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National Debt Relief Reviews

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About National Debt Relief

National Debt Relief is one of the largest debt settlement companies in the U.S. Founded in 2009, National Debt Relief negotiates with creditors to reduce how much you owe on unsecured debts such as credit cards, personal loans, medical bills, private student loans and collections. It offers personalized plans to help you resolve debt, along with support from dedicated debt specialists.

Pros
  • Free consultation with debt coach
  • Free debt relief quote
  • Numerous accreditations
  • FProfessional and responsive customer support
  • Easy enrollment process
Cons
  • Fees can reduce overall savings
  • Not available in all states

National Debt Relief Reviews

Over 50k reviews since 2016

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    How do I know I can trust these reviews about National Debt Relief?
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    Page 259 Reviews 51235 - 51435
    Verified purchase
    Staff

    Reviewed Aug. 15, 2017

    I have only been with National Debt Relief for a few months. The people I have dealt with at the company have been helpful and patient. I have already had one of my debts settled with a significant balance reduction with the payoff. I would definitely recommend National Debt Relief.

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    Reviewed Aug. 15, 2017

    Overall, my experience has so far been good. But I will like to have a monthly update ON my situation. Not based on my monthly balance alone but also if there are any progress with any of my creditors. Thank you.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I've been a NDR customer for few months now. They have been very helpful, very understanding and patient with me so far. I have only good things to say about this team! Excellent customer service and most of all they are getting me out of debt like they promised.

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    Reviewed Aug. 15, 2017

    Thus far I have had a positive experience with NDR. They have been working diligently to relieve me of my current debt. I'm about halfway to the completion of my scheduled forecast stress-free. Would definitely recommend their services to a friend.

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    Customer ServiceStaffTransparency

    Reviewed Aug. 15, 2017

    Was going to be almost a year and I've had no problems. They've communicated with me every situation every circumstance. Very good communicators through emails even a phone call so I'm very thankful to God for this program and I would recommend it to anybody and everybody.

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    Reviewed Aug. 15, 2017

    I am more than pleased with this company. They have helped me be able to pay off my outstanding credit card debt quickly so far. The offers continue to come in and my credit score has gone up almost 100 points in about 9 months. I couldn't be happier with my decision to use National Debt Relief!! Thank you all so much!

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    StaffProcessTransparency

    Reviewed Aug. 15, 2017

    I have had nothing but great service from these good people and would and do recommend them to my friends. They have helped my wife and I clear a good amount of debt with ease. They have made this a painless process and very, very easy to do work with.

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    StaffProcess

    Reviewed Aug. 15, 2017

    National Debt Relief has been easy to work with. They talked to the creditors on my behalf making the process less stressful. Anytime I have had questions, the representatives were easy to talk to and quick to put me at ease. I would recommend National Debt Relief to anyone having problems.

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    Staff

    Reviewed Aug. 15, 2017

    Great service from representative Vanessa **. So far all interaction with National Debt Relief seems great. Hopefully in the end my credit will be restored as I had

    Impeccable payment history with all creditors, but unforeseen situations steered me to debt relief.

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    Customer Service

    Reviewed Aug. 15, 2017

    Seems like it's going by pretty fast just the way I like it. I think I've paid off 3 so far and I just approved another a couple of days ago. And every time they have called or I've called them they have been very professional.

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    Staff

    Reviewed Aug. 15, 2017

    Following an accident last autumn, I was unable to work for months. I researched companies to find one that would truly assist me in resolving my credit card debt. National Debt Relief is helping, in an orderly manner, to gradually pay these off. I have received excellent help from the company and its staff with a realistic program.

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    Transparency

    Reviewed Aug. 15, 2017

    No action on my account has happen. When will I see any action with my debt. I am making all payments on time and want to start to see activity. I have faith on this company and hope I did not make a mistake with you. Please kept me up to date on any activity on my account.

    Updated on 10/19/17: I am very pleased with this company. They are working on my Debt. Am happy about the results so far. If I have any questions they explain it so I can understand. I would recommend this company to anyone that need help with any debt they have.

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    Reviewed Aug. 15, 2017

    I was needing my payment adjusted and inside of one day NDR was able to help me with that. It was very much appreciated. It was handled quickly and without any harsh words or resentment. A lot of times it isn't easy to have payment amounts changed so I am thankful for the promptness.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    Using National Debt Relief has been a very good experience for my family. In a few months we will be debt free! The service staff are helpful and easy to get a hold of. They always answer all our questions and make this process as easy as possible. I would recommend them to anyone!

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    StaffProcess

    Reviewed Aug. 15, 2017

    I am very grateful to the National Debt Relief and its team for all their support and professional help they provided to me in becoming a debt-free person. I couldn't believe that it will ever happen. Signing up for the program was one of the best decisions I've ever made. Thank you!

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    PriceStaff

    Reviewed Aug. 15, 2017

    Wonderful to work with. Always professional, and very helpful. Would recommend to anyone wanting to get out of debt. They work with you and your budget. They are non-intrusive and always work for your best interest. They help get your debt under control.

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    Transparency

    Reviewed Aug. 15, 2017

    I would like to have someone discuss a roadmap for paying off my debt. I have no idea what order or priorities my various debts have for being paid off and I believe I would have more confidence in the program if the program had some more transparency.

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    Reviewed Aug. 15, 2017

    So far National Debt relief has been great. I had so many credit cards and was paying the minimum for so long. I really had gotten myself into a Debt nightmare. I just felt like I was underwater. It was extremely stressful. I'm halfway to my goal of paying everything off. If I had not started working with National Debt Relief I would still be paying minimums and getting nowhere. You can't take out loans or get any credit cards while in the program so it is teaching me to have discipline and really think about anything I buy so that I know the Debt mess I was in will never happen again.

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    Staff

    Reviewed Aug. 15, 2017

    The service and the people have been great to work with so far, though I am in the first year of the relationship. The only thing I would say could improve was more clarification of the processes up front. I was not aware of how and when contact would be made to my creditors.

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    Staff

    Reviewed Aug. 15, 2017

    They have always been very helpful and always polite. Work well with people and the situation. Very friendly. Whenever I've had an issue they have been able to help with the answers. I would recommend them to anyone. They have kept me informed on all our settlements.

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    Reviewed Aug. 15, 2017

    Would definitely recommend National Debt Relief to a friend. They are excellent at communicating every step of the way. Funds are held in an account in my name. I get statements every month from the bank account. Online access is easy to use.

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    Verified purchase

    Reviewed Aug. 15, 2017

    National Debt Relief has negotiated my debts expeditiously and given me peace of mind. I would recommend them to others who find themselves overextended in credit card debt. Although many ways to go to become debt free, I truly appreciate the job they have done thus far in reducing my debts to creditors.

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    Customer ServiceStaffTransparency

    Reviewed Aug. 15, 2017

    They are professional, courteous, personable, attentive, interactive, very knowledgeable in their role as a customer service team. That's the word. National Debt has no "I" in their TEAM WORK, most of all human beings with no judgment! I've called to get updates or have questions answered with not 1 delay.

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    Reviewed Aug. 15, 2017

    I am happy that I am on the last year of payments. They have saved me thousands of dollars and prevented a bankruptcy. They hired an attorney at no additional charge to handle a creditor that wouldn't settle. I know they are a for profit company but they have done a great job. Never give up hope even if you miss a payment. Soon I will be debt free. Thanks.

