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National Debt Relief

National Debt Relief
Call toll free
(888) 215-2725
Get a Free Quote
Overall Satisfaction Rating 4.86/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 10,258 ratings submitted in the last year
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National Debt Relief is one of the largest debt settlement companies in the nation. Our goal is to help clients re-establish financial stability and peace of mind in the least amount of time possible. We will work hard to provide experience and proven results through education and individual customer care.

We want individuals to achieve freedom from financial debt by receiving debt reduction services and financial consultations so that they will continue to live debt-free. Call today to learn more!

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National Debt Relief works best for those with a minimum debt of $10,000. 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.


  • No-charge initial consultation
  • Free debt relief quote
  • Numerous accreditations


  • Will need to pay percentage of debt settled

Top National Debt Relief Reviews

Rated with 5 stars
Verified Reviewer Verified Buyer

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. They made a payment plan I could afford.

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 helping me with these tough and nerve-wracking times.

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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. They have successfully negotiated settlements for thousands of collection amounts. Most cases settle within 24-48 months.

National Debt Relief is a BBB Accredited Business. They also have IAPDA (International Association of Professional Debt Arbitrators) accreditations for all of their Debt Arbitrators and an AFCC (American Fair Credit Council) membership. 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
  • Be several months behind on payments
  • 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 National Debt Relief today for a free consultation or click “Visit Website.”

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. Having negotiated settlements for thousands of creditors and collection accounts, National Debt Relief has established themselves as experts in the field.
  • 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 experts at National Debt Relief understand finances, debt and accounting. Get counseling and guidance, help with your budget plan, and settle your debts with personal, invested National Debt Relief consultations.

National Debt Relief FAQ

How much does National Debt Relief cost?
You can expect National Debt Relief to charge 18-25% of your enrolled debt. National Debt Relief does not have any upfront fees or cost to sign up. Additionally, initial debt consultations are free. Any National Debt Relief fees that will be billed is entirely performance-based. You don’t pay until you get your debt settled, and payments depend on how substantial a settlement you are awarded.
How does National Debt Relief affect your credit?
If you decide to enter a debt settlement program, your credit score may be adversely affected. However, it is often a better option than filing for bankruptcy.

Does National Debt Relief work?

We recommend National Debt Relief given their impressive collection of proven success and many top accreditations. They also have a nearly 5-star rating on ConsumerAffairs with over 36,000 reviews recorded. National Debt Relief also offers a good supply of free services and valuable information on their website to help clients understand debt settlement. Enrolling in a National Debt Relief program offers consumers a chance at escaping debt, and for that reason we recommend them.

National Debt Relief Reviews

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 12, 2019

My experience with National Debt Relief was 80% positive. They’ve been great. There were a couple of things I wasn’t aware of that caused a bit of a problem. We settled on a monthly amount. They said that that would work throughout my course of them paying off my bills. Then a couple of months later, they got a call and they said they settled with another company, and that they needed more a month. I had told them that the amount I had agreed to was making it difficult for me, but I would do it as long as I didn’t get any surprises. So, that was a surprise but it was a little under $100 so I agreed to it. Then a couple of months later, they said, “We’ve settled another debt and we need X amount more.” And I said, “I can’t pay you more.” They said, “We can’t work with this company. We’ll have to wait to work with them until you can afford to give us that mount of money.”

But then they called again and said that there was a third one and if I could I give them a bit more. I did agree to that. So now, I make three payments to them and not the original payment. That is something I wish would’ve been a bit more clear. I had 10 debts and right now, I’m paying on 5 and they’re negotiating with the next 5. However, they were negotiating with them before I had funds available to give them, and that has caused a hardship, but I’m doing it. If they’re gonna agree to take $300 a month, they need to work with those that fit in to that $300. So, I didn’t understand that. I also don’t know what’s gonna happen to my credit after this whole thing’s over, which I’m sure it’s gonna be bad. But considering the alternative, I wasn’t able to make my payments. So, that part was good.

Their program was straightforward and the negotiator was very accommodating. I just got a little lazy on my end because I was so stressed out by this whole thing. I should have read more and probably looked a bit more up online, but the bottom line is I needed to do something. This was the best resolution and they explained things very well to me. They were very nice people. They seem sympathetic, but I realized they were also salespeople in a sense because they wanted you to sign up with their program, not someone else’s. But they made me feel very comfortable about it. I did have several questions and they answered them matter-of-factly so that I understood what was going to happen. They were very friendly and I didn’t feel like I was doing something bad because they have a business to sell.

Now, I had a couple of emergencies with my dogs and I had to beg, borrow, and steal with my vet to make payments to him. I had a CareCredit card as one of the cards that I had that NDR now control over. I cannot use any charge accounts at all or apply for any, or at least that was the impression I got. I was afraid I was gonna have to put one of my dogs down because I wasn’t able to pay for it, but I did work things out with my vet.

