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      Your Money

      Credit & Debt Debt Management

      National Debt Relief Review

      National Debt Relief can help you pay off your debts for less than you owe
      By Holly Johnson
      Updated January 13 2023
      Read by Margaret James
      Fact checked by Katrina Munichiello

      We suggest the top products by conducting an independent review Advertisers do not influence our choices. We could receive compensation if you visit our partners that we recommend. Read our advertiser disclosure for more info.
      National Debt Relief logo
      Rating for Investopedia: 4.6
      Request an Estimate

      Our Take

      National Debt Relief is a highly rated company for debt relief that provides a free consultation with debt counselors who can aid. The company was founded in 2009 and the company helps people settle their debts with less debt than they are owed. Our independent evaluation of debt relief companies, National Debt Relief earned the highest ranking for being “best in all.”

      Pros & Cons
      The most important takeaways
      Overview of the Company


      No upfront settlement fees

      Free consultation can assist you in comparing your options

      Client portal allows you to track your progress in real time


      The cost of fees can be up to 25% of your settled credit

      Mobile apps are not available in the program

      National Debt Relief logo
      overall rating 4.6
      Request a Quote
      Table of Contents

      Pros Explained
      Pros and Cons Explained
      Debt types addressed
      Client Onboarding
      Customer Service
      Company Reputation
      Average Amount of Relief
      Average Time for Relief
      The Concurrence
      Final Verdict

      National Debt Relief is a business that offers relief through a process known as debt settlement. The goal of this process is to assist consumers in getting out of debt. In the process of debt settlement, it’s possible to put the amount in a savings bank account each month until you’re ready to “settle” the debt to pay less than what you owe.

      You’ll pay National Debt Relief a percentage of the debts they pay and only after you get results. This company claims that, even after accounting for their fees, clients save anywhere from 30% and 50% of the original debt at the time that the process is finished.

      A no-cost consultation can aid you in deciding whether debt settlement is the best option for you.

      The process of settling debts can do damage to your credit score as you stop paying your debts during your program. Be sure to understand the benefits and drawbacks of debt settlement before you proceed, and shop around with various debt relief businesses before making a final decision.
      Pros Explained

      No upfront settlement fees No upfront settlement fees: With National Debt Relief, you only pay when you get results. Fees are charged in the form of an amount of the debt that is settled, and only once the negotiation is completed.
      A free consultation is a great way to evaluate the options available to you: You can phone National Debt Relief to speak with a debt counsellor for no cost. This session gives you the opportunity to ask questions and find out whether debt settlement is the right choice for you.
      Client portal lets you track your progress in real-time In contrast to other debt relief agencies, National Debt Relief has an online client portal which lets you oversee your program and track your debt settlement process at any time of the day or night.

      Pros and Cons Explained

      The fees can be up to 25% of the amount you have settled debt. A few of the companies that we studied independently have fees that are lesser proportion that National Debt Relief.
      No mobile app available with the program: Although National Debt Relief does have an online client portal, this debt relief firm doesn’t have an app on mobile that allows you to track the progress of your debt settlement program in the field.

      The types of debt addressed

      National Debt Relief aims to aid consumers to pay off unsecure debt, which includes any kind of debt that isn’t secured by collateral. It is good to know that the company has a debt qualifications page on their website , where they outline which debts qualify and don’t meet the criteria for. The principal types of debt they address are listed below.
      Credit card indebtedness

      If you are in credit card debt from a conventional credit card or store credit card, National Debt Relief can assist you in settling for less than what you owe. This is the case for the most popular credit cards such as American Express, Visa, or Discover as well as co-branded cards from retailers like Kohl’s or Sears.
      Personal loans as well as payday loans

      You can also negotiate with and resolve any personal debts you have, including personal loans from an online or bank or even payday loans. Installment loans can also qualify.
      Business debts

      Business debts can be negotiated and settled for less than the amount you are currently owing. National Debt Relief says these loans should be secured and prefer to to negotiate debts for companies that are already closed.
      Unpaid medical bills

      National Debt Relief can also aid you in paying less than what you owe on your medical expenses. Negotiations can be successfully completed through doctor’s offices, hospitals and other medical professionals.
      Back rent

      If you’re behind on the rent you pay, then you may be able to negotiate the amount due in arrears. However, you can only negotiate the debt if you have ceased to be an resident.
      Private student loans

      You may also be able to settle debt linked with private school loans with a lesser amount than the total amount. Be aware you that federal student loans are not eligible to be a debt settlement.

      You can bundle more than one kind of debt in a settlement program. If you’re in debt from credit card debt, medical bills, and business debts, for example, National Debt Relief can assist you in settling the entire amount in your plan.
      Client Onboarding

      The first step to begin using National Debt Relief requires you to contact us for a free consultation. In this meeting with a counselor for debt, you can talk over your financial situation and circumstances, then find out how long the debt settlement process could be and how much you can save.