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    Customer Service

    Reviewed Aug. 15, 2017

    We could have done it on our own but having NDR was amazing. We paid off 20,000 in debt in 6 months and it feels amazing to no longer be drowning. No more calls from debt collectors and we will be financially secure for life. Learning to live within your means is hard sometimes and people get into trouble. You will learn to manage your money and not buy that thing you really didn't need. Be smart. Be free. Live life without the stress of money problems.

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    Staff

    Reviewed Aug. 15, 2017

    The people at NDR have been very easy to work with. They are very kind and helpful. They seem to understand when life throws you a bunch of curveballs. I have had some problems keeping the funds there for my deposits. Every time they have been able to reschedule the drafts. I would recommend anyone who needs help with debts to consider NDR.

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    Staff

    Reviewed Aug. 15, 2017

    I'm not happy with their CSR. They are not trained to assist people. NDR should hire better personnel and train them focusing in customer services. EVEN THIS SITE IS THE WORSE. To leave information of bad experience is not allowed.

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    Staff

    Reviewed Aug. 15, 2017

    Great service, and support through this situation. Thanks to the support staff and team members. I would recommend this company to anyone looking to reduce the amount owed to creditors. Great service. I would like to thank the team for all their help.

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    Verified purchase

    Reviewed Aug. 15, 2017

    Thank you for everything that your company has done in getting me out of debt. The experience was wonderful. I still have someone on behalf of Citizens Bank continually trying to contact me. But other than that I haven't any problems. Thank you.

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    Price

    Reviewed Aug. 15, 2017

    National Debt Relief did successfully negotiate settlements with my creditors. However this caused each of them to continue to report to the 3 bureaus. Credit score dropped. But their intention is to get debt paid off which was successfully in the works. Advertisements state there is no out of pocket cost. There is a fee for this service.

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    Staff

    Reviewed Aug. 15, 2017

    I want to thank National Debt Relief for helping me and giving me another opportunity to be debt free And feel good about myself. Everyone was very professional and nice to me and eager to help. Again thanks so much.

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    StaffProcess

    Reviewed Aug. 15, 2017

    My experience with National Debt Relief was very good. The contact person stayed in touch and was very helpful in making sure I understood the process, the expense to me and the length of time it would take to get my creditors to hold off. Once the creditors knew I was being handled by the debt relief company, they stopped calling me as well. I was able to finally get some sleep once they took over.

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    Customer ServiceOnline & AppStaff

    Reviewed Aug. 15, 2017

    Whenever I call the representative is always very understanding and kind. I don't feel judged and it makes me feel safe enough that I can call again, which is huge for someone used to dealing with debt collectors. They are easy to work with and it's nice to see my debt go down on their gauges on the website.

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    Reviewed Aug. 15, 2017

    I have successfully settled three credit accounts in the past six months. The fact that my credit score has dropped significantly due to the nature of the program is the only thing that I wish could be avoided, however the relief from debt is worth it in the end.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I had a hassle-free positive working relationship and my debts were taken care of very efficiently and in the most professional manner. The customer service reps were always very nice, cordial and comfortable to deal with. I will definitely recommend National Debt Relief to anyone whole heartedly.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I have had no issues, they always are very polite and helpful when they call. I had to change something on my account. I thought it would be a problem. They helped me find a solution. Good people helping you with financial problems.

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    Staff

    Reviewed Aug. 15, 2017

    The enrollment process was so easy and everyone was so helpful and comforting. I never felt judged. I felt like they really cared about my financial situation and like a weight had been lifted off my shoulders. I finally feel like I am headed in the right direction!

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    Staff

    Reviewed Aug. 15, 2017

    Very pleasant, and information was great, I'm glad that I deal with National Debt Relief, they are helping me get out of debt. I would recommend them to all my family and friends that need help. Very thankful that I picked National Debt Relief.

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    StaffProcess

    Reviewed Aug. 15, 2017

    Mr ** was great handling and guiding me through the process. Letting me know whats going on. Been very smooth and a load off my back. Updates on account by text or email. Always on top of the whole process. Thank you.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    The program works as expected. However, the support I received while on the program was only adequate. Oftentimes my real question or issue was ignored and the response was just a predefined template that did not relate to my specific issue. The portal I would also describe as adequate. It does what it needs to but seems to be lacking. Not all upcoming deposits are shown. The lack of a knowledge base or self-service documentation requires you to open a service request for everything.

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    Reviewed Aug. 15, 2017

    Not able to account update or talk to anyone to help get this information! I just want a paper statements each month to make sure my accounts are being managed correctly and payments made as this company has in writing to the customers. I am not happy with their account management.

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    Reviewed Aug. 15, 2017

    I feel just sending a little text saying that working hard on account. Sometimes I think you're not working hard but, if I had text I would feel better. The ones you have done were great!!! You got in touch but then it seem to stop and I increased money.

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    PriceProcess

    Reviewed Aug. 15, 2017

    The program has already made 3 substantial deals to get settled quickly. It's saved me a lot of interest money and I appreciate it very much. I was in a state of humbleness trying to get everything caught up and could never do it.

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    Customer ServiceProcessTransparency

    Reviewed Aug. 15, 2017

    Experience would have been better with ongoing communication of progress. It is such a long process and all so automated that one begins to feel like there is no forward movement. It is impossible to see progress by using their computer program to track money.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    My wife and I were at our wits end trying to figure out how to deal with growing debts. I heard about NDR on a TV commercial and decided to call. These guys have done everything they promised to us. I couldn't imagine where we would right now without these guys. The people there are always a phone call away if we have questions. I can go online and keep up with what's going on with my account anytime I want to. We couldn't ask for anything better. Thank you National Debt Relief!!!

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    Staff

    Reviewed Aug. 15, 2017

    National Debt Service is superb, representatives are patient and helpful. I had a bank problem and they helped me over a period of time to get back on track. They are very professional and courteous and very understanding about any problems you might be having.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Spectacular customer service (they always promptly responded to my questions either through email or over the phone) and overall great experience. They help you every step of the way and make sure you are satisfied with your service. I would recommend their company to anybody suffering from crippling debt.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    My experience with National Debt Relief has been nothing short of amazing. Their customer service is 100% up to par. It's almost too good to be true except that it is. The best part is they take care of everything.

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    Process

    Reviewed Aug. 15, 2017

    I'm so happy that my husband and I have made this choice. We were barely able to make our monthly bills and couldn't pay down our debt. I'm glad that National Debt Relief has guided us and answered any questions throughout this process!

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    Reviewed Aug. 15, 2017

    I have been in this program almost a year and they are working with or completed payment to 9 out of 14 of my accounts. I would recommend National Debt Relief to anyone of my friends!! I also pay the little extra for legal help. I've been served with 2 summons that they completely helped me with.

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    Staff

    Reviewed Aug. 15, 2017

    The only reason I gave 5 stars is because of the young man that helped me out on today, August 15, 2017. Very disappointed that the ball was dropped somewhere and I wasn't notified. I have recommended National Debt Relief.

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    Process

    Reviewed Aug. 15, 2017

    Have contacted these people in the late October 2015. At that time, debts were taking every pennies that I was earning and my credit score started shaking. But 9 months later, I am glad I trust them because sometimes I wanted to quit the program since there is a period of 6 months. You just saving money on the account their open for you, and they will tell you not to worry on your debts even though you will see your credit score going down. But 6 months after, they settled all my cases and my credit score is increasing every month. My only suggestion for them will be to make sure they check on their clients. I have already recommended them to another person. Thanks.

