National Debt Relief

National Debt Relief Reviews

3x Award Winner
Selected for having one of the highest satisfaction rates for Best Customer Service, Best Experience with Staff and Best for Transparency
National Debt Relief Reviews

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3x Award Winner
Selected for having one of the highest satisfaction rates for Best Customer Service, Best Experience with Staff and Best for Transparency

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

    Featured Reviews

    Burke, VA

    Albert was very friendly, understanding and very knowledgeable about how the process works. Filled out application and was approved in no time at all. Albert walked me through the...

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    Sebastian, FL

    My experience with the National Debt Relief representatives has been nothing but positive. The reps have all been upbeat and clear in their verbal and email communications and I a...

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    Insights from 5,999 recent reviews of National Debt Relief

    We used sentence-by-sentence statistical analysis to decode nearly 6,000 National Debt Relief reviews published on ConsumerAffairs in the past year. Read below about customers who were happy, satisfied or upset about the four topics mentioned most often in reviews of National Debt Relief.

    National Debt Relief staff reviews

    National Debt Relief won Best Experience with Staff among debt settlement companies in our 2024 Buyer’s Choice Awards. 2,653 recent reviews of National Debt Relief mentioned staff. Reviewers largely reported that company reps were compassionate and capable.

    “[My representative] couldn't have been more empathetic and understanding to my situation, even sharing his own similar story to help relate to me,” said Tracey C. from Bay St. Louis, Mississippi. “He was exceptionally knowledgeable and resourceful.”

    Ultimately, more than 99% of recent reviewers who talked about staff were happy or satisfied.

    National Debt Relief process reviews

    Of 1,240 recent National Debt Relief reviewers who talked about process, more than 99% were satisfied or happy with their experience. That ranks the company in the top three debt settlement companies on our site.

    Many reviewers told us it was quick and easy to apply, get approved and set up their account with National Debt Relief. Some especially appreciated that the company gave thorough explanations at each step of the debt settlement process.

    National Debt Relief customer service reviews

    National Debt Relief won Best Customer Service among debt settlement companies in our 2024 Buyer’s Choice Awards. Nearly 99% of 1,042 National Debt Relief reviewers who mentioned customer service were pleased, like Laflor from Los Angeles, California.

    “The Client Success Team is easy to talk to and they are very professional. It’s very convenient to call them,” she said. “[They] are very quick in responding to my requests.”

    National Debt Relief’s reviews rank the company 2nd in customer service among debt settlement providers on our site. Reviewers noted efficient responses, consistent follow-up and warm manner of company reps.

    National Debt Relief transparency reviews

    National Debt Relief won Best for Transparency among debt settlement companies in our 2024 Buyer’s Choice Awards.National Debt Relief ranks in the top three debt settlement providers on our site for transparency: more than 99% of 1,064 recent reviewers were happy or satisfied with the company’s clear, upfront communication throughout the debt settlement process.

    Reviews often described National Debt Relief’s representatives as exceptionally transparent when explaining the program details and timelines. Many reviewers emphasized that having a specific “graduation date” for finishing the program gave them peace of mind.

    National Debt Relief Reviews

    Over 50k reviews since 2016

    Stars Rating

    • 95%
    • 4%
    • 0%
    • 0%
    • 0%

    Popular Mentions

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      3 featured reviews
      How do I know I can trust these reviews about National Debt Relief?
      • 4,464,628 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Page 1 Reviews 0 - 5
      Verified purchase

      Reviewed June 6, 2024

      Enrolling with National Debt Relief was really simple and easy. I was really impressed with the first person that I contacted and I knew right away, “Okay. This is who I wanna go with. I'm really impressed with these guys.” The program made life a lot easier for me because it combined all of my debts. The only thing I had to pay was the one payment a month. So, it was really a lot more easier for me in life with my finances and this was all of my debts. I had over $21,000 worth in debt. I was really happy.

      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.

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        Verified purchase
        Customer ServicePriceStaffProcessTransparency

        Reviewed May 26, 2024

        Jay, the rep, was very helpful and knowledgeable. He said we could do the sign-up process on the computer and he would help me. I told him the computer hates me and we might have a problem. He said it would be easy. So, I sat down at my computer and did exactly what he said. He walked me through it. I had to go through some papers and I told him it might take me a few minutes. So, we hung up and then I called him back, and we picked up where we left off. Once I signed everything and agreed to everything, my payments were taken out of my account every month. They took all the information for who I owed and told me what my payment would be a month and how they would do it. All I had to do was give NDR the address or phone number and they would handle everything from then. I didn't have to talk to anybody other than 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.

