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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 297 Reviews 44175 - 44325
    Verified purchase
    Customer ServicePriceStaffTransparency

    Reviewed Dec. 13, 2017

    The team of workers were able to explain and help me resolve my excess debt. I have been struggling and paying only interest and not getting anywhere. I feel this is the answer to my problems. It help me from having to go bankrupt, but resolve and pay off.

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    Customer ServiceStaff

    Reviewed Dec. 13, 2017

    In Sept 2016 my husband and I owed $56,400 on credit cards and were going to be unable to pay on them and on our home mortgage, too. The NDR counselors were able to manage our income and debt in such a way that we were able to keep paying our home mortgage until we sold it in May of 2017. They have also negotiated with all the credit cards so that we will definitely be debt-free on or before the 48-month goal we set in the beginning.

    There are not enough words to express our thanks for how NDR helped us avoid bankruptcy and foreclosure. Yes, our credit score has taken a hit, but every month, with every card settled, the score begins to rise again. The Customer Service Team has been with us every step of the way with answers to every upsetting letter and phone call we received. They gave us step by step instructions about what to expect and what do in every situation. If your back is against the wall -- call NDR.

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    Customer ServicePriceStaffProcessTransparency

    Reviewed Dec. 13, 2017

    We haven’t had a cost-of-living raise in 11 years at my job. I relied on credit cards to help me and my family get by. I’m a review person and I was hesitant at first because National Debt Relief had some bad reviews. However, I saw that the reviews got a little bit better. So we gave it a roll and the person that I spoke to really explained things. We were trying to look for a house and if we did this program, it wouldn’t benefit us. But we had so much debt, even though I am 100% on time with my payments. The only time I’ve missed payments on my credit cards was with this program now. But it also shows that it's going through a program too.

    So far, National Debt Relief settled two of my accounts. I started in May and within the fourth month, they picked one and resolved it. Then within the following month, they settled another one. They’re going to be making the last payment to two cards next month. I still have six left, but they’re picking up a little bit faster than what I originally assumed.

    I’m doing a little bit better since I’m paying only $300 versus paying almost $1000. Plus, they’ve already settled two for half of what I spent. I have 11 months left on my car because I’m adding an extra payment on that. My OneMain Financial account will be paid off in 13 months. Once those are paid off, I'll add more to my debt relief payment. I’m on a 36-month plan, but I’m one of those people who want to add a little bit more and get it to speed up a little bit. I feel good about the cost and it's less than I expected. I was expecting an outrageous amount. My debt was 14,000 and I'm already down to 10,000 so it's something I can afford. The communication with National Debt Relief is really good. They call me to get my approval or to let me know what’s going on. I also check my accounts, and if I had a question, they always responded and explained stuff thoroughly.

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    Customer ServicePriceStaff

    Reviewed Dec. 13, 2017

    I went with NDR's debt consolidation program because I had too much credit card debt. They seemed to be the most accredited and had the best result when I searched online. Then, I simply talked to somebody, filled out the forms they've sent me and we started the program. It's been great ever since. At first, I had reservations because of all the scams I hear. But they did everything to make me feel very comfortable with it all. They worked with me on when my paydays fall and how much I was able to pay them monthly. Most of the interactions have been through email, which what I prefer as well, and I hear back from them within the day. Everything they’ve done has gone above and beyond what I expected but what impressed me the most was their ability to get things settled quickly. The cost seems reasonable as they get paid for what they do. So far, it's taken a lot of stress off of me. I'm happy and just waiting for the end result.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 13, 2017

    I was behind debt and needed to get everything paid off. I called NDR and they were very responsive and said they would do that for me so I didn't look into any other company. They walked me through everything I needed to do. Talking with their negotiators have been perfect and I love the way the program works. It's beautiful and it's worth it. They informed me when I first thought that my credit was going down before it's going to come back up. And it's just what it’s doing. I still have one or two more things to clear up but I thank them for a wonderful service.

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    Customer ServiceStaff

    Reviewed Dec. 13, 2017

    I will study in a medical school soon so I wanted to fix my credit. I got National Debt Relief's services after I looked them up online and saw that they had a lot of good reviews. The rep that I talked to was very informative. He told me all my options and went through everything in detail. I told him all the credit that I have accumulated and he told me what could be done. He then got all of my information, emailed me a quote on how much the settlement would be and everything got approved. And since then, I've been paying my monthly payments and everything's been going smoothly. They call me every two weeks to make sure everything's going well. Then, whenever I have a settlement, they let me know what's going on. I can access everything online on my account so I can keep up with everything. I've been able to manage my bills now and make timely payments. I've had an awesome experience with NDR and I would definitely recommend them.

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    Reviewed Dec. 13, 2017

    I had unsecured debt with three credit cards and I went with National Debt Relief since my wife had a successful resolution with them earlier. I got into a debt settlement program first, and then they work their process until eventually, it becomes debt consolidation. They went through my situation, my numbers, what my pertinent information was and all the stuff that I owed.

    Two-thirds of our situation has been resolved, but there is still a missing piece so we're not 100% successful yet. I've been thinking about calling them and asking them what is going on with this last piece. It seems to have fallen into a limbo black hole and I'm not too sure what's going on. They haven't been as successful and it's the same company they settled with before. I haven't had a lot of success with understanding what they're doing. Up until that point, the service was phenomenal and it let me sleep better. But now, the anxiety is back up again because of the judgment that has been put on me to reduce the half and because of no support from NDR. Overall it's feasible to have them work on my behalf, but I'm not happy with the follow up with their final negotiations for my last debt.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Very thorough over the phone with efficient customer service personnel. Lady was very prompt and courteous and helpful and informative. Lady reassured my confidence in the human spirit that your company and your staff is willing to assist someone who is drowning in debt and making the financial struggle a little less intimidating.

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    Customer ServiceProcessTransparency

    Reviewed Dec. 12, 2017

    I received great customer service. Everything was explained in detail and all my questions answered thoroughly. I feel well prepared for the program and confident in my decision to enroll. The process of enrollment was smooth and very efficient. Thank you!

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    They are making a real effort to help. They are understanding and made me feel comfortable. Super knowledgeable and could answer all my questions. I am happy to be working with them. Thanks again for all you're doing to help me and my family...

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    Process

    Reviewed Dec. 12, 2017

    The process was fast & easy before and after I was approved. My credit card debt has been an issue for me for a while but immediately after I had completed the paper I felt a sense of relief. I would definitely recommend this program to my family, friends or anybody that needs help with their debt.

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    Customer ServiceStaffTransparency

    Reviewed Dec. 12, 2017

    I have been very pleased with the sign up process and the communication with this company have been outstanding. They make it very easy to sign the agreements online and they get the confirmation immediately after you sign. The agents I spoke with seemed very knowledgeable about everything and walked me through the agreement step by step, line by line. I highly recommend this company to anyone looking to get out of debt.

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    Transparency

    Reviewed Dec. 12, 2017

    My experience with National Debt Relief was very good. I think they explained real well and made it simple to understand and explain option well. I recommend anyone with debt problems to consider National Debt Relief or least talk to them. I glad I did.

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    StaffTransparency

    Reviewed Dec. 12, 2017

    Very friendly, explained very well, answered questions, very informative and patient, would recommend to all who need help saving on high interest debts, explained every aspect and wording of contract in an understandable language that the layperson is comfortable with.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 12, 2017

    The enrollment counselor was thorough and explained the process well. The welcome call counselor was very thorough as well. I think the legal support option is excellent. I will recommend National Debt Relief to my friends. I know I can pay off my debt with the assistance of National Debt Relief.

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    Staff

    Reviewed Dec. 12, 2017

    Description of what we were about to do was very good and thorough. It was described in detail and all questions were answered. Mark was very knowledgeable, and was very kind. Advised us on what credit cards should be involved in our situation.

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    Process

    Reviewed Dec. 12, 2017

    Adrian was awesome and I already have one debt taken care of. The whole process has been easy and taken a lot of stress off me and given me hope for a debt free future... Highly recommended them to anyone struggling to make ends meet and keep the wolves from the door.

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    StaffTransparency

    Reviewed Dec. 12, 2017

    So Far everything has went smoothly. Hoping that everything gets resolved. Everyone has been very helpful and explained everything to me. Now I'm waiting for my creditors to be reached and my debt will be arbitrated and most of my debt will be resolved. I want to thank all who has helped me on this road to debt relief.