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    ProcessTransparency

    Reviewed Aug. 15, 2017

    Calling National Debt Relief was the best thing that have ever happened. They explained to me the process and assured me that in the time frame that they have given me I will be relieve of my debt. I was skeptic at first. But they showed me results. They will even work around your budget to solve your problem. And they keep you updated on the progress of your case. In total they performed way beyond my expectations.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    I have been with National Debt Relief since April and have already settled 2 accounts. I do wish they would spread their payments to the end or in smaller increments to help move the process along. They already know the total amount that will be their "fee". I don't see why they cannot spread that over the X amount of years you are set up for the program. Other than that I am satisfied with the customer service every time I call.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    I got divorced in 2012. I quickly racked up $24,978 in credit card debt (some of it was from when my husband & I were together). Facing minimum monthly payments of over $800 with all of those cards combined (11 of them!), as a single mom, I had no idea what to do. So I started looking for debt relief companies and researched quite a few. National Debt Relief stood out to me because of their reviews and reputation. Joining the program was the best decision I ever made! Here I am three years later and all 11 of my creditors have been resolved. I have two months left of payments and then I will be 100% DEBT FREE. My monthly payments were only $440 (half of what I would have paid just to maintain my minimum payments with all those cards, with no end in sight).

    I am SO grateful to NDR and their program and professionalism. It took some time and patience and consistency, but they made it so easy! They took care of all the embarrassing and difficult negotiations with my creditors. It was out of sight, out of mind. And anytime I needed to call and ask questions or speak with someone about my account, I got a live human on the first try. If you're thinking about getting rid of your debt, choose National Debt Relief. NOW. They will lift your burden. Truly.

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    Reviewed Aug. 15, 2017

    This experience has been one of relief, in October of 2016 started me in a journey of hardships, but National Debt Relief has really come to my aid and gotten settlements that were more than fair. I am on my way to being debt free and I can't thank National Debt Relief enough. Thanks.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    I am very grateful on how much National Debt Relief has helped me. They are very helpful when I have called and always gimme good feedback. The process is also very assuring and I hope everything gets resolved like it has been lately.

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    Staff

    Reviewed Aug. 15, 2017

    You are really great getting back to me very quickly. Your team members are very efficient. Very happy with the settlement you made, what is the balance of my account, who are you contacting next. It's been great.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    They work with you with all your debt. They are great! I would recommend it to people that need help in paying. Their customer service is really good and there is not a long wait to speak to anyone. They are pretty quick too... try it! You won't regret it.

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    Customer Service

    Reviewed Aug. 15, 2017

    Very pleased with the service that I have received. Finances are extra stressful, and I have felt very calm when resolving my debt issues with this company! It was scary to call and ask for help, but I was assisted right away. Thank you National Debt Relief!!!

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    Reviewed Aug. 15, 2017

    So far I'm satisfied. But I still didn't settle any credit card. Hope that coming soon. I start program in April 2017. I’m looking forward to settle my credit cards in best ways for me. I already recommend this program with National Debt Relief to my friends.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    They are more concerned about paying themselves first instead of actually caring about the customer's situation and resolving the debt first. That also take forever to begin the process. To this day I still receive calls from collectors, as states they will put a stop to those harassing phone calls, that's a lie.

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    Customer Service

    Reviewed Aug. 15, 2017

    My experience with NDR has been great. They worked diligently with my creditors to get me debt free. I am satisfied with their customer service. They always kept me informed of any changes and followed up as well. I would definitely recommend NDR.

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    PriceProcessTransparency

    Reviewed Aug. 15, 2017

    I have been satisfied with my experience so far. I think the fees charged are excessive but I guess that is something you have to expect for this kind of service. Everything has been explained well though, and I have been kept very informed throughout the entire process, so I am please with that.

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    StaffProcess

    Reviewed Aug. 15, 2017

    So far so good. Early in program but the agent I talked to Micheal ** was very helpful and made me feel comfortable about the program. I wanted to do this a long time ago but was very scared to do it but Mr. ** made me relax by talking to me and taking the time to walk me thru it so I could better understand the process.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Two thumbs up! The customer service is great! No complaints here, they are always willing to help. It is easy to contact them and they go above and beyond to solve any issues. They are always available to give great customer service. I recommend them to anyone who needs their help!

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    Customer Service

    Reviewed Aug. 15, 2017

    They take care of you, and are very polite on the phone. There is always a quick answer on the phone. I'm glad that I chose Debt Relief to help my family get back on track with our finances. Thank you.

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    Process

    Reviewed Aug. 15, 2017

    I was very happy with my experience. National Debt Relief help me pay off on my credit card debt and other payday loans. I was very happy with the process. I will gladly recommend National Debt Relief to all my friends and family that gotten into the same trouble I did. Thank you for all your help.

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    James increased rating by 1 star.
    Customer Service
    After a positive interaction with National Debt Relief, James increased their star rating on March 15, 2018.

    Updated review: March 15, 2018

    Cards are being paid off at a good rate. NDR is complying to our agreement as promised. I would recommend NDR to anyone in trouble with credit card problems. Cards get paid off with a zero balance so you don't have bankruptcy. That is what I wanted. To get cards paid off without just not paying so in time my credit will be in good shape again.

    Original Review: Aug. 15, 2017

    Very disappointed that I am receiving multiple calls every day from creditors. I believe National Debt Relief should be handling more of this. You are making money on this. You should also be in contact with the creditors. I understood that this was how it worked. Big pain in the butt for me.

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    Reviewed Aug. 15, 2017

    Very good experience... Would recommend to friend. Am very satisfied with the handling of monies dispersed to creditors. At present time I have no complaints with this company... I am grateful to this company for their understanding and abilities to provide this service.

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    Staff

    Reviewed Aug. 15, 2017

    They are helpful whenever I have any questions regarding my account. Overall settlement process is taking a little longer than I thought but not having to worry about settling myself is definitely worth it...

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    Customer ServiceTransparency

    Reviewed Aug. 15, 2017

    The only time I receive a call is if I missed a payment. I have no idea how the settlement process is going because no one provides me with updates. I should at least be sent e-mails or something. I live a busy life and shouldn't have to go out of my way to find out how my negotiator is handling my situation. Additionally, I do not feel as though I was adequately informed of HOW low my credit score would drop upon entering this program. I don't qualify for ANYTHING now and probably won't for the next five years although this program is only scheduled to last two. I am overwhelmingly unsatisfied currently because I have no progress to gauge with.

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    Customer ServicePrice

    Reviewed Aug. 15, 2017

    I was sent an email that my withdrawals would be stopped due to a hardship. Then received notification that wasn't true, that it wouldn't be stopped until the next cycle. Unfortunate circumstances required me to stop payment through my bank and cost me $25 that I couldn't afford that week. I spoke to a representative and then his supervisor. She told me to forward the email because there was no record of it on your end. After trying, the inbox was full. At this point, I don't know what my account balance is and I'm unsure if I'll continue after my financial situation improves.

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    Customer Service

    Reviewed Aug. 15, 2017

    Nearly 4 months into the program and still being hounded with phone calls and threatening letters from the credit card companies. I have only seen two settlements and had hope to see more by now. Never been through this before so this may be the norm but I was lead to believe the phone calls and letters would stop soon after the credit card companies received the letters that were provided.

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    Customer Service

    Reviewed Aug. 15, 2017

    I have had good experience but haven't heard from them in a while. I know they moved headquarters though. I'm keeping track of my payments. If I get a small inheritance, I hope to pay it off next year, so will need to know my balance at that time. Thank you.

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    Reviewed Aug. 15, 2017

    I've had a good experience so far. It's moving slow but I guess it's because there isn't enough money to move faster. I haven't been able to add extra money to my monthly amount due to limited income but so far so good. I would definitely recommend this service.

