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National Debt Relief Reviews

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Edited by: Jon Bortin

About National Debt Relief

National Debt Relief is one of the largest debt settlement companies in the U.S. It negotiates with creditors to reduce how much clients owe. It reports helping over 550,000 people since 2009 and focuses on unsecured debt like credit cards, personal loans and medical bills over $7,500. Services include personalized plans and support from dedicated debt specialists.

Pros
  • Free consultation with debt coach
  • Free debt relief quote
  • Numerous accreditations
Cons
  • Will need to pay percentage of debt enrolled

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?
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    Page 2 Reviews 5 - 35
    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed March 2, 2026

    I wanted to see what National Debt Relief could do about my debt. I reached out to them and my experience was very good. They left a lot of the decisions up to me, if I could do this and that. I had questions and they answered them. They got back with me but they didn't tell me I had to do it right then. They were very professional. They followed up on every question that I had as well. It took six months and they got me such a good deal. They did their job, and I had to do my job too. It was really quick. I have finished the program and I'm very satisfied with the results.

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    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed March 1, 2026

    National Debt Relief has actually changed my life. I recently had to move unexpectedly. My bills were piling up due to the high interest rate. The timing of your call to me was absolutely a godsend. I was on the phone with Frank for probably two hours. He went over every single detail step-by-step! I’ve never been so impressed with a simple phone call that made so much sense to me enough to sign up with National Debt Relief to get my credit cards and bills in order. We worked out a monthly payment plan that was absolutely perfect for my payday schedule. I’m 100% confident that this will completely change my life.

    I’m a liver transplant. Patient and I have a lot to worry about just keeping myself alive let alone having to worry about paying off my debts before the end of my life, thank you again for having such a nice company and excellent customer service and the gentleman that helped me was an absolute genius and mathematician on the information he gave me. I also told him if he ever needed to make a commercial call me. I’ll be more than happy to represent your company. Thank you again. Suzanne.

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    Verified purchase
    Customer ServiceStaffBilling

    Reviewed March 1, 2026

    I had an account with Synchrony Bank, and I noticed that every time I made payments, they kept upping it. So, it was doubling my debt. I figured that I was not going to be able to pay it off without some sort of help. Somebody had mentioned debt consolidation and I looked up online and the most recommended was National Debt Relief. So, I gave them a call, and they were able to handle that situation for me. The rep that I talked to asked me questions and I was able to enroll over the phone. He was very knowledgeable. He helped me a lot. He explained how it worked and I felt better about the programs. It was pretty straightforward.

    National Debt Relief had lawyers make a deal with Synchrony Bank and it ended up bringing my total down. I made monthly payments twice a month for a year and a half. When I got all that paid off, it raised my credit score. So, I went from poor to good, and I've been doing other things in that time, but that significantly helped me. Overall, my experience was very positive. I definitely have told other people about National Debt Relief.

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    Verified purchase
    Punctuality & SpeedStaff

    Reviewed Feb. 27, 2026

    National Debt Relief was the only one that I had heard about, and signing up for their program was very easy. Their representative was very friendly and helpful. He walked me through the process and made it so easy to get through. He knew what he was talking about and it really helped alleviate the stress that I felt. As far as how the program works, it would go to a designated account, and it would get paid from there. I've been in the program for about two years, and I've never had an issue with it. It was all good. Even when I made my final deposit, the agent helped me get that taken care of quickly and definitely very helpful. The program works very well. It helps keep me straight and gave me a peace of mind that it was gonna be taken care of without having to stress about that with every other thing going on.

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    Verified purchase
    Customer Service

    Reviewed Feb. 26, 2026

    They have been great so far! I started this National debt relief program approximately eight months ago, and so far they have resolved 2/3 of my creditors! Every time a new development happens with my claim they make sure to call or contact me in case of any questions.

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    Verified purchase
    Customer ServiceSales & MarketingStaffBilling

    Reviewed Feb. 26, 2026

    I had some bills I needed to get straightened out and that was taking a long time. I saw National Debt Relief advertised and decided to take a chance. Debt consolidation was a good solution and enrollment was easy. I called the number and someone spoke to me, then I went online and did it. They walked me through the process. I signed up and it went on from there. Everything was satisfactory and I have no complaints. The program and the representative were good. Everything went smoothly for me. I was satisfied and if I had to recommend National Debt Relief, I would.

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    Verified purchase
    PriceValue

    Reviewed Feb. 26, 2026

    Awful! The percent they make from settlements is a waste of money and time. The impact on your credit score is devastating, they say your credit score will bounce back but it’s not worth it when you have other options. Go to your bank first!

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    National Debt Relief
    Response from National Debt Relief

    We appreciate you sharing your experience and are very sorry to hear that it did not meet your expectations. The impact of our services on credit scores and the associated fees are indeed crucial considerations. It’s disappointing to know that these aspects have caused such dissatisfaction. Our team is committed to understanding your concerns more fully and will be reaching out to discuss this further. Please do not hesitate to contact us directly at any time.

