At National Fidelity Financial, our seasoned debt experts analyze your financial profile to identify the right path forward. From personalized financial planning to hands-on negotiations with creditors, we make sure you’re never navigating debt alone.
Thanks to our strong lender relationships, we offer private loan access even for clients with less-than-perfect credit. This ensures your chances of getting approved — and getting relief — are much higher than going it alone.
Debt Relief Doesn’t Have to Be Overwhelming
We know debt can feel heavy — but there are real, proven solutions available. Below we explore the major options and how they might fit your unique situation.
Debt Consolidation
What it is: Combining multiple debts into one loan with a single monthly payment.
✔ Pros
- Simplifies payments
- May lower interest rates
- Reduces number of creditors
✘ Cons
- May require collateral
- Could cost more long-term
- Doesn’t lower total debt
Debt Settlement
What it is: We negotiate with creditors to settle your debt for less than you owe. A legal and proven strategy for faster resolution without bankruptcy.
✔ Pros
- Reduce principal owed
- Faster debt freedom
- Lower total repayment
- No need for high credit score
✘ Cons
- Can impact credit score
- Not all creditors agree
- Fees may apply
Bankruptcy
What it is: A legal process that discharges most of your debts, giving you a fresh start.
✔ Pros
- Clears most debts
- Stops creditor harassment
- Chapter 7 is fast
✘ Cons
- Hits credit hard
- Not all debts wiped
- Legal costs apply
How to Choose the Right Option
Assess Your Situation
Know how much you owe, what your interest rates are, and which debts are most urgent.
Calculate Total Costs
Don’t just look at monthly payments — weigh interest, fees, and the total payoff time.
Talk to a Professional
Get advice from our debt experts — not generic internet calculators.
Understand the Risks
We’ll help you weigh legal risks, credit impact, and any collateral requirements.
Getting Started Is Easy
Take the first step toward financial freedom — no fees upfront, no obligation.
Get Started Today