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We’re on a mission.

Since 2006 our not-for-profit agency has been negotiating affordable debt relief on behalf of consumers caught in a high-interest minimum payment trap. Our team of negotiators have resolved over one million debt accounts, and provided additional financial resource and assistance to countless more individuals and families experiencing hardship. 

As the need for professional non profit debt help has grown over the past few years, so have our resources for resolving debt. Contact our office to explore a growing network of empowering debt solutions and products.

Calculate Your Own Debt Program Payment

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Client Testimonies

“You are all great and do a wonderful job. I feel safe and secure… and I would recommend you to my friends! I tell [everyone] how helpful this program is.”
K.S. Feb 2023
“You have done an excellent and efficient job.”
S.S. February 2023
“Your program works. I'm within a few months of completing repayment of my debt. I didn't know where to turn for help until NDM was recommended. Thank you!”
January 2023
“This program worked well for me to reduce debt after the death of my husband. It's been 4 long years but I'm thankful to NDM and all their personnel who helped me along the way. This will help my with Christmas gifts for the grandchildren.”
December 2022
“I hope I never have to use you again. Of course I mean that in a good way. I would still be in that grip if I didn’t humble myself and ask for help. It was manageable and to think that all is paid off is the biggest relief. Thank you so much.”
A.R.September 2022
“You've been a wonderful help. The headaches and stress are gone. Thank you!”
E.C.Summer 2022
“The people that work there are the most caring and your company is truly honest and respectful and trustworthy and I will be very happy to recommend to anybody that has serious debt problems.”
J.L.Summer 2022
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Why National Debt Management?

Having started out as a community financial resources office in Southfield, MI, it was our goal to provide financial education and debt resolution to individuals nationally. As word of mouth spread, and our team grew, we achieved our dream! Now more than 15 years later, we are still a not-for-profit agency, but we are helping individuals across the nation achieve their dream of becoming debt free!

Learn More About Our Variety of Debt Relief Solutions

Talk to a Licensed Counselor 888-960-5303

17520 West 12 Mile Road Suite 105 Southfield, Michigan 48076

Toll Free: 888-960-5303

Fax: 248-200-2108 9am-5pm EST

National Debt Management is not a loan company, we do not lend money.

Accredited 501(c)(3) Non-Profit Credit Counseling Agency

Michigan License No. 0014319

* Under our debt resolution program, estimates are based on prior results, which will vary depending on your individual program terms and your specific enrolled creditors. We cannot guarantee that we will be able to resolve all of your enrolled accounts or that we will be able to resolve them for a specific amount or within a specific period of time. Not all of our clients will be able to complete our program for any number of reasons, including, but not limited to, their ability to save enough money during the term of their program. Under our program, we do not assume the liability for your enrolled accounts, and unlike our debt management programs, should you choose to enroll in a settlement programs, we do not make monthly payments to your creditors. Failing to make timely payments to your creditors on your enrolled accounts will likely adversely affect your creditworthiness, increase the outstanding balances due to the accrual of interest charges, penalties and late fees, and may subject you to collection actions or lawsuits by your creditors. However, the repayment agreements that we may negotiate on your behalf will resolve the entire outstanding balance on that account, including any interest, penalties or fees accrued during your program participation. Any amount of debt forgiven by your creditors may be subject to income tax, and you should consult with an accountant or attorney regarding the potential tax consequences of paying less than the full amount owed on your enrolled accounts. We do not provide tax, accounting, legal or bankruptcy advice. We are not a credit repair company, and we do not provide credit repair services. You should carefully read all program materials prior to your enrollment to be sure you fully understand the terms and conditions of our program. Our program is not available in all states, and our fees vary by state.

** Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt settlement companies. If we know that to be the case, we generally won’t enroll the account into your program.