Name: National Debt Relief
Rating: 4.8

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Nick ,

I had a pleasant interaction with them the entire time. I entered the program in January 2018 with debt of $20,951.00. National Debt Relief settled my debt by June 2020 for only $12,198.24. This program saved me $8,752.76.

6 years ago

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jen Missouri City, TX

Representatives are very sincere, helpful and knowledgeable.. I've been with them for at least 3 years and I'm quite satisfied with the way my debts are being reduced, as well as, good record keeping..

6 years ago

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Kendra J Castro Valley, CA

At first I was skeptical but seeing such quick progress in lowering my debt, I truly can't complain. Every single person I've talked to on the phone when having any questions about anything, have been so incredibly pleasant.

6 years ago

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Gerry Barascout Lake Mary, FL

So far I am very satisfied as the program is working as described at the beginning, in less than 2 years most of the debts have been paid for or are already in process to be paid.

6 years ago

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Rickey Venable Middleburg, FL

So far painless and a load of my mind.The staff are very polite and takes the time to make sure that l am comfortable and makes that I understand the process and know what's going on.PS,Keep Up the GOOD WORK.

6 years ago

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Orna Greene ,

I do have mixed feeling about your performance. During April or May of 2018, I registered in your program. I was told it would take 18 - 24 months. My final payment was set for April 2020. One of the creditors did not readily accept the offer, but that amount remained in the calculation for April 2020, I checked my status, only to be told that my debt payment is due to end in January 2020. How could that be? Tell me it's a mistake.

6 years ago

Reply from National Debt Relief

Thank you for bringing this to our attention. We try to maintain the highest standards of service and can appreciate your frustration when that does not happen. We will be reaching out shortly, but you can also call us directly at 888-660-7427.

Jun. 30th, 2020

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Christina Black Citrus Heights, CA

So far, they have been good. When there a financial issue when I can't pay them they are very understanding to postpone payment. Not only that they getting my debts resolved too.

6 years ago

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RHP Sparrows Point, MD

Excellent customer service. Always helpful when I contact them and I never sit on hold or get transferred 20 times. They resolve my issues or answer questions quickly and efficiently

6 years ago

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Jamie Callahan Boise, ID

They have been kind, professional, and informative from start to finish. I don’t get bombarded with emails or calls... they address questions immediately and overall they have been great to work with.

6 years ago

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John Fontaine Hamtramck, MI

I have 4 account inrolled in the program, three of them are settled, I had a offer for the 4th account, but National Debt Relief on two occasions denied the offer I had from the last account, says if I accepted the offer that I would do so on my own!!! Is this a way to keep me in the program longer just to get more money from me!!! This is how I felt, and I should be the ultimate authority to make decisions with my accounts!!!

6 years ago

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Midge Regester Hamilton, MT

Like being wrapped in a warm comforter !! There was never any doubt This Staff could not handle any of Our problems, and with sincere manner , regardless of who I reached. Their consistent

6 years ago

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Eduardo Ayala Philadelphia, PA

Terrible experience ,I sing up and make the deccision to enroll in this program they told me that I will be free of debt and pay off my loan in a 3 years period free of debt,after dealing with lawsuits and creditors calling you pluss having a payments of $ 500 dollars a month. they reffer me to a consolidation plus company and I* had ad 3 more years of paying the same amount..believe me guy's if I now this was going to be like this I would choose stay with my debt and continued to pay as normal. I don't recommend this service or this company to anyone.totally they never remove from my credit the small things they did. Stay away ...Stay away..

6 years ago

Reply from National Debt Relief

I'm sorry to hear about your experience and want to thank you for sharing your concerns with us. Based on the limited information provided, we are unfortunately unable to locate you in our system. If you can provide an email address or telephone number, we can pull up your account. Please contact us directly at 888-660-7427.

Jun. 3rd, 2020

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J Rios Euless, TX

So far so good. Started in September 2019 and I have 3 settlements completed already. Got a ways to go but the process has been pretty smooth. I still get calls and letters from creditors but NDR had advised that may happen so I knew up front. I just do what they advise and go on.