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    Reviewed Aug. 15, 2017

    In the first place I thought they're going to pay my debts by lending me the money, but it wasn't, they're paying them from the money I paid to them. I was wrong. Anyway it's already there and need to finish my contract, hoping everything goes well.

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    Customer Service

    Reviewed Aug. 15, 2017

    I was very satisfied up until this last credit card. It's the last one then I'm finished with the program. I have over $500 in my account and the calls I made to find out when I am done I am getting no answers or satisfaction.

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    Reviewed Aug. 15, 2017

    I've recently started my journey with National Debt Relief. They've started settling my accounts and I've seen progress in just 6 months. I still have a few challenges but I'm looking forward to working with them to see how they can resolve my situation in its entirety.

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    Staff

    Reviewed Aug. 15, 2017

    Have very helpful friendly at all times. Very helpful in getting me relief from debt issues. I should have called National Debt Relief far sooner than I did. Very very helpful! It has made our lives much more relaxed and removed the fear of the creditors. National Debt does a VERY GREAT JOB.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    They walk you through the entire process step by step, friendly stuff, emails, phone calls, everything you need. They will call your credit cards and lower your actual debt and will call you as soon they reach a agreement and they will work with you in trying to pay in a decent time... Thank you guys.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Very helpful! Good customer service! Helped me out a lot! Answered all my questions I had. Very detailed. I would recommend to family and friends! Helped me get my financials back on track. Would do it again if need to.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I had credit card debt that was beyond what I could handle. National Debt Relief was of great assistance to me in solving my problem and were able to reduce my debt by working with the credit card companies. NDR employees were friendly, helpful, efficient and were just a phone call away. Yes, I would recommend their service.

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    Reviewed Aug. 15, 2017

    Wish they were more upfront on how badly credit score would drop, credit card accounts would go into collections and then they would negotiate with collection companies with Chase and Citi bank. All the money I put into account to settle goes out to pay creditors, I thought company would pay settlement with their $ quickly then recover said amount through my payments into this account. I am working with 4 credit card companies, two are in "negotiations," none have settled my credit. Went from 720ish to 590ish. Poor rating in a few months. If I knew this would be so bad I wouldn't have moved forward for only a 13k$ debt.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    NDR has alleviated the phone calls from the agencies I owe money to. My debt is declining as I make my monthly deposits. I am thankful for the help and advice the representatives provide. I would recommend the agency to my family and friends. Thank you!

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    Great experience with NDR. Very helpful and really has allowed me to have a practical plan for getting out of debt. Great communication and always respectful when I call and ask questions or contact the NDR customer support staff. Really better than expected, as I was initially skeptical of the program. Very pleased and relieved of stress associated with my debt problems.

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    Reviewed Aug. 15, 2017

    Was I scared... Was I embarrassed... Was I ashamed... Yes yes & yes. But all I feel right now is "relief". NDR... has been the best thing I could have ever done. Three of my debts are already being settled and I'm not tossing and turning at night. Thank you is all I can say!!!

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    I had a okay credit score before joining. The phone calls all day and night is just more I could stand. This part of the process was not exactly what I had thought it was going to be. My score is now in the toilet. It really don't make you feel good.

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    Customer ServiceTransparency

    Reviewed Aug. 15, 2017

    I love the awesome service and expediting process and timely communication in getting my bills paid! I would recommend this awesome company to all. Communication is superb. They do an outstanding job at reducing your debt and negotiating the best deal possible.

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    Staff

    Reviewed Aug. 15, 2017

    This service has really helped me in a time of great need, couldn't say I would use any other service to help me. I went on for weeks trying to find the right people who knew what they were doing and after searching I finally found Debt Relief to help me, thank you.

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    Staff

    Reviewed Aug. 15, 2017

    They have been working hard getting my debt reduced and paid off. They are doing a great job. I would highly recommend them to anyone who is trying to get their debt under control and paid off so you can start working on your credit. They keep you informed when you need to be, they do not hound you every day.

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    Staff

    Reviewed Aug. 15, 2017

    So far I have been happy with the service and the timely responses by the staff, they are always very courteous and thorough. They have effectively negotiated with 2 of the creditors at this time, the amount agreed to was way beyond what I had expected.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    Just started process and happy so far. 3 payments in so far, long way to go but I am hoping this will work out for me. Not many call from creditors, I did what they told me to do and it seems to have worked. I really want to put this behind me but it will take time.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Great Customer Service!!! Thank you for all your help Erika!! You were great with answering all my questions and getting me the help I needed, I have recommended NDR to my family and friends who need help like this. Thank you again for all you have done!

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    Process

    Reviewed Aug. 15, 2017

    National Debt Relief has made it possible for my family and I to strive for a better future. They have made the debt relief process easier than I could have imagined. I was very hesitant at first but they answered all my questions right away. I have been in the program for almost a year and the financial burden I put myself into is about half way over and honestly it's a relief. I have recommended this company to everyone I know. Thank you National Debt Relief for helping my family plan for a better future for our kids.

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    Customer Service

    Reviewed Aug. 15, 2017

    Their automated system when calling me is horrible! When I answer the call it's a dead line and when it does work it takes forever to get to talk to a real person and they act like they don't know why they called. Also they request more money every time you talk to them. If I have the extra money I would have already given it to them. They took forever to start the negotiating with creditors which completely ruined my credit!

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    It's been almost 2 months since I enrolled in the program, and I don't see any progress or any settlements reached. No one has contacted me to give me an update of any negotiations. I keep getting calls from my credit cards, which I understand, but I thought NDR was going to do a faster job.

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    Reviewed Aug. 15, 2017

    I have not yet seen any action from National Debt Relief with regard to my account. It appears none of the institutions have yet been contacted. I had thought that some conversations with these institutions would have commenced and were ongoing.

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    ProcessTransparency

    Reviewed Aug. 15, 2017

    I have an issue with NDR at this time because, I don't understand why they are now (when I'm almost clear of my obligations to creditors) slowing down the process. In the beginning they were calling often to settle but now they have given me this excuse.

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    Customer Service

    Reviewed Aug. 15, 2017

    The procedure set-up for solving debts is appreciated and reasonable. There is need for creditors to be notified sooner so that incoming calls from them become minimal. Creditors try to negotiate with me without going through a debt consolidation program.

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    StaffProcess

    Reviewed Aug. 15, 2017

    Just started with National Debt Relief. They have been very courteous, thoughtful and knowledgeable. I had many questions about the process and they have always been very patient and kind in answering these questions. Also, they are easy to get in contact. GREAT.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    The customer service representatives have been very kind and courteous. Most of my questions are answered pretty quickly. They are currently helping me become debt free, my first debt was settled in six months, so it does take time, but be patient.

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    Staff

    Reviewed Aug. 15, 2017

    Very professional and friendly. Very easy to work with. Service was excellent. Payments were taken out on time. As well as recorded and easily checked. Settlements were great and it felt great to get out of debt in 48 months.

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    Customer Service

    Reviewed Aug. 15, 2017

    Though nobody ever expects to end up in financial hardship, my experience with National Debt Relief made the experience of getting out of debt a bit easier. All my phone conversations were easy to follow and were polite. If needed, I definitely would recommend this program.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    Nobody likes to have to seek services like debt consolidation, but this team has made this a very smooth and comfortable process. Anytime I have a question the customer service team has been more than willing to assist with a friendly demeanor and superb knowledge. Never once have I felt out of the loop during the entire process. I have been provided with great peace of mind working with them.

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    Customer Service

    Reviewed Aug. 15, 2017

    I ask them to add another company a month ago and still have not heard from them. I noticed on my account, it has not been added. Other than that, I guess it's okay. They sent a message stating one company excepted the deal they offered. So that's why I say so far so good.

