National Debt Relief Reviews

In the middle of the night I finally reached out to National Debt Relief online ..Yes online.. Which was easy and I set up a callback. I received the call right on time. Nick was very pleasant. He continued to tell me I will be empowered and I made the right choice. Nick was proud of me for making the call as I was in tears at the beginning of the call. We covered each credit card, each debt I had and he came up with the perfect plan at the end of the call as I let out a sigh of relief. Nick and NDR are amazing. I wish I would’ve reached out sooner. I cried softly because I felt the burden uplifted while Nick was on the call. I was able to wake up early the following day full of joy, I was me again.

I delete all the apps from my phone & cleared all the voicemails! Nick, I am impressed by who you are and what you did for me through NDR. Thank you I can afford the monthly payments (the bi-weekly payments is lower than the monthly interest fee on one of the creditors' accounts!) and I am finally sleeping through the night while NDR does the work for me! I am empowered!! I am enjoying life again! I am myself again! Thank you so much!

At first, it was stressful because the collectors are going to be calling and calling and calling you because you stopped making payments. I was expecting the worst to happen was for them to send a court date. I thought they were all going to do that because I didn't know how National Debt Relief handles that. But they notified the companies that I was with them, and then slowly they stopped calling me.

My payments were affordable every paycheck for National Debt Relief. All I had to do was keep making payments, and there was finally going to be an end payment, and it wasn't stressful at all. Those payments that I was able to afford came out of my bank account. I didn't have to worry about them. Finally, it came to an end, and it was done with. The online platform was really helpful. When you want to see something about how much you paid or how much is left, you click on the account that they had for me. Whichever company that I owed, they had details of how much I paid and owed.

I was very satisfied with my experience. I became debt-free, and I was able to have my paycheck back and pay my bills comfortably without stressing. National Debt Relief works with you. They walk with you through things that you don't understand. They answer your questions. Not one time was anybody short or rude with me. They were always positive and helpful, and they're knowledgeable about how the program works.

However, the whole setup process was so long. National Debt Relief needed to notify me of so many things. On multiple times, I said yes when they asked “Do you know this?” I asked, “Can this meeting be an email?” “No, we have to notify you of all these things, and you need to admit that you heard them.” The process of setting things up was painful and the amount of emails they sent me constantly was bonkers. They would call and text me as well. It was too much communication and contact.

National Debt Relief's customer support was great, but I am deeply introverted, and they called and emailed me all the time to check on me. If anybody came to me and said, “Oh, did you try these people out?” I'd say, “If you're an introvert, don't use them. If you're an extrovert who loves talking to people and reading emails and getting 100 emails a day, go for it.” I had to filter these people to a folder that I never checked and I had to also ask them to, “Please stop. I'm giving you the money, and we got our settlement, and everything's cool. Can you just leave me alone?”

When I get surveys in my email from people, I say, “You realize this takes time for me to fill out, right? Give me money for my time. I'll give you my opinion, but this is literally painful for me. I can't deal with this.” So, I soldiered through it, but I reached out to them a couple of times and said, “Please, I don't understand why you guys need to check in with me every five minutes. I don't have any more debt. I'm not incurring more debt. I'm making my payments on time. Everything's working out. Good day.”

Overall, my introversion is my problem, not theirs. National Debt Relief did what they said that they were going to do, so I would give them a really high rating. They did what they were supposed to do, and they did it well. I can't fault them for that. Mission accomplished. I am free of debt and I won't get any more, but they definitely need to work on the amount of reaching out they do. Maybe they need introvert boxes like, “I'm introverted. Never reach out to me unless you really need to.”

The enrollment process was okay. It was a little bit confusing at first, because at that point, I was swimming and losing water. So, I needed something to do. But they were really nice. They helped me out, and that made it easy for me. The rep worked it through and said, "Okay, we've got this. And this is what we're gonna do.” Then he was saying, "Okay, we need this information. We need to have this sent to us.” I was able to get all that together, fax all the information in the different companies that I had payments to. It worked out pretty easily at first. It was just a little bit for me, ‘cause I couldn't actually see the process. We were just talking about it. And I'm more of a visual person. But that was okay. The rep I worked with explained it. He was very patient with me and went over every little bit, exactly when things were gonna come out, when it was gonna do this.