        Verified purchase
        Customer ServiceStaffTransparency

        Reviewed March 21, 2024

        Sure we all have seen their commercial, and wondered if it's all "for real," or just another great marketing campaign, right?! Well, ours is a totally different but very real and authentic story. Briefly, last year there had been a series of HACKING incidents, 3 in all! And, by the time the fat Lady had stopped singing we were devastated!!! Of course, you try your best to get it, all of the incidents fully documented and reported to the authorities; and, even take drastic measures to being strictly secured, and very security conscious, going forward with the new Bank account issuance, etc. I began taking out small "PayDay" type loans, just to be able to stay afloat. But, like everything else in real life; we often don't get it, and thus have to go through a few bad experiences before we finally realize, and have a serious pep talk with ourselves, and say: "Hey, wait a minute! This (or that) doesn't seem right?!.... Or, even makes any sense!!!"

        I found out that these were all "predatorial" loans, and that that's the reason that their interests are through the ROOF!!! The HACKS occurred around April to May, the first-time; the second at about mid July (the week after the July 4th weekend, when my cellphone was stolen); then, the third and last one about August 18-20. And, as you can imagine it!!! It was not a Circus, BUT rather CHAOS ON STEROIDS BIG TIME!!!! Then, around the end of December, that's when our prayers were answered. Hence, I'd been focused on trying to get a real loan from a reputable entity that would allow us the chance to knock off all of the predatorial loans, as well as some credit cards, and then just have one payment that we could just concentrate on. Right?! Sounds, pretty logical.

        However, as I'd been doing this, I came to discover and learned that our credit scores, and "worthiness" was severely affected. And, thus fat chance of being able to get a loan like I'd been wishing, and working on getting. Long story short, it was during a telephone call with Justin, of Turbo Debt, that I came to learn about this thing called: Credit and Debt Relief. As he'd gone through the whole process of carefully, and may I add, extremely detailed run down, and asking me throughout the call, if I had any questions or concerns??? Then, he'd mentioned NDR, and explained that they will be able to fully and completely help us. As I'd said just a few seconds ago, that had been in December towards the end of the year.

        Now fast forwarding to the present day, we're very happy and contented clients of NDR (4: National Debt Relief) now since mid January of this year, when I took Justin's common sense, and great advice, and took the decisive course of action, and signed up with NDR. It's not just a RELIEF knowing that you've got an entire Team and Staff of Professionals that are passionate about helping people like us, get out of that pesky sinkhole that we often just find ourselves in.

        They're truly the BESTEST in the Biz, and that whole Debt Relief Industry!!! They set you up with (and, even give you the Tools, i.e., Budgets, etc., that you need to getting yourselves out of that whole debt quagmire!!!

        They give you the arsenal of other vitally important things like your very own Biz or personal banking account with BEITER, so that your payments get credited for you, and this is where they get the idea that you're indeed SERIOUS about this venture that you've just embarked on...... Hence, that's WHEN they begin to flex their very adept and very IMPRESSIVE FINANCIAL "MUSCLES," and now can start NEGOTIATING with your Creditors on your behalf, with nothing else BUT THIS: .... THE ULTIMATE AND BEST POSSIBLE OUTCOME FOR THE CLIENT(S)!!!! So, this is the WHY I'd stated on the Subject's TAG LINE, that I NOT ONLY THINK IT, but believe it, that absolutely REFERRRING an excellent firm of efficacious professionals to your Friends, Family, etc., is ..... In my opinion the noblest and authentically BEST GESTURE AND THING that you can DO for them.

        Especially, if you're not 100% certain, BUT HAVE A GREAT "HUNCH AND FEELING" IN YOUR GUT that just maybe they're in some financial crisis, and those poor precious folks just cannot figure out HOW they can get themselves out of it. And, still be able to recover, and gain CONTROL of their lives, by prudently learning from these awful mistakes, and learning HOW they don't have to be SLAVES to their Creditors. I am, and we, are very very grateful that we have the careful and very adept Customer Care Team of NDR working side by side with us, every step of this journey. Luis

        Verified purchase
        Customer ServiceStaffProcessTransparency

        Reviewed Jan. 28, 2024

        I recently had the pleasure of experiencing customer service that went above and beyond my expectations, and I am compelled to share my incredible encounter. From start to finish, this interaction exemplified the epitome of outstanding customer service, setting a new standard for excellence. The journey began with a simple inquiry, and I was immediately greeted by a representative who exuded professionalism and warmth. Their eagerness to assist was palpable, creating an environment where I felt valued as a customer. The representative demonstrated an exceptional understanding of the company's products and services, addressing my questions with clarity and expertise.

        What truly set this customer service experience apart was the representative's genuine commitment to resolving my concerns. Instead of offering generic solutions, they took the time to understand the intricacies of my situation and tailor their responses accordingly. This personalized approach not only showcased their dedication but also made me feel heard and understood.

        Moreover, the speed at which my issues were addressed was truly impressive. The efficiency with which the representative navigated through the process without compromising the quality of assistance was commendable. It was evident that they were well-versed in their role and had the tools necessary to provide swift resolutions. Throughout the interaction, I never once felt rushed or dismissed. The representative patiently guided me through each step, ensuring I felt comfortable and informed. This level of patience and attentiveness is a rare gem in the world of customer service, and it left a lasting impression on me.

