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National Debt Relief Reviews

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Edited by: Amanda Futrell
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Fact-checked by: Jon Bortin

About National Debt Relief

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

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

National Debt Relief Reviews

Over 50k reviews since 2016

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    3 featured reviews

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    Page 293 Reviews 43575 - 43725
    Verified purchase
    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    Great customer service. They do exactly what they agree and really seem to care about you as a client. Definitely would recommend this company to anyone that finds themselves in any hardship situation as I did. Bad situations happen to good people sometimes and this is the best way out of debt.

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    ProcessTransparency

    Reviewed Dec. 27, 2017

    Was quick to get started. As far as starting the program everyone I talked to made it easy now to see results. Paul was great he explained everything well and made the whole process easy to begin. Hopefully everything said will happen and I can begin to build my credit again.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    They are very helpful. they listen and make suggestions and also may sure before you get off the phone you are ok. you always get your call answer in minutes and direct to right person to help you. I would recommend them to everyone to take advantage of it to build their credit.

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    StaffProcessTransparency

    Reviewed Dec. 27, 2017

    I was able to reach Manwa, who was very compassionate and understanding of my situation. She explained the program thoroughly and walked me thru every step. I am forever grateful to her as she put a smile back on my face - I had been crying.

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    Verified purchase

    Reviewed Dec. 27, 2017

    I was very nervous about doing this. This company made me feel at ease and answers all questions with such knowledge. They get back to you promptly and make you feel like you're not a failure. I would definitely recommend this company to anyone struggling to pay their bills.

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    Process

    Reviewed Dec. 27, 2017

    Great experience on all levels during this process. I was able to get the service that was needed to be become debt free sooner. The results with the payment amount and length of the term is wonderful. I will be credit card debt free much sooner than I ever expected.

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    Reviewed Dec. 27, 2017

    We have been extremely satisfied and would and have recommended National Debt Relief services to friends as well as co-workers. It is almost unbelievable the reduction they have negotiated for us compared to what was owed. Thank you from the bottom of our hearts.

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    Verified purchase

    Reviewed Dec. 27, 2017

    When I finally call National Debt Relief and talk with Mark the consultant he went step by step of the program that I qualify for. I thank God and him because now the stress, the worry, has been taken away. Thank you National Debt Relief. God bless you.

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    StaffProcessTransparency

    Reviewed Dec. 27, 2017

    I came to this company at a loss of what to do with all my debt and scared I was about to lose everything. My rep I spoke with talked to me in depth about the program and walked me step by step through all the processes. I have been more than happy with my representation. I recommend this company to help you as well.

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    StaffProcessTransparency

    Reviewed Dec. 27, 2017

    I was very happy with the experience with each person that I spoke to. They were very knowledgeable about the program that I enrolled in. They were helpful when asked to repeat something or explain something again. I am glad to be on the right path to being debt free.

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    Customer Service

    Reviewed Dec. 27, 2017

    It took 4 months to finally get one creditor to agree to a settlement. No communication from NDR from the day I enrolled until then. Would be nice to get at least a canned e-mail stating that it can take up to 4 months. Otherwise, I am please with the first settlement.

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    Staff

    Reviewed Dec. 27, 2017

    All parties were helpful and professional. As a new customer I hope that NDR will be able to help me. This is the first time using a Debt program and have had worries about using programs like this knowing my credit score would go down. I hope that the program is what I'm hoping for.

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    Verified purchase

    Reviewed Dec. 27, 2017

    They told me that as soon as I had enough money in my Global account they will start working with my credit card accounts to settle them and they have. They already have resolved 4 accounts. They made me happy for Christmas. And I am starting 2018 less stressed about my debt. Thank you.

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    Customer Service

    Reviewed Dec. 27, 2017

    I am thankful for the work that your company has done to resolve two of my large debts. However, I am still receiving phone calls at work from other collectors. The calls come weeks after I changed all of my contact information to National Debt Relief. Do you have any suggestions on addressing this situation?

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    Staff

    Reviewed Dec. 27, 2017

    Received great support. It's very easy to do business with most helpful when I was having a problem. Very helpful taking care of my problems. I look forward to doing business with this great company again. I feel like I'm making progress.

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    Verified purchase

    Reviewed Dec. 27, 2017

    My experience with National Debt Relief has been amazing! After just a month, they were able to settle two of my debts. I was with another firm that did absolutely nothing after 15 months. I lost almost three thousand dollars as a result. Give National Debt a chance to handle your accounts.

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    Staff

    Reviewed Dec. 27, 2017

    They are amazing and I am so happy to be joining your company to help consolidate my credit so I can start fresh and new!!! I hope to be able to make a new start and not be stuck under creditors so that when I get married and decide to have a family I’ll be debt free!!!

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    StaffProcess

    Reviewed Dec. 27, 2017

    I admire all the representatives of “National Debt Relief” with the way they handle their customers efficiently. The great effort that they put in to assure me the debts are processed in a timely manner - is remarkable. They are always available when I need help or whatever questions I may have, I am assured I will receive the answers immediately. I will definitely recommend “National Debt Relief” to my friends and other people needed solutions to their debts.

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    Verified purchase

    Reviewed Dec. 27, 2017

    It is a little frustrating to have to field offers to accelerate a repayment when already so tightly budgeted. I agreed because I needed the savings, and overall I’m very happy with the program and service received. I just didn’t expect a need for supplemental payments in the first 6 mos.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    Very caring staff, and extremely helpful! Before I called I felt like I was drowning but now I have a way out! Would highly recommend to family and friends!! I have very happy I found out about this great help!

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    So far I have got the very best service. Everyone been so nice and helpful. Thanks for all your hard work and wonderful help to help me get out debt. Seem be caring people. Everyone talk to take their time to help you. Everyone take time answer All my questions.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 27, 2017

    I am satisfied with my enrollment representatives and I would definitely recommend this program to any of my friends and family. All of the staff explained every detail to me so that I understood everything. They explained to me if I have any questions or concerns, "Please call."

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    Customer Service

    Reviewed Dec. 27, 2017

    I didn't have any trouble with the National Debt Relief company when I called for information. It was quite easy and they answered all my questions to my satisfaction. I answered all their questions and they had me signed up with I approved what they were offering. It was quite easy and painless.

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    StaffTransparency

    Reviewed Dec. 27, 2017

    Very helpful. Very understanding. Useful information. Very friendly. Everything went smoothly. At first I am still a little nervous but they help me and walked through everything like I asked. And so far there are not any worries.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    The gentleman that took my call and helped with my application was kind, patient and supportive. He didn't make me feel bad for putting myself in this financial predicament. It's the first time I've felt at ease and actually felt stress go from my shoulders. The young lady was also very professional and kind.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    I am trying to repair my credit and the reps I spoke with were very helpful in answering my questions. My monthly fee is very reasonable. I wish I would have called a long time ago. I am recommending this company to others in my situation.

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    Staff

    Reviewed Dec. 27, 2017

    Excellent service and very involved in actually caring. It's a humiliating experience do this, but knowing that in a little over 3 years, I will be out of debt and on the way to getting my life back together.. I know people who are in need of this service and will recommend.

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    StaffProcess

    Reviewed Dec. 27, 2017

    I received professional and prompt service in the enrollment into the program. Both individuals who assisted me through the process were highly professional, passionate in the program and took the time to assist me in every way possible. Definitely recommended to anyone in need!

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    My experience with National Debt Relief has been great. I was schedule to complete my debt release within (3) years, I was done few months ahead of schedule. Customer service was very friendly and helpful whenever I had questions and concerns. I recommend National Debt Relief to anyone who needs help cleaning up their debt.

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    Customer Service

    Reviewed Dec. 27, 2017

    It was more than expected. I must say I’m Completely satisfied with them so far. I hope I can refer some other people NDR. Thanks guys. When I was browsing I was trying to find some company that is trustworthy and fulfill my needs. I looked at the ratings and feel like I should call them. But it was beyond my expectation that helped me out right away as soon as I made the call. Bravo guys bravo.

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    Staff

    Reviewed Dec. 27, 2017

    I was nervous at first to try NDR but would recommend to anyone in debt. They keep in contact with me regularly and fight for the lowest debt resolve possible. They are excellent. Thank you for the continued support and guidance.

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    Staff

    Reviewed Dec. 27, 2017

    National Debt Relief allowed me to focus on what's more important and what I needed to take care of with quality of life. I had a bit of more than I could chew.