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    John increased rating by 1 star.
    Staff
    After a positive interaction with National Debt Relief, John increased their star rating.

    Reviewed Aug. 15, 2017

    Very helpful with helping me to pay off my debt. National Debt Relief has been able to reduce the amounts that I owe on each of my credit cards and work out payment schedules with the creditors to quickly pay off the cards. I would also recommend paying the extra few dollars per month for the legal services they offer. It comes in handy if any of the creditors decide they want to take you to court.

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    Customer Service

    Reviewed Aug. 15, 2017

    Great service, a little bit slow at Negotiating but other than that no problems. Love and very please with the service I received. Every time I called they were very polite and professional and took care of me quickly. I didn't even need to call back. The question was answered right the first time.

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    Reviewed Aug. 15, 2017

    I really like that when had a legal issue with a credit card, they reassured me and just took care of it. I felt so much better. It was a small law suit regarding the terms of my agreement with Citibank. I was very worried. I thought that was amazing!

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    Reviewed Aug. 15, 2017

    I have not received any other emails. They keep calling me. American Express is really upset and I receive at least 3 offers from law firms and Debt companies every day telling me they can help me. Don't know what to do.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    Starting this process was not an easy decision, because I knew it would initially affect my credit score. I'm glad I did commit to this process, it has alleviated a lot of stress from my life. Once I changed the contact information for my creditors to contact National Debt Relief, The harassing phone calls from the creditors stopped.

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    Price

    Reviewed Aug. 15, 2017

    I have been with National Debt Relief for about seven months. I am satisfied with the negotiations of my accounts so far. However, I am not so satisfied with the fees they charge. So far, they have deducted from my account more money in their fees than they've paid my creditors. I am not sure I'm going to be saving any money by doing this. It seems the amount I'm saving by settling the accounts is going to National Debt Relief and I'll end up paying what I owed anyway, and destroying my credit in the process. They seem to be working on my accounts and I am grateful for that. I'm all for everyone making a buck, but I think their fees are too high.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    My experience with National Debt Relief thus far has been quite pleasant. I can tell the customer service representatives strive to display patience and empathy during this stressful period and to provide excellent service. Being able to look ahead and see an end date to my debt is invaluable!

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    Reviewed Aug. 15, 2017

    My wife lost her job in February and it took her much longer to find a full time employment. We got behind on our credit card bills and thanks to NDR for helping us find an alternative to bankruptcy. We've been very happy with their assistance. Life is getting back to normal once again. I don't think I could of said that without NDR.

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    Transparency

    Reviewed Aug. 15, 2017

    Good to work with, but they do not follow up on their online service requests in a timely manner. They did help me clear my debt very quickly by getting a loan from Liberty Lending, which I am just waiting to see (and praying) if it was worth it.

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    StaffProcess

    Reviewed Aug. 15, 2017

    Financial issues can be scary, but National Debt Relief came to the rescue for me! Initially, I was hesitant to join, but the representative I spoke to put me at ease and worked with me to find a plan that would be best for me. Since then, every other representative I've spoken to has been wonderful... Very knowledgeable, helpful, and encouraging! I highly recommend NDR to anyone who is struggling to get out of debt. I've been in the program for almost a year and a half and I've been able to rid myself of nearly 50% of my debt! I can't thank you guys enough!

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    Staff

    Reviewed Aug. 15, 2017

    I would recommend National Debt Relief. I had a great experience with them. They helped me a lot and got me out of debt. The team members were very friendly and very helpful. When ever I needed to ask them a question they helped me. So yes I would recommend them to anybody that needs them for help.

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    Process

    Reviewed Aug. 15, 2017

    National Debt Relief helped me make a once a month payment for my credit cards and since I graduated from their program I'm able to maintain the amount due. Eventually I can be completely debt free... I thank National Debt Relief for their guidance in this process.

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    Customer Service

    Reviewed Aug. 15, 2017

    When my debt was over my neck I was about to go crazy. Just wondering how I have debt so high that out of nowhere it sky rocket. Thankfully I search in Google and there it is National Debt Relief to the rescue. After I talk to the customer service, few minutes after they find me a great deal to solve my problem. Here I am debt free in 3 years compare to 10 to 15 years of paying the interest.

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    Reviewed Aug. 15, 2017

    National Debt Relief has helped me tremendously. If it wasn't for them, I will not be close to my goal of being debt free. 10 years will now only be 3 years of paying off my credit card. Thank you for all that you do and for helping my financial status.

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    Customer ServicePrice

    Reviewed Aug. 15, 2017

    I expected them to be too good to be true and they kind of are. They promise no hidden fees and you will never be charged more than the monthly 9.95 service fee but I've been charged a ton of transaction fees that I have no idea what they are for. They won't discuss anything over email and overall I just feel like their customer service is lacking and they aren't what they say they are.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    I am so excited about National Debt Relief. They always keep me informed of any changes that has come about with the program. They are always willing to help me if I have any questions and if I'm not on my game they call me or email me and let me know.

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    Customer ServiceProcess

    Reviewed Aug. 15, 2017

    I'm on my 3rd month now with the program and I'm still at 0% progress made. So maybe it will get better soon but as of now I'm still wondering how this is gonna turn out. Getting a lot of calls from creditors saying they have no recollection of the debt management program I'm in. So hopefully time will heal what I'm trying to do. Fingers crossed.

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    Customer Service

    Reviewed Aug. 15, 2017

    I signed up for NDR in May of this year, 2017. At this point, my debts have not been settled. NDR has been very cooperative with answering all my questions and concerns. The few times I have submitted request for service, I have received a satisfactory reply.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    We are FINALLY seeing our debt getting paid off because of NDR!!! They have been super helpful every step of the way!! Every time we call, the man or woman we speak to very friendly and understanding of our situation. I'm so happy my husband and I decided to go with this program.

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    Staff

    Reviewed Aug. 15, 2017

    These people are knowledgeable, fair and understanding. They made everything easy and were always available. I can't believe that all my debts are now paid, and how they were able to negotiate to lower my balances. I highly recommend them!

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    Reviewed Aug. 15, 2017

    I am very annoyed. I have been in the program 5 months and there hasn't been any negotiation with my creditors. I repeatedly check on my account status and have seen no action taken. I am ready to cancel the program and work directly with the banks to resolve the issue rather than let this company continue to sit idle.

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    Reviewed Aug. 15, 2017

    I finally got all my credit cards paid off. When I was younger I got into some tough times financially and tried using my credit cards to get out. Now it's like I have a fresh start and more money in my pocket each month. It's like I can finally breathe again.

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    Staff

    Reviewed Aug. 15, 2017

    I am still fairly new in my experience with National Debt Relief; however, I have found all of my contacts to be very helpful, genuine and concern for my situation. Even though I do not have very much in my account yet I have heard from my creditors that contact has been paid. So far, I am very please with all of your help.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Debt and finance are very private and personal. I was struggling post divorce and National Debt relief was recommended by a friend who'd used them many years before. From the first phone call to the last, every communication was friendly, stress free and all of their employees were helpful with every question that I had. With their help, I made it through a year sooner than I'd expected to. I would recommend them to anyone that found themselves in a similar position.

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    Customer Service

    Reviewed Aug. 15, 2017

    I have had an overall positive experience. All of my cards have been settled except one. I am however anxiously waiting the final card to settle. If I could have this last card settled as quickly as the first I would be 100% positive. As it is I am 75% positive. Customer service is always helpful though.

