National Debt Relief Reviews

The enrollment process was okay. It was a little bit confusing at first, because at that point, I was swimming and losing water. So, I needed something to do. But they were really nice. They helped me out, and that made it easy for me. The rep worked it through and said, "Okay, we've got this. And this is what we're gonna do.” Then he was saying, "Okay, we need this information. We need to have this sent to us.” I was able to get all that together, fax all the information in the different companies that I had payments to. It worked out pretty easily at first. It was just a little bit for me, ‘cause I couldn't actually see the process. We were just talking about it. And I'm more of a visual person. But that was okay. The rep I worked with explained it. He was very patient with me and went over every little bit, exactly when things were gonna come out, when it was gonna do this.

I really liked the program because as I put money in, it got up to a certain point. The main thing I liked was that I could go on those websites that I owed money to, those companies, and I could put in a phone number for them to call other than calling me. Two companies would keep calling me. I said, "I've asked you to please call them. They are my representative to pay off this debt.

One was Best Buy, and they were ugly. ‘Cause I said, ”I don't wanna not pay the bill. I'm just going through a company to help me.” It was really beneficial to have a phone number I could give them, and they could talk to them. That was the most helpful to me.

The second most helpful thing was that NDR worked out a budget for me that was good for me. When an offer came through, they said, “We're gonna do this much.” It was really nice, because most of it I was able to take. But then some of them said, “Okay, can you give this much more money a month for three months? And then it'll go back down.” I can budget that in. It wasn't all of a sudden, “Oh, you have to have this right now.” It just worked out really nicely.

I appreciated the way the program was interested in my welfare. That I still had money for medicine, shelter, clothes, the basic needs. That was really helpful, and being able to have that money taken out and being used appropriately. I did not think the fees were extraordinary, ‘cause I figured they were doing a lot of work. They’ve got a lot of people to pay. So, to me, the whole program was beneficial.

I would tell others to do it as well because they're gonna benefit in the long run. It was a tremendous weight off my shoulders. The person that I talked with first told me my credit score was gonna go tank really low, and it did. But I knew it was gonna come out of that eventually. It was gonna get better. I was gonna get all this paid off. I could show that these things were paid, not just written off as a bankruptcy. I think it also made me smarter to only use what money I had, not money that was on a credit card.

It's a very good program. They’re upfront with everything, and they are honest. And when I called to ask a question, even if it was something that maybe to them was simple, I wasn't treated like that. It was always something, “Okay, let me see. How can I help you understand this?” Or if I was in a little bit of trouble, they’ll say, “How can we help you with that?” I really appreciated it.

They were also easy to use. I could send a message if I needed to. I found calling was better for me ‘cause I could talk to a person and talk out what my question was, or if I was scared about something, like when I got the suit. I was like, “What do I do? What do I need?” They said, “You don't need to do anything. Just send us the paperwork. We'll take care of it. That's what we're here for.” Even the lawyers were great. They reached out to me when I had a question about what they were emailing.

It was a non-refundable contract I signed for services I never received for not earned legal and medical fees. I used 28 credit cards to prepay for services I never received. For two years, the monthly payments on 28 credit cards totaling $47,000.00 has forced me to work three fulltime jobs which I am still doing. The income I earned that went to the monthly credit card payments put me into a new tax bracket. My 2025, Federal Income Tax Bill is $6,800.00. I start a monthly payment program with the IRS on August 15, 2026. They will take $700.00 out of my account on the 15th of each month. My monthly payments to NDR is going to be taken out of my account on the 1st and 15th of each month.

Mr. **, listened to my situation and got me low bi-monthly payments in the amount of approximately $325.00 twice a month for five years with no hidden interest or legal fees. Mr ** explained to me that the NDR company negotiates for settlements at a lower than amount owed to creditors fashion that fosters all payments paid in full to each creditor as they are paid allows for all fees to be paid at that time for each creditor respectively, as each are paid. The structure of the payoffs includes me each time as Mr ** carefully explained to me so that I know and approve when each credit card creditor is being paid after all agree to the final settlement amount.

The unpaid cards, as Mr. **, further explained, are maintained by Global Banking wherein the monthly payments I make goes into this general account and the credit card debts are managed by the Global Bank and NDR. I kept my credit in tact and in good standing and Mr De La Rosa had me approved within minutes. I can pay off my loan early without penalty or deposit larger payments each month. I feel like Mr. **, covered all areas to perfection.

I had an issue with Capital One, then because I'm a T-Mobile customer, Capital One extended me the invitation for a credit card. So, I accepted it. I went on holiday to the Canary Island and I used my credit card over there for all my purchases. Then I came home and I paid it off. I got a credit card with zero balance and $7,500 available. So, that worked out pretty well with National Debt Relief's help.

