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National Debt Relief

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7.7

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LAST UPDATED: March 18th, 2024

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

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4.7

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2,067 Reviews

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78%

4 grade

11%

3 grade

5%

2 grade

2%

1 grade

4%

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Theresa Strianese Buffalo, NY

I was very pleased and amazed on how fast a creditor agreed to your offer! I like what I'm seeing and I'm very glad of making my choice to go with National Debt Relief. They worked with me all around with a reasonable amount that goes with my budget.

2 days ago

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Elizabeth Torres

The customer service rep was absolutely great. She was patient me and took her time to answer all my questions. She took extra time to explain to me the pro and cons and understood that I have a processing problem. She was kind and super nice

6 days ago

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Ally Velado

I was hesitant when I started National debt relief because I dont know anything about it, but since I viewed lot of good reviews I decided to enroll.Its almost 5 months now i am paying and I am so happy about the outcome .I will recommend National debt relief to those who need a relief for their credit cards and loans .People are friendly when you call them and they always happy to help.

1 week ago

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Gregory Minnis Houston, TX

Everybody's really knowledgeable, the one thing that I would say I have a problem with is that when they make a settlement say 6 months to a year later they write you back and say at the time of enrollment you were down this much. But upon negotiations we realize that you are at this much and it's probably due to either spending more money on the card etc etc. But the truth is that those are all late fees and other fees that they don't tell you is going to stop once you enroll in the program. An example is they just settled this $2,800 settlement for 800 bucks and they were telling me how much of a great deal it is. But it was $1,200 when I enrolled in NDR, they kept telling me about how great of a deal it is however they settled for 800 bucks and then I paid 20% of the bill to NDR so that's a total of $1,160 for a savings of $40 in a year's worth of bad credit.

2 weeks ago

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Debra Murray

National Debt Relief has guided me step by step and I stopped worrying and eating myself away from Debt.. in a short time my biggest debt was resolved and I truly am on my way to being completely debt free.. the tips on what will happen along the way with the debt collection calls 10 times a day and etc was great to know bc it truly happened.. Thank You National Debt Relief so much

2 weeks ago

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Patricia Kinsey Fulton, MO

I reached out to National Debt Relief when I was in need of help. After talking with a representative I decided to apply with the company. It took a while to complete the process. I felt a sigh of relief after completing the process. Working on settling my first of four accounts. I’m nervous with all the calls from creditors, so I reached out and spoke with someone who put my mind at ease. Looking forward to be debt free.

3 weeks ago

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Emily Macaluso Lynden, WA

I felt very reassured by every one I worked with throughout my process of signing up. They made sure to go line by line through every contract and make sure I understood, and were never impatient with my questions. I've been paying now for a while and they have so far settled one of my accounts for less than half of what I owed! I feel like I can finally see an end to my debt in the future. When I started this journey, I learned that lot of reviews of debt relief companies are made right after signing up, so people are still very happy with their "service". National Debt Relief isn't like that. It's nearly February, and I've been speaking with them since September and making payments since November. So they aren't playing games with their review timing.

1 month ago

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Janet Mitchell Anderson, IN

I am so glad that I called National Debt Relief. They have been so kind and helpful to me. They have taken a load of worry off my mind. I was trying to pay credit card debts and couldn’t get the debt paid because of such high interest they were charging. I sent a hundred dollar payment to them and the creditor was taking $89.00 dollars out for interest. I could never get them paid off at that rate. It has lifted a heavy burden off my shoulders to have NDR on my side! Their customer service support is amazing, I spoke to a customer service agent a few days ago and her name is Cindy she was so helpful to me, thank you!

1 month ago

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W R. Maple Grove, MN

My process so far has been smooth. Few months into the program and already have a settlement of greater than 50% what I owed. This has been a great relief so far.

1 day ago

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johnny turner College Station, TX

I am the nervous person in the room. That’s why I’m here. This is calming to know they really do get things done. We just had our first settlement and I am pleased by far. Thank you

1 week ago

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Esel Miller Houston, TX

I invested in national debt relief to help get my financial debts in control sending them the money to make sure payment arrangements are made with companies was a good decision on my part I feel relief and feel that I will be able to overcome my debt problems sooner because of their assistance.

3 weeks ago

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Philene Cullen Bullhead City, AZ

Since signing up with NDR, I can always reach a person on the phone, I have access to a user-friendly online account, and they notify me when a debt can be settled for me to approve—what simpler process can I ask for?!! Bar None!

3 weeks ago

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Judie Washington, DC

I was completely lost and didn’t know what to do due to my debts. I know have more confidence in myself knowing I can get out of it. Thanks to American National Team. Without their expertise and knowledge I wouldn’t have been able to get where I am today.

3 weeks ago

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Mary Joe Greensboro, NC

I like the service debt relief provide.s. They an online account where you get to see where your funds are going, and who is being paid. You can call the number they provide with any questions or concerns you have and they will answer if they can or refer you to someone that can.

3 weeks ago

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Sue Biranowski Raleigh, NC

I love being led thru the process so completely, representatives have always been courteous, professional, and set my mind at ease when I’d have questions. I have trusted the process, and am glad I did. What a great experience.

4 weeks ago

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Justine Lafer Lakeland, FL

I was very happy when I received the message advising me that there was an offer to settle with one of my creditors. It gave me a wonderful feeling that there is someone out there that can help make my life a little easier. I feel like I have a new friend. Thank you so very much for your help.

4 weeks ago

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Janice F Martinsburg, WV

After only being with National Debt Relief for four months, they were able to make an incredible deal with one of my creditors. I cannot thank them enough for their kindness and dedication in helping me get through this painful time in my life. I would recommend them without hesitation to anyone going through a hardship like mine.

1 month ago

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Beth Lykens, PA

Talk about quick debt resolution!!! NDR advised me I had additional debt other than the ones I reported, unbeknownst to me. They inquired if I wanted to include it in my plan and it would cost an additional $14 per month. I agreed as the debt was over $1300. Within 3 days I had a settlement offer from the company. I agreed to settle! I'm excited about getting my head above water, as well as a forward path to debt management!

1 month ago

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Bobby Burleyson Salisbury, NC

A big thank you to National Debt Relief for their work on the settlement of the first of my debts. The settlement that I agreed to was tremendous and I am very relieved and appreciate the hard work they showed in my behalf. My stress level has greatly decreased and I can look forward with confidence that these fine people will continue to fight for me. Thank you.

1 month ago

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Alisia A Steverson

I am a new member of the National Debt Program. I can admit, that I was scared at first, but after a few months of paying into my plan, I can see it working!!!!!! I received my first settlement! I am excited and can't wait until I get to see another one. Thank you, National Debt Relief. Your company and staff are amazing and everything that your staff told me was true and it works exactly as you say it would.!!!!!

1 month ago

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Paul B Kent, WA

I called not even knowing my options. I was overwhelmed with credit card debt. NDR sat me down and went through the whole process start to finish with each settlement. Such a simple solution for issues many of us are facing.

2 weeks ago

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Ronald Jones Philadelphia, PA

I love the fact that National Debt Relief are standing on the word they actually settle one of my debt and I’m so happy. I see light at the end of the tunnel. Thank you National Debt Relief.

2 weeks ago

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Johana Reichold Las Vegas, NV

National debt relief makes it so easy to keep track of my progress and keeps me informed every step of the way. With three kids and one on the way, this helps my anxiety and stress levels stay controlled. 🩷🩷

3 weeks ago

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Lydia Fort Wayne, IN

The people are very caring and helpful and good to explain the process to you. I feel good knowing everyone is working hard to secure my debt settlements and I greatly appreciate all their help!!

3 weeks ago

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Rachel Kelley

This is the second time that I have had to use this company, and if I came back, obviously they do a great job! My monthly deposit amount is only a few dollars more than just one of my debts. A+++ rating for sure!

4 weeks ago

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Scott Rahn

I was applying for more and more credit until National Debt Relief came in just in time to greet me with reality. Time to get it right with my spending, charging, and/or budgeting. Excellent communication and customer support consistently. Great negotiating.

1 month ago

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Christian A Estrada Menifee, CA

What I like about this company is that in less than 3 months I already have 2 settlement accepted, the technology they used to review and check you account status is very simple and reliable, also customer service top of the line, I am please with their professionalism and way to explain thigs went calling. Thank you.

1 month ago

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Corey Long

My conversation today was excellent. You have some of the nicest, friendliest, reps that I've had the pleasure of talking to. You can tell they take great pride in their work and genuinely seem to care about those they talk to

1 month ago

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KaLaura Hammond Los Angeles, CA

It's been a real pleasure to have National Debt Relief working with me to clear my credit card debt. I can see the end of the tunnel of debt that I found myself in. I no longer feel like credit card debt is, something I will just have to live with, for the rest of my life. That hope means everything to me as a single middle aged person.

1 month ago

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fc3405 West Liberty, KY

Im a very skeptical person. Was before and after I signed up. I just had my first settlement this week I still can't believe how easy and fast this was. Changed my life. If you feel backed up with no way out you gotta try this.

