National Debt Relief Reviews
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About National Debt Relief
National Debt Relief is one of the largest debt settlement companies in the U.S. Founded in 2009, National Debt Relief negotiates with creditors to reduce how much you owe on unsecured debts such as credit cards, personal loans, medical bills, private student loans and collections. It offers personalized plans to help you resolve debt, along with support from dedicated debt specialists.
- Free consultation with debt coach
- Free debt relief quote
- Numerous accreditations
- Professional and responsive customer support
- Easy enrollment process
- Fees can reduce overall savings
- Not available in all states
National Debt Relief Reviews
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Reviewed April 20, 2026
I am submitting this complaint regarding a company operating as a debt consolidation and/or debt settlement service, which also represents itself as a law firm based in New York. I enrolled in their program with the understanding that they would negotiate and settle my outstanding debts in a timely and effective manner, in exchange for a percentage-based fee contingent upon successful settlements.
However, my experience has been materially different from what was represented: The company collected approximately $6,500 from me within a short period of enrollment. Despite these payments, only one account was resolved, totaling approximately $800. The company claimed to have “settlements” on 4 out of 12 accounts, yet minimal or no meaningful payments were made toward those accounts. The majority of my funds appear to have been retained by the company as fees rather than applied to my debts. Significant delays in negotiations resulted in increased balances due to accumulating interest and penalties. Based on my experience, I believe the company may have engaged in deceptive and/or unfair business practices, including but not limited to:
Charging or retaining excessive fees without achieving meaningful debt resolutionMisrepresenting the timeline and effectiveness of their services
Failing to act in the best interest of the client while continuing to collect payments
I cancelled my participation in the program within a few months due to lack of progress and concerns regarding their conduct.
Thank you for taking the time to share your experience. Your feedback has been sent to the appropriate party who will be able to assist you.
Sincerely,
National Debt Relief
Reviewed April 20, 2026
Representative was very professional and readily answered all of my questions. He took the time to go over my debt and what will happen in the upcoming months. Also I was concerned about my credit union and he told me that I could call them to ask about them taking out more payments.
Reviewed April 19, 2026
I called and talked to somebody at National Debt Relief. They explained everything to me and it was perfectly what I needed. I went with them and it was a great experience. They walked me through everything and helped me do everything. I worked with two people, and they were great. This is the first time I've ever done something like this and there was a lot I didn't understand. But my experience was painless. I wasn't embarrassed. I felt good after talking to them. They walked me through everything before I even chose to do it. I didn't feel stupid. They explained it to me in a nice way. They told me exactly what would happen and how it would happen and it did. It was perfect. I even got a little bit of money back, which is pretty cool. I already talked to a couple of my friends and I highly recommended National Debt Relief.
Reviewed April 18, 2026
I’m impressed with the quality of service I have received. They are up to date with their customer service information. They also have great debt relief programs that help you to have counseling programs available.
Reviewed April 17, 2026
I am so glad that my Sister told me about this program. They are helping me get back on track and become debt free. I have been on this program for less than a year and they have settled a couple of debts for me. I would recommend this program to anybody that is dealing with lots of debts.
Reviewed April 17, 2026
So far only 3 resolutions in 4 months. Not too happy. I have a creditor threatening to sue me, and do many creditors phone calls daily. I feel defeated. I was under the impression it would be resolved faster.
Hello,
Thank you for sharing your feedback. We understand your concerns regarding the time it is taking for additional settlements, but would like to remind you that we advise that negotiations typically begin 4-6 months after enrollment to allow for funds to build to pay the settlements. Your 3 settlements in 4 months is already ahead of schedule! A member of our client success team will be giving you a call to review your program and concerns.
Sincerely,National Debt Relief
Reviewed April 17, 2026
National Debt is a good company trying to help people. It just is a slow process. They should be the company to give you the loan things could go faster. And not to have a saving account. The longer it takes the lower your credit score goes down.
Reviewed April 16, 2026
Jennifer ** was truly helpful, understandable, knowledgeable, caring & polite. She made me feel comfortable & at peace. I was truly amazed. I would recommend NDR to my family & friends. Thank to Jennifer **.
Reviewed April 16, 2026
The enrollment process with National Debt Relief was easy and simple. I talked to more than one of their reps, and they got that beautiful accent like Florida accent. They did made me feel comfortable. At first, I was excited I was getting a big refund, but I did realize I was not. Still, I was satisfied. I delayed a payment, and they were patient. Also, I get full access of their website. I can check anytime I want.
Reviewed April 12, 2026
Was extremely satisfied with the information and assistance getting through the process. I was very nervous about talking about my finances and he made me feel very comfortable and help to realize that my problem was not just me. I’m now feeling hopeful that I can get back in control of my finances.
Reviewed April 12, 2026
The information given was explained precisely and clearly. You can ask questions and given time to consolidate your debts. No pressure regarding the beginning-to-end time for the assessment. This whole experience of knowing that I would have some relief and pressure from owning debt.
Reviewed April 11, 2026
Outstanding services made everything super easy and unstressful! 20 out of 10 stars! Highly recommended especially Mrs **! Look forward to using their services. Very informational with the process and how it works!
Reviewed April 10, 2026
Jason was a tremendous help! Very professional and answered all our questions. Jason walked us through the process and presented program options that we were able to review and make an informed decision.
Reviewed April 10, 2026
Rating is A 5 star rating. I am very satisfied with the help of this program service. Jason B. was a great person with an outstanding personality and had all the knowledge and patience to help me in order for me to apply. Thank You.
Reviewed April 9, 2026
Christopher was very kind and patient with me as we did the whole process to get me qualified. I have told two of my friends about your program, and they are thinking about it. I am so grateful for your service and support. Thank you.
Reviewed April 9, 2026
My experience with Jason was exceptional. He was insanely knowledgeable, kind and non judgmental. He made me feel comfortable to discuss my finances with him and to start clearing my debt one week at a time.
Reviewed April 8, 2026
It’s my pleasure to give thanks to all staff/customer service. Especially to Johannes, who helped patiently to go through this process. He did an excellent job. Well done Jo! Also to Mylene (customer service) went through the my portal to explained everything I need to do. Great job! More power to your company helping people in honest way and life changing. God speed!
Reviewed April 8, 2026
Jason ** was awesome, he was very thoughtful and explain the whole program for me. He reassured me on what I will be getting helped with from the program and removed a weight off my shoulder. He walked me through the program and told me the NDR is the best program out there and I TRULY believe that it is.
Reviewed April 8, 2026
Mike ** was very informative and patient as he explained how the debt relief process worked and answered every question I had. I've been in financial hardship for a long time, now I feel like I can start breathing again.
Reviewed April 7, 2026
Jason ** Did an amazing job, explained everything and answered all questions. Set up account and walked me through everything. Explained all the details. Got payments started at a good date. Gave all contact information
Reviewed April 6, 2026
I cannot say enough good things about my experience with National Debt Relief! From the very first conversation, I felt heard, supported, and never judged. Their team took the time to explain every step of the process in a way that was clear and easy to understand, which immediately put me at ease during what was otherwise a very stressful time in my life.
What really stood out to me was their professionalism and genuine care. They were always available to answer my questions, kept me informed throughout the entire process, and made sure I felt confident in every decision I was making. It never felt like I was just another client — they truly cared about helping me regain control of my finances. Thanks to National Debt Relief, I finally feel like I can breathe again. I have a clear path forward, less stress, and a renewed sense of financial stability. If you're feeling overwhelmed by debt and don’t know where to start, I highly recommend reaching out to them. They truly changed my life for the better!
Reviewed April 5, 2026
George took the time to understand my situation and physical handicaps. He explained the contract to and with me. He explained about the legal part and how they would back me up. He was very thorough. I felt a lot better than when I had talked to another company. Thank you.
Reviewed April 4, 2026
Jason ** was a great guy to deal with! He gave us great advice and helped us get our heads above water! We will definitely recommend to anyone who is needing help with debt. He is a very down to earth and humble man and was very easy to get along with.
Reviewed April 4, 2026
Had a very good experience with Jason, very straightforward, told me how it is and where I was, and what was reasonable and what wasn’t. I’d recommend to family a very reasonable time difference and pay off amount from what credit cards are asking.
Reviewed April 2, 2026
Extremely helpful and left me with peace of mind! I feel like I’m finally getting my life and finances back on track. What a relief! Can’t wait to be debt free! So easy. Took a little bit of time but very worth it!
Reviewed March 31, 2026
Diana was knowledgeable and has a good customer service. She was patient in explaining everything. She answered all my questions and was satisfied that made me go to this program to help me with my debt.
Reviewed March 29, 2026
Hello, I am Marcel ** and I do appreciate this company who represents me so well. Seems every time I call that my questions are resolved and any negative emotions seem to subside. I feel that they are very professional and well informed as to establish clarity to my concerns.