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    Customer Service

    Reviewed Aug. 15, 2017

    I've been with them about a year and a half with over 24,000 dollars in debt. So far they have paid out my biggest account but I have yet to see it fall off my credit. Sure it won't be too much longer. They always great on the phone and have helped me so much.

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    Customer ServiceTransparency

    Reviewed Aug. 15, 2017

    Very clear explanations and willing to take the time needed to answer questions. Everything was covered and the emails matched up well with the conversation. I am relieved that something is finally being done about my debt. I also like the fact that they have a reputation for successfully negotiating with these creditors.

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    Reviewed Aug. 15, 2017

    We have only made one transaction as of yet, but at this point the company has been more than helpful in making sure I understand each step, and I have told friends and family about my experience and will continue to do so throughout my experience.

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    Customer Service

    Reviewed Aug. 15, 2017

    Customer service is excellent and whenever there's any issue or question with my account, it is handled pleasantly and professionally. I would highly recommend this service to friends without any reservation. I am also impressed with how quickly phone calls are answered and how quickly my account is accessed.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I have just started my debt relief program. The staff are helpful and knowledgeable. I look forward to completing this program with success. When I had questions, I was able to call for information. I was given help immediately. I feel comfort in knowing that this agency is there to help me.

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    Customer ServiceTransparency

    Reviewed Aug. 15, 2017

    Overall, I'm happy with the help I got. What I didn't like was the fine print everywhere that was never explained and even when I asked questions to make sure I understand, they would never respond in writing for me to reference.

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    Customer ServiceStaffTransparency

    Reviewed Aug. 15, 2017

    I really appreciated the help and the service I received the first few years but it was all done through the phone. Now they have a portal to see your account but I did not get one until December. When all I had was phone, one of the operators told me I was done with payments in like May but when I called to close account they told me I still owed like 3,000. I guess it was what I owed them not the creditor.

    I was upset because I was not planning on these payments. After a long phone call they worked with me to come up with a plan (they are good working with you). They emailed me the plan so I thought I was done in August. Then I got my access to the portal and it showed I had a payment in September. Once again their communication failed me. I guess their plans can only go out so many months is what they told me when I called about this. Service good - Communication terrible.

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    StaffProcess

    Reviewed Aug. 15, 2017

    Never thought I'd ever use a debt relief program in my life. I reached out to them finally for help. They have been amazing with no questions asked just willingness to help. I have a few debts and 1st one settled was insane at how low it was.

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    Staff

    Reviewed Aug. 15, 2017

    National Debt Relief has stepped between us and our creditors to provide a workable plan to reduce and eliminate our debt. Their personnel have exhibited compassion, while at the same time remained professional and accurate in our behalf. We would recommend them to anyone truly seeking to become debt free.

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    Process

    Reviewed Aug. 15, 2017

    I was out with a knee replacement and not able to work and I was able to lower my payment with no problem. I am now back to work and I can make payments that were scheduled to make. I would recommend this program to another person, I did recommend this program to my daughter and I have not been rewarded yet. Please show me something to confirm this, it has been over 90 days.

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    Customer ServiceStaffTransparency

    Reviewed Aug. 15, 2017

    I have been very pleased with the effort they have made to help take the stress out of working with credit card companies. And, the friendliness of workers to answer any questions I have had and take the time to explain things to me until I understand.

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    Staff

    Reviewed Aug. 15, 2017

    This is a honest trustworthy group of professionals who have guided me to settle my debts. They assisted me in making the most conscious decisions about what Debt to settle first. I would recommend them to anyone who is serious about becoming debt free.

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    PriceStaff

    Reviewed Aug. 15, 2017

    I have had a relatively good experience with NDR. The people I speak to are always nice. The rates they charge are way too high. I don't like paying into the plan for months and then they take $700 or $500 out all at one time. It feels like I'm taking 2 steps forward and then 1 step back.

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    Customer ServiceStaffTransparency

    Reviewed Aug. 15, 2017

    So far it has been a very positive experience. Everything seems to be honest and upfront. When settlement has been reached makes me feel better one down. Communication seems to be documented very well from person to person so you don't have to explain everything again. The employees that I have dealt with seem to be very friendly and concerned with my request.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Everyone I have ever spoke with at National Debt Relief has been super friendly and helpful. They are very supportive and understanding about your financial situation. Me and my husband have been trying to buy a new home for some time now and thanks to National Debt Relief that's gonna happen a lot sooner than we thought. If you need financial help this is the place to get it. You can call them anytime and they will answer any questions you have. Thank you National Debt Relief!

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    Customer ServicePrice

    Reviewed Aug. 15, 2017

    They do a great job but it takes very long to settle the debt but once they are on it they will settle for a great price and the customer service is terrific. I would definitely recommend this for everyone I know.

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    Reviewed Aug. 15, 2017

    Super great business! They have worked with me amazingly and have made sure to get me the best settlement deals! I am very grateful for such a great company who truly cares about their consumers! I would recommend this company to anyone in need of debt relief services.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    Customer service representative answer all my questions and very friendly. I feel at ease every time after each call. Every time I call with a question or concern, they are always eager to help! Thanks National Debt Relief for always being there for me!

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    Process

    Reviewed Aug. 15, 2017

    My wife and I committed, stuck to the plan and graduated the program. It was scary for us at first but it was obvious we were dealing with professionals. We put our trust in their plan and it saved us a substantial amount of money. It was a pleasure to work with NDR and I would recommend to a family member.

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    Staff

    Reviewed Aug. 15, 2017

    During one of the maelstroms that life threw my way, I found myself in a tough spot. Working two jobs, raising two children while maintaining a home and other assets proved to be more overwhelming than I could have possibly imagined. Restless nights wondering how I could get out of debt were finally answered. I lucked upon NDR and they have helped me to slowly but surely get out of this conundrum. Since I started the program, it has been much easier to maintain a semblance of normalcy with my finances while still providing for my two young children. At the end of the day, they are what matter to me most and I thank NDR for helping me with that. Very cordial, respectful and they stick to their guns to do the best for you. No complaints. I have already recommended their services to others who are also facing dire challenges.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    My initial consult with National Debt Relief was a relief. The representative was kind and understanding and nonjudgmental. When I received the paperwork and had questions I was sent an email response within 24 hours. They were easy to work with and very professional. Thank you Debt Relief for giving me my life back.

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    Process

    Reviewed Aug. 15, 2017

    I entered the program and thought they were there to help, but I had nothing but hassle and had 2 of my accounts go to court because they refused to pay the creditor. My situation was change because my mother in law died and we were able to pay the full amount off immediately and National Debt took 4 to 5 months to do and finally I had to contact a lawyer to pay the bill of myself and request the money back. It was the most stressful situation ever. I would never recommend them to anyone.

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    Reviewed Aug. 15, 2017

    As of right now, no results have taken place. I am waiting to have some of my bills to be cut in half. Also, I am a little worry about my bills being 120 days being past due. I have never been in this situation before, when will National let me know when my bill money that I sent in, will be used.

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    Process

    Reviewed Aug. 15, 2017

    I have had a pretty great experience. I always get the help I need from the company. They are willing to work with you to make sure you're on track. I have had a few set backs since I have been in the program and I have always been reassured that the company will work me.

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    Staff

    Reviewed Aug. 15, 2017

    Everyone was very knowledgeable and helpful. I truly appreciate how professional everyone has been and available everyone was. Thank you very much! This was incredibly easy! Way easier than I thought it would be.

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    Process

    Reviewed Aug. 15, 2017

    It has been a few months and I have not settled one account yet. But rest assure my credit rating has been taking the hit nearly everyday. I'm not sure if I made the right choice at the moment on all of this. If this continues I will more than likely leave the program.