    During enrolment, I was a little nervous about it but after everything calms down on my nerves, everything went pretty smooth. From what I've seen, for the three quarters of the year that I've been with them, it's been really great. My father just got done using them all and he had good experience as well.

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    Price

    Reviewed Dec. 27, 2017

    I have a big debt and somebody suggested for me to reach out to National Debt Relief. They were able to help me on a couple of accounts but there's a big one at CareCredit so I hope that they can do something about it, too. They are quite expensive but they've been very nice.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 27, 2017

    I wanted to get my debt resolved, help build my credit back up, but still try to be able to save some money. I researched National Debt Relief and got them for debt consolidation. At first I was really worried, but I went through consumer reporting and found that it was not a scam. The enrollment process was easy. They called me and I gave them all the information. After I got things set up, I wasn’t getting into my account, so NDR helped me do that and handled everything. The reps explained the process and the settlement amount and they're very knowledgeable, not pushy. Plus, they don’t do anything unless I agree on it. I haven’t had to worry about anything except to agree or disagree on the settlement.

    I had a little hiccup in the beginning because we agreed for them to take out in two payments on the 2nd and the 16th of every month and they missed that. I'm so structured and budgeted trying to get debt-free that it cost me to go into overdraft a couple of times. I had to call them and say that I was trying to get away from debt and not incur more. It was their fault and they immediately got it fixed. I started in August and I'm already debt-free on two out of six credit cards, so I'm very pleased. Everything is taken care of and I wholeheartedly believe in them now. The program is well worth it and I'm recommending them to people.

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    Customer ServicePriceStaffTransparency

    Reviewed Dec. 27, 2017

    I was trying to combine all of my credit card bills and make one lump sum to get them paid off and went with National Debt Relief for the things they could do compared to the other companies. The enrollment process was really easy. I did the majority of it online, they called me back immediately and it all went from there. The first representative whom I spoke to was really nice and they explained things well but every time I call in, I get somebody different. But NDR has helped because my bills are not increasing interest to make my bill and my monthly payments even higher. Also, they've started settling debts and hopefully, I can get everything paid off in a couple of months or years and start fresh.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    National Debt Relief is really helpful and friendly. They hear my concern and they work with me. They showed me what they were going to do and what their plan was. Each time they start with one creditor, they let me know. They just take up the money on the times when they’re supposed to take it. I started with them in October and my only concern is with this one creditor who called me and told me what National Debt Relief told them. I found out with them that the amount was too low for them to pay. National Debt Relief asked me to put this on my lease. We already talked about it and they know, so I don’t know if they wanted me to make a payment. I just told the creditor that I would inquire about it. I didn’t call them though, but after that, everything was okay. NDR is doing a good job.

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    PriceStaff

    Reviewed Dec. 27, 2017

    I was overwhelmed with so many small payments on so many different accounts. National Debt Relief taking it over and handling that part while we just pay them a lump every paycheck was what clinched it for us to use them. Plus, they have better reviews than another company. We knew that one way or another, it was going to cost us in the long run. This way, it's actually going to cost us less because of the amount that they're saving us on each account. In the long run, it's better.

    Enrolment was all done online to set up all of the account information. Then, we scanned several paper bills that we have been mailed for each account and sent it to them so they have proof that the credit company was looking for payments and that was it. They did negotiations with the different creditors to get them to bring the balance down before paying it off and they handled everything well. They were professional. We expected our credit scores to come down and mine has a little bit, but my husband’s has come up a very significant amount since we started working with them. National Debt Relief has been good for us. They’re worth a look.

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    Customer Service

    Reviewed Dec. 27, 2017

    National Debt Relief’s negotiator gave me all the information I needed. They got one of my cards paid off and there is two more. Everything has been going smooth but things went a little weird when one of my credit cards got moved to a debt collection agency and NDR wouldn’t work with them. So, I tried getting them both on the phone at the same time but NDR wouldn’t talk to them. I felt something was fishy and I’m going to find out in the end if NDR is worth it.

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    Customer ServiceStaff

    Reviewed Dec. 27, 2017

    I was in debt and NDR sounded the most reliable for debt consolidation. It's been around for a while and I saw some good reviews. I spoke with them a few times before I made the decision and they made me feel comfortable. The enrollment process was very involved and very detailed. It took a long time but they didn’t leave any of my questions unanswered. Most of the time, the reps have been very knowledgeable. However, I spoke with two different people and they didn’t get back to me on two occasions. It took a couple of weeks and I'm still in the process of resolving it. But the last person I spoke to finally gave me the answers that I needed and I'm hoping to get it resolved. Other than that, I didn’t feel like I was talking to a used car salesman.

    They also gave me several different payment options. They worked with me and we agreed on an amount that would be comfortable with me. NDR's service has been good. To give them five percent is totally worth it just to get this monkey off my back and not getting the bills in the mail. I also don't have to get these phone calls. National Debt Relief handles it all. I put in their information and the collector can get in touch with them. It's always pretty exciting when NDR calls me and tell me they've reached a settlement with another debtor. The only downside is you've got to be extremely patient and some of these debtors will try to keep calling you. They've negotiated and they've settled 30% of my debt. I'm happy so far and I would recommend NDR to a friend.

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    Customer ServicePriceStaffProcessTransparency

    Reviewed Dec. 27, 2017

    NDR had a clear path to debt relief. They were offering 24 to 48 months for that relief path and that appealed to me. It has worked great and I’m still with the program. So far, they’ve been able to resolve four creditors. I like the feedback and the simplicity of the website. I can go there with one click and check what’s happening. I also get feedback by email and if there is anything that I need to know, someone calls me and I really appreciate it. We have an open conversation when they call. They’re doing a great job. When they call me, they have a settlement already and we discuss it a bit and then approve or otherwise. Usually, they come up with the plan and they are great. The cost is delayed until everything has been paid off. I put money in the savings account and then they settle some accounts, and it keeps on going like that. National Debt Relief took care of my life. It’s a 5-star service and I’ll recommend it to anyone.

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    Process

    Reviewed Dec. 27, 2017

    I looked National Debt Relief up and I did some research on them, they appeared to be a good company. They negotiated some credit card debt for me and the enrollment process took about an hour. I faxed some papers back and forth and it was nothing too hard to do. I am about a fifth of the way through the program and they have settled two out of five of our debts so far. The payment plan that we have requested worked out good. I had no problems with them and any time we have had a question, they answered it. The program is going to save us some money, so I’m happy with that NDR is a very good company to work with.

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    Customer Service

    Reviewed Dec. 26, 2017

    Able to reach a very satisfactory resolution with one of my creditors. I was very satisfied with the quick resolution as well as the amount you were able to come up with. The process is Really easy and the customer service is excellent. I cannot wait to be offered my next resolution.

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    Staff

    Reviewed Dec. 26, 2017

    I made a lot of dumb choices when I was young with my ex fiance and I paid for everything and they have been such a help and relief in the 1 day that I've talked to them. I look forward to having a professional relationship to pay off my debts!

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    StaffProcess

    Reviewed Dec. 26, 2017

    I worked with Alex ** and assured everything was done correctly with ease. I doubted the process and wondered if I made the correct choice, I DID! I also spoke with Tatyana (?) in the welcome center and she too was great to work with.

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    StaffProcess

    Reviewed Dec. 26, 2017

    Extremely helpful and informative. Great customer focus, answered all my questions, very friendly and supportive. They took the time to make sure I understood everything that was happening. I am profoundly grateful for the help I have received in getting set up with this program. Thank you NDR. I would highly recommend NDR to everyone struggling with debt.

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    Customer ServiceStaff

    Reviewed Dec. 26, 2017

    The representatives that helped me answered my questions completely and were very professional and helpful. I hope the service is as good as their representatives. I found them helpful in walking me through everything and completed the paperwork easily with great communications both on phone and email.

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    StaffProcessTransparency

    Reviewed Dec. 26, 2017

    My representatives were extremely knowledgeable and very patient. They took the time to thoroughly explain each step of the process and make sure I have the tools in case I have future questions. They were very pleasant and helped me feel optimistic about everything going forward.

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    Staff

    Reviewed Dec. 26, 2017

    I am very pleased at receiving this proposed settlement. I had to reject the first offer, but the NDR agent's renegotiation produced a compromise which I could accept. The agent's second effort was much appreciated by me. By his renegotiation I was able to accept the offer and that gave me positive opinions of the NDR help getting out of this debt. Thank you.

