National Debt Relief
National Debt Relief is a debt settlement program for those with over $7,500 of unsecured debt. Add your review!
Call For Free Consultation: 1-(866) 870-1188
Is this legitimate? Yes – NDR is an accredited company, and one of the top debt settlement companies in the U.S. Read Reviews Below.
| About National Debt Relief | |
|---|---|
| How much money can I enroll? | $7,500 - $100,00 of unsecured debts |
| How long will it take? | 24 to 48 months |
| What are the upfront fees? | No upfront fees |
| How much will it cost? | 18% - 25% of the debt you enroll |
| How much will I save? | Pay 30% less than what you currently owe |
Pros
No Up-Front Fees
There are no upfront fees (which is typical for the industry). They also promise to not charge any cancellation fees and do not charge monthly payments. National Debt Relief will not charge customers until their debt management problem is resolved. They charge an average of 18-25% of the amount you saved after your debt has been settled for settlement services.
Money-Back Guarantee
National Debt Relief allows customers to cancel services at any time and gives them the option of a money-back guarantee if they’re not happy with the debt management plan or service they received. The National Debt Relief program does include a 100% money-back guarantee. A money-back guarantee is a promising offer from a debt relief company. It shows that they stand by the work they do. If you don’t see results, you can receive a refund. This type of money-back guarantee is great for those who are worried about experiencing further financial hardship.
Industry Accreditations
The National Debt Relief program, and company, is accredited by the AFCC (Association of Family and Conciliation Courts) and IAPDA (International Association of Professional Debt Arbitrators). They also comply with the Federal Trade Commission (FTC).
Works With Some Secured Debt
National Debt Relief works with some secured debts whereas other debt settlement companies won’t.
National Debt Relief offers debt settlement mainly to customers with unsecured debt such as credit cards, personal loans, and lines of credit, medical bills, collections and repossessions, and business debt. They will work with creditors on a small, few certain secured loans like totaled car debt, some student loan debt, and second mortgage on a foreclosed home. They do not offer settlement services for average secured debt.
Compare to Freedom Debt Relief (rated 9/10 by customers)
Cons
Potentially Higher Costs
Working with National Debt Relief you could pay anywhere between 18-25% of the debt you settle as a monthly payment (this is on top of what you pay your creditors). However, depending on how much National Debt Relief can settle your debts for, you could potentially pay 30% less on your debts.
National Debt Relief Complaints
National Debt Relief is rated 2/10 by consumers on our site; Freedom Debt Relief is rated 9/10. Common complaints among National Debt Relief reviews include:
- Unprofessional behavior
- Being passed off between employees
- Being treated well during enrollment and then the quality dropping once the debt settlement process actually starts.
The company provides an online dashboard to help clients keep track of their debt management program, but customers have still said they feel disconnected from the debt settlement process. Read reviews or add your own below.
Limited Availability
National Debt Relief’s services and are also only available to those with at least $7,500 of debt. Debt consolidators are not operating in the following states: CT, GA, IL, KS, ME, NH, OR, SC, VT, and WV.
Our Recommendation
Unlike some other debt settlement companies, National Debt Relief does not charge any additional fees including upfront fees, monthly payments, or cancellation fees. The company explains that customers doing start paying for services until their debt problems are solved. National Debt Relief also offers a money-back guarantee, has plenty of industry accreditations, works with some secured debt, and has an online dashboard that clients can use to check their debt management program progress. Additionally, National Debt Relief offers several other professional debt services including credit counseling services, credit card debt relief services, and debt settlement services.
If you are interested in National Debt Relief services, we encourage you to call them and see how much you could save at 1-844-290-8984 or get a free quote online.
National Debt Relief vs Freedom Debt Relief
| National Debt Relief | Freedom Debt Relief | |
|---|---|---|
| How much money can I enroll? | $7,500 - $100,00 of unsecured debts | $7,500 of unsecured debts |
| How long will it take? | 24 to 48 months | 24 to 48 months |
| What are the upfront fees? | No upfront fees | No upfront fees |
| How much will it cost? | 18% - 25% of the debt you enroll | 15% - 25% of the debt you enroll |
| How much will I save? | Pay 30% less than what you currently owe | Varies |
| Average consumer rating | 2/10 | 9/10 |
About National Debt Relief
National Debt Relief provides various services including credit card debt relief services, debt settlement services, credit counseling and more. They have consistently shown a willingness to give customers the best service for their specific financial situation.
How National Debt Relief Works
National Debt Relief is a debt settlement company. Debt settlement companies work with your creditors on your behalf to negotiate a lower overall amount due. The program follows these basic steps:
- Call National Debt Relief for a free consultation to see if debt settlement is right for your particular financial situation
- If you sign up with NDR, will ask you to stop making your monthly payments (if you haven’t already)
- Set aside the money you would pay for your accounts in a separate savings account. The more money you can accumulate, the faster you can pay off your debts.
- NDR will be the point of contact with your creditors. After several months of no payments, NDR will negotiate a lower amount owed with individual creditors (credit card companies, medical bill collectors, personal loan companies, etc).
- NDR gives the example of their customers paying 30% less than what is owed. For example, if you owe $10,000 on your CitiBank credit card, you may end up paying $7,000.
- You’ll go through this process with each of your creditors until you are debt-free. On average, this takes 2-4 years.
Debt Education Tools
This company offers many resources and tools to help individuals with current and future debt problems, which ultimately improves their overall financial situation. We do, however, wish that the training they offer were more organized to help facilitate better financial learning. They offer FAQ pages, calculator tools, budgets spreadsheets, and more. Some of the topics that the company covers with these resources include how debt settlement can affect your credit score,
We would like to see them organize it into more of a mini school to help customers move through the information more smoothly. Increased direction would be a very valuable service.
Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.
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User Score03 people found this review helpful!Don’t do it! Settle the debt yourself by getting your interest rate lowered and try to pay off as much as you can. Your credit score drops SIGNIFICANTLY and you get a 1099 when you settle your debt which means you have to pay taxes on the amount of money you don’t pay off. It’s treated like INCOME!!! I’m now in debt to the IRS because I cannot afford to pay my taxes!Was this review helpful? YesRead More
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User Score08 people found this review helpful!I entered into an agreement with National Debt Relief in late 2017. I was having issues making my credit card payments on time and thought that consolidating into one monthly payment would help. I spoke with numerous companies and settled on NDR. They promised my debts would be resolved in three years or less and that I would be debt free. When I entered into this agreement I was told they work with directly with creditors to obtain payoffs and make my payments for me. I was also instructed to change my mailing and phone information with all creditors to NDR so I would receive no notifications from them. I felt a great relief after entering into this because a burden had been lifted. Cut to a year and half later and have routinely checked my account to see no debts are resolved and only three out of eleven were receiving payments. I went to see a bankruptcy attorney just to see what my options were and was informed that if you don’t make payments on the debt then there is a chance the companies could file liens against you or garnish your wages. This was something NDR never made me aware of. I immediately cut ties with them and stopped all payments. I am now weeks away from declaring bankruptcy which I never wanted to do and all of my debts have been charged off and sold to collection agencies. Two of them filed subpoenas to take me to court and there is an judgement filed against me now. I was $15,000 in debt when this started and have paid over $6,000 in fees to NDR that I could have put towards my debts and that is not an options now. I feel very violated and stupid for ever using this organization. They take advantage and do not fulfill any agreements they make on your behalf. Most creditors will not even work with them. When I cut ties with them they tried to bully me into staying with them by telling me without using them I would be spending 90% of my income on debt payments. That is not even possible. They are relentless. I am also not able to file Chapter 7 because of my income and will now be paying back my debt through Chapter 13 for five years. I would be very interested to know where all the money I paid to NDR actually went since it wasn’t to my creditors and when they did get “settlements” with the three accounts they always upped my payments because there wasn’t enough in my account to cover it.