6 years ago Edited September 14, 2021

Reply from National Debt Relief

Thank you! The team here at National Debt Relief is thrilled to hear such good feedback, and we are proud to be your partners on the road to a stronger financial future.

Apr. 8th, 2020

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Jayson East Berne, NY

THEY DO WHAT THEY SAY,ITS ALWAYS ROCKY IN THE BEGINNING GETTING STARTED BUT ONCE THINGS LEVEL OUT THEY TAKE CARE OF EVERYTHING AND ARE ALWAYS FRIENDLY AND EASY TO GET A HOLD OF IF YOU NEED HELP

6 years ago

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Donald Thomas Athens, TX

Great people to work with and help move me toward overcoming debt and saving me money in the process. Love the personal touch as real people contact me as we are moving through this process.

6 years ago

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Pam Arlington, TX

This has been a life saver for me. After the first few months they settled 3 of my accounts & now working with the others. Always easy to talk with & they are friendly & professional. Highly recommend.

6 years ago

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Ladybug Leesburg, FL

National Debt Relief is an excellent company to help you become debt free. They are very helpful if you have questions. Everyone I spoke to there is great. They are taking a lot of stress off of me.

6 years ago

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steven goodbread Sewickley, PA

The process is slow, a lot slower then expected. It is also so damaging to my credit. Years of rebuilding it, wiped out since signing up. I kind of regret signing up, but at the same time it seemed to be my only option in debt relief. The people are great though.

6 years ago

Reply from National Debt Relief

Steven, we're sorry to hear that the program doesn't seem to have met your expectations. Thank you for bringing this to our attention. Our process has its share of challenges but we're still confident that it's the most effective way to resolve overwhelming debt in the shortest time possible for the least money possible. Our agents would be happy to review the process in further detail in case you have other concerns.

Oct. 1st, 2019

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Robbie J Stephan Frederick, MD

I am not sure how they fo things. Meaning I thought they contacted my debtors and arranged payments to them. I have one paid off and 2 others payments are being made to. I have no clue what is going on with the other debts I have. Communication is lacking.

7 years ago

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Lynnell Florissant, MO

I have been with NDR for a year now . So far they paid off one creditor and are working with three. I am going to be served soon on my Macy credit card. Very nervous. I haven’t heard anything about anyone experience How NDR handle these situations. Should I try to reach a payment agreement with Macy myself. Cannot afford to have wages taken

7 years ago

Reply from National Debt Relief

Lynnell, we understand your apprehension but we can still help, even if Macy's serves you papers. Please contact Client Success to discuss your options. We have a system in place to prevent further escalations. Thank you for bringing this to our attention.

Apr. 5th, 2019

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Uday Gunjikar Sunnyvale, CA

Very professionally handled debt consolidation -- they did an excellent job of consolidating my debt in no time and handling payments with excellent settlements. Pain-free and hassle-free experience.

7 years ago

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PRobinson Cordova, TN

Their customer representatives are always polite & helpful. NDR has taken a load off my shoulders and I finally see a light at the end of my debt tunnel! The periodic emails offer advice & encouragement.

7 years ago

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B Rocha Killeen, TX

It’s been a hard financial journey for our family and NDR has truly helped us settle some of our debt. We are not yet finished but I do see light at the end of our financial tunnel. The customer service team is amazing!

7 years ago

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Erin Escondido, CA

Awesome customer service, very helpful, and great team and 100% I'm very satisfied and no regrets choosing the NDR to solve my problems and I'm very happy, thank you very much ,God bless

7 years ago

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Dawn Arpin, WI

After the initial process and getting set up, my experience with National Debt Relief has been positive. Even though it requires patience to go through the process, it has been very helpful. Some of my debt was settled faster than what I thought possible.

7 years ago

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D. Michaud Escondido, CA

We are in the middle of our contract and so far so good. They keep in contact with the creditors and me and let me know when there is a settlement offer. So far they have settled 4 of my 10 accounts. Happy so far.

