National Debt Relief


Overall Score

15 User Reviews

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National Debt Relief specializes in debt settlement services and boasts a number of accreditations. They work with both unsecured and secured forms of debt. The company has quite the record of settling debts between 30 to 50 percent less than what their clients owe. Many customers frequently complain about always speaking to a different person every time they call in, causing some friction in the customer experience. Additionally, fees are relatively low but have the potential to be higher than the industry average.

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15 User Reviews

The Good

  • Great Service
  • Other Types of Debt
  • Industry Accreditations

Great Service

National Debt Relief offers great features including:

  • 20 percent fee (competitive within the industry)
  • Free consultations over the phone
  • $7.5k minimum debt required (industry average)

Past clients of National Debt Relief have indicated that they appreciate the transparency offered by the company, the speed of debt resolution, reasonable costs, and professional level of support. Additionally, some reviews from former National Debt Relief customers who had canceled their service mentioned receiving unexpected refunds.

Other Types of Debt

National Debt Relief works with not only unsecured debt, but also some forms of secured debt as well, including private student loans, which is rare in this industry.

Industry Accreditations

Another great aspect about National Debt Relief is their industry accreditations with the AFCC, and the IAPDA. National Debt Relief is also compliant with the FTC. These accreditations help legitimize the organization and ensure companies follow consumer-friendly best practices.

The Bad

  • Short Time in Business
  • No Permanently Assigned Rep
  • Poor Customer Reviews

Short Time in Business

One concern with National Debt Relief is that they have only been in business since 2009. While this is not a major problem, it is shorter than many competitors.

No Permanently Assigned Rep

It appears that National Debt Relief does not have one representative assigned to each individual client's case. This can be frustrating for those who call in to talk about their situation or case because they will often talk to a new representative each time. This can cost both the company and the clients' time and cause frustration.

Poor Customer Reviews

The most common complaint against National Debt Relief is that each time the client calls in; a different representative takes the call. This can lead to an inconsistent level of service and support, along with clients feeling that nobody really cares about their situation. This is especially frustrating when attempting to resolve a cancellation or a complicated debt situation. 

The Bottom Line

National Debt Relief could be a good option for those looking to obtain relief from secured debt, and we encourage those who may benefit from this to take advantage of their free consultation. For customers who have unsecured debts only, we recommend looking at other options before choosing National Debt Relief.

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