Also, it gets over 100 degrees during the summer here on a daily basis. I’m a senior citizen and my air conditioner broke about one month into summer. And then we have very hot weather for several months. I did without an air conditioner this summer because I didn’t have the money to pay to have that done. I still don’t have an air conditioner and I don’t know of next summer, but it was miserable. I understand this is only for three years, but I figure I can do anything for three years. At any rate, suffered some from that, I got sick and I pay for a bit less groceries each month too, but I did it. And I’m learning how to become debt-free and not live on cards.

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7 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 14, 2019

    I had just moved out to Virginia on military orders. And I had a lot of debt that was piled up, and I was getting sunk under. I wasn't really gaining a foothold on my actual debt amount with the payments I was making. So, I wasn't really getting anywhere. I was just like give and take. And then, I heard about National Debt Relief through the radio. I gave them a call and talked to a lady for 45 minutes on the phone. She was very informative and explained to me the whole process and how it works. I decided to do it because I knew that I wouldn't have a chance to use my credit cards anymore because the program closes all your accounts. So, when you do this, it helps. And then, it consolidates it into one payment. So, I'm not trying to pay four different payments each month. It's one main payment or split in two if I want to. So, it's made it easier to manage.

    The information that National Debt Relief put out there was very clear and concise. I truly understood what was gonna be going on and what was gonna be happening with my debt and how it works. It made an easier decision for me to choose them compared to some of the other ones I have looked into. With NDR, I got a very quick response from the request I put in about more information.

    The enrollment process was very simple. It was just providing a lot of the information and giving them clearance to look up the debt that I have. It's so easy to sign up and understand what was going on and how they broke everything down for me. The program is easy to use and I like the flexibility. Right now, as far as my debt being cleared of my name, up to 80% of my debt has been cleared. I'm in the process of just finishing some stuff up and making some last payments. I still owe NDR money, but as far as creditor-wise and my name, those big loans in the credit cards that I had out there don't exist anymore.

    My negotiator has been really good as far as breaking a lot of my deals down. I'm still waiting on two to be confirmed, but it took a little bit longer of a process because that credit card company wanted an actual hard copy with my signature on the thing that I agreed that NDR would handle my debt that I owed to. My negotiator stayed on top of everything and always kept me informed. It was tough at first because apparently, my number wasn't saved on file, and I wasn't receiving the emails. But it took me to call in, which I wasn't mad about. It was a simple misunderstanding. She said that she was really glad I called because we stayed on the phone for 25 minutes taking care of everything and updating everything to make sure that all the stuff went through and got cleared out and got taken care of.

    I recently came into more hardships as far as needing car repairs, and then my wife hasn't been working that much. And NDR is very flexible with me, either pushing payments or consolidating payments on one day compared to having them split up, that way I can have a little bit extra money that I need in the beginning of the month and then pay it off in the end of the month. I've told a few people about this program and how it's worked for me and helped me with clearing my debt little by little. Working with National Debt Relief allows me to get back on track with some other bills.

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    21 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 5, 2019

    I fell behind on quite a few of my creditors and in finding a way to try to keep a good standing with my creditors, I opted to go with National Debt Relief to help me try to at least pay off my credit. The program is straightforward and easy to understand. Basically, you open up a little savings account and from that savings account, they withdraw. There are people that represent you when they come down to your creditors when the collector is calling and they make that very easy to do. They receive all the phone calls and take over everything that has to be said in a professional manner. Sometimes, one doesn’t know how to communicate with creditors or doesn’t know how to communicate very well. With National Debt Relief, it relieves you of that stress.

    The enrollment process was very simple. It was just a little lengthy as far as the questions. You have to come down and say how much you owe with the mortgage and with the electricity, how much you’re paying for gas, etcetera. They take all of those things into account and add them all up. Then they’re better able to tell you whether you qualify to get help or not. Also, to qualify, a lot of your loans have to be past due and that was very hard for me to do because I was current with all my loans, except that I was making the very minimum. I just never saw the light. So one scary thing is that you have to go negative for more than 60 days and that does impact your credit score. After that, they look at how much you owe and how much you make. I believe you have to be employed and with those things, they’re better able to help you.

    I’m probably halfway through paying off my debt at this point and it’s been going very good. I’ve been making my monthly payment and they handle the rest. Come March 31st, God-willing and Godspeed, I should be paying off my first huge debt. It was almost $5,000 that they negotiated on it. The negotiator was also very professional. He answered all my questions and he did not move forward with anything until I 100% understood exactly what was going on and what was gonna be done about it. So he was very thorough and patient. At these times, patience is the key with the consumer and me specifically because I was not just frustrated but I was flooded with a lot of questions on my mind and with stress. Talking about lawyers and lawsuits scares people sometimes.

