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National Services

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LAST UPDATED: March 28th, 2022

National Settlement Services specializes in debt relief for unsecured loans. The company's website states that their clients pay an average of 42 percent of the debt they enroll; 56 percent after fees. You can receive an instant quote online by entering the amount of debt you owe or by calling the company. While National Settlement Services is a member of the American Fair Credit Council, they are not IAPDA accredited. Additionally, the website does not mention if the company is 100 percent FTC compliant.

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The Good

  • Low Fees
  • Low Debt Minimum Requirement
  • Low Monthly Payment Plans
  • Iron Clad Guarantee
  • Convenient Online Features

Low Fees

National Settlement Services only charges a fee of 14 percent of the debt enrolled, which is one of the lowest in the industry.

Low Debt Minimum Requirement

The company requires a minimum debt requirement of $5,000 in order to enroll in a payment plan. This is a low minimum requirement compared to other debt settlement companies (which may exclude anyone with under $10k in personal debt). Another requirement the company has is that all debts you enroll must be past due.

Low Monthly Payment Plans

National Settlement Services offers 12-38 month debt elimination plans, and stands by their "no result, no payment" rule. There is a low monthly set-aside payment. However, potential clients should be aware of how the company's website explains that those who make monthly payments on their program "are expected to pay approximately 42 percent of their balance prior to fees, or 56 percent including fees over a period of 12-48 months."

Iron Clad Guarantee

While the company does not have a money back guarantee listed on their website, they do offer an "Iron Clad Guarantee." This guarantee promises not to charge you any money until after National Settlement Services has delivered debt relief results.

Convenient Online Features

Customers can get a free instant quote online to see how much money they owe. If one does choose to enroll, they can access their personal account and details through an online portal. Not only that, but the company offers an online live chat option for additional questions.


The Bad

  • No IAPDA Accreditation
  • No State Information Listed

No IAPDA Accreditation

While National Settlement Services is accredited with the AFCC, it is not accredited with the IAPDA, which is another major settlement organization.

No State Information Listed

The company's website does not provide any information on which states it offers debt settlement services to. When we called a National Settlement Services phone representative, they would not disclose a list of the states they do business in. 


The Bottom Line

National Settlement Services offers settlement payment plans to customers with $5,000 or more in debt. The company offers a free instant online quote, and a few convenient website features, including the online portal feature and a live chat option. However, the cons outweigh the pros. We do not recommend going with this company for debt settlement. With the lack of transparency, it is best to look elsewhere.

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V walker

My term was up with this company and all my accounts were not settled. I was told, NSS would continue to settle my account and there would be no fees. After my account was settlement all excess fees would be returned to me. This was a lie! The account was settled and there was no refund sent to me. I was told their employee told me wrong information and it wasn't there policy to return funds. (Apparently there policy is to lie to the customer to get them to continue working with them. ) Even though they had documentation of the conversation, they refuse to return my funds. All they could say was "Sorry, the employee was wrong in there information." I guess they are not responsible for what their employees say either. Take your business elsewhere! I would not recommend this company to anyone!!!!

7 years ago