National Debt Relief Reviews

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."

The rep I worked with had a great attitude. He's very professional and really true. I was really impressed with him. He told me about how to go about contacting all the people that I was in debt with and who I owed and let them know that I was turning everything over to them. When I gave him my Social Security number, he was able to pull up everybody that I owed. Then he pulled up how much debt that I owed. He told me that if I wanted to get started with it, he could set up a payment plan. The payment plan was really amazing because I split it up until two payments a month, which is a lot easier for me. I said, “Okay. I'm gonna set it up for the 15th and the 30th of every month.” Whatever arrangements that I wanted to make that would be best for me was fine with them.

As far as my progress through the program, I had online access. They sent me the link and told me how to go about checking everything and seeing my progress and putting everything up. What I really enjoyed is when they were able to make an agreement with one of the people that I owed, they would send it to me, then I had to look it over, and they ask what I think about it. If I agree with it, I had to click on the agree button, and I was on the road paying that off.

I was in this program for about four years. In four years, I had them debit money from my account on the 15 of the month and the 30th of the month. What I liked about it is that if something came up and if I wasn't able to make that payment, I would just let them know five days ahead of time, and they would reschedule that payment for me. I had to do that about four times. Then I let them know how we catch it up the next month. It was really amazing. They would really work with you. Overall, it was an excellent program. The most rewarding thing was that I did get all of the debt paid off. They gave me a deadline as to when all of it would be paid off if I followed through with all my payments on time and in four years, I had it all paid off. I was very satisfied with them.

Before I called National Dent Relief, I was paying almost $1,000 a month and not getting anywhere because the interest on the credit card eats you up. Jay said he talked to somebody and they said they could get it down to a different total. I paid $506 a month. If I had any questions or if NDR had made a deal with whoever I owed, they would call and tell me what it was. And if I would accept it or not. You'd be stupid not to accept it. But if I had a question, all I had to do was call. I talked to different representatives on the phone when I would call and they were always very nice and never made you feel like you were an idiot. If they didn't know the answer, they told me they were not sure and would call somebody and call me back. And it may be an hour. They always called me back and found out what I needed to know.

The program has done wonders for me. I'm completely out of debt. I have no credit cards and I have no intention of ever getting one. My husband died. He was very good with money and I was not, and I had to learn the hard way. It got me in trouble because I was using credit.

People would be silly for not calling and talking to NDR and see what they could do for them. It took me three and a half years to get completely out of debt. Had I not done that, I'd still be in debt. If you add up all the interest you're paying on your credit cards, even if you've got two credit cards, it can't match the percentage that NDR gives you to pay everything off.

To track my progress, I frequently logged into their portal where I could see how things were moving along. Overall, I found every part of this experience to be positive. At the end of the program, we completed our last deposit in October of last year, after enrolling in December 2023, marking about ten months in total.

The biggest takeaway for me was the clarity they provided about our debt status and the ability to negotiate down our debts. I would highly recommend National Debt Relief to anyone looking to efficiently manage their debts and work towards being debt-free. They made the process manageable and reassuring.

National Debt Relief had a positive impact on my life when I needed it most, and I even recommended the program to my stepdad, who also participated. However, the biggest lesson I took from the experience was the credit issues I encountered afterwards. Despite knowing the potential consequences, I now find myself working with a credit repair agency to address the aftermath. I don't blame the program, as I understood the implications, but it led to some post-program challenges.

In conclusion, while I was very satisfied with National Debt Relief's service, the long-term effects on my credit are significant, and I would be more cautious about entering a similar program in the future.