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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
    December 2nd, 2019 Oliver, WI
    0 people found this review helpful!
    I needed help with my debt so I could retire this companyhas been able to achieve this for me I am retired and in a couple of months done with credit card debt. I would recommendthis company for anyone who has a considerable amount of credit card debt the interest that you will save is astonishingly surprising
    Read More
  2. User Score
    8
    December 2nd, 2019 Artesia, NM
    1 people found this review helpful!
    Good. They have helped me pay off debt with a structured plan.
    Read More
  3. User Score
    10
    December 2nd, 2019 Laplace, LA
    1 people found this review helpful!
    When I went on maternity leave, and my income decreased, they showed so much compassion and understanding leading up to my work by lowering the monthly statements more than fifty percent.
    Read More
  4. User Score
    9
    December 2nd, 2019
    0 people found this review helpful!
    We are nearing the end of our debt negotiations and we feel as though NDR has worked toward this end with integrity and authority. We have had good response to any inquiries we have made and they have been very helpful by contacting us regularly with calls or email correspondence.
    Even the credit companies that are reluctant to deal with NDR have dealt with the attorneys and come to a reasonable settlement.
    All in all we give all we have dealt with at NDR an excellent review.
    Thanks for your hard work!
    Read More
  5. User Score
    9
    November 27th, 2019
    1 people found this review helpful!
    Excellent service, thank you very much.
    Read More
  6. User Score
    10
    November 26th, 2019 Lafayette, IN
    0 people found this review helpful!
    Very satisfactory. Very professional. Inspires trust.
    Read More
  7. User Score
    6
    November 26th, 2019 Oxford, MS
    0 people found this review helpful!
    It’s been good, but I thought this would be faster.
    Read More
  8. User Score
    2
    November 26th, 2019 Lytle, TX
    0 people found this review helpful!
    A terrible experience. They had me get a loan for 23% and got me in debt even more!
    Read More
  9. User Score
    8
    November 26th, 2019 Andalucia, Spain
    0 people found this review helpful!
    very good service customersupport excellant
    Read More
  10. User Score
    10
    November 26th, 2019 King George, VA
    0 people found this review helpful!
    I found this company to be very helpful.
    Read More
  11. User Score
    10
    November 26th, 2019 Spring Lake, NC
    0 people found this review helpful!
    It has been great they have sttled 5 of the 6 accounts so far.
    Read More
  12. User Score
    10
    November 26th, 2019 Palm Coast, FL
    0 people found this review helpful!
    Excellent.The people in custom services were friendly and would answer all my questions even when the questions seemed dumb.They keep me informed of any action they were taking in my behalf.
    Read More
  13. User Score
    10
    November 26th, 2019 The Bronx, NY
    0 people found this review helpful!
    Great so far. I highly recommend it for others Customer Service has been great too.
    Read More
  14. User Score
    10
    November 26th, 2019 Henning, TN
    0 people found this review helpful!
    Great experience. They do a good job and work hard for their clients
    Read More
  15. User Score
    10
    November 26th, 2019 Land O Lakes, FL
    1 people found this review helpful!
    I had a great experience with National Debt Relief, I am now free of my debt, The staff is the best
    Read More
  16. User Score
    8
    November 26th, 2019 New York, NY
    1 people found this review helpful!
    I find them to be reliable. They are taking care of my bills for me in a timely manner.
    Read More
  17. User Score
    10
    November 26th, 2019 Pittsburgh, PA
    1 people found this review helpful!
    NDR quoted me a 2 year period to pay off my debts, they completed it months ahead of time.
    Read More
  18. User Score
    6
    November 26th, 2019 Phoenix, AZ
    1 people found this review helpful!
    I am disappointed in that almost after a year, there are still accounts not settled.
    Read More
  19. User Score
    10
    November 26th, 2019 Las Vegas, NV
    0 people found this review helpful!
    Excellent.So far my debts are gradually decreasing.
    Read More
  20. User Score
    10
    November 26th, 2019 Placitas, NM
    0 people found this review helpful!
    Excellent. Very professional service and quite an improvement in our overall financial situation.
    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

1,357