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National Debt Relief

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7.5

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LAST UPDATED: November 6th, 2022

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) with no upfront fee, 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 the creditor, 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.

One recent National Debt Relief review mentions that with the help of NDR, "two settlements have been reached which leaves only three more to go." NDR clearly offers an impressive settlement program for clients.

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 creditor or 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, credit counseling, 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. For example, Freedom Debt Relief has been in business for over 20 years.

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 debt, 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 debt settlement 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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Star Rating

4.5

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1,399 Reviews

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2%

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Kevin McCarty Pike Road, AL

National Debt Relief helped me tremendously in my debt situation. My first credit card was negotiated within a month of joining the program for $5,000 less than was owed. Once I reached the required 25% of the second credit card, it was negotiated within 2 months. The only warning I would have is that the fees are 21% of the balance of the card when you joined the program, not 21% of the negotiated amount. You might end up in a situation like me where the fees of the second card are $2,000 higher than the negotiated payoff amount. With that said, I think this program is worth the price to forgo the hassle of dealing with debt collectors.

1 month ago

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Reply from National Debt Relief

Hi, thank you for taking the time to leave this review. We really appreciate when our clients let us know how happy they are with our best-in-class service and results! We are proud to be your partners on your journey to financial freedom.

Nov. 8th, 2022

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Andrew Williams Wilson, NC

NDR....in so many words is the greatest program I've ever been with....I called customer service yesterday and she (Maria) asked me did I wanna resolve one of my debts and I told her I didn't have the one time payment and she told me they have the payment to take care of it...I was lost for words!!!! Thanks for that great conversation I had with her (Maria)...NDR is the best....Stay GREAT!!

1 month ago

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Reply from National Debt Relief

Thank you for taking the time to leave this review. We really appreciate when our clients let us know how happy they are with our best-in-class service and results! We are proud to be your partners on your journey to financial freedom.

Oct. 28th, 2022

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Angel Jackson Avondale, AZ

Customer service is a plus. The representative is very professional and very good about explaining the process to you for understanding. Since becoming a customer, I have had one negative encounter with a representative, but the problem was quickly resolved. If I know others families having financial issues, I would recommend NDR to them. Over all, my experiences have been great...

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, so our goal here at National Debt Relief is to provide a 5-star experience for every client.

Oct. 26th, 2022

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Sabrina Bolling Springhill, LA

National Debt Relief has helped me so much. They are very understanding and work with you every way they can. I have Cancer and needed to get out of credit card debt. I didn’t want to leave my family my debt. They explained everything to my husband and I. They are working for me to make that happen. Everyone one we have spoke to has been very kind and helped us with our budget. I would recommend National Debt Relief to anyone.

1 month ago

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K S Port Orchard, WA

Professional yet personable, too. NDR keeps me in the loop when a settlement offer is made. So far, I am impressed with how much of a percentage they are able to negotiate my balances down too. With NDR, I don't have to stress or worry about finances-they do all the work.

1 month ago

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Reply from National Debt Relief

Hello, thank you for taking the time to leave this review. We really appreciate when our clients let us know how happy they are with our best-in-class service and results! We are proud to be your partners on your journey to financial freedom.

Nov. 8th, 2022

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Kisha Jones Corona, CA

national debt relief has done exactly what i signed up with them to do. Over the last few months since i agreed for them to take over my debts i have already received a few payoff offers. I'm on my way to be DEBT FREE !! This process has been one less headache to deal with during this time in my life.

1 month ago

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Reply from National Debt Relief

Thank you, Kisha! 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.

Nov. 8th, 2022

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John Jagoda Massapequa, NY

We have had a good experience with NDR. They are always contacting us about possible settlements coming up. And answering all our questions in a professional manner. We feel very comfortable with having NDR handle our issues. The staff is very friendly and courteous.

1 month ago

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jeanie key Washington, DC

National Debt Relief is one of the best decision I made. They went over everything with me. NDR made sure I had understood what the process was. They have so much patience and answered every single question I had. The customer service of Ms Stephanie E is top notch. There is nothing I don’t like about NDR at this time.

1 month ago

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Christi Morton Memphis, TN

NDR has always spoken to me courteously and not once caused me to question my decision to enter a relief solution to an impossible situation. Rather, NDR has addressed my quandry. I believe had I not accepted this solution to my indebtedness, my situation would have become extreme to breaking. While searching debt relief options, NDR took the initiative and contacted me which began my solution and recovery process. I shall always be grateful to Jeff A for helping me.

