Terms of Service

These Terms of Service constitute a legal agreement between you and National Debt Compliance Center ("NDCC"). By accessing our website and utilizing our services, you agree to be bound by these terms. If you do not agree, please do not use our services.

NDCC is a debt relief agency that provides debt relief services including debt assessment, negotiation, settlement, and financial counseling. We help individuals manage their debt through negotiation and settlement. We are not a law firm and cannot provide legal advice.

Results are not guaranteed. Individual outcomes depend on various factors including creditor cooperation, financial circumstances, and program adherence.

We do not:

• Provide credit repair services
• Assume consumer debt
• Make monthly payments to creditors
• Provide tax, bankruptcy, accounting or legal advice
• Guarantee specific debt reduction amounts or percentages
• Guarantee you will be debt-free within a specific time period

As a client, you agree to:

• Provide accurate and complete financial information
• Maintain communication with NDCC about your program
• Follow the debt management plan as agreed
• Set aside funds for debt settlement as recommended
• Notify us of any changes in your financial situation
• Not misrepresent information to creditors

NDCC operates on a performance-based fee structure:

• No upfront fees are charged
• Fees are calculated as a percentage of debt reduced or settled
• Fees are typically 15-25% of negotiated savings
• You only pay fees when settlements are successfully achieved
• All fees will be disclosed in your service agreement

NDCC will:

• Negotiate with your creditors on your behalf
• Work to reduce your debt burden
• Keep you informed of settlement negotiations
• Comply with all Fair Debt Collection Practices Act (FDCPA) regulations

Please note that creditors are not obligated to accept our settlement proposals. Collection activities may continue during the program period.

Debt relief programs may negatively impact your credit score in the short term. However, this impact is typically less severe than other alternatives such as bankruptcy. Your credit score may recover within 18-24 months after program completion as negative marks age off your credit report. Please read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.

NDCC is not responsible for:

• Creditor decisions to reject settlement offers
• Legal actions taken by creditors
• Changes in your financial circumstances
• Decisions made by collection agencies
• Tax implications of debt settlement

For tax implications, please consult a tax professional. For bankruptcy information, please consult with a bankruptcy attorney.

Either party may terminate the service agreement with written notice. Upon termination:

• NDCC will cease debt negotiations
• Final accounting will be provided
• All settlement documentation will be provided to you

Any dispute relating in any way to your visiting this website or your use of any of the Services shall be submitted to confidential, binding arbitration. Arbitration shall be conducted under the rules of the American Arbitration Association. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction.

You have the right to opt-out of the arbitration agreement. If you choose to opt-out, you must notify us in writing within 30 days at: support@nationaldebtcompliancecenter.com

NDCC reserves the right to change any of the terms, conditions, and notices under which our Services are offered. You are responsible for regularly reviewing these Terms of Service. Your continued use of our Service constitutes your agreement to all such terms, conditions, and notices.

If you have questions about these Terms of Service, please contact us at: