National Debt Relief

National Debt Relief

National Debt Relief

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Overall Rating4.9 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.

    Featured Reviews

    Thousand Oaks, CA

    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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    Lancaster, CA

    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
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    Customer ServiceStaffProcess

    Reviewed Sept. 11, 2023

    Kena was exceptional in that she proved to be professional, personable, patient & politely persistent. I forget how I came to find NDR, perhaps through an e-mailing. I was in need of finding a way to deal with my amounting debt and tapped on the link. I was introduced to Kena and liked her right away. Kena was well up to speed and was impressive to me that she knew so well the process.

    We had started down the path when I realized that I wasn’t completely sure this was the path I wanted to be on. Upon explaining my unsureness she completely understood and encouraged me to sit with the information and when I was ready to proceed to reach back out and she would be there. I had perhaps one or two additional false starts since this process began 2 or so months ago. Last night I came to grips with the fact that I needed to be proactive and decided to call Kena back this morning.…. And there she was, just like she said she’d be. We updated my information and got the ball rolling along. Within 2 hours the process was completed.

    I had many questions and Kena had an answer to each and every question. She gets 10 stars from me for being kind & patient in addition to the other 10 stars I give her for all of her other professional attributes. NDR and most EVERY company could use more employees as positive and personable as Kena. I hope she’s well paid because she could probably name her price just about anywhere she goes. Not that it’s all about the $ Money, but compensation for excellence is very important. I’m lucky to have gotten her and I’m sure you’re thinking the same.

    With Every Good Thought,

    James **

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      Customer ServiceStaffProcess

      Reviewed Sept. 1, 2023

      I contacted a consolidation place and spoke briefly to them before doing reviews. Once I reviewed them I saw they were not even credited with the BBB and I looked further. I found National Debt Relief and spoke with a wonderful customer service agent by the name of Isiehas. He was extremely patient and informative with me throughout the entire process, Explaining in depth through everything. We were able to talk and come up with a plan that would work for me. I was able to get a good night's sleep that night because I knew a plan was in place. He also informed me that if, for any reason, I decided to change my mind and stop with the plan, I could do so. He explained to me their fee as well as attorney fees if there were any and this is all included in my monthly payments, which another great thing, is split up into two monthly payments one on the 15th and one on the 30th.

      I am very excited to finally get this debt off me because, for medical reasons, things got terribly messed up. Also today I had a question for him and was able to contact him with no problem. This is major for me to be able to have one person to guide me and help me through the process. Right now I have a fantastic feeling about this company and have had nothing but good things go so far! Most importantly is they have an A+ rating with the BBB! Thank you Isiehas!

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      Reviewed July 6, 2023

      Brenda ** was my certified debt relief specialist and after speaking with her I knew this was the right move for my debt. She was very friendly and well mannered as well as took the time to make sure I was well informed on the process and how it worked. Answering all questions silly or not to ensure I was confident making this commitment. I had looked for so many different ways to reduce my debt but always fell short. Brenda explained how each and every step worked. She helped me tailor my plan to exactly what fits my budget and how to proceed from here on out. By the end of the conversation I felt as if all my answers or gaps in knowledge had been thoroughly addressed and answered. She also went the distance and provided several ways to get in touch with someone had any answers arose in the process.

      I would highly recommend not only this program but Brenda personally to help you get back to a clean slate with your debt. The program is very easy to manage and Brenda was very transparent with any and every circumstance that may come along the process. I am very excited for this next chapter and what the future holds with this new tool under my belt. I couldn’t be more grateful for such a professional in the field to where I felt I was talking to a friend. Thank you so much from the bottom of my heart

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      Customer ServiceStaff

      Reviewed 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.

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      Customer ServiceStaffProcessTransparency

      Reviewed 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

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      National Debt Relief
      Response from National Debt Relief

      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.

      Verified purchase

      Reviewed Sept. 14, 2023

      I could not believe how amazing my agent was! She walked me through everything and made sure I understood all of my options. Reaching out was the BEST decision I made in my financial life! So much stress and weight has been lifted off my shoulders. Plus, I have extra money each month! Thank you National Debt Relief! You truly are a relief.

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      Reviewed Sept. 14, 2023

      My agent Warren ** was very helpful and patient with staying engaged and assisting me through this process to help eliminate my debt. I had found this service online. I was skeptical at first but after seeing that it’s a company that have been helping others and families for over 15 years and certified with the BBB I felt safe and comfortable to move forward.

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      Customer ServiceStaff

      Reviewed Sept. 14, 2023

      National Debt Relief representative spent 70 minutes on call with me, reviewing and explaining in detail every aspect of options available to me. He was thorough, patient, friendly and non judgmental. I appreciated his assistance very much and feel hopeful for a debt-free future. I would wholeheartedly recommend NDR to anyone struggling with overwhelming debt.

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      Reviewed Sept. 13, 2023

      Lisa was incredibly considerate and showed empathy for crisis we are in. Appreciate her care. Lisa was also very knowledgeable and walked us through the entire process. She gave us hope where there was not much.

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      Reviewed Sept. 13, 2023

      I talked to two people, Raymond and Daniel. Two of the most patient people on the planet..worked with me for a long time. I am not computer savvy. Very calm and friendly. I am 74 years old and they walked me through it calmly and efficiently. They were very knowledgeable about their company and could answer any question I came up with. Will definitely recommend them!

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      National Debt Relief Company Information

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