    He really hit a chord with me because his patience to answer all my questions and his professionalism seemed like it was a sign that I was talking to the right person. With him, I've felt very calm. He told me that they wouldn't have to go to court but if I had to go that way, they would have someone to represent me. He told me that I had nothing to worry about and nothing to lose and that I can cancel anytime. He also said that they may be times when I need the extra money and I can just call in and get from my savings or stop a payment to help me out. Everything is very controlled and relieving on the consumer’s end.

    They also gave me three ways to communicate with them – by mail, by email and through the phone number. And their system is working for me. In fact, I have recommended two of my buddies to it. I’m also actually seeing my credit score go up now and my money is being maintained. Working with National Debt Relief has really helped me to learn a word and that word is "budget".

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    8 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 15, 2019

    I had worked so hard on my credit score that I was petrified of not paying my credit card. I called a company and they marketed and advertised heavily. I heard National Debt Relief's number on the radio and I called them. They were easy to get a hold of. I didn't feel like I was going to be out on a whim. Every time I called, I could get straight to a person. I didn't feel like when I dealt with them, I was just gonna get a machine and the runaround. They explained things to me over and over again. They empathized and said that they understood about the debt seasoning.

    I refinanced my house and the enrollment process was pretty simple. Everything was done over the phone and with e-signatures. I was very adamant that I wanted to be able to see the document before I signed it. I was a little apprehensive about that because I had never done this before and I am not sure I know anybody that had done it. I really just had no idea what was going on. But National Debt Relief was more than happy to let me take my time and read the document. It was easy. All I had to do was respond to an email. There was a link in the email so it made it really simple.

    But National Debt Relief was supposed to refinance my credit card debt into the amount. They weren’t gonna pay out cash but they were gonna pay the debt. At the end of the day, I signed the closing papers and it was not in the contract that they were paying my credit card debt. I could have taken it all back but I needed to get it done. National Debt Relief ended up comping me a $200 check for the inconvenience and they sort of admitted guilt there.

    I had a surgery scheduled that was gonna cost me $8,500. I was gonna put that on my credit card. The credit card debt that I had was supposed to be gone because they were supposed to pay that into my house refi. But I ended up with $14,000 worth of credit card debt. When I looked at the numbers, my income and minimums, they really put me between a rock and a hard place when the plan for them to pay the credit card debt didn't go through because that was my entire plan. I was paying $551 funds from a credit card. It wasn’t the minimum but it wasn’t much over the minimum and it was gonna take 18 years to pay on $14,000.

    Other than that, working with this company immediately reduced the money going out by $400 a month. It also helped my credit score go back up. When you do this and they educate you, you realize that your credit score’s gonna take a horrible hit. Mine dropped 150 points which was insane. But as they resolved the debt, it started reporting as paying again. Nobody wants their credit score to go down but it goes back up as they arrange payments for you and start making those scheduled payments.

    Whenever I got something from a creditor, I can call National Debt Relief. I can scan the document, upload it, email it, and the people always responded. It doesn't seem like they have forgotten me. I like their people's attitude. They didn’t seem like they were in a hurry and they had other things to do. When I was being a little emotional as I was scared, they just answered each question that I had and they sounded like they knew what they were talking about. They also send me an email that says that I have a settlement offer and I can just accept it right there from the email or I can call. I have done both.

    Also, being with National Debt Relief reduced the amount of time that I'm gonna be paying on my debt from 18 years at $500 a month to $200 a month for 36 months. That’s insane. I got into this situation myself but I really intended before I had my surgery already scheduled for that other credit card debt to be gone. $8000 is a little better than $14000. When I found out that our initial credit discussion that they'd pay my credit card wasn’t in my mortgage agreement, I cried.

    At this point, National Debt Relief had settled 50% of my debt. I had five creditors and four have agreements made. The agreements took place pretty quickly. I believe the reason why the rest of my debt isn’t settled is because I have only paid $200 towards it and they only have so much money to work with. If I had put $13000 in that bank, I think that all of it would be settled right now. When I have enough money, like when one payment is probably paid up, I expect for another one to be made. I just don't think there is enough for them to work with to schedule six payments. Right now, they’re working with four. But they did tell me that my debt would need to season.

    The process is very uncomfortable to not pay your bills and let things go in too deep. I was scared. I remember telling their guy that if they didn't follow through, I was screwed because if I took a hit on my credit score, I wouldn't have any negotiating power to come up with any other plan or any other alternative. But I was comfortable with my payment plan. I asked them if I could pay bi-weekly because it’s how I get paid. They said that I can pay however I want to the recommended amount that I needed to and their rep explained about it too. That’s really why I know that the debt settlement isn’t complete right now because of the amount of money. Their rep explained that if I could paid more, even if there were taxes, it would help the negotiation go faster.

