National Debt Relief Reviews
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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- Free consultation with debt coach
- Free debt relief quote
- Several accreditations
- Easy enrollment process
- Fees can reduce overall savings
- Not available in all states
National Debt Relief Reviews
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Reviewed July 18, 2017
The initial process takes a bit of time because they are thorough. Have had no problems to date and am happy that we joined. We are hopeful that we can pay off our debt and start fresh. Great program to be a part of!
Reviewed July 18, 2017
It was a smooth transition, and I am not stressing anymore. I can sleep at night knowing this will all be over soon. Anytime I call I am treated with respect, never talked down to. Can't wait to be debt free! Thanks again!
Reviewed July 18, 2017
This was the second time I started this process. I just opt out of the first one. The entire process of getting setup with National Debt Relief was very easy and simple. Everything was explained thoroughly. Can't wait to see the outcome of the negotiations.
Reviewed July 18, 2017
Very professional and always friendly and courteous. I would recommend this company to anybody who is striving to become debt free. Very easy to work with. They know your situation and are very flexible when it comes to meeting your individual needs.
Reviewed July 18, 2017
At this time money is being put into the account only. I don't know if you have been contacted or not. I'm not hearing from anyone so I guess that is good. There is enough money in the account now to settle with the BofA credit card. I haven't been contacted by the other credit card companies.
Reviewed July 18, 2017
I have been enrolled with National Debt for a while now and I do believe I have two years left. My husband and I enrolled together and in our time there half of our accounts have been settled. Communication with them is awesome. Any question we had we either emailed or called and got answers right away. We also learned to handle money and we will never get ourselves in a financial mess again. Sure we had to cut down on spending to stay within budget, but after a while you don't miss things. We are grateful to National Debt and yes I referred friends and they since have enrolled.
Reviewed July 18, 2017
I have to be honest, I was worried about working with this company. I'm a single mom with over $11,000 in credit card debt. This company's plan to help seemed too good to be true. I actually didn't really understand the process, partly thinking it was loan that would only be able to go to paying off my credit cards. When I found out how it really works, I was a little disappointed (instant gratification) but 6 months later I could not be more grateful. The first person I worked with, Miguel, was amazing. I felt comfortable working with NDR after speaking with him. NDR has negotiated my debt to a little less than half of what it was and they did all the work. I didn't have any harassing phone calls or letters. My credit score dropped but I was already aware that would happen. I could not recommend them enough to anyone who is in debt. You have nothing to lose, you're not taking out a loan with a crazy APR. They saved my debt situation and I cannot thank them enough.
Reviewed July 18, 2017
I signed up for National Debt Relief over a year ago. A tremendous burden was lifted off of me when I enlisted NDR to help me resolve my debt. The phone calls were directed to them and I was no longer alone in trying to figure a way out of debt. Sometimes I have had trouble making my payments to them but their customer service agents are usually very helpful on the phone. Only one time did I experience a bad situation with one of their reps and I call often. NDR reps also make sure that I login regularly to the account where my money goes so that I can review what is occurring.
Reviewed July 18, 2017
I was $10,000 In debt when I started searching for help online. I came across National Debt Relief and checked them out with BBB and online ratings. Every time I have called with questions everyone I spoke with was kind, respectful, helpful and encouraging. Here I am, 2 years later with just a couple of months to go before I'm out of debt! I would recommend National Debt Relief to anyone who needs help like I did. I give them an A+ rating!
Reviewed July 18, 2017
They really do take care of their customers. Making sure we understand what the next steps to becoming debt free is just the tip of the iceberg. And keeping us in the loop of what accounts are next to be done. Thank you!
Reviewed July 18, 2017
So far the process has been smooth. I have peace of mind for what to say when an agency calls. I see a future with no credit card debt. They thought of everything in the plan. My role is to pay my monthly amount.
Reviewed July 18, 2017
I am overall happy with my experience with National Debt Relief. I am fond with the people. They're very nice and great customer service. They make me feel good and help me find good ways to strive on what needs to be done. If I don't have the money they exceed to help me.
Reviewed July 18, 2017
Great experience and very thorough. They answered all my questions and were patient and friendly. Jerry was great and went over every detail with me. I'm glad I was able to find this program and now I am able to get out of debt and pay less.
Reviewed July 18, 2017
National Debt Relief has always been so great and everyone has been so professional and helpful. I like how they update me right away with my account and creditors. Whenever I email or call them with questions they always reply asap. Excellent service so far!
Reviewed July 18, 2017
After divorce my debt was unmanageable. On my own it would have taken 10 years to solve. National Debt Relief helped me resolve debt within 3 years. I was unemployed for a short time and they worked with me through that tough time.
Reviewed July 18, 2017
I'm on the fence if I'm satisfied with the service I've received. Because I'm not sure what I'm supposed to be doing next?? I'm getting money taken directly out of my checking account from National debt relief and I'm getting money taken directly out of my checking account from Discover loan which also on my National Debt Relief repayment plan. My question is where is the Debt Relief?? I'm getting hit with over $325 dollars taken out in one pay check plus my regular bills. I don't live with mommy and daddy anymore to run to. I need something to ** stop!!!
Reviewed July 18, 2017
Words cannot express how pleased and happy I am with NDR. When I was feeling overwhelmed with my debt, I contacted NDR. They took over from there and my debt was satisfied much sooner than I anticipated. If you are looking for a great company, do not hesitate to contact NDR.
Reviewed July 18, 2017
They have settle credit card debt and helping on my auto repossession. Everything has went well. I would like to think that my auto debt will be taken care of as well. They have been forthright and offered to help when needed. They have also been able to answer any of my question. Time has never been a issue.
Reviewed July 18, 2017
I am a recently new member. I started the end of March. The application was easy and the staff for very helpful in filling out the application. The approval was very quick. I have called back numerous times and have talked to several representatives so far and they have all been extremely helpful and friendly. I have not had any offers from my debts yet, but it has just been a little over 3 months so it's a little to soon for any results. Thank you. Happy so far.
