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National Debt Relief

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8.1

Overall Score

LAST UPDATED: November 22nd, 2024

National Debt Relief is one of the largest debt settlement companies in the nation. Its goal is to help clients re-establish financial stability and peace of mind in the least amount of time possible.

The company works hard to ensure a positive experience with proven results through education and individual customer care. It has a $7,500 minimum debt requirement.

National Debt Relief wants individuals to achieve freedom from financial debt by receiving debt reduction services and financial consultations so that they will stop drowning in debt and will continue to live debt-free.

Many debt relief customers frequently complain about always speaking to a different person every time they call in, causing some friction in the customer experience. Additionally, fees are relatively low (18 to 25 percent of total enrolled debt) but are slightly higher than the industry average.

The company has quite the record of settling debts between 30 to 50 percent less than what its clients owe.

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The Good

  • National Debt Relief Cost
  • Great Service and Settlement Program
  • Referrals For Debt Consolidation
  • Other Types of Debt
  • Industry Accreditations
  • Money-Back Guarantee
  • Availability
  • Additional Services

National Debt Relief Cost

Positive National Debt Relief reviews indicate that NDR has a low cost (18-25 percent of total debt) with no upfront fee, which is one of the reasons some customers love the company. National Debt Relief works with all unsecured debt and some cases of student loans. 

Many debt relief companies may not be able to help with student loan debt, so it's unique that National Debt Relief helps with this on a case-by-case basis.

If a customer enrolls $100,000 of debt in NDR's debt settlement program, the company can generally cut the debt by 50 percent, making your debt $50,000 instead of $100,000. If you add on the 18 to 25 percent cost for NDR's debt settlement services, you'll pay between $68,000 and $75,000.

Customers should be aware that cost is difficult to forecast because of the variables of each individual financial situation. To accurately measure cost, company employees must take into account the determination of the creditor, the customer's credit score, the amount of debt, and state laws governing percentages that can be charged.

Approximate cost is usually determined in a free, no-obligation consultation with a debt expert. By law, no debt settlement company can charge upfront fees. Instead, payment isn't required until after debt is settled. Most companies allow a monthly payment plan, as is the case with National Debt Relief.

Potential clients should take advantage of the free consultation to learn about specific cost information for their situation.

Great Service and Settlement Program

National Debt Relief offers great features including:

  • 18-25 percent fees (competitive within the industry)
  • Consultations with no fees attached
  • $7,500 minimum debt required (industry average)

Past National Debt Relief clients have indicated that they appreciate the transparency offered by the company, the speed of debt resolution, reasonable costs, and professional level of support. Additionally, some reviews from former National Debt Relief customers who had canceled their service mentioned receiving unexpected refunds.

One recent National Debt Relief review mentions that with the help of NDR, "two settlements have been reached which leaves only three more to go." NDR clearly offers an impressive settlement program for clients.

But how exactly does the National Debt Relief program work? The debt settlement program or settlement process is three-way; it involves the debtor (you), the settlement company, and the creditor or creditors.

With NDR, customers can expect to settle any type of unsecured debt (student loan debt, medical debt, credit card debt, etc.). Unsecured debt does not have any property attached to it as collateral (such as home loan debt or car loan debt).

It is important for customers to carefully monitor their credit score and credit report. Note that the nature of debt settlement will involve moderate to heavy penalties on your credit score.

Debt settlement companies generally have clients stop making payments so that the lenders become more willing to start debt negotiation. Stopping to make even minimum payments will affect your credit.

Instead, clients pay money into a savings account each month. The money in the account will be used in the settlement agreements with creditors. Once the debt is settled, the client's credit report will show that the debts were settled, not paid in full.

Many settlement companies, including National Debt Relief, do not provide credit repair or credit monitoring services.

Those considering a debt settlement program should be aware that loan forgiveness counts as taxable income. It's important to be prepared to pay taxes on forgiven debt when going through the process.

The challenge for the settlement company is to weigh the debtors present and future financial situation against the patience and requirements of the creditors. The fact that NDR is generally providing quality customer service while navigating the testy relationship between the creditors and debtors is significant.

Those with credit card debt, medical debt, and unsecured loan debt will find that NDR understands how to get ahead of creditors.

