National Debt Relief Review

Rating: 9.9 / 10 (Excellent)
12 Customer 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.

How is National Debt Relief rated?


Pricing & Fees

Overall Rating: 9.9 / 10 (Excellent)

National Debt Relief is a provider of debt settlement programs that have helped thousands of families get out from under the burden of excessive debt. To date the company has settled over $1 billion and can work with clients who have anywhere between $7,500 and $100,000 in unsecured debt. Though National Debt Relief has a great reputation among its clients, it must be noted that debt settlement is not right for everyone, and it is a credit to the company that they are 100% transparent about what clients can expect and the risks involved. When you enter into a debt settlement program you essentially stop paying your creditors until the debt settlement agency can negotiate with them for a lower overall balance. This means your credit score will most likely be negatively affected. Also, some creditors will not agree to negotiate. In light of this, debt settlement with National Debt Relief is an ideal option for those who already have bad credit, or those who are willing to take a short term credit hit in order to get out from under the load of massive debt quickly. It is a less drastic and more attractive option to bankruptcy.

National Debt Relief Services

Services - 9.5 / 10

National Debt Relief offers higher than average savings on debt when compared to most debt settlement companies, up to 30% after fees. The program lasts anywhere from 24-48 months. As mentioned above, customers stop paying creditors and start paying monthly payments into a third party bank account which are lower then the current monthly payments to creditors. When there are sufficient funds in the account, and creditors agree to National Debt Relief's offer, the company will begin making monthly or lump sum payments to the creditor. Fees are not charged until the individual debt is fully resolved.
Services Offered
Debt Settlement
Professional Consultation
Estimated Debt Reduction
Program Length
24-48 months


Qualification - 10 / 10

The biggest qualification with National Debt Relief is the ability to make monthly payments into the 3rd party settlement fund. In many cases, this amount will be lower than the current payments to creditors. Customers must owe more than $7,500 and be sufficiently behind in payments as to incentivize creditors to negotiate, usually several months. Finally, customers must be going through a financial crisis with no quick end in sight. This could be due to a recent job loss or reduction in hours, a separation or divorce which caused a reduction in income, death of a spouse, unexpected medical or hospital bills, student loans, or IRS taxes to name a few. This is so National Debt Relief can prove financial hardship and show creditors you qualify for debt settlement.
Minimum Debt Amount
Debt Solutions For
Personal Loans
Medical Bills
Business Debt
Credit Cards
Collections & Repossessions
Student Debt
Excluded Debts: Lawsuits, IRS Debt and Back Taxes, Utility Bills, Auto Loans, Government Loans, Mortgage or Home Loans, Other Secured Debts

Pricing: How much does National Debt Relief cost?

Pricing & Fees - 10 / 10

In accordance with the Federal Trade Commission, National Debt Relief does not charge any up front fees. Service fees vary by state and the amount of your debt, but usually hover around 18-25%, which is more or less standard among debt consolidation companies. There also may be fees related to the payment bank account, these can include setup and monthly fees. All fees, however, are not collected until individual debts are settled.
Up-front Fees?


Reputation - 10 / 10

As debt settlement companies go, you can't get much better a reputation than National Debt Relief. The company has an A+ grade with the BBB and over 80% positive reviews. Considering the debt relief landscape, this is an unusually positive reaction. Additionally, National Debt Relief's excellent 9.4 score with Trustpilot reflects an incredible 95% positive reviews out of over 3,000. To round it all out, NDR has the distinction of being one of the few companies in the debt relief industry to boast a triple accreditation from the IAPDA, AFCC, and FTC.

Company Details

Year Founded
Number of Clients Served
Amount of Debt Settled

Compliance & Accreditations

AFCC Membership
Accredited Member
IAPDA Accredited
FTC Compliant

Online Reviews

Trust Pilot Rating
9.4 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Contact & Additional Information

Homepage URL
Headquarters Address
11 Broadway 16th Floor, New York, NY, 10004

Top Rated
Our Partner
9.9 / 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

Latest National Debt Relief Reviews

Slim C
Dallas, Texas

We offer loan facility to both individuals and companies who needs loan to finance their business ideals, to pay off their bills, expand their existing business, consolidate debts, to finance good projects e.t.c at interest rate of 3%. We also guide and render financial advice to our clients. Kindly contact us today for all your financial needs, so that we can discuss, sign agreement and then finance your project or business for you. E-mail: ( or you can text on this number +19725345446

Jessica C
Poplar Bluff, Missouri

Very helpful gives great advice.Help but all ut debts on one bill .

Dory g

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
Kaufman, 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!

Joseph s
Houston, Texas

National Debt Relief helped me very much. I had alot of debt an they help solved it quickly . I would recommend this company because they friendly and. Professional