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National Debt Relief Reviews

4,963,525reviews on ConsumerAffairs are verified
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Edited by: Amanda Futrell
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Fact-checked by: Jon Bortin

About National Debt Relief

National Debt Relief is a debt settlement company based in New York. It works on behalf of clients to negotiate lower payoff amounts with creditors, helping people resolve unsecured debt. Most debt settlement plans are completed in 24 to 48 months, and it claims that those who finish the program typically save about 20% after paying the company’s fees, which costs up to 25% of the total enrolled debt. National Debt Relief is available in 45 states and Washington, D.C.

Visit www.nationaldebtrelief.com
Pros
  • Free consultation with debt coach
  • Free debt relief quote
  • Several accreditations
  • Easy enrollment process
Cons
  • Fees can reduce overall savings
  • Not available in all states

National Debt Relief Reviews

Over 50k reviews since 2016

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    3 featured reviews
    How do I know I can trust these reviews about National Debt Relief?
    • 4,963,525 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 2 Reviews 35 - 75
    Verified purchase
    Staff

    Reviewed Sept. 10, 2026

    George is awesome and very helpful. Thank you. And was very professional.

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    Verified purchase
    Staff

    Reviewed Sept. 10, 2026

    I had a great experience. The representative, Sandy, was great and helped me through the whole process.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 10, 2026

    Agent Jack ** was very thorough and very clear and many times repetitive because of my questions. This was, to me, God-sent! I'm so grateful that you reached out to me via email because I wouldn't have ever thought searching for such an agency!

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    Verified purchase

    Reviewed Sept. 10, 2026

    I'm happy to have this offer and my Guy was great. Hoping this all plays out in my favor.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 10, 2026

    Great to work with and they have great customer service. Very understanding and will work with your personal situation.

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    Verified purchase
    Staff

    Reviewed Sept. 10, 2026

    It was explained to me in words that I could understand. Very thorough.

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    Verified purchase
    Staff

    Reviewed Sept. 10, 2026

    The agent was very kind and took the time to work with me to understand my situation and came up with a workable plan that gave my wife and I hope of getting out of debt.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 10, 2026

    I turned to NDR because I, sadly, was lost in my debt. It wasn't a really large debt but on that 'fixed income' it became overwhelming. I can now see the light at the end of the tunnel and I feel that my burden is being helped greatly. The kindness I felt from Randy was emotionally felt to my bones. He answered all of my questions and went through the whole process with me with great patience, as I am somewhat computer illiterate, at my age of 78. I am assured the all letters, phone calls and threats are stopped, and they have been. I just had a follow-up call from Christian and she simply called to make sure I was comfortable with the program so far. These wonderful people are making this journey great. 5 Stars

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    Verified purchase
    Punctuality & Speed

    Reviewed Sept. 10, 2026

    Awesome service and I should take this chance more early. 😀

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    Verified purchase
    Customer ServiceSales & MarketingStaff

    Reviewed Sept. 9, 2026

    I worked with a sales rep whose name was Norman **. I had hemmed and hawed for months about calling National Debt Relief. Norman spent an enormous amount of time with me, walking me through the ins, the outs, the highs, the lows. I'm sure he could tell I was on the fence. Over the years, I have dealt with many a salesperson for one reason or the other, but never had anyone as kind, thoughtful, and patient as Norman. He clearly understood my hesitancy. He was very reassuring about the program and my reluctance. At the end of the day, I signed on the dotted line because I do need help and look very much forward to that day when I receive the email stating "paid in full" by NDR.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 9, 2026

    So far my experience with Nation Debt Relief has been great. My representatives Ijeome has answered all of my emails and questions in a timely manner. Each time another question came to mind she was on it. I appreciate the personalized attention she gives. I would recommend their services to everyone i know. The plans work in my favor and save me so much money on a monthly basis. I got off the phone feeling relieved and like I can manage my life again.

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    My experience was great. Ryan was very helpful and made sure I understood what he was explaining. He even asked if I had any questions?

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 9, 2026

    Jenna ** is amazing. She was extremely helpful when I was unsure if I was ready to start debt consolidation. Jenna definitely has knowledge in the business and has great customer service and insight.

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    The person was very helpful and polite, and helped me a lot.

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    Verified purchase
    Customer Service

    Reviewed Sept. 9, 2026

    I had a great experience as I went through enrolling with NDR. My first experience with the program was with Justin, who was very accommodating when I needed to reschedule our meeting. He explained things thoroughly and was a joy to work with. I don’t remember the name of the gentleman I spoke to when I was ready to enroll- but he was nice as well. It was the same info I had received from Justin so we didn’t need to start over. Always nice when you work with a company with good communication!

