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#8
National_Debt_Relief

National Debt Relief

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

Our Score
6.5
User Score
1.8

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

Our Score
6.5
User Score
1.8
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

44

This Review is maintained by

Review Last Updated: July 9, 2019

What is NDR? 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.
Who is this program for? People with over $7,500 in unsecured debts (credit card, medical bills, personal loans, etc). Debt settlement is for those behind on their payments or struggling to pay the minimum monthly payment.
How long will it take? NDR’s program takes 24-48 months on average for people to become debt free.
How must will it cost? First, NDR has no up-front fees. Overall, the program charges 18-25% of the debt you enroll (typical of a debt relief program).
How much will I save? Including fees, NDR customers pay back an average of 30% less than what they owe.
Is this legitimate? Yes – NDR is an accredited company, and one of the top debt settlement companies in the U.S.

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 around 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.

Cons

Potentially Higher Costs

Working with National Debt Relief you could pay anywhere between 15-25% 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.

Negative Reviews

Common complaints amoung Natoinal Debt Relief reviews include unprofessional behavior, being passed off between employees, and being treated great during enrollment 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.

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.


Additional Services

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.

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 trainings 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

44 National Debt Relief Reviews

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  1. User Score
    9
    January 21st, 2015 Staunton, IL
    13 people found this review helpful!
    Very helpful. Transparency was provided .
    Read More
  2. User Score
    1
    January 5th, 2015 Boulder, CO
    30 people found this review helpful!
    Guy who signed me up was professional BUT dealing with the company afterwards was a complete run-around. Transferred 5 times and not given an honest answer. Had to call back and confirm my exit from the program. Then asked personal questions in a resell attempt. Mailing address given to submit cancellation request to is NOT a valid mailing address. Percentage higher than advertised – 23%. Customer service transfers you immediately somewhere else – couldn’t even finish my sentence. Very shady.
    Read More
  3. User Score
    0
    November 29th, 2014 Los Angeles, CA
    30 people found this review helpful!
    So I called National debt relief some man by the name of eric was you can say helping me out . Once I was into the phone letting him know my problems he cut me off and told me he knows no one or and him himself couldn’t help me at all . I didn’t even get the chance to even let him know everything that was going on . That was such a waste of time and I’m here so anyone else shouldn’t waste their valuable time on people that don’t care for their customers ! Happy holidays and suggest to keep away from National debt relief especially eric could have gave his last name , but clicked on me before I could have even got it.
    Read More
  4. User Score
    7
    June 20th, 2014 Columbia, MD
    30 people found this review helpful!
    National Debt Relief recently refunded part of the money that was saved in my account before I terminated my agreement with the company. I found this action on their part to be quite surprising and very much appreciated. This leads me to believe that they do have the best interest of their customers at heart. I have chosen to work with another company in becoming debt free and am very thankful for the services provided to me from National Debt Relief.
    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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Real Reviews (yes they’re real)

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Step 1: Introduction

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Our Score
6.5
User Score
1.8
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

44
Our Score
9.1
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

1,174