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    Staff

    Reviewed Dec. 26, 2017

    I have had a wonderful experience with National Debt Relief! They offered me the best opportunity for me to get out of debt at a reasonable time frame! They dealt with all of my questions professionally and made this experience a lot less painful and stressful! What a wonderful group of people!

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    Process

    Reviewed Dec. 26, 2017

    Richi made this stressful time much easier and far more pleasant than I thought it could be. Big sigh of relief! I highly recommend National Debt Relief to anyone looking for help with debt. I was also surprised at how quick the process was and will be.

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    StaffProcess

    Reviewed Dec. 26, 2017

    Extremely Professional and easy to work with. Each person I spoke with was very helpful and answered every question I had about the process and what I might encounter along the way. Stress free. I feel like a huge weight has been lifted off my shoulders.

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    StaffProcess

    Reviewed Dec. 26, 2017

    Both agents answered all my questions very thoroughly and made the process an easy one. The first agent was very thoughtful in getting through everything before the holidays and made me feel at ease. Settling debt is a stressful and scary thing, but there was no shame or judgment in any of our conversations. I really appreciated that!

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    StaffProcess

    Reviewed Dec. 26, 2017

    Extremely helpful and informative. Really made what was a difficult transition and decision feel much easier. The person who helped me was patient in answering all of my questions. He also clearly spelled out how the program would work moving forward.

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    Customer ServiceStaff

    Reviewed Dec. 26, 2017

    I have been with National Debt Relief for 9 months now and they have been wonderful! They have been helpful each step of the way and I am closer to reaching my debt-free goal than I have ever been! Being able to change my address and phone number on all of my accounts, so they deal with the phone calls has been wonderful! I haven’t even had to deal with any of the harassing calls!

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    StaffProcess

    Reviewed Dec. 26, 2017

    Both people I spoke to were great about making sure I understood the process and am aware of everything involved. When I stopped them to ask questions, they respectfully listened to my questions and answered them with detail and confidence.

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    StaffProcess

    Reviewed Dec. 26, 2017

    Great customer focus, answered all my questions, very friendly and supportive. They took the time to make sure I understood everything that was happening, always stopped when I had a question and made sure I knew what was going on before they continued with the process.

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    Transparency

    Reviewed Dec. 26, 2017

    Although I just signed up for assistance my entire experience so far has been easy and comforting. I feel relief knowing that in as little as 3 years I will be debt free. Everything is explained to me and time is taken to make sure that I understand.

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    Staff

    Reviewed Dec. 26, 2017

    I would highly recommend NDR. The sign-up process was virtually painless, and the representative were friendly, compassionate, and wholly professional. I can see why NDR has an A+ rating from the Better Business Bureau. The disclosures were clearly covered and I wound up with all of my questions answered. Thank you.

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    Customer ServiceStaffTransparency

    Reviewed Dec. 26, 2017

    So far so good, Katalina was my welcome call specialist and she was very sweet and kind and explained to me how this process will work. I am very appreciate of how open everyone I've communicated with so far has been.

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    Reviewed Dec. 26, 2017

    Was very glad two accts. were taken care of in the timely manner you National Debt Relief said. Continue to do a well job. Thanks again. was worried at first since it was taken long for acct. to get results until I understood the process.

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    StaffProcess

    Reviewed Dec. 26, 2017

    I am profoundly grateful for the help I have received in getting set up with this program. The agent who assisted me was extremely kind and very informative. I know have a sense of hope about addressing my debt, and I can see this program serving as a successful way out of crushing debt.

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    StaffProcess

    Reviewed Dec. 26, 2017

    I felt Like my National Debt Relief assistant was very kind and nonjudgemental I’d my situation. Very helpful and provided me with the information to get control of my financial situation. I feel very confident that I will have success with this program!

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    Customer ServiceStaff

    Reviewed Dec. 26, 2017

    NDR has been great to work with. I would recommend them to anyone struggling with credit card debt. No hassles or phone calls from creditors. Customer service reps are friendly and knowledgeable. They've taken the burden of dealing with the credit card companies away.

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    StaffTransparency

    Reviewed Dec. 26, 2017

    Both representatives were extremely helpful, clear and thorough. I appreciate the peace of mind that my accounts are in good hands and that I have someone to contact if I have any questions. We will have to see what the results bring.

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    Reviewed Dec. 26, 2017

    So far so good. NDR has so far resolved 3 accounts for me. I thank God for this service and am looking forward to the day when I am completely debt free and all has been resolved. This company was recommended by a friend of mine who did it and is now the proud owner of her own home.

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    Customer ServiceStaff

    Reviewed Dec. 26, 2017

    The enrollment process was painless, the people polite, friendly and knowledgeable, willing to answer all my questions without hesitation. I would recommend to anyone trying to get out from under a growing mound of debt, not knowing where to turn for help.

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    Customer ServiceStaff

    Reviewed Dec. 26, 2017

    From the first call I received (Rob **), the service was and is outstanding. I am ecstatic for N.D.R. family HELP. I can't thank them enough; THANK YOU SO MUCH. NDR has given me the opportunity to take a long and hard look at how to better manage my credit card. THANK YOU again.

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    StaffProcess

    Reviewed Dec. 26, 2017

    Representative was very honest and thorough. I was not pressured into this program. I am going through a hardship and can only make minimum payments on my credit cards and loan accounts. I went on the internet and looked for an accredited company that can help me and they popped up. The reviews were great and I decided to go with them. I did not regret it.

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    StaffTransparency

    Reviewed Dec. 26, 2017

    Best decision I have made-in a long time. The moment I called to sign up I felt a ton of weight come right off my shoulders. Everyone at National Debt Relief took their time to explain everything to me in great detail. No pushing to sell their service!! Thank you everyone.

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    Reviewed Dec. 26, 2017

    National Debt Relief has been very helpful, and I'm thankful that our communication is good. We've been doing our credit card debt settlement with them for almost a year. They are doing a great job and it has eased our stress for our situation. Our negotiator has been very good. We make our payments twice a month, and we have it on the fifth and the twentieth of the month. And we negotiated with that because it's better for us to pay half-half on our monthly payment. I'm very happy.

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    Reviewed Dec. 26, 2017

    National Debt Relief is negotiating my debt and I’m paying one monthly payment. The timeframe they gave me was forty-eight months and now I’m about six months in the program. They have lowered some of my payments. Their reps were all pleasant and any question I had, they answered it. Everything that I asked was done and I’m very comfortable with them. The payment plan they gave was good and it's easy to make the payment. The program seems very beneficial and I will recommend them.

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    Reviewed Dec. 26, 2017

    I got a divorce and so I had all that debt on me. The process with National Debt Relief took four hours on the phone and then a couple of days before it was finalized. So far, they're doing fine, but I don't think they're calling my creditors fast enough because I keep getting calls and letters from my creditors. I assumed that once I start with NDR, they would call all my creditors stating that they're in charge of it so the creditors would leave me alone, but that didn’t happen. They only call me when they're going to settle a bill. And the way that I understand it is that I have seven different debt people and as I paid those off, then I'd be done paying. Overall, they're awesome and I'd recommend National Debt Relief.

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    Reviewed Dec. 26, 2017

    I would recommend National Debt Relief. They are a good group to work with. When I googled the best debt relief company, I read some good reviews on NDR so I used them since I was looking at consolidating some debt. I used their services to negotiate my debt down to a lower premium that I can afford. During the enrollment, they had me compile all of the most recent bills associated with the different credit lines or the people I'm indebted too. I scanned the bills over and sent it to them then they put together a plan and restarted drafting out of my bank account every couple of weeks. Then, they did all the negotiating on my behalf.

    They asked me when I wanted to be debited from my account and they made sure that it was an amount that I can afford. Their service is on point but they probably have a charge fee for working out a deal with me but they don’t ever say. I had a Citi credit card debt for $7000 and they negotiated with Citi to get them down to $3500. I needed to be debt-free and they did what they told me they were going to do so it’s working good. Their customer service is good and they answer my questions.

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    Reviewed Dec. 26, 2017

    I had a lot of debts and when I signed up for National Debt Relief's debt settlement program, I had my own person assigned to me. He walked me through the enrollment process and everything was sent electronically and signed through electronic signatures. I told them what I needed to be around and they let me know whether or not it would work or if I was completely out of my mind. It was a give and take type of situation. They had my monthly payment fit in to my budget and if I need to move a date, it's really easy to do on their portal. When I have questions, I call their negotiator and they always get with me.

