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Reviews for National Debt Relief | 2019 Debt Relief Reviews

National Debt Relief

National Debt Relief is a debt settlement program for those with over $7,500 of unsecured debt.

Our Score
8.8
User Score
8.4

Call For Free Consultation:   1-(866) 870-1188

Our Score
8.8
User Score
8.4
Rank this Company

Ratings Breakdown

Price - % of Debt

18-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

618

This Review is maintained by

Review Last Updated: November 8, 2019

National Debt Relief is a debt settlement company. They work with your creditors on your behalf to stop interest from accumulating and settle your debts at a fraction of what you owe on your accounts.

Is National Debt Relief legitimate? Yes – NDR is an accredited company, and one of the top debt settlement companies in the U.S. In this review, you can read real customer reviews below, compare National Debt Relief to Freedom Debt Relief, and read the pros and cons of NDR.

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.

It’s important to know that any debt settlement program, not just NDR, will have an immediate negative impact on your credit score. Your credit score takes a hit because you must become delinquent on your accounts.

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. While your credit score will take a hit when you start the settlement process, your other options (bankruptcy and making minimum payments forever) will also negatively impact your credit score.

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.


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:

  1. Call National Debt Relief for a free consultation to see if debt settlement is right for your particular financial situation
  2. If you sign up with NDR, will ask you to stop making your monthly payments (if you haven’t already)
  3. 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.
  4. 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).
  5. 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.
  6. 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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1-(866) 870-1188

618 National Debt Relief Reviews

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  1. User Score
    8
    November 6th, 2019 Saxman, AK
    0 people found this review helpful!
    I am very grateful for National Debt Relief! I have been impressed with the process and the professionalism of the employees. The only thing that I wish was that you could choose to not include certain debt into the settlement process. Although, I do understand the reason that it is all or nothing.
    Read More
  2. User Score
    10
    November 5th, 2019 Littleton, CO
    0 people found this review helpful!
    Helped me with about 25k in debts.Super friendly people with a good cause and a fair service.Can’t thank them enough.
    Read More
  3. User Score
    10
    November 5th, 2019 New Castle, DE
    0 people found this review helpful!
    Have been a pleasure to work with. Customer service was very helpful while setting everything up.
    Read More
  4. User Score
    10
    November 5th, 2019 Hector, AR
    0 people found this review helpful!
    Has been very helpful. Really helped settle debts when we were having a really rough couple of years.
    Read More
  5. User Score
    10
    November 5th, 2019 St Clair Shores, MI
    0 people found this review helpful!
    great. Very trustworthy. very informative and communicative. Easy to understand their website. Easy to speak to customer service.
    Read More
  6. User Score
    8
    November 5th, 2019 West Memphis, AR
    0 people found this review helpful!
    Great. They already paid one creditor for me. The settledamounts is great.
    Read More
  7. User Score
    10
    November 5th, 2019 Upper Chichester, PA
    0 people found this review helpful!
    Great,Out standing,Couldn’t be better.A great help.Kept their word on everything that they said they would do.
    Read More
  8. User Score
    10
    November 5th, 2019 Oxnard, CA
    0 people found this review helpful!
    Great trustworthy and really professional with their work of made me feel comfortable in solving my debt.
    Read More
  9. User Score
    10
    November 5th, 2019 Las Vegas, NV
    0 people found this review helpful!
    Great they have helped me save so much money. They are teaching me how to manage my money better.
    Read More
  10. User Score
    10
    November 5th, 2019 Latrobe, PA
    0 people found this review helpful!
    Great team. Keeps you updated. Gets the calls to stop quickly.
    Read More
  11. User Score
    8
    November 5th, 2019 Honolulu, HI
    0 people found this review helpful!
    Great reaching out on settlement finds, quick transactions of my money to my acct
    Read More
  12. User Score
    10
    November 4th, 2019 Clinton Township, MI
    0 people found this review helpful!
    Great and they kept me informed of any changes and any additional details that may have been left out
    Read More
  13. User Score
    6
    November 4th, 2019 Gilroy, CA
    0 people found this review helpful!
    Good it is hard to make the payments but is good sometimes they call me to see if I can deposit extra but I can barely do the monthly payments
    Read More
  14. User Score
    10
    November 4th, 2019 Whiting, IN
    0 people found this review helpful!
    Excellent! They’ve already settled 2 of my accounts!
    Read More
  15. User Score
    10
    November 4th, 2019 Metairie, LA
    0 people found this review helpful!
    Excellent service, timely responses, always willing to help and assist with any and all needs.
    Read More
  16. User Score
    8
    November 4th, 2019 Rensselaer, NY
    0 people found this review helpful!
    Excellent service, they returned to me quickly with any concerns or issues.Allowed me to add one more creditor and taking care of a summons I received
    Read More
  17. User Score
    10
    November 4th, 2019 Phoenix, AZ
    0 people found this review helpful!
    Excellent in all areas. No issues always helpful and friendly
    Read More
  18. User Score
    10
    November 4th, 2019 Helendale, CA
    0 people found this review helpful!
    Excellent customer service. Patient representatives
    Read More
  19. User Score
    10
    November 4th, 2019 Berkeley, CA
    0 people found this review helpful!
    Excellent customer service, thorough about explaining the process, always easy to reach.
    Read More
  20. User Score
    10
    November 4th, 2019 Bakersfield, CA
    0 people found this review helpful!
    Excellent customer service and follow through.Always go above and beyond my needs.
    Read 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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Step 1: Introduction

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Our Score
8.8
User Score
8.4
Rank this Company

Ratings Breakdown

Price - % of Debt

18-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

618
Our Score
9.0
User Score
9.1
Rank this Company

Ratings Breakdown

Price - % of Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

1,280