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Important Disclosures

The information below is meant to make sure you understand the tradeoffs of debt settlement before you enroll — please read it alongside your program agreement.

Before you publish this page: the disclosures below cover common debt-settlement disclosure themes (FTC Telemarketing Sales Rule concepts, credit impact, fee structure) in general terms. They are a starting point, not a compliance document. Have qualified counsel confirm exact required language and add real state license/registration numbers for every state NCDA operates in before this goes live.

General Program Disclosures

  • NCDA, Inc. is a debt settlement company. We are not a lender, loan broker, credit repair organization, credit counseling agency, or law firm.
  • We do not assume, pay, or take ownership of any client's debt, and we do not guarantee that any specific debt will be resolved for a specific amount or within a specific timeframe.
  • We charge no fees until a settlement has been negotiated on an enrolled debt, you have approved that settlement, and at least one payment has been made toward it.
  • Enrolling may cause continued creditor or collector contact, additional fees and interest on enrolled accounts, collection activity, and in some cases lawsuits.
  • Enrolling is likely to lower your credit score, particularly during the early part of the program.
  • Some third-party fees (such as bank fees on a dedicated account) may apply separately from program fees.
  • Services are not available in every state and may be limited by state law.

State-Specific Information

[Replace this table with NCDA's actual state-by-state registration, licensing, and bonding information once obtained. Many states require specific disclosures or licenses for debt settlement companies — confirm requirements state-by-state with counsel before operating there.]

StateRegistration / License No.Notes
[State 1][License #][Any state-specific terms]
[State 2][License #][Any state-specific terms]
[State 3][License #][Any state-specific terms]

Non-Discrimination

NCDA, Inc. does not discriminate on the basis of race, color, religion, sex, marital status, national origin, ancestry, age, or disability.