FOLLOW US

National Debt Relief vs. Freedom Debt Relief

Compare services, qualifications and fees

Profile picture of Jessica Render
by Jessica Render ConsumerAffairs Research Team

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

 national debt relieffreedom debt relief
Minimum debt$10,000 in qualifying debt$10,000 in qualifying debt
Types of debt coveredUnsecured debtUnsecured debt
Program length24–48 months24–60 months
Fees18–25%15–25%
Availability41 states36 states and 3 territories
AccreditationIAPDA, AFCCIAPDA, AFCC
Customer SatisfactionRead ReviewsRead Reviews
 Minimum debtTypes of debt coveredProgram lengthFeesAvailabilityAccreditationCustomer Satisfaction
national debt relief$10,000 in qualifying debtUnsecured debt24–48 months18–25%41 statesIAPDA, AFCCRead Reviews
freedom debt relief$10,000 in qualifying debtUnsecured debt24–60 months15–25%36 states and 3 territoriesIAPDA, AFCCRead Reviews

Best 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.

Best 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).

LabelCompany nameLogoContactSummary
Best for availability(888) 215-2725 Get a Free Quote Visit website
LabelCompany nameLogoContactSummary
Best for services Visit website

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

Want to be matched with a debt settlement company?

Take our two minute quiz to find the right settlement company for you.

Did you find this article helpful? |
Compare more debt settlement companies
Profile picture of Jessica Render
by Jessica Render ConsumerAffairs Research Team

As a member of the ConsumerAffairs research team, Jessica Render is dedicated to providing well-researched, valuable content designed to help consumers make informed purchase decisions they can feel confident making. She holds a degree in journalism from Oral Roberts University.