National Debt Relief Reviews

The experience was a very smooth transaction and settled without a hitch! Thank you NDR! The experience has been stress free and it took less than 4 months to settle my account. Communication between myself and NDR was excellent. I wish I had done this sooner.

Finding yourself unexpectedly in overwhelming debt due to completely unanticipated unemployment followed by a reduction in income is a terrible feeling. It's embarrassing to have to make that call. Olga was very kind, thorough and patient when I asked questions. She was very empathetic and seemed to really care. She put my mind at ease and made me feel not so bad about my whole situation.

My experience with NDR has been very good. Everyone was easy to understand and clear. I am thankful that the burden of my debt has been eased. Star and Simon were easy to talk to and explained everything in a clear and concise manner.

When I called I expected to be shamed about my debt, and how it came to have debt. But Kennedy got on the phone.. and let me tell you he is the BEST! He was very understanding, and praised me for taking the first steps. I would definitely recommend National Debt, and especially working with Kennedy. He made me feel like I was doing the right thing, and that it happens to the best of us. Thank you Kennedy!

Had everything explained in detail and answered all our questions answer. After getting everything done that we needed to we felt a lot better. We trust them. My wife and I feel that National Debt Relief has our best interest in mind.

I wanted to be debt free in the next five years. I had a few accounts that I needed to take care of and I'm getting closer to time and age. I went to some companies and the lady I had spoken to recommended National Debt Relief. They have me in a two-year program and they've been helping me with some of the credit cards, clothing companies that I was dealing with and Kellogg's. They condensed some of the interest rates, cut the bills in half and took care of those. They debit the amount out of my account. I started out in 130 and now, up to 200 and if I can add more, I let them know. So, they're able to do what they need.

I was truly worried about my financial situation before I called. The representative I spoke to make me feel confident I could get ahold of my situation and walked me through all the steps until I understood what was going on. They care about you.

This company is great, took care of lots of credit card debt without legal problems, they take care of everything makes life much less stressful when you get yourself in a bad financial situation. Good way to stop credit card calls without bankruptcy.

Very professional and great at explaining how the program works and benefits us. Great customer service. Courtesy is there. Answered all my questions right away. Helped me set everything up online. Provided all the information I will need to get started and in a timely manner.

Good service. Just started the process so there is much more to go! The hours of operation are well adjusted to fit schedules. It’s worth taking the time to speak to a representative. For my first time using a service like this I understand everything. I’m still skeptical if it will work.

Really enjoyed Mathew and Choya in the initial process. We are really looking forward to the new year. Not feeling the weight of debt heavily on our shoulders. Wish that we didn't feel the way we do concerning our creditors, however their overpriced interest and fees are what got us into this mess in the first place.

The customer service representative was very friendly and answered all my questions in a complete and professional matter. I sensed his tone of understanding and empathy which made me feel like he was truly concerned for my well being and cared about me.

Call was done in 15 min, rep very professional and curteous. Explanations and instructions were easy to follow and complete. I am satisfied with the service you are providing. Thank you for your time and consideration in helping me with my debt.

Yes, I recommend to a friend, so I just told a friend that call and get the information to get in the program to get help. Since the beginning of my first call, yesterday, I felt really well for the professional employee who attended my call in Spanish, Claudia **. Also today with the welcome call Miss **, was really professional the same that Miss ** was yesterday. They are very efficient employees and with excellent customer service.

Everything has been super simple and easy to understand. Everyone is very helpful. This is a horrible experience to go through but they make it simple to understand. I wouldn’t go through any other company. The customer service was very helpful.

My customer service representative made the process very easy and explained my options very clearly. What I thought was going to be a difficult and confusing process, was completed within 30 minutes or so. What was going to take me 30+ years to pay off will now be completed in 3.5, thank you!

I'm hopeful that my debt will be paid off with no problems. The staff here at National Debt Relief have their T's crossed and I's dotted. The set-up is easy and almost hands free. Please, if you are in debt for any reason then give National Debt Relief a call.

Everything was made very clear and simple to understand. I feel like I have all the knowledge I could have asked for about the program because it was explained amazingly. I believe that the Debt Relief Program is really going to help me make a better future for myself not that I have made the cautious decision to be debt free!

Joel and Paul both were very helpful in explaining each and every question I had. I'm not happy to be having to do this but hope it will work out. Thank you for helping me through this process to rebuild my credit rating. Merry Christmas and Happy New Year!!!

The gentleman who answered my call was super efficient, helpful, gave me the information I needed and transferred me on to the Underwriter section for a question that they needed to answer! He was very knowledgeable and not only could answer my questions, he could give the reason for the answers. He was outstanding!

This entire encounter, from start to finish, has been a very smooth transition. Everything was explained professionally and easily, every question and 'what if' scenario was answered honestly and without hesitation. I want to thank everyone on staff that made this an enjoyable experience.

Very helpful, and understanding. Gave me hope that things are looking up. I was worried I would have to file bankruptcy but as it turns out the National Debt Relief program is going to help. So far I am a new client so we shall see how this goes.

Great service, friendly, would recommend this service to other people. They explain the program to me very well. And easy to sign up. I found this company on the internet. It was rank in the top ten. If I was to have to do this again I would use this company.

I've been very happy with National Debt Relief. They've been very upfront and direct which is what I like. With all my different medical issues, I've just learned that beating around the bush doesn't really help. Their staff was very respectful and anytime we've had a problem or question, they've been there to answer it and help us along the way. I was diagnosed with cancer and NDR has really helped me in relieving one less stress for me and my husband and now, I can concentrate and focus on my health. I would recommend them.

National Debt Relief has been very informative, they tell me exactly what's going on and how long the program is going to take. They asked me about how much I could afford and they stuck to it. Also, if I have a problem with getting signed on on the website, I simply contact them and they help get the problem fixed and we're up and running again. I've been working with them a little over a year now and they've been able to close three accounts. They're doing really good.

National Debt Relief has been helping me close out my credit cards. I'm doing the monthly payment and whenever anything is going through, they will call and ask first before they move further. I have lost all my income and it seemed they're the best fit to put me back. They helped a lot better than anybody else. And the majority of the people I spoke with are knowledgeable and courteous. They told me that my credit score is going to go down. I asked when would it pick back up. The person I spoke to said that it should take about six months. But instead, it keeps on going down. Recently, they called to tell me that they wanted to put another credit card, which should have been already on the account because every time I pulled it up online, it was there. The gentleman was telling me it wasn't. Still, I find the quality of service I'm getting from National Debt Relief good.