Reviewed March 25, 2026
I want to share my experience so others fully understand what they may be signing up for. When I enrolled, I believed my debts would be negotiated based on the balances at the time I joined. That’s not how it has played out. Instead, I’ve seen settlements calculated after balances have grown significantly—while I was instructed to stop making payments. For example, one of my accounts originally had a balance of about $1,500. Recently, I was presented with a settlement offer of $1,109, plus a $235 fee. At the same time, I was told the balance on that account had grown to over $2,200.
After being in the program for about three years and paying over $500 per month, this pattern has been consistent. The balances increase over time due to missed payments, interest, and fees, and the eventual “settlements” don’t feel as beneficial as expected—especially after adding the company’s fees. It’s also important to understand the credit impact. You are instructed to stop paying your creditors, which can significantly damage your credit score.
My advice to anyone considering this type of program: make sure you fully understand how balances can grow during the process, how fees are calculated, and what the realistic outcomes look like over time. Don’t assume the savings will match what you expect at the beginning. I strongly recommend doing thorough research and considering all options before enrolling.
Hi Ms. Faro,
Thank you for taking the time to share your concerns. A member of our team will be reaching out to discuss this further. Should you wish to speak with us sooner, please give us a call at 888-660-7427.
Sincerely,National Debt Relief
Reviewed March 25, 2026
I have nothing but good things to say about the team I've been working with. No matter who I talked to they were able to answer all my questions and if didn't have answer was able to get the answer within a few minutes. All were friendly and very patient with as am not computer smart. I had to change my account with you 'cause of death in family and the entire team was very kind to me. They were able to guide me setting up a new account, checking who was still owed and listening to my problems. So once again thank you: George **
Reviewed March 25, 2026
Tori was extremely knowledgeable and patient with me. She was able to answer all my questions and concerns and made me feel comfortable with my decision. I am confident that this is the right choice for my family and our future.
Reviewed March 23, 2026
So far so good, hopefully my credit starts to get better when I’m able to deposit more money to get moving a little faster. NDR has been great the whole entire time and I appreciate that more than they know.

Reviewed March 22, 2026
Was anyone on here summoned to court for a debt? If so How did it end? I am so scared. I have never had anything like this happen. So far they have settled 4 of my creditors thank God but I am just concerned about this one.
Reviewed March 21, 2026
This process has been seamless thus far. NDR is consistent in their communication with you to let you know next steps and what to expect. When a settlement has been reached, is the greatest feeling as you’re closer to becoming debt free! They arm you with every possible resource as well for maintaining good credit/finance habits.
Reviewed March 21, 2026
I called for assistance with my program deposit because my payroll direct deposit was coming in the form of a check instead of electronically this week. My representative was amazing and took her time with me, she offered options, and we came up with a solution that was definitely workable. Every time I call, I get great assistance. This is my second time working with NDR and I appreciate all that they are doing for me!
Reviewed March 18, 2026
Getting my debt paid off at a price that I couldn’t begin to do on my own has been very helpful. Thank you for making my future brighter. Once I’m done with this journey I’ll be able to breathe knowing that my debt that once consumed me is no longer a burden.
Reviewed March 17, 2026
My dealings with National Debt Relief was exceptionally productive. They were in constant touch with me on the progress and guided me on the best ways to help myself as well. They have brought me closer to financial freedom and help clear my financial future. Great customer service and very dedicated to helping clients. I say clients because it’s obvious that I am not the only one that has gotten satisfactory service from them!!!
Reviewed March 15, 2026
Lisa was very helpful and knowledgeable and I’m glad she is the one who I spoke with. Made the process easy and understandable. She went above and beyond to make the process easy and comfortable and she treated me with respect.
Reviewed March 14, 2026
I've been NDR's client for a bit less than a year. During that relatively short time, they have settled nearly half of my high interest debt. I am quite pleased with these results. Additionally, I am also happy with the level of communication they provide with their clients. I feel that I'm always kept in the loop, and that they always have my best interests at heart. They work hard for me.
Reviewed March 12, 2026
I’m drowning to my credit card due to loss of incomes. Call National debt relief, and 1 credit card solve within a month and the other 4 within 4 months. I still have more to consolidate but I believe it will solved in no time.
Reviewed March 12, 2026
I was stressed out about all my debt and didn't have any clue how to handle the trouble getting them paid. I turned to National Debt and explained my trouble. They helped me to find the right solution and a payment plan to fit my budget. So far they have negotiated I believe 4 creditors to a very helpful amounts. I have been happy with them so far and stress free.
Reviewed March 11, 2026
I can't express the gratitude I have for Denise, and all of her help, kindness and patience during an extremely stressful time. She is a professional through and through. I am immensely relieved to have found this program. I feel as if a huge weight has been lifted off my shoulders and feel hopeful for my financial future for the first time in years. Denise was thorough, empathetic, non-judgmental and walked me through the whole process without missing a beat. I know this process will not be easy, but I feel confident that I chose the right company to work with. I only wish I called sooner. For those in a similar position, I urge you to make the call and get help from NDR sooner, rather than later. Thank you, Denise.
Reviewed March 10, 2026
I got great customer service. He answered all my questions with so much patience. He made the process easy for me and my wife. The whole process was easy. Adam ** was very friendly and made me feel good that I made this decision. Thank you Adam **.
Reviewed March 10, 2026
My friend who went through National Debt Relief program suggested that I at least call and talk to someone just to see what my options are in order for me to take care of my unexpected accrued debt. It was easy to make my informed decision because my specialist was very specific and detailed. The specialist walked me through each step, what to expect, the time frame, and answered any questions I had. I also appreciated the full transparency and detail. Thank you!
Reviewed March 9, 2026
Dennis did a excellent job explaining the process. Making sure I thoroughly understand everything that was going to take place. Making sure I understood the withdrawals and all numbers creditors and balance. I really appreciated her explaining every detail making it for me to understand. She had a pleasant disposition throughout the entire conversation. Thank you for having such pleasant associates. Mark **
Reviewed March 8, 2026
Just started, so far I signed the agreement and set up betting to collect my funds into my account. I have 27k in debt and the goal is to deposit 23,750 into the account. I believe the settlement aims for 45 percent reduction about 12k to bring the total settlement to about 15-16k and the add the fee. All they told me it was included in the amount deposited to betting account.
Reviewed March 7, 2026
They ruined my credit for years! They never told me they were going to charge me 25% of my debts as a fee. I will still sued many times by my creditors and would have been MUCH better off hiring a bankruptcy attorney. They don't want you to do this. This is a HUGE scam of a company and there are MANY horror stories online about this outfit. Stay away from National Debt Relief if you know what's good for you!
Reviewed March 7, 2026
I cancelled this and was told that I would be receiving an email to confirm but instead got an email stating welcome. Just got a call from NDR wanting information to finish my welcome when I told them I cancel this was transferr then told she needed to finish up the cancellation
Reviewed March 7, 2026
I'm glad I went to National Debt Relief. The program ran for so many months and I graduated from it. My experience was very awesome. They work with you.
Reviewed March 6, 2026
I felt comfortable with what I read online and after talking to somebody on the phone, so I just went with National Debt Relief. Initially, the first person I spoke with was very friendly. If I didn't feel comfortable, I 100%, would not have even gone with them, but I felt so comfortable that it was a great experience for me. So, it didn't make me feel judged. I loved it. So, that was definitely uplifting for me.
Reviewed March 5, 2026
I was on Google and it said that National Debt Relief was number one. I got their debt resolution service and the enrollment process was easy. The program was good and although there were issues where I had a hard time paying, NDR worked with me. All the representatives were nice, knowledgeable and understanding. It was great. Once I finished the program, they didn’t keep in touch, but that's okay. The service was excellent.
Reviewed March 4, 2026
Our experience with Wyatt Williams was first rate. He helped us get the best possible help for our situation, quick to understand and adjust. He was very sharp. He was also friendly and charming, a big plus for us.
Reviewed March 4, 2026
All the people I’ve talked to at National Debt Relief are very polite and concerned. But the process is taking too long and my credit score has been low for some years, which I hate. I made the wrong decision. I should have grabbed the personal loan. It has interest, but at least it will not ruin my credit score. My husband also freaked out because he wanted to purchase a new car. But he couldn’t because of going through National Debt Relief.
I have no idea what the process is, even though the reps explained it to me. I went into the program because I had no choice and I was thinking three years was not bad. I thought NDR would negotiate with the credit card companies right away. But I needed to put some money in first before they could start another negotiation. I have been seeing my credit score go up, though I’m still dealing with some things. NDR explained that at least the interest has stopped and I’m paying it little by little, which is why my score has been improving. I love the people at NDR and I would recommend them. I just don’t like the process.