Reviewed July 18, 2017
Very pleased with National Debt Relief. I have called several times with concerns and questions. Each time they have been able to answer my question and address my concerns. One of my accounts have already been settled much earlier than I expected. Thank you to NDR for helping us recover from our financial crisis.
Reviewed July 18, 2017
I signed on with NDR a few months ago. I haven't gotten any notifications on where my case stands. Months later I am still receiving statements showing my accounts have not been settled and it has now affected the line of credit on my remaining cards. Not a happy camper!
Reviewed July 18, 2017
For the most part I am very satisfied with the program. There was a point in time that due to financial arrangements with one creditor I was asked to provide additional funds. I was only able to contribute a small amount more towards my monthly payments to NDR. I hope this cuts my commitment down but not sure. I was set up for 3 years to get all debts taken care of and I think I have 16 months left to go.
Reviewed July 18, 2017
They worked with me on what was going on. They took care of one account and were starting on another when I had to cancel. Due to other accounts I did not have the funds to continue. I had to make a decision on how I was going to keep my home. So I had to file a Chapter 13. I will recommend them to all my friends 'cause they do a very good job.
Reviewed July 18, 2017
I haven't had much dealings with them yet as has only been about 3 months. So far all contact with them has been positive and helpful. I need to complete a survey after they have negotiated with my creditors. I anticipate full satisfaction with this company.
Reviewed July 18, 2017
The progress is very slow. I expected all my creditors on my list to be contacted within a reasonable time, and to my knowledge none of them have been even now, 4 weeks into the process. When I inquired why no progress, I was informed I had not returned the POWER OF ATTORNEY letter which I still have not received.
Reviewed July 18, 2017
My experience signing up was very quick and easy but I have not seen any results as of yet, they have enough money to settle at least 1 or 2 of my accounts but nothing yet. I have messaged them and asked the status but nothing.
Reviewed July 18, 2017
Their personnel skillful, capable and reliable. When contacting them for assistance, they are aware of their responsibility toward helping and listen well to your concerns; then explain what needs to be explained to you, thereby relieving the customer of much worry and the weight of much debt on their shoulder instead of that of the customer.
Reviewed July 18, 2017
I called Nat. Debt when going through major hardship financially and personally. We had some deaths in the family and bills piling up and this company helped me by communicating to me like a real person and they made me feel like they could help and they HAVE!
Reviewed July 18, 2017
I cannot give enough positive feedback for my experience with National Debt Relief! From the minute I spoke with them, they have always been ready and willing to help. Their record-keeping is meticulous, and you always know where you stand. In addition, you can always call to find out any necessary information. For me, the calm, reassuring advice I received was extremely helpful having not been in this situation before. They are definitely a five-star organization in my opinion. I am very grateful for all they did for me.
Reviewed July 18, 2017
I am almost out of debt. I ran into a legal situation and it was handle ASAP!!! Also settled. Couldn't ask for a better team behind me. I would highly recommend them to everybody. Thanks for all of your help and support. Everyone I've spoken too was professional and personal.
Reviewed July 18, 2017
Difficult and unexpected life situations lead to me (with good credit) being in debt to a point where meeting minimums was a stretch and keeping me in a lifetime cycle. National Debt Relief helped me stop the cycle and become debt-free in 3 years! Now, less then 4 years after signing with NDR, my credit score is already above average again. I couldn't be more satisfied with their service! I recommend them any time I hear a friend struggling with debt.
Reviewed July 18, 2017
Very happy I made this decision to go to National Debt Relief. This should turn my life around. Can't wait till this is over and I hope I can learn from all my mistake. And get my credit back the way it used to be. I will let all my friends know about this program.
Reviewed July 18, 2017
We've been with the program for just under a year, and I'm so glad we called. We were scared that we would be turned down because our bank had already said no. But signing up was easy. Our representative was very thorough. He told us what to expect and what we needed to do. The plan was simple to follow, and in a matter of hours we were on the program. Now we are that much closer to being debt free.
Reviewed July 18, 2017
Staff is always friendly when I have to call in or when they call me. They settled part of my case in just the first couple months. I truly feel confident the matter will be resolved. I'm less worried. At the end of my term I will let you know if we make that 5 stars???
Reviewed July 18, 2017
I trust the service that National Debt Relief provides. I feel that they are a known leader in this industry and therefore trust them with something as important as my financial future. Thank you for being there when I needed you most and for showing me the way to a better financial tomorrow!
Reviewed July 18, 2017
So far I have no complaints. It has not been long enough to give a detailed evaluation. I trust that you are paying off my creditors. How about a statement of my progress in terms of how much my balance is. Thanks.
Reviewed July 18, 2017
I've been with the company now for a year. And I'm very embarrassed with the work they do. They already got rid of 4 of my credit cards. Still working on others. Sometimes I might have to split a payment and I haven't had no problems with them. Highly recommend.
Reviewed July 18, 2017
My experience has been wonderful; I don't know what I would have done without them. I got myself into this bad situation financially; I realized it and wanted to do something about it. I went to my bank and they could not help me but NDR is there for me. THANK YOU!!!
Reviewed July 18, 2017
The reps are nice, approachable, they consider any problem every time I ask for payment adjustment. For I am so grateful. l highly recommend NDR to my friends, family who are facing financial problems. Right now I'm still in the process of solving this problem & I do hope I would be able to finish my contract date or my monthly payment as scheduled. Thank you NDR for understanding me in my difficult situation; as there times that I have emergencies like my family back home who needs money, you always reconsider it. Again thank you.
Reviewed July 18, 2017
I have been using their services for over a year. They have been attentive and professional every time I have called them. My account is on automatic with them and I am able to concentrate on resolving my financial situation. I recommend them to anyone who needs this service.