I filed a complaint on another site right after I severed ties in April and NDR immediately started reaching out to me to discuss and tell me how my allegations are wrong. There phone calls were very harassing and unappreciated. I do not want them to contact me but do want their business investigated and/or my complaint made public.
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User Score34 people found this review helpful!Having enrolled in the service I quickly learned they sound great till you are enrolled. In one month the company took $838 as a customer fee for arranging payments to the debtors. This money was not for payment of debt but payment to debt relief for their services. 25% of the original debt to the company. Guess I didn’t hear that part when I enrolled.
Lesson learned. Next time contact debtors myself and work Something out.Was this review helpful? YesRead More -
User Score15 people found this review helpful!I was courted through the enrollment process to help me pay off creditors for a rather large medical situation. They made it sound like they would work with them and to pay a fraction of the total owed. The scenario paid was very encouraging. Yet the minute you are hooked in they ignore you and don’t do much until you need to pay them first before they start to help you with your consolidated payments. It is a great idea in theory yet it caused me more of a headache than not. I now have several law firms after me for their clients as I am in collections and more frustrated. I will be looking to others and see if there is anyone else out there who can honestly help me and others.Was this review helpful? YesRead More
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User Score05 people found this review helpful!This is a joke. To be honest if a person can get a way with settling there own debt, that would be the best thing you could do for yourself. Debt company are in it to make money. And they make it seem that they are trying to help you when in all actuality they just want your money. Don’t be fooled by the pleasantries. THEY WANT YOUR MONEY AND WILL FIND A FAST SETTLEMENT SO THEY CAN TAKE THERE FEE AND YOU WONT BE ABLE TO GET A REFUND.
Example: I paid 221.50 bi-weekly for 7x’s. That is $1550.5. The creditor settled for $1800+. Within less than a month, National Debt relief had taken there fees out which totaled to $827.75 and that was just for 1 debt. I have 4 of them and it totaled to $15,012. I currently have 560.82 left in the account balance. So that means that I can since my creditor settled I would have only owed them the 1800 and if you do the math of what I have already paid, I would up from under this debt within my next payment to NDR. But of course since they took there fee out and the $9 a month bank fee, I am even farther from being relieved. Maybe the phone calls stopped, but TBH if I had of sat down and really evaluated what was happening in regards the fees that NDR would take (25%) of the entire amount owed to creditor and not 25% of the settled amount, I would have never contacted them in the 1st place.
The other problem is that they only do one debt at a time which will not help your credit repair…
I ADVISE TO TRY YOUR BEST TO RESOLVE ON YOUR OWN. IT WILL BE CHEAPER TO DO IT YOURSELF!!!
AND YOU MAY HAVE A CHANCE TO GET AN EVEN LOWER SETTLEMENT.
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User Score102 people found this review helpful!Resolved debt within 6 months, one was written off to hardship as card was used for medical purposes and I did make an aggressive effort to add in more funds each month so this would go quickly. Thought the debt counselors were very professional and helpful. My score has already started to jump up a week after completing and graduating! Will never get in the situation of owing on credit cards again!Was this review helpful? YesRead More
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User Score016 people found this review helpful!I wished that I did more research before signing up with National Debt. In the beginning they told me they can negotiate my creditors to at least 50%. They said that they are better than a debt consolidation loan. They convinced me to get Gitmeid, so I did. They said most of their clients never get lawsuits, but did it anyways. They made it sound like that they’re here to help you. WRONG. Instead I am told I should give them more money but I tell them I cannot afford it. They don’t really tell you on what’s going on in the background so I basically have to call and ask. Now, facing two lawsuits they are asking me to get a consolidation loan from Liberty Lending. Wait? What? I thought they were better than going to a consolidation loan? They said they need the money so that they can quickly negotiate my creditors faster, in 90 days. Here’s the kicker. My enrolled debt is almost $19K. Total spent to National is $4K, the loan after paid off? $14K. You do the math. I could have just done this on my own. It’s basically the same amount of money. They are making money off me at the expense of my now bad credit. I think this Liberty Lending is the same company as National Debt. I think I got scammed.Was this review helpful? YesRead More
