How will you know if your financial situation warrants enrollment in NFDM's debt management program? 

Start by taking a good look at your finances. Are you making only the minimum payments on your credit cards? Do you regularly spend more than you make? Do you have difficulty balancing your budget?

We have provided financial support tools and educational materials on this site to help you answer those questions and make a decision about the level of assistance you require.

If you do determine that you are a candidate for debt management,:

1. Visit the Get Started section of this Web site to apply using secure, 128 bit encryption technology (page will open in a new window); or,

2. Call us at 866.409.6336. We will be more than happy to answer any questions you might have about your financial situation and walk you through the enrollment process. Our certified credit counselors are available Monday through Friday, 9 am to 7 pm (EST).

We look forward to hearing from you, and helping you get back on track toward a healthy financial future.