National Debt Relief

National Debt Relief

 4.8/5 (937 reviews)
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National Debt Relief

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Overall Rating4.8 out of 5
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About National Debt Relief

National Debt Relief is one of the largest debt relief companies in the nation. Its goal is to help clients re-establish financial stability and peace of mind in the least amount of time possible. National Debt Relief debt coaches work hard to provide experience and proven results through education and individual customer care.

    Pros & Cons


    • Free consultation with debt coach
    • Free debt relief quote
    • Numerous accreditations


    • Will need to pay percentage of debt settled

    Bottom Line

    National Debt Relief works best for those with a minimum of $10,000 in unsecured debt. Although you will need to pay a portion based on the debt settled, National Debt Relief can help consumers escape the cycle of debt and become financially independent.

    Top National Debt Relief Reviews

    Rated with 5 stars

    They were very helpful. I feel better about my future. Can't wait to be debt free. I have a program I can keep. Without this help I could not get out of debt and I was scared. The...

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    Rated with 5 stars

    All members of the staff that assisted me with getting the process started and finalizing enrollment were very helpful and knowledgeable … Thank you National Debt Relief for helpi...

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    What is National Debt Relief?

    National Debt Relief is one of the largest debt settlement companies in the United States. National Debt Relief provides consumers freedom from financial debt by offering debt reduction services, as well as financial consultations. It has successfully negotiated settlements for thousands of collection amounts. National Debt Relief has helped over 500,000 clients resolve over $10 billion in debt, and most cases settle within 24 to 48 months.

    National Debt Relief is accredited by the Better Business Bureau and has an A-plus rating at the time of publishing. It also has accreditations from the International Association of Professional Debt Arbitrators (IAPDA) for all of its debt arbitrators and membership with the American Fair Credit Council (AFCC). Located in New York, National Debt Relief offers nationwide service.

    How does National Debt Relief work?

    To qualify for National Debt relief, you must: 

    • Be able to make a monthly payment into a settlement fund
    • Owe more than $10,000 in unsecured debt
    • Be several months behind on payments
    • Be going through a financial crisis with no quick end in sight (such as recent job loss, reduction in hours, separation or divorce, death of a spouse, unexpected hospital or medical bills, student loans, IRS takes, etc.)

    National Debt Relief works with your creditors to try and agree on a settlement for your debts with lower payments. Although successful with numerous debt settlements, each situation of debt is unique. Therefore, National Debt Relief is unable to guarantee identical or similar results for every client. Also, they cannot guarantee creditors will agree to a settlement.

    You can call or fill out a short online questionnaire to get started with National Debt Relief.

    National Debt Relief services

    National Debt Relief provides a variety of debt and financial services, including:

    • Debt settlement assistance
      This remains one of the best options to get rid of debt. While debt settlement assistance works for some people, getting a debt settlement workable and approved can be a complicated process. National Debt Relief’s debt coaches have worked with over 20,000 creditors, establishing relationships to work out settlements for clients.
    • Free budget planner worksheets
      To get on top of debt, you must have a handle on all of your income and expenses. National Debt Relief makes this step a lot easier by providing a free budget planner worksheet. You can easily download this worksheet and plug in all avenues of income as well as areas of expense.
    • Free debt calculator
      One of the best ways to overcome debt is to develop a plan of action. Utilizing a debt calculator will help you do exactly that.
    • Consultations (including a free initial consultation)
      The debt coaches at National Debt Relief understand finances, debt and accounting. They can offer counseling and guidance, as well as help with your budget plan.

    National Debt Relief FAQ

    How much does National Debt Relief cost?

    National Debt Relief does not have any upfront fees or cost to sign up. Additionally, initial debt consultations are free. Once debts are settled, you can expect to pay 15% to 25% of your enrolled debt as part of a monthly payment. You don’t pay until you get your debt settled, and if National Debt Relief can’t settle your accounts, you don’t pay.

    How does National Debt Relief affect your credit?

    If you miss payments to creditors as part of a debt settlement program, it can have a negative impact on your credit score. However, settling your debt is often a better option than filing for bankruptcy. National Debt Relief does not provide credit repair services or offer advice on ways to improve your credit; these are separately regulated services.

    Does National Debt Relief work?

    We recommend National Debt Relief, given its impressive collection of proven success and many top accreditations. It also has a nearly 5-star rating on ConsumerAffairs, with over 50,000 reviews recorded. National Debt Relief also offers a good supply of free services and valuable information on its website to help clients understand debt settlement.

    National Debt Relief Reviews

    Over 50k reviews since 2016
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    3 featured reviews
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    Page 1 Reviews 0 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 17, 2023

    I was overwhelmed and completely drained from the collection of debt in my life due to what happened to my business from theCovid-19 pandemic. I connected with another debt relief company before finding National Debt Relief which was not at all open and honest about their program. I found National Debt Relief just in time as I signed a contract with the other company Alleviate. I was still in my "cooling off period" so I could cancel that contract. I connected with Seungho (John) **. He was so amazing. In a telephone call he created a program for me, gave me hope and I was beginning my journey to financial freedom. He explained everything in great detail how the program works, He answered every question, was patient & encouraged me. That phone call changed my life.

    I will begin my program on 5/31/23. I can't begin to explain the burden off of my life with just enrollment. I believe in this program. Seungho was so professional and compassionate. There is nothing "hidden" and all of my debt was accepted into the program. I have a few miles to walk down this road, but feeling confident in my future. Now my attention can be focused on rebuilding my business and being in service to people. I highly recommend Seungho ** and National Debt Relief Program. It is a way back and a way to be accountable to your creditors and yourself.

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      Rated with 4 stars
      Verified Reviewer Verified Buyer
      Original review: May 3, 2023

      While Ruben was an absolute gentleman, I had to try too hard to respond to things he'd say or ask. He was tied to a prepared script in his mind and was not easily pried from his canned speech. I felt pressured to commit to things I was not comfortable with and that I wanted more information on, or wanted to get other opinions about. He was focused on nailing me down as a client and it was difficult to get him to allow other thoughts, questions, or ideas to be explored.

      Once he realized I was becoming frustrated with his monologue, and demanded a two-way conversation, he did attempt to soften his approach and allowed me to respond with some questions, and opinions of my own, while still maintaining his focus on pinning down a decision with which he had a vested interest. When I agreed to a call-back appointment, he was gracious and realized I would not move so swiftly into his decision for me, it was better.

      On our second interaction he still had his focus on "landing the sale," but the intensity was less evident, and I felt more comfortable in speaking with him. So far, I'm thinking this is a smart move on my part. I do understand it is up to me to inform my creditors of this change. I am awaiting the telephone number that I can refer them to with their questions and concerns before informing them of the change in our relationship. I hope that will be provided soon so I can proceed with my responsibilities in making this a successful relationship for National Debt Relief, my creditors and me.

      3 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Oct. 26, 2022

      I was in a deep hole, being over $13,000 in debt with only my social security disability money to live off of. Need to pay rent too. Then I stumbled upon National Debt Relief, called in, and was greeted by Terra. She was very professional and nice over the phone. First she did a soft credit check to pull up my debts. I unfortunately wasn't qualified for a 3rd party debt consolidation loan. But no matter! Terra said that National Debt Relief would help me directly. She was then very clear about what documents she required from me. I sent them over and then we scheduled another phone conversation to go over the terms with me. She answered all of my questions thoroughly and was very pleasant. She's a cool person and funny too! We both talked about our love for food.

      Anyway, the terms took a while and she had to stop to drink water (poor Terra!) but she powered through the document and soon enough had me sign it. I then got copies of the signed PDFs. I thanked her thoroughly because people like her make National Debt Relief such a great program. In the end I was able to cut my $13,000+ debt down to $250 per month. It's very stressful living with such debt but now I'm back on track thanks to Terra. She has a great job and that is to help those in need like myself. Thank you Terra! :D

      National Debt Relief response

      Thank you for such a great review! We work hard to offer the best possible experience for every client, so we’ll make sure that Terra gets the recognition she deserves.

      8 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Sept. 28, 2022

      NDR contacted me: so have numerous others. Your representative, Marrissa immediately stood out among all the others. It was clear that she wasn’t simply trying to sell me another program. Her approach was to first understand my situation and then through a two-way dialog help me understand my own information. I am a MBA graduate yet her time value presentation helped me to see beyond the current situation and understand how a properly designed and managed approach could yield much better results that a brute force approach to the same data. Because of my background and her skilled ability to draw together the pieces of a complete plan, I followed her dissertation easily.

      Through a couple of sessions she showed how we. Could link all of the moving pieces and leverage effort and information to make time work to our advantage and produce results much more quickly and completely than I had imagined. Marrissa should quickly obtain an academic position and seek a position as a professor in business and finance. She outshined most of the professors I had in that area in graduate school. Knowledgeable; able to make complex concepts understandable; skilled at linking related concepts to illuminate a combined approach to a problem with multiple moving parts: she is comfortable with her subject. Was able to make it bloom for me.

      4 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: Aug. 27, 2022

      Ava ** explained everything to me. I kept asking her so many questions thought she would get mad or upset like people usually do but Not Ava she listened to every question and answered them. She was very caring, professional and understanding of my situation and so much more. I have Never felt like I mattered when talking to someone but I mattered to Ava and your company National Debt Relief. I was so upset that I had to stop paying on my loans and credit cards because I have always had an outstanding payment history but Ava explained the process where you all would be reaching out to each of my debtors and paying them off with my monthly payments I pay to you so I felt a little better after she explained it to me.

      She told me my credit scores would drop but that they would go back up once you all pay them off. I just can’t say enough about Ava and her Wonderful, Exceptional customer service. She is truly an asset to your company. Thank you for everything Ava and thank you National Debt Relief for helping me get out of debt and back on the right path to success.

      National Debt Relief response

      Thank you for such a great review! We work hard to offer the best possible experience for every client, so we’ll make sure that Ava gets the recognition she deserves.

      4 people found this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 24, 2023

      Answered all my questions! Very plight and professional! Absolutely no regrets doing this! Saving us money and aggravation dealing with the creditorter would recommend to friends and strangers as well! I really believe this will help us in the long run saving money and our credit scores! Thank you Daniel and the nice lady who helped as well sorry I forgot her name! God bless you all.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 24, 2023

      When I was most desperate, you extended a helping hand. Thank you very much for your help. I will continue to deposit money in the account and actively cooperate with your work. I hope to solve the debt as soon as possible and restore my credit.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 24, 2023

      We found your company among a few others while looking for a debt consolidation loan. We received a phone call back from Zach and he provided us the information we were looking for and answered all of our questions. He made the process simple and relatively painless. I can’t explain the relief I felt after signing up and beginning the process.

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 23, 2023

      He was VERY attentive looking at my entire picture, assuring me I wasn’t beyond help but most importantly patient with me to ensure I could be helped and on my way to becoming debt free. I look forward to working as a team so I can cross the finish line. Thank you so much!!!

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: May 23, 2023

      Kelvin ** was very thorough and patient. He covered everything I needed to know before I even had any questions! He stayed on the phone with me for as long as it took and even hung around until he got me all set up!

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      National Debt Relief Company Information

      Social media:
      Company Name:
      National Debt Relief
      Company Type:
      Year Founded:
      180 Maiden Lane, 30th Floor
      New York
      Postal Code:
      United States