Name: National Debt Relief
Rating: 4.8

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Braulio Neira Donna, TX

I enrolled to National Debt Relief in order to consolidate and my credit debt. My first credit card was settled from an original balance of 10,449 to a settled amount of $8,766. While they offer to settle your debt for 50% they actually settled mine for 83%. The problem is that they charge a negotiation fee of 25% which in my case was $2,612...so in total i will be paying $11,378. That's right, i will be paying more than I originally owed after paying my settlement + their fee. How is that supposed to save me any money? Naturally I called concerning this situation. I was told by a QA that they would escalate my concern and see if they could reduce the negotiation fee since I would be paying more than owed after it was all done. 2 months passed and I called back to see if there was an update but to my surprise, they weren’t even aware of any escalation or what was said in my last call. I was told the negotiation fees were fixed and there was nothing they could do. So from my personal experience, I was disappointed and let down from their original promise to save money settling my debts. I will be paying more then originally owed using National Debt Relief. I hope this review helps someone. God Bless. PS. I should also mention that I have left my own personal reviews in as many sites as I can so that my experience with NDR reaches other people considering this option. I have found that 100% of the time NDR responds to a review, they write a generic response saying they will be “reaching out” to you. They have never reached out to me. Or better yet, they will ask you to call in to discuss this issue. When I called, they had no idea what I was talking about and transferred me several times just to simply reiterate that they can’t do anything about it. The same NDR agent responding to these reviews should do the research on the account in question and call us back with actual options, solutions or explanations.

6 years ago

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John

They started out really well. Then they became a serious disappointment. They tell you you call ahead and they rearrange payments they read a script that basically says he if you make changes you may or may not lose your dettlement. So when you make a deal make sure.you can cover because it is not easy to change. If you being sued by a creditor they will throw the worst possible offer in front of you. They say they will not collect there fee up front they do. They will collect all of thete fees before they finish paying creditor is paid off. If you credit is already in the toilet you would be better off filing for bankruptcy. My piece of advise is when you make your payment plan with do not fall into the trap of them telling you need to add more money.

6 years ago

Reply from National Debt Relief

Hi John,
I’m sorry to hear about your experience and also want to thank you for sharing your concerns with us. Unfortunately, we can't find you in our system. Please contact us at 888-660-7427 to discuss in more detail. Thank you.

May. 14th, 2019

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Kirah Bidwell Menomonee Falls, WI

Resolved 2 of my debts fast!! Happy with the employees and program! Hoping to get the ones still to be resolved taken care of asap!! I like not recieving any collection calls as well!!

6 years ago

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Matt McP Freeport, FL

I had $32000 in debt. NDR has already saved me over $4000 in payoofs and that is with only settling 2 accounts. I have a long way to go but they are doing what they promised.

6 years ago

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Craig Saline, MI

NDR was very helpful with settling my credit card debts. Thank you! However with regards to my AMEX account they were not successful in negotiating a debt settlement with them due to their aggressive collection methods.

6 years ago

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Christopher Owen Etter Brighton, CO

They have done a great job resolving my debts since I began 2 and a half years ago. At this time, I'm close to being free of the debts that were causing me sleepless nights.

6 years ago Edited September 14, 2021

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James Staples Friendswood, TX

Most time when I call, I can expect to be there n hold for at least 5-10 minutes. Before they even ask my name I have to give them my phone number, address, last four and date of birth. They should really think of creating a pin or secret password instead. Now on to the nitty gritty. I loaded 5,000$ into my account my only for all of that to go towards fees, I was upset yes, but life went on. I put my entire tax return into the account (nearly 3,000$) and needed to skip or move a payment to the right. Well the money I put in there the second time also all went to fees, so my bank is now negative and in the red because when they take out their fees upfront they don’t leave anything for principal at all....nothing. I’ve been in the program for closer to a year and still have two accounts that haven’t been reconciled or atill in negotiations. Very disappointed for this company not sticking to their own schedules in regards to collecting their fees. They don’t care about helping anyone, just another money grabbing scam. 0 stars.