There was something that I was looking for and when I asked National Debt Relief's agents a couple of questions, they had it worked for me. So, that’s why I went with them. They were very knowledgeable and they resolved whatever issues I had. They did a great work because I never thought I was going to reach this far with my debt consolidation. The cost was good at one time. But then, I’m getting a financial difficulty so I talked to one of the agents and they reduced it for me for a couple of months to see how I’m going to act with that. I had lost income for a while because of the hurricane and everything had passed. So, I’m back on track now.

I got injured at the beginning of the year and I wasn’t sure when I would be able to go back to work. I was out of work for about six months and instead of our credit and me and the wife having to go through bankruptcy, I decided to go to National Debt Relief, that way all our creditors would end up getting paid. It would just take a little longer. I had checked into a couple of companies and National seems to be the easiest one for me to be able to do while I was bedridden.

Dashawn ** helped me a lot about my personal loans that I have. He just made my day when I signed up and I totally understand what he was explaining and even though I have plenty of questions he has a lot of patience to answer my questions.

The consultant I dealt with was very informative and patient. The process was very transparent and thorough. All my questions were answered and when I got off the phone I felt certain that I made a good decision. I look forward to being debt free and I am certain that as the process continues, my questions will be answered.

I had a pleasant experience with Greg. He is very knowledgeable and informative. There is a lot of information to absorb but was assured that I would have help whenever I would need it. I am glad I called NDR.

NDR made the process as smooth and stress-free as possible. They were extremely thorough and walked me through each step to ensure that I had a complete understanding of every aspect of the program. I would recommend this company to anyone in my position.

Working with NDR has been great, they have been super helpful and understanding through the whole process. Anytime I have a question they are just a quick phone call away. They have taken a huge weight off my shoulders, it’s a great comfort knowing that they are taking care of everything.

We had a bad connection during the phone call and so it was sometimes difficult for me to understand what was being relayed to me. I had to ask her to repeat the instructions. Also, the rep seemed inexperienced and a little unsure of what she was doing.

So far very pleased with NDR and their ability to decrease debt with creditors. Would recommend NDR to those needing assistance in this matter. Good customer service and efficient staff. Matters are conducted via email which is very convenient and punctual.

From the first call to the understanding of what I'm doing it was a great experience. I felt important and taken seriously, thank all so very much. I am completely satisfied and looking forward to moving forward and I'm confident every need I have from here on out will be taken care of.

A lengthy process but very thorough. I feel that your employees were very courteous and informative and I am confident that this process will proceed as planned. Looking forward to a debt free future! If anyone were to ask me about debt management or relief, NDR would come to mind.

About 1 year ago I needed some help to resolve a credit card debt I could not manage to pay. My husband had passed and my income was reduced to my social security only. The staff at National Debt Relief were very helpful and did not make me feel bad in any way. They were able to do all they said they would and I am managing to pay the debt off without being harassed by any bill collectors. Thank you.

Did a great job in explaining program. Giving information on where I could locate items and check my balances and progress in program. Gave phone numbers and contacts and walked me thru some issues. Will recommend to others I know in need.

Overall, I had a very good experience with Kenny at National Debt Relief. He was very knowledgeable and understood the dilemma that I was in and very understanding of my situation. After much discussion it was agreed that I would enter into an agreement with them and I am glad I did. I would recommend them to anyone in my situation.

Really great people that explain everything to a tee that's going on and what to expect in the Weeks to come. Very helpful in walking you through the process and explain what you're signing before you ever sign. I highly recommend this company to anyone looking for help with debt.

I am so thrilled with the recent settlement agreement that NDR was able to reach with one of my creditors. It’s such a relief to know that I have a partner like NDR to help me work with my creditors. Thank you!

Easy, and Very Helpful. Contacted them on Tuesday afternoon and had the program in place and all set up by Wednesday afternoon. Actually feel like there is light at the end of the tunnel. Would highly recommend working with this company to any of my friends and family.

My experience with NDR has been a wonderful experience to this point. My Rep Was very informative and made me feel very comfortable through the whole process of consolidating my debt. I started this process about 4 months ago, and they have already settled with two of my creditors. That is amazing. I didn't want to have to do this, and was quite embarrassed at the fact that I had gotten to this place with my debt. My Rep Helped me through this and made me feel very comfortable. This process has helped me with my stress level and has kept me from having to file bankruptcy, which I really thought was my only option. Thank you Nat. Debt Relief!

Was treated with respect and explained the complete program. It was a pleasure to work with Kate. She was kind and thoughtful. Looking forward to getting my debt under control. Debt Relief covered and explained in a simple way what the program objective was and how it works. Leaving me at ease putting my debt into their program. Thank you.

I felt the people that I talked to were very informative and professional. I didn't feel pressured to enter into this program and I appreciated that very much. I was asked frequently if I had any questions and in fact encouraged to ask as many questions as I needed to understand your program.

So far from the beginning everyone has been very nice especially Kim **, she was very nice and very good at making me feel like I was making the right decision. If everyone else is like her this will be a great experience.

When dealing with the people you get a genuine sense that they care and want to help you. They take the time to explain everything and make sure you understand before they move on to the next item of business. They know you are in a bad place already or you wouldn’t be calling and try to handle you with sincerity.

Thank you for your help so I can be debt-free and worry free.

I'm happy w the settlement outcome, but I don't understand why if they allegedly had taken more $ than the amount off settlement they don't just pay the whole amount, on one shot. Now I have make the payments for a whole year. ☹️

Everyone I talked to seemed in the loop and was very friendly. Service was fast and courteous. All Reps were courteous and so and knowledgeable. No one was pushy or rude. Pleasure to talk to all the persons I spoke to.

NDR has provided me nothing but world class service since my induction into their program. Their associates outlined all possible misadventures, and ensured I understood the process start to finish. They are completely transparent and there is a reason they have such a high score on the BBB. Most people that review this place as bad, are because they expected something that is not consistent with reality. If you have a debt settlement requirement please look no further.

Rhonda was so very helpful in our sign up process with National Debt Relief. It was a smooth transition for us. She went step by step on the paperwork which needed to be signed. She explained each process until I understood completely. Thank you so very much Rhonda.

Charles **, the rep who helped to determine my eligibility for the program was thorough and thoughtful in discussing the rules and options available. He explained the program and made sure I understood each detail of the agreement once he let me know I met the requirements. The follow-up call from the client success team went over everything again to ensure that I understood the program and what would happen to help resolve my debt. If all goes as mapped out, I will be out of debt in approximately 4 years, thanks to the advice and support of the National Debt Relief employees. Thank you Mr. ** for your help!

