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
#4 National Debt Relief
7.8 Overall Score
4.5
star star star star star_half
(1,266)
InCharge Debt Solutions logo
#27 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
7.8 of 10
Review Score
4.5
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Value for Money
4.4
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Quality of Product or Service
4.4
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Company Trustworthiness
4.4
star star star star star_half
Likely to Recommend
8.6 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
1,266
Review Breakdown
4.5
star star star star star_half
5 star
74%
4 star
13%
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

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Review Source

star star star star star

Lymaris Enriquez The Bronx, NY

Working with National Debt Relief has been a wonderfully smooth and easy process. Due to work fluctuations during Covid my finances started suffering as is the case with many people during this time and I felt overwhelmed and needed help. I have been working with them for a year and a half and in that time I have been able to resolve over have of my debt with their assistance. I would recommend them to everyone.

3 days ago

Helpful Critical Review

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Marlene Santos

I wish I could leave zero stars, what a horrible experience, I decided to end the program 6 months before my four years, I realized they were taking longer than originally promised to negotiate my accunts. Oh boy, it was painful to end the program, endless calls, different representatives, no one knows what the last person you spoke with said, long wait times. I would not do business with them again and I would not recommend them.

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

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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!!

3 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

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National Debt Relief

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