1. National Debt Relief vs InCharge Debt Solutions

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
#4 National Debt Relief
8.3 Overall Score
4.3
starstarstarstarstar_half
(621)
InCharge Debt Solutions logo
#23 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
41
15
Time In Business
Time In Business
11 Years
23 Years

Ratings

National Debt Relief

InCharge Debt Solutions

Overall Score
Overall Score
8.3 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
4.2
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3.0
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Quality of Product or Service
Quality of Product or Service
4.3
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3.0
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Customer Service
Customer Service
4.4
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3.0
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Company Trustworthiness
Company Trustworthiness
4.3
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3.0
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Likely to Recommend
Likely to Recommend
8.4 of 10
5.0 of 10

Reviews

National Debt Relief

InCharge Debt Solutions

Number of Reviews
Number of Reviews
621
10
Review Breakdown
Review Breakdown
4.3
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5 star
67%
4 star
17%
3 star
6%
2 star
2%
1 star
9%
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

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Roberta Sullivan

July 12th, 2020 San Diego, CA

I hate your statements...I need a PHD to read them.....simplify them with clear name of account, balance due, amount you paid and a new balance due each month. I also need this to know when a specific account has been paid off. The one you currently send me is a bunch of garble-goop and I hate it. You remove $497.00 each month and a better understanding and clearer statement will tell me where the money is going.


Helpful Critical Review

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Khalid Nethagani

July 12th, 2020 Mechanicville, NY DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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The company is more interested in getting their negotiating fees than settling the debts . That’s is why they negotiate the biggest accounts first and leave the smaller one for last. Nothing really like their sales pitch “ get you out of debt fast.” Wish I had known this sooner. Not recommended!


Reviews for InCharge Debt Solutions

Helpful Favorable Review

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ROY L CHASTEEN

July 12th, 2020

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

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porsha

July 12th, 2020 Evanston, IL DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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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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