Reviewed March 3, 2026
National Debt Relief was great with me. They helped me get rid of my debts. Everybody I talked to helped me understand different parts of it. My Amazon and Lowe's accounts, as well as Chase Bank which was the big one, were all paid off. NDR contacted those places and got my amount lowered, and I started paying them. I paid $253 a month for two years. NDR automatically drafted it out of my account every month. I've never had to even fool with it. The only thing I had to do was mark it off on my checkbook every month. The $253 didn't hurt me because it would cost me more than that to make a payment to those different places every month. I just noticed on my checking account two months ago that the 253 didn't come out. I also learned this month that it didn’t come out. It was supposed to come out on the fifth every month. I finally got a text message saying that everything has been settled.
Reviewed March 2, 2026
NDR has saved me from drowning in debt forever. They have secured 4 of my debts and are negotiating the last one. I am now able to retire and have a life I can enjoy. They were very helpful and easy to work with.
Reviewed March 2, 2026
I wanted to see what National Debt Relief could do about my debt. I reached out to them and my experience was very good. They left a lot of the decisions up to me, if I could do this and that. I had questions and they answered them. They got back with me but they didn't tell me I had to do it right then. They were very professional. They followed up on every question that I had as well. It took six months and they got me such a good deal. They did their job, and I had to do my job too. It was really quick. I have finished the program and I'm very satisfied with the results.
Reviewed March 1, 2026
National Debt Relief has actually changed my life. I recently had to move unexpectedly. My bills were piling up due to the high interest rate. The timing of your call to me was absolutely a godsend. I was on the phone with Frank for probably two hours. He went over every single detail step-by-step! I’ve never been so impressed with a simple phone call that made so much sense to me enough to sign up with National Debt Relief to get my credit cards and bills in order. We worked out a monthly payment plan that was absolutely perfect for my payday schedule. I’m 100% confident that this will completely change my life.
I’m a liver transplant. Patient and I have a lot to worry about just keeping myself alive let alone having to worry about paying off my debts before the end of my life, thank you again for having such a nice company and excellent customer service and the gentleman that helped me was an absolute genius and mathematician on the information he gave me. I also told him if he ever needed to make a commercial call me. I’ll be more than happy to represent your company. Thank you again. Suzanne.
Reviewed March 1, 2026
I had an account with Synchrony Bank, and I noticed that every time I made payments, they kept upping it. So, it was doubling my debt. I figured that I was not going to be able to pay it off without some sort of help. Somebody had mentioned debt consolidation and I looked up online and the most recommended was National Debt Relief. So, I gave them a call, and they were able to handle that situation for me. The rep that I talked to asked me questions and I was able to enroll over the phone. He was very knowledgeable. He helped me a lot. He explained how it worked and I felt better about the programs. It was pretty straightforward.
National Debt Relief had lawyers make a deal with Synchrony Bank and it ended up bringing my total down. I made monthly payments twice a month for a year and a half. When I got all that paid off, it raised my credit score. So, I went from poor to good, and I've been doing other things in that time, but that significantly helped me. Overall, my experience was very positive. I definitely have told other people about National Debt Relief.
Reviewed Feb. 28, 2026
I chose National Debt Relief to get rid of all my credit cards. That way, I could concentrate on my house bills. It was a high payment. I could barely make it with my household expenses. That was just for me in the house. I had two credit cards that lingered, a Target and a Premier Bankcard. That's why I went on. At first, it was, “Okay. This is what I see. This is the ones that I have that I can't pay.” NDR ran everything. They contacted everybody quickly. I was able to make a payment and send it to them, which helped. Every time I called to check how much longer I had, which ones fell off, and if I had any added on, NDR was always right on it. They never placed me on hold. They help me right then. I would call, and they would go over it. I would write it down. I would review it against what I saw in my bill book.
I now don't have any worries. I just have household bills. I have my cashback credit card. And I have the very first credit card that I got a gazillion years ago. I was able to buy a new car because I didn't have the money to pay $5,500 to my old car. I'm now in a car that is just 10 years old. Insurance is low. And I don't even have my license plate yet for it. My payments to NDR ended not even two months ago. I have told a couple of people about NDR. It's easier. They do all the work. I don't have to worry about the payment. It just comes out. I just have to budget it into my expense account each month and know that amount will come out regardless right away.
Reviewed Feb. 27, 2026
National Debt Relief was the only one that I had heard about, and signing up for their program was very easy. Their representative was very friendly and helpful. He walked me through the process and made it so easy to get through. He knew what he was talking about and it really helped alleviate the stress that I felt. As far as how the program works, it would go to a designated account, and it would get paid from there. I've been in the program for about two years, and I've never had an issue with it. It was all good. Even when I made my final deposit, the agent helped me get that taken care of quickly and definitely very helpful. The program works very well. It helps keep me straight and gave me a peace of mind that it was gonna be taken care of without having to stress about that with every other thing going on.
Reviewed Feb. 26, 2026
They have been great so far! I started this National debt relief program approximately eight months ago, and so far they have resolved 2/3 of my creditors! Every time a new development happens with my claim they make sure to call or contact me in case of any questions.
Reviewed Feb. 26, 2026
I had some bills I needed to get straightened out and that was taking a long time. I saw National Debt Relief advertised and decided to take a chance. Debt consolidation was a good solution and enrollment was easy. I called the number and someone spoke to me, then I went online and did it. They walked me through the process. I signed up and it went on from there. Everything was satisfactory and I have no complaints. The program and the representative were good. Everything went smoothly for me. I was satisfied and if I had to recommend National Debt Relief, I would.
Reviewed Feb. 26, 2026
Awful! The percent they make from settlements is a waste of money and time. The impact on your credit score is devastating, they say your credit score will bounce back but it’s not worth it when you have other options. Go to your bank first!
We appreciate you sharing your experience and are very sorry to hear that it did not meet your expectations. The impact of our services on credit scores and the associated fees are indeed crucial considerations. It’s disappointing to know that these aspects have caused such dissatisfaction. Our team is committed to understanding your concerns more fully and will be reaching out to discuss this further. Please do not hesitate to contact us directly at any time.
Reviewed Feb. 26, 2026
I’m really satisfied with National Debt Relief. Great company has worked with me with all my financial difficulties. I’m very content that I’m resolving my financial situation with National Debt Relief,
Reviewed Feb. 25, 2026
Quick and easy process. Questions and concerns were promptly addressed. “Salesman” pitches were slightly excessive for my liking, but they were not overly aggressive, which was appreciated. I had already decided to accept a program offer from NDR, if I qualified, during the accessing phase so the informational pitches were not necessary for my situation.
Reviewed Feb. 25, 2026
I got behind with my move and started charging things to American Express and got in over my head. I saw National Debt Relief advertised, so I thought I’d check it out. The enrollment process was very easy. The reps told me they would approach American Express for me and see what we could get for a payoff. Then, I paid National Debt Relief every month and it went into a bank account. It went towards my payoff, and I got something from American Express saying I was paid in full. It was slower than I thought in trying to get ahold of somebody, but National Debt Relief did what they said they were gonna do. The customer service did their job. Trying to get ahold of the lawyer was a problem. But the operators were great and could give me everything I needed. I just wanted to go a little higher to find out what was going on.
Reviewed Feb. 25, 2026
National Debt Relief was recommended to me by a friend, and I was on the program for about two years. My experience enrolling was good and the rep was quick and informative. I tracked my progress on the website and just completed the program. It has impacted my life tremendously by helping me save money. NDR is worth it and they really help you.
Reviewed Feb. 25, 2026
National Debt Relief helped me get out of debt quickly, so I'm very thankful to them. I was in the program for close to three years and the impact was great. They sent me my progress through email. I had a very good experience with National Debt Relief. If you want to get out of debt, they can help you, or you can choose to stay in it.
Reviewed Feb. 25, 2026
National Debt is a fantastic way to clear credit card debts. National Debt does all the paper and lawyer stuff instead of me doing it. National Debt Relief is easier and cleaner for me. With the current economy, there is a need for a simple and clean way of paying of Debt without claiming bankruptcy.
Reviewed Feb. 24, 2026
The enrollment process was super simple. They walked me through it very well. The service was really good. They send you emails, give you tips on how to stay out of debt. I feel like I'm doing a commercial right now. They gave me tips on how to build my credit back faster.
Reviewed Feb. 24, 2026
I reached out to National Debt Relief, and my experience was good. They helped me with some credit card debt. I just spoke to them one time and they set me up with some payments every two weeks and I was paying them off, and that was it until I got it paid off. Their customer service was good. I would recommend National Debt Relief. It's a good program. I like it and I would use it again.
Reviewed Feb. 24, 2026
Working with NDR has been an experience that I am so grateful for. The communication has been honest, direct, and thorough in explaining the process. Although it is a stressful time, I feel like NDR has my back. I can’t recommend them enough for anyone who has found themselves upside down in debt with no relief.
