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.

Read National Debt Relief Reviews

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), one of the reasons some customers love the company. National Debt Relief charges from 18 to 25 percent of the customer's total enrolled debt; the company works with all unsecured debt and some cases of student loans. Most debt relief companies do not work with secured debt. Student loans are a kind of secured debt, so its nice that National Debt Relief helps with those 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 end up paying 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 monthly into a savings account. The month 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 debt 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.

If National Debt Relief discovers that its debt 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 debt consolidation loans 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 debt amount (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 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 normal 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 Commision (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 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 42 states and territories, a higher availability than most debt relief companies. The company is not available in Connecticut, Georgia, 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 council 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.

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 debt settlement companies).

Customers with bad credit scores due to high credit card debt, medical bills, and unsecured loans will find National Debt Relief helpful. Customers should note that a lower credit score is a likely outcome with debt 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 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.

We'll Introduce You!

Call our recommended rep over at National Debt Relief below.

1-(855) 576-1558

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User Reviews

Star Rating

4.3
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Michelle G
December 9th, 2019 DETAILS
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Great service. Very helpful. Easy to call. Finally budget my money

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Jacque Hoppenreys
December 9th, 2019 DETAILS
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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!

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Jimmy Whitehead
December 9th, 2019 DETAILS
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Wonderful people. They have explained everything to me very well.

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Omadath Ramkelawan
December 9th, 2019 DETAILS
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Very good. Always helpful staff and they work with me.

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Lisa S
November 20th, 2019 DETAILS
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This has been a terrible experience. They have taken $$$$$ from us , ruined our credit, haven’t helped us with our debt, in fact we owe more now than when we started the program. That’s not including the constant harassing calls from Natl Debt Relief themselves, demanding you increase your bi-weekly payments, and threatening to drop your account if you don’t. ( these tactics don’t start until after you have been served with lawsuits from the very creditors they are supposed to be helping you with). Also, their “agents” are call center reps and you never speak with the same person twice. We finally called a lawyer and pulled out of the program. We’re gonna try to build our lives back up while we still have some pieces left to pick up. This is a long term SCAM. Don’t believe any of their advertising claims. They take advantage of people who are desperate.

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Reply from National Debt Relief

Nov 21, 2019

Hello Lisa, I’m sorry to hear about your experience and also want to thank you for sharing your concerns with us. Based on the information provided, we are unfortunately unable to locate you in our system. Please give us a call directly at 888-660-7427. Thank you.

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Nelly
November 19th, 2019 DETAILS
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I have resolved most of my debt,,,it's only been a year and I'm more than half way done!!!

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Hiram Bonet
November 19th, 2019 DETAILS
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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.

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Gail Simmon
November 19th, 2019 DETAILS
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National debt relief has been working very to resolve my debt. It gives me a Stress free relief to have my bills paid in full.

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Keith
November 19th, 2019 DETAILS
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Great thus far in helping me towards debt resolution

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Kate
November 19th, 2019 DETAILS
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Very easy to get started. Extremely helpful.

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Gwen Allen
November 19th, 2019 DETAILS
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Absolute Resolution! National Debt Relief gave me Peace of MIND and Satisfication!

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K
November 19th, 2019 DETAILS
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Awesome. Customer service is great. They have helped ease my stress. They are helping me improve things

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Lisa
November 19th, 2019 DETAILS
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Communication has been great. They explain everything and answer all of your questions. The customer service people are patient and understanding.

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Cindi
November 19th, 2019 DETAILS
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They are great so far! Prompt. Efficient.

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Jeffrey Swiatek
November 19th, 2019 DETAILS
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It as been an amazing journey filled with courteous national debt employees along the way. Superb people.

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Carole Gambol
November 19th, 2019 DETAILS
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Absolutely the best !! I will be out of debt ny this coming May

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David a space jr
November 19th, 2019 DETAILS
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Talking to the staff they were so polite

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Kristan
November 19th, 2019 DETAILS
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They answer my questions very good and hsbe been very helpful

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David
November 19th, 2019 DETAILS
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They are great and handled my finances with care and saved me tons over what I would have had to pay

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Bea
November 19th, 2019 DETAILS
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Waiting on final two businesses to close out.

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Sandy
November 19th, 2019 DETAILS
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Good experience so far. Been with the program almost a year now and it's been a big relief to not have the cc payments that I had before

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Arthur
November 19th, 2019 DETAILS
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Helping me pay off my debt in a timely manner

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N
November 19th, 2019 DETAILS
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I was nearly 50K in debt with years before paying it off. I am now 4 months away from a clean bill. Thank God.

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CASSIDY
November 19th, 2019 DETAILS
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Helping me to get my feet back together, and focus in life

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William Devinney
November 19th, 2019 DETAILS
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Excellent very helpful always answers questions promptly

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Amye
November 19th, 2019 DETAILS
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They are very accomadating to meet whatever specific need I've had. Can be a bit pushy at times but I would have given up on the idea of repairing my credit a long time ago if they had not been there to encourage me not to

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Rachel
November 19th, 2019 DETAILS
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Very polite and helpful. They work with me really well.

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Jeff Milne
November 19th, 2019 DETAILS
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They have been helpful ever step of the process. Each time something came up they answered my calls and have me solutions. I was apprehensive to join this program, but NDR put me at ease.

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BRIANNE MOORE
November 19th, 2019 DETAILS
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I still have several credit cards that have not been resolved and I have been working with NDR since April. I am now being ordered to cmgo to court for a credit card that I was told to make the conscience decision to stop making payments to even though I opted for the legal councel.

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Reply from National Debt Relief

Nov 19, 2019

Hello Brianne, Thank you for bringing this to our attention. We try to maintain the highest standards of service, and can appreciate your frustration when that does not happen. We will be reaching out shortly, but you can also call us directly at 888-660-7427.

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Kathryn
November 19th, 2019 DETAILS
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My experience with NDR has been nothing less then positive considering I've never hired a company like this. I am trusting them with my whole future.

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Liliana Castillo
November 19th, 2019 DETAILS
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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.

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tim ismiel
November 19th, 2019 DETAILS
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they sqrewed me and my credit ..i agreed on a debt and they pulled out and put it in collection the only way i found out was my credit dropped 91 points in one day. i guess no one lets you know when a crediter backs out of a a agreement

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Reply from National Debt Relief

Nov 19, 2019

Hello Tim, Thank you for bringing this to our attention. We try to maintain the highest standards of service, and can appreciate your frustration when that does not happen. We will be reaching out shortly, but you can also call us directly at 888-660-7427.

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Valerie V
November 19th, 2019 DETAILS
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Used them and was still sued for a credit card. I ended up filing bankruptcy and when I called to leave the program I was told I owed them money for their services. What service? Me being sued? Telling me that they had a great deal worked out with the company suing me- $3300 on a $4000 bill is not a good deal and if I had that much money I would've paid them to begin with! A waste of time and money.

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Reply from National Debt Relief

Nov 19, 2019

Hello Valerie, I’m sorry to hear about your experience and also want to thank you for sharing your concerns with us. Based on the information provided, we are unfortunately unable to locate you in our system. Please give us a call directly at 888-660-7427. Thank you.

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Cheryl Bonner
November 19th, 2019 DETAILS
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Good they gave me a timeline on how long the process would take and what to expect during this time as so as they make a settlement they call and let me know

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Belinda Wells
November 19th, 2019 DETAILS
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Great. Service is individually geared to your personal needs.

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Jonathan Felipe
November 19th, 2019 DETAILS
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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.

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LL
November 19th, 2019 Lancaster, CA DETAILS
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Their pitch didn't line up with what they actually did. They prey on people that's dealing with hardship. You can do this yourself

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Reply from National Debt Relief

Nov 19, 2019

Hello, I’m sorry to hear about your experience and also want to thank you for sharing your concerns with us. Based on the information provided, we are unfortunately unable to locate you in our system. Please give us a call directly at 888-660-7427. Thank you.

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Angie Herrera
November 19th, 2019 San Jacinto, CA DETAILS
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Easy to sign up very helpful representatives. Really has put our minds at ease!

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Cecile C Walsh
November 19th, 2019 DETAILS
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They have given me peace of mind. I don't have to worry about things. They do what they said they were going to do.

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Lilian godinez
November 19th, 2019 DETAILS
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Very understanding I would highly recommend to my family and friends. Trust us your number one.

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Jonathan Esquives
November 19th, 2019 DETAILS
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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

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Amanda
November 19th, 2019 DETAILS
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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!

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Jessica
November 19th, 2019 DETAILS
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National Debt Relief has helped me get out out of a very stressful situation. I can't thank them enough for the quick responses to my questions and resolving my debt!

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Valerie Hill
November 19th, 2019 Kirkland, WA DETAILS
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It is has been very helpful and I see results.

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Paul DeOcampo
November 19th, 2019 Aromas, CA DETAILS
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Great people ugh the same experience we have had. They take pride themselves with using NDR to help them get out of debt and back in their feet

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Chris
November 11th, 2019 Janesville, WI DETAILS
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At first was great, no calls, but after a while of monitoring my account, creditors were getting minimal payments, and fees, fees, fees. Account balance is going up, yet, the money isn't being sent as additional to get the accounts paid off. My monthly payments to NDR are higher than what I owe on some accounts. With the settlement fee, some accounts settled at the amount I owed, or pending higher.. No savings there. Credit score, don't bother... Mine dropped 65 points in a matter of months. The bigger accounts are still sitting untouched.

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Reply from National Debt Relief

Nov 12, 2019

Thank you for your comments. I’m sorry to hear about your experience. This is definitely not a usual occurrence for us. Please call us directly at 888-660-7427.

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Karen Muldrow
November 4th, 2019 Elk Grove, CA DETAILS
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The Reps have been very knowledgeable and patient during a stressful time.

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Angela
November 4th, 2019 San Francisco, CA DETAILS
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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."

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Reply from National Debt Relief

Nov 05, 2019

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.

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Eric Hagan
November 4th, 2019 Lancaster, CA DETAILS
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Excellent customer service about contract

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Elizabeth
November 4th, 2019 Converse, TX DETAILS
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They have been very helpful although it has taken quite a while to get agreements with the companies.

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Reply from National Debt Relief

Nov 05, 2019

Elizabeth, thanks for your feedback today. It’s important to remember that debt negotiation takes time. Our goal is to reach the best deals possible so that you save the most money on the debt you owe. Your debt payoff timeline is based on your creditor profile, debt amount, and monthly payments. However, it is just an estimate, and several factors can either lengthen or shorten your time in our program. You can always accelerate the program by adding any extra funds that become available. Otherwise, we'll do our best to help you complete the program in the time frame we estimated. In the meantime, we ask that you be patient, trust the process, and continue to stay updated by calling in or using your client portal.