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  • UNDERSTAND Your Future...

    UNDERSTAND Your Future...

    With NFDM Financial Education Programs

    Learn More
  • BUILD Your Future...

    BUILD Your Future...

    Home Buyer and Homeowner Counseling

    Start Building
  • CONTROL Your Finances

    CONTROL Your Finances

    See How NFDM Can Help You

    Take Control
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Certified Debt Help & Housing Counseling

NFDM: Personalized debt management & help for homeowners

Debt Management

Is Credit Card Debt Holding You Back?

Credit card debt tends to cause problems for consumers because the bill requirements increase right alongside rising debt levels. If more and more of each paycheck is going to paying off credit card debt and you don’t really seem to get anywhere, NFDM can help you develop a customized debt management plan to eliminate debt so you can regain your financial control.

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Cut your monthly debt payments, improve your budget

A debt management plan can significantly reduce the amount of money you spend every month on credit card debt. You have more money available to cover other expenses in your budget and even to save up for a rainy day.

Reduce or eliminate high interest charges and penalties

We’ll negotiate with your creditors to waive any penalties that have been applied to your accounts, as well as to reduce or completely eliminate your interest rates. You can get out of debt faster, even though you pay less each month.

Get Started

Housing Counseling

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Whether you’re buying a home, taking advantage of equity or in financial distress and looking for ways to avoid mortgage default and foreclosure, a HUD-certified Housing Counselor can help you understand your options so you can move forward.

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Reverse Mortgage Counseling

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If you are at least 62 years or older, you may be eligible for a reverse mortgage. A reverse mortgage is a loan that allows senior homeowners to access a portion of their home's equity to supplement their retirement income. A HUD Certified reverse mortgage counselor can help you understand how a reverse mortgage works and if it is right for you.

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Copyright © 2025 National Foundation for Debt Management. All rights reserved.
13921 Icot Boulevard, Suite 706, Clearwater, FL 33760
844.750.8296  P 727.254.5353  Fax 727-674-1527  [email protected]
We are not a loan company. We do not lend money.
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