National Debt Relief vs InCharge Debt Solutions

Jenna Vasquez
Jenna Vasquez | Contributor
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
#4 National Debt Relief
7.5 Overall Score
4.5
star star star star star_half
(1,399)
InCharge Debt Solutions logo
#28 InCharge Debt Solutions
4.5 Overall Score
3.5
star star star star_half star_border
(10)

Overview

National Debt Relief

Lowest Cost

N/A

Minimum Debt Requirement

$7,500

Services Offered

Free Consultation, Debt Settlement

Accreditations

AFCC

Is Nonprofit

No

Time in Business

13 Years

InCharge Debt Solutions

N/A

None

N/A

N/A

N/A

Undisclosed

Ratings

National Debt Relief

Overall Score
7.5 of 10
Review Score
4.5
star star star star star_half
Value for Money
4.4
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Quality of Product or Service
4.4
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Company Trustworthiness
4.5
star star star star star_half
Likely to Recommend
8.7 of 10

InCharge Debt Solutions

4.5 of 10
3.5
star star star star_half star_border
3.0
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3.0
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3.0
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5.0 of 10

Reviews

National Debt Relief

Number of Reviews
1,399
Review Breakdown
4.5
star star star star star_half
1 star
5%
2 star
2%
3 star
6%
4 star
13%
5 star
75%

InCharge Debt Solutions

10
3.5
star star star star_half star_border
1 star
30%
2 star
0%
3 star
0%
4 star
30%
5 star
40%

Reviews for National Debt Relief

Helpful Favorable Review

star star star star star

K S

November 2nd, 2022

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Review Source

Professional yet personable, too. NDR keeps me in the loop when a settlement offer is made. So far, I am impressed with how much of a percentage they are able to negotiate my balances down too. With NDR, I don't have to stress or worry about finances-they do all the work.

Helpful Critical Review

star star star_border star_border star_border

Lynne Holle

April 27th, 2022

DETAILS

Very unhappy with NDR have not heard anything from them for 2 months creditors ringing phone off the hook. I was very misled on how these bills were to be paid nothing has been paid for over 2 months yet keep taking $450.00 out of my account most of the money goes for their fees not much left to pay bills this company is a scam artist. I guess I will have to file a chapter 13 to get the creditors off my back. Would never ever tell anyone to go with this company. I will have to give them a bad rating at the BBB poor business practices.

Reviews for InCharge Debt Solutions

Helpful Favorable Review

star star star star star_border

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

star star_border star_border star_border star_border

porsha

May 4th, 2019

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

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 Logo
National Debt Relief

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