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User Score09 people found this review helpful!I didn’t save but about 1k after all the fees charged. I didn’t realize it until it was too late. I was 18k in debt and paid them 17k. This didn’t help me at all. They lied about the fees. Now my credit score sucks for nothing. I was current before enrolling in this program.Was this review helpful? YesRead More
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User Score012 people found this review helpful!I worked with this company for a year. In that time, all three of my accounts have been charged off. For months, I was told that one of my accounts was resolved and payments were completed. However, as soon as I asked for a paid in full letter, all of sudden, it was NOT resolved. NDR had only paid one payment out of three. Total scam artists. They had taken $1500 in fees over the past year & had accomplished nothing. It took WEEKS of calling several times to get them to agree to refund the $1500 in fees. There was absolutely zero benefit to being in this program the past year. Only frustration, lies, and being flat out stolen from. They have finally agreed to refund the fees, but I am STILL waiting to see that deposit show up in my bank account. AVOID THIS COMPANY AT ALL COSTS. They are extremely misleading & in my case, actually lied and stole from me. If I believed everything they said, they would have gotten away with stealing $1500 from me. Terrible business, complete scam artists, making a buck off a very vulnerable and desperate population. Please do not ever trust these people! I am writing this review to hopefully help someone else not get involved with this deceitful company!Was this review helpful? YesRead More
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User Score017 people found this review helpful!I enrolled to National Debt Relief in order to consolidate and my credit debt. My first credit card was settled from an original balance of 10,449 to a settled amount of $8,766. While they offer to settle your debt for 50% they actually settled mine for 83%. The problem is that they charge a negotiation fee of 25% which in my case was $2,612…so in total i will be paying $11,378. That’s right, i will be paying more than I originally owed after paying my settlement + their fee. How is that supposed to save me any money? Naturally I called concerning this situation. I was told by a QA that they would escalate my concern and see if they could reduce the negotiation fee since I would be paying more than owed after it was all done. 2 months passed and I called back to see if there was an update but to my surprise, they weren’t even aware of any escalation or what was said in my last call. I was told the negotiation fees were fixed and there was nothing they could do. So from my personal experience, I was disappointed and let down from their original promise to save money settling my debts. I will be paying more then originally owed using National Debt Relief. I hope this review helps someone. God Bless.
PS. I should also mention that I have left my own personal reviews in as many sites as I can so that my experience with NDR reaches other people considering this option. I have found that 100% of the time NDR responds to a review, they write a generic response saying they will be “reaching out” to you. They have never reached out to me. Or better yet, they will ask you to call in to discuss this issue. When I called, they had no idea what I was talking about and transferred me several times just to simply reiterate that they can’t do anything about it. The same NDR agent responding to these reviews should do the research on the account in question and call us back with actual options, solutions or explanations. I’m already expecting a generic response from NDR which should prove what I’m saying here.
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User Score211 people found this review helpful!Constant calls from them 2 and 3 times a day then they ask for one thing after another such as can you add this extra amount this month to help pay faster when the contract had a set amount. Towards the end of getting everything settled they push you off on to a lending company with the excuse it will get everything paid faster and the settlements will go better instead of with a payment plan pay whole amount including their fee!!! Wonder if they have stock in the Lending company to make more money in interestWas this review helpful? YesRead More
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User Score011 people found this review helpful!If anything. They’re making it worse. Far worse. They don’t tell you about the negotiation fees in the “welcome call”. They buried that in the fine print. And when it comes to these fees the scripted fallback from their service reps is “they should have told you in the welcome call”.
And every settlement offer they make they limit it to 12 months. They were negotiating one of my cards and that card wound up taking me to court. With call logs indicating national debt relief weren’t doing their job and I wound up getting a much more flexible settlement offer by myself. And after I signed the agreement in court national debt relief calls me back a week later saying they settled the card and needed the required funds plus negotiation fees.