Referrals For Debt Consolidation

There are two debt solutions in the debt relief industry: debt settlement and debt consolidation. Sometimes a debt consolidation program is really a debt management program. In these programs, a debt counselor helps clients create a repayment plan and stick to it. A repayment plan may include a strategy like finding ways to save more money or increasing your monthly payment toward one or several debts to reduce the amount owed faster.

If National Debt Relief discovers that its settlement services aren't right for you, NDR will refer you to Liberty Lending for a debt consolidation loan.

The difference between a good debt settlement program and debt consolidation loans is that a consolidation loan will weigh less heavily on your credit report because you pay the debt in full while debt settlement will aim to settle your debts at a fraction of the total money owed (sometimes as low as 30 percent of your total enrolled debt).

For debt consolidation, the company puts all of your debts into one monthly payment and tries to negotiate lower interest rates with debtors, making it easier for you to track and pay your fees.

This tactic of handling debt is also referred to as a debt management plan or debt management program. These terms are more accurate because most consolidation companies help with debt management and do not offer consolidation loans to their clients. Debt management programs also offer clients counseling services which can help them avoid future debt problems and minimize unexpected financial hardship.

However, some people are in too much debt to use debt consolidation programs; this is the reason for debt settlement plans. If you decide to settle your debt instead of figuring out a payment plan, National Debt Relief is a good option.

The debt settlement fees from National Debt Relief (at 25 percent) are slightly higher than typical fees in the industry, but if the National Debt Relief program can get your fees down below 18 percent (a low among industry fees), you should consider using its debt settlement services.

In your search for the right debt management company, be sure to give lower fees a high priority. However, it is important to take into account how much NDR can lower the total debt from your creditors.

Creditors have been known to settle with debt settlement companies for around 30 percent of the total debt amount. To figure out how much this will cost the debtor total, you must add the company’s fees (around 18 percent) to the debt settlement amount (between 30 and 50 percent). This means the customer will likely pay around 50 to 70 percent of the total debt amount.

Because National Debt Relief refers clients whose financial situations are better suited to consolidation, potential clients can trust National Debt Relief to put their interests before its business interests.

Other Types of Debt

National Debt Relief focuses on helping customers in trouble with unsecured debt creditors, like credit card companies, but also some forms of debt as well, including private student loan debt, which is rare in this industry.

Many debt relief companies work solely with customers with unsecured debt. Additionally, the company claims to offer debt consolidation services (which do require higher credit scores), another rare occurrence in the debt relief industry.

Once NDR identifies a customer's type of debt and verifies that it can help with that specific problem, the customer will open a special savings account in their name. Instead of paying your creditors, you will deposit your money into this private savings account. These funds are then used to pay the settlement.

Industry Accreditations

Another great part about National Debt Relief's service is their industry accreditations with the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). National Debt Relief is also compliant with the Federal Trade Commission (FTC).

These accreditations help legitimize the organization and ensure debt settlement companies follow consumer-friendly best practices.

Money-Back Guarantee

A money-back guarantee is a must-have in the debt settlement industry. National Debt Relief offers a 100 percent money-back guarantee. Companies offer money-back guarantees and take preventative measures in order to lessen the risk you take.

The fact that debt relief companies rarely guarantee a time or price range for settlement negotiation makes customers a bit hesitant.

To combat this, most debt arbitrators will check your credit report and ask for income information in order to ensure more accurate rates.

Availability

National Debt Relief's debt settlement and debt consolidation services are available in 41 states and territories, a higher availability than most debt relief companies. The company is not available in Connecticut, Illinois, Kansas, Maine, New Hampshire, Oregon, South Carolina, Vermont, or West Virginia.

Additional Services

National Debt Relief provides additional services for those customers who would be better served by not using debt settlement. Some customers would prefer debt consolidation, bankruptcy, credit counseling, or simple financial education services. Of course, if one can get out of debt on their own, one should try to do so.

If a customer needs help deciding whether bankruptcy is a good option (and whether to file chapter 7 or chapter 13), National Debt Relief will counsel customers on the right path forward.

The company also provides extensive financial education services to help you stay on your feet after you get out of debt.

