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National Settlement Services specializes in debt relief for unsecured loans. The company’s website states that their clients pay an average of 42 percent of the debt they enroll; 56 percent after fees. You can receive an instant quote online by entering the amount of debt you owe or by calling the company.

While National Settlement Services is a member of the American Fair Credit Council, they are not IAPDA accredited. Additionally, the website does not mention if the company is 100 percent FTC compliant.

The Good

  • Very low fees for services
  • $5,000 minimum debt requirement
  • Great online features

Low Fees

National Settlement Services only charges a fee of 14 percent of the debt enrolled, which is one of the lowest in the industry.

Low Debt Minimum Requirement

The company requires a minimum debt requirement of $5,000 in order to enroll in a payment plan. This is a low minimum requirement compared to other debt settlement companies (which may exclude anyone with under $10k in personal debt). Another requirement the company has is that all debts you enroll must be past due.

Low Monthly Payment Plans

National Settlement Services offers 12-38 month debt elimination plans, and stands by their “no result, no payment” rule. There is a low monthly set-aside payment.

However, potential clients should be aware of how the company’s website explains that those who make monthly payments on their program “are expected to pay approximately 42 percent of their balance prior to fees, or 56 percent including fees over a period of 12-48 months.”

Iron Clad Guarantee

While the company does not have a money back guarantee listed on their website, they do offer an “Iron Clad Guarantee.” This guarantee promises not to charge you any money until after National Settlement Services has delivered debt relief results.

Convenient Online Features

Customers can get a free instant quote online to see how much money they owe. If one does choose to enroll, they can access their personal account and details through an online portal. Not only that, but the company offers an online live chat option for additional questions.

The Bad

  • Lacks some accreditations
  • State availability

No IAPDA Accreditation

While National Settlement Services is accredited with the AFCC, it is not accredited with the IAPDA, which is another major settlement organization.

No State Information Listed

The company’s website does not provide any information on which states it offers debt settlement services to. When we called a National Settlement Services phone representative, they would not disclose a list of the states they do business in.

Compare to the top rated debt settlement companies

The Bottom Line

National Settlement Services offers settlement payment plans to customers with $5,000 or more in debt. The company offers a free instant online quote, and a few convenient website features, including: the online portal feature and a live chat option.

However, the cons outweigh the pros. We do not recommend going with this company for debt settlement. With the lack of transparency, it is best to look elsewhere.

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Frequently Asked Questions

How Much Does National Settlement Services Cost?

14 percent of the total debt you settle for, on top of paying for your settlements.

Can I Get a Free Consultation?

A free consultation is available to anyone who is interested in learning more about their services and what kind of program they can personally expect. Interested parties can either call in for a free consultation or sign up for a call back by filling out a form on the website. You may want to be prepared with your financial information (collection notices, bills, total amount of debt, names of creditors, etc.) before your consultation and prepare any questions you might have regarding the process ahead of time.

What Types of Debt Does National Settlement Services Work With?

National Settlement Solutions is only able to help negotiate on past due loans that are unsecured in nature. Secured loans are those such as mortgages, student loans, payments with the IRS, and car loans.

What Is the Minimum Debt Amount I Can Sign Up With?

The minimum amount of debt that they accept is $5,000 to get started.

More Information

About National Settlement Services

National Settlement Services is a debt solutions company that specializes in debt settlement. The company charges no fees to consult, sign up, or work with them initially. As with all settlement companies, no fees are due until you see results. On average, their program lasts 12-28 months and clients pay approximately 42 percent of the debt they enroll in addition to the company’s fees.


Charges 14 percent of the debt you settle

Account Set-Up

  • Free consultation: Yes
  • Personal consultant during the settlement: No


  • AFCC accredited: Yes
  • IAPDA accredited: No

Time in Business


Minimum Debt Requirement


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