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    Staff

    Reviewed Dec. 12, 2017

    My experience this far has been good. The representatives are very pleasant and helpful. They are also very knowledgeable about the services and your needs. I have seen an improvement in my credit scores and that has been very exciting to me.

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    Verified purchase

    Reviewed Dec. 12, 2017

    First, I would like to say "Thank you," for allowing me an opportunity to get my debt resolved. Also, for allowing me to do this with dignity. I appreciate that I was NEVER made to feel "less-than" or foolish. You provide a wonderful service and I am truly grateful! Thank YOU!

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    PriceProcess

    Reviewed Dec. 12, 2017

    Failed to mention that once the cards are closed that the interest & late fees keep adding up, was under the impression that once closed the amount would stay the same but it didn’t so they make it sound like they are saving you a lot more money than they really are because of all the extra interest & late fees that keep building until a settlement is made. Was also told all the cards/debt I put in the program would be paid off in 3 years but because of certain “fees” they have they have now extended my debt free date out 10-12 months which really makes me unhappy!

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    Staff

    Reviewed Dec. 12, 2017

    Everyone that I have talked to has been extremely helpful and gracious. I feel as though I can trust them, and I am excited for what the future holds with this company. I went into the conversation with a lot of doubts, but Al ** reassured me that this was the best step for me to be financially sound later in life.

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    Staff

    Reviewed Dec. 12, 2017

    They were very informative and professional. Also very friendly and genuine. It was a lot for me to reach out for help and hesitant on calling NDR, they made it simple and no judgment which made me feel free, relieved and knowing I did the right thing in my current situation. Thank You Guys so much.

    Updated 04/30/18: My first debt has been updated and waiting for rest of debt to be resolved. I am happy after being nervous and waiting 6 months to hear our see results from this company. I am pleased to see we are moving forward in consolidation of my debt. Furthermore in decreasing the amount owed in my situation. A year and 7 months ago I was diagnosed with Breast Cancer which turned my life around. One of the backlashes from surgeries, appointments, reconstruction produced overwhelming medical bills. I survived beast cancer. Thank you NDR FOR HELPING ME survive the financial stress and residual debt.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    It was an easy experience. The representative I spoke with was very accommodating as I was very apprehensive because this is a big step. He called me back twice at my request and didn't sound like he was put out by it.

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    Staff

    Reviewed Dec. 12, 2017

    Great service, very understanding and willing to go above and beyond to help someone in need out. Assured me I was in good hands that together we would accomplish the goal of me getting out of debt. Also guiding me step by step in what I needed to do.

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    Staff

    Reviewed Dec. 12, 2017

    Stephen ** was a huge help in answering all our questions, and truly cared about our situation. He was very friendly and considerate. Took us several days of him calling us. He was very patience with us, us always being busy, but we finally got in touch and now we made a great choice.

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    StaffTransparency

    Reviewed Dec. 12, 2017

    Professional, friendly, thorough & fast! Christian ** made me comfortable about working with a debt consolidator for the first time. I was skeptical at first but Christian really took time to explain how this works and gave me several options. He really cared about my concerns.

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    StaffProcess

    Reviewed Dec. 12, 2017

    Both agents (Jose and Nicole) are very professional and helpful. They gave a peace of mind about the program and my debts. Great Service!!! Thank you for helping me and saving me tons of money... I will recommend you to my friends that needs help.

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    StaffProcess

    Reviewed Dec. 12, 2017

    For years I thought we would never get out from under the revolving debt we had accumulated as we raised our family. Finally we decided not to play the game anymore and National Debt Relief took the burden of negotiating with creditors, something we didn't have time or energy for, off our shoulders. They have been informative and helpful throughout the process and we so appreciate their help!

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    Caren increased rating by 3 stars.
    Customer Service
    After a positive interaction with National Debt Relief, Caren increased their star rating on Dec. 18, 2017.

    Updated review: Dec. 18, 2017

    Today I received a call from Roberto Martinez who made me once again love National Debt Relief. He immediately apologized for the delay in getting back to me. While on the phone for a substantial period of time, he took the time to patiently address all of my concerns, he answered my questions, he let me know what steps would be taken to resolve my issue and now I can breathe a sigh of relief. I am EXTREMELY HAPPY with the outcome of my phone call with Roberto, and I am EXTREMELY HAPPY with how National Debt Relief will be handling my concerns. I no longer have any negative feelings towards National Debt Relief thanks to Roberto Martinez.

    Original Review: Dec. 12, 2017

    Up until November 25th I was completely happy with National Debt Relief. I am currently being harassed by a bill collector. I have reached out to National Debt Relief FOUR TIMES (2 via email and 2 phone calls), as of today (December 12th) I have yet to get a response. (My last attempt at communication was yesterday). If I would hear from them as to when they plan on handling this problem, then I would go back to giving them a better rating.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Customer services is top notch, pure professionalism is always displayed. My questions are always Answered in a timely manner. When I have any questions the team always answers with a great attitude. It is a pleasure to do business with this team, I always recommend National Debt Relief to all of my friends and family.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Great customer service, good listener customer service and very helpful. Customer service can solve the problem very well and knowledgeable. They always listen carefully and trying to help me when I have financial hardship. I feel comfortable and blessed to knowing NDR. Thank you and God bless. Happy Holidays!

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    Reviewed Dec. 12, 2017

    I have been so worried about how I was going to start to pay off our debt, now that I am going through a divorce. NDR has relieved me from the stress and worry of having to try and negotiate directly with my creditors. Very satisfied.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    I had an excellent experience where my concerns were taken care of very professionally. During my call, the lady explained how my account is being handled and that I need not worry about any collections that may occur because National Debt is taking care of my creditors.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    So far the company has been very kind and understanding. I cannot yet attest to the reliability, so I may update my review once I know more. The only thing I find a bit frustrating is that they don’t stick to the times you tell them you are available to speak and the call often.

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    Process

    Reviewed Dec. 12, 2017

    The associates I spoke to were a huge help. They made the process easy and quick. The whole process took maybe twenty mins. If you're cornered with debt, call National Debt Relief. You won't regret it. I'm so excited to be rid of these credit cards once and for all.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Realistic, fair Communication from National Debt Relief is the best, kind and courteous customer service always. They have helped me lower my balances with my creditors, better way to go than bankruptcy. In the end I will have paid off my debt and my credit score will improve. The customer service is excellent.

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    Reviewed Dec. 12, 2017

    I am still using NDR but I honestly thought they would contact my credit card companies sooner. My balances have gone way up due to late fees. I was also told most balances would be settled for 50%. Not even close. My credit score has tanked.

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    StaffProcess

    Reviewed Dec. 12, 2017

    Very helpful. Should be on my way to a debt free future. Representatives were very helpful, the whole process was much quicker than I thought it would be. My payment is going to be a lot easier to make than paying a bunch of different payments every month.

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    Reviewed Dec. 12, 2017

    Omg in 2 months they already resolved one of my debts, excellent job National Debt Relief. This debt probably would had taken me another year and half to resolve but these guys fix it in 2months, I’m so happy with the customer I have received from you!

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    Customer ServiceProcess

    Reviewed Dec. 12, 2017

    Great customer service. I have only been on this program for one year and more than half of my accounts have been settled. My contract is for 24 months and I’m sure all accounts will be settled by end of term. I would definitely recommend this National Debt Relief to anyone looking to settle debts.

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    Customer Service

    Reviewed Dec. 12, 2017

    It has been months since they’ve supposedly sent settlement requests to the companies listed on my debt-owed list. Why wait MONTHS to hear back from them? Why can’t you use another stamp to send another request or do the job they’re getting paid thousands of dollars to do, and pick up the phone and call them? Ridiculous.

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    Staff

    Reviewed Dec. 12, 2017

    This has been the best experience so far, it has relieved a great amount of stress for me. Your people were very informative and made sure I understood everything. Thank you for your service and look forward to doing business with you.

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    Staff

    Reviewed Dec. 12, 2017

    Representatives were very informative, patient and considerate of my every concern and provided comprehensive answers to my inquiries. They made what otherwise would be a very sensitive experience very reassuring. I hope to have a successful resolution to my financial concerns and am appreciative of the assistance thus far offered.

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    Staff

    Reviewed Dec. 12, 2017

    Before contacting this company I was in a lot of stress and before you know they have settled all my debt. It is an awesome company and I highly recommend it. They definitely helped me and my family and it was so easy. Very friendly staff and easy to communicate with.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Treated professionally. Answered my many questions without being condescending. Did not feel pressured. Took time to understand my personal circumstances. Is a hard decision to come to the realization that you need help. Read reviews before contacting. Excited to get started.

