Get the weight of your debt off the books.
NCDA helps people resolve credit card and unsecured debt for less than they owe — with one monthly plan you can actually afford, and a dedicated advocate working your file from day one.
No upfront fees. Free, no-obligation consultation. Available by phone or online.
One advocate. One plan. One monthly payment.
Instead of juggling minimum payments across multiple cards and creditors, you make a single deposit each month into a dedicated account in your name. As that balance builds, your NCDA advocate negotiates directly with your creditors to settle each enrolled debt for less than the full amount owed.
You stay in control the entire time — you approve every settlement before we move forward, and you can track your progress at any point.
See the full process →Real negotiation, not a script
Our advocates negotiate creditor-by-creditor, file-by-file — not a one-size-fits-all formula.
You approve every settlement
Nothing is final until you say yes. You're never locked into a number you haven't agreed to.
Built around your budget, not a sales quota
A plan that fits your income
We build your monthly deposit around what you can realistically sustain — not the highest number we can get you to agree to.
You see the ledger, always
Every dollar saved, every settlement reached, and every fee charged is visible to you in your client portal.
A dedicated point of contact
You're not routed to a new rep every call. Your advocate knows your file and your goals.
People who got their balance back to zero
"I stopped dreading the mailbox. My advocate explained every step before it happened, and I never felt pressured."
— Client, Program Year 2
"Having one number to call instead of six different banks changed how I slept at night."
— Client, Program Year 1
"I was skeptical at first. The first settlement coming through and seeing the real number made it real."
— Client, Program Year 3
Find out what your debt could resolve for.
A free, no-obligation consultation takes about 10 minutes. No upfront cost, no pressure to enroll.
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