Name: National Debt Relief
Rating: 4.8

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Tsmith York, PA

National Debt Relief has taken a lot of stress off my shoulders. From the very first phone call to the current moment they have been nothing but great. The process is easy you give them all your information at the very beginning and then when they get a settlement they send it to you for your approval and then the payoffs begin. It’s awesome to see my credit score going up, slowly but it’s going in the right direction, and to see delinquent accounts being removed from my report. Highly recommend National Debt Relief, if you are willing to take the risk.

6 years ago

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Nicholas Chappell Traverse City, MI

I have had no issues with NDR. They followed the contract like they said they would as far as length in months. According to my online dashboard I have paid off my creditors, but have heard nothing with regards to closure. In fact it looks like a payment is being taken in July. I started my debt payments on a contract with a different company and was very dissatisfied. (Performance Settlement) They knew I had pending problems with the IRS and I informed them at the beginning that I might have to decrease the amount they took each month. The IRS later demanded an installment agreement with me. I notified PS and they decreased the payment for about 2 months and started taking the full amount again. With IRS payments I could not pay my bills and fell behind on my mortgage. Repeated attempts to straighten the problem out with PS failed so I pulled the plug, instructing my bank not to pay them any more. Communication and follow up with NDR is much better.

6 years ago

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Roxanne Bearden Anacortes, WA

Thank you National Debt Relief for being who you say you are. We have not been disappointed with your service of helping us with your debt reducing program. In less than 1 year you have negotiated down the balances we owed with most of our debtors. We know that some will take longer but we are satisfied with the progress of you helping us become debt free.

6 years ago

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Mary Ann Talarico Denver, CO

I am grateful you i didn't know where to turn to get out of debt and you found a way.. I am also so grateful that you have been understanding through this whole covid thing its been rough for me my hours have been cut still and my Mom passed away June 7th so I have been out of work since.. and you have no bothered me for any payments. So Thank you

6 years ago

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Lionell Ball Tempe, AZ

I'm able to contact them freely and discuss my concerns and get most questions answered to my satisfaction. However, when I try to ascertain which creditors they are currently in contact and or advise them to connect with a creditor that have personally sent me an offer, the responses I get are not always clear. I like to be in the know and I feel they can do a better job of providing some visibility of what's happening behind the scenes.

6 years ago Edited September 14, 2021

Reply from National Debt Relief

Hello Lionell,

Thank you for the feedback – we’re glad to hear that overall you had a positive experience with us. A member of our team will be reaching out shortly to better understand your specific concerns. You can also call us directly at 888-660-7427

Jul. 2nd, 2020

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Nora Adams-Mangan Phoenix, AZ

This company has always been right by my side through thick and thicker. When I became a victim of identity theft and had to put a freeze on my account, National Debt Relief did not fuss, whine or complaint, a freeze was put on my account. When I got back on my feet, National Debt Relief reduced my payments and got one creditor to agree to a settlement. Keep up the fantastic representation, National Debt Relief.

6 years ago

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Janice White Van Buren, AR

When my husband was off work with a long illness, we fell behind on our debts, and the creditors were calling daily, I thought bankruptcy was the only solution. I saw a commercial for National Debt Relief, and decided to give them a call. The representative walked me through the procedures step by step, and helped me work towards a solution. Immediately the creditor's calls stopped. NDR was already working with them to come up with a plan to end our debts. The whole process has taken two and one half years and we couldn't be more pleased with the results!

6 years ago

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Sabrina Richardson San Leandro, CA

So far we have been very impressed with how quickly and efficiently National Debt Relief has been in negotiating accounts on our behalf. We also like the Account site where we can see exactly where are funds are going to. Our previous bout with another debt relief program did not have this same business model and success like National Debt Relief. As we continue to work together, I believe that my family will be out of debt in a shorter amount of time than we expect. Thank you!

6 years ago

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Shelita White San Jose, CA

All my debts were settled; however, when I looked back over my account almost all the money I saved went to NDR for their fees. I can’t really fault this because I knew their service would cost me and they basically handled all the negotiations for me. In addition, when you graduate you don’t receive anything. No documentation, no program summary, you receive no copies of the agreements in case anything comes back down the road. On the downside, they don’t negotiate terms other than the amount it appears. It would have been nice for them to include credit report assistance such as adding “paid in full terms or pay for delete” with the settlement. After graduating 2 of my creditors who agreed to the settlement decided to put the remaining balance into collections. I contacted NDR and they are helping me with this so this is a huge plus. I had a substantial amount of debt and only 2 out of the 7 creditors are still causing issues with my credit report and attempting to collect the remaining balance after settlement. Their customer service was great despite being told incorrect information by one of the reps in the past but I was able to pay off 5 of my creditors early so I would say overall my experience was great. If you are struggling with paying your debt, live in constant anxiety over it, and see no way out, NDR is the way to go. Be warned, your credit score will take a huge hit and it will take time for it to recover so if you want to purchase a home in the near future, the program may not be the best fit for you.