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    StaffProcess

    Reviewed Dec. 12, 2017

    My experience with enrolling with National Debt Relief Program was overwhelming at first but with the continued guidance and professionalism of Nate ** and Allen **, it made the process more easier to do. All my questions were answered and this program will help me get my credit back on track. Thank you so very much for all your help.

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    Customer ServiceStaffProcess

    Reviewed Dec. 12, 2017

    Great service, very understanding and willing to go above and beyond to help someone in need out. Always got back to me and were very thorough on what the program entailed. Assured me I was in good hands that together we would accomplish the goal of me getting out of debt.

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    Reviewed Dec. 12, 2017

    More than half of the debt was reduced and resolved. That shows me debt relief does what they say they can do. I am counting on them to finish the job and then I can become debt free and learn to control my expenses.

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    Heather increased rating by 1 star.
    Customer ServiceStaff
    After a positive interaction with National Debt Relief, Heather increased their star rating.

    Reviewed Dec. 12, 2017

    Completely professional, efficient, and willing to go above and beyond to provide the best experience possible. Always friendly and courteous! Everyone I have other push you to speak to was always ready to help, answer any questions that I may have.

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    Staff

    Reviewed Dec. 12, 2017

    I am very happy to work with National Debt Relief to help me and my family become debt free in a realistic time frame. Their associates were very helpful and informative of what my options were to become debt free. They were very professional and friendly to work with.

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    PriceStaffTransparency

    Reviewed Dec. 12, 2017

    Courtesy, helpful, resourceful and efficient service. Of all of the hundreds of various business transactions that I have experienced over the past 80 plus years NDR has been without question the very best. The manner in which the program was explained, the options available, the cost of the service and the detailed explanation of each element of the transaction was to say the least outstanding.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    I haven't been enrolled in the program long enough to have an opinion. But so far everything is going just fine. Ozzie ** has been very informative and very patience with me, and he doesn't leave the conversation until he and I are satisfied and I haven't any more questions and that I can call anytime if I do. As confusing as all this is Ozzie breaks it down so I can understand the procedure of now and what's to become.

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    StaffProcess

    Reviewed Dec. 12, 2017

    The help I received from Marissa ** when I first contacted NDR was very good. She was a calming voice with her knowledge of the program. Her professionalism was also right on spot and is much appreciated. She made me feel very comfortable. Thank you Marissa.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 12, 2017

    I was nervous about starting the program, but George ** was very helpful, transparent and warm, which made me feel like I was being taken care of. I feel good about joining the program! The agent from the welcome call (can't remember his name) was excellent as well. Would definitely recommend this to anyone!

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    Customer ServiceStaffProcess

    Reviewed Dec. 12, 2017

    After making the decision to take control of my debts, I started by filling out the online form. I was shocked by how fast I was contacted. As nervous as I was through the whole process, Gary took care to answer all my questions fully and honestly. I appreciate the understanding and patience with the people I spoke with. I feel like there will be support throughout this process.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Nothing but exceptional customer service from the National Debt Relief program and their wonderful team of experts. A great service to make repaying an overburdensome debt easier to handle. We have just settled on the second of three debts. Awesome job guys!!!!

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    Customer ServiceStaffProcess

    Reviewed Dec. 12, 2017

    It is a excelente website, especially the agents or the person that respond the phone, they very friendly & make you comfortable and able to speak with them. They are very explicit when it come to give the detail of the program. You hear what you wanna be out of debt.

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    Staff

    Reviewed Dec. 12, 2017

    Absolutely amazing service. They really made it comfortable to talk about my debt and how I had gotten into my situation without feeling judged or intimidated. Words cannot express how immensely great it feels to finally be taking steps to eliminate my credit card debt.

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    Customer ServiceProcessTransparency

    Reviewed Dec. 12, 2017

    I didn’t have much hope in the beginning, I was nervous and worried that it wouldn’t work. We are not even 1/3 into the process and almost all of our creditors have reached a settlement way lower than expected. I am in shock and blown away by everything. Awesome business that really helps when times get rough. Amazing customer service! Always available and willingly to assist and explain things. Thank you!!!

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    Great service from the very beginning and I am excited about becoming debt free. The first person I talked with Michelle was so nice and helpful and then the welcome call with Johnny went very smoothly. I wasn't sure if this would be the right call for me but I am sure this was a great choice.

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    Staff

    Reviewed Dec. 12, 2017

    I was very pleased with how everything was taken care of. I am ready to get these bills off my shoulders. Everyone has been very helpful. Thank you. I would gladly recommend this company to everyone. I hope to build a better life after this debt is gone.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    National Debt Relief was extremely professional, courteous and understanding of our situation. After the first phone call I felt I was finally making the change necessary for a better financial future for my family and I. The people who worked with me to get signed up were amazing. They made me feel comfortable and they were super easy to talk to.

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    Customer ServiceStaff

    Reviewed Dec. 12, 2017

    The client service rep and welcome call rep were very patient and helped us complete this process in a stressful situation with a lot of doubts by giving us time to process and completely understand how this works... thank you!!

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    Customer ServiceStaffProcess

    Reviewed Dec. 12, 2017

    The representative spoke clearly and covered all the information. She was able to answer all of the questions I had and reassured me that we would finally be out of debt. I feel comfortable with the process and would recommend National Debt Relief to any of my friends.

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    StaffTransparency

    Reviewed Dec. 12, 2017

    I got too much credit, then Hurricane Irma hit me and I got a lot of damage in my house. My friends told me that NDR is good. I saw NDR online a couple of times and they were my first choice. When I enrolled, they told me the deal and sent me the contract. They paid those credit cards and it's proving good so far. My negotiator was very good. I was very comfortable working with him. I was a little confused sometimes but they connected me to the big boss and she explained everything. With NDR, I got no headaches and no more stress. I just started but everything is okay.

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    PriceStaff

    Reviewed Dec. 12, 2017

    I needed help so I reached out to National Debt Relief. The few reps that I talked to were nice. They answered any questions I had. So far, there’s one or two that are pending and they might have settled one of them. The cost of service was okay, but they keep asking for more and they wanted to change the price than what it was in the beginning. When I asked, they didn’t really have much to say. I pay three hundred and some now, and then for one of the settlements, the one now, it’s an extra $300 and I can’t afford that.

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    PriceStaffProcess

    Reviewed Dec. 12, 2017

    I decided National Debt Relief may be the answer to my problem after seeing them advertised on TV. I worked with Kaylee almost through the whole process and she was very informative. A lot of people you talk to in cases like these are gung ho, but she seemed to know what she was doing. The cost is reasonable and the program has worked very well so I’m satisfied. They’ve gotten four of my accounts agreeing to a pay-off type thing, and they’re working with the other ones as well.

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    Customer Service

    Reviewed Dec. 12, 2017

    I was changing jobs and I had credit card debt that I wanted to pay off. Based on my search, National Debt Relief seemed to be the one with the best rating and reviews. They signed an agreement that they would pay off or we would pay off the debt together. They would talk to the credit card companies and negotiate a settlement, and we pay that settlement from my bank account where I deposit my money. They call me any time they reach a new settlement to see if we accept, and they have kept in contact with me when needed.

    Their payment plan is very reasonable. They based it on a percentage of the debt that I owe, and I needed to move the payment out to a different day because I got a different job which was better but my pay schedule had changed. They worked with me on moving that and it’s been very good. They’ve also given me options. There was a resettlement that I had to do right away where the company was going to sue me, and NDR moved their fees so that we could get that taken care off right away.

    Now I’ve paid off almost $20,000 in three to four years, and it's reduced my stress level quite a bit. I could’ve filed bankruptcy and we wouldn’t be in the situation we’re in now, but we had to pay the debt back which is important to me. The experience with National Debt Relief has been much better than I experienced with the credit card companies. They have taken that weight off my shoulders. I would only suggest to get a call maybe once a month, even if there’s no new settlement that has been reached yet by one of the companies that I owe money to, to let know that they are working on it for me.

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    Customer ServicePriceStaffProcessTransparency

    Reviewed Dec. 12, 2017

    I lost my job and went on unemployment. Some of the bills were too high and I have a mortgage to take care of and so I called National Debt Relief up. I asked questions and they gave me a good answer so I went with them. I've been in the program for five months and I'm happy with NDR. Working with them takes a big load off my shoulder.