Reviewed Feb. 23, 2026
I tried National Debt Relief and I liked it. They got all my debts combined into one. The enrollment process was easy. They were really nice and I understood everything they were telling me. Also, everything they said they were gonna do, they're doing it. Working with them has really helped me out really well.
Reviewed Feb. 22, 2026
The agent I talked with was very detailed in her explanations and made sure all my questions were answered. She made making a stressful life decision that much easier to make and I felt confident it was the right one!
Reviewed Feb. 22, 2026
Someone had recommended National Debt Relief and I thought I would give them a try. I went for a resolution and the enrollment process wasn't anything that was difficult. I just signed up with them, and they did the rest. Their reps were very informative. If I had any questions and concerns, they answered them. They're the best. I would recommend them to anybody.
Working with National Debt Relief gave me a chance to breathe, because prior to them, I had no idea what I was going to do or how I was going to tackle the debt that I was in. They made me feel comfortable about the way they would handle it. And so, after I signed and talked to them, I had no problem.
Reviewed Feb. 21, 2026
I started my Debt Relief program on October 2025. The first 2 months I started getting some trust in the program when I received immediate response by phone calls. I am still learning with NBR personnel on my account's issues. As of today, I have got resolution to 3 debt accounts, and I see how you are following the other open credit cards.
Reviewed Feb. 21, 2026
I didn't have a lot of debt, but it's enough to qualify me for debt consolidation. I was pleased with National Debt Relief. Their rate was good enough, and I paid it off early. I would recommend them.
Reviewed Feb. 20, 2026
National Debt Relief helped me a lot. The enrollment process was easy. Everybody was great. They went with my budget, and that helped me out a lot. They took care of what they had to take care of, and I'm debt-free now. It was an awesome experience. I made a good choice. It gave me a lot of relief. There's no stress.
Reviewed Feb. 19, 2026
My agent was very pleasant to work with although I still don't know exactly how the plan works. Signed the creditor enrolled list before I realized there needed to be some changes made before we started the plan, he was supposed to get back to me yesterday but I haven't heard back yet, I hope we will fix this before the plan is put into effect.
Thank you for your feedback. You understanding our program is very important to us. A member of our client success team will be reaching out as soon as possible to discuss and provide you with the information you need.
Sincerely,
National Debt Relief
Reviewed Feb. 19, 2026
Normally have a good conversation and a good thing but one conversation, I did not understand, and it was very difficult. But next time I talk to someone, he was in a better situation and got the situation resolved, everything is good now.
Reviewed Feb. 19, 2026
National Debt Relief is awesome. When I talked to their rep, they seemed more professional and were very informative. They were more about me than them. They put me first. They emailed me everything I needed to look over and sign. Once I liked everything that I saw, I emailed them back and signed up with the program. The process was really stress-free and worry-free. They made everything a lot more simple and easy.
National Debt Relief helped me get rid of a lot of the debt big time. They did all the work and it was great how they took money out of the account and saved it. Customer support was great too. I got emails every once in a while letting me know how I was doing. I got phone calls from them just checking in. Once my debt was paid off, they were in contact with me and said it was all taken care of and I could move forward. National Debt Relief has made life easier where I'm not in so much debt so I can do stuff and manage my money better. If I had to do this again, I would use National Debt Relief and I'd tell others to go with them as well.
Reviewed Feb. 18, 2026
I was in debt - credit card, mainly, but I had some other debts along with it, a personal loan and medical bills. I went with NDR and they took care of what I requested. With other companies, they just said, “We need this to start with.” I'm already in debt, so I don't wanna go further in debt trying to get out of debt. But with National, it just seemed to fit at the time. I'd highly recommend them.
I had a good experience with them. The only problem I had was that one of my debtors started taking money back out of my account. From the get-go, they stopped, and then they started back up again. National Debt went after them and said, “You need to contact them.” I didn't have any way of contacting them because every time I called, they would come back at me and say, “We have nothing to do with that.” But National Debt went after them and got me my refund back, or what they had taken out of my account. I'm quite pleased with them.
Reviewed Feb. 18, 2026
I had a lot of debt and I wanted to have someone help me get it all paid off. I've had a lot of medical bills and I also had payday loans and just some other bills that I had to get paid. I had used NDR's service before and I was pleased. It had been a while, but I went ahead and called them and asked if I could use them again. And it worked very well. I sent them everything online, which was easy to do. Then they would look everything over and then get back with me and let me know that they received it online.
Any time I called, my questions would be answered completely and to my satisfaction. They were always willing to make sure that I understood completely any steps that they were taking or why I had to wait for certain steps to be taken; they would always explain them to me in a good way. And they were kind. Their service has been good, so far. I ended up paying everything off a year in advance. Helped me get my credit scores back up where I needed them, so I bought a new car.
Reviewed Feb. 17, 2026
National Debt Relief sounded reputable when I Googled debt relief, and when I asked a couple of friends, they’ve heard of NDR and knew that people have used them before. The enrollment process was easy and the reps were very helpful and kind. They weren’t judgmental. I’m done with the program and it made me feel a lot better about my finances and gave me a lot of relief in how I paid off my bills. If people needed help in the same way that I did, they should call National Debt Relief.
Reviewed Feb. 17, 2026
My credit card bills were building up. I went past my budget. I was trying to nip it in the butt before it got bad. I sought out National Debt Relief's services. They really tailored the monthly payments to something that's more manageable to help me pay off the debt as where some of the other places that I tried calling were outright putting me in almost a really high range of paying off the debt. Enrolling to their debt consolidation program was fairly simple. It included verifying some of the credit cards once they got my personal information so they can keep track of what all I was trying to get rid of.
What stood out with my experience was the ease of access of making payments and seeing how far along my progress is going. That was one of the bigger interactions with them that I definitely enjoyed. As far as customer support, I received a call from them one or two times because I would forget to move money from savings to checking, and I didn't get charged. One of the calls was checking up on me and making sure I'm not going through any hard times or any other financial struggles, just to see if my monthly payment was still good. The quality of service is great, especially with them being as transparent. I also had access to most of the information they told me on the phone through their website.
Since I'm debt-free now, I don't feel like I have a financial burden right now. If I had a friend who was looking for debt relief or asking about it, I'd definitely say to go for National Debt Relief because they try to keep your best interest in mind and tailor the payment process to suit you and not put you in such a financial strain. Also, their people were easy to talk to. They walked me through the process and made it sound like it wasn't gonna be a harder time on me. It was definitely excellent.
Reviewed Feb. 17, 2026
It was a pleasure and easy to work with Chris ** on getting assistance with my financial situation. He was very pleasant. He spoke very well, and I could understand what he was saying and what he was explaining to me. He gave me all the information I needed, including his phone number, the customer service phone number and the phone number to give to my creditors if need be. He was very kind and courteous and treated me with respect. He walked me through the entire process and it made me feel comfortable. So I would definitely recommend your company to others.
Reviewed Feb. 17, 2026
This company is very proactive in their approach and handling negotiations with the companies debtors owe to, very professional and on time communication with their clients, I’m glad I chose National Debt Relief 👊🏻
Reviewed Feb. 17, 2026
Lisa was great. She explained everything to me to where I could understand everything, great person and I would recommend her to my family and anybody else. She spoke clearly to where I understood. She’s a good worker for your company.
Reviewed Feb. 16, 2026
My experience with Daniel was amazing. Not only did he help me make the right choice he help ease my anxiety levels. He was very patient with me. Took his time explaining everything in detail. Very knowledgeable. Thank you for your help.
Reviewed Feb. 16, 2026
A friend of mine went through National Debt Relief and did good. Once you start, they never bug you about the money and as long as you had it set up as direct deposit and it was there, you had no problem with them. They were always on top of things. If they had one paid up, they would let me know as quickly as possible. They sent me updates on my progress through email and if I had questions, I just called them on the phone and they always had someone there to talk to. I’m done with the program and got my credit score back up. All my bills are paid. NDR helps you get things paid off easier and faster. I couldn't have done it on my own. It was a great experience. People should use NDR if they need to. It works.
Reviewed Feb. 16, 2026
National Debt Relief was what I saw at the moment and I went with them. They just sold themselves. The enrollment process didn't cost me anything and the reps were professional and promptly addressed my questions. There were a couple of tricky spots on the website, but customer service helped me through them quickly. If you're in a tight spot, National Debt Relief is a good solution. Their program minimized my monthly payments and since I started with them, I'm nearly completely out of debt. I graduated two months ago and was in the program for two years. I got my stuff paid off without costing me $700 a month.
Reviewed Feb. 16, 2026
The enrollment process at NDR was easy. Their reps were helpful. They kept me abreast of everything that was going on. I felt very comfortable working with them. Their service was excellent. My credit score went up as well.
