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National Debt Relief Review: Expert Analysis & User Insights for 2022

National Debt Relief is one of the largest, most experienced debt settlement companies in the United States. The New York-based company has been in business since 2009, and has helped over 400,000 consumers find debt relief in the past 13 years.

A Review of National Debt Relief
National Debt Relief
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Diverse service offering
Diverse service offering
Low minimum debt requirement
Low minimum debt requirement
Money back guarantee
Money back guarantee
Trustworthiness and stability
Trustworthiness and stability
Michelle Lambright Black
Credit Expert and Financial Writer

Consumers who are going through financial difficulties (e.g., illnesses, job loss, divorce, etc.) and struggling to manage unsecured debt might consider working with National Debt Relief. The company claims that customers who stick with the program save around 30% on their outstanding debts—a figure that includes National Debt Relief’s fees.

Editor’s Note (Warning)

Debt settlement through any company, National Debt Relief or otherwise, has some serious risks and downsides to consider. When you work with a debt settlement company you open yourself up to the potential for:

  • Credit Score Damage
  • High Costs
  • Getting Sued By Creditors
  • A Lengthy Debt Settlement Process (Often Several Years)

Because of these potential problems, debt settlement should typically be a last resort when it comes to debt management strategies. In fact, some people would be better served to file bankruptcy than to work with a debt settlement company.

Summarized Rating

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

National gets a worst-in-class 2.3 for Services and Solutions. This reflects its fairly standard service offering and minimum debt requirement, but very limited geographic footprint.

National Debt Relief Pros and Cons

Here are some of the benefits and drawbacks you might encounter when working with National Debt Relief Pros to settle your outstanding debts.

National Debt Relief Pros
Clients save an average of 30% after fees
Initial consultation is free
No fees are due if settlement isn’t successful
Company’s debt negotiators are highly rated
National Debt Relief Cons
You might experience severe credit score damage
Debt settlement fees are as high as 25%
Not available in all states
Some debts are not eligible for settlement
Creditors might sue you when you stop paying debts
No mobile app available

Types of Debt Covered By National Debt Relief

National Debt Relief can help consumers negotiate most types of unsecured debts. An unsecured debt is a debt that you did not secure with an asset, such as a home (for a mortgage) or a vehicle (for an auto loan).

Below are some examples of the types of debts National Debt Relief might be able to help you settle if you decide to become a customer of the program.

Major Credit Cards
Retail Store Cards
Gas Station Cards
Personal Loans
Payday Loans
Repossessions (Deficiency Balances)
Unpaid Medical Bill
Veterinarian Bills ($500 or More)
Lines of Credit
Bank Overdraft Fees
Defaulted Cell Phone Bills
Business Debts
Some Student Debts Abandoned Time Shares
Judgments (6 Months or Older)
Back Rent (After Eviction)
Other Unsecured Debts Not Tied to an Asset

However, there are several types of debt (both unsecured and secured) that National Debt Relief will not negotiate on your behalf, including:

Auto Loans
Mortgage Loans
Child Support
Tax Bills
Speeding Tickets and Fines
Current Cell Phone Bills
Insufficient Funds (NSF) Fees
Gambling Debts
Rent-A-Center Bills
Insurance Policies
Bail Bonds
Check Cashing Establishment Fees
Auto Repair Bills

National Debt Relief Services

Customers of National Debt Relief can enjoy a variety of debt relief and financial services. These services include professional debt settlement, financial counseling, and help creating a budgeting plan to address problem areas of overspending.

The process starts with a free consultation. You can discuss your debt situation with a representative of National Debt Relief Services first. Then, after finding out the potential solutions the company has to offer, you’ll be in a better position to decide if hiring National Debt Relief is right for you.

It’s important to note that not everyone is eligible to work with National Debt Relief. Reports state that the company doesn’t work with consumers in any of the following states due to regulatory obstacles.

  • Connecticut
  • Georgia
  • Kansas
  • Maine
  • New Hampshire
  • Oregon
  • South Carolina
  • Vermont
  • West Virginia

Furthermore, you must have at least $7,500 worth of eligible debt and be several months behind on payments to become a client of National Debt Relief.