6 years ago Edited September 14, 2021

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Diana Arellano Rochester, WA

They helped me set this up when. I needed it the most. No judgment and super simple process. Everytime they settled an account they called and explained what that meant. They have never drafted any more out of my account than what we agreed to and they were able to settle all of my accounts. This is definitely an awesome program if you are struggling and the customer service reps are great and knowledgeable. THANK YOU

6 years ago

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Scott Fulk Crown Point, IN

I had developed a debt of $48,000. National Debt Relief negotiated a much lower payoff amount for each debt. After 2 1/2 years, I am now debt free. I can hardly believe it. National Debt Relief was super easy to work with. Basically, I just signed up, agreed to a monthly payment, and they did the rest. They even brought it lawyer to settle a particularly stubborn creditor.

6 years ago

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M MP Darby, PA

This company is the utmost respectful and understanding of financial issues. They tell you everything they are doing and the call when they have made a deal with companies. I'm half way out of debt and that makes me feel good knowing tbis company has my back. The lawyers are quick in responding to court letters etc. When struggling they work to adjust the payments and keep the online portal up to date. I have not one negative thing to say about this company.

6 years ago

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Nighthawk Grayslake, IL

Once the first debt was settled, the following three happened within weeks of one another. The settlement offers were fantastic and the repayment terms were very reasonable. It’s such a relief to have everything taken care of and to be able to keep track of everything on the website. Also, the customer service team couldn’t be more knowledgeable or pleasant to work with. Truly a lifesaver!

6 years ago

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Rubenlopez San Diego, CA

When I first contacted This company I was very skeptical and when I called customer service and have them explain to me how this company works and I did not feel pressured at all and they explain every detail About how this company works and they save me a lot of money thank you so much and if you like you can use my statement for other customers if they’re not sure about this company again thank you

6 years ago

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Sally Yandrasits Cementon, PA

I started with NDR in January of this year, we I contacted them, they were very nice and helpful. They were not judgemental, and determined to help me with my situation. They got all my information needed, and helped me fill out the necessary paperwork every step of the way. If I had a question or concern,everyone I spoke with was just as nice and helpful as the one before. I would recommend them to anyone in a dept situation, they are here to help, NOT judge.

6 years ago

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Tori M Holland, MI

I was hesitant to sign up for a program with National Debt Relief because I was afraid it was a scam or that it just would not work for me! After reading a number helpful reviews I decided to try it out, and I am so glad that I did! I was drowning in debt that felt impossible, and thought I had no options at all, but National Debt Relief has allowed me to achieve the financial freedom I was looking for.

6 years ago

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James M. Overton, TX

I started with NDR in the Spring of 2019. I had a massive debt which was over $20, 000.00. I was looking for a way to consolidate my debt. I was eventually advised that I would be eligible for NDR. I contacted NDR, everyone that I have spoken with have been great. I had a total of 7 creditors and in the Fall of 2019, 6 of those creditors have excepted the offers, 4 have been closed by pay off, 2 are still receiving payments and 1 has continued to hold out. NDR has saved me thousands of dollars, I could not have done this without their knowledge and expertise.

6 years ago

Reply from National Debt Relief

Congratulations on your progress, James!

Oct. 1st, 2019

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Angela Williams Bean Station, TN

I have been with NDR since 11/2017. So far I am pretty satisfied with the results. The only negatives that keep me from giving 5-star rating are: 1) They do take a lot of fees to settle the debt. 2) They tend to let the bills go into collection and you sometimes end up getting served papers about being taken to court, which has happened to be twice. Talk about nerve wrecking! 3) When you sign up they tell you how much you will need to pay, in my case every other week, and you agree to an amount; however, sometimes to settle a debt they will ask if you can pay extra to help get it settled. This has happened twice, once I was able to come up with a little extra and the other time there was no possible way. All that being said, I am fairly pleased with NDR. My job went downhill and I ended up unemployed and thus my bills, which I had kept paid on time every month, paid the price. So far, NDR has settled and completely paid 3 accounts for me with a fourth one being close to being paid off. I do still have 4 other accounts remaining to be negotiated and it makes me nervous that nothing is being paid on them yet. I wish I had extra money to put in the account to help that along. I have been sent a couple of papers from the creditors stating if I would settle the debt they would settle for nearly a fourth of what is owed to them. I have sent these to NDR hoping that they would reach out and do this on my behalf even if it means getting their fee a little later but this has not been the case. Every time I have called I have been helped and all my questions have been answered to my satisfaction. I have been reassured when I am in a panic about phone calls, court dates, etc. (I have not had to go to court thank goodness!!) Their staff seems to know what they are talking about and gets my issues resolved. All in all I guess I am pretty satisfied, but I hope I never have to go through this again EVER!!!!