    I've been with the program for about six months. I've settled with three of my people so far and now I don’t have to have the daily stress of the minimum payments every month. I'd tell my friends to give National Debt Relief a call and see if they think it's something that would work for them. However, I won't have much interaction with National Debt Relief until more money is on my account. I also wish that they reached out to everybody earlier, but it is what it is on that one.

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    Reviewed Dec. 26, 2017

    I was busy out of a job and was unable to just get rid of my credit card payments so I sought help from National Debt Relief. Enrolling was quick and easy. I called a gentleman. He was pretty detailed with his explanation and went through a plan with me on how soon the debt will be paid off with National Debt Relief as opposed to if I decide to stay and just pay my credit card payment.

    The program has been good for me. I've reached a settlement with my creditors. I'm currently just on a road getting debt-free with my creditors. I'm starting this month. The guy that I initially got in touched with got into a plan with me on paying my monthly statements. He basically split it because I wasn’t able to do it as a whole that time. The representatives at NDR have been pretty helpful. Every time I called, they go over my plan as a whole and always ask me if I need any additional help with navigating through the website. They're working pretty good with getting me out of that debt that I'm in. I'm definitely optimistic. Hopefully, in the next two or three years, I'll be debt-free based on what they made out for me.

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    Reviewed Dec. 26, 2017

    It was easy enrolling with National Debt Relief. They are good and so far, it’s been working for me. I get a statement every now and then but they could keep a little more in touch so I know where I stand.

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    Reviewed Dec. 26, 2017

    I love National Debt Relief. My debt-to-income ratio was very high and so I was looking to consolidate my credit and get it back to what it should be instead of what it is. I was doing some online research and they were rated number one and so I went with them to alleviate some of the debt that I have. I had to show them my credit report and then show them my bills to what I make and it was considered I'm paying more out in bills than what I'm making. I had to write a letter and I gave them the letter and then from the letter they were able to start consolidating my bills.

    They did an assessment of what they could do and so they took all my bills that I had and then my credit went from 700 to 300 in less than 30 days but I'm starting to see an increase as we start settling with these creditors. I had a $7,000 JCPenney bill. I had a $5,000 Walmart bill. That’s $12,000 that’s already been taken off of my credit. My credit score is at a 575 already and I’ve only been in it six months. It normally takes about three years to complete the program depending on what they can settle and if they can’t settle then ultimately there’s things that they have to do on their end to ensure that within that 39 months I'm able to get out of the clear with all my bills.

    Every time a bill is gonna be negotiated they call me or they’ll send me e-mail saying, “Hey, do you want to take this offer." The offer is half of what I owe or less than half and so it’s very easy for me to say, “Yes. I’ll take that half and consolidate that.” Or they’ll send me an icon in my e-mail and then I can say “accept” or “Let’s continue to negotiate” and so there’s always constant interaction. I'm impressed by their professionalism and the care about the person. They really want to see you make it. They want to see you prosper and that in itself you can’t measure that.

    They’ve made the commitment to ensure that I get the support and so I've gotten the support. It’s just adjustments that you have to make. I can’t go out and buy a brand new car but at the same time I see the light at the end of the tunnel. There’s no light in the tunnel when you’re paying minimum payments and you have $8,000 to $10,000 debt with creditors. So National Debt has impacted me to the point where I can’t go buy a house but I know three years will fly by and I’ll be able to do what I need to do.

    Also the person that I've dealt with has been very straightforward. There’s been nothing to where, “Hey, you guys told me you’ll do this and now it’s different.” They’ve stuck to what they were talking about. That’s something that I value a lot because you got a lot of people that say one thing and then you get in the program and it’s just like, “Ahhh… I didn’t sign up for this” and so it’s totally different. So if you want to get out of debt and you’re willing to do the footwork to get out of debt then this would be something that you should uptake.

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    Reviewed Dec. 26, 2017

    National Debt Relief could handle for me all the credit debt and loan I have at once and they had good communication from the get-go. The rep was nice and very informative. With any email I sent to him, he would get back to me within an hour at most. Even when I called and left a message, he would return my phone call almost immediately.

    The enrollment was through phone call, going through information and steps that I would need to take. I asked a lot of questions over a couple of weeks until I decided to go through with the program. We did a background check to see how much debt there really was then they tried to come up with a payment plan for it all and then I agreed. I was comfortable with the payment plan and the cost for the service is good. I'm still in the beginning stages but already one step further so I'm waiting to accept the terms. Overall, working with National Debt Relief has relieved a lot of stress. I've also told a friend of how easy the experience was then I referred her and she’s signing up with them.

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    Reviewed Dec. 26, 2017

    I like National Debt Relief's ratings and the way that they worked with me, like their customer services. They went into real details to explain to us everything that we need to know, like it will take us a certain amount of years if we do it ourselves paying all the interests and our credit cards, and over ten years to pay out everything. But with them, it will take us no more than two and a half years. They also answered questions if we have them. The negotiators have done a loan and two credit cards in a span of six months. I'm really grateful that that's going down and they're really helping me a lot. Cost seems pretty fair. They're doing basically all the heavy lifting. If my friends were in debt like me, I will send them straight to National Debt Relief, no question asked, 100%.

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    Reviewed Dec. 25, 2017

    I went from two incomes to one and there was a lot of credit card debt that I couldn’t meet anymore at that point. I tried a title loan on my car and that just made it worse. National Debt Relief's name sounded familiar, and I only saw overwhelmingly positive reviews about them. They also had the Better Business Bureau certification and that made me feel a bit more comfortable than with some of the other credit advisory companies. There's a lot of talk about scams with other companies, and I didn’t see any of that with NDR. I gave them a call and started with the program.

    During enrollment, there were a couple calls and documents I had to sign and I had to go through the whole initial spiel, but it was very easy. NDR first closed the accounts so that the accounts didn’t continue amassing interest. Then they negotiated and settled amounts drastically lower than the original balance. That contributed to a savings account and then they make the payments on my behalf.

    The customer service people on the line have been really good when I have a question or when I make additional payments to speed things up. They give me a call occasionally whenever they’ve reached a settlement with one of the accounts and they let me know to get my signature off on that. Everybody was awesome and it’s been a really good experience. They get a reasonable chunk for each settlement that they make for me, but compared to what they save me and the fact that they close the account, it’s worthwhile. I’ve already recommended them to others, and if anybody's in a situation like that, I would recommend they look into National Debt Relief.

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    Reviewed Dec. 25, 2017

    National Debt Relief has nice customer service and they are polite and easy going people, but I was concerned about the high fees that they charged me and I didn't understand it. I did two payments of 500 and 650 dollars. They paid my debt collector 50 dollars each and then they charged me 550 dollars upfront. I owe Chase Cars 2000 and they’re sending me a settlement for 1800. National Debt will charge me a thousand dollars for that. I also had a settlement with American Express, Bank of America and Capital One. I used to pay them 75 dollars every month and I thought National Debt Relief will help me out with that, but I figured out I can’t pay all this money for them. I will just call my collectors again and I will go ahead with all settlements that I have if they can do that.

    If National Debt Relief had so many people and they're collecting a little amount of money from everyone, then they would have more business instead of one like me who just cancelled the contract because of that. They told me that it was going to be 25 percent, but I thought it was from the settlement and not from the whole amount. I will just put that money in my debt so I can get rid of it.

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    Reviewed Dec. 25, 2017

    I needed too much money to declare bankruptcy and National Debt Relief was the first thing that popped up on the internet that was decent for a debt settlement. Signing up with them was very simple. It only took less than half an hour. We had a list of all my debts, they pulled my credit report and set up a plan for me. It's a tight plan that they have, but they're always very kind, positive, and helpful. I like their overall customer service. So far, I’ve eliminated almost a quarter of my debt. The fee was a little steep, but they also handle all the calls. For what it costs, it's about the same if I would've done it myself, but it's just nice to have them handle my debts for me. I only have six months since I started this and it resulted in a lot less stress in my life on a daily basis. I'm pretty happy with NDR.

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    Reviewed Dec. 25, 2017

    I’m on a fixed income and I’ve got enough income that I would be able to pay off my debts. I could pay the principal, but then the interest that would add on to each account would be growing. That got me interested in NDR otherwise, I was making the minimum payment, and the debt was still going up. I had one company tell me that they weren’t legit, which I didn’t believe. When I went online, it was debtrefief.gov, and I’ve got notification from them which was debtrelief.com, which I didn’t understand why it changed from .gov to .com.

