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National Debt Relief

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1,083 User Reviews

8.0

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LAST UPDATED: October 20th, 2021

National Debt Relief is one of the largest debt settlement companies in the nation. Its goal is to help clients re-establish financial stability and peace of mind in the least amount of time possible.

The company works hard to ensure a positive experience with proven results through education and individual customer care. It has a $7,500 minimum debt requirement.

National Debt Relief wants individuals to achieve freedom from financial debt by receiving debt reduction services and financial consultations so that they will stop drowning in debt and will continue to live debt-free.

Many debt relief 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 (18 to 25 percent of total enrolled debt) but are slightly higher than the industry average.

The company has quite the record of settling debts between 30 to 50 percent less than what its clients owe.

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The Good

  • National Debt Relief Cost
  • Great Service and Settlement Program
  • Referrals For Debt Consolidation
  • Other Types of Debt
  • Industry Accreditations
  • Money-Back Guarantee
  • Availability
  • Additional Services

National Debt Relief Cost

Positive National Debt Relief reviews indicate that NDR has a low cost (18-25 percent of total debt), which is one of the reasons some customers love the company. National Debt Relief works with all unsecured debt and some cases of student loans. 

Many debt relief companies may not be able to help with student loan debt, so it's unique that National Debt Relief helps with this on a case-by-case basis.

If a customer enrolls $100,000 of debt in NDR's debt settlement program, the company can generally cut the debt by 50 percent, making your debt $50,000 instead of $100,000. If you add on the 18 to 25 percent cost for NDR's debt settlement services, you'll pay between $68,000 and $75,000.

Customers should be aware that cost is difficult to forecast because of the variables of each individual financial situation. To accurately measure cost, company employees must take into account the determination of creditors, the customer's credit score, the amount of debt, and state laws governing percentages that can be charged.

Approximate cost is usually determined in a free, no-obligation consultation with a debt expert. By law, no debt settlement company can charge upfront fees. Instead, payment isn't required until after debt is settled. Most companies allow a monthly payment plan, as is the case with National Debt Relief.

Potential clients should take advantage of the free consultation to learn about specific cost information for their situation.

Great Service and Settlement Program

National Debt Relief offers great features including:

  • 18-25 percent fees (competitive within the industry)
  • Consultations with no fees attached
  • $7,500 minimum debt required (industry average)

Past National Debt Relief clients 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.

But how exactly does the National Debt Relief program work? The debt settlement program or settlement process is three-way; it involves the debtor (you), the settlement company, and the creditors.

With NDR, customers can expect to settle any type of unsecured debt (student loan debt, medical debt, credit card debt, etc.). Unsecured debt does not have any property attached to it as collateral (such as home loan debt or car loan debt).

It is important for customers to carefully monitor their credit score and credit report. Note that the nature of debt settlement will involve moderate to heavy penalties on your credit score.

Debt settlement companies generally have clients stop making payments so that the lenders become more willing to start debt negotiation. Stopping to make even minimum payments will affect your credit.

Instead, clients pay money into a savings account each month. The money in the account will be used in the settlement agreements with creditors. Once the debt is settled, the client's credit report will show that the debts were settled, not paid in full.

Many settlement companies, including National Debt Relief, do not provide credit repair or credit monitoring services.

Those considering a debt settlement program should be aware that loan forgiveness counts as taxable income. It's important to be prepared to pay taxes on forgiven debt when going through the process.

The challenge for the settlement company is to weigh the debtors present and future financial situation against the patience and requirements of the creditors. The fact that NDR is generally providing quality customer service while navigating the testy relationship between the creditors and debtors is significant.

Those with credit card debt, medical debt, and unsecured loan debt will find that NDR understands how to get ahead of creditors.

Referrals For Debt Consolidation

There are two debt solutions in the debt relief industry: debt settlement and debt consolidation. Sometimes a debt consolidation program is really a debt management program. In these programs, a debt counselor helps clients create a repayment plan and stick to it. A repayment plan may include a strategy like finding ways to save more money or increasing your monthly payment toward one or several debts to reduce the amount owed faster.

If National Debt Relief discovers that its settlement services aren't right for you, NDR will refer you to Liberty Lending for a debt consolidation loan.

The difference between a good debt settlement program and debt consolidation loans is that a consolidation loan will weigh less heavily on your credit report because you pay the debt in full while debt settlement will aim to settle your debts at a fraction of the total money owed (sometimes as low as 30 percent of your total enrolled debt).