Very friendly and knowledgeable staff. Answered all my questions, (even the ones that were probably silly). They were very kind and understanding of everything. They took a personal interest in myself and never rushed me or made me feel that I had no other choice and needed to quickly make a decision. I appreciate everything Jason and the certification staff did for me and made me feel. I highly recommend them to anybody and everybody!

I was delighted that all my questions were answered to my satisfaction, and that changes could be made. I was relieved to discover that I had found a service that was so forthright in informing me of what my expectations would be. I am very pleased so far, and have hope that I am going to better my financial standing at the end of the program.

The hardest thing that I had to admit was that I was struggling with my finances due to a divorce & the death of a parent. I’m not the type of person who doesn’t pay their bills, but unfortunately there I was past due on several accounts. I was humiliated & trying to figure out how I could get a handle & be that responsible person & pay back my creditors. Jaeson had contacted me several times & I was still assessing my financial affairs. I contacted Jaeson & yes humbled myself to say I needed help. Thankfully I was approved & then spoke to Yvonne within the Welcome Center which confirmed my discussion with Jaeson. I’m so grateful to both of them. There was judgments no judgment. It was a resolution process that definitely has me feeling that a weight has been lifted off my shoulders. Thank you National Debt Relief & your professional staff who helped me in an extremely desperate time in my life! :-)

My experience was professional. This is a Non Stressful process with this company, they are polite and will explain everything in detail and will stop to make sure you understand. They will go over every document with you and explain how the process works.

I feel that the representatives really care about my well being. I would definitely recommend this service to others in the same situation. I feel confident that I will be able to conquer my debt. I look forward to the day when I leave this debt behind.

Everyone was very helpful and explained everything very well. Johnathon was very content on getting in contact with me. He tried several time and I could talk. He kept trying until he got through. The lady that verified everything was very nice also. I just pray this all works out.

My enrollment experience went well. The process was easy, Freddie was thorough and quick. I feel I understand all aspects of the program. I look forward to working together towards resolving my debt and beginning a new, debt free chapter of my life.

I know the representative is reading a prepared script, however I would like them to stop after each statement for questions or clarification of what they are explaining. I had questions but things were being thrown out so quickly I did not get to ask.

Although I am relatively new to the program, my experience thus far has been awesome. My expectations have been met and surpass by the National Debt Relief Team. My only regret is that I should have done this earlier. Great job!

I am very pleased with the results National Debit Relief has achieved for me so far. I couldn't be happier. I am so grateful!!! The representatives have been very helpful, courteous and professional. I was not sure what the outcome would be because of a prior experience. Thankfully this has been a very different and productive.

Dylan and Jamie were very helpful and made sure I understood everything, going thru everything step by step. They listened very well to my concerns and questions. I hope to be debt free in the allotted time I've been given or possibly sooner.

Clyde, the service representative made the process very easy and took a lot of stress off my plate. He was very respectful and non judgmental. He answered all my questions; he is very knowledgeable. I feel that I was handled fairly and I was surprised at how easy they made this process.

I really had a good experience. The phone call was wonderful and showed good customer service. I would definitely refer a friends. From beginning to welcome call went well. They explained each form from top to bottom and made sure I understood the whole process.

National Debt Relief was helpful and respectful. I feel as though National Debt Relief will thoroughly help in becoming debt free. If I received any communication from debt collectors National Debt will handle all of the game for me so I don't have to stress about it.

It was very easy and enjoyable experience. Most of it done online and emails. People were very nice and didn’t seem to push me into on the spot decisions. The welcome call was very easy to understand and when I did have a question, he explained it in a different way that I could understand. I hope this is truly a way to aid my financial needs.

I reached out to National Debt Relief for consolidation of fed debt and they got to speaking to some of my lenders. I did a little research and they kept coming highly recommended by multiple sources. I've had a couple of them already resolved fairly quickly so I'm happy with the results. They usually reach out to me both via email and verbally. They give me advice, but ultimately, it's still my call and I'm well-informed before I make the decision, so I like it. They update me and I can also jump online and follow some things as far as how much I've put away towards it, how much is remaining, what's been resolved and what's pending resolution.

Ani ** is the perfect customer service representative. She's very helpful, very honest and knowledgeable. The best customer service specialist an employer can have. She's also very patient and I told her that my only regret is that I should have called National Debt Relief a long time ago. I've wasted so much money paying that law firm. Thank you Ani ** and thank you National Debt Relief.

Happy to get help from National Debt Relief. Process of application was very easy and find the best deal solution explained good. The staff was professional, helpful and online application was pretty quick. I will recommend it to everyone. Hope get success with their help.

Very professional service, clear information all the time, representative happy to help and clarifying information and possible questions. I will be able to save a lot of money with this program. Greg was very helpful. I HAD an experience with consolidate credit company, but I think National Debt Relief is so much professional. I received correct information since my first contact and I know exactly how much I have to pay every month without extra fees.

The positive reaction I received from the representative made me feel welcome into a decision which was hard one that I will succeed. I thank you for the confidence the program will conclude in a positive outcome. She gave me a complete outline in to what to expect and informed me of the Welcome package with information I may need during the program.

I owed 1,000's of dollars to multiple creditors. I ask NDR for help with the settlement of these debts. In less than 30 days they have closed one major creditor. I am very happy with the service they provide. I will recommend NDR to anyone who is interested in settlement of their own debts.

This company helped me start settling my debt and it was all done over the phone in less than 4 hours. Marv who called me back to update me on the progress was more than helpful. I feel he went out of his way to make sure I felt taken care of. Thank you.

When my husband recently had open heart surgery, we found ourselves unable to continue to pay our debts. In doing research on this subject I found National Debt Relief and reviews were favorable. I spoke with Marvo ** initially and my experience with him was excellent. He explained things so well that I was able to pass on the information to my spouse. We had another great call with Jaime ** and to our surprise we are signed up so quickly. Thank you for the opportunity to honor our obligations.

I had a great experience. Worked with Joel ** and he helped me out a lot. Happy I did this with National Debt Relief and I can't say how less stressful my day has been after completing the process of this program. I hope you folks can help me out to get out of debt so I can go ahead and live a debt free life. Thank you!!