    The total process is going to take close to a year. It’s going fast because some of the companies said, “Okay, yeah, we can work with you guys. Instead of $1,000, let’s do $600." It’s working out great. My credit is gonna go down but that’s only gonna be for a couple of months and then as soon as we pay out one debt, it would take more than a month to get it up there.

    The first guy that I talked to was great. He answered all my questions then after that, I went to another. The rep explained how the process was going to take and how they were gonna do it and that if I make more payments, it will be easier. They also worked with me for my payment plan. They asked me how much I can pay. I told them I can do $150 and from there we created a plan. They were friendly and they provided good customer service.

    The cost of service is reasonable. National Debt Relief is helping me out. They always sent me e-mails about updates. If there’s a problem, they will send me an e-mail to call them right away. I call them and we take care of that situation. In the beginning, I was stressing out a lot. "How am I gonna pay this?" "How am I gonna pay that?" Before I can’t sleep because there’s a payment or the mortgage. Now it’s okay. It’s kind of scary at the beginning because you're giving all your information out. It’s hard to give your Social Security number out, your birthday, etc. But we have to go forward if you really want to make your life comfortable and be debt-free. It’s worth it. I’d recommend NDR's program to everybody.

    .

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    Customer Service

    Reviewed Dec. 11, 2017

    Just starting the program. So far my experience with customer service has been great. Charles was very descriptive and detailed information provided... Now to start, and get my credit rebuilding. Thank you and I look forward to being caught up on my debts.

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    Staff

    Reviewed Dec. 11, 2017

    Easy Going company with very important information about debt consolidation. I would never have been able to get out of debt as soon as I did and I'm the only one who put myself there. Legal team was very helpful in what to expect from the creditors.

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    StaffProcess

    Reviewed Dec. 11, 2017

    Wonderfully helpful people to take me step by step through the process were greatly appreciated. I would highly recommend this service to family and friends. I look forward to finding my way to being debt free in a much shorter amount of time than I would have on my own.

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    StaffProcess

    Reviewed Dec. 11, 2017

    Everything was quick, easy and understanding. The consultant Ricardo was very helpful and answered all my questions. It was never a force to decide the decision. Very flexible with their time and understanding as well. They made the process convenient. I’m happy with the experience.

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    StaffTransparency

    Reviewed Dec. 11, 2017

    Joe ** helped me on my settlement and he is very clear and concise. He clearly explained me the things that I need to expect moving forward in settling my debts. I would like to have a debt free life and I am very hopeful that I choose NDR to help me and with an established team like NDR, I hope everything works fine.

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    Staff

    Reviewed Dec. 11, 2017

    Glen and Celeste at National Debt Relief were very professional and informative. They patiently answered all of our questions related to debt management and the best course for us to take. I would definitely recommend this service for all debt management questions.

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    Customer ServiceStaff

    Reviewed Dec. 11, 2017

    Very polite. Answer all questions asked. Would highly recommend to friend. Feel relieved to have been able to find help in a time of need. Both representatives were very helpful and kind. Very professional. Calls were spot on timing wise. Thank you.

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    Customer ServiceStaffProcessTransparency

    Reviewed Dec. 11, 2017

    Carlos was exceptional in explaining everything completely. He carefully and respectfully answered all questions and reassured me about all aspects of my program. Johnny welcomed me to the program, explained some of the matters I had further questions about, sent me additional information about legal matters, Fax numbers, and telephone contacts. This is an excellent program and I have just gotten started. I am excited to get it going.

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    StaffProcessTransparency

    Reviewed Dec. 11, 2017

    Carly was very helpful. She patiently and satisfactorily answered all of my questions and explained the process. Mostly, I appreciate the openness about the potential downside of participating in the program. It was honest and open. The Welcome Call was also easy and thorough.

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    Reviewed Dec. 11, 2017

    We recently had a debt of $18k resolved in just 6 months. This knocked out 60% of our enrolled debt. Highly recommended. We look forward to the coming months as we will have erased a very stressful part of our lives.

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    Staff

    Reviewed Dec. 11, 2017

    Everyone was great and very helpful. Very good with information and the best way to go about your situation. Hope there will be an app soon to help with looking at your account. Glad they were able to help me and know this is the step in the right direction.

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    StaffProcess

    Reviewed Dec. 11, 2017

    The program itself and the people are amazing!!! Staff is very helpful and informative. I am looking forward to getting a grasp on my credit for my future even though I never saw a light at the end of the tunnel until I enrolled in this program.

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    Customer ServiceStaffTransparency

    Reviewed Dec. 11, 2017

    Very friendly and awesome!! Great customer service and always kind and helpful. Always keeping up to date and making sure all my question are answer. The best experience and always recommended to whoever need to make a big change on their financials and debt free.

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    StaffProcess

    Reviewed Dec. 11, 2017

    Everyone I spoke with to get started with your program was amazingly kind and helpful! They all spoke as clearly as possible and made sure that I fully understood the entire process. Asked several times if I had any questions, just an overall pleasant process!

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    Transparency

    Reviewed Dec. 11, 2017

    Only satisfied with the service. I expected the negotiations to be a little quicker as I have the funds in my account. It seems they want the fees more than helping people get out of debt. Or at least explain to me why it is taking so long.

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    Staff

    Reviewed Dec. 11, 2017

    Igor ** was very helpful. He addressed all my questions very well. Terms I could understand. Thank You Very Much. He went over every detail of the contract and was very helpful. Very nice young man. Never made me feel guilty or like I was the only one who had to have help. His speaking voice right on point. I understood everything.

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    StaffProcessTransparency

    Reviewed Dec. 11, 2017

    Dairy and Alan were polite and helpful. They explained everything and answered all questions to my satisfaction. I understand all of my rights and obligations. I am very happy that I am able to get out of debt with this program.

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    Staff

    Reviewed Dec. 11, 2017

    Your employees are courteous prompt a noise in a great mood. There's never a time where I feel like I'm being judged due to the fact that I am basically in debt collection, your employees make us feel like we are just normal people on an everyday track to better financial prosperity.

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    Process

    Reviewed Dec. 11, 2017

    Taking a step into a direction that I was hesitant of doing, the individuals that spoke with me through this process took time to listen and address my concerns giving me assurance that this is a viable step for us to take due to circumstances that put us here.

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    StaffProcess

    Reviewed Dec. 11, 2017

    The members at National Debt Relief were fast, simple and helpful. They were easy to talk to which made me feel comfortable. The staff was very knowledgeable, leaving room for questions and patient throughout the whole process. I would recommend National Debt Relief to everyone.

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    StaffProcess

    Reviewed Dec. 11, 2017

    My experience with National Debt RELIEF, "relief" being the operative word, the moment I contacted the company and interviewed agent Orion I felt immediately relieved, because of the information he shared, I felt empowered to move forward. Since then they have been quiet, professional and active (something our government could use) recently settling two debts. The process is SEAMLESS. I am very optimistic about the outcome, just two months into the program. NDR Rocks.

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    Staff

    Reviewed Dec. 11, 2017

    The staff at National Debt Relief has been very polite patient and informative. I feel secure knowing that there is a qualified team on my side and it's nice to know that there is a solution to my financial difficulties. I would recommend this company to friends and family.

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    Customer ServiceStaffTransparency

    Reviewed Dec. 11, 2017

    The call was handled professionally and completely by your representative. The details of the offer were explained clearly as were my questions pertaining to any future tax liability. I felt that the representative was very informed and encouraging regarding our situation.

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    Reviewed Dec. 11, 2017

    National Debt Relief had good reviews so when my brother has credit card debt he got them to reconcile and pay off his debt. They had told us that it was going to be three and a half to four years. They’re definitely going to save him some money and the structure that they have is set up in a way that if you make a payment to them then they’re going to work on your behalf to settle some of the debts or hopefully all of them. But I understand they’re in business to make money. I looked at the numbers and what we would have paid if my brother can pay it off right now, which wasn’t an option for him. It’s less than what they represent.

    If my brother could or I have the time to do it then we could try to negotiate with each one of the creditors but there were over 20. It wasn’t just a few. We had a lot of activity initially but there's not much activity lately so we're getting a little bit concerned to the point of contacting them. But so far National Debt has been good. They have settled around six accounts out of maybe 22 so we’re almost a third of the way there.