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The Bad

  • Short Time in Business
  • No Permanently Assigned Representative
  • Few Additional Services

Short Time in Business

One concern with National Debt Relief is that they have only been in business since 2009. While this is not a major problem, it is shorter than many competitors. For example, Freedom Debt Relief has been in business for over 20 years.

Additionally, the company has only been offering in-house debt settlement services since 2017, so you might not be able to deal with as many debt settlements experts at NDR as opposed to other debt settlement companies (the same goes for the company's debt consolidation services).

Usually, when customers approach the debt settlement program, it is with reluctance, poor credit scores, and few assets; this means that those with high credit card bills or medical bills are risking their credit scores on a company with lower experience than other debt relief companies.

However, those in risk of bankruptcy are still better off with NDR, as credit scores usually bounce back faster following debt settlement as opposed to the increase of credit score following bankruptcy.

No Permanently Assigned Representative

National Debt Relief does not have one representative assigned to each individual client's case. This can be frustrating for those who call in to talk about their situation with creditors or to view case information because they will often talk to a new representative each time.

Not every customer has the same type of debt or financial situation; one customer might have high student loan debt while another might have credit card debt. This can cost both the debt settlement company and the client time and cause frustration.

Independent of whether you have student loan or credit card debt, not having an assigned representative or a credit counselor can make the whole process harder to handle.

Because debt collectors are constantly harassing you, it's always good to have someone familiar to talk to about your situation. You are also more likely to get sincere customer service from companies that offer assigned reps. Every debt relief company should assign a personal rep.

Few Additional Services

The company's disclaimer states that it does not make payments to creditors, provide tax, bankruptcy, or legal advice. Some debt relief companies (both debt settlement and debt consolidation companies) provide such services in addition to the debt relief services offered. For example, if you are overwhelmed by secured debt, National Debt Relief's services may not be available to you.

Additionally, NDR does not offer credit repair services. Such financial and legal services can be extremely useful, as debt settlement will result in a lower credit score and has been known to prompt the occasional lawsuit against the debtor.

However the specialization in debt settlement is especially valuable for clients because it means that the company focuses its energy on offering quality negotiation services.

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The Bottom Line

There are many settlement companies to choose from. National Debt Relief is a good option for those looking to obtain relief from credit card debt and even student loans because it can negotiate a settlement that is 30 to 50 percent lower than the total debt owed. We encourage those who may benefit from this to take advantage of their free consultation. Be aware of the effects of the debt settlement process on your credit score and credit report. However, if you're considering filing for bankruptcy, debt settlement can be a good alternative.

The debt settlement company didn't start negotiating credit card, medical, or unsecured debt in-house until 2017 (this means NDR might not have as much debt experience as other settlement companies).

Customers with bad credit scores due to high credit card debt, medical bills, and unsecured loans such as personal loans will find National Debt Relief helpful. Customers should note that a lower credit score is a likely outcome with settlement services and should carefully weigh the benefits of debt settlement with the negatives of a lower credit score.

Customers should know that National Debt Relief typically charges its clients 18 to 25 percent of the total amount of money owed for its settlement services. Before committing to National Debt Relief's debt solutions, customers should ask for specific cost information during their free consultation.

We recommend customers consider National Debt Relief as an alternative to bankruptcy because of its strong history of negotiating good settlements for its clients.

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Star Rating

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4.8

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2,818 Reviews

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Fushuz !

I Started program in July 2024, I was drowning in 14 credit card payments. I could barley buy food and put gas in my car. So I called NDR. I was worried to just stop paying all my cards! That's crazy right? I stopped! The creditors call all day 7 days a week! They send letters etc! But today November 2024 NDR negotiated 3 credit cards at almost 50 percent of what I owed! NDR deducts $360 a month from my bank account and saves the money for the settlements. I called NDR a few times to STOP deductions and they had no problem deferring payments. My credit went from 650 to 420 but I'm still making progress from 14 cards to 11! If you don't have any options and your struggling NDR is the way to go!! Thank you for helping those struggling in debt!! I'll review in another 6 months!!!

3 days ago

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Lady Jay

I’m happy to report that I’ve been a customer with NDR for 2 months and they have already closed 1 account. I can only hope that in the near future they will have more accounts closed for me. I love their customer service and they are always available when I need them to answer any questions I have. Thanks NDR for making me feel a lot more confident in my financial future!