I greatly appreciate your automated system and timely communication regarding my account. It is very helpful to receive things via email, as well as have access to a live person, if necessary. I work a lot and often take care of personal things in my car at lunch, so this works for me.

Just getting started but so far so good. The representatives seem very knowledgeable. I hope this program will get me out of the financial difficulties that I am currently in. I am looking forward to working with the debt specialists and will make sure this does not happen to me again.

My experience with National Debt Relief was awesome. They explained to me what was going to take place from the beginning to the end of the program that I was signing up for. They also answered all of the questions I had to ask. I look forward to seeing where this journey takes me.

It is a program mainly to set up a debt relief for my high interest fees and high total amount of credit payment. I felt good about it on joining them to find my solution on the matter. My goal is to cut down on credit card usage and hopefully in the future that I am only going to use just one credit card.

With regards to all of National Debt's staff that assisted me, they were all friendly, helpful and very nice to deal with. I would gladly recommend this to a friend in need of a debt solution. Excellent help.

My experience thus far with National Debt Relief has been an easy process and very thorough. The individuals I've spoken to have been very helpful and have answered any questions I have had. I feel confident about my enrollment and having success in the program.

All the agents were wonderful in answering all my questions. Communication was great between myself and the agents. Highly trained in helping me with everything I needed to know. The entire program was explained detail by detail. I felt very comfortable.

The staff was prompt and professional. They made the whole process painless. Would definitely recommend this company to anyone who is looking for a way to help themselves without hurting your credit. Let's face it. Sometime we all need a little help getting out of a steep hole!

Great service! I am so happy that I decided to go with this company. They have answered all of my questions with laser accuracy and wonderful service. They are completely customer focused, everyone I have spoken with has provided me with some of the best, judgement free information I have ever received. I will recommend them to anyone seeking these services.

Thank you so much for everything!! You guys truly rock!! This program will literally save me tons of money! Thanks National Debt Relief for all the hard work you guys do! I appreciate everything you have done for me today!

Thanks for the help understanding the process. Not the way I planned on starting my thirties. I just hope I can get through this sooner than later. 22k is a lot of money. This new GIANT monthly bill will put a hold on everything. But it could’ve been worse. So I’m at least grateful to find the right help. Thanks.

All were very helpful and I appreciated Anthony taking the time to make me understand all that is involved with this program. I look forward to paying off my debt and taking the stress off my shoulders at this time due to my health concerns. I do hope for a speedy resolution in all of my debts.

National Debt Relief's enrollment process was easy and they were all friendly. I'm halfway through the program now and they're good about calling me and letting me know that they’re settling something. Plus the amount for the payment is good for me. Suddenly I got extra money in my pocket from working with them and that was good.

I did some research on the best price for what I was trying to work on and National Debt Relief met all the criteria I was looking for. I can always call them and ask questions, and they were always good about answering them. They're accessible and really quick to respond to emails. I understand it's a process, but from the point we were at when we started on the program, it's definitely seen improvements. It takes time, but it'll be worth it when it's all said and done and I will have had a much better experience coming out. But they've been really good to work with, they've been helpful and it's been really easy.

I had been thinking about doing consolidation for a while so I reached out to National Debt Relief. The cost was fair and my dad said it was the right move for me at that time. I worked with a guy named Nate and he was super helpful. He acted like it wasn't a big deal, like this happens all the time and made me feel comfortable. I had one private school loan that I have to reach out to and get them some information. But otherwise they did all of it. I just signed over a power of attorney and it was done from there. It was great and I'm 80% on the way done.

I had high debt that I wanted to settle and I don't want to go bankrupt. I researched and found that National Debt Relief had better ratings than others. Also, they are the biggest and the best with the most success rate. I reached out to one company and there were pros at their enrollment. They needed a lot more information at first and I wasn't able to provide on the spot. I then reached out to National Debt Relief. They made it more streamlined, easier to enroll and they gave me some options on the payment plan. Their reps are very good, professional and they know what they're doing. Also, their cost was fair since I don't have the time or energy to settle the accounts by myself. I've been with them for about ten months and they were able to close a couple of accounts. They've given me a bit of reassurance. All is not going to go well overnight, but I can feel it chipping away and there has been a difference, slowly but surely.

National Debt Relief explained the consolidation process, how the settlement would work, how long the payoff would take and how much we have to pay every month. They gave us all the information then we enrolled and started paying the credit companies. Enrolment was easy but it took a little while. I gave a lot of information to help us understand how it was all going to work. I’m now almost done and working with them has impacted my life in a good way. I have extra money and credit card companies have been paid off. Everything could be less expensive but the cost was okay. Give NDR a shot if you’re completely buried in credit cards. It’s hard to get out of them once you’re buried in them.

I would definitely recommend National Debt Relief to anyone. Thank you for helping get my debts paid. And helping me get my life back on track. There are no words to describe how great it felt to know everything was being taken care of the right way.

Great customer service, very knowledgeable and clear when explaining program to be very effection. I am very impressed with the professionalism of my personal agent and the team. Would definitely recommend to my family and friends. Looking forward to being debt free.

Everyone was helpful and informative. They were confident in their knowledge and made me feel relieved to start decreasing my debt. Everything was explained so I could understand the program thoroughly. I would highly recommend this program to friends, family and co-workers.

My welcome call was amazing. Very informative and nice. So far I would recommend National Debt Relief to anyone because everyone has been so nice and polite. It was easy and simple and so glad I chose to do this to help myself get out of debt. Have a good day.

The service was wonderful from the staff. I really hope and pray this will help my medical and emotional situation. Not only these two situations but especially my financial needs. My only worry is getting a lawsuit from any of my debtors. I wouldn't know how to cope.

Very thorough and both representatives had great personalities. I felt very lucky to have discovered your company. I feel very informed and like I can be supported if I have difficulties with my creditors. I feel like I am much more involved in the process of getting free from debt. Thank you.

I started out skeptical with National Debt Relief because of my prior experience with another debt consolidation company but I was very impressed with the amount of time in which National Debt Relief got a debt settlement. I am very happy and pleased with their services and support. They were able to get a good offer in a short amount of time. No hassles!!

I am very happy that I signed up with this program. Employers are friendly and answered all my questions. I was surprised at how fast 2 of my accounts were closed. I would recommend this program to anyone. Signing up for using this program fairly easy and gave me peace of mind.

Ani ** was so helpful in explaining the program and its benefits vs bankruptcy. Every time we spoke she was so eager to answer any and all questions even if she had already answered them. And if I didn’t understand what something meant she would explain it again.