    I took for granted what they use to notify me if things were going on. I thought they were a government agency, that’s why I went with them. What I didn’t understand either was the notice that I was getting from the bank. It was from Synchrony and I wondered how I got involved with them. And then I realized now that whatever they get from me goes into that bank and that bank does the paying. It was not going to a government agency and it was being handled by a financial institution, which NDR was in business, too. They told me in six months that everybody would be notified but there’s one that keeps pestering me, and I told them that NDR would be handling them, but it would be six months before that. When I went with NDR, I told them two accounts that I had made a bank loan to cover a credit card.

    I’ve been paying them minimal, and they’re still gunning me for a lot more than I’m paying, because I was advised at that time to give them a partial payment, in which I gave them very little money, just enough to show I’m paying, and that within a six-month period, that NDR would be notifying them what’s going on, because they were the only two banks that I didn’t write a letter to them saying I want to close my account. I wrote them a special letter telling them I’m closing the account, and I would try to inform them every time I’m contacted that I was in a debt relief program, and eventually, they’ll be dealing with each one of them.

    It’s been longer than six months now, and they told me to do this for six months. I had another Citibank account which they already paid off. They’ve called me about once a month after they received my payment, and they let me know what they’re doing. A lot of people are skeptical of all the scams. I had a sister-in-law who got caught in one with IRS, and she sent over $10,000 out of this country on a Visa card so, I’m very alert and very skeptical on things. She was told that they could not do anything since the people who took her money are not in the United States. I'd recommend National Debt Relief.

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    Reviewed Dec. 25, 2017

    I had to close a business since the mall I was in went bankrupt. And when it closed, I was overwhelmed by debt. Now I'm doing a debt liquidation program with National Debt Relief, their sales pitch got to me better than everybody else’s. They’re all great and so far, they’re helping me close out my debts just as quickly as I can and negotiate to reduce my debt with my credit card holders and still pay good on my debt without having to file for bankruptcy. I’ve only been in there six months and I'm paying monthly. We’ve already got two creditors cleared off. Hopefully, we’ll add the others real quick. Working with National has reduced my stress.

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    Reviewed Dec. 25, 2017

    I was accumulating debt. I called NDR and one of their reps answered. He asked me questions and I told him what was going on. I want to go for the program and they asked me about how much I owed and my credit cards. They settled a lot of debt for me. However, they called me and asked me if I wanted to get a loan. I didn't want to pay more than what I was already paying and I was trying to get out of debt. Other than that, everything is pretty good so far.

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    Reviewed Dec. 25, 2017

    I had some credit card debt and I wanted to get some negative stuff off my credit so that in the future, if I needed to buy a home or anything else like that, my credit would be okay. The process with National Debt Relief was not difficult and there wasn’t a lot of paperwork. They call you ever so often and negotiate with the people you owe money to. They ask you if you think the amount is fair and they take it from there. It worked fast. They’ve been working to take a few things off, but I still have to wait. I would refer NDR to family members if they need it.

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    Reviewed Dec. 25, 2017

    I did most of the enrollment online and then someone from National Debt Relief contacted me. It was great. They were helpful and the process was done in a timely manner that I wasn't on the phone for a long time with them. The price they gave me was reasonable so it worked out on my budget. For the most part, the experience has been fine. I started in June and they have only settled two out of all my things. It has put me in the bind right now but I do know that once they start paying stuff off, it will get better.

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    Reviewed Dec. 25, 2017

    I got a consolidation form National Debt Relief due to an unexpected financial situation. I read through their website and information, and it seemed to me that it was somewhat better than the other ones that I have been familiar with. I completed all the paperwork, including a listing of which debts I wanted to include in the consolidation program. The negotiator seemed to be very knowledgeable. He initially contacted me and discussed whether or not some certain debts could be approved. He was very efficient in reviewing the debts, telling me which would be automatically excluded because I’m under the program guidelines they didn’t qualify, and the process went pretty rapidly.

    He asked me what I felt comfortable with, what my payoff goal was, and when I want to have those debts paid off. He pretty much worked around the information I provided. He also gave me a payoff date based on what I was looking for in the program, as well as an estimated monthly amount. He provided me with pretty accurate information from the offset. I’m really pleased because I noticed immediately that I stopped getting a lot of collection calls. So, they work pretty quickly in dispersing the first payment and communicating with my debtors. NDR accomplished everything that I set out to do with working with them, and it has taken a lot of financial stress off.

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    Reviewed Dec. 25, 2017

    I needed help getting back on the right track financially. I have talked to other people who have been in the same predicament and National Debt Relief came highly recommended. National Debt handled pretty much everything. What stuff I did have to do, they walked me through it and they made me feel like somebody cared and it wasn't all my fault. We didn’t read the fine print that after such and such the interest and all those stuff was gonna go through the roof and we hit that point with our credit cards and that’s what nailed us. They told us that we are by far not the only family that’s ever hit that point. I was ashamed of the fact that we let things go the way they did and they would say, “You don’t have to be that way. It happens. That’s why we’re here. We’re gonna help you get this taken care of”

    The program has taken a lot of stress off our family. I know it’s being taken care of and so I don’t worry about it. We don’t have it so we don’t spend it. That’s pretty much it. It’s been a good program. I know we’ve taken care of some debts. Basically that they would handle things. It’s just a relief. I don’t have to worry about talking to these people and they take care of it. It just made everything a lot easier.

    And if I have a question I can call them and I don’t get the runaround. All their people are very well trained. I would recommend them to anybody. We have one payment. We give it to them and they disburse it. We appreciate what they’re doing to help us. I don’t want this to sound the wrong but I hope I never have to call them again. But I know if something does happen that they’d be the ones I’d call. So if anybody wanted to get things taken care of, clean up a mistake, they’d best call them.

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    Reviewed Dec. 25, 2017

    I have a family member who's with National Debt Relief and he told me that they are good, so I went with that. They’re helping me to lower my debt and finish it off. Their reps have been very helpful. They send me a lot of emails and they call me when there’s any new updates, so it’s been simple. Now I don’t have to be paying 20 different banks. I just have to pay one that covers everything. They got the job done and I have no complaints.

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    Reviewed Dec. 25, 2017

    National Debt had a good grade with the National Business Bureau and I also had heard a lot of good things about it. I had a lot of debt and was having a very difficult time paying it off. I reached out to them and we’re just at the beginning of the program but they're doing a really good job so far. The enrolment process was easy. I talked to them and viewed our accounts. National Debt's negotiators were very knowledgeable. I really like the company and how good they’ve been with us and I feel like they’re helping us out.

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    Reviewed Dec. 25, 2017

    I was over my head in debt. And with National Debt's help, we are in the process of clearing up some debt. So the program is working. National Debt had good reviews and they were approved by the Better Business Bureau. And enrolling with them was not very difficult at all. There wasn't a lot of paperwork, and their guys were very helpful and walked me through any questions I had over the phone. I felt very comfortable working with my negotiator, too. Some of the payments are manageable. I send a payment every month and then National Debt divides it between the creditors that we have settled. National Debt relieved some stress. It's tough in this day and age not having any credit to fall back on, but these are the things you have to do to get out of debt.

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    Reviewed Dec. 24, 2017

    We found ourselves in a difficult financial crises. With the holidays imminent there was no chance of Christmas in our home. I caught the ad on TV and called. I spoke to a very nice gal. She was professional, caring, and very informative! We feel this huge weight lifted from our shoulders and are committed to the program to become debt free!!

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    Reviewed Dec. 24, 2017

    I was very excited on the quickness it took since enrolling for this service. I hope the rest of the negotiations are quick and easy like this one. It was a quick decision to agree with the agreement and how it all was completed. This by far is the smartest decision to repair my credit.

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    Reviewed Dec. 24, 2017

    So far, it's been an amazing experience with the debt load off my shoulder. NDR has been very consistent with email if something changes, my account up to date, and definitely answer all my questions that I ask.

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    Reviewed Dec. 24, 2017

    Wow! It has been a long time for me to get to a place where I reached out for help, and when I did, National Debt Consolidation Services were there to help me. I have been working with them for a few months, and have already received my first settlement offer from a creditor! I thank God that they were willing to help.

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    Reviewed Dec. 24, 2017

    My husband and I enrolled just a few months ago and National Debt Relief has already cleared up almost 20% of our debt! Seeing that email from the success team in just a few months regarding a settlement from one of our biggest creditors, it was a huge breath of fresh air.

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    Reviewed Dec. 24, 2017

    Although it took me awhile to build up my account, NDR is doing an excellent job negotiating with my creditors. This removes a huge weight from my shoulders. This group is really the "real thing", unlike some of the late night ad and spam set. I would recommend NDR to anyone who has a problem and is becoming overwhelmed by their debt. This really is a solution!