Reviewed Feb. 16, 2026
Very helpful, very knowledgeable, very honest, came straight to the point. I'm very grateful for the help. I didn’t think anybody could help me. I was the end of my rope and I thought it’s gonna take me years to pay off all my credit cards, hospital bill etc so I’m glad there’s a company out there to help people when they’re in debt.
Reviewed Feb. 15, 2026
National Debt Relief helped me with my credit card problem. The customer experience was average because at times I had an issue with them taking a double payment. My job caught on fire and I missed the payment. I asked them not to take a double payment out on me but they did it twice. After that, I had no more issues with them. The program lasted a little over a year and now I'm done. I would recommend National Debt Relief to a friend. The price for the service was reasonable and since working with them, my credit score went up some.
Reviewed Feb. 14, 2026
I had a very pleasant conversation with Derrick on 2/6/26. He was polite and ready to answer any questions. Everything was explained in a way I could understand, although there were a few things that went over my head. I do have a hard time remembering things so I tried to write down everything I could. Derrick was great and I thank him for being so kind and understanding. Thank you Derrick.
Reviewed Feb. 13, 2026
I had a very positive experience with Jeneita ** in acquiring information regarding my options. I went with the Fast Track because it seemed more suited for my situation. Jeneita was very patient with me because I wanted to make sure I understood everything. Overnight I still had some reservations regarding the program and called Jeneita once again. I just needed reassurance that I was doing the right thing. She took the time to review my concerns and made me feel better. She said I can call her anytime, which was also reassuring.
Reviewed Feb. 11, 2026
I am so thankful I am getting this help. All the people I talk to over the phone are so helpful and professional. They answer all my questions and are I always feel like they care. I would recommend National Debt Relief looking for financial help.
Reviewed Feb. 11, 2026
I’m happy to have this service and the agent was very professional and knowledgeable. I was very happy with the service. Thank you. Was trying to get a loan but my credit wasn’t good enough and the agent steer me in the direction of National Debt to pay my bills off. I pay so much a month.
Reviewed Feb. 11, 2026
Mike was super friendly, patient, and helpful. Thank you so much!!! He explained everything I needed to know and made sure I had what I needed going forward. Phone numbers, things to be aware of, suggestions to make things easier for myself—all of which are very appreciated. Hope to keep working with him as needed. :)

Reviewed Feb. 10, 2026
I had to give a star just to get started. I would NOT seek help from the National Debt Relief and get a loan to settle your debt somewhere else. I started out with the national debt reliefs year ago. NDR told me I would be out of debt in four years. If I went with their program I did everything they told me to do after a year. The NDR offered me a loan by a company called reach which could pay off the remaining creditors and would prevent any creditors from taking me to court. I felt like I had to do it because I was on the verge of going to court for one of the creditors.
Secondly you also receive multiple automated calls from Matthew for updates to your account and when you call a representative has no idea what’s going on. They’re worthless. I was roped into a payoff by a bank that NDR recommended. Now I have a payment for the next seven years with a high interest rates the program which they told me my credit score would be fixed ARE liars. Don’t go with the national debt relief, find other ways or I’m even considering bankruptcy at this point because I am close to retirement.
To assist you better, a client success team member will contact you directly to discuss your account details in more depth and work together towards a resolution. You can always reach out to us directly for immediate support. Thank you for bringing this matter to our attention, and we appreciate your patience while we resolve these issues for you.
Reviewed Feb. 10, 2026
I liked that everything is explained in a very clear manner. I know that I can count on them if I have any question when I call them and the will be as clear as possible. I recommend National Debt Relief to everybody.
Reviewed Feb. 10, 2026
As soon as I started to make the debt relief I needed, it was a very safe feeling knowing I needed this to help me out if my debts! Pedro was very good at taking me thru the process! He answered every question where I understood the process! I'm very happy to have done this finally!!!
Reviewed Feb. 10, 2026
I was very pleased with the representative, he was very understanding, thorough, and was willing to answer all of my questions, the representative said if I have any questions to feel free to call. That they will help me.
Reviewed Feb. 10, 2026
Working with you guys is an awesome experience.. That lady. Was very helpful and explaining everything to me how the program works. And I really Appreciated that. Sincerely Mary **. If somebody gets this email soon, can you please give me a call back because I Have to update my bank account with you guys. I changed banks yesterday.. Please. My number is **. I am really appreciate if somebody will call me ASAP. Thank you.

Original Review: Feb. 8, 2026
Updated on 02/24/2026: National Debt Relief contacted me with some positive news to fully explain the miscommunication with the wrong information given to me by some of the customer representatives. Talking with Kiana the supervisor provided me some clarification to ease some of the stress and apologized for their mistakes and will ensure proper training is conducted to prevent situations like this from occurring. I was very pleased with her tone and attention to answer my issues with information to completely understand the process as to how it should have been handled in the first place. Thank you, Kiana, for your outstanding customer service and pleasant conversation to bring some mental and financial relief. My Prayers were answered.
Original Review: I enrolled with NDR last year in June time frame, I was instructed not to make any payments to any of my creditors for the next 90days to be delinquent. I was 150,000 in debt with credit cards and a personal loan, which I then heard about NDR will help relief the debts, which they negotiated to some point. I agreed to make 791 bi weekly payments to NDR and I was relieved at one point when I was able to get a hold of my finances to get a little bit of breathing room to make ends meet. Not understanding NDR has jurisdiction in some states, but not territories to negotiate personal loans that may affect you with a lawsuit, that NDR does not represent you on the terms set forth by the civic case lawsuit. NDR representative contacted me to agree on the terms which went from 23,000 to 53,000 was shocking! They did not relief my debt they increased my debt!
Thinking the payment will come out of my savings account and wanted me to increase my allotment a thousand dollars more, which in no way can I afford that, she also mention with agreement, after 6 months of payments, NDR will re-negotiate to have the debt reduced. Nowhere in this conversation did she mention I was going to pay this monthly fee!. I received an email with the attachment of stipulated settlement from the lawyers and civil court with the terms and to read and sign and send the signed copy to the lawyer via UPS and upload the signed document to NDR which i did. (DUMB!) within the week i get another call from Mary discussing my personal loan and the terms of 650 a month to the lawyer. I then pose the question would NDR be making payments to the lawyer? she indicated i would have to pay this on my own and terms to repay could be 72 months!
I was deeply trouble with this arrangement and felt I was mislead with how this program will make things better for me. It just added more stress to my financial situation and pray no other lawsuits come my way. Another thing is I needed some representation, so I requested for PRO-SE to assist with legal aspect to respond to letters served by the lawyer and civil court within 20 days in which I had ZERO help on this, so I took matters in my hands to respond. They were charging me 200 dollars for this request, but explained to them I did not get the help I needed, so my account was not charged according the Mary the NDR representative.
I Hated the fact that I have been speaking to different NDR representatives, which frustrates me to repeat myself. It will be more efficient if one person can handle each case and thoroughly explaining line for line. I am deeply disappointed with how this all ended up, I felt I was wrongfully misguided and taken advantage of to make matters worse for me. I felt I was scammed! I wouldn't recommend this program to people outside of the 50 states. It may have worked for some, but others like me, I have to suffer the consequences to find other ways to pay off this debt and get out of the program as soon as possible. Because I'm 63 years old, I felt they took advantage of my age as easy prey.. pray for me please..
Thank you for taking the time to share your concerns. We appreciate your feedback and apologize for any inconvenience. A member of our out client success team will be giving you a call as soon as possible to discuss this further.
Sincerely,
National Debt Relief
Reviewed Feb. 7, 2026
I was very impressed with the signing up process with the Certified Debt Specialist, Nicholas **. He was very knowledgeable, informative, and thorough with his customer service quality. He was extremely patient and caring when answering my many questions and concerns.
Reviewed Feb. 7, 2026
I am so happy I called National Debt Relief, my payment is one that I love and doesn't leave me wondering if I will be able to buy groceries. They have made things so much better for me. Thank God for them.👍❤️
Reviewed Feb. 4, 2026
Amazing representative Tiffany. She explained everything. The process enrollment plan were explained. Questions answered to my understanding. Polite, very professional. I would recommend Tiffany to anyone who has no idea of what to choose. She was honest and an expert in her field. Thank you Ms Tiffany
Reviewed Feb. 4, 2026
Alffi was very helpful in everything and explaining to us while being on the phone. And the customer service is good as I called not too long ago with a few more questions and got it all cleared and ready to start my journey.
Reviewed Feb. 3, 2026
When dealing with debt I was so afraid and confused. I had no idea where to turn. Denise helped me out tremendously. She was very thorough and explained everything to me. She definitely deserves a raise! Very polite and caring too.
