Our Debt Reduction Program

Our Debt Reduction ProgramAlthough we at Nationwide Debt Reduction can negotiate all types of debt, most Americans wanting debt help need it most for credit card debt. In fact, the average American family today has 5-10 credit cards, with a total debt balance of $38,450.

Making a little more than minimum monthly payments (4% of the balance on $38,450) would take you 208 months or 17.3 years to pay off with a 18.9% APR. Total interest paid would be $16,890.87. Your total amount paid would be $56,340.87, and that is if you never used the cards again.

Our Debt Reduction Program is a hands-on solution that will help you:

  • Cut your principal by 50% or more
  • Cut your current monthly payment by as much as half
  • Cut the time frame from about 17 years to an average of 3 years or less
  • Protect your rights under the Fair Debt Collection Practices Act
  • Stop creditor harassment.


Debt Relief is PossibleMany of your creditors are counting on the fact that you don’t know the collection laws.

They may use this against you with tactics of
intimidation and harassment and it can make your life miserable.

Don’t let that happen to you! Many of their tactics are illegal, and we know how to help.
Relief is Possible!

Our program is based on your ability to comfortably make your payments each month. As your money builds in an account, we will approach your creditors and settle your debts for pennies on the dollar.


If you are interested in a free, confidential, no obligation debt consultation, simply go to the “getting started” tab or click here and tell us more about you. You will be contacted within 48 hours of your submission. If you need immediate assistance, you can reach us directly at 800-890-6658.

You can still opt for one of the consumer credit counseling/non-profit organizations. This is a fairly well advertised option and there are more than 2,000 such companies. With this option, you will repay the full principal and a get a break on the interest rate. The only benefit to this option is a reduction in interest costs. Whereas you would pay a total of 3 times the principal by making minimum payments on your own, you will pay the principal, plus just a few thousand more in interest, saving you time and money. Although there’s a monthly contribution calculated (usually around $35), your monthly payments may be lower.

Most importantly, you should be aware that the credit card companies are the Number One contributors to these non-profit organizations (and actually helped set them up about 12 years ago when they saw credit card default on the rise). When working with a non-profit organization, please be aware that you are working hand-in-hand with the creditor.

There are disadvantages to this option. One of the main aspects you should know about taking this option is the impact it would have on your credit. Most organizations automatically state on your credit report that you are participating in their debt management program. It will show up immediately and stay there for 7 years after you pay off the debt. Many potential creditors view your participation in these programs in the same light as they view a Chapter 13 bankruptcy.

Get a no-obligation consultation on our Debt Relief program today.

“If my wife and I had not gone through this program with NDR, I am certain we would have had to file for bankruptcy and would have ruined our lives for the next ten years.”
Jim and Nancy Sidoni, Glendale, CA.