For debt consolidation, the company puts all of your debts into one monthly payment and tries to negotiate lower interest rates with debtors, making it easier for you to track and pay your fees.

This tactic of handling debt is also referred to as a debt management plan or debt management program. These terms are more accurate because most consolidation companies help with debt management and do not offer consolidation loans to their clients. Debt management programs also offer clients counseling services which can help them avoid future debt problems and minimize unexpected financial hardship.

However, some people are in too much debt to use debt consolidation programs; this is the reason for debt settlement plans. If you decide to settle your debt instead of figuring out a payment plan, National Debt Relief is a good option.

The debt settlement fees from National Debt Relief (at 25 percent) are slightly higher than typical fees in the industry, but if the National Debt Relief program can get your fees down below 18 percent (a low among industry fees), you should consider using its debt settlement services.

In your search for the right debt management company, be sure to give lower fees a high priority. However, it is important to take into account how much NDR can lower the total debt from your creditors.

Creditors have been known to settle with debt settlement companies for around 30 percent of the total debt amount. To figure out how much this will cost the debtor total, you must add the company’s fees (around 18 percent) to the debt settlement amount (between 30 and 50 percent). This means the customer will likely pay around 50 to 70 percent of the total debt amount.

Because National Debt Relief refers clients whose financial situations are better suited to consolidation, potential clients can trust National Debt Relief to put their interests before its business interests.

Other Types of Debt

National Debt Relief focuses on helping customers in trouble with unsecured debt creditors, like credit card companies, but also some forms of debt as well, including private student loan debt, which is rare in this industry.

Many debt relief companies work solely with customers with unsecured debt. Additionally, the company claims to offer debt consolidation services (which do require higher credit scores), another rare occurrence in the debt relief industry.

Once NDR identifies a customer's type of debt and verifies that it can help with that specific problem, the customer will open a special savings account in their name. Instead of paying your creditors, you will deposit your money into this private savings account. These funds are then used to pay the settlement.

Industry Accreditations

Another great part about National Debt Relief's service is their industry accreditations with the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). National Debt Relief is also compliant with the Federal Trade Commission (FTC).

These accreditations help legitimize the organization and ensure debt settlement companies follow consumer-friendly best practices.

Money-Back Guarantee

A money-back guarantee is a must-have in the debt settlement industry. National Debt Relief offers a 100 percent money-back guarantee. Companies offer money-back guarantees and take preventative measures in order to lessen the risk you take.

The fact that debt relief companies rarely guarantee a time or price range for settlement negotiation makes customers a bit hesitant.

To combat this, most debt arbitrators will check your credit report and ask for income information in order to ensure more accurate rates.

Availability

National Debt Relief's debt settlement and debt consolidation services are available in 41 states and territories, a higher availability than most debt relief companies. The company is not available in Connecticut, Illinois, Kansas, Maine, New Hampshire, Oregon, South Carolina, Vermont, or West Virginia.

Additional Services

National Debt Relief provides additional services for those customers who would be better served by not using debt settlement. Some customers would prefer debt consolidation, bankruptcy, or simple financial education services. Of course, if one can get out of debt on their own, one should try to do so.

If a customer needs help deciding whether bankruptcy is a good option (and whether to file chapter 7 or chapter 13), National Debt Relief will counsel customers on the right path forward.

The company also provides extensive financial education services to help you stay on your feet after you get out of debt.

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The Bad

  • Short Time in Business
  • No Permanently Assigned Representative
  • Few Additional Services

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.

Additionally, the company has only been offering in-house debt settlement services since 2017, so you might not be able to deal with as many debt settlements experts at NDR as opposed to other debt settlement companies (the same goes for the company's debt consolidation services).

Usually, when customers approach the debt settlement program, it is with reluctance, poor credit scores, and few assets; this means that those with high credit card bills or medical bills are risking their credit scores on a company with lower experience than other debt relief companies.

However, those in risk of bankruptcy are still better off with NDR, as credit scores usually bounce back faster following debt settlement as opposed to the increase of credit score following bankruptcy.

No Permanently Assigned Representative

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 with creditors or to view case information because they will often talk to a new representative each time.

