Accredited Debt Relief vs National Debt Relief

Kaitlyn Short
Kaitlyn Short | Senior Editor
While both National Debt Relief and Accredited Debt Relief offer quality debt settlement services, the companies have different minimum debt requirements. National Debt Relief requires clients to enroll at least $7,500 of debt. Accredited Debt Relief requires at least $10,000.

If you’re seeking debt consolidation or a debt management program, Accredited Debt Relief also offers these programs. There is no debt requirement for these programs. Accredited Debt Relief offers both debt consolidation and debt settlement, so it is advantageous for people still deciding which debt relief approach is best for them.
Accredited Debt Relief logo
#4 Accredited Debt Relief
9.0 Overall Score
5.0
star star star star star
(2,140)
National Debt Relief logo
#2 National Debt Relief
9.2 Overall Score
4.8
star star star star star
(3,858)

Overview

Accredited Debt Relief

Lowest Cost

N/A

Minimum Debt Requirement

N/A

Services Offered

Debt Consolidation, Free Consultation

Accreditations

AADR, CDRI

Is Nonprofit

No

Time in Business

15 Years

National Debt Relief

N/A

$7,500

Free Consultation, Debt Settlement

AFCC

No

17 Years

Ratings

Accredited Debt Relief

Overall Score
9.0 of 10
Review Score
5.0
star star star star star
Value for Money
4.5
star star star star star_half
Quality of Product or Service
4.6
star star star star star_half
Company Trustworthiness
4.6
star star star star star_half
Likely to Recommend
9.0 of 10

National Debt Relief

9.2 of 10
4.8
star star star star star
4.6
star star star star star_half
4.6
star star star star star_half
4.6
star star star star star_half
9.0 of 10

Reviews

Accredited Debt Relief

Number of Reviews
2,140
Review Breakdown
5.0
star star star star star
1 star
1%
2 star
0%
3 star
1%
4 star
9%
5 star
89%

National Debt Relief

3,858
4.8
star star star star star
1 star
3%
2 star
1%
3 star
3%
4 star
10%
5 star
83%

Reviews for Accredited Debt Relief

Helpful Favorable Review

star star star star star

Colton Michael

January 28th, 2026

DETAILS

check_circle

Review Source

Joel C. made the experience less scary! I would look at this program every now and then but I’d never pick up the phone, he reached out via email and once I saw he was a real person it helped me open up to getting started.

Helpful Critical Review

star star_border star_border star_border star_border

MG

February 18th, 2022

Signing up with the company is easy and the person who helped me was very helpful and nice. However, if you choose to opt-out of the program you will get the worst customer service ever. Instead of calling you, they email you, and when you call you just get told a bunch of excuses. I'm sorry, but if you have time to write out a long email you have time to call me. If you know what is best for you DO NOT do business with this company.

Reviews for National Debt Relief

Helpful Favorable Review

star star star star star

Darlyne Petrovit

February 4th, 2026

I didn’t think there was any end in sight with my high interest credit cards and my high debt and I seen an ad for national debt relief and decided to make a phone call and I’m here to tell you that was the best phone call I’ve ever made in my life in 2 1/2 years. I will be debt free and I am looking forward to that so much thank you for all of your help and getting me into this program, I recommend recommended to anyone.

Helpful Critical Review

star star_border star_border star_border star_border

Robert

January 27th, 2026

check_circle

Review Source

My father is deceased yet they call and email numerous times a day. I've called emailed and even sent his death certificate. You have received all the money that man had. I would appreciate you stop calling and emailing harrasing ppl who are trying to cope with the loss of their father!

The Final Word

Because the costs of debt settlement services are regulated by state laws, the costs of settlement services from National Debt Relief and Accredited Debt Relief should be similar for similar debt amounts. The average cost of debt settlement services is about 20 percent of the enrolled debt.

National Debt Relief has a lower debt requirement ($7,500) than Accredited Debt Relief ($10,000). If you have lower amounts of debt, you may not qualify for Accredited Debt Relief settlement services.

However, for individuals with lower levels of debt, Accredited Debt Relief also offers debt consolidation and debt management programs. These programs do not have the same negative effects on your credit that debt settlement does. Accredited Debt Relief charges a monthly fee between $10 and $40 and a one-time enrollment fee between $0 and $100 for these consolidation services.

Accredited Debt Relief is a good choice whether you are seeking debt consolidation, management, or settlement services.

Top Choice

National Debt Relief Logo
National Debt Relief

Other Featured Comparisons