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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
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

18-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

49

This Review is maintained by

Review Last Updated: September 18, 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.

  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

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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49 National Debt Relief Reviews

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  1. User Score
    0
    June 29th, 2017 Ridgewood, NJ
    33 people found this review helpful!
    Such a scam, they make you believe they’re helping you but in reality they are ripping you off. They are charging you for something you can do on your own. There is nothing special about this company, please don’t waste your time and money. Wish someone told me this before I signed up. I never write reviews but I feel so strongly about this that I had to try to stop someone else from making the same mistake and sign up with National Debt Relief.
    Read More
  2. User Score
    10
    October 18th, 2016 Mount Pleasant, MI
    12 people found this review helpful!
    Great company to work with. Very quickly addressing and resolving issues. Always communicate with you and are respectable.
    Read More
  3. User Score
    7
    March 14th, 2015 CA
    53 people found this review helpful!
    I’ve only been in the program a few weeks. I’m rather disappointed with their csr. At first they treat you like you’re golden and give the impression that they actually care. Once I signed up I tried reaching out to the lady who originally helped me,she completely ignored me and has not replied to any of my emails. It just feels awful being tossed to the side like garbage after initially being treat with attention and support.
    Read More
  4. User Score
    0
    March 6th, 2015 Chula Vista, CA
    31 people found this review helpful!
    Shady. I have to work with these ” yahoos” daily as I am a debt collector. They will not accept the guidelines set by the creditors to provide settlement options to their clients. They INSIST that I take very low and unreasonable offers to creditors and even if I manage to get them approved then say THEY have to get them approved before paying out. I feel if you are making an offer to settle, it is only fair that you can fund the settlement instead of jerking around. It’s a waste of everyone’s time and is unethical. You can’t make offers to creditors that you can’t fund!
    Read More
  5. User Score
    0
    March 6th, 2015 Canton, MI
    37 people found this review helpful!
    You always speak to someone different and they all tell you something different! In the beginning it was all good, then when my circumstances changed, I was told LIE after LIE! Especially when it came to getting my money back! I do not recommend!
    Read More
  6. User Score
    9
    January 21st, 2015 Staunton, IL
    13 people found this review helpful!
    Very helpful. Transparency was provided .
    Read More
  7. 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
  8. 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
  9. 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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Our Score
6.5
User Score
1.8
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

49
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

1,185