Not every customer has the same type of debt or financial situation; one customer might have high student loan debt while another might have credit card debt. This can cost both the debt settlement company and the client time and cause frustration.

Independent of whether you have student loan or credit card debt, not having an assigned representative or a credit counselor can make the whole process harder to handle.

Because debt collectors are constantly harassing you, it's always good to have someone familiar to talk to about your situation. You are also more likely to get sincere customer service from companies that offer assigned reps. Every debt relief company should assign a personal rep.

Few Additional Services

The company's disclaimer states that it does not make payments to creditors, provide tax, bankruptcy, or legal advice. Some debt relief companies (both debt settlement and debt consolidation companies) provide such services in addition to the debt relief services offered. For example, if you are overwhelmed by secured debts, National Debt Relief's services may not be available to you.

Additionally, NDR does not offer credit repair services. Such financial and legal services can be extremely useful, as debt settlement will result in a lower credit score and has been known to prompt the occasional lawsuit against the debtor.

However the specialization in debt settlement is especially valuable for clients because it means that the company focuses its energy on offering quality negotiation services.

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The Bottom Line

There are many settlement companies to choose from. National Debt Relief is a good option for those looking to obtain relief from credit card debt and even student loans because it can negotiate a settlement that is 30 to 50 percent lower than the total debt owed. We encourage those who may benefit from this to take advantage of their free consultation. Be aware of the effects of the debt settlement process on your credit score and credit report. However, if you're considering filing for bankruptcy, debt settlement can be a good alternative.

The company didn't start negotiating credit card, medical, or unsecured debt in-house until 2017 (this means NDR might not have as much debt experience as other settlement companies).

Customers with bad credit scores due to high credit card debt, medical bills, and unsecured loans such as personal loans will find National Debt Relief helpful. Customers should note that a lower credit score is a likely outcome with settlement services and should carefully weigh the benefits of debt settlement with the negatives of a lower credit score.

Customers should know that National Debt Relief typically charges its clients 18 to 25 percent of the total amount of money owed for its settlement services. Before committing to National Debt Relief's debt solutions, customers should ask for specific cost information during their free consultation.

We recommend customers consider National Debt Relief as an alternative to bankruptcy because of its strong history of negotiating good settlements for its clients.

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4.5

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1,083 Reviews

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72%

4 grade

14%

3 grade

6%

2 grade

2%

1 grade

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Regina Rigdon Fort Worth, TX

Making the call was one of the hardest things I’ve had to do. Acknowledging I’ve gotten my life into a poor financial situation was shameful to admit. From the moment the NDC agent answered there was relief simply because they were kind and helpful all without judgement. The process of them gathering information was very easy. Taking this step has turned out to be a life changing. They approach the agent you work with is professional yet understanding. It’s been a pleasure working with NDC. They have made the steps and quickly got the creditor calls eliminated and working out the payment arrangements has eliminated allot of stress. I am forever grateful to NDC.

5 hours ago

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Carol L Gorski Drexel Hill, PA

Very friendly representatives. Anytime I was panicked I was put at ease by one of NDR's representatives who was patient, kind, and very informative. My first of three debts has been resolved for a mere fraction of what my debt totaled. I am beyond pleased. It was resolved within the same year I applied for help. Thank you so much. I HIGHLY recommend National Debt Relief; you will not regret it.

3 days ago

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Alicia Ruedas Las Vegas, NV

What I like about national debt relief is there able to help me get rid of my debt. What I don't like about national debt relief which is why they're getting a minus one star is that have to have at least 25 to 45% of your money collected in their account system in order to pay your off your debt. Right now I'm having a situation with them. I need them to pay off my University of Phoenix school debt, not student loan. I have been in this problem for a while now with the national Deb relief and they're not listening to me on paying them off first. They able to pay off four things first before them. When I told them I need that paid off first in order for me to get my Master's degree and get my official transcripts. That's the one problem I'm having with them right now and that's it. Other than that they're a good company.

3 weeks ago

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TJenk Pittsburgh, PA

This company is empathetic and professional. If you stick with the plan they present the time just flies by. I do suggest logging on regularly to keep up with your account balances and continuing to ask questions regarding the progression. The team is more than happy to assist and answer any questions. They are a great alternative to bankruptcy. Take a deep breath and jump in.

3 weeks ago

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Reply from National Debt Relief

Hi, thank you for the review. We love when our clients take time to let us know how happy they are! We’re happy you experienced our best-in-class service and results, and we hope to keep on delivering.