5 days ago

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Rufus Mason

My original resolve with National Debt Relief was to be paying them $610.00 a month to diminish my debt. I received a call from an agent to let me know that they had spoken to one of my debtors and lessened my debt and on that debt alone it will be $360.00 for 24 months. Hopefully this is part of the $610.00 because I cannot do both or I should have left it paying as I was doing before, I went to them.

6 days ago

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Linda Chancellor

I am very pleased with the service that National Debt Relief is providing, as they have settled one of my debts within the 6 months that they have promised the process have been very peaceful and they have kept me informed every step of the way so I highly recommend them to others

3 days ago

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Jimmy Devoy

I HONESTLY CANT BELIEVE AT HOW FAST I STARTED TO GET RESULTS. THE BIGGEST LOAN I HAD WAS THE FIRST ONE TO AGREE TO A SETTLEMENT. I WAS SKEPTICAL ABOUT DEBT RELIEF PROGRAMS FOR THE LONGEST TIME. LET ME TELL YOU THEY ARE LEGIT. THANK YOU...

3 days ago

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Emma Lopez

National Debt Relief Since first day of my enrollment I feel a relief on my economic hardship. It was hard to manage my economic hardship with my health issues. Thank you!!

1 day ago

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Barbara Davis

I like the fact that this company Nat’l Debt Relief works hard for you when it comes to negotiating with the creditors on my behalf. So far we’ve settled with one creditor

6 days ago

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Destiny Effiong

I dislike how high NDR fees are. These high fees are usually higher than the settlement monthly fee which causes you take longer to pay off the debt or not able to agree to a settlement due no having enough saved in your account due to high fees.

1 week ago

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Malik Scott

Well I Love Everything Positive About National DEBT Relief Youn Know.....They Work With You on Making Positive Payments as Well as Coach You Thru Certain Situations That Accure in You Life....They Are An Absolutely Amazing Staff TO Work With.......Thank You Guy's!!

1 week ago

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tricia gustave

Exceptional Service and Stress I recently had one of my accounts settled with the help of National Debt Relief, and I couldn’t be more satisfied with the results. From the very beginning, their team was supportive, professional, and transparent about the process. They kept me informed at every step, ensuring I understood what was happening and what to expect. The settlement itself was much better than I anticipated, and I’m so relieved to have this weight off my shoulders. National Debt Relief helped me get out of a difficult financial situation and took the stress out of dealing with creditors. I highly recommend their services to anyone struggling with debt. It feels great to be back on track!

1 month ago

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Monique Barry

I haven't been in the program that long but so far I'm extremely happy with the results. They settled one of my debts and that makes me extremely happy. National Febt Relief was the best choice for me!

6 days ago

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Cheri Stanley

My most recent dealings with National Debt Relief was easily done and quick. No unnecessary phone calls were made. The text and email received were complete and informational. Very satisfied with this particular agent.

6 days ago

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Barbara Nelson

I’m so very happy that I have your company helping me resolve my issues! You score a 10 for the wonderful work that you are doing for me! I can never thank you enough for making this possible!

1 week ago

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The Egyptian Lumberjack Firewood

Taking the financial challenge from FinanceBuzz.com was a turning point for me, leading me to a company that's revolutionized my life. While challenges still exist, I'm heartened by the progress I make each day towards a more radiant future. The dedication of the Champion Agents at this company is truly inspiring.

3 weeks ago

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Reina Belmonte

What I liked about NDR is they’ve worked on my creditors faithfully. I’ve felt less stress. I had felt defeated like I would never be able to be debt relief. Yes it’s taken longer than anticipated but I’m starting to see negotiations being successfully paid off. Glad I went with NDR! Thank you!

3 weeks ago

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Michele C

National Debt Relief has done a great job with my account. They give me new information as it comes in and they contact me for any settlements that have been arranged. They make it super easy to close the arrangements. Staff is totally amazing.

3 weeks ago

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Nancy Sherburne

One of the four creditors being taken of my NDR had made a proposition which I, with the help of my paralegal, accepted. I only had to sign the agreement by Capital One while NDR did all the rest. I am relieved one account has reached that stage so soon, and hope the other three are as swift.