    National Debt Relief gave me the option to pay and told me what the minimum was. I was also told to pay in the amount of time that I wanted since I asked about the timeline. We kind of went back and forth until we found a number that worked for me and them. The company has greatly impacted my life because $500 a month going out to credit cards was really stressful. It was causing an impact on my mental health. My happiness and my finances are all sort of intertwined. Now, I don’t even think about it much.

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    36 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 13, 2019

    A friend of mine recommended me to National Debt Relief because I had some debt that I was paying off. I was actually contacting individually and negotiating myself. Then my friend told me to try this program. I was investigating to see how it is and it took me a month. I saw that these companies tend to be money pits so I did my research. The reviews and the testimonies were the determining factors that made me go with National Debt Relief. Plus somebody I know and trust very well personally went through the process, and that gives me that comfort.

    I thought the enrollment process would be more of a hassle. But as I was starting out the program, they gave me materials to read the disclosures, and they made it simple and fluid. Then the money I pay monthly was determined by the amount of debt that I have and that they're trying to pay off. It was 900 bucks a month and they said 48 months. They also have one that’s pretty high but I was in the process of buying a house so I was thinking whether I could afford it. But they were able to work with me. I had moving expenses and they postponed my payment for two months. They were able to do that with no problem and no pressure. I didn’t have to go through hoops and mazes to get that request. It was literally a quick phone call. That was cool.

    The money goes into a savings account and once they see a certain amount, they try and negotiate with the creditors to pay off the debt at a good discount. The negotiators have also always called me when they've settled debts. Every time they came up with a deal, a payment schedule or anything to do with a specific creditor, they would contact me, inform me and ask for my permission to continue if I would choose to continue. I like the fact that they actually take the time and ask if they have permission to proceed. Sometimes, companies think they have a power of attorney and they're safe like that. But NDR actually contacts you to see where you're at. And if they require additional payments to close the account, they would reach out. “You have to pay extra 50 bucks a month for the next three months if that's okay with you. It's feasible to get this debt covered.” They're straightforward and on their ball.

    This might be because of the legal measures but they have a limit on the amount of time you can settle the debt. I think 46 months is the most. Having extra cash, I can afford it. But for somebody who is of lower income, it will be a little bit more fees if they allowed more time to accumulate the funds in the savings account. NDR gets a little percentage as their cost but most of my money is being used to pay off the debt. And for anything left over in the savings account, they let me refund checks. It's great. You can't ask for more. I would definitely recommend somebody to the process.

    I'm also pretty comfortable working with them. My customer service representatives call me once every two months just to see where I'm at. They give me updates and ask me about any questions on any of my accounts, any of my creditors being negotiated or the saving account that the money goes to. And I like that. It's so refreshing. Not even my car loan bank calls me. NDR is a big company but they try to make sure that they're squared away.

    Plus anytime I call, have a question or want to deposit extra funds, they respond quickly. I'm not on hold for too long, no more than 10 minutes. If they don't know the answer, they would put me on hold and ask the supervisor or even the supervisor would get on the phone and talk with me. When I email them, I get a response within 24 hours. I'm about 60% of the way done and the program has paid off a few of my debts. I was able to close out at least four accounts and NDR is working on a few more. The program has also helped me save a few gray hairs with all these creditors because sometimes they can be a little feisty.

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    17 people found this review helpful
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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2020

    Thank you to Owen **. He was kind, thorough, and patient. He was very knowledgeable and a skilled in his position as a Debt Specialist. I really appreciated his help. I’m sorry I didn’t write down the name of the person with the welcome call. She was very thorough also. She was patient with me when I couldn’t find the web address I was trying to save. She continued to assist me until I finally understood. She was very kind and helpful.

    National Debt Relief response

    Mary, thank you for your review this morning. We're so glad to have you as one of our clients. We look forward to working with you to reach your goal of getting out of debt. Please contact us if you have any questions or need to review your account.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2020

    I was searching on the web to consolidate my debt and National Debt Relief was the number 1 in the list. And made my research after checking other places I made my final decision. Thanks to National Debt Relief I could now sleep well.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2020

    I spoke with Anthony regarding my welcome phone call. He was very helpful. Great customer service. It was a very pleasant experience. Everyone I’ve talked to so far, are all very nice & made sure everything was understood by me.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2020

    My experience was great. The person I talked to was nice and professional and answered all my questions and concerns with a nice upbeat voice. I am glad I made the decision to be a customer. Also the follow up call was quick and informative.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 28, 2020

    Clear information and polite and friendly persons. Good advices about debt relief. I don’t have any complaint. Good solutions and alternatives to improve my financial life. Easy to apply and answer in time. Thank you for all your help. I hope to start soon.

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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

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