    Verified purchase

    Reviewed Feb. 26, 2026

    I’m really satisfied with National Debt Relief. Great company has worked with me with all my financial difficulties. I’m very content that I’m resolving my financial situation with National Debt Relief,

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    Verified purchase
    Punctuality & Speed

    Reviewed Feb. 25, 2026

    Quick and easy process. Questions and concerns were promptly addressed. “Salesman” pitches were slightly excessive for my liking, but they were not overly aggressive, which was appreciated. I had already decided to accept a program offer from NDR, if I qualified, during the accessing phase so the informational pitches were not necessary for my situation.

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    Verified purchase
    Customer ServiceSales & MarketingPriceStaffFollow-Through

    Reviewed Feb. 25, 2026

    I got behind with my move and started charging things to American Express and got in over my head. I saw National Debt Relief advertised, so I thought I’d check it out. The enrollment process was very easy. The reps told me they would approach American Express for me and see what we could get for a payoff. Then, I paid National Debt Relief every month and it went into a bank account. It went towards my payoff, and I got something from American Express saying I was paid in full. It was slower than I thought in trying to get ahold of somebody, but National Debt Relief did what they said they were gonna do. The customer service did their job. Trying to get ahold of the lawyer was a problem. But the operators were great and could give me everything I needed. I just wanted to go a little higher to find out what was going on.

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    Verified purchase
    PricePunctuality & SpeedOnline & AppStaff

    Reviewed Feb. 25, 2026

    National Debt Relief was recommended to me by a friend, and I was on the program for about two years. My experience enrolling was good and the rep was quick and informative. I tracked my progress on the website and just completed the program. It has impacted my life tremendously by helping me save money. NDR is worth it and they really help you.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 25, 2026

    National Debt Relief helped me get out of debt quickly, so I'm very thankful to them. I was in the program for close to three years and the impact was great. They sent me my progress through email. I had a very good experience with National Debt Relief. If you want to get out of debt, they can help you, or you can choose to stay in it.

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    Verified purchase
    StaffBilling

    Reviewed Feb. 25, 2026

    National Debt is a fantastic way to clear credit card debts. National Debt does all the paper and lawyer stuff instead of me doing it. National Debt Relief is easier and cleaner for me. With the current economy, there is a need for a simple and clean way of paying of Debt without claiming bankruptcy.

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    Verified purchase
    Customer Service

    Reviewed Feb. 24, 2026

    The enrollment process was super simple. They walked me through it very well. The service was really good. They send you emails, give you tips on how to stay out of debt. I feel like I'm doing a commercial right now. They gave me tips on how to build my credit back faster.

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    Verified purchase
    Customer ServiceStaffBilling

    Reviewed Feb. 24, 2026

    I reached out to National Debt Relief, and my experience was good. They helped me with some credit card debt. I just spoke to them one time and they set me up with some payments every two weeks and I was paying them off, and that was it until I got it paid off. Their customer service was good. I would recommend National Debt Relief. It's a good program. I like it and I would use it again.

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    Verified purchase
    Customer ServiceStaffHonesty & Transparency

    Reviewed Feb. 24, 2026

    Working with NDR has been an experience that I am so grateful for. The communication has been honest, direct, and thorough in explaining the process. Although it is a stressful time, I feel like NDR has my back. I can’t recommend them enough for anyone who has found themselves upside down in debt with no relief.

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    Verified purchase
    Staff

    Reviewed Feb. 23, 2026

    I tried National Debt Relief and I liked it. They got all my debts combined into one. The enrollment process was easy. They were really nice and I understood everything they were telling me. Also, everything they said they were gonna do, they're doing it. Working with them has really helped me out really well.

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    Verified purchase
    StaffTransparency

    Reviewed Feb. 22, 2026

    The agent I talked with was very detailed in her explanations and made sure all my questions were answered. She made making a stressful life decision that much easier to make and I felt confident it was the right one!

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    Verified purchase
    Staff

    Reviewed Feb. 22, 2026

    Someone had recommended National Debt Relief and I thought I would give them a try. I went for a resolution and the enrollment process wasn't anything that was difficult. I just signed up with them, and they did the rest. Their reps were very informative. If I had any questions and concerns, they answered them. They're the best. I would recommend them to anybody.

    Working with National Debt Relief gave me a chance to breathe, because prior to them, I had no idea what I was going to do or how I was going to tackle the debt that I was in. They made me feel comfortable about the way they would handle it and how they would handle it and when they would handle it. And so, after I signed and talked to them, I had no problem.

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    Verified purchase
    Customer ServiceBillingTimeliness

    Reviewed Feb. 21, 2026

    I started my Debt Relief program on October 2025. The first 2 months I started getting some trust in the program when I received immediate response by phone calls. I am still learning with NBR personnel on my account's issues. As of today, I have got resolution to 3 debt accounts, and I see how you are following the other open credit cards.