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    Staff

    Reviewed Dec. 11, 2017

    The representatives were extremely helpful and didn't try to pressure me into anything. They answered all my questions and didn't rush me and made sure I fully understood what I was getting into, and gave me realistic goals and expectations. Overall I feel National Debt Relief will help me turn my life around financially. Thanks.

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    Staff

    Reviewed Dec. 11, 2017

    I at first was scared things wasn’t going to work out but things are starting to work out and you have a happy person. I am ready to get back out of debt and get every one of my bills paid. I had a Huge tumor in my head and started worrying about my debts and I thank you guys for helping me.

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    StaffProcess

    Reviewed Dec. 11, 2017

    He went through every step to make sure I understood everything. Any questions that I had he answered them. Very friendly and he genuinely cared about getting me debt free! The process is very easy. I would definitely recommend to a friend that is in financial trouble.

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    Customer ServiceStaffProcess

    Reviewed Dec. 11, 2017

    Patrick ** was very good in explaining how the program works and he got back to me right away if I had any questions. Every time I emailed him he got right back to me. He helped me decide what's best.

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    Customer ServiceStaff

    Reviewed Dec. 11, 2017

    Wonderful to work with. They had knowledge to help us in just the right way. Quick response time, and knew the answers to all the questions that I had. Cared and wanted to help us with our problems when no ones else wanted to even talk to us. Thanks for everything.

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    StaffProcessTransparency

    Reviewed Dec. 11, 2017

    Everything was explained to me clearly, and the whole process was stress free. The representatives were very calm, and professional. The representatives didn’t seem too happy or personable, but at least professional. I have a sense of relief now, I’m so glad they’re going to help me.

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    Customer ServiceStaff

    Reviewed Dec. 11, 2017

    I would really rely on debt relief to friends and family. They really helped me out on my debt. Thank you all for your dedication and help in my situation. My experience with them was very easy. The agents were friendly and very knowledgeable. They addressed all my concerns and responded to my calls and emails in a timely manner.

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    Staff

    Reviewed Dec. 11, 2017

    In only one year more than half of my credit bills have been dealt with in beautiful fashion. There are very nice people to work with and will help you solve any problems you are having. Also they are 100% trying to help you get out of the debt you are in.

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    Customer ServiceStaff

    Reviewed Dec. 11, 2017

    The person I dealt with, Stephanie, was so patient, answered all my questions, and did not make me feel bad about my debt. The person on the welcome call was also nice. Overall I'm relieved and happy and got great customer service.

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    Customer ServiceProcess

    Reviewed Dec. 11, 2017

    National Debt Relief provided me a service to get rid of my credit all at once. The enrollment was easy. I just had to call and give them my information and they paid off all my credit. I've been in the program for about eight months and it's going a good a direction. I’m in it for two years and all throughout I would do two payments a month. They squared it up for me so it's easier. They take care of things when they can. And then they would phone call whenever they need to tell us about the debt. They're taking a good chunk of the debt away and I’m very comfortable working with our negotiator. It's still so long up to the end but I would definitely recommend National Debt Relief.

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    Online & AppTransparency

    Reviewed Dec. 11, 2017

    When I called National Debt Relief, the rep went through the enrollment steps. We got into their 48-month program and we’re now on our 9th month. We got a couple of items taken care of. However, it takes longer than how we were expecting it to work. Right now, I'm still waiting for the others to get completed and waiting on NDR to negotiate the other items. And they keep saying they're still working on the other ones, and I’m not sure what that process is because there's no update on their website. I have 7 items that I'm working on. But they said they're only doing the two, and I don't know if they're talking to the other ones. I'm worried and I don't want to sit there in the process like I’m going to get a letter soon from the attorney. I wish they would have been more clear upfront on how the process works.

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    Customer ServiceStaffProcess

    Reviewed Dec. 11, 2017

    I was struggling from check to check and it became a little more than I could handle. I didn't know what to do. I was only paying the minimum and my debt was growing. I did some research and came across National Debt. They had a better rating and based on some of the reviews, they seem more caring about you as a person as opposed to just trying to get you out of debt. They didn't focus on you as a bad person because you were in debt. I used their debt consolidation service and it's been great ever since. I know they're taking care of things and they've relieved me from the stress of the calls, mail and all that stuff.

    I signed up over the phone and they asked a few questions to see if I qualified. I told them about my debt and my struggles. It was a quick process. They're doing negotiations on my behalf and they keep me in the loop. I get emails from them and there's a website I can visit to check the status of my account. I talked with the counselor about how we got there and how we're going to move ahead. I was told that if I had any questions, I could call and they would answer my questions.

    They've been really helpful and they are on top of everything. The negotiator addressed my concerns about how does this program work. I've read the literature but I had some questions. They answered my questions so that I'd be comfortable with them. I didn't think it was a rip-off, just taking my money and doing nothing for me. I want to be debt free and if this is what it I need to do, then that's what I'm going to do.

    My payment plan was based on my income and expenses. They came up with a dollar amount that seemed reasonable to me. When I look at everything that I was spending in a month, it was more than that and that was my problem. It seemed fair and reasonable that I could still survive on my income. It worked really well for me. I went on the program this year and they've already cleared two accounts. Normally, it's a process and even NDR was surprised that it was that quick. It's been a positive experience and I would highly recommend it to anyone that needs relief. I'm happy I did it.

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    StaffTransparency

    Reviewed Dec. 11, 2017

    National Debt Relief had the best reviews when I looked them up. I got in a consolidation program wherein they narrowed down less than what we had to pay. Enrolling with them was pretty easy to do and it's cool when we got them. I’ve been with the company for about six months now and the service is great. Their rep was a nice guy and he explained a lot of stuff to us. This company helped in getting my credit cards paid off and it had a good impact on me. I’d recommend them.

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    Customer ServiceStaff

    Reviewed Dec. 10, 2017

    James ** did a great job explaining every detail to my husband and I. He was understanding and listened very well to our questions. So far I am loving the customer service the program has and I cannot wait to pay off our debt. Thank you very much. Have a Happy Holiday!

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    Customer ServicePriceStaff

    Reviewed Dec. 10, 2017

    I wanted to cut my debt and pay it off and my goal was to get that done in a time frame of three years. When I heard about NDR on the radio, I called them and they called me back. I liked their plan and I wasn’t going to pay any exorbitant fees to them. It was relatively easy to enroll in their program. All I did was do an interview where I laid out what my income was, what my debt ratio was, what money I had coming in and my employment history. They got me approved for a certain amount that they took out and we agreed to it. Then they started working on it right away. Their plan of taking money out was good. They’ve been very successful at getting my debt reduced and paying out several of my debtors already.

    The NDR team has been very good, very courteous and very knowledgeable about the programs. All of them are very well-trained and they’re doing a great job. I'm very comfortable working with NDR. When I state what I need, they get it and make it happen. They looked at what my expenses are versus my income, my income to debt ratio, and figure what excess money I’ve got. Based on that, we arrive at an amount of so many hundreds of dollars per month. They saved me about $2,000 on one of my big creditors which is now paid off. I've been in their program for a year now. They are paying another one right now and they’re on target in paying everything off within the three-year time plan. It should work out well. I had a bit of an income dip but that didn’t seem to bother them. I told them to continue on with the money value we have now and that worked fine.

    NDR called to update me a couple of times to see if I could come up with an additional batch of money. They reached a negotiation with somebody but it was based on being able to pay out a certain amount. I told them that I don’t have that money and so they said that they are going to renegotiate. Within 20 minutes, I got an email back saying that they have renegotiated under a payment plan with my creditor, which I approved and they went forward with it. I also check online occasionally to see if I have any money in there and that they’re paying it off. It's going from the amount they take off every month to paying off another loan and having $3.00 in there waiting for the next amount to come in. I go with what I have.

    Their cost is right in the middle. I pay a few dollars a month for support of legal fees, if necessary. But anytime I had an issue with any of my creditors at the very beginning, I tell them who I was with and who to call, then there would be a minimum of creditors calling me a second time. I work off of a salary that’s on a bonus structure, so I’ve been able to not only pay off my debt but I have a little extra money available, and that’s been good for a vacation here and there. Overall, NDR has taken the stress off.

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    Staff

    Reviewed Dec. 10, 2017

    So far it has been helpful as far as lessening our debts which is a plus with your services provided. The only concern on our part is that our credits have been reported by the creditors and ones that are settled are taking time to delete our records even if they are paid in full. Thank you so much for your outstanding service. Yes it has eased our financial burden but still we are also dealing with paying off other creditors that do not accept your program.

