National Foundation for Debt Management explained

The National Foundation for Debt Management (NFDM) is a United States credit counseling agency. The organization is incorporated, but is organized as a non-profit.^[1] This group focuses on consumer education on debt practices.^[2] They also focus on distributing personal finance information to the public.^[3]

Notes and References

1. http://www.bbb.org/west-florida/business-reviews/credit-debt-consultants/national-foundation-for-debt-management-in-clearwater-fl-6151589 Better Business Bureau Report
2. http://money.howstuffworks.com/personal-finance/debt-management/national-foundation-for-debt-management.htm How Stuff Works
3. https://nationaldebtadvice.org.uk National Debt Advice