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    Verified purchase
    Punctuality & SpeedRates

    Reviewed Feb. 21, 2026

    I didn't have a lot of debt, but it's enough to qualify me for debt consolidation. I was pleased with National Debt Relief. Their rate was good enough, and I paid it off early. I would recommend them.

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    Verified purchase
    Staff

    Reviewed Feb. 20, 2026

    National Debt Relief helped me a lot. The enrollment process was easy. Everybody was great. They went with my budget, and that helped me out a lot. They took care of what they had to take care of, and I'm debt-free now. It was an awesome experience. I made a good choice. It gave me a lot of relief. There's no stress.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 19, 2026

    My agent was very pleasant to work with although I still don't know exactly how the plan works. Signed the creditor enrolled list before I realized there needed to be some changes made before we started the plan, he was supposed to get back to me yesterday but I haven't heard back yet, I hope we will fix this before the plan is put into effect.

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    National Debt Relief
    Response from National Debt Relief
    Hi Mr. Santillo,
    Thank you for your feedback. You understanding our program is very important to us. A member of our client success team will be reaching out as soon as possible to discuss and provide you with the information you need.
    Sincerely,

    National Debt Relief

    Verified purchase
    Staff

    Reviewed Feb. 19, 2026

    Normally have a good conversation and a good thing but one conversation, I did not understand, and it was very difficult. But next time I talk to someone, he was in a better situation and got the situation resolved, everything is good now.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 19, 2026

    National Debt Relief is awesome. When I talked to their rep, they seemed more professional and were very informative. They were more about me than them. They put me first. They emailed me everything I needed to look over and sign. Once I liked everything that I saw, I emailed them back and signed up with the program. The process was really stress-free and worry-free. They made everything a lot more simple and easy.

    National Debt Relief helped me get rid of a lot of the debt big time. They did all the work and it was great how they took money out of the account and saved it. Customer support was great too. I got emails every once in a while letting me know how I was doing. I got phone calls from them just checking in. Once my debt was paid off, they were in contact with me and said it was all taken care of and I could move forward. National Debt Relief has made life easier where I'm not in so much debt so I can do stuff and manage my money better. If I had to do this again, I would use National Debt Relief and I'd tell others to go with them as well.

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    Verified purchase
    Customer ServiceRefunds & PayoutsStaffBillingLoan Process

    Reviewed Feb. 18, 2026

    I was in debt - credit card, mainly, but I had some other debts along with it, a personal loan and medical bills. I went with NDR and they took care of what I requested. With other companies, they just said, “We need this to start with.” I'm already in debt, so I don't wanna go further in debt trying to get out of debt. But with National, it just seemed to fit at the time. I'd highly recommend them.

    I had a good experience with them. The only problem I had was that one of my debtors started taking money back out of my account. From the get-go, they stopped, and then they started back up again. National Debt went after them and said, “You need to contact them.” I didn't have any way of contacting them because every time I called, they would come back at me and say, “We have nothing to do with that.” But National Debt went after them and got me my refund back, or what they had taken out of my account. I'm quite pleased with them.

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    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed Feb. 18, 2026

    I had a lot of debt and I wanted to have someone help me get it all paid off. I've had a lot of medical bills and I also had payday loans and just some other bills that I had to get paid. I had used NDR's service before and I was pleased. It had been a while, but I went ahead and called them and asked if I could use them again. And it worked very well. I sent them everything online, which was easy to do. Then they would look everything over and then get back with me and let me know that they received it online.

    Any time I called, my questions would be answered completely and to my satisfaction. They were always willing to make sure that I understood completely any steps that they were taking or why I had to wait for certain steps to be taken; they would always explain them to me in a good way. And they were kind. Their service has been good, so far. I ended up paying everything off a year in advance. Helped me get my credit scores back up where I needed them, so I bought a new car.

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    Verified purchase
    Customer ServiceStaffBilling

    Reviewed Feb. 17, 2026

    National Debt Relief sounded reputable when I Googled debt relief, and when I asked a couple of friends, they’ve heard of NDR and knew that people have used them before. The enrollment process was easy and the reps were very helpful and kind. They weren’t judgmental. I’m done with the program and it made me feel a lot better about my finances and gave me a lot of relief in how I paid off my bills. If people needed help in the same way that I did, they should call National Debt Relief.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 17, 2026

    It was a pleasure and easy to work with Chris ** on getting assistance with my financial situation. He was very pleasant. He spoke very well, and I could understand what he was saying and what he was explaining to me. He gave me all the information I needed, including his phone number, the customer service phone number and the phone number to give to my creditors if need be. He was very kind and courteous and treated me with respect. He walked me through the entire process and it made me feel comfortable. So I would definitely recommend your company to others.

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    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 17, 2026

    This company is very proactive in their approach and handling negotiations with the companies debtors owe to, very professional and on time communication with their clients, I’m glad I chose National Debt Relief 👊🏻

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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, 30th Floor
    City:
    New York
    State/Province:
    NY
    Postal Code:
    10038
    Country:
    United States
    Website:
    www.nationaldebtrelief.com

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