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    Staff

    Reviewed Dec. 10, 2017

    Everyone was very helpful and thorough through my entire experience of setting up my account. I am happy to have chosen such a great company to help me through this difficult time. Thank you for helping me get back on my feet. I am happy with my experience thus far.

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    Customer Service

    Reviewed Dec. 10, 2017

    National Debt Relief customer service is exceptional. I felt very comfortable discussing my debt challenges with my rep. The harassing phone calls from my creditors have stop, now see light at the end of the tunnel. Thanks National Debt Relief.

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    Process

    Reviewed Dec. 10, 2017

    Marc was great with helping me process everything! He even let me adjust my payments to where I can pay more each month and knock my debt out quicker. So far it’s been a great experience. I can’t wait to see the changes. He said I’ll see a difference in my credit within 90 days. Very satisfied.

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    Customer ServiceStaffProcess

    Reviewed Dec. 10, 2017

    The first person that I spoke to was a little bit more sales pitchy than I expected. And the first month was the roughest but once National Debt Relief started contacting people, the call from creditors didn’t happen anymore. It was slow in the beginning because they won't start negotiating with people until you have enough money in your account. But so far, they’ve cut down about a half of what I needed to pay. They tailored the program to the person. How much you're able to spend monthly dictates on how quickly you can get out of the program. Mine for instance is three years, and I've been able to put more money down because once I stopped paying the creditors directly and gave all of the money to National Debt, I'll probably finish within the first year on how much they were able to drop it.

    They've been able to accommodate anthing that I've asked except for the one time that I asked if I could choose the creditor that I want to be paid off next, but they didn't want to go for that. But I understood them because if they wait for an account that has thousand of dollars in it, a few months could mean the difference of being sued.

    I was going through a divorce which put me in this situation and I have a really bad lawyer. But National Debt Relief definitely helped me out. I haven't met with the negotiators but I normally talked to the customer service representatives to leverage the notes on the account. Everybody touches the account and leave notes in stating where they are in the process, and you can contact them any time from Monday through Friday to see what's gone off the account. I make a fair amount of money and their payment plan put me right at a good spot. It's a simple program and it works.

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    StaffProcess

    Reviewed Dec. 10, 2017

    Everything that could go wrong did go wrong for me this year but the process with National Debt Relief was one that was really easy. It was one of the simpler tasks that I've done this year. Enrolment was extremely easy because there was a guy there who was extremely professional. He took care of everything. I just sent him my bills and he took care of the rest. They really took the time to listen to what it was that was going on with me. They kept in really good contact and that was very important to me at that time. I would absolutely recommend them. They have helped me a great deal. I'm planning on calling them on Monday, but I'm hoping that they would be able to work with the IRS as well because if they can work with the IRS I'm going to stick with the program.

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    Customer ServiceStaffProcess

    Reviewed Dec. 10, 2017

    I heard from other people that National Debt Relief was one of the best ones to hook up with. I did enrollment over the phone, and the people that I spoke with were very helpful. They did the best they could, and it worked out very well. I’m very satisfied with them. I’m probably about three-quarters of the way through the process and it was easy overall.

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    PriceStaff

    Reviewed Dec. 10, 2017

    National Debt Relief contacted me when I was drowning in debt. My payments were piling up from paying all the bills and so I decided to let them help me. I got very good service from NDR because now, my credit is getting up again. However, everything could have happened faster. Whatever they're doing now, they could have done it earlier, which is trying to help me save by taking that loan. But the whole experience wasn't hard at all. They really helped me and have been pleasant. But there are the things that I wanted to talk to them about like how much does the service cost me because I was paying over $1,000 a month in credit card debt. They told me to go on the website but I wanted to speak to someone regarding the conclusion discussing what happened and how it happened. But overall, it was a good idea to join National Debt Relief.

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    Reviewed Dec. 10, 2017

    I was in a lot of debt, and we couldn't pay off the credit cards. National Debt Relief gave me amendable payment on each month and I'll be able to get a lot of that debt gone for four years. I get emails updating me on the credit card debts they came to agreements. I also go on my portal and check out what's going on and they seem to be doing a good job. They were able to talk the credit cards down from what I owed to settlement. What I'm paying them every month is less than what I was paying my creditors without them.

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    Customer ServicePriceStaffProcess

    Reviewed Dec. 10, 2017

    After seeing the commercial for National Debt Relief, I got online, did a little bit of research, and then I gave them a call. Everything has been awesome and everybody has been great. One time, I had to call and give them the okay. The rep talked to me about the options that I had and different stuff. It wasn’t the best time to go with that one because we had just started doing the process a few months ago and we didn’t have much in the account. Still, they walk me through everything, tell what's what, and don’t give the runaround.

    Our debt was $30,000 and they got it to $15,000. So far, the one that they have settled with actually took less than half of what was owed so that's a plus too. I'm glad we did it and that they could help us because after we did it, my husband was out of work. And I didn't have to worry that I got to pay people and about the late fees. It was amazing. And, I don’t care about the cost of service as long as it's working. The cost is still way less than what we would be paying before. Also, I've told a few people about National Debt Relief. I told them that they're the best thing we ever did and everybody there works with me. They inform me and even though my credit has gone down a little, it's got to be done and it's totally worth it in the end.

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    Customer ServiceStaff

    Reviewed Dec. 10, 2017

    My experience with National Debt Relief has been great so far. I first saw them online and their reviews got me decided on them over others. I enrolled in the consolidation program through a quick phone call. They told me what needs to happen, asked if I’m okay with it and then we went with it. It was easy. I’m five months into the program. Working with them takes the stress off. The fees are a little high, though. But I’d tell friends to go for it.

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    Reviewed Dec. 10, 2017

    I was having some issues with some credit cards’ interest rates and I ended up reaching out to National Debt Relief to see what they could help me with. I decided on them over other companies given their communication - they are easy to talk to and they communicate clearly on a lot of possibilities. I was aware of everything they could offer and what the plan was. Then I made a couple of phone calls and I provided them with some information. They returned a couple of electronic communication back and forth and I was able to electronically sign some documents. It was an easy enrollment. And then, they keep in touch. They email and call me as they have updates regarding my account with them. So far, they’re able to deliver what they had promised.

    My payment plan was a leverage between my total debt and income and ability to meet where I don’t meet them. And the program works well for me. I am about 70% done with it. I was able to pay off the credit cards that were falling behind and not get eaten by the increased rates anymore. I was able to set my financials back on track. Working with NDR has impacted me positively and I have recommended them to people who are on the same path as I was.

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    Reviewed Dec. 10, 2017

    I got too far overhead and I wanted to get rid of all the credit cards and so I just basically started looking around and came across National Debt Relief. I decided to have them because of the time it would take for me to actually be done with the credit cards and the monthly amount that I’d pay. There are programs where I’d be five years down the road before I have it all paid off and the payment double what I'm paying right now.

    Enrollment was also relatively a simple process. They ran my information and asked me questions why I want to do what I’m doing and then we moved on from there. It took a little bit to get the program kick-started. There’s a certain amount that they’d like to have in a special account before anything really starts kick-started and I can understand that but in a way nobody’s really gonna bail on a program like that. I thought the program was going to start right away and within the first few weeks they would respond back.

    But they have their own way of doing the payments and I was happy with it. I'm approaching my 8th month with them and it's been real good. I'm also comfortable with their staff. I was kinda leery at first but once the program actually kicked in I had seven credit cards and I'm down like four of them now. Three of them are paid off. But they could lower some of the fees that they charge. I know they know different tactics that more general people don’t know so you get what you pay for, I guess. If you want something done, sometimes you gotta pay for it.

    I am able to save money and get caught up on my bills because I actually had to go in May and have surgery on my shoulders so that helped a lot. And now I go back on Monday for another surgery on the same shoulder. I would tell a friend who would ask about National Debt Relief to give them a call and see what type of program would work best for them. My neighbor was going through a divorce and fell on hard times. He got stuck with all the debt and he couldn’t pay it and I actually referred him to them and he’s doing good in the program also.