Reviewed July 18, 2017
I have completed my enrollment period and am happy it's over. Initially I was very satisfied with NDR. With the exception of one incident the staff was very knowledgeable & friendly. One incident mid way soured my feelings greatly. I was sent a notice from one of my credit cards and was told I had x amount of days to respond. I called NDR - they would look into the matter but not to worry I had ** days to respond. The settlement was not handled in a timely manner nor was the settlement lower than I was told it would be. Would I go thru NDR again, probably not. It sounded good at the time.
Reviewed July 18, 2017
Have no problems with this service. Quickly got one account resolved. Still waiting on the others but everyone I have talked to have been so nice and courteous. Willing to work with me when I have a change or emergency arise. I would totally recommend.
Reviewed July 18, 2017
Signing up was relatively easy, although there is a lot of paperwork. Everyone I talked to was very friendly and went over all the paperwork. I even received emails apologizing for getting back to me in a couple of days when I emailed questions. Looking forward to hopefully seeing some results soon. Thank you.
Updated review: July 29, 2017
While I can't say that the experience was smooth sailing, I can say that once Costa got involved things were better. He has been an amazing help and I am glad that I had him to lean on. I am updating my previous review because that did not include my experiences with Costa.
Original Review: July 18, 2017
I've been sued 3 times in a 2 year period but all in all after getting a manager to handle my entire account we're down to one creditor left and we are pretty much debt free. The call center reps are clueless and don't communicate or read notes well at all. We also got lucky and came into a large sum of money so I was able to do one last deposit and be done with it all. The speed could be faster so you don't get sued.
Reviewed July 18, 2017
This company knows what it is doing. I started in Feb-March and I have two offers that I took. It knocked off months from debt. Thank you guys. Keep up the good work. I would recommend this company to anybody that is in need of financial help. They help every step of the way.
Reviewed July 18, 2017
They've been ABSOLUTELY wonderful. I didn't know many programs like this. I based it on the fact that they were associated by the Better Business Bureau. VERY supportive, guiding me throughout my program with them. No questions were dumb. They answered them professionally. They informed you where you at in the program. I DEFINITELY recommend it to any one who's going through financial times.
Updated review: Feb. 13, 2018
I am Completely satisfied with the services I have received. So far National Debt Relief has resolved 4 of my credit cards with no hassle. Communication from Them could be a little better but overall I am satisfied with the way things are going.
Original Review: July 18, 2017
The only change I've seen so far is my credit score drop. No one has contacted me yet in regards to my credit cards negotiations and none of them have been successfully paid off yet. However I am new to this process and am going to have some faith in program.
Reviewed July 18, 2017
They do what they say they will, good to work with. Pleased with the services they provide. Hard to get a hold of if need to in a timely manner but otherwise good to work with. Have settled stuff for me and paid off.
Reviewed July 18, 2017
I'm almost through with the plan that National Debt Relief mapped out for me. NDR has been so easy to work with. They kept me updated every step of the way. When I call to ask a question they are very quick to respond and guide you through your questions or concerns. I would recommend National Debt Relief to anyone that needs to consolidate their debt and rebuild their credit.
Reviewed July 18, 2017
I joined National Debt Relief in January 2016. I have always been able to talk with customer service where my questions have been answered. This is a company with many years of experience and who truly cares about helping. I myself have met with two managers who took the time to go over my finances and explain just how my money is used to help me. Definitely best decision I made regarding my finances.
Reviewed July 18, 2017
The service that NDR provides is amazing! It was so easy I couldn't believe there wasn't more to it. I am so thankful for making the decision to call and the interactions with staff at NDR is very genuine. They care, period. I would highly recommend anyone looking to relieve the stress of debt and run toward financial freedom to give these folks a call.
Reviewed July 18, 2017
I am disappointed with the lack of communication. I haven't even heard if Chase has made an offer. Whether there is enough money in the accounts or not I want to know if they have made a settlement offer. I want to settle this soon as possible as it affects more than me in my life. Every time I ever hear from you guys it is so vague and not informative. It is almost 4 months already. Tell me something please!
Reviewed July 18, 2017
Yes, I'm grateful for NDR taking care of my debt issue for me but they initially insisted I contribute $90 more a month than I was comfortable with and it turns out too much is taken out of my account monthly. I have been running out of money days before the following payday every two weeks. That $90 would have allowed me to remain comfortable throughout the process.
Reviewed July 18, 2017
As a customer of National Debt Relief, in the beginning I was very skeptical. I was nervous about my financial situation, had very little trust in anyone, and wasn't sure what I was going to do about my debt problems. After getting laid off, and having to start my own pressure washing business just for some sort of income, everything seemed to pile up on all at once. I have never experienced anything like it in my life. No matter what I did, no matter how hard I tried, the whole kept getting deeper and deeper.
I heard about National Debt Relief, and begin a relationship with them by simply calling them on the phone and asking 50 questions. Yes, 50 questions. :-) They were very patient with me, and I was surprised at how polite they were and how detailed they were in their answers. The staff comforted me and helped me understand that they could help me with my financial situation. The rest is history. I'm on the road to financial recovery and financial stability. It is a process. It isn't something that happens overnight. But don't let that worry you. If you have a financial situation with lots of dad and you're not sure which way to turn, National Debt Relief can help you.
Reviewed July 18, 2017
Amazing all around. They helped me clear all my credit cards debt fast and they made it very easy for me to adjust and save enough to make this happen. I am very pleased with their system and the time it took. Thank you very much for everything.
Reviewed July 18, 2017
Very great! So happy with them. Very happy I made the move. Best choice I've made to settle all my credit cards into one payment. I thought I would never get over all my credit issues until I found you guys. It's been about 3 years and I am almost done!