4 weeks ago

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Claudia Donolli

I went to NDR through desperation. I had 0% on my credit cards and after going to the same company for another 0% With about a 767 credit score they could not put their debt on their own 0% card. I was facing $900 a month payments at 29%. Although I was told what the servicing\negotiation fee was. I was told don’t pay your cards anymore. If I continued to pay something my fee would have been less. Once I notified the cards of your phone and address no other bills were sent to my home. It’s a catch 22.

1 month ago

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Teresa

I was VERY Skeptical about calling! I didn’t want to get caught in a trap!!! However, Thanks to my Son who has a good friend that used National Debit Relief and said he was glad he did! And, I am extremely glad I did!!!!! Took a huge weight off my shoulders and I don’t even worry about the debit I was in! I was doing good until I ran into some issues that I couldn’t avoid and that’s how I got so far in debt… THANK YOU National Debt Relief!!!!

1 month ago

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Rebecca Albin

I have several accounts placed with them some of which they offered to resolve when I was exploring this option. This has taken a huge weight off my shoulders and allowed me to plan for the future better and resolve some debt. One of the accounts has already been negotiated and is currently being paid through my account. I am extremely pleased with all their assistance and the stress relief provided.

1 month ago

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Patricia Caussade

I haven't been with them long right now but they have been very helpful to me. I recently received an email letting me know of my first creditor who had a great settlement offer for me. Their representative explained it to me and when I didn't understand she explained it even better where I did understand. They have been very supportive to me since I first engaged them.

1 month ago

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James Edelen

I am honestly pleasantly surprised on how the process of beginning my journey to financial relief has begun! My customer service rep was very informative & knowledgeable with detail of how I can eventually save money as I have LOTS of interest I was paying on my debt!! I started this journey a month ago and already approved my 1st settlement!! I look forward to LESS STRESSED going into 2025!!! Glad I inquired after hearing advertisement on Sirius XM while listening to Kevin Hart radio!!!! This is legit!!!!!

1 month ago

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Artorias Pendragon

I absolutely love the professionalism and the kindness the people at National Debt Relief have every single time I call and have had spoken to them. They are so compassionate, considerate and really blew me away with the stellar service they have. I finally feel like I am able to escape the debt I have been stuck in after losing my job as an EMT due to my medical issues and they have had my back since December of 2023. I always tell everyone how much I love National Debt Relief and recommend them every chance I get. Each question I have, they always are able to answer it with such ease in a way that is easy for me to process.

2 months ago

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Michelle Wilkin

The process has been easy. I just gave them the list of my debts and they get to work and do the negotiating. I like that they communicate with me frequently to keep me posted on the status of my debts.

3 weeks ago

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Gavin Newton

National debt relief has made me feel less stress by helping reduce my debt & coming up with a plan towards becoming debt free! All I had to do is call & they had my back since then. Thank you national debt relief

3 weeks ago

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Ashley Mundy

Customer service agents are pleasant and explained everything so I had clarity on my settlement. I really like how my fist settlement was negotiated soon after my first payment which is amazing. I like how they showed me my settlement amount along with my monthly payments broken out.

1 month ago

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Kirstynn

Every time I've had to call in or speak with anyone it has always been a quick and easy process. The time was taken today to explain things to me, but also not take up too much of my time. Always kind people and I very much appreciate the customer service National Debt Relief provides.

1 month ago

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Capricorn_59

I recently started with National Debt Relief, and I have already received a settlement offer on one of my credit cards. They're service has been great so far. National Debt Relief is actually giving me some very needed financial relief. Thank you National Debt Relief

1 month ago

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Kim Thomas

I'm so happy for selecting National Debt Relief for helping me to being on the road of resolving my debts. I have only been with them for a couple of weeks and they have already come to a settlement with one of my collectors. Thanks again for helping me and I really appreciate your service.

1 month ago

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Lance

So far, so good. If you are unable to pay your credit card debt anymore, this is a great way to pay over time and satisfy your debts. I was skeptical , as anyone probably should be, but NDF has done exactly what they told me they would do. Their customer service is as good as it gets.

1 month ago

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Deborah McKee

National Debt Relief has done an excellent job helping me with my debt consolidation. I have had to call several times to seek advice on how to deal with creditors, all NDR representing have been very knowledgeable and helpful. I recommend this company for anyone seeking debt consolidation.