Devon whom I initially talked to was very thorough and very informative. I appreciated his professionalism very much. Johnny who did my welcome call was very energetic and friendly and did a nice job making me feel comfortable with my decision to go with National Debt Relief.

The process was smooth. Both Roy and Eva were pleasant and patient with us. Thank you. I hope the rest of this experience is just as positive as the beginning was for us. We always had excellent credit but we could not pay more than the minimum.

My experience was painless and everyone I talked to was kind and understanding about my situation. Not liking that this is what I have to do but cannot continue being on this treadmill. You worked quickly and hopefully will help me get back on my feet and out of debt.

Jakeith ** has helped me start this process. He explained very thoroughly how the process would go and gave us his direct contact number in case we had any questions that we may have not thought of during our initial phone call. So far the process has been very smooth.

Your call and services were very thorough and professional. I'm very excited to get my credit back on track. I have tried to pay things and get caught up, but they take all the payment for interest and the accounts never go anywhere to get caught up. I pray working with you will be a better experience and faster to get me where I need to be for my family. Thank you so much.

I have nothing but good things to say about this experience. Every representative has been exceptionally delightful. They have answered all of my questions and were all so very nice. I would definitely recommend National Debt Relief to anyone. They have helped me so much and have taken a giant weight off of my shoulders.

Michelle ** was all but friendly and a pleasure to speak to! She helped me through all the steps and was very patient and friendly when she worked through my issues! I would recommend this to anyone struggling or considering bankruptcy!

So far my experience with NDR has been so encouraging and wonderful! Teneesha was so great and supportive and really Took the time out to listen and address my concerns! National Debt Relief was the best thing I have done in a long time!

NDR has been there for me from the start and just a few months in I am already seeing results! I can’t say enough about how great the experience has been and the stress it has relieved. Thank you, NDR and I look forward to continued success working with you!

National Debt Relief has been a great experience. My credit has been transformed in less than a year. I would highly recommend them if you are feeling overwhelmed with monthly payments and needing to get your credit back in order. They are knowledgeable, professional, and super supportive.

BBB reviews were helpful. Website was easy to navigate. Representatives were knowledgeable, friendly, and helpful. Natasha was true to her word when she said she would call back. Her review of the documents was easy to understand, she was willing to answer questions. I found her to be friendly and professional. Simon, with the Welcome information, was also friendly and professional. He frequently paused to ask if I had questions and answered them readily when I did.

Representatives talk like they are reading from a script, which I get, but after 5 minutes it got old. Everyone was very nice and answered every question I had. My hope is this will get me out of Credit Card debt. If this works, I will never get into this situation again.

Service was great, very prompt and persistent service. This is my first experience with National Debt Relief. It's too early to comment on long term service but initial start up was very easy. National debt relief assured me that I would be out of debt in 3 years.

The customer service was wonderful, and they answered all my questions. They were available for me to call multiple times, and they even called my father a few times to answer questions. They were truthful with their expectations. And I felt like they answered all my questions.

Would highly recommend -- both Veronica and the Welcome Call Rep (sorry I did not write down her name) were friendly, courteous and very helpful. Felt very comfortable and not pressured to make the decision. I feel very relieved to get the help and feel like they are looking out for my best interest.

My wife and I are very glad that we decided to have National Debt relief help us with our overwhelming financial situation. We didn't know what we were going to do, especially with Christmas coming up in a couple of weeks, But after talking to N.D.R. everything is looking real good for our Holiday season. Thank you and Merry Christmas to Kyle **, and everyone else who helped us.

Daniel the rep. who helped me was very informative and took the time to explain the process that will take place when trying to help me get out of debt. I was very stressed out about my debt before speaking with Daniel. Now I feel a little less stressed out knowing I have someone helping me.

Toya and Willson are awesome! Great Customer Service. They both took the time in their busy day to be friendly and explain everything in a straightforward way. We asked a lot of questions! We appreciate how patient they were. Glad we called your company!

I had a very pleasant and helpful experience. All details of the program were thoroughly explained to me. Very Helpful. The risks and benefits were made clear to me. Both the people I talked to were friendly and did a great job explaining the program to me.

I was in complete despair then brought to great relief with the compassion and guidance of Max **. Because of Max I received a positive and gracious experience enrolling in the National Debt Relief program. This has given me new faith in a happier life including a debt free future!!

Helpful information helping dissolve my problems, helping me through and helping me to understand everything. Help me on the computer read through the information the guidelines how I was going to pay this debt off. Contact information email that they sent me helped me through that was real helpful and I'm grateful for everything. They talk to me.

Both my contacts with the Debt Specialist and the Welcome Call associate covered the subject matter in a very professional, thorough, knowledgeable manner. I look forward in a confident manner to participating in the program and eliminating the debt I've incurred.

Even though I just started the program, the customer service reps I spoke to were very professional and thorough going through all the requirements for the program and getting me all the documentation I needed. They explained things in a way that was easy for me to understand. I am very impressed so far.

So far NDR has done all the promised and more. I have been in the program for 5 months and 2 of my debts have been settle for less than half. That have saved me from drowning in debt. I would definitely recommend to anyone who is financial trouble.

The first call was good. The welcome call was somewhat confusing. The lady was talking too fast and didn’t really allow me time to process the information she was giving to me. So I am positive that I missed a lot of information. Then she kept asking me if I need assistance logging into the portal before I even knew what she was talking about. I didn’t know where the portal was to even know if I needed assistance. Then I received 4-5 emails that were not explained to me. If they were she was talking too fast for me to get what I was being told. There should have been more to confirm my receipts of the emails and then have the information explained to me. The first guy did a really good job with this.

Great experience. Person I spoke to was well informed and very detailed in the information I was given. All information was well presented. Looking forward to having my matters resolved and getting back to having my credit where it is supposed to be in order to make my life easier.

Received a phone call from customer service that my Bank of America Visa Card has reached an agreeable settlement. The process will be confirmed in writing. Very satisfied with the good news, will be saving more than 50% of my debt. You're doing a great job, thanks.

My hubby and I were thoroughly informed on the new steps we are taking to obtain assistance for our hardship to reduce our debt through National Debt Relief. So far we are pleased with their expertise. We are looking forward to the new startup.

Just getting started but my experience so far has been a positive one. Everyone I have spoken with has been informative and helpful. I would certainly suggest this service to anyone looking at an alternative solution to debt relief, as opposed to filing for bankruptcy.

