Overview
National Debt Relief
N/A
$7,500
Free Consultation, Debt Settlement
AFCC
No
16 Years
InCharge Debt Solutions
N/A
None
N/A
N/A
N/A
Undisclosed
Ratings
National Debt Relief
InCharge Debt Solutions
Reviews
National Debt Relief
Reviews
InCharge Debt Solutions
Reviews for National Debt Relief
Helpful Favorable Review
Carole Harris
December 10th, 2025
DETAILS
Review Source
I’m very glad one card has been settled, of course. The main thing about the program that I don’t like is that my credit rating is now terrible. Before I started with NDR, my credit rating was extremely high, even with all my debt. I am ashamed now, with one bank and at least two creditors not part of my NDR program either canceling my card or lowering the amount I could access.
Helpful Critical Review
Emily Weatherfield
December 11th, 2025
DETAILS
Review Source
If I would have known my credit score was going to tank the way it has now, as well as ruining my reputation of paying my bills, I would have NEVER done the program. I will be spending years trying to get my credit score back up to the 790-800 range it was before I started the program.
Reviews for InCharge Debt Solutions
Helpful Favorable Review
ROY L CHASTEEN
September 21st, 2017
In Charge Debt Solutions handled my enormous debt very efficiently and professionally. Their counseling was good, and handled my debt well for two years. I am very pleased with the rates they negotiated for me. I give them a thumbs up for their work with my debt.
Helpful Critical Review
porsha
May 4th, 2019
Evanston, IL
DETAILS
terrible company they seem nice in the beginning but all they did is ruin my credit even more and taking my money monthly for no reason I plan on calling a lawyer about this soon DON'T WASTE YOUR TIME BEWARE!!
The Final Word
InCharge Debt Solutions negotiates interest rates with your creditors and sets up a monthly payment plan. Clients make one monthly payment to InCharge Debt Solutions and the company disburses it to clients’ creditors. This approach makes it easier for people to repay their debt in full and has a positive effect on credit scores.
National Debt Relief negotiates the debt total down so clients don’t have to pay as much on their debts. However, debt settlement negatively affects credit scores because people stop making payments to creditors to save up for a settlement payment. While settlement can be an effective way to settle debt, individuals should fully understand the risks of this process.
If you’re interested in debt settlement, National Debt Relief has solid industry experience and expertise.