The average time of debt relief varies from person to person, as is the case with most debt settlement companies. For example, the speed at which you can save money for settlement has a major impact on how long the process takes.

National Debt Relief says most people need 24 to 48 months to complete the program. As far as savings goes, the company claims that clients who stay with the program through completion may save around 50% off their debts before fees or 30% after fees.

Breadth of services offering Free initial consultation, debt settlement, financial counseling, and budgeting plans
Extent of Geographic Presence Available in 41 out of 50 states
Minimum Debt Required At least $7,500
Average Time for Relief 24-48 months (but can vary)
Average Relief Amount 30% savings after fees

National Debt Relief Costs and Fees

Debt settlement companies are known for having high fees, and National Debt Relief is no exception. The company says that its clients typically pay 15%-25% of the total debt they enroll in the program as part of their monthly payment.

Let’s take a look at how the math breaks down. If you enroll $15,000 worth of eligible debt for National Debt Relief to negotiate on your behalf, you could pay as much as $3,750 in fees.

Overall, however, there would be some potential savings in this scenario too. If you enrolled $15,000 worth of debt and National Debt Relief settled those financial obligations for 50% of what you owe, you’d save $7,500. When you factor in the $3,750 in potential fees (at 25%), your total savings would be $3,750.

It’s also worth noting that National Debt Relief charges no upfront fees and no cancellation fees. In fact, you pay no fees whatsoever until you approve a settlement agreement and the company settles a debt on your behalf.

Upfront Fees None
Settlement/Performance Fees 15%-25% of Settled Debt
Other Fees N/A
Cancellation Policy Cancel Anytime
Moneyback Guarantee Policy None

National Debt Relief Customer Experience

If you decide to hire National Debt Relief to work on your behalf, here are some of the features you may experience.

  • Website Extensiveness and Usability: National Debt Relief’s website contains several sections of helpful educational information (e.g., blog and resources) that could benefit people trying to get out of debt. The FAQ page is easy to navigate and contains useful information as well. But the website’s menu leaves a little to be desired.
  • Call Center Support: Sales and customer service agents are available via phone seven days a week. Business hours are 8:00 am – 12:00 am EST Monday – Friday, 10:00 am – 10:00 pm EST on Saturdays, and 10:00 am – 9:00 pm EST on Sundays.
  • Multi-channel Support: In addition to telephone support, you can contact National Debt Relief customer service via email, social media, and old-fashioned snail mail.
  • Supplemental Support (Information & Tools): Customers of National Debt Relief also have access to an online client dashboard they can use to schedule deposits, request customer support, and track their debt settlement progress. The company also makes several free financial calculators available on its website to customers and non-customers alike.
  • Mobile Technology: National Debt Relief doesn’t offer a mobile app that its customers can use to manage their debt settlement experience. However, the company does have a “Debt Free App” available at no charge through the Google Play store that any Android user can access for DIY budgeting and debt management.

National Debt Relief Trustworthiness and Stability

National Debt Relief fares is a highly-rated debt relief organization that has been in business since 2009. In that 13-year span of time, National Debt Relief has helped over 400,000 customers settle their debts.

The company is also an accredited member of the American Fair Credit Council (AFCC). And National Debt Relief is an International Association of Professional Debt Arbitrators (IAPDA) accredited service center.

Years in Business 13
Customers Serviced / Debt Managed 400,000 Customers
Certifications and Memberships 2 (AFCC and IAPDA)

National Debt Relief User Reviews

Before you work with any company, debt settlement or otherwise, it’s wise to consider what previous customers have to say about their experience. No company is likely to have a perfect track record of consumer reviews, but an overwhelming number of negative reviews could be a warning sign.