Carlos was patient and explained all the steps to me! I would recommend National Debt Relief to friends and family. I feel so much more at ease with my situation! The welcome call gave me another opportunity to ask any questions or review steps that I was concerned with. The overall experience exceeded my expectations.

My encounter with the customer service team member during my brief was Excellent. This has been a stressful year for me since the bottom fail out on my finances. I had nowhere to turn. I had experience some horrible customer service with another company. I must say the team members positive attitude truly made me feel I did make the right choice by choosing NDR.

I am glad that I decided to accept National Debt Relief program, it take an ease of my mind to not worry about how to pay my debt. Customer service was very nice and it is a pleasure to speak with them. They are very patient and explain the program in details to you.

I first spoke to Rocco who was patient, kind, compassionate and knowledgeable. He explained everything in a clear manner and answered all of my questions. He was very polite and professional. He definitely knows how to do his job and he does it well.

I've been very happy with the National Debt Relief. And I'm hoping they can to continue with helping me get rid of the rest of my credit debt. One of my credit cards is already been taken care of and I continue to hope that the rest of my debt will be taken care of.

Rahim who originally helped me and followed up with me was very helpful. He helped to make the process easy for me. He was always helpful and available to answer any and all of my questions. This has helped to make this process easy for me.

Michelle ** was great, I enjoyed talking to her! She made this whole process very easy for me and funny despite the fact that I’m in debt. Great customer service! I wish more people had this outlook on life.

A very professional & thorough experience. Perfectly handled and a pleasure to complete. A+++ experience. The agent was polite, patient and authoritative. Highly recommended. All reported reviews of a positive experience are confirmed. Great job! From start to finish a wonderful experience all around.

Everyone I have spoken to at NDR has been polite, courteous and very understanding. Every representative has gone out of their way to make sure we understood the process and took time to answer our questions with patience. The road that led us to NDR was filled with trials and tribulations, they never judged.

When I first contacted NDR I was very pleased by the respect and attentiveness that was shown to me by Agent Micheal **. He spoke very clear, made it easy to understand how the process went and made sure I was well informed. Proof of that is that when I was contacted for my welcome call I knew exactly what I was getting into and how the process would go, I had no issues with NDR procedure and everything was handled promptly and efficiently. NDR gives me the confidence that I will be debt free very soon. Thank you for your help. It is greatly appreciated.

Tangela and associates went above and beyond to thoroughly explain the program; she lost her voice and the gentleman that helped finish my application was also excellent. I was very impressed with the customer service and knowledge she was able to provide. I looked at other options and was very impressed with National Debt Relief. Thank you.

I have just completed my enrollment in the program and I feel I have made the right choice with National Debt Relief. The people I spoke with were very professional and reassured me that I made the right decision for my future. I Just wish I did it sooner.

National Debt Relief told me that Discover’s the hardest person to deal with so I thought they would have dealt with that first. But they waited until I got a summons from a sheriff. When I sent the summons to them, on top of the fees, I had to pay lawyer fees. But if they had done that first, I wouldn’t have had to pay lawyer fees. So now I’m actually paying more that what I owed. I'm also looking at my statements and it seems like I’m not saving any money and all the extra money that I’m supposedly saving is going towards their fees. I have a letter here for Chase saying I owe them $785.37 and that they’ll settle it for $196.71. If I fax or scan this and send it to National Debt Relief but they won't do anything with it because I have nothing left in my account since they’re taking their fees before they would settle this.

My mother and I were living together but then she died and I was in rehab for my amputation. I said a little prayer when I figured out and realized I couldn’t pay all of my loans off. I got online and the first thing I saw was National Debt Relief so I figured it was God’s way of putting me towards them. With them, I’m paying in a little bit. The payment's good which allows me to buy groceries. And then, they’re trying to lower my amount and get it paid off for me. I’ve already got one closed and another one will close next month.

I was going to file for bankruptcy then I saw really good reviews about National Debt Relief online. It seemed that they helped a lot of people and they locked it to anything in particular. I used a different debt company when I was younger and I totally got screwed by them that I couldn’t pay all my bills. On the other hand, National Debt Relief was super helpful and gave me a bit more of breathability and financially. They even got me to a good point where I could start rebuilding everything. The enrollment was seamless that I just had a couple of phone conversations with them. I explained to them my financial situations while they explained to me how they could help me. I sent them all my paperwork.

I read the reviews on National Debt Relief and people had a good experience with them. I did too. They contacted my creditors and I got the lowest pay out that I could pay in. Then they contacted me if I agree with a settlement. They also worked out a good payment plan and so far, they have settled four out of eight creditors. Their service is costly but it's a two and a half year program and I got to pay the price. It's a good program and I'm working through it. I just saved $460 a month.

I wanted to get out of debt so I looked into National Debt Relief. So far, I'm fine with the process and my experience has been good.

I've been in debt for 10 years and it's hard for me to pay off my debt. I started with another company, and then I thought I'd look at the market and see who else is out there. I saw National Debt Relief and I called them up. They were more expensive than what I was trying to initially set up with but I thought that they were more legit. However, they have 25 percent of the initial amount of whatever each lender that you gave them to negotiate with and pay off. So, instead of me paying 100 percent of what my debt is, I'm paying 75. So, it's not like what they advertise that they're going to give a settlement of 50 percent. But they don't say that. What they do is they'll negotiate your settlement. And then, they tell me, "Okay, it's going to be this much." And you basically say okay, yes or no, and then you start making payment through them or your account. And they pay the creditors based on what you make as your monthly payment over an amount of time.

I was very happy with the speed and ease of resolution by which my first settlement was reached. I am very happy with the terms and feel that complying with the settlement is do-able for me. I also appreciate the way the NDR staff responded to my concerns about drawing down my bank account too much in order to keep my trust account funded. They proposed a workaround solution which is something I can live with. Very grateful. My debt is being resolved without bankruptcy.

When I called to inquire about NDR, the person was very kind and polite. He never rushed me and never lost his patience. He also didn't judge me and the amount of debt that I had acquired. So glad I called.

This has been one of the best experiences talking to a company. Both George ** and Frank ** were great, very helpful and it really felt like they wanted to help me with my situation. I would recommend National Debt Relief to anyone who needs help.

Charlie was excellent. I have to say he knows his information very well. He answer all my questions in a great fashionably manner. Stephanie was great too. They had great customer service skills. They provide the information accurately to my understanding. I enjoyed the experience. Thank You!