Initially, when I called up National Debt Relief, I got into the program and started talking with a person. They figured out how much was coming in, then they figure how much was going out. They did some numbers, then they saw what number was good for me, and it was. But I told them that I could pay a little bit more, so I went a little bit more and my payment was $666 a month. By paying more shortened the time to pay off everything. After I enrolled in the program, they told me to stop paying my creditors. So, when I came home one day, I had an envelope taped to my front door and Discover was taking me to court.

I called National Debt Relief and they took down all the information. I faxed them all that because it was a clump of pages and they took care of it. National Debt Relief's reps were very helpful. I even spoke with the lawyer, and the lawyer said I was good because I was going through the debt relief. Discover ended up jumping on the debt relief program, and they got rid of taking me to court. The same thing happened with Capital One.

The program was good. It saved me a lot of issues. But one thing that I did not like about it is that with every call that I spoke with a representative, they'd always ask, "Have circumstances changed? Had things changed?” And although things changed, and I was struggling to make those payments every time, I hardly missed. Even when I asked if my income was still significantly reduced, I didn't get any other help.

I felt that National Debt Relief obtained my service, but that was it. For that one, it’s like I was hooked in initially, but there was no consideration about the changes of income, the decrease in income from there. They were all nice, but I think it was more scripted. Although I was going through a lot of health struggles and bad health stuff, and I explained it, I heard that they sympathized. But when I expressed that the payment was getting too hectic for me to keep every two weeks, they understood it. And although I was asked, do I have any more hardships, and the answer was always yes, there is no mention of reevaluating to see if we can redo something to reduce it. It's almost like it was bait and hook, and you're stuck. But I am grateful. They're good.

It's been good to get me out of debt by settling. But I feel like I could have done better settling myself. I could have if I had calmed down. I was too much in a frenzy after I lost my job. I couldn't think straight. And I did not want to deal with having to figure it out. I think had I just been still and called these places individually, I could have gotten a better settlement for myself and probably have worked out something better with the creditors. The only thing that made me go through with National Debt Relief is I didn't want to be garnished. And I knew they could stop that. I knew they would be the ones to stop that better than I could.

They had a lot of positive reviews in terms from people who had graduated from the program or who were currently enrolled. Then I just gave them a quick call and got on the program. It was also very doable. I did have a little bit of a few hiccups along the way, but we were able to get back on quickly. And I graduated on time.

Other companies didn't really have affordable options. They did offer me some quotes based on the amount that I owed in credit card debt, and then what they could offer to pay monthly. It was too high for me at the time ‘cause I was going to school, and most of my money was being allocated to my tuition. But National Debt Relief did.

I like that they were giving me tips. When I had my debt collectors calling my phone number, they were like, “We'll go ahead and replace your phone number with our phone number,” on my personal stuff, like on the mobiles. I owed a card with Chase Bank, which I still bank with, and they were calling me. They said, "Go ahead and log in to the app and change your number to our number. So that when they call you regarding your debt, they'll be led to us. And then we'll be able to negotiate with them, and then get a lower payment on that card for you.” They told me to do that with every single card that I had, just to update my information, specifically, my phone number.

Once I did that, the collection calls stopped on my end, all being routed to National Debt Relief. Then, after they were able to get in contact with every single debt collector, they came back to me saying, “We struck a deal with all of them, and this was the amount that you would pay,” which was $226 was my monthly payment. Then they would be allocated to the debt collectors, respectively.

I was very comfortable working with them. They were very thorough and polite. What I enjoyed the most was the active listening. Because when I had those hiccups where I just didn't have income, they were able to ask the right questions and then see what they could do for me in the meantime until I got back up on my feet.

My monthly payment was the 226, and they were able to cut that in half for two months to give me a little bit of breathing room to just gain some more income. Then I was back to the normal monthly payments going forward after those two months. That was helpful ‘cause I had lost several jobs in between the four years. It was very helpful at the time.

The ongoing support after graduating from the program was also very helpful. Because they provided me tips, like how to remain debt-free and then just how to manage my finances going forward so that I don't accumulate large amounts of debt going forward. It's helped me stick to a budget, kind of like the guardrails that I need now since we have my daughter, and she's two years old.

Overall, I had a very good experience from start to finish. Have really no complaints whatsoever regarding the process, the enrollment, or the customer service I received before and after. I definitely would choose them over other competitors again if I need to. And I would definitely also recommend them to other people that I may know that have high amounts of debt.

I had little to no problems communicating my situation whenever I would lose a job. The process was very smooth, and National Debt Relief was very on time with them noticing that a payment was gonna be coming up. And I always received an email three or five days before the due date. They also always notified me if there was a holiday coming up that the transactions would be coming out on this date versus my original date, which my original date at the time was the 21st. If a holiday came up, they would let me know by email, saying it would be taken out on the 19th, just to avoid any late payments.