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 verified_user
#3 National Debt Relief
8.0 Overall Score
4.5
star star star star star_half
(1,070)
InCharge Debt Solutions logo
#24 InCharge Debt Solutions
5.0 Overall Score
3.5
star star star star_half star_border
(10)

Overview

National Debt Relief

Cost

18-25% of Debt

Setup Fee

None

Interest Rate

N/A

Minimum Debt Requirement

$7,500

Time in Business

12 Years

InCharge Debt Solutions

About $30 per Month

$50–$75

5-35%

None

24 Years

Ratings

National Debt Relief

Overall Score
8.0 of 10
Review Score
4.5
star star star star star_half
Value for Money
4.3
star star star star star_half
Quality of Product or Service
4.4
star star star star star_half
Company Trustworthiness
4.4
star star star star star_half
Likely to Recommend
8.6 of 10

InCharge Debt Solutions

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

Reviews

National Debt Relief

Number of Reviews
1,070
Review Breakdown
4.5
star star star star star_half
5 star
72%
4 star
14%
3 star
6%
2 star
2%
1 star
6%

InCharge Debt Solutions

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

Reviews for National Debt Relief

Helpful Favorable Review

check_circle

Review Source

star star star star star

sunday toler Matthews, NC

Awesome decision to join NDR…My goals are getting accomplished…They have negotiated my settlements and it is saving me thousands of dollars. One day I will be debt free and my credit scores will rise…I highly recommend this company.

3 days ago

Helpful Critical Review

star star star_border star_border star_border

Aleli Quintos Las Vegas, NV

I am not happy with the way my debt situation is handled. For 3 mos they took money from me, when I checked my account had $7000 sitting there and nothing has been done. They only started calling the debtors when I complained. It’s like they prolong the case so you have to pay more.

3 months ago

Reviews for InCharge Debt Solutions

Helpful Favorable Review

star star star star star_border

ROY L CHASTEEN

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.

4 years ago

Helpful Critical Review

star star_border star_border star_border star_border

porsha Evanston, IL

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!!

2 years ago

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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