Tell us where things stand
A debt specialist reviews your balances, income, and what's realistic for your budget. This call is free and there's no obligation to enroll. We'll tell you honestly if settlement isn't the right fit for your situation.
Get a personalized plan
If debt settlement makes sense, we build a program around a monthly deposit amount you choose — set into a dedicated account that stays in your name, not ours.
We negotiate, you approve
As your dedicated account builds, your advocate reaches out to each enrolled creditor to negotiate a reduced payoff. You review and approve every settlement before any payment goes out — you're never bound to a number you haven't accepted.
Track your progress, debt by debt
Your client portal shows every settlement reached, every fee charged, and what's left to resolve — so you always know exactly where you stand.
Graduate debt-free
Once your enrolled debts are resolved, you're done — no balloon payments, no renewal fees, no surprise step at the end.
What to expect along the way
Debt settlement asks you to redirect funds that would have gone to minimum payments into your dedicated account instead. That tradeoff is what allows negotiation to happen, but it also means your situation may look like this for a while:
- Creditors may continue to contact you while your account builds toward a settlement.
- Your credit score will likely decline during enrollment, particularly early on.
- Some accounts may go to collections, and in limited cases, creditors may pursue legal action.
- You'll see fees only after a settlement is reached and you've approved it — never before.
Questions people ask before enrolling
No. NCDA, Inc. is a debt settlement company, not a law firm, and we don't provide legal advice. If your situation involves an active lawsuit or requires legal representation, we can refer you to independent legal counsel.
Most clients see their credit score decline, at least temporarily, since enrolled accounts typically stop receiving regular payments while funds build for settlement. Many clients see scores recover over time as enrolled debts are resolved and paid off.
We never charge a fee before we've reached a settlement on an enrolled debt, you've approved it, and at least one payment has been made under the new terms. Fee structure and total cost vary by state and by program — your debt specialist will walk through exact numbers before you enroll.
It's possible. Enrollment doesn't prevent a creditor from pursuing legal action. If that happens, tell your advocate immediately — we can also refer you to independent legal counsel familiar with consumer debt litigation.
Debt consolidation typically uses a new loan to pay off existing balances in full, at a different interest rate. Debt settlement instead negotiates each enrolled balance down to less than what's currently owed. They solve different problems and fit different situations — a debt specialist can help you figure out which one (or neither) fits yours.
Most clients are enrolled for somewhere between 24 and 48 months, depending on total debt, monthly deposit amount, and how creditors respond to negotiation. Your specialist will give you a realistic estimate based on your actual numbers, not an average.
Ready to see what your numbers look like?
A free consultation gives you a real estimate — not a guess — based on your actual debts.
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