6 years ago

Reply from National Debt Relief

Hello James,
I’m sorry to hear about your experience and also want to thank you for sharing your concerns with us. We will be reaching out shortly in order to better understand and hopefully resolve. You can also call us directly at 888-660-7427.

Mar. 20th, 2019

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Nicole Fairfax, VA

Zero rating may be a very kind rating! DO NOT fall for this company's schemes. They are scam artist that have no real interest in helping resolve credit issues. My debts are caused by my company and therefore fall on me. They gave me a smooth song and dance and claimed to be able to help with a large debt settlement. 2 years into their program - My husband had a severe heart disease. My sole source of income was lost. I contacted them many many times letting them know that we have a problem. They instead kept on me to increase my monthly payments to them. When I told them that I am having serious financial hardship - they informed me that they will remove the large debt - the main reason why I signed up with them - from my account. And if I wish I could try and settle with them on my own. I had read that before and I did not heed the reviewer's caution. SO PLEASE HEAR ME - DO NOT SIGN with these guys. Try and negotiate with your lenders on your own. Now after all this time - my credit score is in the toilet because of the way they schedule the settlement. And I could have most likely - done a better and more prudent job - of trying to do this myself.

6 years ago

Reply from National Debt Relief

Hello Nicole,
I'm sorry to hear about your experience and would like to thank you for sharing your concerns with us.
Please contact us at 888-660-7427 to discuss in more detail. Thank you

Mar. 20th, 2019

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Codi Lark Sierra Vista, AZ

Great! I love that they contact when it’s important otherwise handle things behind the scenes not bugging me every two mins! I like phone calls instead of emails too!

6 years ago

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Joseph Albert Clinton, WA

I'm very pleased with the settlement of the first two accounts but have not heard anything about the rest. I gave verbal feedback through a telephone call about a week ago That call included the foregoing comments.

6 years ago

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Velet Jones Chesterfield, VA

I only have 1 recommendation and that is to let National Debt Relief appear on all company phone numbers. Not understanding # 4, however I answered.

6 years ago

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Eric P.

Would like to be better informed as to scheduled events like who’s going to be paid next etc. I also think an every 45 day call from CUST service would make the program more paletteable.

6 years ago

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Donna Spring, TX

I know that things take time and so I'm not surprised that some debts are still not resolved. However, I feel very out of the loop regarding where the unresolved ones stand. I don't know if NDR has even had contact with these creditors. I don't like not knowing anything.

6 years ago

Reply from National Debt Relief

Hello Donna,
I'm sorry to hear about your experience and also want to thank you for sharing your concerns with us.
Unfortunately, we can't find you in our system. Please contact us at 888-660-7427 to discuss in more detail. Thank you.

Feb. 20th, 2019

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Alexa Bourgeois San Juan Capistrano, CA

I haven’t heard from anyone at National Debt Relief in quite sometime. Only 2 of my debts have been negotiated. I paid for the law services and they refused to help me with a debt that wasn’t and isn’t on my credit report, we both knew nothing about, and started garnishing my wages over $600 monthly around a month (still brand new) after I started with the company. I would expect much more to have been done by now. I’m disappointed with service immensely but dedicated to making my debt disappear through hard work paying it off. Why isn’t anything progressing? Sure hope I’ll be receiving a call soon.

7 years ago

Reply from National Debt Relief

Hello Alexa,

We apologize that our service did not satisfy your expectations. We set a high standard for ourselves and are truly sorry to hear this. Your happiness is our number one priority. I will be reaching out shortly and you can also call us directly at 888-660-7427

Nov. 26th, 2018

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Linda Hahn Omaha, NE

The staff there has been very efficient and helpful. I am in a much better place and frame of mind since reaching out to them and cannot thank them enough

7 years ago

Reply from National Debt Relief

Linda, thank you for taking the time to leave a review today. We have some of the most talented and hard-working agents on our staff and we're glad that they were able to help put your mind at ease concerning this process. We wish you the best of luck!

Nov. 20th, 2018

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Tyrone Wells Fishers, IN

Don't Trust these guys, this company is nothing more, than people that take advantage of poor people in debt, let do the maths, DISCOVER, $13063.00 I own them, they settle for $10492.32, they receive 21% up front, that $2753.23, so the money up front puls the settlement add up to, $13235.55, you just cost me $172.00 more what I recently own DISCOVER. HOW IS THAT HELPING ME! Next CITI, before I even ask for help from them, CITI settle with me for less than $3300.00, I send National Debt Relief a letter, with that settlement on it but they choose to take 21% out of $8590.00, WHY? This company have you wait from 6 months or more before they settle your debt don't be a fool, they just fatting you up for the kill, they waiting for there 21% up front, so far this company have not save me anything so far, They put me more in debt. TYRONE WELLS

7 years ago

Reply from National Debt Relief

Hello Tyrone,

Thank you for bringing your concerns to our attention. We work hard to provide the best value as we help our clients become debt free. A member of our team will be contacting you directly to review your experience and better understand this specific situation. If you prefer, you can also call us directly at 888-660-7427.

Sep. 18th, 2018

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Lavanda A Watson Cornersville, TN

I joined and they have taken out one payment. A credit called the number I was told to give them and they told them they could not give them any information as I had not paid. Really!! When I call client services about this, they acted like I was an idiot, wanted to tell me how the program worked again and when I told them I didn't a lesson in how it worked, I wanted an explanation as to why they did that, she said they didn't say that....LIARS! Then she wanted to transfer me someone else. I don't do run arounds very well and this is what they do. They took out almost 400 on the first debit and another one is supposedly coming out tomorrow. I am cancelling this and going with free one here locally or declaring bankruptcy

7 years ago

Reply from National Debt Relief

Hello Lavanda,

Thank you so much for your feedback. We pride ourselves on our customer service and providing our clients with the best possible value. A member of our team will be reaching out shortly to better understand and hopefully resolve your specific concerns. You can also call us directly at 888-660-7427.

Sep. 18th, 2018

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WALTER JONES Henderson, NC

AT FIRST THEY PAINT A GREAT PICTURE, BUT ALL THE THINGS THEY SAY WILL PROVE TO BE NOT TRUE AS TIME GOES ON. WHEN WE FIRST STARTED WITH THEM, WE WERE NOT BEHIND ON ANY DEBTS, JUST STRUGGLING. WE STAYED IN THE PROGRAM A LITTLE OVER A YEAR. SINCE WE STARTED, A SHERIFF'S DEPUTY SERVED PAPERS ON US FOUR TIMES, BEEN TO COURT TWICE, BUT THEY SAY THAT'S NORMAL. AT FIRST THEY DIDN'T. WHEN WE FIRST STARTED THEY SAID WE MAY GET TWO OR THREE MONTHS BEHIND, BUT THEY HAD EVERYTHING COVERED. WE WERE PAYING THEM $1,600 MONTHLY. NOW WE HAVE BECOME OVER A YEAR BEHIND ON MOST DEBTS. THEY ARE A RIP-OFF AND A SCAM. IF YOU DON'T MIND THE EMBARRASSMENT OF HAVING A DEPUTY SHERIFF COME TO YOUR HOUSE OR PLACE OF WORK, AND GOING TO COURT, THEN THIS PROGRAM IS FOR YOU. I'M SURE THERE ARE BETTER OPTIONS.

7 years ago

Reply from National Debt Relief

Hello Walter,

We are sorry to hear that our service did not satisfy your expectations. We set a high standard for ourselves and want every client to have a great experience. We will be reaching out shortly to better understand your concerns and hopefully resolve. You can also call us directly at 888-660-7427

Sep. 18th, 2018

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Becky Pearce Memphis, TN

I'm a senior citizen on a fixed income. I got into a bind with online payday loans. I talked to a representative with this company and it sounded great and something I could live with. This company then turn over my account to Consumer Capital Credit. They take $284.82 out of my checking account every month and have been from 6 to 9 months. I called today to get an update on the status of my accounts to see what has been paid and if any of them were paid off. I was informed that nothing has been paid on any of my accounts and nothing has been paid off. I could have paid 2 of these off myself in the time that it has taken Consumer Capital Credit. My question is where is my money going and what are you doing with it. Again, I'm on a fixed income and cannot afford to throw $284.82 away every month. I need some help please.

7 years ago

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Leah Gillespie Antioch, TN

I signed up with this company back in 2015 with a total debt of around 12k. I wish I would have shopped around and read the reviews. This company will fee you to death! On Jan 12th, 2018, I made my final 2 payments to my last 2 credit cards. Each was $725. I was thinking this was perfect! I have more than enough money in my account to cover this because I just deposited my entire bonus check in there back in December. Not to mention I was still making the regular monthly payments. ...was even thinking I would get some money back. Boy, was I wrong. With looking at my statement I noticed my account balance was at $0. How could that be? With more investigation I discovered they charged me a $740.50 fee for each transaction! So my debt payment was $725 and you charged me a fee of $740.50? On both of them?? I had a remaining debt of $1450 which I paid and now I have to pay a fee of $1481? WHAT??? So my fees to them were more than my debt payoff to the credit card company??? That didn't seem right...not at all. I called, talked to a very nice woman about this but she only had basic answers and her manager was even worse. Bless her heart, it's not her fault that she works for a POS company but I had some choice words to say about what the hell they are doing to people. So with my story being told, I would suggest that anyone who is as desperate as I was with resolving my debt, please shop around and figure out which is the best company to use. Going this route destroys your credit even more! It might even be best to try and work out a payment arrangement with your credit card companies....at least that will look somewhat good on your credit and with all the fees this company charges, you're pretty much paying your entire debt anyways.

7 years ago

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Randy Liston Orange City, IA

Chances are with the High Fee's and Lawsuits against you under this program you will not actually save any money from your current debt and may in fact end up paying more then the original amount you owed. They are Not trustworthy, they don't actively talk with all your creditors until it may be to late, critical errors that lead to lawsuits and additional legal fees which they should’ve paid but didn’t. Also encountered surprisingly rude reps a couple of times. Study contract carefully before committing. Their settlements won’t always be as high as you think; High 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 never should’ve happened.

8 years ago

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Michelle

Don't use this company!!! I've been in this program for eight months. The fees are unbelievably high with over $1500 charged. They made arrangements with one company and called me asking for additional money every month. Then I requested they not deduct a deposit from my bank for one month because I needed the money for surgery. They wanted to know what kind of surgery and how much it costs. They needed to tell the creditor so they could "approve it." I am in the process of cancelling this service. There are way too many fees and I could have paid the bills myself with the amount they charged. Stay away from this company!!! Also, the BBB gave them a NR for no rating!

8 years ago

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Crystal Honolulu, HI

Great company, however the agent I spoke with over the phone was very rushed in his delivery when going over the services this agency provides. When I asked questions, he was insensitive toward the situation and rushed over the answers, leaving me frustrated in terms of what to do. I almost felt like I was prying for information from my agent. He had good suggestions, but delivery came off as insensitive. They are a great company with great things to offer, however the agents may need to work on customer service and delivering in a slower, more patient and sensitive manner as clients who usually call are frustrated and need sensitivity toward their situations.

8 years ago

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Gary Carter New Port Richey, FL

If you are needing relief from your debt, DO NOT use this company. They tell you not to pay any of your bills but instead send your money to a specified bank and for me that was $314 each month. They tell you they will get started negotiating with your creditors right away to settle for a reduced amount. However, THEY ONLY USE YOUR MONEY to pay off the reduced amount. So figure....If I owed $5,000 on a credit card and they say they usually get the debt reduced by 50%, then they must wait until YOU have deposited at least $2500 into the account before they can do that. Lets figure...$2500 divided by $314 = 7.96. Otherwise I have to make at least 8 payments before they will start the negotiating process. That's 8 months of phone calls from the creditor. NOTE: That is for just the first credit card, and I have 5 total so it will take years to complete THEIR process. If you need help, file bankruptcy. It stops the calls quicker and your settlement will be quicker and easer OR you have the choice to just stop paying the bills and deal with the calls. If you ask them to stop calling, by law, they are suppose to quit calling...if they don't, then you can file suit against them. I have consulted two lawyers and both said just what I told you. It is your choice.

8 years ago

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Arizona Window Rock, AZ

I have been with NDR since 03/24/2015 and so far two accounts have been settled which I am not happy with. Citicard settled for 43% of the 2943. However, the 25% fee was very high of $732.75. If you do the calculation .... 2943 settled for 1265 is not very good. 1265 plus 732.75 fee = 1998 and I only benefitted a saving of 945.00. Another example recently my Discover was settled for 1240 at 73% for a balance of 1621. NDR did not do a very good job with this one. I am actually paying more than the original balance. 1240 settlement plus 403 fee is just like making a payment plan. I still have four other accounts and just imagine what the outcome would be like because, in my opinion, they do not get very good offer of settlement. This is what I have experience so far. If I do get something like 35% or less, they I will be happy. Another down side is... once you enroll, they forget about you and do not even contact you with what is going on other than rehashing what you as a client already are aware of.

9 years ago

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Carmen Rogers

To many different answers,and they are confusing

2 months ago

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Michael Tomkinson

just started coupled waiting for it to get started

2 months ago

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Kris M

Great company from what I've experienced so far

3 months ago

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Shirley Brown

Everything good so far. I can always call them

3 months ago

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Lorraine Rosado

Very knowledgeable and patient. Explains well.

3 months ago

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Shelia Hickerson

I liked that they settled and I hope more do.

3 months ago

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Joe Webb

Very professional, and courteous expression

3 months ago

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Willy Silly

They are a great help I like everything about them

3 months ago

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Nestor Ojedamoya

disliked nothing they were very clear in what they offer.

3 months ago

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Norma Reyes

Very professional and patient with clients.

3 months ago

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KareBear B

So far everything has been great, no concerns.

3 months ago

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Julie Selva

Thank you for the update on my account .

3 months ago

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Robert Donaldson

Working well with me to help my financial situation.

3 months ago

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Emma Bell

Excellent customer service. The rep was very helpful.

3 months ago

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Patricia Jones

Thank you for working hard on negotiating on my behalf

3 months ago

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Kristie Luna

I like settlement process. Pleased with results.

3 months ago

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Val Gehringer

Great communication and excellent results

3 months ago

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Melissa Taylor

I have peace of mind about my credit being taken care of.

3 months ago

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enrique Beauchamp

i like the way they work l am happy l found them

3 months ago

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Belinda J Relue

People have have been very nice and friendly

3 months ago

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Joshua Foster Fresno, CA

The customer service is really and the people make you feel like it’s ok to be in trouble monetarily. What I don’t like is the money you actually save is still counted as income so you have to claim it and end up owing on taxes I saved 13k ended up owing 4k because of the debt settlement then add the fees and all the other stuff I lost money and my credit went to crap. Don’t do it is my advice just make arrangements with your debtors

3 years ago Edited May 24, 2022

Reply from National Debt Relief

Thank you for bringing your concerns to our attention. We want every client to have an exceptional experience with us. We will investigate your concerns, and a member of our team will be contacting you directly to review. If you prefer, you can also call us at 888-660-7427.

May. 25th, 2022

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Ted Johnson Pleasant Grove, UT

National Debt Relief helped me out of the hole I was in. They took care of the calls, the negotiations, and also game me the peace of mind to know that everything was going to be ok.

6 years ago

Reply from National Debt Relief

Thanks for sharing your experience with us, Ted. Please let us know if there's anything else we can do for you.

Oct. 1st, 2019

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Fatima Buenfil

I like on how they actually help and it's very easy to work with

4 months ago

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Rosalie Davis

Very friendly and courteous. Helped accept offers and explained everything.

4 months ago

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Bill Crowell

Very happy with the experience so far. Today was a huge win.

4 months ago