        What truly left me in awe was the proactive follow-up I received after my initial inquiry was resolved. The company reached out to ensure that I was completely satisfied with the resolution and took the opportunity to gather feedback for continuous improvement. This level of commitment to customer satisfaction is a testament to their dedication to excellence.

        In conclusion, this customer service experience was nothing short of extraordinary. From the initial engagement to the resolution and subsequent follow-up, every aspect of the interaction was marked by professionalism, expertise, and a genuine desire to provide unparalleled service. This company has undoubtedly set a gold standard for customer service, and I am grateful to have encountered such a remarkable team. If excellence in customer service is what you seek, look no further – this company has truly mastered the art.

        Verified purchase
        Customer ServiceStaffProcessTransparency

        Reviewed Oct. 28, 2023

        I have been eagerly waiting for this opportunity to leave my review. Chase ** was an absolute pleasure to work with. He was patient, considerate, compassionate, understanding, empathetic, resourceful, and encouraging. On our first call, I was very cautious, concerned and quite stubborn. He desperately wanted to help me, but I would not give him the necessary information that he needed to do a “soft pull” of my credit information. He offered my generic information with several different possibilities and what they might look like. Debt Relief, Debt Consolidation and DYI. After 1 ½ hrs. on the phone answering tons of my questions, I asked him to give me 24 hrs. to mull it over.

        We scheduled an appointment for the next day. I spent that 24 hrs. researching. So, I tried the DYI method first, I called my creditors to ask for help, asked them to lower my interest – lower my payments - anything for 6 months (all requests were denied). Then I called another company, one of NDR’s competitors. They told me to research each company for legal issues, BBB ratings etc. Funny thing, that other company had several recent lawsuits where NDR had none. So, after I spent my day researching, I eagerly waited for the call from Chase. He called as promised and he was ready for me this time. He said, “bring it on – I’m ready for you, Ms. Chris”.

        We spoke for 3 more hrs., and he answered a ton more questions that I had. We shared a few personal stories with each other. Getting to know one another other. By the way – the more you talk about why you are struggling financially (knee surgery, wrecking car when hitting a deer, moving, and starting over alone etc.) the more they can help. Chase listened – he really listened. He even teared up when I explained my abusive past and why I am so stubborn and focused on doing things on my own without help from others. Once I decided to go with the program, I couldn’t get him to start the process fast enough. I was ready. He walked me through every step while assuring and encouraging me along the way. At the end of the call, I knew I was in GREAT hands. The weight lifted off my shoulders. I could finally sleep, and I did. I can’t wait to reach out to him one day and say “Chase, I did it. Thanks to you I am debt free!”

        Verified purchase

        Reviewed June 14, 2024

        From the beginning to the end I was informed of every detail of the plan, hardly any work on my end, Joseph was great during the whole process. I was very skeptical at first to even try to use National Debt Relief but Joseph made the process a breeze. I am very happy to be able to be debt free in 45 months. I would highly recommend this company to anyone looking to get out of debt.

        Verified purchase

        Reviewed June 14, 2024

        Nathan ** was absolutely wonderful! I received a relief just getting the assistance needed to make a fresh start concerning my finances after the death of my husband. Nathan was very knowledgeable in every area and made everything simple for me to understand. I am so relieved!! Thank you, Nathan!

        Verified purchase
        Customer ServiceStaffProcessTransparency

        Reviewed June 14, 2024

        Brian very helpful, thorough and understanding. Explained and recommended best plan of action. Kind, courteous going over the process. Follow up was fast and efficient and made sure he walked me thru every step of the way. We got disconnected once during process and he called back immediately and we were able to complete the process flawless. Job well done

        Verified purchase
        Customer ServiceStaff

        Reviewed June 14, 2024

        It was like talking on the phone to an old friend l, very professional, relatable and all the above. We was on the phone for hours and it felt like a couple minutes. We talked about sports, cars, and different areas of the country that we wouldn’t mind living if we moved from our designated hometowns. I learned a lot from the guy, I felt secure giving him my information, and more importantly comfortable were is to I was getting scammed. Great company!

        Verified purchase

        Reviewed June 14, 2024

        Claudius **, was very professional, but patient, & kind. I was going to do something to get my bills taken care of. Claudius knocked it out of the park. I had been praying to God about my lein on my house for a while. I had a lot of old debt, so it's getting rid of that. It took some time, to get the forms taken care of. Then I just had to sign.

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        National Debt Relief FAQ

        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 has accreditations from the International Association of Professional Debt Arbitrators (IAPDA) for all of its debt arbitrators and membership with the American Association for Debt Resolution (AADR). Located in New York, National Debt Relief offers nationwide service.

        How does National Debt Relief work?

        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.

        What services does National Debt Relief offer?

        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.
        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 do you qualify for National Debt Relief?

        To qualify for National Debt relief, you must:

        • Be able to make a monthly payment into a settlement fund
        • Owe more than $7,500 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.)
        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.

        Is National Debt Relief legit?

        Yes, National Debt Relief is a legitimate debt settlement provider. 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 Company Information

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