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Debt Relief Information

You’re not the first person to face debt issues. There is information available to empower you. The knowledgeable team at National Debt Law has provided relevant information about finance and the debt industry on this website. We’re also here to help you make informed decisions.

Debt Relief Tools

Debt is a pervasive problem. Are you behind on credit cards and making minimum payments? Use the free Debt Payment Calculator to determine “how much and how long” to pay. Other free National Debt Law tools include Budget Plan Template, Debt Problems Checklist, and more.

Debt Relief Options

National Debt Law debt relief options are available for individuals seeking trust-worthy professional services Credit Counseling, Debt Management Planning, Debt Consolidation, and Debt Settlement Programs and legal Bankruptcy Protection. Free initial consultation with a certified credit counselor.]

Debt Relief

Information, Tools  & Options

Debt Relief Information, Budget and Credit and Debt Relief Tools, and Professional Debt Relief Options.

Debt Relief Services

Once you enroll in our debt relief program, and it’s only not you against 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.

Credit Counseling

Credit Counseling is the starting point for many successful debt relief strategies. No cost, no risk. Initial consultations are always free. Learn more about finance, debt management, and personal budgeting. National Debt Law debt relief services and options include counselors that are experienced and trained in resolving consumer credit.

Debt Management Plan

Debt Management Plan is included free with Debt Settlement programs – part of successful debt relief strategies. Initial consultations are always free. No cost, no risk. Customers receive a free Debt Management Plan for personal budgeting. National Debt Law debt relief services and options include counselors certified and trained in consumer credit.

Debt Consolidation

Debt Consolidation is for US consumers that are in serious debt and want to combine unsecured debts and in order to reduce the time and amount of money required to satisfy the debts. No cost, no risk. Initial consultations are always free. Evaluate your debt relief options with National Debt Law. Save money and time through Debt Consolidation and Debt Settlement.

Debt Settlement

Debt Settlement is a process is to consolidate unsecured debts and negotiate a lower cost of repayment with creditors. Debt Settlement can reduce the outstanding repayment balance as well as reducing the amount of time it will take to pay off a debt or group of debts. National Debt Law debt settlement services include counselors that are certified and trained in debt negotiation and consumer credit.

Bankruptcy Protection

Bankruptcy Protection is the last alternative to overwhelming debt. The negative consequences of credit history reporting are severe. Bankruptcy information is critical to making this important decision. National Debt Law debt relief services and options include counselors that can help avoid bankruptcy and are certified and trained in consumer credit.

National Debt Law Debt Calculator

Debt Reduction Calculator

Enter your total unsecured debt, a monthly payment that you would be able to afford to become debt-free, the average interest percentage, and hit “Calculate”. This free tool will calculate how much it will cost and how long it will take to become debt-free. Determine how much money you can save with debt settlement, versus consumer credit counseling, versus paying back your debt on your own. Easy to understand graphs are included. The calculations are consistent and compliant with the FTC.

*Takes values of total debt, monthly payment that user can afford to pay off the debt, and interest percentage (the i-e interest rate that user is paying on his accounts. This will be used to calculate how much he would end up paying when staying current on his accounts. The interest rate will not affect the figures that are calculated for consumer credit counseling and debt settlement programs.)

*Calculates total time to pay off the debt by debt settlement program, consumer credit counseling, and on your own

*Total payback by debt settlement program, consumer credit counseling, and by staying on your own

*Two graphs that represent total cost and monthly payment by debt settlement program, consumer credit counseling, and by staying on your own

 Fix Bad Credit

Our Credit Repair Program is private and free. Learn; “how to raise your credit score fast”, and eliminate negative reporting, and actually reduce and eliminate debt. There’s are only a few key factors that undermine most consumers when it comes to attaining a favorable credit rating. This program defines and determines what is reported, and exactly what is affecting you.

Client Testimonials

Proof that professionally-negotiated debt settlement can save money, restore credit ratings, and resolve debts faster.

Debt Information

Learn about debt and evaluate free debt relief information and debt relief tools.


Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 30% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting or legal advice, or credit repair services. Not available in all states. Please contact a tax professional to discuss the tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating

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