National Debt Relief Review

Rating: 9.9 / 10 (Excellent)
12 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.

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

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12 Customer Comments & Reviews

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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

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