2 months 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.

Sep. 30th, 2022

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David Tobin Nashville, TN

For what time I have been a client I am very pleased with how they resolved a debt so fast and saved me alot of money. I hope the remaining go as good as the first. Thanks national debt relief

1 month ago

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Carl Price

Everything is going good so far, nothing to worry about. Customer service has been a great help keeping me informed about what is going on. Very friendly and have had no second thoughts about this company. A++

1 month 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. 26th, 2022

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Ethel Hambright Everett, WA

I appreciate customer service explaining the process along the way. I wish however, that I could afford to pay my debt settlements faster, as it takes along time on some of them.

1 month ago

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Thomas Andrews Medina, NY

They make the whole process easy and more affordable without making you feel like a failure. I would highly recommend National Debt Relief to anyone struggling financially. Thank you!

1 month ago

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Rita Delia (CuckoosNest)

I started out with close to $20,000 of unsecured debt. NDR (National Debt Relief) brought that down to half. I began with a 4 year repayment plan, but I will be done way before that. It does wreck your credit rating but I want to be debt free so don’t really need that right now. My payments to NDR are less than half I was originally paying. Worth it for me!

2 months ago

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robert owens Pensacola, FL

i was a bit skeptical at first but in time they proved to me that they keep their word and did it faster than they originally said . i have and will continue to tell my friends and family about these amazing people and their program ....

2 months ago

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Claire Luchendo Dallas, TX

The waiting period seemed to be long but when I got an email informing me that NDR had reached an agreement with one of my debtors, I felt such a relief. Now waiting to see my credit going back to normal and even getting better!

2 months ago

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Reply from National Debt Relief

Hi Claire, 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. 19th, 2022

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Kara O'Kussick Lancaster, PA

National Debt Relief is saving my life and my credit. I'm so relieved to know I'm in the right hands, finally! They definitely work quickly and diligently and I 5-star approve of National Debt Relief. I highly recommend working with them as they truly care for your best interest.

2 months ago

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Sharon Young Monessen, PA

I found myself at a time in my life where I got in over my head and was so depressed and embarrassed at my situation. This company helped me to get back on my feet. No judgement of my mistakes. They got me back to where I need to be both financially and mentally

2 months ago

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Carol Raucci GA

I find each time that I call the representatives always give me a good answer and help me to resolve the issue each and every time I find this company helping me out with my bills the best way possible they always listen and understand everything that I have to say I'm grateful to have someone to lean on like this that will always help me out I would recommend this company to anybody if they got in the situation that I have the representatives a very kind and understanding I appreciate everything that is done for me they make it easy for me to understand what I have to do each and every time

3 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 the goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 24th, 2022

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Mariana Tornero Alegria Hercules, CA

I am so grateful to have found NDR, they have given me peace of mind by helping me dispute the debts I owe, reducing the amount significantly. I love that they take charge and I can continue with my daily life activities without having to stress and scramble for information or make calls to the debt collectors. They are very knowledgeable and explain everything well.

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. As such, our goal here at National Debt Relief is to provide a 5-star experience for every client.

Aug. 24th, 2022

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Mika Reyes San Diego, CA

Due to COVID I’ve gotten myself into some debt, I was at work and overheard a coworker talking about how she got out of debt, I didn’t ask her whom she went through so I just decided to do some research on my own. I made a phone call to National Debt Relief they were honestly so helpful very transparent on how the program works and I told the gentleman whom assisted me Allen why didn’t I do this sooner, better late than never his response. Allen made things very easy on helping me become debt free, I would recommend this to anyone who is trying to get back on their feet after a few hard years.

5 months ago

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Reply from National Debt Relief

Hi Mika, 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.

Jun. 15th, 2022

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Patsy Ferguson Brooklyn, NY

I have not been with them only a short time but so far everything has been good and everybody I have come in contact with have been very nice and helpful

1 month ago

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JomberJamberino Philadelphia, PA

Friendly and professional services. Everything was explained well in the beginning. Very legitimate company. They will resolve your debt with your creditors.

