National Debt Relief Review - Company Logo

Minimum Qualifying Debt:





24 to 48 months

Customer Service:


Phone, email

Consultation Fees:


Free initial consultation

Editorial Rating

National Debt Relief Review

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Minimum Qualifying Debt:





24 to 48 months

Customer Service:


Phone, email

Consultation Fees:


Free initial consultation

Cancellation Fees:


No cancellation fees

Money-back Guarantee:



Free Tools:


Budget planner worksheets and free savings estimate

Service Fee:


15% to 25% of registered debt if they settle with your creditors

National Debt Relief Review - Company Logo

Editorial Rating

National Debt Relief offers over-indebted consumers a lifeline. While not cheap, this debt settlement agency typically reduces a client’s debt by around 30%-50% on average. Founded in 2009, it’s become known for its efficiency and ethical treatment of clients.

Having won several awards, this industry leader is now one of the top debt settlement firms in America.

Does that make it the right choice for you though? We’ve researched the company thoroughly and read thousands of National Debt Relief reviews. In this post, we’ll give you all the information you need to make an informed decision.

Is National Debt Relief a Good Idea?

This option is best for consumers with unsecured personal debt and business debt. It may be preferable to declaring bankruptcy.

The process impacts your credit history, so it’s not a step to take lightly. If you can catch up on your payments over a few months, this step isn’t for you.

It’s best for consumers who can afford to wait 24 to 48 months for resolution. If you want to buy a home or apply for more credit during this time, it’ll be challenging to do so.

The company assists with various types of debts such as:

  • Balance transfer credit card and standard credit card
  • Store cards
  • Unsecured personal loans
  • Installment loans
  • Medical bills
  • Gas cards
  • Overdrafts
  • Cellphone
  • Veterinary
  • Business
  • Rent arrears
  • Timeshare contracts
  • Judgments that are six months old or more

National Debt Relief cannot assist you with certain types of debts, such as:

  • Vehicle financing
  • Child support
  • Mortgages
  • Speeding tickets
  • Taxes
  • Court costs and fines
  • Car repair
  • Check-cashing loans
  • Rent-to-own agreements
  • Bail bonds
  • Insurance policies
  • Warranties

The odd National Debt Relief review notes that they also assist with qualifying student loans. The firm decides which student loan debt qualifies.

If you’re not sure about your debt, contact the firm directly.

Is National Debt Relief legit?

While some reviews claim that National Debt Relief is a scam, our research showed that in most instances, these were people who didn’t understand what they were signing up for. It’s meant as a matter of last resort, and so dealing with your creditors here won’t be pleasant.

Long story short, the company is legitimate.


  • It was founded in 2008
  • It’s BBB-accredited with an A+ rating
  • The debt arbitration team are all certified through the IAPDA – the International Association of Professional Debt Arbitrators
  • It’s a member in good standing of the American Fair Credit Council

National Debt Relief Qualification Requirements

To qualify, you must have unsecured debt of at least $7,500 and be behind on your payments.

You’ll have to prove financial hardship by providing proof of your income and expenses. When you apply, you must also give the company permission to perform a soft pull of your credit record.

Finally, this should be an ongoing crisis that’s not easily resolved. If you’re able to get a consolidation loan, for example, you probably won’t qualify.

Complete the form onsite, and their consultant will call you back. They’ll assess your application to see if you qualify.

How much can I save with National Debt Relief?

The average consumer saves around 30% after fees by using National Debt Relief. There are, however, no guarantees.

The company will only charge you a commission if they settle with your creditors.

National Debt Relief Services

The company provides three basic services to clients:

  • Consultations: These center on evaluating whether or not you qualify to join up. The consultants will discuss ways for you to improve your financial situation.
  • Budget Worksheets: Complete these worksheets to see precisely what you must pay monthly. The comprehensive lists of income and expenses steer you when it comes to spending and saving.
  • Debt Calculator: Understanding your level of debt might be frightening. Once you come to terms with the situation you’re in, however, it might also motivate you to spend less. The debt calculator helps you keep track of your debt and your progress in repaying it.

You can monitor the effectiveness of your national credit card debt relief plan.

How does National Debt Relief work?

Start by completing the form online. A counselor from the National Debt processing center will call you to discuss your situation. You may then explain your issue. The consultant will assess if the National Debt settlement team can assist you.

If they can, they’ll explain the process. It’s important to understand that this is not a debt restructuring tool. With debt settlement, the creditor typically discounts the debt in exchange for a lump-sum payment. The creditor often feels that it’s better to recover something than nothing.

They won’t make this decision in a hurry. Your creditors will want to be sure that there’s no alternative to them. If you go this route, you’ll open a separate savings account. Instead of paying your creditors, you’ll put the money into the savings account.

When it accumulates enough of a balance, National Debt negotiates a cash settlement arrangement with your creditors. As they’ve not received payments, they’re more likely to offer a reasonable settlement rate.

There are some things to be aware of, however.

Late Fees and Interest

The creditors are bound to add late fees and interest to the outstanding amount. If they’re desperate to settle, they’ll usually reverse these, but there are no guarantees.

Does National Debt Relief hurt your credit?

Your credit rating will drop. It’s not as long-term an effect as bankruptcy, however. You’ll still, however, need to take credit repair steps when the process is complete.

How much does National Debt Relief cost?

The company charges a debt settlement cost of between 15% and 25% of the debt they deal with on your behalf. The final rate depends on the state you live in, and what discount they secured for you. If they don’t obtain a settlement, you don’t pay.