It’s a scam. They always ask for more funds too in between every question you have after the “welcome call”
The quality of service drops after that “welcome call” im livid with them. You truly are better to tell the judge and the attorneys who want your money that you got suckered by national debt relief and ask if you can find a resolution yourselves. Be honest and they may show some mercy.
Oh and I’ll be contacting the attorney general. Luckily in my state he currently has it out for debt relief companies.Was this review helpful? YesRead More -
User Score09 people found this review helpful!Instead of improving my credit, it became much worst and the additional worst thing it happened when I contacted my creditor (Direct TV) they’ve said that the check of National Debt Relief bounced due to insufficient funds issued by National Debt Relief to Direct TV and not only that, National Debt Relief has not been paying my debts to my creditor and they took money from my checking twice a month for over two years. They steal your money for something they can not deliver.Was this review helpful? YesRead More
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User Score112 people found this review helpful!They bait you by telling you it will take 2 years, no matter how much your in debt. Then it takes 4. They don’t tell you upfront (you have to comb through the fine print) that they charge a 25% “negotiation” fee (on the entire amount, not the negotiated amount). This usually amounts to thousands of dollars for calling your creditor and saying “we will pay you half”. The customer service reps lie. I had to talk to 6 different reps before someone would tell me about the negotiation fee. One flat out lied and told me I owed $950 when I really owed $2200. They are counting on you getting so far into the program by the time you realize how much the fees are, that you are reluctant to pull out before your done.Was this review helpful? YesRead More
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User Score221 people found this review helpful!I enrolled with National Debt Relief in July 2018 and now completely regret that decision!! They started taking money in Aug 2018 and now, 8 months later, I am being sued by 2 of my creditors. Until they filed a lawsuit against me, they had not been contacted by NDR at all. I have since verified that 2 other creditors have never been contacted by them as if this date either.
My accounts were all current when I enrolled. Now thanks to they way they conduct themselves, I have 2 pending lawsuits and will have to file bankruptcy to protect myself.
Whatever you do, DON’T HIRE THEM! They definitely are not working on my behalf and have brought NO DEBT RELIEF WHATSOEVER. I’m actually worse off now then before I hired them.
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User Score016 people found this review helpful!This company is the worst, i paid them almost 7,000 and their services just ripped me off.
Now, i am being sued by a creditor because they did not do their job as far as negotiating, communicating, and paying them.
Truly a waist of time and money!!!
Very disapointed to risk my effort and jeopardise my home and lufe with my kids.Was this review helpful? YesRead More -
User Score111 people found this review helpful!This services was the worst thing I every did in my life. It completed affected my credit and relationship with my creditors. I heard several times that Dave Ramsey said you don’t need this services . He is 100% correct. Most creditors will work with you with out a fee. The issue is that if you owe too much DO NOT USE ANY OF THESE COMPANIES. Call each creditors and handle it yourself. These companies charge for there services. Nothing is free in this world. That is why I say you are better off negotiating with your creditors.Was this review helpful? YesRead More
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User Score19 people found this review helpful!NDR Does not mention up front that they need funds to be able to settle with your creditors, so then you start getting summons to appear in court, HIGH FEES BEWARE, so if you don’t have the money in your account to settle, then Liberty Lending steps in and if you decide to go with them then you have a high interest rate. SO you are no better off in the end!. I would say file chapter 13 or 7 and pay the attorney fees. Big Mistake and lesson learned. Don’t do it!!Was this review helpful? YesRead More
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User Score011 people found this review helpful!What a waste of time and money!!!!! They didn’t save me any money… as a matter of fact they cost me more money than it would of if I would have just paid my dept because the money that they settled on I had to file the rest of on taxes so technically I wasn’t any better off and now I have to pay a three year loan plus interest on what they settled. and fill the rest on a 1099 tax formWas this review helpful? YesRead More
- Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
- Negotiates with your creditors on your behalf.
- Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
- Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
- Combines all your debts and creditors into one monthly payment.
- Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
- You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
- Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
- Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
- Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
- Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
- Borrowers can receive funds from their loan within only a few days.
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47 National Debt Relief Reviews