1 month ago

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Rebecca CAilor Brandon, FL

Spoke to the representative and developed a payment plan in 30 minutes. I had used a different company over 10 years ago, and it took them 2 weeks to get that done.

1 month ago

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Laura Mancha San Bernardino, CA

As we move forward to debt relief we are excited about offer for mercury although not sure if that was as low as they would of accepted how can we know if next offer is the lowest sought. I will say the constant calls from creditors are tiresome looking forward to calls to sieze

1 month ago

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Reply from National Debt Relief

Thank you for the feedback. A member of our team will be reaching out shortly to better explain our program as well as address your specific concerns. You can also call us directly at 888-660-7427.

Oct. 27th, 2022

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Sallie Pearl, MS

Everyone has been great to work with so far. Very pleasant to speak with and very understanding and helpful when I was sick with covid. So far, they get 5 ⭐️ from me!

1 month ago

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Reply from National Debt Relief

Thank you, Sallie! 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.

Nov. 8th, 2022

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Elizabeth Juul

National Debt Relief has eased our minds. We have enough money to comfortably survive each month and our bills are being paid. There is life without credit cards.

1 month ago

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Christina Austin Hamptonville, NC

So far my experience has been so wonderful. The people are so helpful and compassionate, every time I call with a question. A true pleasure to work with.

1 month ago

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Alea Colburn Denver, CO

This has been such a wonderful experience for me. The service is excellent and they are quick with resolving my debt. I feel very confident with this process.

1 month 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. 26th, 2022

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Gary M

The customer service representatives are excellent. NDR is helping to restore my previous good credit rating. I could not have done this without them. I already have two creditors now being paid off.

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.

Sep. 21st, 2022

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Bryarose4c Las Cruces, NM

I like the fact that the people I have talked with have been professional. They have answered all my questions and suggested what I should do to clean up my credit. I am made aware when they reach a settlement with my creditors.

3 months 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.

Aug. 17th, 2022

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Chris Cormas Irwin, PA

So far I feel I have absolutely made the right choice going with National Debt Relief. It has been such a positive experience so far. They make contact with all your creditors. Their response, with their approval to the negotiated amount, keeps astounding me. I am actually seeing light at the end of the tunnel. Something I honestly never thought I would see again. The only downside are the harassing phone calls from creditors, while the balances are negotiated. I do not answer them and even they appear to be decreasing the closer we get to all having been contacted. I am excited by the entire process.

7 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.

Apr. 12th, 2022

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Jonathan Esquives

In the beginning I doubted the service that was provided.After thorough research and speaking to a representative, I felt confident in signing up. Each step of the way I was well informed of how it worked and it was straight forward with no confusion. No judgments we're made but rather a compassionate one to one conversation that gave me hope in getting my financial situation recovered and my credit score. Till this day I believe I made a great choice and working hard towards finishing my program to a better stability for me and my family. Thank you NDR

3 years ago

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Angela San Francisco, CA

My experience has been overall positive working with NDR. My main point of feedback would be more visibility into when communication has been made between NDR and a creditor. Customer Service has very limited visibility to what the negotiation team is doing and having some piece of mind about when that team has had some initial contact with a credit would help immensely throughout the stressful process of fielding aggressive creditor communication on the client's end. The most detail I can receive when connecting with Customer Service is that "The negotiators have been in contact with your creditor and they will begin settlement when you have 50% of the debt saved."

3 years ago

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Reply from National Debt Relief

Angela, thank you for sharing your concerns with us. If you create an account on our website to access your file, you should be able to see the negotiation activity. This is also a convenient "one-stop-shop" to see required items, schedule drafts, check your balances, and even upload documents. This is the fastest way to review your account. We've found that our most successful clients are proactive in keeping up-to-date, in addition to the updates we send them. If you have any questions or need help setting up access, please contact Client Success.

Nov. 5th, 2019

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Verified Customer

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Lisa M. Allen

Nothing short of AMAZING! I cannot express how much I appreciate NDR. They have completely taken the stress of my debt off my shoulders and run point on all negotiations on my behalf. No more aggressive phone calls from debtors and i don't have to do anything, besides make regular set bi-monthly payments (which are automatically withdrawn). If i run into a situation where i need to skip a payment, there is no hassle from NDR. They are very understanding and accommodating. NDR is a try partner and they make you feel like they genuinely care about your financial health.