They were nice people that were patient, answered all the questions I had or may have not thought of, they explained everything to me where could understand it. Would definitely recommend them to friends. Made sure I understood every step of the way. Very pleased.

Great customer service, explained everything thoroughly, always asked if I understood everything, great rate and process throughout, very friendly and kind, made sure I got everything out of what was offered, low payments which were a feature, would recommend to others if they were ever in need of assistance.

National Debt Relief did a good job in helping me manage my bills and relieving my debt. They're persistent and they call you a lot. They want you to pay off your stuff, which is a good thing. I wish they would have worked with me more on the payment. I was paying close to $400 a month and it was kind of high for me and I tried talking to them about lowering my payments, but then they told me that they couldn't. I also had to call them a while back because the account that they were taking money out of was no good. And they would tell me that I have to call back. I would call back and then again, they'd tell me to call back on a different day. But other than that, I had a good experience.

NDR has done an outstanding job of handling my accounts and settling my debts with creditors. They recently settled my first debt since joining and saved me over 50% on the outstanding balance. One down, a few more to go to have the financial freedom I have been looking for.

This program was recommended highly so I took advantage of the reviews. Very happy with the professionalism of the staff that helped me. They helped me to feel positive about the choices I had made to help get me debt free in less than 24 months! I would highly recommend them.

Sam ** was very helpful. I had a lot of questions, and was very apprehensive about going through with this, but she helped to put me more at ease. This is a very big decision for a person... not an easy situation to be in. It's stressful and very weighted. I'm hoping this works out for the best.

2 thumbs up... Both representatives were extra helpful in getting me approved. They both were well knowledgeable about the information. They both were very articulate in their explaining the process. I would definitely recommend your company. I was more than satisfied.

National Debt Relief was recommended to me and I called them. Explained everything thoroughly in terms I could understand & answered all questions. Felt good after to speaking with representative. Walked me through the process - was pretty easy. Very pleased.

The agents were very articulate and informative as well as very courteous. Thank you for the detailed explanations of your program. Your agents have inspired my confidence in your program. I look forward to paying off my debt quickly.

Excellent customer service. Personable, knowledgeable, and courteous. Sarah was very detailed and made sure I was clear on every step before moving on. I wish I were not in the situation that I am, but it is good to know there are programs out there to help.

Everything was super easy to understand and the people were nice. From my experience so far with National Debt Relief, I'd recommend them to a friend. I like how they walked me through all the legal documents and signing into my account. I'm excited to get started!

Very thorough of explaining and answering questions. Staff was very helpful. I am a busy mom and do not have time to be on the phone long and they answered my questions quick and to the best of their ability.

It was helpful.. and good customer service. All questions are answered and very accommodating. It was told to me briefly and was all explained regarding all my concerns. They gave me the assurance that I will be debt free for 48 mos.

So far everyone I have spoken with has been very helpful and patient. My only request would be that they slow down the speed at which they are speaking. I know that they must have to repeat the information they are giving out but for the client is somewhat overwhelming. Also I would check your contact phone number message as when I tried to call even when I made sure I was within the eastern time frame hours kept telling me to call back during business hours.

I was hopeless but then I found National Debt Relief. I didn't feel judged and received the help I truly needed. I'm so thankful for this program and already feel less stressed about my families financial future. Thanks for all of your help!

All the the NDR associates have been more than friendly and helpful. They explained all the intricacies of the the Loan Consolidating process and delivered information in a wonderfully understandable way. All of my questions were answered so that I was able to understand my choices and move forward with the process in an informed manner.

This process was a hard decisions to make. No one wants to not be able to pay their obligations but National Debt has been very supportive. It was something I had to do instead of NOT paying my creditors at all.

Excellent. We appreciate the time they took to be sure we both understood the process. And they answered all of my questions with patience and to the best possible way they could. Thank you so much. Superb customer service professionals!

Very clear and concise, the Welcome Call was helpful in providing information I may need in the future and truly made me feel as though I have a team behind my back in these stressful times. I now understand the positive reviews I have read on the internet regarding the customer service provided by National Debt Relief.

Orion ** was so helpful in getting me enrolled. I have been very impressed with his help and the help of the customer service rep who assisted me with my welcome call. I apologize for not remembering his name but he was pleasant and helpful.

The process of getting started and set up was extremely easy and the customer service is top notch! They helped me get to a payment I felt comfortable with and I am on my way to being debt free. I'm so glad that I decided to give them a call. They just make it simple!

Isaiah was very helpful and informative. There was no judgement based on the financial situation or reason for needing assistance. Offered his help at any time which is comforting. The welcome call to follow was very descriptive and easy to understand. Will definitely recommend to friends.

Johnny ** and Oz ** made this experience so much better than I had hoped. Please call them. They will answer any questions and they're confident in their business. If you feel like you need help, definitely reach out, they are not sales people. They genuinely want you to succeed in reaching your financial goals. Thanks again!

I have had nothing but good experiences with talking with the staff from National Debt Relief. Everyone I spoke to were very thorough in reviewing and going over everything with me. Thank you for helping me in this next step to recovering from debt.

Overall happy with NDR paying off my debt. They keep you informed with what is going on and very helpful when unable to make a payment. They make sure they keep you up to date with your account at all times. They pay things off really fast.

Very helpful and patient answering questions about the program. Made the experience as pleasant as possible. I liked the different choices of communication and the explanations for using them. I liked the fact they were endorsed by the Better Business Bureau which gave me more confidence in their program.

I have only been with NDR for a month and a half already a settlement, good communication preferred getting offer thru email. Feel a little more comfortable with decision choosing NDR to handle my Debt relief after financial downfall overwhelmed me.

I like the new email notification of offers to settle. They're very clear and very convenient. It saves time a miss calls to have to call back to have to discuss the deal. It definitely took my experience with NDR up a notch.

My initial consultant was John **. What I liked, and was important to me, was that he was very patient and thorough with his explanations. Your persistence is admirable. I was skeptical at first and still nervous about the whole process. I will feel so much better when I see my numbers shrink. Until then I am happy I made the effort and first step to become debt free!

When I started this process I was very worried about how I was going to pay my bills, but after talking to representative I was calm by time I had signed up for program. Christopher had me feeling more in control of my finances. I would recommend this to my friends. Thanks for help.