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    Customer Service

    Reviewed Aug. 15, 2017

    So far so good, none of my debts have been settled as of yet. I had to put a hold on depositing monies into my account because of a financial setback, but whenever I call there everyone I speak with is so nice and helpful.

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    Only a few months into the program, working with NDR was easy and fast. I am still waiting to hear what the settlement is. I can only reply as to what my experience is and was so far. The people I have worked with, were understanding, quick to reply back and helpful. Can't wait to see what settlement is.

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    Price

    Reviewed Aug. 15, 2017

    I appreciate your help in reducing the high interest rates on the debts I'm paying. With the reduced rates, I am able to pay my debts faster and get out of debt. Thanks for your assistance. It made me sad to be behind on debt payments, but I knew the companies were taking advantage of me when I realized their interest rates were two or three times the standard rates.

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    Transparency

    Reviewed Aug. 15, 2017

    I spoke to National Debt Relief. They walked me through the procedure & paperwork. They were able to get the creditor to stop calling. After about one and a half years they see I am on time with the payments so they put me in touch with a loan company. I am getting a loan so my life is stable, one payment every month. Thank you National Debt Relief.

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    Customer Service

    Reviewed Aug. 15, 2017

    So they haven't actually updated me on any progress. But they keep sending me emails to rate my experience. Basically I've been giving them $500 a month for 5 months and haven't heard anything from them since I signed up.

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    Process

    Reviewed Aug. 15, 2017

    Although the process has been slow, the company is getting the job done. Only one of my accounts have made a settlement in 3 months. But hopefully the other bad accounts will be taken care of soon. The company has been in touch with me every week and keeps me updated on everything.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    So far, only two months in, I have had a great experience working with National Debt Relief. The customer service has been exceptional and the financial advisors are very thorough and walk you through the entire process. They are upfront about timeframe and they work with creating a plan/budget which you can afford.

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    Customer Service

    Reviewed Aug. 15, 2017

    I am new to this so there is not much for me to say. Except that Synchrony Bank is a royal pain. All other creditors have only sent emails. They however are relentless. I called in to let NDR know but was told I had to wait it out. Send me another once this has been resolved. I am starting to consider bankruptcy due to Synchrony Bank's harassment.

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    Customer Service

    Reviewed Aug. 15, 2017

    Non-judgmental experience right from the beginning. A huge weight was lifted off my shoulders after signing up. Knowing that they will be there to work with my creditors and stop the threatening phone calls will take a lot of my stress away.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I suppose I was expecting a more immediate impact when signing on with National Debt Relief. Although I have been paying into my newly opened account for 3 months now, I feel as though there has been no interaction between National Debt Relief and the two debtors that I have turned over to them. I have called a couple of times, and have been assured that they would be contacted after I am past due by 60 days.

    I guess I expected some sort of confirmation that some communication has taken place, and that there is a recognition by the debtor that I am attempting to make things right. But I have heard nothing other than confirmation of the money being taken from my account each month, but I see nothing applied toward either debtor. Perhaps I have misunderstood how this works... would I be better off working directly with the companies I owe money to? My credit score keeps getting worse.

    UPDATED ON 01/06/2018: I received a call from a customer service rep who informed me that National had received a settlement offer from one of the banks that I was seeking to settle with. Prior to that time, I received an email message from National telling me of this offer, and outlining the payment plan. The only question I had was how was this payment plan going to affect my regular deposit to my National Account, as I couldn't see how I could pay both. What I got out of the conversation with him (finally) was that I would see no change in my deposit, and that this settlement payment would go on behind the scenes, so I wouldn't even notice it.

    The problem was that he didn't seem to understand what I was asking, and had difficulty answering my questions. To the extent that I had to "read between the lines" and answer my own question based on the bits and pieces of information he was giving me. When I thought I had it figured out, I told him what I thought he was trying to tell me, and asked him if that was correct. Which he acknowledged. I didn't ask him the other question that I had, because I was afraid of confusing him.

    My other question is that when I have finished paying this settlement agreement off, which will be in May 2019, how will my deposit amount change? I will still have one other creditor that will need to be negotiated with, and I'm not sure how the deposits to that entity will be affected by the payment of the first settlement. I'm hoping to be able to reduce the deposit amount at the time that I settle with the first creditor to take some of the stress off of our budget.

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    Reviewed Aug. 15, 2017

    Just make sure ALL of your debt is listed when you start, the monthly fee offered for services is reflected off how much debt is included and mine was not all included at first so the monthly fee I was offered went up $200 off the bat! However, they are quick, responsive and have reduced a LOT of debt for me making this a very easy process.

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    Reviewed Aug. 15, 2017

    National Debt Relief has been helpful, taken a ton of stress off my plate, and helped me get back on track with my finances. They care about what I can afford, and will give me warnings if I have to miss a payment, but I know they want me to succeed.

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    Staff

    Reviewed Aug. 15, 2017

    Great service. I did recommend my friend. Thank you so much. You're the number one company for a reason. I can't thank you enough. Great service from everyone. You delivered as promised. I am almost out of debt. Thank you.

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    Staff

    Reviewed Aug. 15, 2017

    When I had over extended myself financially they were able to help me get back on track. I would recommend highly. Everyone is very helpful and easy to talk to. They handle my accounts professionally and quickly. Now that I am on the right track I have a better feeling about my financial health.

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    Customer ServiceOnline & AppTransparency

    Reviewed Aug. 15, 2017

    Things are going well so far, I am pleased with the communication and the results NDR is getting for me. The website is easy to navigate. When I reached by a collector and I refer them to NDR, I typically do not hear back from the collector which has been huge relief.

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    Reviewed Aug. 15, 2017

    Well I was hesitate about turning my debt over but it has been ok. They were helpful when I needed to reduce my payments. My payments are comfortable with my budget now but they go back up next month. I'm tired of a couple of companies constantly calling. I'll be glad when that is over. Credit score has already dropped almost 300 points in 3 months. Waiting to see what happens.

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    Reviewed Aug. 15, 2017

    My account is currently in the early stages of progress and has not begun the negotiating process with my creditors but so far but everyone has been so helpful thus far. I just began my debt relief program in May of this year. I am anxious to see how much money/interest the National Debt Relief team will save me.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    From the initial phone call inquiry through the latest creditor resolution I have been very happy and impressed with the courteous and professional response from those the NDR. This was a difficult decision to make and the staff were compassionate and caring about my debt situation. I have a ways to go but I am optimistic and thankful to have NDR deal with my creditors. I would most definitely recommend to others.

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    Customer Service

    Reviewed Aug. 15, 2017

    They haven't done anything yet as far as my debt goes, so I really don't have a review yet. I am sure once my debt goes down and I stop getting phone calls, I will have a good review to write.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    I'm so far very satisfied with NDR and the way they are processing my case. When talking with the employees NDR are very sincere and kind. They are always willing to answer any questions I may have or direct me to where I can find the answers. They are very patience when it comes to providing great customer service.

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    Staff

    Reviewed Aug. 15, 2017

    Thank You for helping me in every way! You people have helped me so much, even deduced my monthly payments, I'm on a fixed income, Thank you again. I have 2 credit card debt, one is being taken care of, then you will work on the other one.

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    Staff

    Reviewed Aug. 15, 2017

    I reached out for help to eliminate the debt that I had collected after a time of hardship. When searching for help I came across National Debt Relief and I am definitely glad I did. So far I have resolved several of my creditors and I am now focused on resolving on last creditor. The assistance they provide is phenomenal and I would recommend anyone who needs help to National Debt Relief.

