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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: August 27, 2020

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: No Upfront Fees

National Debt Relief is ranked #3 for a reason: it is one of the few companies to work with some types of unsecured debt, has no upfront fees, and great customer reviews.

Take a Look

National Debt Relief Cost

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.

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 Customer Reviews

National Debt Relief is rated 8.3/10 by consumers on our site; Freedom Debt Relief is rated 9/10. 

Positive National Debt Relief reviews include comments about the company’s quality of service and other positives:

  • Excellent customer service.
  • Quality debt negotiation results.
  • Lengthy process but worth the results.

Common complaints among National Debt Relief reviews include:

  • 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. 

Is National Debt Relief a Good Company?

Yes, National Debt Relief is one of the best debt settlement companies in the industry.

National Debt Relief Experience

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.

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.

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).

Expertise

National Debt Relief is the #3 debt settlement company out of 47 total companies. It has earned accreditations from all of the top accreditation organizations in the country. 

National Debt Relief Service Quality

Customer reviews refer to National Debt Relief’s service in a very positive light.

Like many debt settlement companies, NDR has a minimum debt requirement. 

National Debt Relief’s services 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.

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.

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.

National Debt Relief Debt Types

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 a second mortgage on a foreclosed home. They do not offer settlement services for average secured debt.

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.

National Debt Relief: No Upfront Fees

National Debt Relief is ranked #3 for a reason: it is one of the few companies to work with some types of unsecured debt, has no upfront fees, and great customer reviews.

Take a Look

Questions About National Debt Relief

Are There Any Upfront Fees?

No. National Debt Relief does not charge any upfront fees. All payments are required after the debt has been settled.

Can I Get A Consultation?

Yes, all consultations are free from National Debt Relief.

Does Debt Settlement Hurt My Credit Score?

Yes, debt settlement will hurt your credit score. Because debt settlement is the process of leveraging a debtor’s ability to pay with the willingness of debt collectors to allow for partial repayment, debtors are encouraged to withhold/miss payments to pool their money.

Missing payments leads to a lower credit score.

However, it also signifies to the debt collector that the debtor may not be able to pay the full amount.

Does National Debt Relief Offer A Money-Back Guarantee?

Yes. NDR offers customers a 100% money-back guarantee if they’re not happy with the debt management plan or service they received.

What Types of Debt Does National Debt Relief Work With?

National Debt Relief works with all unsecured debt types and is one of only a few debt settlement companies to accept some secured debt types.

What is the Minimum Debt They Accept?

$7,500

Is National Debt Relief Accredited?

Yes, National Debt Relief is accredited by all major debt accreditation organizations.

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
    December 12th, 2019 Aiea, HI
    0 people found this review helpful!
    Excellent, customer service is excellent, their trust is excellent, quality of service is excellent, quality of their product is excellent, the value for your money is very good.
    Read More
  2. User Score
    10
    December 12th, 2019 Brockton, MA
    0 people found this review helpful!
    Excellent. I have had many questions and call up and get the answers.
    Read More
  3. User Score
    8
    December 12th, 2019 Puyallup, WA
    4 people found this review helpful!
    Very good on all matters one thing I think they should do is tell clients that you are responsible for the amount of the balance that you didn’t have to pay to the IRS. Say you owe 5000 the creditor settles for 3000 the 2000 you didn’t pay is considered taxable income by the IRS and you’ll have to pay taxes on the income.
    Read More
  4. User Score
    10
    December 12th, 2019 East Longmeadow, MA
    0 people found this review helpful!
    So helpful and wonderful to work with. Always available to answer questions and I trust they are doing what is best for me.
    Read More
  5. User Score
    10
    December 12th, 2019 Alamo, TX
    1 people found this review helpful!
    Great…always answering any questions and concerns I have
    Read More
  6. User Score
    10
    December 12th, 2019 Franklin, NC
    0 people found this review helpful!
    Almost half of my debt has been resolved – HUGE load off my shoulders – creditors have stopped their constant calling.
    Read More
  7. User Score
    10
    December 12th, 2019 Oceanside, CA
    0 people found this review helpful!
    Original balance cut more than half and allowed me to save more
    Read More
  8. User Score
    8
    December 12th, 2019 Brooklyn, NY
    3 people found this review helpful!
    Overall it was a good experience. Only thing I can comment on is that the agents should let you know that when your accounts close that you’ll have to pay taxes on the original amount of your debt. That should be explained in the very beginning. I wasn’t told at all
    Read More
  9. User Score
    10
    December 11th, 2019 Florence, AZ
    0 people found this review helpful!
    The team members at NDR have been super helpful and have explained the process very well. I am only about half way through but so far so good.
    Read More
  10. User Score
    10
    December 11th, 2019 Sun City, AZ
    0 people found this review helpful!
    national debt relief was the best thing my wife and i ever did to help our debt situation. it was easy and fast and the people there were professional and experienced.
    Read More
  11. User Score
    10
    December 11th, 2019 Edgewood, WA
    0 people found this review helpful!
    they were SO helpful and SO informative. super easy to access and helped me dig out of a lot of debt!!!!
    Read More
  12. User Score
    6
    December 11th, 2019 Havre de Grace, MD
    0 people found this review helpful!
    My understanding was it would be paid off in 2 years and I’m still paying on it , think there’s still 2 bills that haven’t been paid off
    Read More
  13. User Score
    10
    December 11th, 2019 Mesquite, TX
    0 people found this review helpful!
    Excellent service, and dependability. This was a life saver.
    Read More
  14. User Score
    10
    December 11th, 2019 Baltimore, MD
    0 people found this review helpful!
    Less worry about collection calls has been my best part of this. I have had a long rough year but NDR gas made it easier for me
    Read More
  15. User Score
    10
    December 11th, 2019 Port Angeles, WA
    0 people found this review helpful!
    Great service and indeed helps you cut your debt in half
    Read More
  16. User Score
    10
    December 11th, 2019 Wailuku, HI
    0 people found this review helpful!
    Awesome! Easy with no hassle. Mind at rest, knowing the process and it works!
    Read More
  17. User Score
    10
    December 11th, 2019 Millville, PA
    0 people found this review helpful!
    Great, very pleased with my results and the service.
    Read More
  18. User Score
    10
    December 11th, 2019 Aloma, FL
    0 people found this review helpful!
    I started only two years ago and within that time I’ve paid off all debt and raised my credit score. I was reluctant at first because I didn’t Kiev’s it would get me out of the whole I was in but now I’m proof that you can get yourself out with the right help. NDR really came through!
    Read More
  19. User Score
    8
    December 11th, 2019 Victorville, CA
    1 people found this review helpful!
    Everything is ok.beeb with this company for one year now, things are a little slow going but at least it’s going.
    Read More
  20. User Score
    10
    December 11th, 2019 Gilbertsville, PA
    0 people found this review helpful!
    Overall is very good. They did extremely well with reducing my debit.
    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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Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.

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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

1,406