We did not qualify for a debt consolidation and read some reviews about National Debt Relief so we went with them because of the amount of debt we had and the decrease in our income. I didn't go through the whole program, unfortunately. I thought they would take care of all of our creditors. But a couple of our creditors decided that they did not want to work with National Debt Relief. And then, they filed a judgment against us. The bummer thing was that they're not attorneys, so when I got sued, there's nothing really a lot they can do about it. So, we really didn't have a whole lot of choice but to do something else. We did not finish the program through them but I wish it would have worked out. They worked hard but we paid them a lot of money that could have gone to all the judgments and bankruptcy.

I wanted to get rid of all my bills completely and pay all of them in just one spot. National Debt Relief has been helping me out and it's been good. I just talked to them during the enrollment and that process didn't take long. My rep's cool too. She's outgoing, more talkative and ready to work with somebody. They send me a statement every month and I check it out. They take out the payment twice a month which is helping out. They split it out from my surplus checks that I get for twice a week. The settlement is good too. They keep me posted and I keep them posted. When there's a settlement, they text me or send me an email then they call me. Everything has been pretty good for me and I'd recommend National. So far, working with them has released all the stress that I've had, paying my debts one by one each time. Before, each month was stressful. But with National, they get some money and they send it towards whatever bill is getting paid for.

I saw National Debt Relief on TV and called them two or three days after. I’ve seen and heard about other companies but for some reason, my gut was telling me that National Debt Relief is the one I need to use so that’s the one I went with. NDR helped me with debt consolidation. I just started this February and they said it’s going to take 20 something months but we’ve been doing good so far. In fact, I’ve already closed out three or four accounts. I’ve been so pleased with NDR from the time I’ve made that phone call up until this present moment. What they told me fits right into my budget because when I was doing that on my own, the amount was coming up to more than that. I’m very happy that I went with NDR, and so far, I’ve been pleased with the outcome. They keep me abreast of everything they do and the folks that I’ve been speaking to so far were really good. I feel so much relieved and I’m not stressing anymore.

I'd looked at all the reviews at the Better Business Bureau and National Debt Relief seemed to be the most efficient. Plus, they've been around for a while and they seemed reputable. There wasn't a lot of hoops to jump through with them. I told them what our needs were and they were able to accommodate quickly. I thought it was going to be more of a painful process than it really was. They're in it to make money as well and I get that or they wouldn't be in business. That had me a little bit reluctant and I always have a hard time with salespeople. But their rep was really good and he was able to answer all my questions. I wasn't quite at ease, but that's because nobody really wants to have to use a debt relief place anyway. It's a last resort thing for us.

My company was sold at the end of September and then, I got another job. But, I ended up with a job where I'm making half of what I was originally making. So, I wasn't making my payments. I was barely keeping the house and I was also responsible for my son and his daughter because he had a stroke. Now, I'm not working at all and I'm having trouble collecting an employment. And so, I called National Debt Relief because I couldn't keep up.

Handled everything quickly and professionally. I would definitely recommend to a friend or family member that is having issues with debt due to their expertise in the matter. Joel ** was very helpful throughout the entire process. Thank you very much.

I was oriented and enrolled by Charles **. He was very polite and well mannered and really took upon himself to clarify each of my doubts and explain the program. Also he was very empathetic with my situation as a hurricane survivor in P.R.

National Debt Relief had the best reviews. The enrollment process was easy. I asked questions and they answered them and made it painless. Their reps are easy to talk to and knowledgeable about what they're talking about. They call me up every now and again whenever they came back from a creditor with an offer. They do their part and we've successfully completed three out of seven accounts. The program has helped me get rid of about 50% of my debt, and we're on a downhill stretch now. It has given me some room to live and not be completely broke all the time because before, I hardly had money to eat on. Setting up the payment plan has been good. I've had some issues came up and they’ve worked with me through those. They’ve been helpful through the whole deal.

I was nervous about making this decision but they made me feel better and motivated to get my debt down fast so I can move on with my life. I'm excited to start this process and close the door on my past.

I moved to another state and placed all my expenses on credit cards. My new rent was so expensive, I could not keep up with everything and was slowly drowning in debt. One night I stumbled upon National Debt Relief and immediately punched in my info to receive a call. I was so afraid and embarrassed to speak to anyone, so for a while I just ignored the call. One day I finally worked up the courage to answer, I was so glad that I finally did. The representative, I think her name was Ivory, was amazing. I will never forget how comfortable she made me feel during the whole setup process. I’m still not done, but so far this service has been amazing. I really do appreciate everything NDR has done for me so far in such a short amount of time.

Everyone I’ve talked to so far in the process has been 100% honest and upfront with me. Not once have I felt like I was being led around or judged. I’m ready to start this journey with NDR and couldn’t feel more secure and ready.

Very professional. Once there is a settlement they use all means to get a hold of you to give you the information. I am satisfied with my experience I am having while dealing with my debt!! Great Organization. I would recommend this organization to anyone.

I had some unexpected personal things come up that I wasn’t able to get above. I started with National Debt Relief in February and it was a little time-consuming to get the paperwork and such together during the enrollment, but it was otherwise a fairly easy process and the person that I worked with was fantastic. I was impressed with my rep's willingness just to listen and to try to help me the best that he could. We did the payment plan over the phone and he has been right on with what we've started with. Being with National has relieved a lot of stress and they’ve already settled three of my debts so far. I have been very happy.

My wife and I had too much debt that we’re trying to pay but the interest piled up on us. I’ve seen an ad about National Debt Relief and tried them out. We've been with them for almost seven or eight months now and they’ve done a really wonderful job. I called them and they called me back. I went over what bills I had and how much debt I think I had. They pulled a credit report. They’d like to know exactly how much I owed and based on my income, how much I could afford to pay at a certain point. The last one they’re negotiating for us, we opted to increase how much we’re paying so that we could pay that off quicker. My wife kept track of most of everything online and we got texted for updates. They kept us pretty well-informed. They’ve kept the creditors at bay and it’s better than filing bankruptcy. They’ve been handling everything pretty good. Overall, they’re doing a good job. I’ve recommended them to plenty of people.

I was behind on a whole mess of credit cards. I researched National Debt Relief and confirmed that they are a legitimate company instead of all those fly-by-night operations. I called them and gave them my situation. They went through each account and they came back and gave me a monthly payment amount that would start bringing those balances down. My rep was straightforward and was pretty good. I signed up for their settlement program and my balances have slowly crept down. I started a year and a half ago and I hear from their customer support almost every time in negotiating one of my cards down. They call me when the balances go down to check in and let me know. I also have access to their website portal where I can go in and personally see those balances coming down in real time which is pretty significant. I'm happy with National and I fully recommend them.