Oct. 6th, 2021

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Louise Gatti Appleton, WI

They have handled my debt for 35 months, I'll be debt free in 11 months if all goes well. Every call made to NDR has been excellent, the person I talked to knew my situation completely and they were very understanding of what was happening at that time. There is a light at the end of all this, they help you walk through the financial challenge, good to know there is someone in your corner helping you get out of debt.

3 weeks ago

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Reply from National Debt Relief

Hi Louise, thank you for the review. We love when our clients take time to let us know how happy they are! We’re happy you experienced our best-in-class service and results, and we hope to keep on delivering.

Sep. 30th, 2021

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Noble Germantown, NY

When I joined the program in Feb 2020, I was drowning in unsecured debt. My ex-wife and I had declared bankruptcy in 2011 and as a divorced father of 3 paying child support, I began to accumulate debt again. Then in 2020 I realized I had to take control of the growing debt. I contacted National Debt Relief and now, I am free of that debt! I can breath easy and not stress over my poor financial situation or poor credit. And I am a much more responsible spender. Thanks, NDR!!

3 weeks ago

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Reply from National Debt Relief

Great to hear! We understand that the process can be difficult at times, but goal here at National Debt Relief is to provide a 5-star experience for every client.

Sep. 28th, 2021

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sunday toler Matthews, NC

Awesome decision to join NDR…My goals are getting accomplished…They have negotiated my settlements and it is saving me thousands of dollars. One day I will be debt free and my credit scores will rise…I highly recommend this company.

3 weeks ago

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Gloria Fort Worth, TX

I have been very satisfied with my experience with National Debt Relief. I was fearful of the decision to turn to them for help only because I didn’t know what I was getting myself into but after taking the risk, it was easier than I expected and I had nothing to worry about. They took great care of me! I wish I had contacted them sooner.

3 weeks ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times, so our goal here at National Debt Relief is to provide a 5-star experience for every client.

Sep. 28th, 2021

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Rachel Stewart Bayfield, CO

Resolving debt definitely takes work to find the set aside the money to do the deed. National Debt Relief never gave up on me and were always able to accommodate my financial hardships...covid really did a number on everyone, stick with the program, these guys are great! I have already increased 119pts

4 weeks ago

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Reply from National Debt Relief

Thank you Rachel! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Sep. 22nd, 2021

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Kelly Tatlock Grandville, MI

I am so glad I called National Debt Relief! After speaking with one of their representatives, the frustration I had been feeling about being in debt, and the constant worrying just disappeared. The process is so simple, and my rep was able to customize a plan just for me. The weight of debt has been lifted, and I now can look forward to the future!

1 month ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Aug. 24th, 2021

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Dorothy Gibsonia, PA

My first credit card resolved!! What an awesome feeling to have that taken care of. It’s a little burden taken off my shoulder. Thank you.

1 day ago

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CynthiaM Davenport, FL

My contact with NDR advisors has been very professional and helpful. However, I did not have a clear understanding of how "long" it would take before negotiations with creditors would be productive and disbursements would be made to them. Over a period of four months, my debt obligations have begun to be reduced. Success!

3 weeks ago

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Franklin Revere, MA

They really get to work to help you get your finances/life back on track while maintaining close communication with you and responding to any questions or concerns sometimes within hours.

4 weeks ago

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GRACE PRITTI Philadelphia, PA

I have been with them since January 2021. I had a lot of debt. They have done a great job. I have half my debt has been settled. Hopefully in another year and a half I will be debt free. They are so great at what they do. Also I have had to make adjustments and they work with you. I think they are a good company.

1 month ago

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Reply from National Debt Relief

Great to hear! We understand that the process can be difficult at times, but goal here at National Debt Relief is to provide a 5-star experience for every client.

Sep. 20th, 2021

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Lindi Detroit Lakes, MN

Initially I was concerned it does take a few months to get things rolling. So far I will be saving over $10,000 with more to come. If you have a question you get a response back right away or a phone call. I am very happy with this service.

1 month ago

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Carol Baynes Philadelphia, PA

I was pleasantly surprised when I got an email,phone call,along with a text message regarding my first settlement offer. The settlement was a great one it saved me a lot not only monetary but I felt I was getting my dignity back.believe me that is the best feeling in the world. Can't wait for my next settlement. Thanks ndr.

