Debt reduction is a popular bankruptcy alternative.  Its benefits include:

-Attorney managed

-One low monthly payment

-Reduction of amount owed and achieve savings in the process

-Resolve debt generally within 24-48 months


The benefits of an attorney managed program include:

1)     Creditors by law are not allowed to contact you if you have an attorney; they must contact your      


2)     Federal law allows consumers to recover their actual damages, statutory damages up to $1,000 plus

        attorneys fees and costs for violations of your rights under the Federal Credit Protection Act

        involving, among other things, unlawful collection efforts. 


Debt Reduction Process

The debt reduction process involves the following:

  • We work with you to develop a debt analysis and budget to customize a debt reduction program for you.  We work with you to develop an affordable low monthly payment and term that works for you that replaces the monthly payment you might otherwise make to your credit card company.  Your monthly payment with us is generally significantly less than your current credit card payment. 

  • Once you have accumulated sufficient amounts in your settlement savings account, we contact your creditors to negotiate resolutions on your enrolled debts.

  • Once agreement is reached between the law firm and your creditor on the negotiated balance owed, the law firm issues a check to the creditor from your settlement savings account which resolves your debt.




1. Get organized: Call us for a no-obligation consultation.

2. Get informed: We’ll look at your total financial picture, complete your creditor and budget analysis, and review all available options.


3. Select a program: Together we will determine which debt relief option is right for you.

4. Choose a payment: We’ll work with you to establish a single, affordable monthly program payment that works within your budget.


5. Stay committed: Graduating from a debt relief program and becoming debt free is life changing.

Need more details? Contact us

We are here to assist. 


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*Actual results will vary based on individual situations and your ability to save sufficient funds. Settlement calculations and results demonstrated within are examples of past performance and are not intended to be a guarantee of any future settlement results. The National Credit Card Relief program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Success in our program is highly dependent on your ability to save a specified amount consistently each month. Our services aren't available in all states. Please make sure you review and understand all program materials before you enroll. National Credit Card Relief Programs are intended for individuals facing a financial hardship.