Reviewed Feb. 3, 2026
Had a very positive experience working with Gary. And relieved that I can finally outright retire in five years. He was very accurate and his subscriptions and honest with me and the way the process would turn out. I would highly recommend him and National Debt Relief to anybody.
Reviewed Feb. 3, 2026
I spoke to Andrew. He was so patient with me. He took as much time as needed to explain everything to me and answered all of my questions. I was leary of this being a spam situation but he gained my confidence and put me at ease so we could move forward. Hoping I will continue to find the same as I move forward.
Reviewed Feb. 2, 2026
Prior to signing up I did internet research to get educated on what the National Debt Relief does and the pros and Cons vs Bankruptcy. Then I got a call from National debt that linked me up with Dan ** to submit my application. Dan was very knowledgeable and we went through all my credit cards and loans - it went very smoothly. The confusing part was that I don't have to pay these creditors and monthly minimums and how do I handle the call and emails from these creditors, and I called Dan several time to get clarification.
Reviewed Feb. 2, 2026
I told him that I don’t wanna do it any more that I would like to cancel. I told him that I need to talk to my husband and he start punching me to do it. And I said no thank you cancel everything. And now I start getting enrollment emails.
Reviewed Jan. 31, 2026
When no one was really talking with me they took time to tell me what they were and how they help. I wish there was a financial advisor who explained all my options though and gave more than 3 days to make a hard stressful decision. There was other options to try first but he was honest though.
Reviewed Jan. 31, 2026
Michael was very good with helping me, making sure I understood all processes & patient with me. I called the next day to verify BetrLink with National Debt Relief & again customer service was great.
Reviewed Jan. 29, 2026
Quick and Easy, helpful is a real debt Relief Suffering in Paying My Credit y, Too Much interest, Am paying every Month the Money Will still remain the same, am not going to be debt free till I died, too much Stress, I cannot Sleep, financial problems.
Reviewed Jan. 28, 2026
I think National Debt Relief is just what the name says. In a very short time the whole process was planned and explained to me. I am very satisfied. Ivan was the representative I spoke with. He is a very caring person. No problems, just facts. Excellence!
Reviewed Jan. 28, 2026
Matthew walked me through the process and explained all my options. He calmed my fears when I had them when it came to my personal information. I'm still a little nervous, but I know I can call Matthew if I need to talk to him, and he will be calling me. I know once it gets going, I will feel better.
Reviewed Jan. 28, 2026
My agent was very professional and patient. She explained everything where I could understand. I was very comfortable going through the process. It was a pleasure to have her as my agent. Her name was Amanda. Thank you.
Reviewed Jan. 27, 2026
I was very happy with my call yesterday with Kenneth **. He was very patient and informative about all the things I needed to know. Answered all of my questions. Made me feel more confident that I can get out of debt.
Reviewed Jan. 27, 2026
I was very pleased with the way the program was explained to me and their patients. Thank you so much for relieving my stress from dealing with this for the last few years. I look forward to the day I’m finally debt free.
Reviewed Jan. 26, 2026
The representative I spoke with explained everything thoroughly, provided lots of details on how their service works, was very kind. Very prompt on his phone appointment time and made sure I had their number if I had any more questions. I went over the paperwork very clearly and made sure I understood what it was saying before moving on to the next section.
Reviewed Jan. 26, 2026
Charles was great! He was personable, helpful and explained everything very well! It was like talking to an old friend. He helped my skeptic husband see and understand that we have more or less already paid back what we owe and then some with how much we pay in interest.
Reviewed Jan. 26, 2026
The gentleman that I spoke was very helpful and explained everything to me and helped me understand how this program works. I had a bad experience with a company that was a scam and wasn’t sure I wanted to try again. But felt better about it after talking to
Reviewed Jan. 26, 2026
Client service representative was super professional, clear communication, goal oriented, emails were timely and clear, made me informed and safe with the entire process. I would highly recommend National Debt Relief.
Reviewed Jan. 24, 2026
I received great customer service. Travis was very thorough and answered all of my concerns/questions. He spent a lot of time with me, making sure I understood all details. He was very courteous and reassuring.
Reviewed Jan. 24, 2026
José **. My review about him he was very polite. Very understanding. Explained everything fully. My experience was wonderful. Went through step-by-step. I highly recommend your services to friends and family members. Have a good day. Sincerely, Brenda **.
Reviewed Jan. 24, 2026
I was hesitant to check this site. I had seen many online offers to assist in debt relief. I was pleased with the timely follow up/follow through. My agent, Sam F., was exemplary in his explanations, clarification & fact checking. I was happy to see no pre-payoff penalty. Sam, my NDR advisor, keeps
Reviewed Jan. 24, 2026
Very comfortable payment plan, Very nice customer service, a little bit expensive, but overall I am very satisfied. I recommend if you are on tight budget and you can see your debt disappearing. I like that by the time it is next year you have almost paid some debt instead of doing yourself would be taking more time.
Reviewed Jan. 24, 2026
Rodney was extremely helpful, and personable. I appreciated him taking his time and discussing everything in detail with me and providing additional information to help me feel at ease. Thank you again! Excited to work together.
Reviewed Jan. 23, 2026
I have been very pleased this far with National Debt Relief services, They have been negotiating with my creditors and resolving my debt issues. They recently got a decision on a large amount with a creditor and I was allowed to not have to increase my monthly deduction.
Reviewed Jan. 22, 2026
They are a scam company. I have called multiple times, and my account has been paid, but they will not send a letter to the creditor or close out my account. They keep saying it's a glitch and no one is giving me any answer. They have extremely long wait times for any manager.
Reviewed Jan. 20, 2026
National Debt Relief has been a godsend for my wife and myself. Since we received custody of our (9) nine grandchildren, our debt just kept increasing, but thanks to NDR, we’ve reduced our debt and are currently in the process of paying our debt off. Thank you, NDR, you are really appreciated.
Reviewed Jan. 20, 2026
I had the pleasure of working with Wendy **! Wendy calmed my nerves and treated me with compassion and understanding. Wendy explained the process effortlessly and I'm really excited to get my life back! Thank you, Wendy and NDR.
Reviewed Jan. 19, 2026
I am so grateful for the help I've received from National Debt Relief. They help end the cycle of harassing phone calls from creditors who don't accept or understand that someone's financial situation has taken a turn for the worse. The counselors are friendly and knowledgeable and go above and beyond to create a financial plan that works for you. This company and the services they provide are invaluable for those struggling with debt.
Reviewed Jan. 18, 2026
The Agent walked me through each step was knowledgeable, and help me feel secure in taking the steps to start this program and become debt free. I appreciate his professionalism. I can't wait to begin making payment towards my future free of credit card debt.
Reviewed Jan. 17, 2026
Good customer service. Fastly and helpful. Can help you relief all credit cqrf and loan for you by one smaller payment. It save your time to run around with many credit cards and stop pay interest. Give you peace of your mind. Thank you.
Reviewed Jan. 17, 2026
Great experience dealing with the company. Speedy settlement. They have settled more debt in six months than the other company did in two years. From the beginning I've had a good feeling about this firm.
Reviewed Jan. 17, 2026
We have been a part of NDR for a year now. We have 6 debtors enrolled in program. So far, we will pay off one personal loan this month, and currently have 2 other debtors in process. The last deal that was made was our largest debtor and they got us an awesome settlement for less than half the debt. At this point, we are very pleased that we got involved with NDR, and thankful for the fact that we didn't have to declare bankruptcy when my husband got cancer, and we would pay something to our debtors who have supported us through the years.
Reviewed Jan. 17, 2026
Ivan was professional and explained everything thoughly and made it easy to understand without being pressured. Was my first time in my position and was handled I thought in a very delightful way. I was doubtful at first but was put at easy once things were explained. It was better experience than I expected.
Reviewed Jan. 16, 2026
Extremely understanding and comforting with the utmost professionalism! She really helped me understand the process and walk me through the debt I specifically suffer through! She also set me up with the educational financial classes and I’m extremely excited to learn!
Reviewed Jan. 16, 2026
Leo ** was great. He went over all my finances and gave me choices on what to do. Leo went of the program and all that they do for my finances. I am very impressed at how knowledgeable getting someone out of credit debt is. He helped me decide to go into the program and lessen my stress.
Reviewed Jan. 16, 2026
I was disappointed with my interviewer. She walked me through the enrollment so fast it seemed as if she did not care to hear what I had to say. It felt as if she just wanted to sign me up. Then I thought, she was not allowing me to interrupt in fear I would change my mind and she really felt this would be the best thing for me at this time as she analyzed my personal situation, I shared with her that I had been contemplating doing this as of a year ago and I could not get myself to default on my creditors and ruin my credit I worked so hard to maintain. Perhaps, in fear I would change my mind again, she did not allow me to say much. Nevertheless, I needed some empathy at that time, for this was not an easy decision for me. Either way, I feel relief now that I am on my way to recovering my financial freedom, I would have never been able to accomplish by myself. Thank you.
