National Debt Relief vs. Freedom Debt Relief

If you’re behind on credit card payments, a debt settlement company can negotiate with creditors to decrease your total amount of debt owed. When researching debt settlement companies, it’s important to consider fees, service offerings, features and customer service. It’s possible to settle debt on your own, but it’s not always easy. Companies like National Debt Relief and Freedom Debt Relief can do the work for you by talking directly to your creditors.

National Debt Relief vs. Freedom Debt Relief

Minimum debt	$10,000 in qualifying debt	$10,000 in qualifying debt
Types of debt covered	Unsecured debt	Unsecured debt
Program length	24–48 months	24–60 months
Fees	18–25%	15–25%
Availability	41 states	36 states and 3 territories
Accreditation	IAPDA, AFCC	IAPDA, AFCC
Customer Satisfaction	Read Reviews	Read Reviews

	Minimum debt	Types of debt covered	Program length	Fees	Availability	Accreditation	Customer Satisfaction
	$10,000 in qualifying debt	Unsecured debt	24–48 months	18–25%	41 states	IAPDA, AFCC	Read Reviews
	$10,000 in qualifying debt	Unsecured debt	24–60 months	15–25%	36 states and 3 territories	IAPDA, AFCC	Read Reviews

Great for availability
National Debt Relief

How National Debt Relief works
National Debt Relief is a certified debt settlement company that has helped thousands of Americans get out of debt. They are accredited members of the International Association of Professional Debt Arbitrators and the American Fair Credit Council. The company provides financial consultation, education and solution recommendations, and specializes in helping customers with over $10,000 in unsecured debt.

National Debt Relief services

• Debt settlement
• Debt consolidation
• Debt negotiation
• Bankruptcy

National Debt Relief qualifications
National Debt Relief requires a minimum debt of $10,000 and states that customers must be experiencing significant financial hardship. The company also states that you need to be several months behind on payments to qualify for their debt settlement services.

Types of debt settled

• Unsecured credit cards
• Unsecured Personal Loans
• Repossessions
• Business Debts
• Medical bills
• Certain student debts

Types of debt not settled

• Mortgage loans
• Auto loans
• Child support
• Back taxes
• Speeding tickets
• Current litigation accounts
• NSF checks
• Gambling debts
• Cash advances
• Car repair bills
• Bail bonds
• Other secured debts

National Debt Relief fees
National Debt Relief doesn’t charge upfront fees. The company gets paid when your debt is reduced, so you won’t pay anything until your enrolled debts are resolved. Fees range from 18–25 percent of your total enrolled debt. You can cancel at any time without penalties or fees.

Great for services
Freedom Debt Relief

How Freedom Debt Relief works
Freedom Debt Relief has settled over $10 billion in debt since 2002. As one the nation’s largest debt negotiator, its mission is to provide financial solutions, services and education to help people achieve financial freedom. The company offers a free, no-risk debt consultation to help customers find a solution for their debt. They also provide an online client dashboard where customers can track their progress 24/7. Freedom Debt Relief is an accredited member of the American Fair Credit Council and the International Association of Professional Debt Arbitrators.

Freedom Debt Relief services

• Debt settlement
• Debt consolidation
• Debt negotiation

Freedom Debt Relief qualifications
Freedom Debt Relief specializes in cases where clients have a minimum of $10,000 in credit card debt.

Types of debt settled

• Unsecured credit cards
• Medical bills
• Personal loans
• Certain private student debts
• Some business debts
• Other unsecured debts

Types of debt not settled

• Mortgage loans
• Auto loans
• Debt involving collateral
• Federal student loans
• Other secured debts

Freedom Debt Relief fees
At Freedom Debt Relief, clients pay no fees until a debt is negotiated. After clients authorize the settlement, a fee typically ranging from 15–25 percent is processed (rates vary by state).

Bottom line: National Debt Relief or Freedom Debt Relief?

Both National Debt Relief and Freedom Debt Relief boast positive reviews from consumers who appreciate the companies’ professionalism, financial expertise and ability to reduce their debt. Freedom Debt Relief also has a longer track record, however, National Debt Relief is available in more states.

• National Debt Relief is great for wider state availability and debts over $10,000
• Freedom Debt Relief is great for premium customer service and debts over $10,000