1 month ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times. As such, our goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 30th, 2021

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Kristin Grose Poulsbo, WA

In my short time with NDR my experience has been one of great relief and satisfaction that I am in good hands with an excellent option to handle three outstanding credit card balances. Thanks for the wonderful customer service. I am grateful that I'll be debt-free much sooner than I could have imagined.

1 month ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times. As such, our goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 26th, 2021

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Carrie DeFour Owings Mills, MD

I would not have been able to do what they did for me in the resolution of my debt. It took them only 1.5 years to have me completely debt free! I am ever so grateful and awed by their diligence and tenacity in my behalf. I recommend them to anyone who needs help in re-establishing their credit. Thank you all at National Debt Relief so very much for your persistence in my behalf!

2 months ago

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Reply from National Debt Relief

Great to hear! We understand that the process can be difficult at times, but goal here at National Debt Relief is to provide a 5-star experience for every client.

Jul. 28th, 2021

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Gregory E Kremer American Canyon, CA

This is awesome👍 I thought it wouldn't happen this soon, but National Debt Relief did it. I started with them 2/3/20 & it's now 6/28/21. They also go an extra mile having Liberty help speed up the process & finalize my remaining debt. It's sort of like a baseball team bringing out their prize picture at the end of the last inning to clinch the game. I was indebt for $30,000 & NDR managed my debt down to 13,427.09. They do everything, all you do is accept the deal they make by phone or e-mail. Think about it! Again, I thank National Debt Relief for their excellent & professional help for getting me out of a debt "I created". Of course, it wasn't intentional but it was still me that did it.

3 months ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Jun. 29th, 2021

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TONY Viola Boise, ID

Easy to apply . Professional in their treatment on my situation . Personable and precise when explaining even simple inquires . As good as their word .

3 weeks ago

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L BHS Tampa, FL

They have excellent customer service. It takes awhile to get some of the settlements done, but they go through immediately. This program has been a life saver for me.

3 weeks ago

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Colleen Fort Lauderdale, FL

I am relieved they are handling the creditors and helping me in this very stressful time It has been painless so far on the process of working with creditors

4 weeks ago

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Stargazer Upland, CA

NDR company has performed exactly as they have promised. It is not easy to go through this situation but I wish I have made this decision sooner. They are very nice to speak with and took away all my fears.

1 month ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times. As such, our goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 28th, 2021

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Shirley Way Lynnwood, WA

I like the people who I talk to when I need to. I tend to get anxious about my debt and they reassure me that I am doing every correctly and if need be they will be there to help me out of a jam. There is nothing I dislike about the company.

2 months ago

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Reply from National Debt Relief

Thank you Shirley! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Aug. 4th, 2021

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Carol Miller Austin, TX

National Debt Relief is helping me out of what seemed like a hopeless situation. They have provided options for me which I never would have known about and which help me on my way to settlement of my debts and restoring my credit. I deeply appreciate their help!

2 months ago

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Melanie Costa Queens, NY

National Debt Relief is no joke. They work for my debts and gave me an excellent result. I am so happy I enrolled to this program. This is real-This is good This is the answer to your sleepless nights with your financial issues.

2 months ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times, so our goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 4th, 2021

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vkahn Plainview, NY

My overall experience with National Debt Relief is a wonderful one, the representatives are very polite and amazing, working with National Debt Relief has given me sense of hope again, i've put all my thrust into them. I started this program in Nov 2020 and today i can safely say am seeing results, i am excited, happy and cant wait for this to be over.... Thanks National Debt Relief!!

3 months ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times, so our goal here at National Debt Relief is to provide a 5-star experience for every client.

Jul. 23rd, 2021

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Joanne Valentine Kaneohe, HI

My family has suffered devastating losses because of Covid 19. We lost our business, have over 100,000.00 in inventory that we would have to sell at a loss. National Debt relief stepped in, helped us reorganize our debt and negotiated several settlements so far, to help us bear the debt load. I recommend anyone struggling with debt to contact them for help.

3 months ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Jun. 24th, 2021

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Torios Richardson Virginia Beach, VA

I appreciate the quick resolution to one of my accounts; moving forward to tackle the last one. Thanks National Debt Relief

2 weeks ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Oct. 6th, 2021

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Devin Gordy Jacksonville, AL

They have made this process easy and smooth. All of the stress from my debt has left my shoulders because of their process.