7 years ago

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William Emrich Kokomo, IN

I'm deeply disappointed with NDR because I fail to see any activity in my account. The reason given by NDR is that they are waiting until I accumulate enough funds in my account so that they can pursue settlement agreements with my creditors. I'm not buying this reason. All they are doing is collecting interest off of my money and charging me a fee to do so.

7 years ago

Reply from National Debt Relief

William, we're sorry your experience hasn't met your expectation. Let's see if we can clarify any misunderstandings you may have. Firstly, the money in the savings account doesn't generate interest. The account isn't interest-bearing and its sole purpose is to hold and save your monthly drafts. Secondly, remember, we aren't a bank or a lender. The funds we will eventually use to repay the creditors comes from your monthly drafts. Think about this: when you enroll your accounts, let's say we start negotiating immediately and we have a settlement within (1) month. Your creditor will expect payments to start right away. If you don't have money in your savings account. we can't make those payments for you, so the negotiation would have been a waste. Any subsequent negotiations may not yield a result as favorable. This is why we must wait until there's enough in the savings account before we start the process. If you'd like one of our agents to review how our program works with you, we encourage you to reach out to us. We're happy to help.

Mar. 11th, 2019

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Nettie Laster Oxon Hill, MD

My experience with National Debt Relief has been a very rewarding one. They are very concern with helping you get out of debt and very understanding when it comes to personal hardships after they have taken out the money allotted for your case. I know I will be out of debt soon with this company because they do work fast!!!.

7 years ago

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Lionel R Harkey Carrollton, TX

Very good at what they do to make you feel this is a legal way to fight credit card debt. It seems the more I pay the quicker but it sorta defeats the propose of using them. My credit has dropped tremendously and now I can't buy much using credit rating

7 years ago

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JESSICA SUSANNE SANDOVAL

i have spoken with the staff in several departments on several different occasions. They are always courteous and very informative. I have never had a question or a concern go unanswered. I would highly recommend!!

7 years ago

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Solangel

So far my experience has been pretty good, NDR, has already resolved accounts with four creditors, in only seven months. I am so thankful . They always communicate with us and let’s us know what is the next step.

7 years ago

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Shirley M Chandler Ferriday, LA

I'm highly expressed with your company and the people I have talked to since the very beginning are nice and helpful and its easy to explain what I need. Great company so far.

7 years ago

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John Dyersburg, TN

Very professional operation did everything as promised. Only had one issue. Through the process you are directed to change your mailing address to their New York address for all your creditors. My lack of research and no mention from NDR Of the fact that all the creditors with charge offs report them to the irs and notify you via mail with a 1099-C . All your erased debt is to be reported as income (I never thought of this) All your mail from these creditors now goes to New York so that’s where all the 1099-C statements went. Got a letter two was before Christmas that i failed to report $17000. Erased debt as income and i owe the IRS $4000. Fit to be tied should have been clear from the start of the process

7 years ago

Reply from National Debt Relief

Hello John,
We are sorry to hear about your experience and would love to hear your feedback so that we can better understand your concerns. Unfortunately, we can't find you in our system. Please contact us at 888-660-7427 to discuss in more detail. Thank you.

Dec. 17th, 2018

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Lisa

I like them, however, I don't appreciate getting an email you agreed on said number, I approve said number then a few hours later getting a new email saying you agreed on a new and higher said number. Then you wouldn't even lessen your fees to make up the difference. Don't send emails to customers saying you agreed on a number until it's actually for sure the number. Super unprofessional and makes the customer extremely upset.

7 years ago Edited June 28, 2024

Reply from National Debt Relief

Lisa, congratulations on completing the program! We're glad we could be instrumental in restoring your family's financial situation. Thank you so much for taking the time to leave a testimonial, and we all wish you and your family the best of luck.

Dec. 12th, 2018

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Thomas Hullinger Pleasant Grove, UT

I am currently enrolled with National Debt Relief and they are saving me thousands of dollars. They have reached agreements with my creditors and take the hassle out of dealing with the collectors.