Reviewed July 18, 2017
I was in credit card debt way over my head and today after letting National Debt Relief consolidate all my credit cards and with easy payments twice a month that I can afford. I am now working on closing out all my credit cards and rebuilding my credit. I just received a letter today from one of the banks that I owed and they said my account was closed out. Yeah!!! I am very happy and I cannot wait until they are all closed. Thanks National Debt Relief.
Reviewed July 18, 2017
My experience with National Debt are excellent. They keep me informed and updated on every transaction. I am almost finished with the program in the amount of time they told me that I will be in the program. It's a great program and I would definitely recommend it to my friends and coworkers who need help.
Reviewed July 18, 2017
After less than a year, several of my outstanding debts have been resolved. I still have a ways to go, but I am hopeful. My experience with everyone I've interacted with on the phone has been very positive. I feel like I am in good hands.
Reviewed July 18, 2017
I just began the program recently. My experience so far has been great. Things were explained thoroughly. I've appreciated the support and clarification through the process and I hope my interaction with NDR continues to be wonderful. I look forward to a continued partnership.
Reviewed July 18, 2017
I was hesitant about asking National Debt Relief for their services but I am happy I decided to move forward with them. They worked with my tight budget so that I could make the monthly payments. So far maybe about 4 months in they were able to resolve 3 debt problems with the creditors.
Reviewed July 18, 2017
I am satisfied with National Debt, there are creditors that are still calling and state they have not been contacted. I would like to see a settlement agreement with all debtors soon. I'm sure National Debt will do their best to reach settlements.
Reviewed July 18, 2017
Any time I have any questions or concerns customer service was able to answer either by phone or email. We were drowning in debt and I just became disabled. We were lost, didn't know what to do until we made the call and got help from y'all. Thanks.
Reviewed July 18, 2017
Impressed so far. We haven't had any creditors hassling us. We have already resolved one debt in a few months. Hoping things continue to run smooth. We have a few more years with the program but it is such a relief to be getting out of debt and rebuilding our credit.
Reviewed July 18, 2017
It's too soon to give an opinion. I feel everyone we have worked with to start the process had been truthful & supportive. We get lots of calls from our collectors we were told we would. Again, it's too soon to say how the program is benefiting our family. We are glad to have the support.
Reviewed July 18, 2017
When I called 2 years ago, their promise seemed too good to be true. I am thankful I called them! Not only did they have the debt reduced, but they managed to settle the debt in a way I could afford to pay. They answered questions without hesitation and did all they promised. If you feel you are drowning don't hesitate to call them!
Reviewed July 18, 2017
The employees are friendly and very helpful allowing me to understand how my money is being used. Their advices or suggestions are helpful and anything I need when I call the employees are ready to answer and it seems they are exceptionally knowledgeable which I like the best. I know me and my wife get excited when we get emails from National Debt Relief and see details of what is going on with our account. Thank you for helping us.
Reviewed July 18, 2017
When calling in, the young woman I spoke with was very friendly, kind and helpful. Took care of my problem with the first call! And I wasn't on hold for long... the phone call was answered quickly and sufficiently!
Reviewed July 18, 2017
I signed with National Debt Relief about 9 months ago and was told that it may take a while to get some offers. It's been 9 months and of the 4 items I am working on, only 1 has been negotiated with no communication on the others. I have emailed my account person numerous times and typically get a one word or two word response of "nothing yet" or a simple "no" when I ask for updates. No communication = no customer service.
Reviewed July 18, 2017
I was able to consolidate my debt into one monthly payment because of loss of income. This took a lot of stress off of me and I am able to get out of debt quicker and if I receive additional money from odd jobs or substitute teaching I am able to pay off my debt quicker.
Reviewed July 18, 2017
Having NDR taking over my debts thru the last several years, I have been able to find quite a bit of relief in staying within a manageable budget. I have found them to be very friendly each time I have talked to them and helpful. They also have tracked my account to where I could always check to see where I was at in completing my debt's relief.
Reviewed July 18, 2017
Before we came to NDR, my fiancé and I were deep in credit card debt that stemmed from years of underemployment and costly medical bills. These bills soon overpowers our monthly income and we are out of options. When I discovered NDR completely out of coincidence, our lives changed. NDR is clear with the program expectation and also what we need to do every step of the way. There is no guesswork.
NDR is only a phone call away (with wait time less than 10 minutes every time) when we have problems. Sure, the initial period of dealing with delinquent account negatively impacted us both emotion-wise and credit-wise, but we know that NDR is working hard on our behalf. But as time goes on, we started to settle our accounts and finally seeing our debt going away, slowly but surely. I am currently at the end of my 2nd year and we have already settled 75% of our accounts. I cannot thank NDR enough to get us back on our feet and give us another chance to restart our financial future.
Reviewed July 18, 2017
I had been take advantage of by a contractor who had run-up over $10,000.00 in credit card debt in materials and tools. Then absconded without finishing the construction of my house. Being a disabled vet on limited income, I found myself using my monthly benefit check to pay the above debt. With nowhere to turn, I had to decide whether to pay the bills or buy groceries and pay my mortgage payment and utilities. Paying what I could I soon became severely past due on my credit card accounts. Paying some cards on one month and paying the others on the following month. Even though I contacted the credit card companies and explaining my situation, they did not do anything to assist me. Instead, they raised the interest, and the minimum monthly payment amount due. Then they began charging late fees on top of the higher interest.
This ended up being more penalty fees being charged than the minimum payment I was making. So instead of lowering my balances, they became higher and higher. I was drowning and the credit card companies were piling rocks on top of me. Then, I read about National Debt Relief (NDR) on my Veterans newsletter. Calling the 800 number, I explained my situation. Listening attentively, the NDR representative stated my credit card debt fit the criteria to get assistance. NDR collected my information and contacted the credit card companies and arranged a settlement with them. Then setup a monthly payment that would allow me to have enough for living expenses and pay-off the accumulated credit card debt. During the process almost everything went according to plan. Except for SYNCHRONY BANK.