7 years ago

Reply from National Debt Relief

Angela, thank you for sharing your experience in such detail. We admit that our program has its share of challenges. No system is perfect, and we do try to mitigate them. We also try our best to manage the factors that we can control. It sounds as though things are going relatively well for you and we want to do whatever we can to ensure this continues. You expressed a desire for things to go faster and you mentioned some challenges that are preventing you from achieving this. Try not to be so hard on yourself; as long as you remain committed to finishing the program, there's no reason why you can't.

Jun. 26th, 2019

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Paula Franklin, NC

I have to admit, joining the program was pretty scary at first. I would receive numerous calls from the credit card companies and NDR would reassure me and tell me to have them call their company. I was out of debt almost a year earlier than projected. They managed to reduce my credit card debt, in some cases, by 50%. I would recommend them to anyone who's financially struggling because of out of control debt issues.

7 years ago

Reply from National Debt Relief

Congratulations on completing the program early, Paula!

Jun. 26th, 2019

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Susie A Donley

I started Nov 15 2018 with an contract of 33 months ,In the first 3 months,1 creditors was paid the amount of 1400 on a balance of 3400.Now we are working on the 50% going to NDR for there help another month and a half that will be paid it was 700 then after that start paying into my saving with them to get enough in there to pay the next creditors, I do watch my account on there website, I don't mind the 9.95 charge for the saving account and 12.95 a month for the attorney still better then 27% interest .It hadn't been a long time it just seems like it since I am watching several times A month,To see when the amount comes out of my checking and when it is posted

7 years ago

Reply from National Debt Relief

Susie, just hang in there. You'll be in a better position to rebuild your credit once you complete the program and don't have as much debt. We'll keep giving you the tools you need to be successful.

Apr. 3rd, 2019

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Bob Levoy Jonesborough, TN

Prior to December, I was heavy in credit card debt and with now having a mother in law with cancer living with us...it is making it harder to make ends meet. After talking to National Debt Relief, they set up a plan that is working. So far they have settled five of my credit cards and looking forward to the rest getting settled and feeling relief for the first time in a long time.

7 years ago

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Brendan P El Cajon, CA

My experience with National Debt Relief has been mostly positive. So far they've managed to negotiate our debt down by more than 50%, which is amazing. We've completely paid off one of our four credit accounts, and we're on track to paying another off this year. We're still waiting for our other two accounts to be negotiated successfully, and we're hopeful that we'll be able to have similar results. The waiting game is hard, and there's not a lot of communication or updates during the negotiation process, which is frustrating. But that appears to be the nature of the process. Customer service response via email is slow, but they are very responsive on the phone, and very good at walking us through every step of the process.

7 years ago

Reply from National Debt Relief

Brendan, thank you for the update. Congratulations on your success so far. We hope to hear more from you as you continue in the program.

Mar. 11th, 2019

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Susan Bridge Niceville, FL

I was in so much debt, I had nowhere else to turn. All of the folks that have helped me get going to pay off my credit cards have been wonderfully patient and NEVER condescending. Other companies that I spoke with prior to National Debt relief couldn't even remember my name through one conversation. How hard can that be?? If I ever (pray, not0 in trouble again, I will call no other than National Debt Relief. Thank you to ALL who work there!!

7 years ago

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Amber Anten Puyallup, WA

NDR has really helped negotiate lower payoffs with our creditors and most have settled for 50% less (or more!). We still have debts to pay off, but we are getting there. They definitely are best to use when your credit is already in the crapper. If you have GOOD credit (or decent) it WILL plummet. You have to not pay your creditors for a few months before they will start to negotiate a payoff. For us, our accounts were not past due, we just had too many for too much money. Since we had to stop paying on them, our credit tanked even further due to missed payments. We started with low 500 credit scores, and we dove down to low 400's once the payments stopped. We are back in the low 500's now because some of them are paid off, but it will take some time to climb out of this. We KNEW that, though. We were prepared for it. So if you have decent credit (over 600) you may want to reconsider using this program unless you are willing to watch your score tank for a while. Their communication is good and I get emails from them any time there is account activity (no contact just means nothing is happening) and their website is easy to use. Any time I contact them, they respond quickly and efficiently. I have read other online reviews that they don't communicate well, but I have not experienced that at all. They are always there to answer a question without issue.

7 years ago

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Glenn Kyle, TX

National Debt Relief has got to be one of the easiest companies to work with out there. They are fair, as well as, a bit surprising with the settlement amounts which have always worked in our favor. They are also informative and always available to answer any questions/concerns. I love their website which allows you to see your progress at a moment's notice, after all, it is your money.