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    Reviewed Dec. 24, 2017

    My representative was more than helpful and provided great customer service when assisting me. He was very knowledgeable with the services being provided and helped me to understand in great detail the kind of benefits I would be receiving from the decision I made. He was very personable.

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    Reviewed Dec. 24, 2017

    I didn't know where to turn with the overwhelming debt that I had. This company has rescued me and with time and patience I will be back on my feet once again. If you are in financial failure or have financial stress this is the company to go to for help.

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    Reviewed Dec. 24, 2017

    Cadesha ** was magnificent. Easy to talk to. Very courteous. She was very thorough, Compassionately listened to all my concerns. Answered all my questions. Made me feel at wade. She went above and To make sure I was comfortable. She spoke from the heart and not a cue card which meant a lot. Tone of voice was caring. Listened very well.

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    Reviewed Dec. 24, 2017

    Service great. Resolved a settlement in less than 5 months and cut the remaining balance in half. Would definitely recommend this company to friends and family struggling to make ends meet. Monthly payments are at a reasonable amount. Thumbs up!

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    Reviewed Dec. 24, 2017

    I had credit card bills due to an on-the-job injury. I went on the internet and National Debt Relief had a high rating. I called them up over a year ago and the enrollment process was smooth. I didn’t have any problems. They said they could help me and worked out what I could afford to pay a month. You always wish it could be more but you do what you can. Everybody was helpful and my experience with National Debt Relief has been fine. I'm about a year in out of 42 months. They’re keeping my creditors off my back and settling on a reduced amount, keeping me out of debtor’s person.

    They're contacting the companies one at a time and seeing what they can drop it down to. They could drop it a little more but it is what it is so they reduced it by 46% or so on most of them but I've had an offer to myself for less. They consolidate it all together, that I can't do. I would recommend it to anybody that is in financial need. The price is fair and the cost in relation to the quality of the service is good. National Debt Relief has made life easier. My debt is one last thing to worry about.

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    Reviewed Dec. 24, 2017

    At a time when I had lost my job and bills piled up, National Debt Relief was the first thing I had found. They asked me a couple of questions and what bills I wanted to enter into the program when I enrolled with them. National Debt Relief does debt consolidation for me and everything has been positive with the negotiator. He was very knowledgeable, very willing to help, and I haven't gotten any type of backlash. The program had started to help me become debt free and I wish I could've been in more on top of it sooner, so I could've gotten it taken care of better. I've been in the program for a year and a half now and they're providing good service. They don't charge any crazy amount but unfortunately, I fell behind. Still, it works out and it's really convenient to have everything bundled together, instead of me having to pay the debt and then pay a different payment for the services on top of that. That is something I enjoy a lot.

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    Reviewed Dec. 24, 2017

    I was a little over my head with debts, and I turned to National Debt to settle them. I saw what the Better Business Bureau said about them and their ratings and they had a good reputation. It was an extensive application but it was easy for me. My debt amounted to eight people and National Debt Relief is making arrangements with my debtors to pay off my debts. They have settled with 25% of my debtors which is two out of eight.

    The salesman and I get along fine. If I have a question, I'd call him and he would answer promptly and coherently. But the best part about National Debt is when they are ready to make a settlement with one of my debts, they'd call and ask if I approve it or if I reject it and have them get a better deal. But with the two deals they’ve called me, I've approved them right away because I think they know more than I do. They told me what arrangements we could make for my paying off the debts and I agreed to it. I feel very comfortable working with them which has made life a little easier. I'm very satisfied with them but I won't be referring them to anybody because that would mean I would have to admit to my friends that I have debt problems. I don’t even acknowledge that I know National Debt Relief.

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    Reviewed Dec. 24, 2017

    Some of my debt were already in collection and I was trying to find a way to consolidate them into one account. I saw National Debt Relief has good reviews so I gave them a try. The people at National Debt Relief were really helpful. They respond to my emails rapidly, and most of it was the time that they gathered all the information and talked to the accounts. They were efficient, accurate, and on top of the game. The cost of the service was worth it as they were able to consolidate the accounts in one payment in a fast phase. So far, it has been great and I would definitely recommend National Debt Relief.

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    Reviewed Dec. 24, 2017

    I talked to people I know who dealt with similar issues and even people I didn't know who had massive amounts of credit card debt that used National Debt Relief to reduce their debt in the past. I've got friends and family who used them and said they had a positive experience. I just finished grad school and I'm teaching. But if you don’t get to teach a summer class you don’t get a paycheck for three months. Even though I got a class, my entire summer pay became equal to what I would make in one month. That’s how the state handles our salary and so I was able to make minimum payments on my credit card debt. But with my salary dropping by two-thirds per month for three months, it was either make payments or pay rent.

    I had to figure something out, so I called National Debt Relief and filled out a form. We went through my bank information and they got my social security number notes. I signed a power of attorney to negotiate and represent me if necessary, and then each month there's a $507 that I pay over into an account that they use to negotiate settlement with my creditors. When an offer is on the table, they will call me to ask if I am willing to accept the offer and they will discuss if they think it's a good one.

    I've worked with them since mid-July and my debt is slowly becoming resolved which is awesome. There was miscommunication early on, but that could also be because sometimes there are dead zones while using cellphones and you don’t hear everything correctly, and I was also dealing with surgery on my throat for thyroid cancer so I couldn’t really talk as clearly as I wanted to. There was a time that I requested to change the date of payments, but apparently that was only good for one month. So it went back to the original date the next month. I didn't realize they've done that and it cost me to be overdrafted. Perhaps they may not have been clear or I may have been not paying too much attention because I called from my office and tried to do other things at the same time.

    But other than that, I've got two of my smaller debts taken care of. Seeing what would have been $7500 in debt being settled for $950 is awesome. I'd like National Debt Relief to move a little bit faster, but I understand the process and negotiation takes time. And I know it's going to take about three years to finish. But it's good enough for me at this point.

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    Reviewed Dec. 24, 2017

    Their enrolment with National Debt Relief was a step by step thing that progressed online. They gave me choices and I answered the options. They're reputable and I have a payment plan for three years with them. I'm close to two years in and everything that they've negotiated seemed fair. I could have contested some of it but they were not really worth it. I've whittled down my debt considerably. I pay a reasonable amount every month and that's good with me.

    I don't know what percentage of what I pay goes to NDR though. But whatever it is, it seems to be fair because I was looking at 20 years of debt payments and three years is a lot better. Their consistency is good and they get results. As a matter of fact, there was a credit card company that continually called and harassed me and they got me a settlement from that company because of that. I'm very satisfied and I would certainly recommend NDR. They are effective in their efforts to resolve the problems.

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    Reviewed Dec. 24, 2017

    The folks that I've spoken with at National Debt have been really helpful. I started working with them last Spring. And the monthly fee is really nominal and so far, their service compared to the expenses is not a problem. I once stood about five hours on the phone with a couple of different people, and they have been really patient. They were interested in talking with me, so it has been a good experience. I got five different creditors who I was working with and it took more time than I was comfortable with for NDR to come up with the numbers that they could agree on with the creditors. I could barely request for it to speed up so it was a weight off that things started to kick in recently and that two of the creditors had agreed to a number.

    NDR works with a company that I make monthly deposits to. And they hold that money and escrow, which is then being used to pay back the debt. They got a lot of really negative presses online, though. I checked customers' reviews about them, and some had made deposits, in some cases large amounts, over an extended period of time and they didn't get their money back. It wasn't applied properly or they completely lost it. I panicked for a while and called NDR a couple of different times and expressed my concerns, but they just read scripts to me. I interrupted them when it was obvious that it was what they were doing. But when I spent some time on that escrow company's website, I saw that my money was there. And around that time, a couple of the creditors also had consented to agreeable numbers for me to pay back.

    I feel comfortable with them now, but I still don't know too much about them and I can't explain the negative press that they've gotten, which is a concern for me still. NDR would do well to correct their relationship with the escrow company. They appear to be two distinct individual organizations when one would look online and they don't appear to work very well together. So, it would benefit them a lot if they could develop a more harmonious partnership that lives on the internet. But so far, my experience with NDR has been positive and I would recommend them.