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    StaffProcess

    Reviewed Aug. 15, 2017

    The people at National Debt Relief have been nothing but kind and understanding. They are pretty flexible as long as you talk to them. The program is wonderful too. I never thought I would be where I am today. It's all because of awesome program and people of national debt relief. Thank you!

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    Reviewed Aug. 15, 2017

    I think this is a great way to get out of debt and be relieved of debt. I certainly would recommend this to other who would like to relieve themselves debt free. I thank all who helped me in getting me out of debt and to be free of debt and to breathe a sigh of relief.

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    Process

    Reviewed Aug. 15, 2017

    My experience with National Debt over the past 38 months has been nothing but positive. They have to date fulfilled every claim that they made when I began working with them. What seemed to be a hopeless situation when I began the program has turned into a very positive outcome. My life is no longer consumed with worry about how I would ever get out of debt. I would highly recommend them to anyone with the same concerns.

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    Reviewed Aug. 15, 2017

    So far not too impressed. Six months in and only one account settled. Seems like they are more concerned about collecting their own fees than removing accounts. As they get their fees my negative accounts continue to increase in amounts.

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    StaffProcess

    Reviewed Aug. 15, 2017

    Awesome experience. Helpful and knowledgeable, can't wait to be debt free again! And I didn't have to worry about dealing with nasty debt collectors or negotiating lower balances which is the most stressful part of the entire process! Can't wait to see my credit score go up!

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    ProcessTransparency

    Reviewed Aug. 15, 2017

    Thanks to National Debt Relief I am overcoming a transition in my life where I needed a lot of help. The process was clear and guided me along a plan that was manageable with my income. National Debt Relief was able to help me continue my life without worrying how I can manage or clear my debt.

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    Reviewed Aug. 15, 2017

    Without the teams at National Debt Relief, my husband and I wouldn't be able to pay our bills, between our son's birth, his jaundice treatment at just a week old (we even had insurance, and we still were being charged $20000 past what the insurance would even cover totally), and all our credit card debt that began to pile up after my husband unfortunately lost his job, we just couldn't pay for everything each month. From $2500 a month to $350! Thank you National Debt Relief for making my life a little easier! You guys even settled with all the companies for me, so I didn't have to try to fight them myself! I'd recommend it to anyone who needs the assistance!

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    Customer ServiceStaffProcess

    Reviewed Aug. 15, 2017

    I've just begun the process with National Debt Relief but I've been pleased with my experience so far. I began to receive phone calls and emails from creditors and was very nervous but a wonderful customer service person was very helpful; she assured me that what I was experiencing was normal, she gave me tips on how to handle the situation and I got off the phone feeling much better.

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    Staff

    Reviewed Aug. 15, 2017

    I had made mistakes with my credit, I needed help and once I had enough courage to contact NDR, my world began to change for the better. Everyone I spoke with was very helpful and understanding. It's scary and embarrassing to admit you need credit help. But I am forever grateful to NDR. Slow and steady progress but slowly working my way out of this debt. Recommend to anyone!

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    Process

    Reviewed Aug. 15, 2017

    I'm coming into the last 9 months of my program and am starting to see the light at the end of the tunnel. I was not aware of the entire process when I signed up and was extremely disappointed to see my good credit tank, otherwise good standing accounts go into collections and getting threatening letters talking about putting liens on our house. I also had to file paperwork with the courts which is something I despise. If I was aware of the negative impacts this program created I would of chosen a different company to help me with my debt. That being said I did save a lot of money, and will be completely out of debt in far less time than I would of otherwise. Ultimately I am pleased with my experience, and I know in a matter in a year or 2 my credit will be back on track.

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    Reviewed Aug. 15, 2017

    4 years ago, my family was running away from a debt nightmare and we were losing the race. I started searching for options and enrolled into the program at National Debt Relief. This wasn't a joy ride by any stretch of the imagination, however, I was after the results and they produced the results. Today we are debt free and the weight of the world is off our shoulders. If you are making minimum payments on your debt and barely able to make ends meet, the next 2-4 years are going to pass regardless if you do anything or not. Get responsible, punch the day in its face and make a decision to do something about your future. National Debt Relief will help you achieve that. Thank you so much for helping me and my family over the past 4 years to achieve this relief. You all rock!!!

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    Reviewed Aug. 15, 2017

    I have had a very good experience with this Company. They do what they say they will do. They deal with each outstanding debt and arrange for a payment to them that is much less than the original user debt. If I were to ask for a change it would be to make the monthly payments to them about 10% lower and extend the duration a little longer. Also, a monthly progress E- mail would be appreciated. THANKS.

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    PriceProcess

    Reviewed Aug. 15, 2017

    I was surprised when actually in the program how inflexible the program actually is. It was way more expensive than I expected too. If I weren't already enrolled I would withdraw from the program but you already have so much of my money.

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    Reviewed Aug. 15, 2017

    NDR has been a lifesaver for me! I am now debt free and able to focus on my financial health! If you are trying to come out from underneath debt, they are the one for you! I don't know what I would've done without them. I now have financial freedom!

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    Reviewed Aug. 15, 2017

    I thought I was never going to get out of debt until I did my research and came across NDR!! I'm so happy I took the chance and signed up! Within about 2 years I will be completely debt free!! Thank you National Debt Relief!!!

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    StaffProcessTransparency

    Reviewed Aug. 15, 2017

    The gentleman who HELPED me through this process was Andrew. He was AMAZING!! Explained all the aspects of this process. Even though I might of asked the same questions more than once, he had such compassion for me. I was scared. He is by far a gentleman with the utmost knowledge of NDR. My sincerest thanks to him and this company. I can finally sleep peacefully.

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    Price

    Reviewed Aug. 15, 2017

    They charge way too much for settling your debt. If a credit card company forgives you 50% National Debt Relief charges 23% fee so you're only saving 27% and you have to claim the 50% that's forgiven as income. Not right! Not saving much at all.

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    Process

    Reviewed Aug. 15, 2017

    National Debt Relief has changed our lives. We are just about finished with our program and almost 100% debt free. Working with NDR has relieved so much stress for us, we can't even begin to describe. It was easily one of the best decisions we've made as a married couple. I would highly recommend using them.

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    Customer ServiceStaff

    Reviewed Aug. 15, 2017

    The reps have always been very helpful when I call for assistance with my account and any issues I have with creditors contacting me. I have had a good experience so far with trying to settle my debts and get back on track with my life. I would recommend NDR.

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    Cynthia increased rating by 4 stars.
    Customer Service
    After a positive interaction with National Debt Relief, Cynthia increased their star rating on Nov. 29, 2017.

    Updated review: Nov. 29, 2017

    National Debt Relief is working on my behalf with creditors to relieve me of all the stress. I thank them from taking the burden off a me. No matter who I speak with they are always very knowledgeable. If anyone would ask me to recommend someone to help them get out of debt I would surely give them the number to National Debt Relief.

    Original Review: Aug. 15, 2017

    I have not heard from National Debt Relief to see what they have done yet. I still have everyone I owe still calling me. So if the debt relief program is working on my behalf to settle are agree to a settlement I have not seen it work yet.

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    Process

    Reviewed Aug. 15, 2017

    This process has been good so far. I appreciate the efforts taken by NDR to help me become debt free. I am happy that my first settlement has been agreed upon and the steps I was initially told about are coming to fruition. I will continue to do my part as I know NDR will do theirs. I am satisfied so far with the process and results. I hope this continues in a positive manner. Thank you.

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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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