1 month ago

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Brandon Liljenquist

Joseph N enrolled me and he was extremely professional, polite, patient, helpful and very informative about how the process would benefit me! It's already relieving me of stress and couldn't thank joseph and NDR enough for this experience and I've already recommended NDR to family and friends!

1 month ago

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Alan Donker Chesapeake, VA

They did what they said they would do and were always there every step . They took a huge burden off me and I still felt like paying what I can pay was better then walking away. I did get some satisfaction paying off what I could. . I have noting negative to say . I would recommend you to anyone with no hesitation.

1 month ago

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Karen

I have been with National Debt Relief for a few months and they have already settled with one of my creditors that significantly reduces what I owe. I am truly grateful for this company helping me to get back on my feet during this time of inflation.

1 month ago

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Yvette Frank Los Angeles, CA

It is a very scary process just because there are so many elements, the creditors, the NDR folks. I am terribly OCD and think i have to control everything, part of the problem that got me here. They always are or at least seem patient with my constant questions and reaching out. When a debt gets paid it is like this relief just chipping away and feels great. Thank you!

2 months ago

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Daisy Campbell Houston, TX

I love the customer service and how professional yet being able to build a good rapport with a customer . In 4 months 1 out of 5 creditors has been settled. I'm very impressed. I highly recommend them. Being able to update on my ever changing budget due to increased medical vet care of my senior dog and them working not only with me but with my creditors to get the best results is highly appreciated.

2 months ago

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Kelly L Maniglia Berkeley, CA

I got the chance to work with Tyler in resolving my first debt. She answered all my questions and concerns. She made me feel so good about my progress so far. I know I have a long way to go but I am very comfortable with this program. It also helped me get on a strict budget. I am using your free budget online form, so I can see where I am spending too much money. What an eyeopener! I am on the road to financial recovery. Thank you NDR :)

2 months ago

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Linda Best Jacksonville, FL

They really have resolved very quickly one item. Thank you for your promptness. It is greatly appreciated.

1 week ago

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katia Haymarket, VA

Whenver I have a question or a concern, I know someone will pick up the phone and will be there to help me.

1 week ago

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Jill Milner

I was hesitant but the knowledge and helpfulness of the reps convinced me to give this a try. I don't regret it at all.

1 week ago

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buck leslie

So far this companies been easy to work with. They have saved me over $1000 so far on just one bill. I can’t wait to see what they’re gonna save me on the others. Great job.

2 weeks ago

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James Machado-Nunes Washington, DC

Had program since 2022, they strive to please costumers, and work with me to get the results/goals I set. Strongly recommend NDR to anyone that needs financial help.

2 weeks ago

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Elaine R Dolentz

I always get the help I need when I have questions or need to readjust payments due to unforseen additional hardship expenses that prevent timely payments to my account

3 weeks ago

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Berta Garcia Alvin, TX

What I like about this company is that they are extremely fast on working with creditors for the best outcome possible and communicating well with me during the whole process.

1 month ago

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EHC45 Buffalo, NY

The friendliness of the original call center person, and the ease of setting up my "account". The entire process was explained in detail, and any questions I had were answered immediately and to my satisfaction.

1 month ago

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Barbara Shepherdsville, KY

I like that they settled my debts fast and I did not have to deal with the companies on my own. National Debt Relief is the way to go if you have credit card debt that you need help with. Thank you NDR.

1 month ago

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Beatrice Germany Clark Falls Church, VA

I like the organization because they really try and keep their word about your financial goals. Their service is excellent and they follow through on their word. Just a great organization to work with.!!!!

1 month ago

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Carol Fritzgerald Jacksonville, FL

Still figuring out how the process works but I'm trusting it for the next 2 years. Just got my first settlement and there's a big fee attached to it that I don't quite understand. However, I can say that my finances are feeling a lot better by letting them handle these accounts despite the huge drop in my credit score. So far so good.

1 month ago

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Renee Robbins Milton, FL

Debt is stressful and signing up with National Debt Relief has eased some of the burden. They have been very willing to work with me in resolving my unsecured debt. Customer service is excellent. I hope it works!

1 month ago

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Lori Jones Rienzi, MS

So far, NDR has been amazing helping me consolidate all of my debt. They have already made a settlement with 2 credit card companies! I'm looking forward to getting out of debt soon with NDR!

1 month ago

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Bisi Oyewusi Minneapolis, MN

I love the achievements. (2) However, i am agitated that it took so long even as I was funding the account religiously. Also, I am anxious about the remaining creditors, especially Capital one. I just want to get out of this mess as quickly as I can. Thanks.

2 months ago