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    Reviewed Dec. 10, 2017

    I thought National Debt Relief was going to help me with my debt's interest which was piling up. When they reached a settlement, they called me and then I had to come up with the amount of money that the person that I borrowed from want, which will either be in one or three installments. I've already paid three of my creditors but now I'm at a point that I might drop National Debt Relief because what I have left isn't much that I can’t handle on my own. NDR, however, waits so long before they start to negotiate with debt collectors. That makes the person's credit go bad. Instead of trying to tell the creditors that people are with them, they wait until it's few months due and then negotiate, which sucks for us people who like to keep our credit clean. Also, it seems that they don't help much with the interest. I'm still paying interest on things. All in all, my experience with them is fine.

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    Reviewed Dec. 10, 2017

    I’m happy with what National Debt is taking care of. I couldn’t keep up with all my bills and I was getting deeper and deeper into the hole. My friend at work told me that she had gone to National Debt and how much it had helped her, and talking with her made me decide to go through with it. Everybody I’ve dealt with has been sincere. They’re very nice to talk to and every time I have a question, they do their best to answer it. It has been a great experience, and I would recommend them.

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    Reviewed Dec. 10, 2017

    I was pretty confused on what to do with my situation. I was considering filing bankruptcy. I looked up National Debt Relief online and went with them for their star rating. Enrolling was pretty quick and easy. The people there are very helpful, understanding and realistic. I’ve been with for almost a year and I'm very satisfied with the program. They’re really fast with communicating and they protect me from being harassed. I am particularly impressed with their friendliness. They stay in contact, too. Moreover, they've taught me how to take control of the situation. I am a little bit more relieved since working with them.

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    Reviewed Dec. 9, 2017

    Parker ** was great. He continued to call me after our first conversation ensuring that I can proceed. This helped me because at first I was not going to go through with it. He was persistent in giving me constant detailed information about the program as to why this would be the best option for me in this situation.

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    Reviewed Dec. 9, 2017

    I was extremely happy with my service, so far, at NDR. I NEVER felt pressured during the whole process -- which took a while due to me dragging my feet. I researched and talked to eight other serves in the process. NDR was by far the best.

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    Reviewed Dec. 9, 2017

    I did not know the program was real. I had peace of mind with a very reliable company. Will recommend the program to anybody. I wish I had known about this for a long time. I would have been debt free by now. No more harassing phone calls by my debtors. Now I can answer my calls which I was not doing before.

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    Reviewed Dec. 9, 2017

    The National Debt Relief Team is very resourceful, knowledgeable and expedient. Always looking for the best interest of the clients. Customer service is very friendly and answers questions in a courteous manner. I would recommend the program to anyone needing financial help.

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    Reviewed Dec. 9, 2017

    I went with National Debt Relief because after talking to 4 or 5 companies, they were the ones who said they'd work with my creditors to pay them each month once I made a full month's payment into the program. THIS IS A LIE! They tell you to stop paying your creditors and let you get MONTHS of late fees until you have 25% to 40% of the amount due and THEN they try to make your creditors settle for a lower amount. This is completely the opposite of what I was told and I even asked the rep outright if this is how they do it and I was told NO, it's not.

    Secondly, I signed up with them and checked off I wanted it taken out once a month on a specific day. Instead, they set it up being taken out every other Friday.

    This caused my account to be overdrawn because they not only took out the funds on THURSDAY, but on the 30th and I get paid on the 1st of the month. I called and a rep said they were very sorry, would refund the funds immediately and also cover the overdraft fees I was charged as it was their fault.

    5 days later and I STILL didn't have the funds back, so I called back again just to be told they don't refund without written request from me. SO I was supposed to email a request, something I didn't know and so I still don't have the funds back and THEN the new rep said it was MY OWN FAULT that the funds were taken out early and that I should've KNOWN that they'd come out on Thursday when it was coming out on Fridays and I hadn't authorized the bi-monthly payments.

    So, after being told last time they'd refund the overdraft fees, this one told me I was ** out of luck. The rep asked me if I wanted to continue with National Debt Relief because refunding the money was going to then change how much I had to pay monthly into the program and honestly, NO, I don't want to, but NOW I don't have much of a choice because now the credit bills I stopped paying -- AT THE BEHEST OF THIS COMPANY -- have been 2 months past due and NOW they're too much for me to catch up. They've ruined my credit, they've ruined my bank account, they've been a terrible, terrible company that I have no choice but to continue with because of the bind they've put me in. If I can, I will be OUT of this program as soon as possible.

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    Customer Service

    Reviewed Dec. 9, 2017

    I was called by one of my credit cards. They claimed they were never contacted by N.D.R. I called the customer service number and they guaranteed me they were notified and they reminded me of the script in case it happens again.

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    Reviewed Dec. 9, 2017

    I am very excited to join the program. I didn't know my debt consolidation includes store cards. I searched for a site on debt relief, and National Debt Relief came up in the results, so I made that call after I saw that your company was legit. I spoke with Olivia **, and she listened to me about my financial situation and was empathetic about it. She walked me through the entire process answering all of my questions. The company follows procedures that are spot on. Through your program I am excited to have this issue resolved in 3 1/2 years or less. Thank you Olivia!

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    Customer ServiceStaff

    Reviewed Dec. 9, 2017

    My experience with NDR was very professional and informative. Going forward, they agreed to answer questions about my account. Everyone that I spoke to was positive and upbeat about helping me recover from financial hardship. I would appreciate NDR not using my name in any advertising agenda.

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    Reviewed Dec. 9, 2017

    I pay a lots monthly but now I can stretch my budget. Thank you to National Debt Relief for helping me, they're the best and no.1 debt relief! I never had problem, they always in action when I needed them and easy to talk. Highly recommended.

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    Reviewed Dec. 9, 2017

    Just started but have been treated with respect and answered questions quickly. I look forward to working with National Debt Relief for the next 48 months to get out of debt! I will continue to see how this process goes.

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    Reviewed Dec. 9, 2017

    When I called National Debt Relief I was overwhelmed with student and other debt accrued during my early twenties. It felt like my debt was consuming me and keeping me from my goals. Upon calling, I was assured that I had options and could work with them to resolve my debt as quickly as possible. After a year in the program 85% of my debt has been settled and I was approved for a loan to pay off the remaining debt and allow my credit to rebuild. I am so thankful for the opportunity to resolve my debt and rebuild my credit!

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    Reviewed Dec. 9, 2017

    This is a good company for resolving debt. The reason for the 3 stars is for two reasons. First, I really don't like to give a rating until I have used a company for more than a year. Second, twice they have requested more money. The first time it was an amount that I could afford. This last time they requested over $300.00. They wanted more right before Christmas. They were good enough to back that amount to the end of the payoff. I am very happy that I am going into my 3rd creditor. They are really great with that. Maybe when everything is done maybe then I can give more stars.

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    Reviewed Dec. 9, 2017

    Everyone was very friendly and helpful. I was so worried about someone hearing all about my debts and judging me, but that didn't happen. Everyone has been super supportive and helpful. I have just been approved and the long road to recovery is up next. I feel confident that NDR will get me there!

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    Reviewed Dec. 9, 2017

    The representative gave me clear information and answered my questions very well. I was able to get all the forms needed and sign them while on the phone with them. Will recommend their services to anyone in need. Thanks everyone for all your help.

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    Reviewed Dec. 9, 2017

    I had a lot of overwhelming debt and I felt like it wasn't ever going to get paid or taken care of. Every single thing that NDR has paid, it's been substantially less than what I owed. One was $2,000 that they saved me then another one was $1,300. They've been doing justice with what they said they were going to do so I'm very pleased. They're always there to take care of me. I had one instance where I had to go to court for a case so I was a bit fired up. They said they're going to make it the first thing on their priority list, which I assume they did. But I got lucky, I didn't have to go to court because of a hurricane. I never even needed to pass through and go to court because they settled the debt. They sent my signature on the signed document with the payments over to the lawyer. They got everything taken care of for me. Then they walked me through it in a professional manner, letting me know what was going to happen.

    We do a lot of things over email so when they have a settlement set in place, they'll shoot me the email then I'll look at it. If I like it, I'd approve it. If not, I don't. I've never denied one and I've always approved them because they were always good from the get-go. The service NDR has provided couldn't be any better than it is right now. I've already recommended them to people who have credit and debt issues like I do.

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    Reviewed Dec. 9, 2017

    I read a lot of reviews and also spoke with National Debt Relief and they were really helpful. So I made up my mind to go with it because we needed the service. I enrolled into a debt relief program and it's been very helpful. Everything's going smoothly so far. They have been keeping me up to date. They always contact me through email or phone and they always ask before going ahead with any negotiation that reaches a result and whether it's accepted or whatever. I don't feel left in the dark. Instead I feel like I'm a priority. So I'm paying the money. And considering the quality of service I’ve received the cost is well worth it. I now have more financial freedom and so less stress. I'm really surprised and impressed with the experience. I'm comfortable with National Debt Relief and I would tell friends they can go with them too if they're behind on some bills.

