Is National Debt Management Involved in Settlement or Are They an Advertising Victim?

A tipster (send in your tips here) sent in the following screenshots and appeared to think the IRS 501(c)(3) non-profit credit counseling company National Debt Management out of Michigan is engaged in some type of debt settlement.

On face value, National Debt Management seems to be teed up to be eligible for Google’s new Adsense advertising policy where debt relief companies need to be both non-profit and U.S. Trustee Program approved for offer bankruptcy counseling or education.

But the screenshots sent to me are Facebook advertisements.

The one below seems typical enough for a non-profit credit counseling agency.

But the issue or reader concern or confusion appears to be with the additional advertisement below.

This one uses the name and logo of National Debt Management and says “How Americans Are Paying Back Only a Fraction of Their Debt Balance” which seems to at least infer settlement.

Here is where it gets confusing. is the actual URL for the nonprofit credit counseling group but the advertisement uses which goes nowhere.

To make things even stranger, the domain was only registered in 2017 by a David Hall from Carlsbad, California. Not from Michigan where the non-profit is located.

I have reached out to National Debt Management and asked them to respond to this post. I’d say there may be a better than even chance their logo and close version of their name has been spoofed to run Facebook advertising for some settlement offer.

We shall see what they say and if they do respond I’ll post an update.

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