Compare Freedom Debt Relief vs. National Debt Relief Debt Consolidation

What’s the difference between Freedom Debt Relief and National Debt Relief? See how our editors compare the two companies below.
Last Updated: January 10, 2018
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Freedom Debt Relief
9.7 / 10 - Excellent
#2 in Debt Consolidation
National Debt Relief
9.9 / 10 - Excellent
#1 in Debt Consolidation
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Key Facts

  • Free, personalized evaluation from certified debt specialists
  • Rated A+ by Better Business Bureau
  • $7 billion in debts settled
  • Resolve debt in 24 to 48 months
  • American Fair Credit Council accredited
  • For people with $15,000 in unsecured debts and up
  • Get a free savings estimate
  • No upfront fees
  • ConsumersAdvocate.org Notice: Freedom Debt Relief was recently the target of a Consumer Financial Protection Bureau lawsuit regarding FDR’s disclosure of certain terms. Please click here for more information.
  • 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

ConsumersAdvocate.org Notice: Freedom Debt Relief was recently the target of a Consumer Financial Protection Bureau lawsuit regarding FDR’s disclosure of certain terms. Please scroll down to the bottom of the review for more information.

OVERALL RATINGS

 Freedom Debt ReliefNational Debt Relief
Reputation10/1010/10
Qualification10/1010/10
Pricing & Fees10/1010/10
Services9/1010/10

Services Compared

 Freedom Debt ReliefNational Debt Relief
Services Offered
Debt Settlement
Professional Consultation
Debt Settlement
Professional Consultation
Estimated Debt Reduction
15-35%
30%
Program Length
24-48 months
24-48 months
Additional Benefits
Online Management

Qualification Differences

 Freedom Debt ReliefNational Debt Relief
Minimum Debt Amount
$7,500
$7,500
Debt Solutions For
Medical Bills
Unsecured Loans
Credit Cards
Personal Loans
Medical Bills
Business Debt
Credit Cards
Collections & Repossessions
Student Debt
Excluded Debts: No collateral-based loans (auto loans and mortgages) and no federal student loans.
Excluded Debts: Lawsuits, IRS Debt and Back Taxes, Utility Bills, Auto Loans, Government Loans, Mortgage or Home Loans, Other Secured Debts

Pricing Comparison

 Freedom Debt ReliefNational Debt Relief
Up-front Fees?
No
No

Sample Program

 Freedom Debt ReliefNational Debt Relief
Estimated Savings
$69,550
Estimated Program Length
46 months
Estimated Monthly Payment
$387
* The estimates above were obtained directly from the Freedom Debt Relief online quote tool. Estimates are for an individual living in California with $25,000 in debt. The estimated fees for the above sample program were quoted as: "No upfront fees"

Reputation

Company Details

 Freedom Debt ReliefNational Debt Relief
Year Founded
2002
2009
Number of Clients Served
400,000
100,000
Amount of Debt Settled
$7,000,000,000
$100,000,000

Compliance & Accreditations

 Freedom Debt ReliefNational Debt Relief
AFCC Membership
Accredited Member
Accredited Member
IAPDA Accredited
Yes
Yes
FTC Compliant
Yes
Yes

Online Reviews

 Freedom Debt ReliefNational Debt Relief
Trust Pilot Rating
9.1 out of 10
9.4 out of 10
BBB Rating
A+
A+
Number of BBB Positive Reviews
447
158
Number of BBB Neutral Reviews
17
2
Number of BBB Negative Reviews
81
24

Contact & Additional Information

 Freedom Debt ReliefNational Debt Relief
Homepage URL
Headquarters Address
1875 S Grant St., San Mateo, CA, 94402
11 Broadway 16th Floor, New York, NY, 10004
The CFPB Enforcement Action

The Consumer Financial Protection Bureau (CFPB) recently filed a lawsuit claiming that FDR failed to disclose that certain creditors will not negotiate with debt settlement companies. FDR strongly disagrees with this claim. FDR has developed strategies to negotiate settlements with debts from all creditors. In fact, since 2010, FDR settled $1.2 billion in debt (nearly 200,000 accounts) for clients with accounts from the credit card issuers listed in the complaint. ConsumersAdvocate.org cannot judge the merits of the CFPB’s enforcement action against FDR at this time. But the claims—even if true—are limited to whether FDR adequately disclosed its ability to negotiate with certain creditors. ConsumersAdvocate.org is not aware of any claims that FDR has unlawfully charged consumers or otherwise failed to provide services to its customers. You can find more information about the lawsuit at the CFPB’s site here: https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-freedom-debt-relief-misleading-consumers-about-its-debt-settlement-services/

Final Verdict

National Debt Relief has a higher overall rating than Freedom Debt Relief. National Debt Relief scores better than Freedom Debt Relief across: Reputation, and Services. Both companies score similarly on Qualification, and Pricing & Fees.


Customer Comments & Reviews

Jessica C
Poplar Bluff, Missouri
7/28/2017
National Debt Relief review
Very helpful gives great advice.Help but all ut debts on one bill .


D
Dory g
Silverdale, Washington
7/13/2017
National Debt Relief review
Ii really loved it and .It was very helpfull. Full of helpfull information


B
bill
Greenville, North Carolina
7/12/2017
Freedom Debt Relief review
excellent experience and program will allow to make extra fund payments to quickly pay off credit card debts


T
Trixy B
Mabank, Texas
9/23/2016
National Debt Relief review
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!


J
Joseph s
San Antonio, Texas
9/21/2016
National Debt Relief review
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