Reviewed Jan. 16, 2026
Don’t make lump sum payments to this company. They take over three years to negotiate some of your accounts. They hold your money for a week and don’t pay off your debts for months even when your balance available is over 20K. Big mistake to use this service.
Reviewed Jan. 16, 2026
It has helped me a lot. I feel very blessed to have been able to do this. It has gave me peace of mind and I love the format of how it works not having to deal with each debtors and that gives me peace of mind.
Reviewed Jan. 16, 2026
I had the privilege to be attended by Stephanie **, Stephanie made sure she was very thorough in explaining the process and was very helpful in explaining the payments, I loved the transparency she had and would definitely recommend her.
Reviewed Jan. 15, 2026
When speaking to Carlos I felt his genuine empathy. He gave me lots of tips and discussed openly with me how I got myself into the mess I am in. It will take a long time, but at least there is light at the tunnel.
Reviewed Jan. 14, 2026
I gave National Debt Relief a try after hearing about them from a friend, and it worked. They helped me wonderfully. They took care of everything and did a great job. I would recommend them.
Reviewed Jan. 13, 2026
So far, it seems good, but I'll be honest, I'm very sheepish so far because of their requiring not to pay the creditors. I'll trust them, but I don't think they understand that is a lot they're asking of me, of them.
Reviewed Jan. 11, 2026
Still deciding how I feel about this company. I feel let down on attorney but was led to keep going that NDR Has my back. Look forward to getting NDR from your company with less stress. That's all I have to say.
Reviewed Jan. 11, 2026
On Wednesday morning January 07, 2026 I placed a call to NDR to hopefully get my debts consolidated into one affordable plan and then they transferred me to one of the representative of the name of Mia and I just can’t find any right word to describe how divine she was. She was able to helped me out to the process of going through my debts and she was so helpful and patient to resolved my debts. I'm glad that she was the one representative to resolved my debts situation. I really praised her commitment and professionalism on how she dealt with my situation. I would recommend her to anyone who has debt problems. I want to express my gratitude to Mia to helped me breath a lot easier and for ever be grateful to helped me out on this process, Thanks Mia, sincerely yours, Lemuel **.
Reviewed Jan. 9, 2026
Autumn was great. This company helped me and will help you get control of your financial future. This program will put you in a positive position to succeed in life and come out with a good credit score.
Reviewed Jan. 9, 2026
Make big promises and you end up paying more than the original, enrolled approximatly $40,000 in CC debt, paid their program faithfully for 1.5 years and got settlement offers that looked like saivings, then because of good pay history was offerd a loan to pay all settlements and "Graduate from program", come to find out it is Higher interest than the credit cards themselves and end up paying WAY more than the original enrolled Balance. Please do not use and make the same mistake. Final result is BANKRUPTCY!!!
Hello,
Thank you for sharing your experience. We appreciate you taking the time to share your experience. Our goal is to positively assist all of our clients, and it's disappointing to hear that your loan and program experience didn't align with our intentions to relieve financial burdens safely and effectively.
A member of our client success team will contact you soon to further understand your situation better and to explore possible solutions. We’re committed to addressing the issues you've raised and finding a way to support your financial peace.
Thank you once more for bringing this to our attention.
Sincerely,National Debt Relief
Reviewed Jan. 8, 2026
Working with April was really easy. She answered all of my questions, even complimented me on the type of questions I asked. She was personable and relative and made the process very easy. I felt comfortable with her. She walked me through all of the steps and explained the entire process. We met in two occasions and she was very punctual when calling me back.
Reviewed Jan. 8, 2026
Was very informative, patient with all my questions, followed back up on appointment times, correctly. Was effective in guiding me through the contract. Very -upfront guiding & reviewing with me the process.
Reviewed Jan. 8, 2026
Leif was very informative, helpful, and nice. It was very easy to go through the process with him. It's a difficult thing to do but he made it a positive experience. If I knew anyone who needed this type of service, I would definitely recommend them.
Reviewed Jan. 7, 2026
Today my partner and I decided to finally do something about our debt and stop procrastinating. We worked with Denise **, who was an absolute angel and I cannot thank enough. She made the process seamless and easy to understand. All of our questions were answered and now we feel a weight has been lifted big time and can finally start building the future of our dreams! We cannot thank Denise enough!
Reviewed Jan. 7, 2026
Abel was very patient and understanding of my financial needs. He suggested a few options that would benefit me as far as being successful in this program. I am more confident working with this company than others I have worked with in the past. Abel worked with me until we came up with the "just right" plan for me. I like how I am protected by a lawyer so I no longer have to worry about harassment from creditors. I think every debt solution company should take notes from this company, specifically how this company caters to their clients every need. For example, when creditors call, NDR has phone number to give to the creditors so the harassing phone will stop. Great team work NDR. Thank You.
Reviewed Jan. 6, 2026
Lisa was amazing! She walked me through everything and made sure I understood everything before moving forward…she was absolutely amazing!! It was like talking to a family member! Whenever you're in debt, call LISA N! Absolutely amazing! We love her so much!
Reviewed Jan. 6, 2026
Christi ** was compassionate, helpful and explained the program thoroughly. I was new to debt consolidation and she was very helpful with what I needed to do. She provided me with information that I needed when the credit card companies call. She gave excellent costumer service and provided the necessary information.
Reviewed Jan. 5, 2026
I was very pleased with the representative I talked to, he put no pressure on me about nothing. He was well informed about giving me information about what my options were and gave me time to make up my mind. Explained everything of what comes next.
Reviewed Jan. 5, 2026
I want to thank you for the help and the relief of the burden!!!! I don’t know what I will do with that extra money in my bank account, but I’m sure with the things we need to do around the house and some of the things that I have wanted for a while now; I’m sure the cash won’t last long!! Again, THANK YOU!!
Reviewed Jan. 5, 2026
Signing up was fast and easy. They helped me get a better understanding of my credit really quickly, and they approved a plan for me, that works well for me, and cuts paying what I owe down to a fraction of what I would have paid on my own. I'm glad I reached out to them.
Reviewed Jan. 4, 2026
Bad experience so far. Signed up for a Debt reduction plan. Given 72 hours to review and confirm or back out. Got in on Dec 31,2026. Tried to cancel January 1, 2026. Closed. Friday I emailed you. Tried calling but you were closed when I got your message at 4pm my time. Now you say I am enrolled. No I am not. Still trying to cancel the program.
Update: Issue was resolved, very happy with service.
We’re sorry to hear about your experience. We pride ourselves on our customer service and providing prompt assistance. We understand the urgency in resolving your concern and rest assured, a team member will be reaching out to assist you. You can also reach us directly at 888-660-7427 for immediate assistance. Thank you for your patience and for bringing this to our attention.
Reviewed Jan. 4, 2026
This is my second time using National Debt Relief, I like the financial assistance to help with debt. Helps to build clear negative things on your credit reports. The payment are reasonable and affordable to suit a person's financial need. I will recommend this program 100 plus time to friends and family.
Reviewed Jan. 3, 2026
I did not know what I was doing properly when I took out some short term loans. I got I didn’t get into a small hole. I got into a giant hole and there was no looking back. So they helped me tremendously to get that under control and relieve me of the worries that I have about not being able to make their payments which were really high so I can’t say enough good things about the set up. I have from them. It is wonderful. It was free and it’s took care of my problems immediately. So I want to thank them for all that they’ve done for me. Excellent service.
Reviewed Jan. 3, 2026
Carlos was very nice explaining everything, very sharp. He know his business. I still have some questions Mon Jan 5th when we both talk again. I have never done this before. I sure hope at the end of the 25 months I credit comes out looking good, and most important the creditors don't come back at me and wanting more money and mess up my credit. Paying $260 a month for 25 months. Paying everyone off to 0 bals,
Reviewed Jan. 3, 2026
Lisa was so warm and friendly! She was so knowledgeable and most of all she put me at ease and helped me feel confident in my decision! Being in debt and overwhelmed is such a stressful and embarrassing situation! She made me feel comfortable sharing and was so empathetic! You can tell she loves her job!! I really enjoyed chatting with her and I’m so excited to become debt free!!
Reviewed Jan. 3, 2026
National Debt Relief has been a huge godsend! Got myself into debt that was literally over my head and did an online search for Debt Relief. National Debt Relief's name came up first and foremost. The people with NDR have been very helpful in setting up my goal of eradicating my debts!
Reviewed Jan. 2, 2026
Jericho ** was very polite, helpful, had a lot of patience, very knowledgeable, explained everything, answered my questions, cleared up any confusion on my part. At first I was a bit scared due to giving al of my personal information but Jericho ** made me feel at ease. Thank you for your help!