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    Reviewed Dec. 9, 2017

    We had a lot of debt on our plate and we were needing to consolidate it all and get rid of it. National Debt Relief was the one we've heard the most about so we decided to check them out. Then, when we called and talked to them, it seemed like the logical thing to do. The enrollment process was super easy but it was a lot of questions. It seemed like they had everything at their fingertips. They asked the questions and we gave the okay, signed the documents and sent it back. It’s been a non-stress kind of situation. They just took care of it. When they’re ready to settle, they call us and we give them the okay, and then they settle. And then, we don’t have to worry about it until they’re ready to settle again.

    My interactions with their rep have been positive. Anytime I’ve had any questions or concerns, I’ve called and they’ve waited out in easy-to-understand terms and laid my fears to rest. It’s all been very stress-free which is good when you’re coming from a bad situation. I haven’t ever felt pressured or anything. They’ve asked me one time to up the payment plan but we couldn’t afford it and they backed off. We’re comfortable where we’re at and they know that. They understand that that’s where we’re going to be. It’s a lot easier to make a couple of payments a month to them vs. trying to fit 10 or 12 smaller payments to different places. It was a little scary at first because our credit got trashed really quickly. However, we’ve had two or three settlements now so our credit has gone back up and it’s slowly building. I was impressed with how quickly they got our first settlement which was within just in a couple of months.

    However, I would like a little more interaction with them. They don’t really interact with us unless they’re ready to settle so we don’t really know unless we get online within a week. Phone calls would be helpful. I know there are several people who felt that NDR abandoned them and dropped out from the program. We know better because we get online and look on a weekly basis, so we know what they’re doing. NDR made a big impact on our lives. They’re doing a great job. We don’t have to constantly stress and worry about money or debt collectors or anything like that. It’s a big relief off my shoulders.

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    Reviewed Dec. 9, 2017

    I lost my job and couldn’t pay my credit cards off. National Debt Relief was suggested by a friend of mine whose friend used the service, and they said it was the best decision they ever made. I looked into the company and saw the reviews, and it seemed like the best choice. The rep explained to me that they would be talking to the credit card companies to work on a lower amount that we could agree on that I could pay off, and then there’ll be National Debt Relief's percentage that I'd be able to get. They sent me the form to fill out and send back so that we could get started on the process, and he gave me a number I would be paying every month. He still answers my emails when I have questions. They were very informative. The beginning was everything and I wouldn’t change a thing. National Debt Relief is a really good service and their cost is reasonable.

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    Reviewed Dec. 9, 2017

    National Debt Relief has a good rating, so I went online to enroll and then I talked to somebody. I signed up with them January of 2017, and their service has been fair and I appreciate it. I was in critical debt and since working with NDR, I am paying off the debt instead of accruing it.

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    Reviewed Dec. 9, 2017

    We had credit card debt that was more than we can pay due to illnesses and different things. I did a search and National Debt Relief seems to be the most capable and they live up to that reputation. The reps were friendly and very efficient and the process of setting set up the loan was rather gentle. NDR has different divisions so you have to learn to work with different people, and then they send you a packet that gives all the information and people to contact so that makes it a little easy. I misunderstood their program not because they misrepresented, but because of a previous experience.

    I was a little disappointed in the process because it throws you down to a low credit even if you have really good credit, and we’ve had to live with that. From the other process before, I didn’t have to live with that and they were paying my debt off much faster and have saved us a lot of money with the negotiation. The NDR team doesn’t mind answering any questions and I was even a little upset that they didn’t get upset with me. They just said, “Settle down, I’ll tell you what we negotiated.” NDR saves you so much money in the high-interest rate that it’s well worth the wait. I have low-interest rate cards, to begin with, but for them to charge me interest is kind of a book deal.

    What they do is they charge you a monthly fee from which they take back something, and instead of siding their savings account, they use that to pay for future negotiations. Once they have zeroed out all of the loans, the budget belongs to NDR. That’s how they work, and it’s reasonable because it’s a percentage of the gross debt that they’re handling for you. And NDR has different companies. One company does the negotiation, such as loans, and the other company becomes your intermediate until the loan has been qualified. Then there’s a collection agency that does the process. Not one little branch of their company is handling the whole thing, so they really excel in their expertise.

    I was used to paying the monthly fee before but we never finished the process the last time because we sold some assets and paid the debt off. But I don’t want to do that this time because it’s hard to acquire those assets back. NDR managed to do that without depreciating any assets and they didn’t require a large down payment. It’s at the end of the loan, and when you stop and research it and analyze it for yourself, you realize that they’re being very fair and reasonable. They’re doing all the contacts and the negotiating, and they even have it planned now. You owe a small amount of money and they can negotiate that rather soon. For a large amount, they wait for those people to go into absolutely critical, wanting this debt paid before they negotiate so that they’re ready to settle for a lesser amount of money. NDR is very intelligent in how they handle things like that, and I like them.

    In addition, you’re getting letters about this collection. They say, “Well, just call us. We’ll make a note of it and that will go on our negotiation package.” And they’ll do it all and handle it for you so you won’t have to answer calls or you don’t get involved. I mark NDR pretty high as they’re very professional and they just execute what they’re supposed to do and that’s about it. They’re very dry but they’re out to do the job. They don’t like any distractions because they’re handling large debts sometimes. Ours is about $20,000, and I’m expecting they’ll call the cards because they were low, but NDR took all of them. They saved us $10,000 on the big card and that’s awesome. They have set up a system that works for them and I was blown away. Then they saved me $3,000 on another card and I hardly paid them anything.

    It’s hard to pay that monthly but they draft it out of your account and keep piling your money and rotating it, and they are very good at it. We’re elderly so I’m sure they’re trying to do the best they can for us. It is kind of disturbing as you go through the process because you’re really kind of stuck a little bit. When you stop to think about it, you’d think it’s really a short term. They said it would all be paid off in three years and they’re doing it in less than that.

    Also, NDR can write you a letter on how much the program is going to cost and how much you’re saving. They always inform you of the specific negotiable contracts for that particular negotiable item, and they never go out of it as they do this neat little thing every month. For me, National Debt Relief has done a good job and I’ll recommend them. Anybody that’s willing to kind of suffer the consequences which you would probably have to suffer anyway, and put your head on right, I think they would really appreciate how National Debt Relief is doing it.

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    Reviewed Dec. 8, 2017

    Very informative and easy to work with. I would easily recommend this company to anyone needing some credit help. The debt counselor explained the process so that I could understand and I am saving a ton of money with this program. I can't wait to be debt free.

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    Reviewed Dec. 8, 2017

    I was being denied left and right by debt consolidation companies when I found NDR. They have given me hope and comfort knowing I wasn't going to be trapped in debt for the next 30 years. The customer service has been amazing and I am very grateful that they know how to turn something very scary into a positive experience. There is finally hope.

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    Reviewed Dec. 8, 2017

    Very informative helpful in explaining things and even tho professional still personable. Thank you Steve and a couple other people who helped also. Very patient with me as I'm not too savvy on my iPhone in signing the documents. Thank you.

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    Reviewed Dec. 8, 2017

    My experience with both reps were great, as they know I am going thru hardship and having a hard time paying off my bills. I was little nervous at first, but now I feel good. I did not want to claim bankruptcy and now I have another option. Customer service excellent, courteous treatment, etc. I will always recommend friends and family to your company.

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    Reviewed Dec. 8, 2017

    I googled the best companies for debt relief and people had some good ratings about National Debt. I needed their service for my credit card debt, and signing up with them was easy. I am in my first year with them and I got two more years to go, then I'll be free. National Debt's representatives are normal people working for some people, and they seem to be reasonable. They're easy to talk to and they explained my options and the risk of my credit score plunging. They've been honest. And also, I could not make my monthly payment once, and they postponed it for a few days which helped me a lot.

    I would recommend people to go with the program that I went to, provided that they can get a better deal when they settle. From what I understand, if a company tried to settle for $2,000, National Debt gets another $2,000, which is a little too much. In my case, it was $17,000 and we did it for almost $400 a month and for 39 months. And if it wasn’t for their share that was a little high, it could have possibly dropped into 32 months.

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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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