support in order to better serve our clients. All of our clients have experienced some sort of financial or medical hardship leading them to this best solution. No fees are charged until your debts are settled and agreements with creditors are reached.
What Does Our Debt Settlement Program Cover?
Our debt settlement program covers the vast majority of unsecured debts. Many of our clients carry significant credit card balances, and we’re particularly adept at negotiating with major credit card issuers and banks. If you qualify, we may be able to lower your monthly credit card payments by a significant margin all the while getting you out of debt in approximately 24-48 months. We work hard to reduce your debt as quickly as possible. Before enrolling, many clients lived paycheck to paycheck and could still barely afford to make ends meet. After successfully completing our debt settlement plan, they now finally had the means to prepare and save for the future. What does our program cost? How much will you have to pay for us to negotiate your debts for you and get a creditor to forgive a significant portion of your debt? Free until we save you real money. Unfortunately, we can’t settle mortgage loans, auto loans and most other secured debts. By dramatically reducing your unsecured obligations, however, we free up cash to help you stay current on these bills.
No Upfront Fees
Your initial consultation is free and there are no fees to get started. We received nothing unless your debt is settled through our services and intervention. We do not receive any payment unless we can successfully settle with your creditors and get your debt reduced. Fees for our services vary by state and the amount of your debt. The fee varies between 20-25% of your enrolled debt. Compared to the $1000’s in interest you will pay on your credit cards while you struggle to pay them off, you can see that this fee is quite reasonable. Many of our successful debt free customers and members you can become debt free in 24-48 months with our debt consolidation program. Call Today for a Free Consultation
No Risk and No Commitment
The nationaldebtlaw.com credit counseling team can advise you on debt relief options and recommend proven self-help strategies for managing your money and resolving debts. Call (201) 338-6300 to request a free initial consultation to determine eligibility for debt consolidation and debt settlement programs.
Debt Relief Services
Get Relief From Unsecured Credit Card Debt, Medical Bills And Unsecured debt
We are dedicated to providing debt relief programs helping individuals and families with information and resources, through conducting financial consultations, and by educating the consumer and recommending the appropriate solution. We specialize in debt settlement and have negotiated settlements for thousands of creditor and collection accounts. We provide our clients with both our expertise and our proven results.
Reduce Your Debts
- You could save much more than credit counseling or debt management and be debt free sooner.
- Compare Your Debt Relief Options
- Get a free financial assessment from a certified debt counselor with no obligation.
- Low Program Payments
- We let you pick a payment that you can afford. There is no fee until you see results.
Debts We Can Settle
- Credit Cards
- Lines of Credit
- Medical bills
- Certain repossessions
- Personal loans
- Certain business debts
- Collections and certain judgments
Debts We Can NOT Settle
- IRS Debt and Back Taxes
- Utility Bills
- Auto, Student or Government Loans
- Mortgage or Home Loans
- Other Secured Debts
FICO credit scores generally range between a low of 300 and 850 as the highest possible score. Higher scores indicate a lower credit risk to lenders. Each individual has nearly 50 different credit scores comprised for the Fair Isaac FICO scoring model as each of three national credit bureaus, Equifax, Experian and TransUnion, has its own database. HOW DOES FICO CREDIT SCORE WORK?
Debt Settlement (also referred to as debt negotiation, negotiated debt settlement or sometimes incorrectly called debt consolidation) means that your debt is negotiated to a reduced amount and paid off in a lump sum. In some rare cases, multiple payments are utilized to pay off the debt, settling the account in full. DEBT SETTLEMENT FAQ
Adjustable Rate Mortgage (ARM) – A mortgage with an interest rate that can change based on changes in a specified index. Adjusted Balance – An interest calculation method used by some credit card issuers in which they subtract all payments made during the month, then add the calculated finance charges. FINANCE TERMS AND DEFINITIONS
We’re here to advocate for US citizens that would like to be free of debt and are seeking reliable trustworthy professional services. Debt is a problem. That problem can be beaten with planning, strategy and action. We operate in a majority of the United States and collectively have over 20 years of experience in the debt relief and financial services industries. DEBT RELIEF PROGRAMS
Fair Debt Collection Practices Act (FDCPA) was passed to protect customers from being shaken down by collection companies. This act restricts the tactics they may use. Please note: The FDCPA applies to outside collection agencies, the ones that most credit card companies hire after their own attempts have failed, and not to the collection department within the card company or other lender. FAIR DEBT COLLECTION PRACTICES ACT
A credit card is something that you use to make cashless purchases. When you charge it to your card that means you can take home the items you purchased with a promise that you will pay for it in the future. That refers to a short term future because credit card companies send monthly billings that includes the purchased amount, interest rate and other fees and charges. CREDIT CARD DEBT
Your credit score is an up-to-date snapshot of your financial life. In the United States, there are 3 three major credit bureaus that compile and issue credit reports for consumers: Equifax and Experian and TransUnion. These reports result in a FICO credit score which determines viability for lending. DEBT RELIEF AFFECT CREDIT SCORE?
A Debt Lawsuit Statute of Limitation is the length of time someone can bring a legal suit against you. Below is a state-by-state list of Statue of Limitations. Statute of Limitation for unpaid Credit Card bills: If you fall behind in your credit card payments, the card issuer can sue you for payment. DEBT LAWSUIT STATUTE OF LIMITATIONS