Reviewed Dec. 31, 2025
Rep Johnathan very professional knowledgeable and shows compassion. Thank you for being human. It shows you love what you do. You are in the right field. Thumbs up kudos and all of that. l know you sleep good at night. You are just doing your job but you are doing it well. You ask questions to make sure the details are correct. Every point that needed to come forth you brought it. Company policies ph were discussed phones numbers were given so if l have any problems l have access to the people I need.
Reviewed Dec. 30, 2025
I had a very pleasant conversation with Jericho regarding my debt relief options. He was patient respectful and took the time to clearly explain everything without pressure. I truly appreciate how comfortable and informed he made me feel throughout the call.
Reviewed Dec. 30, 2025
Jordan ** was an excellent representative. Made the process simple and straight forward. Answered all my questions and left me with no questions. Great customer service rep. Would comber National Debt Relief. Definitely took a lot of weight off my shoulders.
Reviewed Dec. 30, 2025
Really was impressed with this debt relief program. The lady who spent 2 hours on the phone helping me (Sokha) was professional and a pleasure to talk to. I would recommend them for anyone seeking debt relief. They have one thing in mind; lowering and paying off my debt. I thank God for National Debt Relief.
Reviewed Dec. 27, 2025
I need a number to call so I can decline the offer after going through my bills. What they were suggesting to me was more than was more than what I could actually afford leaving me with less money to buy groceries and gas. I need to speak to whoever is necessary for me to cancel this And to make sure that my information is not used for other purposes or leaked out. Thank you very much.
Thank you for taking the time to share your concerns. A member of our client success team will be giving you a call as soon as possible to discuss, but you may feel free to call us directly at 888-660-7427.
Sincerely,
National Debt Relief

Reviewed Dec. 27, 2025
When I signed up in October of 2024 I was current on all my accounts. National Debt Relief (NDR) DID NOT tell me my credit score would be affected and drop to just over 500. They also did not tell me that you can be SUED, which I was because after 11 months they NEVER contacted one of my creditors. 14 months after signing with NDR they still had not contacted three (3) of my creditors. After paying more than $7000 into the program I decided to file bankruptcy, something I didn't want to do. My credit was ruined because of them so it really didn't matter at this point.
Thank you for taking the time to share your concerns. A member of our client success team will be giving you a call as soon as possible to discuss, but you may feel free to call us directly at 888-660-7427.
Sincerely,
National Debt Relief
Reviewed Dec. 25, 2025
This is amazing. The National Debt Relief helps a lot of people. I thank you guys very much for all that you do for all the people that you help each every day. You guys are amazing. We can be rest assured that National relief can help many people no matter their circumstances. Thank you so much. Have a merry Christmas and a happy new year.
Reviewed Dec. 24, 2025
The debt professional who helped me was kind, understanding, and extremely helpful. He walked me through the debt relief process step by step and explained every aspect of the debt relief application completely and professionally. He was very patient and completely answered all of my questions thoroughly.
Reviewed Dec. 22, 2025
Representative was professional, knowledgeable, compassionate and patient. He made the experience much more pleasant. I had stressed over my financials for a long while. I believe I will now get a good nights sleep because I'm working a feasible plan to reduce my debt.
Reviewed Dec. 21, 2025
They are saving lives over here, at the very least saving my life. Yeah, these decisions are tough and difficult to get through, but much less difficult than not doing this. If you are going through debt difficulties talk with NDR. It's only a conversation and it's a free conversation. I do recommend.
Reviewed Dec. 20, 2025
Overall incredible experience! A++. The Rep Inger was 100% open and honest, I felt like I could trust her right away. Which is saying a lot for the debt consolidation industry, people are often trying to sell you commission based solutions that aren't good for you. That was not the case here, Inger worked to truly find the best solution to get me out of debt and I'm so grateful that I got connected with them.
Reviewed Dec. 20, 2025
Louise was knowledgeable, courteous, and very professional. He answered all my questions and explained everything thoroughly. He made a low time seem manageable. His help made me feel like a person in trouble and he gave me all the options but let me decide which path to take.
Reviewed Dec. 19, 2025
I am very excited with that relief. I finally managed to do some real grocery shopping today. I don't feel like I am drowning and it feel doesn't feel like all my money is just being given away. I actually have some money in my bank account. I told some family members about it and they were pretty excited that I did it.
Reviewed Dec. 18, 2025
My experience with National Debt Relief has been fine. I signed up and started making payments, and the program has assisted me in getting out of debt. Customer support has been accessible.
Reviewed Dec. 17, 2025
This company and all its employees are very easy to work with and they are all very polite. I am very pleased with the progress with which they are moving along with all my debt. Their website site is also very easy to read and follow along with all the progress that is being made on my behalf. Keep up the good work.
Jack
Reviewed Dec. 16, 2025
The woman helping me Shanon ** was very professional and helped me with everything that we could possibly do to get me on track and she even saved me money on our game plan. I loved how sympathetic she was and getting to crush this debt in mind. Amazing customer service and wish all were like her!
Reviewed Dec. 16, 2025
My experience with the National Debt Relief was the best thing that could have happened to me. I was alone and lost in a sea full of bills. I had heard about debt relief programs on TV, but I honestly thought they were not legit, until yesterday. Not only that, but I cried like never before at the moment when the agent told me about the services they provided. Now I have hope that all my financial problems will be reduced, thanks to National Debt Relief for helping when I needed it the most!
Reviewed Dec. 16, 2025
I had a very good, lengthy, and informational call educating me on National Debt Relief and all the services it provides. I am looking forward to this next chapter of my life! The person I spoke on the phone with was very kind and understanding to my situation.
Reviewed Dec. 15, 2025
It was such a relief they were able to help me. The way they spoke with such calm helped my situation since I felt lost. I honestly thought I wasn’t going to be able to get through it but with everything being explained in detail it honestly made my decision to get help that much easier. Thank you.
Reviewed Dec. 15, 2025
Colin was very knowledgeable and professional in assisting me in enrolling. I was happy to re-enroll in the program. The entire process took less than 30 minutes and Colin walked me through every move. If anybody is in over their head in debt this program should be looked at for assistance.
Reviewed Dec. 14, 2025
We are very happy with our experience. It’s very humbling to reach out for help with our finances but Dwayne ** was very kind and patient while enrolling us into NDR! We look forward to completing our program and we feel NDR will be the best decision we could have ever made! Thank you!
Reviewed Dec. 13, 2025
I was not sure if you would be able to help me or not but I took a chance. I'm glad I did. The process was easier than I thought. I can finally breathe. The person that walked me through everything was very patient and I appreciate him very much. National Debt Relief I will definitely tell my friends and family how you helped me.
Reviewed Dec. 13, 2025
The representative was very personable. He made me feel like I was on a great mission to becoming debt free. The representative left me with a great feeling that I made a great choice choosing NDR. I agree that NDR is THE ONE people can turn to. K
Reviewed Dec. 12, 2025
I was so hesitant at first joining this program but it has been the best thing I've done! Everyone that works here is so nice and willing to help and offer support!!! They do not judge you for the situation that you are in and they offer a solution to help fit you!
Reviewed Dec. 12, 2025
Great customer service and a genuine willingness to help. Lawrence (Larry) ** was a true professional—extremely knowledgeable, responsive, and thorough in answering all of my questions. He made the entire experience smooth and stress-free. Highly recommend working with him.
Reviewed Dec. 10, 2025
I had a great experience with National Debt Relief. They helped me consolidate my accounts in a very efficient and professional way. The process was smooth, and they guided me step by step, answering all my questions and keeping me informed. Thanks to their support, I now feel more in control of my finances and less stressed. I would definitely recommend them to anyone looking for debt relief assistance. I want to give special recognition to Duane **, who was incredibly helpful and always attentive to my questions.
Reviewed Dec. 10, 2025
National Debt Relief has the perfect name. They are definitely a relief to my debt problems! They have contacted and settled almost all of my debt and cut everything by more than half! I highly recommend. They communicate well and are very easy to use.
Reviewed Dec. 9, 2025
Anna ** is amazing. She is very polite, patient and overall helpful. She made sure to read through everything and asked multiple if I had any questions and even repeated herself when asked without hesitation. She made my experience smooth and easy. Thank you, Anna!
Reviewed Dec. 8, 2025
The National Debt Relief Rep. Shella was great at explaining the entire process and guiding me through all of the paperwork. She was very friendly and professional. I would highly recommend this service to anyone who needs help consolidating their finances.
Reviewed Dec. 8, 2025
The gentlemen I spoke with he was respectful, professional and given me all the information I need and explained as well. Got approved real quick and e-sign the paper as well. Went step by step, read all that needed to be read and highlighted where need to sign. It is hard on the phone to make a perfect signature on the phone but also I thought it be big once you click on the areas to have it copied on it turns out to be very small but right on the spot.
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