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    Reviewed Dec. 24, 2017

    I got overwhelmed after going through a breakup and National Debt Relief is helping me with debt settlement. Getting enrolled was as easy as anything and all I did was give them my account information. Their negotiators communicate well and it was impressive how low the offers they were able to get. So far, they've resolved a couple of accounts and being in the program has gotten rid of our stress. We don’t spend out on stuff that much and I'm glad it has been taken care of. They also gave me payment options that I could afford. Overall, the service is good and it is worth it.

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    Reviewed Dec. 24, 2017

    My husband was in the Marine Corps and after he retired, we moved back to this home state of Missouri. We incurred some debt in California. We needed to fix our credit to buy houses. My mom had done debt consolidation programs before. It helped her out, so we thought we'd give it a try. The enrollment process with National Debt Relief was really easy. I just called and gave them what information they needed from me. We set up the plan that was fit for us and what our budget was.

    We've started with roughly $17,000 in debt. As far as our active debt, they’ve consolidated it over half thus far and only have dealt with half of the creditors that we have. They’ve saved in a lot for us so far. We haven't even been in the program a year yet. It's easy paying one person and they take care of everything for me. I'm not having to write six different checks to six different people, trying to make sure I mail them out in time and make sure to get the amounts right.

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    Reviewed Dec. 24, 2017

    Synchrony Bank had morphed my account like Toys“R”Us and PayPal and some other accounts I had. They were making it really miserable for me to deal with anybody. Credit Karma recommended National Debt Relief so I gave them a try. I called NDR and then they called me back. The rep asked me what account I had, then I gave them all my accounts and showed the guy that I owed so much. I signed up for 48 months and I've only paid 10 so I still got 38. We're taking baby steps right now, but I've resolved a couple of my accounts, which is good. They settle for less and then make monthly payments for me.

    In the past, I had Take Charge America and they were super slow. With NDR, it's taking too long and they take too much money, but they work, which is good. However, I don't deal with the same person all the time. It's always somebody else. In the past, Take Charge America was good because I always had the same girl and it worked out pretty well. If NDR can get a guy that is stuck with you all the time, instead of you calling and them going through your file to see what's going on, that would be the best bet.

    On the payment plan, I got an assigned amount each month and I spread it in two. The payments are stiff and they got all the things that they don't tell you about when you sign up. I've paid $8 and change extra every month and I don't know what it's for. They told me about it and I forgot its purpose, but they didn't tell me at first and I had to find out by calling them up. But I've got no problem with NDR. If I want to pull out with them, I can always pull out and just get somebody else to do my work. Unless something suddenly comes up, I'll leave them but other than that, I'm okay with it. I'm not happy but I'm satisfied.

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    Reviewed Dec. 23, 2017

    It was fantastic and overall I had no problems understanding the program. Very well spoken and very understanding. Willing to answer all my questions and very professional in all aspect. I am looking forward to getting out of debt soon and fast.

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    Reviewed Dec. 23, 2017

    National Debt Relief helped me by resolving all of our debt through negotiation; saving my husband and I thousands of dollars! We are very pleased with how easy they made the whole process for us, as well as how connected they stayed with us throughout the process, too!

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    Reviewed Dec. 23, 2017

    I join the program in August 2017. A month later my whole family was victim of hurricane Maria and National Debt Relief make it so easy for me to take care of my family financially. They were very understanding and one of my accounts already been settle. So far my experience is been great and I'm not struggling paycheck to paycheck. THANK YOU NATIONAL DEBT RELIEF.

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    Reviewed Dec. 23, 2017

    I was so concerned about getting in this program, but after unforeseen circumstances I had no other choice. I researched the company with the BBB and found it to have high reviews. As of today, they have shown me to a reliable, customer service focused and effective. I am happy with the results as of today, and would recommend to any friend in need.

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    Reviewed Dec. 23, 2017

    They are extremely thorough, considerate, kind, and responsive. They make customer service there #1 priority. I have loved working with them. Any questions you have, ask! Even though they may not have an answer immediately, which is rare, they will find one, and get back to you.

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    Transparency

    Reviewed Dec. 23, 2017

    When we first signed up we got the amount $944.00 per month we would be paying. When they came with the first complete negotiation of the credit card they asked for an additional $7000.00 plus $. We were not explained this in the beginning.

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    Reviewed Dec. 23, 2017

    The best thing I ever did was sign up with National Debt Relief! I have already saw amazing results after only 6 months in the program! Thank You National Debt Relief! Highly recommended, and backed by the Better Business Bureau, get started today!

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    Reviewed Dec. 23, 2017

    The NDR program has made a tremendous effort, with great results in decreasing my debt with creditors. Going forward, I realize that I must make wise decisions with my finances. I am eternally grateful. One day I will be able to see a brighter future.

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    Reviewed Dec. 23, 2017

    Very good at keeping me up to date with everything. Great people to work with. Thank you for all you do. I am glad I went with National Debt Relief. They are a class act. I feel so much better knowing they are fighting for me. I will never put my self in debt like that in the future. Thank you so much.

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    Customer ServicePriceStaff

    Reviewed Dec. 23, 2017

    I was in debt and and National Debt Relief negotiated the debt settlement. The representatives have been great, except for a couple occasions when I had asked them to postpone a payment but I ended up not getting them anyway and it caused some overdraft. The cost has been good in comparison to the quality of service and the payment plan has been reasonable. The last settlement that they negotiated for me was a Chase account and Chase was playing hardball and wanted things structured in a certain way. But at the end of the day, National brought a $13,000 debt down to about $3,000 so I can't really argue too much with them. National Debt Relief has impacted my life for the better. Others should give them a call and see what they can do for them.

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    Staff

    Reviewed Dec. 23, 2017

    I was very pleased at the professional assistance I receive from Robert **. He was very sincere and prompt to getting me the relief from my debt. I was very pleased at how your company was able to reduce my debt and the time I'm able to pay off my debt.

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    Staff

    Reviewed Dec. 23, 2017

    They were very easy to work with, and Super friendly. The whole process was easy to set up. We are looking forward to being debt free. Thank you Tangela for all your help in the set-up process. I would recommend National Debt Relief to anyone serious about becoming debt free. We should of done this years ago.

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    Reviewed Dec. 23, 2017

    My experience was very comfortable and relieving to know that Dorian ** was on my side and interested in my well being on this sensitive issue of debt relief. I was worried about revealing my sensitive financial information. I will recommend NDR to everyone. Thank you Dorian for your genuine help.

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    Staff

    Reviewed Dec. 23, 2017

    I was a little skeptical at first. I thought things were moving a bit too slow. After the wait I started to see results. I'm very impressed. They were very professional and I really do appreciate this company. They know their job. I would most definitely recommend them.

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    Staff

    Reviewed Dec. 23, 2017

    I feel confident knowing that National Debt Relief is on My Side! They are friendly and easy to work with! Never thought I would have to resort to this but they are great! Did not at all make me feel bad about my situation. Very helpful and very knowledgeable... Very understanding to my situation.

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    StaffTransparency

    Reviewed Dec. 23, 2017

    I feel that NDR has been a great partner in assisting me with my debt issues. Everyone has been very responsive, professional, able to explain things clearly, and has empathy and an extensive reference background. I appreciate NDR and their employees going to bat for me.

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    Reviewed Dec. 23, 2017

    They are always so nice and respectful and do everything in their power to help your situation. They have always been available for questions and answer them with sensitivity and knowledge. They are saving me from bankruptcy, and for that I'm very grateful!

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    Staff

    Reviewed Dec. 23, 2017

    Nice and friendly representatives that are willing and have patience to take time with the customers that want help. Appreciate all the extras you have gone the extra mile to make me feel relief. The specialist went thru all the plans to fit my needs. Thank you and I know I made the right choice team.

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    Reviewed Dec. 23, 2017

    So far, I am happy with the professionalism of the agents I have corresponded with via telephone and email. Also, I was pleasantly surprised about the quick turnaround time to see some movement in the start of negotiations to begin resolving my debt. It was a nice surprise to recently find out that two of the debts submitted are on the way to being eradicated in just a few months. I can't wait to hear about the next one. I am well on my way to becoming debt free and that is very exciting to me!!

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    Reviewed Dec. 23, 2017

    It was good to see that things are starting to move as I can't wait to see the rest of them start to get smaller until I can see a light at the end of the tunnel. I am very thankful that I was introduced to your company.

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    Staff

    Reviewed Dec. 23, 2017

    So far I have had Excellent Service. The people are nice and friendly. It has been a great experience so far. My have resolved most of my debt quickly. I have mentioned National Debt Relief to a couple of people I know who are struggling like I was.