National Debt Relief Customer Service

National Debt Relief reviews are quick to agree that it’s easy to get hold of the company. Complete the form online and a consultant calls you back fast. Alternatively, call the National Debt Relief phone number.

Once on-board, you interact through the online system. The National Debt Relief customer service team is excellent, and always on hand to assist.

National Debt Relief User Reviews

As with most companies, the reviews are mixed. National Debt Relief customer reviews are mostly positive, and the company fares better here than its competitors. The National Debt Relief reviews on the BBB and the National Debt Relief reviews on Reddit are primarily favorable.

The National Debt Relief reviews on Yelp meanwhile present an anomaly. The site scores the company at just 1.5 out of 5. That’s largely due to the low number of reports on Yelp. The average rating on Consumer Affairs, with thousands of reviews, is five out of five.

The Positives

National Debt Relief reviews describe the employees as kind and courteous. They praise how understanding the employees are. Clients also like being able to check their debt online instantly and the company’s efficiency.

The Negatives

National Debt Relief complaints are far less common and mostly pertain to the National Debt Relief fees and the duration of the process.

The company is quite transparent about the fees it charges and that the process is long-winded, so these complaints point to a lack of research.

Is National Debt Relief the Best for You?

With some of the scathing National Debt Relief reviews out there, you might still be hesitant to deal with the company. There’s nothing wrong with being cautious.

From a legitimacy point of view, your fears are ungrounded. National Debt Relief is an established and accredited firm. Investopedia named it the best overall debt relief company in 2020. The firm is effective at getting results for clients.

It’s not a cheap or easy solution, however. You’re not magically wiping away debt, so you’ll still have to deal with your creditors.

If, however, your debt keeps snowballing with no end in sight, this could be the right solution. You could save 30% or more and settle your debt in as little as two years.

Alternatives of National Debt Relief

How does National Debt Relief stack up against competitors?

National Debt Relief vs. Freedom Debt Relief

Freedom Debt Relief works along many of the same lines as the National Debt Relief company. According to the website, they save their clients up to 35%. Their charges are about the same.

Where the companies differ is in their BBB status. Freedom Debt Relief is not BBB-accredited and is rated at A-.

Read more about Freedom Debt Relief in our comprehensive review.

National Debt Relief vs. CuraDebt

You’ll battle to find any debt settlement company willing to take on the IRS. CuraDebt is one of the few that will assist clients with tax debt. CuraDebt also negotiates the repayment of several other types of debt.

If you owe state or federal taxes you can’t pay, read more about CuraDebt in our dedicated review.

Debt Relief vs. Debt Management Program

A debt management plan, unlike debt settlement or debt cancellation, helps you to repair your credit rate. You’ll have to pay off the full amount of your debt, but the counselor negotiates an affordable repayment plan. They’ll also try to negotiate a favorable interest rate so that you can pay off your debt faster.

Your rating takes a hit, to begin with, but improves if you meet your payment schedule. The upside to this plan is that your creditors still get what you owe them, so they’re more amenable to negotiation. If you don’t want to deal with debt collectors, this might be a better option.

Debt relief vs. Debt Consolidation Loan

With this option, you consolidate all your debt onto one large loan. The main benefit is that your repayments are more manageable and you don’t damage your credit.

The danger is that you’re repaying the debt over a more extended period. There’s also the risk of getting into worse trouble if you use the credit facilities that you paid off with the loan.

Debt Relief vs. Strategic Bankruptcy

The advantage of this option is that the court will order your creditors to accept a fraction of what you owe. Your slate is then clean, and creditors may no longer try to collect the debt.

The downside is that the process is complicated. You’ll need a bankruptcy attorney to determine if you qualify for Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Wrap Up

National Debt Relief reviews praise the company as a top choice in the sector and we agree. The consultants are knowledgeable and efficient. The company is transparent about its terms and delivers what it promises.

National Debt Relief has mastered the delicate art of debt settlement. They’ve become a trusted ally to thousands of consumers through efficient service and ethical business practices.


  • Easy to apply
  • Money-back guarantee
  • You could save as much as 30% after fees
  • One of the top firms of its type in the United States
  • Proven track record in providing a workable debt relief strategy
  • No upfront fees and no commission unless they negotiate a settlement


  • It won’t stop creditors calling you
  • You have to fall behind on payments on any debt you register with them
National Debt Relief Review - Company Logo

Editorial Rating


What is National Debt Relief?

National Debt Relief is a debt settlement company. The firm assists consumers who can no longer pay their debt. They negotiate with your creditors to reduce your overall level of indebtedness.

Is National Debt Relief safe?

Yes. National Debt Relief has an A+ Rating at the BBB and are accredited with the BBB, the IAPDA, and the AFCC. It has also been named the top debt relief company of 2020 by Investopedia. So, from a legal point of view, it is safe to use.

Should I use National Debt Relief?

If you need a service of this nature, our National Debt Relief review shows that this is one of your best options. Whether you need to use such a service in the first place is an entirely different matter altogether.

What happens if I cancel National Debt Relief?

Nothing. The company doesn’t charge cancellation fees. Be aware, however, that you’ll have to come up with a plan to deal with your creditors. If the company successfully negotiates a settlement on your behalf, you’re liable to pay the fee for that portion of the debt.

Who is the best debt relief company?

According to Investopedia, thousands of satisfied clients, and SpendMeNot, for that matter, National Debt Relief is one of the best, if not the best.

Is the National Debt Relief program legitimate?

If you scan National Debt Relief reviews from 2021, you will find one or two complaints about the program. It’s not going to work for everyone, and it’s not a perfect solution. But what’s perfect when your debt is out of control. There are no guarantees, but it’s a legitimate strategy to deal with debt.