      National Debt Relief states that you must have a minimum balance of $7,500 in order to be eligible for their program. Also, you must be “several months behind on your payments” because creditors don’t have an incentive to negotiate if you’re up-to-date on your bills.

      If you don’t have enough debt to be eligible for the debt settlement program You can consider alternatives like credit counseling or program for managing debt (DMPs) and the debt consolidation loans.
      Customer Service

      One advantage when working with a company that deals in debt relief is the fact that they know the debt collection rules and regulations in and out. For instance, National Debt Relief states their debt counselors and experts can assist you with the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act as you settle your debt.

      This company offers telephone and email customer service. If you need a complimentary debt counseling, you are able to make a call to talk with an advisor every day from 8 a.m. to midnight EST and also on Saturdays from 10 a.m. to 10 p.m. Existing customers can reach out for phone assistance every day between 10 a.m. to 8 p.m.

      National Debt Relief doesn’t offer mobile apps or an online chat function, so there are fewer options to get assistance than the ones that some companies offer. However, their numerous positive user reviews praise rapid response times and the willingness to help.
      Company Reputation

      The field of debt relief is not without many scams This is the reason it’s crucial to research firms before signing to their services. One way to do this is through the Consumer Financial Protection Bureau (CFPB) database that lets you search for user complaints among debt settlement companies.

      This company scores an average rating of 4.7 out five stars, based on nearly 35,000 user reviews on Trustpilot.

      Because of their excellent reviews and third-party rankings, National Debt Relief received some of the highest scores on reputation and reputation among our independent study.

      If you’re having a problem about the service of a debt relief company, you can submit a complaint to the FTC or call 877-FTC-HELP.
      Average Relief Amount

      National Debt Relief states that the amount you save is contingent on a myriad of variables. However, most people save 30% to 50% off of the original amount of debt and these savings are realized even after taking into consideration the fees you pay for your repayment program.
      Average Time to Relief

      Settlement of debts through National Debt Relief should take between 24 to 48 months, which is average among other companies. The amount of time required to complete your plan can differ based on the amount you owe, the amount you’ll save each month, as well as other factors such as how willing lenders are to negotiate.

      National Debt Relief says their average client pays a fee of between 15% and 25 percent of the debt they enroll into their service. The fee is only paid once results are achieved and debt has been settled at a lower rate than the original amount.

      Generally speaking, their fee percentage is generally on level with industry averages.
      The Competition
      National Debt Relief Accredited Debt Relief
      Year Founded 2009Year of Inception: 2009
      Accreditation – Accredited by the American Fair Credit Council (AFCC)
      – Accredited with the International Association of Professional Debt Arbitrators (IAPDA) — Accredited with the American Fair Credit Council (AFCC)
      Not accredited by the International Association of Professional Debt Arbitrators (IAPDA)
      Services AvailableDebt settlement Settlement of debt
      Customer Service TouchpointsFree consultation; Phone and email customer service Online client portal Free consultation; Telephone and email customer service
      Fee : No upfront charges and pay between 15% and 25% of your debtThere are no upfront costs; pay 15% to 25 percent of your debt
      Average Program TimeBetween 24 and 48 months24-48 months

      We decided to compare the highly-rated National Debt Relief to Accredited Debt Relief Accredited Debt Relief, the debt relief company that scored the second-highest ranking in our independent study. Both received high ratings from Investopedia according to their customer service, business reputation, fees, and services offered. Further, they both offer the same program length of between 24 and 48 months. They also provide a no-cost consultation as well as fees that fall between 15% and 25% of the amount you have paid off in debts.

      In this regard, National Debt Relief stands apart due to their IAPDA accreditation. National Debt Relief also offers an efficient online portal to help customers manage their programs and monitor their progress any time of the day or night.
      Final Verdict

      In the final analysis, there is no debt relief company that we would recommend more than National Debt Relief due to its professionalism, efficiency of the company, costs and fees, as well as its excellent customer service. This company scored an average score of 4.63 out of 5 potential stars on our independent study, while the average firm scored only 3.56.

      If you have at least $7,500 of unpaid debt that you’d like to settle, you should reach out to National Debt Relief for a no-cost consultation. There aren’t any upfront costs needed, and you’ll find out whether debt settlement is the right choice with no obligation.
      Get an Estimate
      How We Review Debt Relief Companies

      Investopedia has conducted an independent study that compared over 15 different debt relief businesses by the quality of their service to customers, their ratings and company’s reputation, the range of products they offer, their pricing, and transparency. We sought out debt relief companies that have good reviews and testimonials from customers, customer service accessibility, as well as the important information about their plans clearly posted online, and firms that have excellent ratings from third party sources.

      Ultimately, National Debt Relief scored the highest rating of 4.63 out five stars in our rating which earned them the top spot in our ranking as “best in all.”
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