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    Verified purchase
    Customer ServicePriceRefunds & PayoutsStaffBillingHonesty & Transparency

    Reviewed Sept. 9, 2026

    I am very disappointed in this company. I signed up with them and then received a phone call from another debt relief company that gave me a better deal. Lower monthly payments and shorter period of time to pay. I immediately called National back to explain the situation and ask them to refund my $280 that they already took from my bank account. I spoke with many different people there including a supervisor and was told I would receive the entire $280 in about a week. I was happy to hear that and figured one week wasn’t so bad for a lot of money - seemed fair. That was a week ago checked my bank account and received a refund of a little over $240.

    I immediately called and the person I spoke with told me I had fees I had to pay and that would be my entire refund. I explained that that was not what I was told when by I cancelled by at least 3-4 people. They said I would get a full refund of $280. Well, that is not the case and I was very upset because almost $40 dollar difference is unfair when I was told completely different story. I barely survive on social security only at 67 years old and $40 means a lot to me for food, bills and everyday life. I do not understand how they could say different things and totally not care about what I was told. I was basically told that to is is how it is and that’s that.

    I would never recommend National Debt Relief to anyone as they charge more money and longer time to pay and they lie to their clients and don’t care about you like they pretend they do. Please do not use them. There are plenty of other companies to use that help more than they did and very understanding. I called the new company and explained what happened and they actually are helping me by lowering my monthly payment to help me since they were able to work something out because they understand how upset I am to lose $40. It may not sound like much to someone else, but when living on SS on a very, very strict budget, it is extremely hard to be able to survive financially in today’s world. Thank you for listening and please use another company!!

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    Thoroughly professional and patient. Am grateful to be back on the road to financial solvency

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    My experience with your representative Pablo was amazing. He did a awesome job explaining and setting up everything with me. Thank you so much.

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    The person helping me made the process easier. He was able to answer all my questions.

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    Verified purchase
    Customer ServicePricePunctuality & SpeedRefunds & PayoutsStaffBillingTransparency

    Reviewed Sept. 9, 2026

    I started with five creditors in the program, with a total enrolled debt of $36,347.00. I removed two creditors from the program, which left me with a total enrolled debt of $21,008.00. From my experience, this program is not designed for people who have good credit and high FICO scores. In my case, 750. In my case, all my creditors were paid on time. But one home repair cost for my parents' home put me in a financial bind; with me on a fixed income, the payments became harder and harder to keep up. But with this program, it requires you to be 3 months behind in your payments to allow NDR to negotiate your settlement. I was told that my FICO scores would drop, but not badly. Before the process was completed and within one year they had dropped from 750 to 565. I was devastated by it!!!

    Now, if I need any financial help, no one will lend me anything. My NDR monthly payment was $539, and 25% of the enrolled balance went to NDR, with $18 going to the law firm. While you are on the phone talking with the NDR Analyst and reviewing all the documents they send you, you get overwhelmed. And think that it is the right thing for you without taking time to digest all the language by listening to the analyst fast-talk. But if I had the time to review and know all the negatives of this, I would not have signed up for the program. I would have tough it out. Now I have to build my FICO score back up and I do not know how long it will take.

    This program is only designed for people who are already at a FICO score of 500 or less. After the analyst has reviewed the client's application, they should be transparent in telling the person that the program will not be that beneficial for them and let the person decide whether they want to proceed with the application. In my case, I have paid $17,980.51 plus $11, 428.78 to be paid to Reach Financial, for a total cost of $29,409.49. Therefore, I am $8,401.49 in the hole, with a monthly payment of $501.62 to Reach. I am devastated and will not recommend this company to anyone, no matter what NDR commercial or the reviews say!!!

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    Verified purchase
    Staff

    Reviewed Sept. 9, 2026

    The agent who contacted me from National Debt Relief, was amazing. She was very knowledgeable, patient and extremely helpful. I left the experience feeling well taken care of. She was the best of the best!!

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    Verified purchase
    Staff

    Reviewed Sept. 8, 2026

    Excellent experience with Michael. He was very knowledgeable, kind, courteous and patient.

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    Verified purchase
    Staff

    Reviewed Sept. 8, 2026

    The process was much easier than expected and the help received took so much stress off. Would definitely recommend and have recommended National Debt Relief to my family and friends.

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    Verified purchase
    Staff

    Reviewed Sept. 7, 2026

    I was helped by a young man who took care of my issues.

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    Profile pic of the author.
    Sales & Marketing

    Reviewed Sept. 7, 2026

    This company is a scam. They will do nothing but steal your money. 10 months in the program and they settled with 2 accounts only and they stole $12,000 from me. DO NOT do business with this company!!!

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    National Debt Relief
    Response from National Debt Relief
    Hello,
    Thank you for taking the time to share your concerns. We were unable to locate an account with the information provided. We would like to assist you, so please give us a call directly at 888-660-7427.
    Sincerely,

    National Debt Relief

    Verified purchase
    Staff

    Reviewed Sept. 7, 2026

    The representative was knowledgeable and took the time to explain things to me!