3 years ago

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Terell

Outstanding. This program was my Saving Grace after a series of very unfortunate incidents piled up at once. Health problems, deaths in the family, unexpected household expenses left me in the lurch. When I join national debt relief I was desperate to find any way to resolve my finances while still being able to make it. They delivered on their promise. There were no hidden gimmicks. Everything was set up front at the beginning and after 2 years all of my debt has been resolved.

3 years ago

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Leslie Rowe Washington, DC

Well I started the origami in June/July I'd 2022. And within 4 months I'm one step closer to being debt free in my eyes that's great

1 month ago

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Charlene Romulus, MI

I’m a new client and already some of my debt is being resolved. I have a long way to go but I’m excited for what’s been resolved already.

1 month 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. 28th, 2022

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cynthia diaz Queens, NY

They listen and we’re very patient by the end of the conversation I was relieved that I found a solution for my dept without feeling ashamed

1 month ago

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cleophus hunt

So far I am pleased on the progress by your company. I'm glad to work with NDR. Even my wife has show interest in applying. Keep up the great work. Thank you very much.

2 months ago

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Larry Richardson, TX

Contact was easy and our counselor was so helpful and explained the process to us. He made us feel like this was a solution and never made us feel I’ll at ease. Truly a great experience.

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.

Sep. 6th, 2022

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Thomlyn Lovin Roswell, GA

National Debt Relief was super transparent in what it would cost to work with them and they had no upfront fees. They really helped me settle some of my debt I just wish they could help me with everything such as my mortgage!

3 months ago

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Barbara Fogal Hartford, CT

So far it has been a good experience. Everyone is very nice & knowledgeable when I call with questions. The only thing I don’t like is my credit took a really bad hit. I went from a 725 to barely 500. I know it was my choice because I needed assistance with some loans I had taken out I’m the past other than that it’s a great program.

4 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. 1st, 2022

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Lymaris Enriquez The Bronx, NY

Working with National Debt Relief has been a wonderfully smooth and easy process. Due to work fluctuations during Covid my finances started suffering as is the case with many people during this time and I felt overwhelmed and needed help. I have been working with them for a year and a half and in that time I have been able to resolve over have of my debt with their assistance. I would recommend them to everyone.

6 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.

May. 20th, 2022

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Skylynn R Norwalk, CT

I am one that is very skeptical about companies because I have been scammed before with trying to get my debt under control. NDR is legit. They have given me confidence in what they do. They are always available to assist you. Always explain things in detail. As many times as you want. I have probably asked the same question different ways and they never fail to explain it. They are very patient and understanding. They check in with you every once in a while to see how you are holding up financially. I am very happy I went with National Debt Relief.

7 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

May. 2nd, 2022

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Jacque Hoppenreys

Wonderful! With my last payment approaching, I thought I would never see this day. More than $23,000 of debt and I feel so relieved! Everyone I ever spoke to was always so nice and helpful. I never felt any judgement or negativity from anyone. I can finally start rebuilding my credit and get a fresh start. I am so thankful!

2 years ago

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Reply from National Debt Relief

Congratulations on your progress, Jacque! We're so glad to hear that you're so close to completing the program. You've come a long way since you enrolled and we're very excited for the rest of your journey. Thank you for sharing this with us today!

Jan. 8th, 2020

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Hiram Bonet

My experience with National Debt Relief has been very good. They treat you with respect. They also are very professional and friendly at the same time in regards to their customer service. They truly care to help in any way that they can advise. I am very thankful for all that they do as a team.

3 years ago

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Liliana Castillo

I have only good things to say about national debt relief and their customer service reps everybody has been very helpful from the beginning everything has been explained to me and they've been pretty clear on my been able to close most of my accounts so far and I couldn't be happier and I can't wait to be debt-free and happy again.

3 years ago

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Jonathan Felipe

It has been good for the most part. I still have worries about my actual debt. I really wish someone would have told me that the process could last close to a year instead of being told 4 to 6 months at the beginning. I still worry about the notice about me being potentially sue for not paying a credit card but I was assure that National debt will defend me.

3 years ago

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Amanda

So great! My husband and I had $40,000 combined debt in credit cards and personal loans. We started the program in July 2017 and will be completely paid off in Feb 2019! We never thought we would be able to get our from drowning so thank you National Debt Relief!

3 years ago