Initially SYNCHRONY BANK agreed to settle the account. Then after agreeing to accept, they two months later sent the account to a collection agency. Which in turn, placed a collection on my credit report. The result is SYNCHRONY BANK appears to have disregarded their settlement agreement and are getting paid twice for the credit card debt. Contacting NDR, I asked that this be addressed. I also contacted the Collection agency and SYNCHRONY BANK. SYNCHRONY BANK stated that the account had been sold to the collection agency PORTFOLIO RECOVERY ASSOCIATES. When I contacted them, they were very rude and abusive calling me several derogatory names and demanding payment. Then they began calling multiple times at all hours of the day and night. When I tried to explain that the account had been settle prior to their acquisition, they refused to listen and continued with their harassment.
Contacting NDR, they explained what I needed to do to stop the calls, and said they would contact the collection agency and address the situation regarding SYNCHRONY BANK account. To this day, PORTFOLIO RECOVERY ASSOCIATES has continued to post a collection on my credit report and refused to correct this discrepancy. Contacting NDR and explaining the situation they stated they would address and correct the inaccurate information. To this day, this has not been corrected. However, beyond this, I am satisfied with NDR and their credit resolution assistance.
Reviewed July 18, 2017
I only enrolled in this program about 4 months ago but was pleased with how quick and easy it took to begin the process of consolidating my debt. As long as things continue to go well I will definitely be recommending this service to others!
Reviewed July 18, 2017
Very helpful during my difficult time of financial stress. Friendly and easy to work with. Was happy to be able to change the date of the auto deduct. Looking forward to becoming debt free again. Thank you for your hard work and friendly business relationship.
Reviewed July 18, 2017
We have been working with National Debt Relief for about one year now. My wife and I exposed ourselves to considerable debt with credit cards through some unexpected large expenditures and bad habits. It came to a point where we couldn't keep up with the payments on multiple credit cards and we were under considerable stress.
Since we started working with National Debt Relief, they have assisted us in paying off over $21,000.00 worth of debt in the first 9 months. The path to success with these folks is to follow every recommendation they give you (no matter how scary it sounds). They check in often; ask us to check in often, and often ask us if we can put any more funds toward our debt. They don't push if we can't, but encourage us to put as much toward our debt as we can (which we have).
Do not skimp when deciding to do this. They offer legal services as part of the package you pay for. It is worth it. We have a long way to go. But for the first time ever, we feel like we have some amount of control of our debt. We have closed all credit card accounts and use a debit only. We buy what we can afford and have made great strides to change our habits. I give National Debt Relief 5 stars for being a real partner in helping us become debt free.
Reviewed July 18, 2017
Customer representative was very helpful and informed. She was sincere and explained all that I needed to know. It is good to know that people still care and are helpful. I wish I could remember her name but thank you all the same. Keep up the good work.
Reviewed July 18, 2017
NDR has been very easy to work with. The communication both via email and phone has been excellent. The only thing I wish I had known, and maybe at some point in the very long process it got lost or overlooked, is that creditors can sue you before NDR settles the account. This costs out of pocket filing fees at the courthouse, not to mention time that needs to be taken out of work to appear. Overall, we are glad that we chose this option to reduce our debt.
Reviewed July 18, 2017
Very slow on settlements and lied to me on how they make settlements! Thought they would aggressively go after settling on credit cards they the accounts have been closed for years. I've already been offered settlements on most accounts and could probably save money doing it on my own.
Reviewed July 18, 2017
I'm very happy with the way that National Debt Relief is helping me out with my accounts so that I can get back on track. I'm glad I found this coming to help me and I would recommend it to all my friends so that they can also get the help with their debts.
Reviewed July 18, 2017
Great experience. These people are the best as far as I’m concerned. They are taking care of my debt. I am almost ninety percent complete and it is all due to their great service. I could not have done it without them.
Reviewed July 18, 2017
Easy to get set up with, relief not having creditors call me all the time (except for one that I was told not to transfer my phone number and address with calls me 3-4 times daily, once I speak with them I get a week of no calls). Have not heard from anyone regarding the status of my account but then again it only been 2 months so not much money in my account for them to use yet.
Reviewed July 18, 2017
From the very first phone call that I made to ask for assistance was the minute I decided to receive help from National Debt... they have been so professional and very helpful to my particular issues. I would and have told many friends and family members.
Reviewed July 18, 2017
National Debt Relief has definitely helped me get out of a tough situation. Within 6 months of being in the program, they worked out a deal with three of my debts. I would recommend this company to anyone struggling to stay above their debt.
Reviewed July 18, 2017
Needed help with 4 credit cards. The first 3 were settled within a year. I was told the 4th credit card dispute was going to be the easiest to settle. It's been actually the longest to settle! By the time I pay my monthly fees and settlement fees I will be paying full amount! Usually when I call to get any information the person doesn't know much. I can't wait until my program is done! I could have settled on my own and with less timing if I would have known the process before I enrolled.
Reviewed July 18, 2017
Since day one everyone was very friendly. Had an awesome experience. Everybody was very helpful and never had a bad customer service experience! Thank you so much for everything. Almost done with all my debt. Just need to finish paying Liberty Lending!
Reviewed July 18, 2017
I am now getting the credit card companies starting to call me despite the cease and desists and my changing the contact information to you guy. The gentleman I spoke to (on your team) was very helpful. He took the number down and promised to have the matter handled without me getting involved.
Reviewed July 18, 2017
Hard to say. I still got creditors calling me. They said they didn't hear from you guys so my experience is half a star. It been two months so far and I don't know if they will accept a pay out.
Reviewed July 18, 2017
I keep getting calls from my debt collectors. They keep telling me that if NDR would just contact them and tell them that I am working with NDR, they would stop calling. Most of them say they haven't heard a word from NDR.
Reviewed July 18, 2017
When I contacted National Debt Relief, I was in dire straits. They immediately connected me with a team and prepared a viable plan for me to get my debts paid off. My plan was quick and efficient. They are the epitome of a "lifesaver".
Reviewed July 18, 2017
Absolutely amazing service. The person I talked to was extremely thorough, helpful, comforting, and understanding. They asked me lots of questions and chose the right program for me. They also helped me to feel very secure with everything and I am very pleased with the process and results so far.
Reviewed July 18, 2017
Everyone has been really great and helpful. They have done what another company could not do. Very grateful for all of their help. If not for this help I would still be way over my head in trouble. I felt so down with no idea about how I was going to handle this problem. So very grateful.
Reviewed July 18, 2017
National Debt Relief was a godsend. I had a mix of debt from my early 20s and just trying to make it out on my own. With the help from National Debt Relief and responsible budgeting, I was saved from bankruptcy. They have reliable customer support experts and a user friendly profile online to help you actually see your progress and set goals. I watched my credit go from the gutter to a respectable margin. Many thanks to National Debt Relief! You guys are awesome!
Reviewed July 18, 2017
Took all my credit cards and put into one monthly payment. It was hard; phone calls and close accounts. Stressful to answer phone for the first couple of months. But it was all my fault and needed to do it. National Debt was easy to work with and did a wonderful job helping me get it paid off. I am paid off and no more payments. 6 months to retire and I do not have all those never ending payments. I will not get anymore credit cards. Very positive experience.
Reviewed July 18, 2017
I would appreciate confirmation on when the payments will begin and a list of companies you are going to be paying. Some of them are still bugging me about payments. I am sure you have contacted all of the people I requested... yet they still bug me for money. Thank you.
Reviewed July 18, 2017
This company is always one step ahead. They handled all my accounts on a professional way and constantly keeping informed with all payments and deals with others debt related issues. Thank you guys. Now I can start rebuilding my credit.
Reviewed July 18, 2017
I was told that all my debt would be satisfied within 28 months and a few creditors have not even been contacted several months into this process but they (NDR) are taking money from my account every month, sure hope they do more soon!
Reviewed July 18, 2017
Everything is top-notch. I have had no issues. Any problems that have arisen have been taken care of immediately. Everyone that works there that I have dealt with has been professional, courteous and friendly and you are keeping your word about helping me with my debt situation. Thank you.
Reviewed July 18, 2017
They were efficient, were always there to answer questions, communicated effectively and must be really skilled at negotiating. Never was hassled by creditors and even paid my debts off ahead of schedule. I have zero complaints and would recommend them to anyone.
Reviewed July 18, 2017
I will say that being in financial debt was extremely stressful and caused me daily anxiety. Peace of mind when they took over and I only had to worry about the two payments coming out of my bank a month and knowing that they were settling my credit card debt made my life a lot better. My only criticism is I wished it could go faster even when I was able to give extra money to my account. It still seems like it's going to take a full three years and I am ready to be done but overall it was a good experience and I would recommend to anyone in credit card debt.
Reviewed July 18, 2017
I absolutely thought it was too good to be true! Once you qualify, usually within 2 years all your debt, that you submitted will be paid off. Just passed my 1 year mark and 3 bills are paid off! Truly amazing process that you have to put trust into.
Reviewed July 18, 2017
Not only has National Debt Relief performed above and beyond my expectations in negotiating with my creditors, but the guidance and successful resolution of a legal issue associated with one of my creditors was outstanding. This company delivers. The best decision I could have made.
Reviewed July 18, 2017
I was in a very bad place when I called them. I am glad to say that things have gotten so much better. Very professional and kind staff. I do not regret contacting them and look forward to the day that I will be completely debt free! I really appreciate the ability to approve settlements by text or email, so I don't have to spend a bunch of time on the phone. Really awesome.
Reviewed July 18, 2017
National Debt Relief have been GREAT!! They helped me get the lowest monthly rate to become debt free sooner than later!! They have taken a huge load off my shoulders!! My stress over the debt is so manageable now, thank you NDR!!
Reviewed July 18, 2017
The reason I'm not totally satisfied is that when I check my account online I can't ever see what's been paid off, how much is remaining on a bill or how long I have left to keep paying. Other than the fact I don't really know what's going on, it's fine.
Reviewed July 18, 2017
So far, so good. It has been a good experience but I think you need to call the client once in a while just to let them know what is the status and how are things going. I don't get phone calls, so I have to call myself just to find out how is things going for me.
Reviewed July 18, 2017
I am very grateful to be able to finally consolidate my private loans when for so long, there seemed to be no help in sight. I wasn't getting anywhere with my former lenders, and it was a truly difficult time. Thank you so much for the incredible help I received, especially Anika **.
Reviewed July 18, 2017
I thank from the bottom of my heart National Debt Relief. I was at a point in my life that I didn't know what to do about my debt without filing for bankruptcy. The team is always so professional and helpful even when certain circumstances came up. Thank you. Thank you. Thank you!!
Reviewed July 18, 2017
Customer service was pleasantly helpful. Never had issues in completely understanding what was happening with my account. I highly recommend using them if you have trouble paying your bills. Have never had such a great experience with dealing with any company before. If all companies had such good customer service, what a wonderful world this would be. Everyone could speak excellent English which was an unusual experience. They paid my bills after reaching an agreement with every company which I always had to agree with the amount.
Reviewed July 18, 2017
Well I didn't recently enroll. I enrolled about 2 years ago now and haven't heard from anyone in quite some time now. I'm hoping to have all debt eliminated soon within the next year. It would be nice to get updates on what's been paid and what hasn't. Would also be nice to know what's been paid so far and what's still owed.
Reviewed July 18, 2017
Your company has been very helpful from day one. Being very patient and answering all my questions before I agreed to even start program. Now that I am in they are on top of any questions, and concerns. Very helpful and you get to be sent free in no time!
Reviewed July 18, 2017
Initial contact was pleasant and very informative. The process was easy and they work out a plan to fit your budget relieving the related stress immediately. I finally see the light at the end of the tunnel. This helped me take back control of my life and teaches me what creditors don't want you to know, and how to stay on track eliminating unnecessary debt that is so easy to fall into.
Reviewed July 18, 2017
I'm happy to be paying off my debt, but I really feel the fees charged by NDR are very high. Also, I've told them repeatedly that I cannot always answer the phone during certain hours, so do not call... and yet they put me on an automated dialer to be called during those hours with nothing important to tell me except to call if I want an update. It went on for a few weeks! Also, they always seem to want more money from me even though I have told them I do not have any more to give. I feel like my experience has been about average, but I'm still a little jaded about the system they use. I'm neither impressed nor disgusted by the company.
Reviewed July 18, 2017
So far so good. National Debt Relief is the right one for everyone who wanna get out of debt. They are here to help you and very reliable and dependable so to me this is it! So don't wait. Give them a call and they will response right away and give the right response.
Reviewed July 18, 2017
You never want to have to go to a business like National Debt Relief, but the people here are professional and great at what they do. The booklet they gave me was easy to understand and very helpful with how to deal with creditors. Whenever I had a question they were patient with me and very helpful. Responses to my emails were within 24 to 48 hours. The fees are low which is very helpful for someone like me who now has a tight budget. They were able to get two creditors dealt with within 6 months or so. When I had difficulty paying my payment they were able to help me out.
Reviewed July 18, 2017
I got myself into trouble with credit cards after college and needed help paying them off. I read great reviews about NDR and can’t think of anything bad to say. They are working now with my last creditor and then I can start rebuilding my credit. I have learned to live within my means and still have fun.
Reviewed July 18, 2017
I'm impressed with the National Debt Relief rep. She helped me reschedule my payment and understand my situation and answered all my questions. I'm glad to have National Debt Relief. It made my life easier. Yes I would highly recommend Nat'l Debt Relief.
Reviewed July 18, 2017
I was about to file for bankruptcy and I tried National Debt Relief and it has worked out great so far. I had my monthly payments dropped down about 300 dollars a month and it couldn’t have came at a better time since my overtime was cut and I was making 200 dollars less a month.
Reviewed July 18, 2017
It's been a good experience. Good doing business with you. Thanks for helping me. I was really needing help with my financial troubles. I would recommend you to anyone. Thanks for letting me skip some payments. Have a very good day.
Reviewed July 18, 2017
I was able to pay my debt off in under 3 years. The customer service always exceeded expectations, and with having a set auto withdrawal date left me with very little to do. If I ever have to do this again I will go with National Debt Relief.
Reviewed July 18, 2017
NDR is doing a fabulous job with managing my debt. I have only been with them a couple months but they have already negotiated a settlement with one creditor. I have no doubt they will do the same with the others. I was with an outfit last year that didn't do squat for me except take my money each month. NDR is not like that. Very responsive, awesome, and they GET TO WORK immediately.
Reviewed July 18, 2017
I'm so thankful and blessed for National Debt Relief for helping me with my debt that I had now. I feel like I can sleep now, like I'm free and can fly peacefully with no worries. I really appreciate it! Thank you!
Reviewed July 18, 2017
I have been enrolled in the program for 8 months with only one of my debts being resolved. My other debtors are calling my family harassing them looking for me. I've changed my information to the recommended from NDR but they still call.
Reviewed July 18, 2017
Both people I spoke to were very friendly and helpful and took as much time as necessary to explain things to me. We are very relieved at being able to become debt free in a few years and on the right track to financial freedom as well as better knowledge on how to manage our money.
Reviewed July 18, 2017
I sometimes will contact National Debt Relief to ask how to add money to my account? When will it register? I was somewhat disappointed when I called to have one of my accounts paid in full. The representative told me monies that is deposited into the account is distributed between account that have accepted a payoff amount. I didn't, at first, like that way of doing business but after a while I understood why National Debt distributes funds in that manner. I am, at this time, satisfied with your service.
Updated review: April 6, 2018
My husband was retiring, I'm in school and we just had a little one. With my husband's military retirement, his original paycheck has been cut in half and he would also not be getting a housing loan. I looked online and at reviews and I called National Debt Relief. I listened to what they had to say and thought it over. I then called them back and started doing the paperwork to get in. To determine my monthly payment, they went off of the bills I have to pay and the bills I could not give them to pay, such as childcare, gas and that type of stuff since they're in my name and not my husband's. They estimated how long it'd take to do it then they came up with a figure that was about one-third less than what I was paying, which gave me a little bit of breathing room.
I'm paying them close to $500 a month and they're paying off all my credit cards as well as all my creditors. They've already paid off three of my biggest creditors and they're paying off another one right now. However, at the very beginning when I just started paying them and they didn't have enough money to settle anything, I felt like everything was in the dark. I was like, "Is it actually going through?" After I said that they weren't keeping me up-to-date, they started calling me and talking to me more often. NDR has taken a lot of stress off. I'm comfortable with the cost of their service and I've enjoyed how they've worked with me. I've also put a little money away in savings.
Original Review: July 18, 2017
I wish there was more communication to let me know what the companies said about you working with my accounts. So I don't feel like I'm stranded without knowing for sure what is going on with my account holders.
Reviewed July 18, 2017
I enrolled with National Debt Relief a couple of years ago and they have been extremely helpful and supportive in helping me pay off my credit card debts, whilst freezing interest and reducing the overall amount by a significant %. They are always available if I have any questions, and negotiate with my creditors on my behalf so I do not need to worry. I would absolutely recommend them to anyone burdened with credit card debt that they cannot manage.
Reviewed July 18, 2017
EVERYONE at this company is incredibly, kind, patient and thorough as they work through my painful and serious financial struggles. I couldn't have imagined the relief they have brought. They treat me with constant respect, allowing me to feel free to express any of my stress, concerns or questions fully, offering wonderful answers... even filling in gaps with information I didn't know I needed. In every way, they have demonstrated perfect integrity, and I would recommend them and their work to everyone???