I really liked the program because as I put money in, it got up to a certain point. The main thing I liked was that I could go on those websites that I owed money to, those companies, and I could put in a phone number for them to call other than calling me. Two companies would keep calling me. I said, "I've asked you to please call them. They are my representative to pay off this debt.

One was Best Buy, and they were ugly. ‘Cause I said, ”I don't wanna not pay the bill. I'm just going through a company to help me.” It was really beneficial to have a phone number I could give them, and they could talk to them. That was the most helpful to me.

The second most helpful thing was that NDR worked out a budget for me that was good for me. When an offer came through, they said, “We're gonna do this much.” It was really nice, because most of it I was able to take. But then some of them said, “Okay, can you give this much more money a month for three months? And then it'll go back down.” I can budget that in. It wasn't all of a sudden, “Oh, you have to have this right now.” It just worked out really nicely.

I appreciated the way the program was interested in my welfare. That I still had money for medicine, shelter, clothes, the basic needs. That was really helpful, and being able to have that money taken out and being used appropriately. I did not think the fees were extraordinary, ‘cause I figured they were doing a lot of work. They’ve got a lot of people to pay. So, to me, the whole program was beneficial.

I would tell others to do it as well because they're gonna benefit in the long run. It was a tremendous weight off my shoulders. The person that I talked with first told me my credit score was gonna go tank really low, and it did. But I knew it was gonna come out of that eventually. It was gonna get better. I was gonna get all this paid off. I could show that these things were paid, not just written off as a bankruptcy. I think it also made me smarter to only use what money I had, not money that was on a credit card.

It's a very good program. They’re upfront with everything, and they are honest. And when I called to ask a question, even if it was something that maybe to them was simple, I wasn't treated like that. It was always something, “Okay, let me see. How can I help you understand this?” Or if I was in a little bit of trouble, they’ll say, “How can we help you with that?” I really appreciated it.

They were also easy to use. I could send a message if I needed to. I found calling was better for me ‘cause I could talk to a person and talk out what my question was, or if I was scared about something, like when I got the suit. I was like, “What do I do? What do I need?” They said, “You don't need to do anything. Just send us the paperwork. We'll take care of it. That's what we're here for.” Even the lawyers were great. They reached out to me when I had a question about what they were emailing.

It was a non-refundable contract I signed for services I never received for not earned legal and medical fees. I used 28 credit cards to prepay for services I never received. For two years, the monthly payments on 28 credit cards totaling $47,000.00 has forced me to work three fulltime jobs which I am still doing. The income I earned that went to the monthly credit card payments put me into a new tax bracket. My 2025, Federal Income Tax Bill is $6,800.00. I start a monthly payment program with the IRS on August 15, 2026. They will take $700.00 out of my account on the 15th of each month. My monthly payments to NDR is going to be taken out of my account on the 1st and 15th of each month.

Mr. **, listened to my situation and got me low bi-monthly payments in the amount of approximately $325.00 twice a month for five years with no hidden interest or legal fees. Mr ** explained to me that the NDR company negotiates for settlements at a lower than amount owed to creditors fashion that fosters all payments paid in full to each creditor as they are paid allows for all fees to be paid at that time for each creditor respectively, as each are paid. The structure of the payoffs includes me each time as Mr ** carefully explained to me so that I know and approve when each credit card creditor is being paid after all agree to the final settlement amount.

The unpaid cards, as Mr. **, further explained, are maintained by Global Banking wherein the monthly payments I make goes into this general account and the credit card debts are managed by the Global Bank and NDR. I kept my credit in tact and in good standing and Mr De La Rosa had me approved within minutes. I can pay off my loan early without penalty or deposit larger payments each month. I feel like Mr. **, covered all areas to perfection.