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    Verified purchase
    Staff

    Reviewed Sept. 6, 2026

    Jenna was so kind and took a tremendous amount of time thoroughly explaining all of the different options available to me. I felt that she took great care to understand my particular situation and then gave me the time I needed to come to a decision. Once I decided she made sure that I completely understood the process and answered any questions I had. She is a great asset to your program. She mad me feel 100% comfortable and supported with moving forward. By the time we were done I felt like a great big weight had been lifted off of my shoulders!

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 6, 2026

    Excellent customer service. Easy to understand. And quick and easy process.

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    Profile pic of the author.
    D increased rating by 2 stars.
    Customer ServiceCoveragePriceRefunds & PayoutsBillingLoan Process
    After a positive interaction with National Debt Relief, D increased their star rating.

    Original Review: Sept. 6, 2026

    I started out with $15,000 in debt. I was quoted with a monthly payment plan of $281.00 a month. They came up with this figure. After about almost a year into the program, I see hidden payments above the $281.00. Over $800.00 being paid out to 2 creditors above the $281.00. I kept telling them when they called that I was not going over the set monthly amount and I got this tele-marketer type of person push for a loan to cover the $800.00 plus. They DO NOT fight to get the amount down from the creditors, but simply agree with them. NOT WHAT I SIGNED UP FOR! Accounts are going into collection, which they were suppose to stop. Not happy at all with the service I'm getting.

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    National Debt Relief
    Response from National Debt Relief
    Hello,
    Thank you for taking the time to share your experience. Your feedback is very important to us.
    A member of our team will be reaching out as soon as possible to discuss your concerns.
    Sincerely,

    National Debt Relief

    Verified purchase

    Reviewed Sept. 6, 2026

    They did me major service in my life-financially. I feel blessed.

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    Verified purchase
    Loan Process

    Reviewed Sept. 6, 2026

    I was down on my luck because I had a bunch of debt from loan places. So I started looking up ways to make it better and National Debt Relief saved the day and made my life much easier. I went from paying 1800 a month on loans to just 360 a month by using national debt relief.

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    Verified purchase
    Customer ServiceStaffBillingRatesTimeliness

    Reviewed Sept. 5, 2026

    I had 11 credit card and frequent offers to increase limit or get another card at same banks. Was paying more interest than on my bill each month! I received an immediate phone call from my online attempt to find the best debt relief. From National Debt. My questions were answered satisfactorily and I sign up same day without hesitation. I feel that I have help that I need. Takes a little longer to start the program but it’s okay.

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    Verified purchase
    Staff

    Reviewed Sept. 5, 2026

    Great help with all my extreme credit. Very happy with service and experiences.

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    Verified purchase
    Staff

    Reviewed Sept. 5, 2026

    Very helpful when life seems very dark and hopeless.

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    Verified purchase
    Staff

    Reviewed Sept. 5, 2026

    Really grateful with agents. With attention, care and companion in every step.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Sept. 5, 2026

    The woman who talked me through it was amazing -- Empathetic, knowledgeable, respectful, focused, kind -- and spoke perfect English that I could easily understand! My previous debt relief adventure was the opposite. Every customer service person spoke a heavily accented English that also meant they did not recognize or respond to things in ways that were relevant or understandable. The premise they operated on was not explained fully and I spent way too much money getting way too little pay-down on my debt. Yay for NDR!

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    Verified purchase
    Staff

    Reviewed Sept. 5, 2026

    It's very amazing and wonderful experience talking to Ms. ** and Mr. ** because they help me from ruining my life because of this overlapping debts and credits. Now I can breathe peacefully with a fresh air everyday. Thank you so very much...Wanting for sure I will recommend National Debt Relief to my co-worker who are also like me... Your ratings is not only 10 for me. Is 12.

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    Verified purchase
    Contract & TermsStaff

    Reviewed Sept. 5, 2026

    I am pleased with the information and help given, all my questions were answered. Arrangements made that will help with my debts.

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    Verified purchase
    Sales & MarketingStaff

    Reviewed Sept. 5, 2026

    Sean explained the program so I could understand how it works. This is such a relief. Now maybe I won’t be scrambling for pennies at the end of the month! I was so afraid of scams as we have been scammed before!

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    Verified purchase
    Sales & MarketingBilling

    Reviewed Sept. 5, 2026

    I need to see that some accounts have been paid. I have received notices that I am to make payments on accounts that I thought were paid by you. I had a very good visit to start this debt consolidation with Matthew. I would like to know that the ones listed have been paid. I will be very happy once I see that some creditors are paid. They are notifying me to make payments. So far & have not received anything that's been paid, except a listing from you of you you got them to discount a lot to pay. Now I do not find the listing.

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    National Debt Relief Company Information

    Social media:
    Company Name:
    National Debt Relief
    Company Type:
    Private
    Year Founded:
    2009
    Address:
    180 Maiden Lane, Ste. 2800
    City:
    New York
    State/Province:
    NY
    Postal Code:
    10038
    Country:
    United States
    Website:
    www.nationaldebtrelief.com

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