Our Services
Credit Management
Our credit management program uses a negotiated approach where creditors may be willing to accept the principal balance with a 0% interest rate. We combine this with a structured program so you make one manageable payment while we work to resolve your enrolled accounts.
Who Credit Management Is For
These programs are typically suited to people with significant unsecured debt—such as credit cards, medical bills, or personal loans—who are struggling to keep up with minimum payments. Credit management works best when you can commit to a monthly program payment and are prepared for a 24–48 month timeline. We evaluate your situation to recommend whether a structured program or another option fits your needs.
Credit management can impact your credit during the program, and results vary by creditor and individual circumstances. Our advisors explain the tradeoffs and help you choose a path that aligns with your goals.
How It Works
Through our credit management program, creditors may be willing to accept your principal balance with a 0% interest rate. With National Legal Debt Relief, this balance can be spread over an agreed term with one manageable payment.
By eliminating interest, more of every payment goes directly toward your principal balance. We have built relationships with many credit card companies and work to reach favorable terms efficiently. Creditors often prefer a structured repayment plan rather than risk default or charge-off. Program length typically runs 24–48 months depending on the amount of debt and your ability to make consistent payments.
0%
Interest rate on principal balance
24–48
Months to resolve your debt
Our Goal
Our goal is simple: to save you the most possible money and to resolve your debt in the shortest amount of time. We have resolved over $1 billion in debt for our customers and could help you do the following: