National Debt Relief Review

Rating: 9.8 / 10 (Excellent)
11 Customer Comments & Reviews - see all comments
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National Debt Relief specializes in helping people searching for debt consolidation and debt relief services. The company provides a variety of time tested debt-reduction solutions that allow clients to lower their overall debt and avoid bankruptcy. National Debt Relief currently offers debt negotiation programs for clients with $7,500 and up in unsecured debts. This includes debts from credit cards, medical bills, collections and business debts.

Debt reduction in 24 to 48 months, No Upfront Fees and Obligations

Years in Operation

Started in 2009

Program Length

24 to 48 Months


National Debt Relief is accredited by the BBB and gets an A+ rating. All of the company’s debt arbitrators are certified by the IAPDA. It is an accredited member of the American Fair Credit Council and is fully compliant with best industry standards.

A+ BBB Rating



FDIC Insure Trust Account


FTC Compliant

Debt Qualification

$7,500 and up

*Fees are included in one low monthly payment program.

*National Debt Relief offers its services to clients with a minimum debt of $7,500 which is lower compared to similar providers. This means that more people are able to qualify for their program and able to enjoy the services of a debt relief and settlement program.

National Debt Relief Costs

National Debt Relief does not charge upfront fees. This s in compliance with FTC regulations with regards to debt settlement programs. Payments or fees are only charged once settlements are made. Fees are based on the client’s amount of debt.

Upfront Fees

Consultation Fees

Fees and Charges

Fees vary by state and amount of debt. But National Debt Relief only charges you for debt resolved. There are no monthly fees and debt consultations are free.

Services Offered

Professional Consultation

Debt Reduction of:

  • Unsecured Loans
  • Personal Loans
  • Credit Cards
  • Medical Bills
  • Collections and Repossessions
  • Business Debts
  • Certain Student Debts

Client Support

Information about debt relief and settlement and self-help is readily available on the site. A budget planner and debt calculator gives you a convenient way to keep on top of your debt situation. Free consultation and one-on-one evaluation with an accredited debt settlement expert is offered free of charge.



Client Portal

Toll Free: 800-300-9550

  • 9:00am – 10pm EST – Monday through Thursday
  • 9:00AM – 8:00PM EST – Fridays

Clients Services

Debt Consolidation and Settlement at National Debt Relief

The best thing about working with National Debt Relief is you don’t pay for any services unless they are able to lower you debt. The company offers debt reduction services for a variety of unsecured loans including business and student loans. With its debt payments more manageable with its debt relief solutions, National Debt Relief comes highly recommended and is our top choice for the Best Debt Consolidation and Settlement list.

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11 Customer Comments & Reviews

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Jessica C
Poplar Bluff, Missouri
Very helpful gives great advice.Help but all ut debts on one bill .

Dory g
Silverdale, Washington
Ii really loved it and .It was very helpfull. Full of helpfull information

Victor R
Saint Clair, Michigan
Went with National Debt Relief. One of my creditors Capital One decided to take me to court and sue me for $8880. Balance at my last payment was $7911. I borrowed $3500 and deposited it in my bank account at National Debt Relief hoping they could reach an agreement and avoid court. I was due in court on Monday. The Friday before court they notified me they had a verbal agreement with Capital One. I was required to take the agreement to court on Monday and have the Capital One Lawyer agree to it and the Judge to sign off and dismiss the case. The agreement was sighed by all parties. National Debt still charged me the full amount of there fees 22%. The agreement was for 70 Cents on the... Read More

Shelley S
Des Moines, Iowa
The people that work here are very rude and misinformed. When i tried to correct their information, i was hung up on. No sorry, or goodbye, nothing. Just CLICK.

Seattle, Washington
I initially considered using this program and the first couple of conversations went well. However, after I received a contract offer, I was not comfortable with the system. I was not behind on my payments and did not want to stop my payments for 4-6 months so that National Debt could then step in and negotiate settlements. I did not want my credit score to drop drastically after I worked hard to restore it, nor did I want to declare being insolvent. I instead had secured a loan this past week at a great rate that will have my debt paid off in the same 3 year period as this company's, yet keep and improve my good credit score. I know that many people would not qualify for such a loan and... Read More

Ridgeland, Mississippi
This company is horribly deceptive. Here's what happens: They tell you stop paying your credit cards, and after a few months the creditors will get desperate and begin to negotiate with them. Well, you get hounded by all the creditors threatening lawsuits on you, while your credit score bottoms out. On top of this, national debt calls and says, we can settle this account for 75% of you your balance instead of their claimed 50%, but the catch is national debt charges a 23% fee. So, your total debt reduction is 2% - 3%. I told them this is BS, but they said if I didn't go ahead with this settlement I might get sued. I said doesn't national debt take care of that for you? They nope... Read More

M. F
Trenton, New Jersey
After my husband lost his job and had to go back to school, our finances became a terrible mess. I was so stressed since he also had 3 eye surgeries and I had to pay for almost everything with 2 kids, with one being special needs. I called NDR and he said not to worry and he can help. Michael VZ. was kind, professional and alleviated my stress in one or two or three phone calls. I had close to 100,000 dollars in debt and two of the credit cards are settled after 5 months. I still have a few more to go, but thank God I found NDR. Yes, I was scared, and skeptical, but they do help you in more ways than one. I am hopeful that the other cards will be resolved.

Greensburg, Pennsylvania
National Debt Relief has been an answer to prayer. We were drowning in debt. The stress was so overwhelming! I felt relief the very first time I spoke with them. Every time I call, I get to speak to a real person without having to wait for a long time. They are always helpful and friendly. I am so grateful! It has only been a few months and my debt is already depleting. Thank you National Debt Relief!

Mary P
Boise, Idaho
National Debt Relief has successfully negotiated 2 of my debts. The first they negotiated a significantly reduced total, thus significantly reduced the length of time to pay off. The second one, again NDR negotiated at a significantly reduced total due, low enough that they paid it off in one payment. I am extremely satisfied and happy with what NDR had done for me so far and are continuing to do. Mary Parker

Trixy B
Mabank, Texas
This company is the "Real Deal" for debt relief. We have only been with this program less than 6 months and our largest debt has been resolved. NDR customer service has always been friendly and easily answers any and all questions. If you for some reason decide not to follow through with them you can cancel at any time. You have nothing to loose for giving NDR a try. You won't regret it!

Top Rated
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9.8 / 10
  • Chosen by Almost 90% of ConsumersAdvocate Visitors
  • Our #1 Choice: 100% Satisfaction Money Back Guarantee
  • No upfront fees
  • One-on-one evaluation with a debt counseling expert
  • Reduces your debt in 24 to 48 months
  • For people with $7,500 in unsecured debts and up
  • Rated A+ by Better Business Bureau
  • Free consultation, 100% Confidential