National Debt Cure offers several options. The impact on your credit score depends on the type of debt relief option you choose. Some options, like a consolidation loan, can actually help improve your score by making it easier to manage your debt and potentially lowering your overall interest rate.

Other programs—like debt settlement or credit counseling—might have a temporary negative impact on your credit score. This is typically a short-term effect, and with the right steps and financial education, you can work to rebuild your credit score as you progress through the program. Our financial education component helps guide you through that process, giving you the tools to improve your score as you move forward. Ultimately, the key is selecting the right option that aligns with your goals and ensures long-term financial health.

No, you don’t have to enroll every single credit card, but we do recommend including all your qualifying debts in the program to get the best results. This is especially important because there are different debt resolution paths to choose from, and each comes with its own criteria. Some options, like debt settlement, may allow you to include only certain types of unsecured debts, while others, like debt consolidation, may involve combining your debts into a single loan. By enrolling all your qualifying debts, you create a more comprehensive strategy that ensures we’re able to work with all your creditors effectively and find the most efficient way to resolve your financial situation.

Each program is tailored to your unique circumstances, and our team will help you determine which path is best suited for your needs. The key is making sure all qualifying debts are considered so we can craft a solution that maximizes your chances of success and minimizes the stress of managing multiple payments. Ultimately, the more complete your enrollment, the more streamlined and effective the debt resolution process will be.

Once you enroll in a debt resolution program, we move quickly to start addressing your debts. Typically, your creditors will be contacted within a few business days. However, the exact timing can vary depending on which option best fits your needs—whether it’s debt settlement, consolidation, or another solution. We’ll reach out to your creditors on your behalf to negotiate better terms or settle the debt, and we’ll guide you every step of the way to ensure the right approach for your situation. Our goal is to get the process moving as soon as possible, so you can start seeing progress and feel more in control of your financial future.

Great news! With all of our programs—except bankruptcy filing—you won't have to pay anything upfront. That means you can start working on your financial freedom without worrying about fees preventing progress. For example, with debt settlement, there are zero upfront fees. You only pay when we've successfully settled your debt, and the fee is typically between 17% and 25% of the amount saved. This approach allows you to get the help you need, with no financial burden until you start seeing real progress. We're here to help you every step of the way as you move toward a debt-free future!