7 years ago

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Jerry Mcmillen Lake Shasta, CA

Although I hated to do it, had to call debt relief. My daughter was in a program that totally ripped her off, But I’m happy to say that National debt relief is not one to do that. They explain the terms thoroughly and not deviating from them like others. I have two accounts completely paid off that I never would’ve been able to do before. It’s nice to have somebody to help me like this And not get ripped off

7 years ago

Reply from National Debt Relief

We pride ourselves on having the highest levels of integrity and honesty in how we operate our business, and we want to make sure our clients understand our program as fully as possible. Congratulations on your progress so far and please reach out if you have any questions.

Nov. 20th, 2018

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bettina Pacoima, CA

Love them, I have been enrolled since 2014 and all of my accounts have been settled except for 2. They answered all of my questions when I enrolled. The customer service is good. I have spoken to several people when I call in, but each of them are always helpful and assists me with any issue. I am happy I enrolled with them. I placed 10 accounts with them and 7 of my accounts were settled quickly and for amounts that were affordable to me. I am always consulted before a settlement is accepted. I have had no problems, and my bank account is drafted twice a month on the correct dates. I have never had any problems with payments being made to creditors on time, not once in 2 years!

10 years ago

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Theresa Belin Glen Burnie, Maryland

They’re amazing! They have really cut my debt down in just a year I’m so happy

2 months ago

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Juma Wallace Jacksonville, Florida

Very professional and friendly service. Great customer service and easy to use systems.

2 months ago

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William Taylor Gate City, Virginia

Easy to work with! Great professional courteous employees! Thanks for saving my life

2 months ago

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Ginger Foreman Sherwood, Arkansas

Very helpful and understanding. Associates care for you in a very fast and helpful way.

2 months ago

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Jessica McLain Aurora, Colorado

Easy to work with and has helped me tremendously getting back on track with my finances!

2 months ago

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Marcella Kritz Seattle, Washington

I like how they worked with me and helped me to reach my debt pay off in a short amount of time

2 months ago

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asucena Arriaga Lakes of the Four Seasons, Indiana

Of course I would expect for this to get solved , but charging $181 every two weeks seems a lot to me . For the amount of debt I owe , for 45 months ???

2 months ago

Reply from National Debt Relief

Hello,

Thank you for taking the time to share your experience. A member of our team will be reaching out to assist you further.
Alternatively, you may contact us directly at 888-660-7427.

Sincerely,
National Debt Relief

Jun. 24th, 2026

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Chandra McBeth Bellevue, Washington

I believe this will do the right thing in helping me to have a healthy new start ...

2 months ago

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Martha Mitchell Hogansburg, NY

I was taken aback by the amount requested to settle this account. The agent worked out a better solution for me which was to my liking. Thank you.

3 months ago

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Tamey Guffey Lancaster, Kentucky

Things are of to a good start. We have 2 settlement and 1 pending. I could not ask for a better result this fast

3 months ago

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Robert Luper Allen, Texas

So far I like everything about this program. The professionalism, communication, and explaining the whole process.

3 months ago

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Amy Chismarick Tampa, Florida

Didn't have me feeling embarrassed and very polite and friendly and seems decent for contacting debt companies.

3 months ago

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Leza Turner

What I really liked and appreciated was the above and beyond customer service and help that I have received.

3 months ago

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Terri Hill

They stay in contact with you and work quickly to obtain settlements. They explain the program very well.

3 months ago

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Sonia Van Welde

Excellent customer service with everyone I spoke with and they found a perfect solution to fit my financial situation.

3 months ago

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Jolene

I like the way the debts are slowly getting resolved. The customer service reps have been nice and answered my questions when I have spoke to them.

4 months ago

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Shakirah Johnson

My debt is going down. The communication is excellent. They notify you of every change. Settlements are approved before they are accepted.

4 months ago

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Aaron Scott

Always a call or chat away and very helpful and knowledgeable representatives that do really appear to have your best interest in mind in every way.

4 months ago

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Amy Hirt

National Debt Relief has truly helped me breathe easier. I’m no longer living in fear and feel like being out of debt is truly possible.

4 months ago

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Glenn Pack

They are the complete package, working to resolve all of the issues and provide a ongoing solution through debt education.

4 months ago

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Martha Grove

They r very patient to explain whats happening. Always polite. They genuinely seem to care about my experience with them. And they reduced my debt and saved me over $3,000

4 months ago

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Marissa Uribe

Very informative and handling this matter in a timely fashion! All done with kind and respectful costumer service phone reps

4 months ago

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Molly Nelson

The process to approve the settlement was easy, straight forward and the agent was very helpful. Answered my wuestions and set my mind at ease.

4 months ago