National Debt Relief Reviews

During the process, there were a couple of vendors that sent nasty letters and threatened lawsuits. But because I was in the program, I got free legal help and their legal department was able to squash all that. I didn't have to go to court for anything. But I regret that I didn't negotiate the monthly payments better because, at the time, I've only got 30 days to make a decision. So I went with them and hastily didn't really think about what I told them I could afford to do month per month. So the five years was really a struggle, but it was because I didn't make a better negotiation on what I could pay per month. Also, about two years in the program, I became aware that you can go to your debtors and negotiate your own way out of this instead of going through someone like National Debt Relief.

If anybody asks me about National Debt Relief, I would tell them to listen to what they say, read the documents they send, and understand it fully before committing. In my case, because the debt load was so high, having to deal with that for five years at the price that I had to pay got very difficult. But I was able to get through. Also, when I started the program, I went from a 526 credit score and today I'm sitting at 772.

I have an account and watch it on a dashboard. I could watch my account and I could say, "It only takes this much to pay this one off." I would contact NDR and say, "I've got $304 in there and it's only taking $200 to pay them off. Can we go ahead and just scratch them off the list and then start from there?" They would do that. They could move it around if something happened.

NDR would also send an offer to me. As the offer would come up, they would say, "Do you wanna do this, yes or no?" And I would settle it. They would take their fees. But as I watched mine, so instead of paying off in September of this year, my final payment was in June. I had three months with no payment. It just ended. One thing I didn't realize was I just purchased a home, but when I went to do that, the rep said National Debt Relief was on my credit report. I didn't realize that utilized some of my credit. I had to make sure that those creditors reported until it was finalized, make sure that they would update and report it. They showed me as a negative. Even though I paid it through NDR, it was better if I could put an explanation out by it so they couldn't count that mark against me every month. That worked very well.

I learned how I could pay biweekly and pay off much quicker. As I started doing this, I also had a car loan. I set it up on biweekly. My car loan was paid off earlier than I thought. It was just six weeks. It was six more weeks payments of me of every other paycheck to whatever. That made a huge difference. I would highly recommend NDR to anybody.

We slept a little bit better when we started seeing the program and how it progressed, and it eliminated a lot of our concerns. Now that we're back on our feet, it's a lesson for us. We learn in life but unexpected things happen. It's a big relief for us now that we know that we can get control back over our financial situation. NDR gave us access online to let us see how it was going on. If we had any questions, 24/7, we could call them up regarding our concerns and they would look into it and get back to us right away. We can see everything online. We had our personal website, our page where we can access the account and see the progress, what's going on and how they're negotiating with the banks.

When we called and the customer service reps weren't so sure, they didn't give us an answer that they wanted us to hear. They would have their managers or supervisors look into it and call us as soon as they could and give us the right answers. So, the customer service was excellent and I appreciate that. There was one male customer service rep who needed a little bit more training. He never got back to us. Everything was recorded. But he didn't record exactly what we were looking for and what we were asking. But we got the information when we called back and everything was cleared. The lady on the other line helped us. The females we spoke with were excellent.

The biggest learning experience is knowing that there are people out there like National Debt Relief that are out there to help. And that is the greatest help. Because we're all struggling. We're trying to survive. I can name one bank that will attack you and keep jacking up the interest. But National Debt Relief came to the rescue. And we couldn't believe that they got it 50% down of what the charges were. We were shocked at how much we saved so that was a blessing.

This was before the pandemic started. I had no idea that what I was in for was a great thing. When I started it, it was a four-year program. And I said, "Four years, I'll be out of the pandemic by then. Da, da, da." Come to find out, now with the inflation and everything else that we have to deal with, I am sitting pretty right now because I have no bills. I have no credit cards to worry about. Everything's paid for. Everybody else is out there putting groceries on their charge cards because they can't afford anything anymore.

If these people would learn about debt relief, how good they are and what they do for you, they would sign up too. Putting all these things on your credit card now is worse than it was when I started the program. It's a marvelous thing. It's nothing to be skeptical of if you call them and talk to them because they're wonderful. I referred several of my friends to them already. When a company takes care of you, you tell people.

The program helped me learn how to budget because I had a certain amount that I had to pay at the end of the month and at the beginning of the month. They ended up having to call me and asking me if I could move one up. I said, "Sure." "So, can you add $200?" I said, "Yes." So, we put that at the first of the month. I had to budget to make sure that I had enough to pay it, and I never missed a payment. When I was done with my program, they asked me if I would share my thing and I said, "You know what? Give me a little while to swallow that. Because now, what will happen is that they'll know who I am and how I got there. And I don't know if I wanna share that."

National Debt Relief said they could help me. They were able to look up all the debt I had, and they asked me about everything, including what I wanted and needed. I explained to them, and they told me what would be the best bet for me. They didn't force me or twist my arm. They just said, “Hey, we have these options. You choose.” I chose one of the options, and I was very relieved that I did. There was no pressure to join their service, and once I got off the phone with them, all the stress was drained right out of me. I had a very high comfort level. They came up with a payment I can make, and it was amazing. The ongoing customer support was fantastic too. If I couldn't get ahold of somebody, they called me back right away.

I was very happy. I cried a bit ‘cause I didn't know what else I was gonna do with all these debt payments and I couldn't pay my mortgage. It was terrible, but now I'm back on track. I have peace of mind, and my credit score is really good again. I'm not gonna put myself into this situation ever again. Thank God for National Debt Relief. If somebody that makes as good money as me gets themselves in trouble, it can happen to anybody. If someone's struggling with their debt, give them a call.