Reviewed July 18, 2017
My experience with NDR has been outstanding. Staff support and prompt response to issues concerning my debt and with creditors has always been positive and productive. NDR has been one of the better choices I've made in my life as they continue to help me become debt free. Kudos NDR.
Reviewed July 18, 2017
Since we began with National Debt Relief, every person has been wonderful to us! All were encouraging, and explained the process well, and never made us feel low. Our debts are more than halfway paid off, and we are on track. The website is easy to use and lets you know your exact situation. When I email customer service, they are prompt, courteous, and have always resolved every issue. Thank you NDR!
Reviewed July 18, 2017
You have done an excellent job of making my life better, the only problem I have is it's a financial strain on me because of my medical needs now! I wish you folks the best in all you do for others in the same situation I am going through. God Bless and thank you! I would recommend you to my friends!
Reviewed July 18, 2017
Overall at the start the process was great. I was assured everything was going to work out and not have too much worry. I'm very type A and I like updates and follow ups. Their lack of follow up is what is bad about this company. Maybe I shouldn't expect the person who's handling my affairs to call me once a month but I do. All they ever tell me is to get on the portal and I can look at what's going on, I guess I like a human connection.
Reviewed July 18, 2017
I am satisfied overall with National Debt Relief and how they are handling my account. I am pleased with the settlements and ease of making it all happen. They work with you well and have made the process easy and satisfying the entire way through.
Reviewed July 18, 2017
Everyone has been great to work with! From the beginning, staff was so empathetic, helpful, and professional. The first few months were a little uncertain because we did not hear anything about any movement on our debt, but they had been negotiating behind the scenes. At month four, two debts were settled one week apart! It felt so good to see movement forward!
Reviewed July 18, 2017
I got an email saying I was currently enrolled. I am not currently enrolled. I should be currently finishing up my program. It's been great except when I was sued and then to court by a creditor. Nobody warned me that could happen.
Reviewed July 18, 2017
The staff is very friendly and helpful. In a bad situation they make you feel like everything is ok. Fast results and knowledge people. Great company. They get results. I was facing an embarrassing law suit. They did not let it go that far. Would recommend anyone struggling to call National Debt Relief. Thank you.
Reviewed July 18, 2017
I have had only a few questions asked but have gotten my answers. I only hope this is the right choice for me. I still have limited income after my monthly payment to you. If the amount could be reduced or time extended it would be great. If only for a while.
Reviewed July 18, 2017
I've been happy with this company. My only complaint is the turnaround time for customer service to return emailed request for assistance. Their fees are average and my accounts are being paid off sooner than I expected. I would recommend them.
Reviewed July 18, 2017
It has been a wonderful experience. I am almost out of debt! A lesson well learned. I was in so over my head, now I'm only a few months from being finished with my program. Thank you so much for everything you've been able to do.
Reviewed July 18, 2017
I have nothing but good thing to say about National Debt Relief. They reply quickly. Super fast at resolving credit card debt. Saving me thousands and thousands of dollars!!! I would do it all over again. I hope I am never in this situation again though!
Reviewed July 18, 2017
Pro: Like how they can deal with the credit card company for me coz I don't have time and lack of info to deal with them. Con: I understand they have to wait until they do something but when that happens it seems to take forever to settle the debt.
Reviewed July 18, 2017
Waiting to send creditors $$ when I was making my payments on time and was not behind and now the phone calls and mail is outrageous. I only enrolled to lower my interest. I have called and asked for you to contact the creditors and explain what's going on and only to have more calls. Also the 1 card I didn't send you because I use it for business lowered my credit because of now being late with the other people. Thanks.
Reviewed July 18, 2017
The only issue I have is that I have to call National Debt Relief for status updates. I know I get an email once a month, but it doesn't show status of accounts not paid off. It would be nice to have NDR call while negotiations are being worked on. All customer service reps are pleasant & helpful.
Reviewed July 18, 2017
When trying to make a settlement with personal finance and they told them they do not do settlements National Debt Relief did not get with me and let me know this. Other than this I would highly recommend National Debt Relief.
Reviewed July 18, 2017
Could use more communication on status of negotiations with creditors. Fees are very high making resolving debt Difficult and lengthy. First debt settled quickly but months have gone by on the second debt resolution with no word or contact. Second debt was almost the same amount of money but has so far taken more than triple the amount of time to resolve due to the high fees charged for services by NDR.
Reviewed July 18, 2017
Terrible thus far! You ruined accounts that were never to be placed with you. Now I get letters from them wanting attorney info claiming YOU guys said you had one; yet, you apparently just left that open ended. This experience is awful.
Reviewed July 18, 2017
I have been having a great experience with National Debt Relief. They are very attentive and have quickly negotiated with 2 of my 3 creditors to lower the overall amount owed and to pay them off in a timely manner. I am very satisfied with their service and would be happy to recommend them to friends and family in their time of financial crisis.
Reviewed July 18, 2017
My experience was very good, I had someone that explained what would happy and received enough information needed to know what to tell my creditors. I am anxious to see how it goes as creditors begin calling more and more.
Reviewed July 18, 2017
My bank hasn't given you the accounts yet. My credit score is steady right now so it hasn't been affected. I've read reviews on the Global company and the reviews are very poor. I guess those reviews are from people who deal directly with them instead of going through a third party like National Debt Relief. Talking with James was a very good experience and he is very knowledgeable about the whole process. He won my confidence in NDR. That's a plus.
Reviewed July 18, 2017
If someone was comfortable enough to talk about money matters I would recommend you. Always got my questions and I feel better about things. A weight was lifted off my shoulders now that I am working with you. Staff listens my concerns, make you feel at ease, very well spoken.
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