Are you diligently working but finding it challenging to manage credit card debt and other financial obligations such as medical bills and personal loans?

Rest assured, you're not facing these difficulties alone.

In the previous year, the average credit card debt in the USA exceeded $5,000, with over 14 million Americans owing amounts surpassing $10,000.

These figures are substantial.

Additionally, credit card companies accrued over $100 billion in fees and interest payments.

At National Debt Programs, we leverage advanced technology to assist individuals in resolving a variety of debts.

Our team has successfully guided thousands of individuals on their journey to becoming debt-free.

We aim to counter the significant fees and interest payments that credit card companies accumulate each year.

Our mission is to support you in overcoming these financial challenges.

Curious to know if you qualify for debt relief?

Simply complete our brief questionnaire above.

If you meet the criteria, a friendly debt advisor will arrange a phone call to guide you through the available options.

This program works with almost all types of unsecured debt:

- Credit card debt

- Medical debt

- Personal loans

- Most payday loans

The program can sometimes work with unsecured debts like auto or furniture loans, but restrictions apply.

National Debt Programs centers its approach around Debt Relief, aiming to promptly reduce your monthly payments, easing cash flow pressure and facilitating a cost-effective and speedy path to debt freedom.

Our program is straightforward.

Instead of making payments directly to your creditors, you'll contribute a monthly sum to a Dedicated Savings Account, which remains in your name and under your control.

As these funds accumulate, we will engage with your creditors to negotiate and establish reduced balances.

Given that you're no longer directly paying the creditor, they are often inclined to accept a reduced amount, viewing it as preferable to the risk of receiving no payment at all.

Subsequently, you grant us authorization to utilize the funds in your Dedicated Savings Account to settle your debts at the agreed-upon, reduced amounts.

As accounts are successfully paid off, they should be reported back as having a zero balance.

National Debt Programs goes beyond ensuring affordability – we invest the time to assess your budget thoroughly, ensuring that the proposed solution genuinely alleviates financial pressure.

With the flexibility to customize your deposit schedule, our approach allows you to feel more in control throughout the entire process.

National Debt Programs charges a service fee, conveniently bundled within your Dedicated Savings Account deposit.

Unlike other programs with hardship solutions, our fee is entirely performance-based.

We only earn when we've achieved the desired results, ensuring you feel satisfied with the savings.

The fees vary by state and the amount of your debt, typically ranging from 15-25% of your enrolled debt.

In contrast to the substantial interest payments associated with struggling to pay off credit cards, the savings with National Debt Programs are substantial.

While each program is unique, consider the case of "John," a recent client.

Initially carrying a debt of $25,000 across credit cards and a personal loan, with a monthly payment exceeding $700, he aimed to reduce the payment and eliminate the debt on his fixed income.

Setting up a $250/month deposit for an estimated 36 months (3 years) to become debt-free, "John's" debt could potentially be resolved for around $19,000, as opposed to an estimated $45,000 based on minimum payments, thanks to the inclusive fees.

This exemplifies how National Debt Programs aims to provide substantial savings for clients.