Overall, National Debt Relief has more positive reviews than negative. The debt settlement company has a TrustScore of 4.7 out of 5 with Trustpilot based on 35,350 reviews. The majority of reviews (85%) rank the company as excellent and just 2% rank it as bad. Those who are pleased with the service praise the professionalism and success of the company’s staff. Yet there are a few complaints about the process taking longer than expected and disappointment with the debt settlement offers the company negotiated being too high.

The company has an A+ rating and is an accredited member of the Better Business Bureau. Yet despite the high rating, National Debt Relief does have 257 complaints with the BBB from past customers.

ConsumerAffairs also gives National Debt Relief a high rating - 4.8 out of 5 stars based on 1,451 reviews. Numerous reviews praise the company for its speed and efficiency, along with transparency when it comes to their fees for services.

National Debt Relief Compared to Other Companies

Here’s a look at how National Debt Relief compares to other debt settlement companies.

National Debt Relief Freedom Debt Relief Accredited Debt Relief
Minimum debt required $7,500 $7,500 $10,000
Fees 15%-25% 15%-25% 15%-25%
Cancellation Policy Cancel Anytime Cancel Anytime Cancel Anytime
Moneyback Guarantee Policy No fees due until you approve settlement offers. If fees exceed settlement costs for enrolled debts, company will refund the excess. Yes (Specifics not available online.)
Average Relief Amount 50% Before Fees Not Disclosed 55% Before Fees

Final Thoughts

Working with any debt settlement company comes with risks. Your credit score could undergo severe damage. You may incur expensive fees that add up to multiple thousands of dollars. In some cases, your creditors might even opt to sue you if you stop paying your bills to build a debt settlement war chest.

Finally, there’s nothing a debt settlement company can do for you that you can’t do for yourself. And there’s no guarantee that a debt settlement company will be successful when it negotiates on your behalf.

However, if you decide that debt settlement is the right choice for you, National Debt Relief has a good reputation in the debt relief industry. And some financial experts do recommend considering debt settlement before extreme debt solutions like bankruptcy.

Frequently Asked Questions(FAQ)

Is National Debt Relief a legitimate program?

National Debt Relief does appear to be a legitimate program. The New York City-based company has been in business for over 13 years, and says it has helped more than 400,000 consumers get out of debt during that time.

What does National Debt Relief help with?

National Debt Relief helps consumers who are struggling with unsecured debts. The debt settlement company may be able to help negotiate lower settlement offers for unpaid credit card balances, personal loans, medical bills, collection accounts, repossessions, business debts, private student loans, and more.

How many points does debt relief hurt your credit?

Working with a debt relief company has the potential to hurt your credit score. If you stop paying your bills in an effort to convince a creditor to negotiate with you, late payments are likely to appear on your credit reports. When you fall far enough behind on your credit obligations, those accounts may turn into charge offs and collection accounts as well. All of these derogatory items have the potential to damage your credit score, and to continue doing so for up to seven years.

How long does it take to rebuild credit after debt settlement?

Most negative items can remain on your credit report for up to seven years. Yet as time passes, derogatory items tend to damage your credit score less and less. For example, a late payment that just happened will probably have a bigger impact on your credit score than a late payment that’s four years old. You can also work to add positive payment history to your credit report that might offset some of your negative credit information.

How does National Debt Relief work?

You can start with a free consultation to learn more about the services National Debt Relief offers and whether you qualify for debt relief services from the company. Next, a representative can discuss payment options and time frames with you so you’ll have an idea of how expensive (and how long) the process may be if you decide to move forward. Many people are able to complete the debt settlement process with National Debt Relief in 24-48 months. But if you need to make smaller monthly payments toward your debt settlement and associated fees, the process could take longer for you.

How to cancel your National Debt Relief contract?

National Debt Relief lets its customers cancel any time. You will need to sign and date the Notice of Cancellation Form in your Debt Relief Agreement and fax it to 866-460-5541. You can also can and email the completed form to It’s always smart to confirm receipt of cancellation requests by calling 888-660-7427.

Michelle Lambright Black

Michelle Lambright Black

Credit Expert and Financial Writer

Credit expert with over 19 years of experience, a freelance writer, and a certified credit expert witness

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