2 weeks ago

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steve lockwood Columbia, TN

They have made the whole process very easy and they're very helpful and are easy to get in contact with I'd recommend national debt relief to anyone

3 weeks ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Sep. 28th, 2021

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peggy Mckinstry Ocala, FL

Their service department is always great. They are a success to us that have never had this happen before. Made me feel so much better

3 weeks ago

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Reply from National Debt Relief

Great to hear! We understand that the process can be difficult at times, but goal here at National Debt Relief is to provide a 5-star experience for every client.

Sep. 28th, 2021

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Lee Soto Silver Spring, MD

Effective, efficient and pleasant company to work with. Always on the look out for what's best for the client. Made the right decision going with NDR

4 weeks ago

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Reply from National Debt Relief

Hi Lee, thank you for the review. We love when our clients take time to let us know how happy they are! We’re happy you experienced our best-in-class service and results, and we hope to keep on delivering.

Sep. 23rd, 2021

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Jerimiah Ayala Lake Worth, FL

They are amazing at telling you any information regarding your debt, their plans of action revolving around your debt, and the best way of prioritizing your debt. I'm now able to buy a house!

2 months ago

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Josh Morales Cincinnati, OH

National Debt Relief has been great in helping my wife and I become financially solvent. It was very easy to enroll, and they had deals with 3 of our creditors very quickly! The last 2 creditors took over a year to resolve with, however theyve still resolved and helped us tremendously.

2 months ago

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Miguel L Cobos Fort Worth, TX

National Debt helped me get my first debt resolved. They negotiated a debt within 4 months of starting my debt relief program. Still learning and praying how all this works. But I'm very happy with this first negotiation

2 months ago

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Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Aug. 11th, 2021

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Happy Linda Wichita Falls, TX

We feel very confident with National Debt Relief. They have already resolved two credit cards in a short amount of time. Great job. Nina was very nice and helpful in explaining everything to us. Great job NDF.

2 months ago

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Reply from National Debt Relief

Thanks for taking time to mention Nina while leaving this great feedback. Our clients are the reason that we do what we do!

Aug. 4th, 2021

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Autumn Mccard American Canyon, CA

I don’t know what I would have done without National Debt Relief. I’ll be out of dent way sooner than I ever hoped for and everyone that has helped me out has been extremely kind. 10/10

2 months ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times. As such, our goal here at National Debt Relief is to provide a 5-star experience for every client.

Jul. 28th, 2021

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Bob Means McKeesport, PA

I suffer from anxiety, National Debt Relief has been extremely kind and patient walking me through the steps of the debt settlement process. I just settled on my first card and am extremely pleased.

2 months ago

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Reply from National Debt Relief

Great to hear! We understand that the process can be difficult at times, but goal here at National Debt Relief is to provide a 5-star experience for every client.

Jul. 28th, 2021

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Mitzi Ames Minneapolis, MN

I am very pleased with the service that National Debt Relief is giving me. I feel like I will be able to get out of credit card debt and I will be able to manage my credit cards in the future for emergency use only and be able to pay that off right away!!! I am so grateful to this company!

3 months ago

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Reply from National Debt Relief

Thank you Mitzi! The team here at National Debt Relief is thrilled to hear such great feedback, and we’re proud to be your partners on the road to a brighter financial future.

Jul. 8th, 2021

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Nina Harris-Whitten Attalla, AL

These people have complete understanding as how we become in debt and how to get us out of debt. They are very nice and work with you and get the lowest possible amount to pay off your debt. I have only had good service with them and will continue to have good service because they ask me before they settle any kind of debt before settleing it...

3 months ago

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Patricia Robinson Newport News, VA

I initially called to look into debt consolidation. However the rep I spoke with offered a different option. I was hesitant at first. But what really sold me with this company was the attention and honesty I received from the representatives. They spent hours (literally first call was nearly 2 hrs as was the second) answering my questions, and explaining the pros and cons. Yes the waiting is hard and can be a bit stressful, but I received my first resolved account, and a 45% difference really showed me my future with this company.

3 months ago

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kevin Brandt Uxbridge, MA

I was skeptical in the beginning having been mislead previously by a IRS tax relief organization, however I decided to give NDR a chance and they have exceeded my expectations , I am less than a year away of being debt free because of NDR.

