National Debt Relief vs InCharge Debt Solutions

National Debt Relief and InCharge Debt Solutions offer different debt relief services. InCharge Debt Solutions offers debt management programs, while National Debt Relief focuses on debt settlement. If you’re interested in debt settlement, then National Debt Relief is a good option.
National Debt Relief logo verified_user
#2 National Debt Relief
8.6 Overall Score
4.3
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(460)
InCharge Debt Solutions logo
#20 InCharge Debt Solutions
5.0 Overall Score
3.5
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(10)

Overview

National Debt Relief

InCharge Debt Solutions

Cost
Cost
18-25% of Debt
About $30 per Month
Setup Fee
Setup Fee
None
$50–$75
Interest Rate
Interest Rate
N/A
5-35%
Minimum Debt Requirement
Minimum Debt Requirement
$7,500
None
State Availability
State Availability
40
15
Time In Business
Time In Business
10 Years
22 Years

Ratings

National Debt Relief

InCharge Debt Solutions

Overall Score
Overall Score
8.6 of 10
5.0 of 10
Review Score
Review Score
4.3
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3.5
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Value for Money
Value for Money
4.1
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3.0
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Quality of Product or Service
Quality of Product or Service
4.2
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3.0
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Customer Service
Customer Service
4.3
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3.0
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Company Trustworthiness
Company Trustworthiness
4.2
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3.0
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Likely to Recommend
Likely to Recommend
8.3 of 10
5.0 of 10

Reviews

National Debt Relief

InCharge Debt Solutions

Number of Reviews
Number of Reviews
460
10
Review Breakdown
Review Breakdown
4.3
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5 star
64%
4 star
18%
3 star
5%
2 star
2%
1 star
10%
3.5
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5 star
40%
4 star
30%
3 star
0%
2 star
0%
1 star
30%

Reviews for National Debt Relief

Helpful Favorable Review

Verified Customer

starstarstarstarstar
Jacque Hoppenreys
December 9th, 2019 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
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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!


Helpful Critical Review

Verified Customer

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tim ismiel
November 19th, 2019 DETAILS
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
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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


Reviews for InCharge Debt Solutions

Helpful Favorable Review

starstarstarstarstar
christine
April 13th, 2017 Glenwood Springs, CO

I was way over my head in cc debit. I was barely making my monthly payments because the interest rate was so high on all my cards. I was frustrated and literally googled debt solutions... and they came up. I was taking a total gamble on this being a good company. I have to say... I am 100% satisfied. They are AWESOME. Great customer service... promised what they said they were going to do.. and the best part.. was they got my cards down from 24% (all 5 of them) to 2% - 8%!!! I recommend them to EVERYONE I know that is in trouble with cc debit. thanks for being awesome


Helpful Critical Review

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porsha
May 6th, 2019 Evanston, IL DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
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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

Both National Debt Relief and InCharge Debt Solutions are good debt relief companies. Choosing between the two depends on how you want to approach your debt.

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.

top choice

National Debt Relief
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