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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
8.3

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

Our Score
8.8
User Score
8.3
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

645

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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Call our recommended rep over at National Debt Relief below.

1-(866) 870-1188

645 National Debt Relief Reviews

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  1. User Score
    10
    October 25th, 2019 Auburn, WA
    0 people found this review helpful!
    They’ve done a great job lowering my debt and have always been very nice when I call.
    Read More
  2. User Score
    8
    October 25th, 2019 Niagara Falls, NY
    0 people found this review helpful!
    Pretty good I suppose…….. ..if I have to type more I won’t bother to submit it.
    Read More
  3. User Score
    10
    October 25th, 2019 Chino, CA
    0 people found this review helpful!
    Very easy to work with and helpful! They’ve made this process easy for me and are always there for additional support
    Read More
  4. User Score
    10
    October 25th, 2019 Merritt Island, FL
    1 people found this review helpful!
    excellent job very satisfied with national debt relief
    Read More
  5. User Score
    10
    October 25th, 2019 New Orleans, LA
    0 people found this review helpful!
    A very pleasant one.Anyone I have ever talked to has always been very empathetic & supportive of my situation.They will work with you continually to ensure that you are paying off your debts without neglecting your necessities, if such a need arises.I am extremely pleased with my choice to use NDR for my debt relief representative.
    Read More
  6. User Score
    10
    October 25th, 2019 North Miami, FL
    0 people found this review helpful!
    Excellent customer service, very helpful staff.
    Read More
  7. User Score
    8
    October 25th, 2019 Edgewood, NM
    0 people found this review helpful!
    So far, so good. Two creditors settled within a few short months!
    Read More
  8. User Score
    8
    October 22nd, 2019 Farmington, MO
    0 people found this review helpful!
    It has been great! Their helping getting out of debt has lifted a weight from our shoulders. We have a new start.
    Read More
  9. User Score
    10
    October 22nd, 2019 Glendale, CA
    0 people found this review helpful!
    Excellent!The greatest debt relief company in business––bar none!!!!
    Read More
  10. User Score
    10
    October 22nd, 2019 Anchorage, Alaska
    0 people found this review helpful!
    Amazing! Great customer service! Last call I was having a personally awful day and the lady I spoke with was super kind!
    Read More
  11. User Score
    10
    October 22nd, 2019 Maricopa, AZ
    0 people found this review helpful!
    I had an outstanding experience. Solved my debt with no problems.
    Read More
  12. User Score
    1
    October 22nd, 2019 Henrico, VA
    0 people found this review helpful!
    They get paid at 22% which crazy be for bill’s are payed and they don’t tell you that
    Read More
  13. User Score
    10
    October 22nd, 2019 Walnut Creek, CA
    0 people found this review helpful!
    It’s been a huge help ADHDs big relief. The staff had also been super helpful and supportive
    Read More
  14. User Score
    10
    October 22nd, 2019 North Castle, NY
    0 people found this review helpful!
    It has been a ver positive and stress free relationship.I’m grateful for all the help.I felt overwhelmed.
    Read More
  15. User Score
    10
    October 22nd, 2019 Syracuse, NY
    0 people found this review helpful!
    Great help! If you get into real financial trouble, national debt relief seems to be a great option. You will still need to work with them as they work with your creditors, but it helps to prevent bankruptcy.
    Read More
  16. User Score
    10
    October 22nd, 2019 Bostwick, FL
    0 people found this review helpful!
    They have been very helpful and have kept me informed of every action and every agreements. I’d say it’s been very positive
    Read More
  17. User Score
    10
    October 22nd, 2019 Oak Harbor, WA
    0 people found this review helpful!
    Slow In getting agreements but getting job dome.
    Read More
  18. User Score
    10
    October 21st, 2019
    0 people found this review helpful!
    Since my enrollment with NDR, I’ve had a pleasant experience. They alleviated my fear of going into collections and explained their process in full. Every rep I’ve talked to was courteous and very professional and never sounded annoyed when having to explain stuff on my account.
    I would definitely recommend NDR to anyone looking for debt consolidation because they’ve taken care of me so far and my credit score has been slowly getting better!
    Read More
  19. User Score
    8
    October 14th, 2019 Tacoma, WA
    0 people found this review helpful!
    Wonderful people very helpful, don’t lose phone number for them
    Read More
  20. User Score
    10
    October 14th, 2019 Washington, DC
    0 people found this review helpful!
    With my experience I’m glad that they help my financial problem is to pay off my debts.
    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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Our Score
8.8
User Score
8.3
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

645
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

1,342