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    PriceStaffProcessTransparency

    Reviewed Dec. 23, 2017

    National Debt Relief was recommended higher than others with Better Business Bureau and backed a little more positively. I'm on their 3-year debt settlement program and the enrollment was easy and was done on the same day. Their people have been very friendly and they've made everything clear. Their price is also reasonable considering they're doing all the work to reduce what we owe. Even with the cost of what I have to pay them, it's still a bit less than having to continue to pay how it was. My credit took a ding and I knew that was going to happen but it's slowly going back up. I'm almost done with the first year and it has now forced me not rely on credit card anymore. Do your research and make sure NDR is the company you go with.

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    Reviewed Dec. 23, 2017

    I have a lot of debt and it was getting very tight. Every single month, I make a payment and I felt like my debt was never coming down because of the interest with all the credit cards and others they had. National Debt Relief provided a settlement program for me. The guy helped me throughout the enrollment process. He answered a lot of questions and I wanted to make sure that I got every single little detail before I sign myself because I knew that it was going to take a hit on my credit. The enrollment was quick but he wasn’t too specific in a certain detail which was what he informed me when I was looking into the program. He was very specific when he told me that NDR takes their money once I’m done paying all my debt. I found out that it was not that way, they take the part of their money when they make a settlement with somebody. They take out their money at that time and that upset me.

    The program was for 36 months and I’ve been in it for about a year. With this program, I got one account settled and I have two being settled right now. Also, it helped me and I’ve had at least some flexibility. This month, my husband was put out of work because of the holidays so he had to be off work for three weeks and I was able to talk to NDR to lower my payment for this month to something I can work with. It was a plus because before I wouldn’t have been able to do that as I would have to make every payment to every credit card. I’ve had good service with most of the customer representatives. They’ve been very helpful and courteous to me but I have had three whom I have spoken to and were a little bit rude. NDR helped me get some debts paid off in a way that I can. It has impacted my credit negatively but it has been helpful for me.

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    PriceStaff

    Reviewed Dec. 23, 2017

    When I was going through a very difficult situation, I heard about National Debt Relief and I did some research on the web. I was more interested in contacting them than any other company and I don’t regret it because they have helped me a lot. I'm still in the process and they have settled my debts. They’ve been all the time updating me what is going on and they’ve been very professional. How much they charge me is nothing compared to what they have done. They're wonderful. My former wife and I are very happy to use them. I also have recommended them to some other people who have approached me, especially officers. My advice is that if someone is in debt situation, it has to be settled now and the best people for it is National Debt Relief.

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    Customer ServicePriceStaff

    Reviewed Dec. 23, 2017

    Enrolling in National Debt Relief was easy. I just filled out some of my information online, then somebody called me back, and then just talked about my case on the phone, then they helped me to set up everything. It only took a couple of days. The customer service agent named Gaber was very nice, and he helped me to start it. I started in July of 2016 and it will not be done yet until July 2018, so I am halfway done already. Everything is going well right now, but, in the middle, somebody did not understand what I was saying. I have two credit cards, and they transfer my balance to Citibank because they changed my credit card from Costco. I had some troubles on that, but it is fine right now. Also, they can't cover all my debt too.

    Everything is going well, everything is good. However, I know half the other company that has lower cost, but it is fine and it is not that big a difference. Overall, NDR helps me in managing my money and it allows me to know I got to pay that much money every month to keep my debt going well.

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    Customer ServiceStaff

    Reviewed Dec. 23, 2017

    I sought for debt relief help so I could get my debt paid off, and I went with National Debt Relief because of their rate. They asked me how much I had in debt, what was due, and they went from there. I’ve been with them for four months, and instead of spending $1000 a month, I’m only paying about $400. They addressed me over the phone, and their negotiator was very good. I have a good deal at 8.14%, and most half my unsecured loans, I’ll never get it that cheap. I am on autopay, and out payment plans are going pretty good. NDR has saved me a lot of money, and I’m a lot less stressful.

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    Price

    Reviewed Dec. 23, 2017

    I was in debt and National Debt Relief had good reviews and I was impressed by their willingness to help me out. I’ll be a year in with National Debt Relief and I'm getting my debt taken care of. The cost is fair for what I had. I just got to make sure I have money for the week every month.

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    Staff

    Reviewed Dec. 23, 2017

    National Debt Relief worked on giving me a loan. Getting enrolled in their debt settlement program was okay, but there were a lot of things they mentioned that I had to do, so it had taken a while. Other than that, my negotiator was good. And I would recommend National Debt Relief.

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    Customer ServiceOnline & AppProcess

    Reviewed Dec. 23, 2017

    National Debt Relief has good reviews so I had them settle my credit card debt. The application process was easy. They called me and asked me a simple question. Then, they looked at the amount of debt I had, told me what my minimum payment needed to be and I approved it. The program has settled some of my debts and I like the settlements that I've received so far. NDR is a good company and I'm happy I went with them. They're worth it.

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    Staff

    Reviewed Dec. 23, 2017

    I wanted to get some of my bills consolidated to one payment a month. National Debt Relief was referred by another debt relief company. I read all the reviews and it had 5 stars and everybody said very positive things about them. And then, I liked the level of care from the representative at the initial application process. And also, their representatives were very thorough, very polite, and very knowledgeable. They didn't try to talk over me but they listened to me. And then, the processing was done in an hour and now, I just pay a monthly payment.

    NDR has done a good job. And before they make a decision, my representative lets me know and he presents the pros and cons. He gives me what his recommendation would be. But still, he lets me make the final decision. When I had been with them for four months, they had already negotiated some of my creditors. And in a year, they got together four of my creditors. The timeframe they gave was 34 months but since they were able to negotiate with the creditors sooner, it had cut almost a year. I will absolutely recommend them. I have given my friends and family members their telephone number. I'd also tell them how professional NDR is and how they negotiated with my creditors. I started out with $22,000 worth of debt, and in over a year, it was trimmed down to $10,000.

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    PriceStaff

    Reviewed Dec. 23, 2017

    I called National Debt Relief to see if I could get a loan. They told me to try them. I got their debt settlement services and they treated me with respect. Their service worked for me but some of the prices were a bit higher than what I told they were going to be.

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    Customer ServiceStaff

    Reviewed Dec. 23, 2017

    I couldn’t get to the point where I could keep up with all my credit card accounts I got over my head. National Debt Relief took all my credit card accounts and now, I pay a monthly fee and they make deals on each one as I go. They let me know when they make a new deal, and I approve it. One person set me up, then I received a call every so often from different people. They're professional and they took care of everything.

    National Debt Relief told me how much I needed to pay for a month. Right now I'm out of work, so we reduced that to a half for a few months until I get back to work. Working with them makes things a little easier 'cause I was going to wreck my credit anyway. There was nothing I could do. I made too much money to not do a bankruptcy. This way, at least all the creditors get something and I'm not just leaving them. At least we're making deals and settling these accounts, which I feel a little better about. There's a couple of accounts that say they're not going to accept, but we'll see what happens. I'd definitely recommend them.

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    Reviewed Dec. 22, 2017

    Very courteous customer service and advisor, I'm going to start the program and I'll fill up another review later, I hope everything is going to be as good as been until now, nice persons very detail explain, and sounds that is going to be a good process.

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    Staff

    Reviewed Dec. 22, 2017

    Very professional and efficient staff! The service was phenomenal and very prompt! I look forward to my debt being improved, as I am still new. I have the utmost confidence that I will be back on my feet soon with the professional help of National Debt Relief.

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    StaffTransparency

    Reviewed Dec. 22, 2017

    It was explained very well & I understood it all. The representatives were helpful & understanding and I will recommend them to my friends & family! I was really surprised by the knowledge of the representatives and I will do my best to resolve this sooner!

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    Reviewed Dec. 22, 2017

    When inquiring about this program, Paul ** was very patient and helpful. He took time to walk me through the process and answer my question to my satisfaction. Celeste followed up the next morning in the welcoming call and she also was very pleasant and helpful. I am very appreciative to both for a positive experience.

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    Staff

    Reviewed Dec. 22, 2017

    Excellent service, thank you for all of your help. I am on the right track now. The employees I have spoke with were sincere and were there for me when I needed help the most. I will definitely refer this company to friends and family.

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    Reviewed Dec. 22, 2017

    I had a very pleasant experience from the very beginning of this process. Any questions or concerns I had were addressed and explained to me. I very much appreciated the gentle and caring way I was treated during this difficult time.

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    National Debt Relief Company Information

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

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