8 years ago

Reply from National Debt Relief

Hello Thomas,

Thank you! The team here at National Debt Relief is thrilled to hear such good feedback, and we are proud to be your partners on the road to a stronger financial future.

Oct. 10th, 2018

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Candace Dorsett Los Angeles, CA

I began with this company in February of 2014 and completed the program as of August of this year (2017). I just finished an excel spreadsheet analyzing how much I paid in fees and how much they were able to settle accounts. Overall (between the fees they charge the settlement amounts paid) I wound up paying 76% of what I owed in debt. The reality of it is, an individual can settle their own debt themselves if they have enough self control to set aside a monthly minimum to pay their debtors. All the debtors accepted a monthly payment until the settlement amount was reached. One account wound up filing a law suit but NDR was quick to communicate and settle with the debtor before it ever reached court. Needless to say, between the fees and their lack to settle ALL accounts for 50% or less than what is owed ... it's not really worth it. I wouldn't recommend this company and I'm glad the program is over. I actually had to remove an account toward the end because they refused to negotiate until the account went to a 3rd party collection company. It was the last account and the money to pay it was just sitting there. I got smart and saved myself the headache by removing this creditor from the program and ending the program rather than waiting for them and letting the account age further. Choose another Debt Relief program with lower fees and faster service.

8 years ago

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RJ Smith Costa Mesa, CA

Good customer service overall but a couple of their reps made critical errors that led to a lawsuit and additional legal fees which they should've paid but didn't. Also encountered surprisingly rude reps a couple of times. Potential clients: study contract carefully before committing. Their settlements won't always be as high as you think; fees accumulate, are not trivial; projected number of payments may be based on you making extra deposits you didn't commit to; may tell you monthly deposits must increase or risk extending your payments; some accounts may be sit around until frustrated creditors file suit. Also note that any settlements above $500 are reported to IRS. You'll receive a 1099-C form and many will owe income tax on these amounts. These are additional fees that I didn't find out about until I received my first 1099-C. NDR never mentioned this pre-contract. I regret not managing my own debt settlement. It's not rocket science, folks. Main reason for going with NDR was to make sure I didn't get sued. I got sued, it was avoidable, never should've happened. Five stars is fair based on my experience.

8 years ago

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Jorge Latorre San Juan, Puerto Rico

Son excelentes, estoy agradecido con el proceso

2 months ago

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DEENA BURNETTE Wytheville, Virginia

So far I'm very pleased with national debt relief

2 months ago

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sherry hayford Box Elder, South Dakota

They go to bat for you I would recommend them highly

2 months ago

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melissa turner Schertz, Texas

Very easy to work with, it has made my life alot easier.

2 months ago

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Dan Shafer Baldwin, MI

IT SEEMED A LITTLE SLOW AT FIRST BUT IT IS MOVING ALONG NOW.

2 months ago

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Gerald Voll Tampa, Florida

Good service! Quick, efficient, professional

2 months ago

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PS A Stafford, Virginia

DO NOT USE THEM!! They don’t contact your creditors as they promise to do. They do absolutely NOTHING! Creditors will literally take you to court!

2 months ago

Reply from National Debt Relief

Hello,
Thank you for taking the time to share your feedback. We are unable to identify an account without additional information. If you are enrolled in a National Debt Relief debt settlement program, please respond with your name as it appears on your account and state so we may locate you and assist you further.
Sincerely,
National Debt Relief

Jun. 24th, 2026

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Luz Valdes Middletown, New Jersey

More comfort I can sleep more resolve my problem

2 months ago

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MARCIA F PEQUENO Boston, Massachusetts

They do what they say! Great interactions!

2 months ago

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Berlinda Kollie Charlotte, North Carolina

They give me a stress free sleep and life

2 months ago

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Angelina Story Whites Creek, Tennessee

Love your customer service support people.

2 months ago

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John Powers East Providence, Rhode Island

They helped me get out of dept in a fast and eazy way.

2 months ago

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William Hagenbaugh III Plymouth Township, Pennsylvania

They are doing exactly what they said they would

2 months ago