3 months ago

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Reply from National Debt Relief

Glad to hear that our team was able to assist as you start on your journey to a debt-free future. We understand that the process can be difficult at times, so our goal here at National Debt Relief is to provide a 5-star experience for every client.

Jun. 24th, 2021

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Vinita Irving Tacoma, WA

I like national debt relief they're very very good company and true to their word and good negotiators I've been with them for a little over a year and they've already resolved six of my issues and I have two or three left to go they're outstanding I speak highly about them to my colleagues and Friends Amazing company

3 months ago

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Pauline Ellison Orlando, FL

I was very impressed on how they handled my accounts at first... I paid off the contract in October of 2020, 7 months after signing a 2 yr contract I was disappointed in how long it took to settle on my last 2 creditors. It took them over 9 months to get them settled even having all the money there to pay them off. That was very frustrating....but all in all...was very happy after the final payoff was finally settled. Yes, I will definitely recommend this company to my friends. Thank you for helping me out of my tough situation and I cannot wait till I get my good credit back again. Pauline Ellison

4 months ago

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Raul Castro Seattle, WA

It was a dark and dim future I saw with my credit after having lost a job and making ends meet. I resolved that by being diligent and fight to look for another job and keep working....SO The next step was to deal with my credit issues. Having fallen behind, I needed money before I started getting paid. In essence, I was needing to spend money I didn't have yet, so I searched for loans. I was directed to NDR It took two weeks to get them started, on my part. They are ready to save you money if you just read the information as to what they are about, will accomplish and how the benefits will come. I was skeptical, but that was being uninformed as it was my doing. Now, I know what I want from NDR and they are delivering. The creditor WILL tell you they can do the same thing for you but that is when its too late and not as beneficial a settlement as NDR can do for me. NDR will take those debts off your shoulders and relieve the stress the day you get interviewed and even more when you actually let them start working for you.. There is so much more to say with the light shining bright at the end of the tunnel and Im just getting started. I look forward to logging in to CK or WH and seeing NO MORE COLLECTIONS on my profile. Thank you Edwin DeLeon for the work.

5 months ago

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Yarinys Caba Queens, NY

It help me pay off my debt faster. I don’t have to worry being late or forget any bills. Thank you

1 week ago

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Jones Johnstown, CO

I went between five and four stars, but decided on five because of the in person customer service. I have emailed a few times with responses pretty delayed causing me to have to email a few times. However, when I called on two different occassions, I talked with two specialists almost immediately. They were truly kind, gentle and so attentive! Nothing fake, nothing read from a script. I was so embarrassed that I was in this situation, but they treated me so well on the phone and made me feel comfortable. It did take a bit longer to settle the debt than they had originally said, but it feels SO good to start chipping away at this debt and will so be debt free!!

6 months ago

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Jennifer Menendez Orange Park, FL

My husband and I have been in a financial struggle after legally defending ourselves. We struggled to pay our attorneys and racked up major credit card debt to protect ourselves and our daughters. Shortly after, the case was dismissed against us but we still had to pay our legal fees. Just over one year later, I was in a car accident. My husband had to miss work to care for me and our twins, after my six surgeries. Then, the pandemic hit. I lost both of my jobs because of the pandemic and my husband's hours were cut. If it weren't for National Debt Relief, my family and I would be facing severe financial hardships. National Debt Relief has made it easier to pay down our bills while easing the majority of the financial stress. Daily, we still deal with financial hardships. However, we are seeing the light at the end of the tunnel.

6 months ago

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Beth Butler Hot Springs Village, AR

It takes a lot of patience but I'm getting there. They have resolved nearly 80% of my debt. I will still be making payments for a couple of years but it's very small compared to what it was going to be on my own. There are fees associated with the program but again, they are nothing compared to the entirety of my debt. Program Status: Program Start Date: 12/27/2019 Account Balance: $2,600.33 Enrolled Debt: $28,301.00 Active Debt: $7,970.00 Resolved Debt: $20,331.00 I've had approximately $11,000 of debt written off. The one thing I didn't realize that came as quite a blow, was The amount written off last year was added as income to my taxes so I'm having to pay in a bunch. Still it is less than what was written off. So there are some things I wasn't aware of but that is my fault for not taking the responsibility to know these things. They were not kept a secret.

7 months ago

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