1 month ago

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keri monteiro

I am SO grateful!!!! Like wow. They seriously are so helpful. National debt is starting to settle my cards and my first one was 9700 and they settled it for 3400!!!!! Such a relief knowing i don't have that debt. That was my highest debt!!! And it's gone!! I'm going to be so smart with my credit now after this!

1 month ago

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Wendy Stewart

The representative explained the program, the process, answered all my questions. He had empathy for me when I described my financial struggles and the need for debt relief. National Debt Relief delivered as promised, negotiated a settlement, secured a payment I can afford. There is a light at the end of the tunnel!

1 month ago

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Diane Thomas

I feel so blessed that NDR is helping me pay off some of my debts. I would have never been able to pay off my loans, the balance just goes up up up. Everyone I have talked to have been kind and very helpful. Thank you, Diane T

1 month ago

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Michael Jasmin

You all have been doing a wonderful job to get my accounts moving in a positive direction and being settled. I really didn’t think anything would happen so quickly. I have agreed on my second settlement in less than two. Thank you so much for your hard work and dedication to helping people like me get out of debt and put more money back into my pockets.

2 months ago

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Kathryn

I am very pleased at this point, could never have paid this account off making payments in such a short amount of time. I had always made my payments on time, but could never get ahead of it because of the high interest rates. I don’t know how many times I asked for a lower rate do to our present economy and I am on a limited budget (Social Security). The business still got what I had actually put on the card, so I feel pretty good about making my decision to contact National Debt Relief.

2 months ago

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RebelGem626

When I first reached out to them for help they were very good at explaining everything and walking me through the process of it all. When I have called them to accept settlements, when I tell them of some good changes they show genuine excitement for our good situations. And they have been very good at communicating letting me know whenever a settlement is ready for review, both and text and email. And when a response has not been answered right away they will also call too. So they definitely make sure that you get these settlements taken care of as soon as possible so you can get the best deal.

3 months ago

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Ana Paola Campos

Relief is exactly what you have brought to my life. I have felt supported at all times. Thank you so much!

3 days ago

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National Debt Relief

In my short time being associated w/ National Debt Relief I’ve already had good things happen. I can only hope that the rest of my time w/ them wil be the same.

1 week ago

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Jana Ward

I have a client for a short time. However I was able to deposit enough funds to get one of my credit card bill taken care of.

1 week ago

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Rose

So far this company has resolved one of my debts . I only wish more could be resolved and at a faster pace but I understand the work that goes into these processes. Thank you .

3 weeks ago

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Claudia Lang

Everyone is very helpful and very patient and answering my questions. They seem like they are really committed to helping me to resolve my debt issues.

3 weeks ago

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Spf 18mm

In the beginning was a little discouraging but they started working really fast and things are moving along smoothly the wife and I are very happy that we found them as they are delivering what they advertise

1 month ago

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Rachele Otterson

I have only been in the program for maybe a month when they sent me my first settlement offer that saved me about $2,000 on that particular debt. They really have given me piece of mind. They are genuinely with you every step of the way. I am grateful for them! Freddy was an amazing representative and so refreshing to work with.

2 months ago

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thang min wang

When I applied the program I was worried about something but I was still waiting for it. I also nervous and try to relax myself . When I saw my email I can’t believe myself you’re guy cutting off my debt . I’m really appreciative for that.God bless you all.now I’m getting out the debt . Thank you so much for all 🙏🙏🙏

2 months ago

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Florence Gardner

I have been so impressed with National Debt Relief and would highly recommend using them. Approaching them was a last resort for me. I was filled with so much fear and shame but knew that I didn't have any other option. They quickly put me at ease, reassuring me that I am not alone. They have been extremely helpful and responsive to all my questions. I am very grateful!

3 months ago

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Jan

NDR is a lifesaver - enabling me to free myself from suffocating debt in two years!

2 days ago

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Charlene Aragon

Her kindness was just what i needed for my situation. She was professional and amazing.

3 days ago

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brenda wilson

Very professional. Highly recommend this company to help get your life straight.

5 days ago

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Richard M Politano

It's a sigh of relief to see the debts being settled. Didn't expect it to happen so fast

5 days ago