National Debt Relief Reviews 2023

According to the Federal Reserve, more than $14.6 trillion is in debt, and if you are one of them, do not worry.

In this article, we will do a National debt relief review, which was established in 2009, and ever since then, it has helped thousands of people get out of debt.

Because of its excellent debt settlement services, it is accredited as one of the best companies in the United States. So make sure to read this article till the end.


CompanyNational Debt Relief
Minimum Debt Settlement$7,500
Fees15% – 25% Of Enrolled Debt
SavingsUp to 30% including their fees.
Debt Relief Time24 to 48 months
WebsiteGet A Quotation

Key Takeaways

  • National Debt Relief can help you reduce your debt by up to 30%, including their fees.
  • The soft credit pull by NDR does not affect your credit score.
  • You can qualify for the NDR Program if you owe a debt between your debt is between $7,500 to $100,000
  • They have a rating of 4.7/5 stars on Trustpilot.
  • National Debt Relief has an A+ rating by Better Beaureau Business.

What Is National Debt Relief?

National Debt Relief Reviews

The National Debt Relief is a company that offers services to those under huge debts and helps them get out of it.

Unlike any other Debt Consolidation company, Nation Debt Relief has been known for its debt settlement since 2009.

In a Nutshell, their team review and analyzes your credit history, then enables you to get rid of your debt by working strategically with your creditors.

Once you clear your account, you can regain your financial independence. 

Debt settlement is not an ideal solution owing to the risks of scams. So only choose it when you have tried everything and want to avoid bankruptcy.

Read the Difference Between Debt Settlement And Debt Consolidation.

Is National Debt Relief Legit?

National debt relief is a legit site. They have a team of professionals certified by the International Association of Professional Debt Arbitrators.

Moreover, this organization is also a part of the American Fair Credit Council, which is bound to abide by the code of conduct. So do not worry, they are hundred percent legit.

Read: 10 Best Debt Relief Companies

Why Choose National Debt Relief? 

The debt arbitrators at the national debt relief organization help its clients ease their debt-free journey.

They negotiate with your creditors and convince them to get less payment instead of getting nothing, owing to your financial condition.

This can help you manage your debt and plan your savings for the future instead of paying interest on your debt for past purchases.

Apart from this, National Debt Relief has been given an A+ rating by Better Beaureau Business. Also, they have settled the debts of thousands of people since 2009.

In addition to this, It provides you with peace of mind while releasing debt. 

National Debt Relief: Top Features

National Debt Relief: Top Features
National Debt Relief: Top Features

Top features that make National Debt Relief stay ahead of its rivals include the following. 

Renowned Company 

National debt insurance, founded in 2009, operates in 42 different states and provides telephonic consultation services to its clients. 

Unsecured Debt 

This company helps its clients settle their unsecured debt, and they don’t negotiate for secured debts, including auto loans, mortgages, etc. 

No Upfront Fees

Many debt settlement companies charge upfront fees. However, you are relaxed with the National debt relief as you don’t need to pay any upfront fee.

Top Accreditation 

The International Association of Professional Debt Arbitrators and The American Fair Credit Council (AFCC) have accredited National Debt Relief. 

Free Consultation 

They offer a free consultation to check if you are a match for their debt relief program or not. 

Debt Relief 

The NDR company claims that it helps its clients to have a relief of almost 30%, including its charges of almost 15-20% of the enrolled debt. 

National Debt Relief Pros and Cons

Discussed below are some of the perks of selecting NDR for debt settlement. 

  • There is no lengthy paperwork or meetings for joining this program. You can even join it through a quick conversation over a phone call. 
  • Many debt settlement companies charge upfront fees. However, you are relaxed with the National debt relief as you don’t need to pay any upfront fee. Moreover, you can even get a free initial consultation for discussing your debt. 
  • Program representatives apply soft credit pull, which normally results in dropping your credit score. However, the soft credit pull by NDR does not result in this issue. 
  • Better Business Bureau accredits NDRP, and its clients have also been given A+ ratings. 

Everything, along with the pros, also have a few cons. Some of the cons of the National Debt Relief program include. 

  • There is no up-front fee in the beginning. However, it is also not entirely free. The fee depends on the amount of debt on the clients and the state they live in. 
  • Some states whose inhabitants do not qualify for this program include New Hampshire, West Virginia, Georgia, Maine, Connecticut, Kansas, South Carolina, Vermont, and Oregon. 
  • You can qualify for the NDR Program if your debt includes the following that too in case your debt is between $7,500 to $100,000
  1. Lines of credit
  2. Private student loan debt 
  3. Personal loans
  4. Medical bills 
  5. Business cards 
  6. Credit cards

However, there are some debts that this program does not include 

  1. Back taxes 
  2. Federal student loans 
  3. IRS debt 
  4. Utility bills 
  5. Debts from lawsuits.  

You may experience a short-term setback when managing your financing through NDR. 

Read Our Debt Relief Review Methodology

Types Of Debt Addressed

Types of Debt Addressed
Types of Debt Addressed

Debt settlement services by NDR do not settle all kinds of debts, but some debts that it manages include 

  • Bank loans 
  • Major credit card bills
  • Gas card bills
  • Veterinary bills 
  • Department store card bills. 
  • Bank overdrafts 
  • Installment loans
  • Back rent 
  • Unsecured personal loans
  • Abandoned timeshares
  • Business debts
  • Outstanding cell phone bills
  • Judgments that are six months or older

However, it does not provide settlement services for child support, gambling debts, mortgages, back taxes, rent-to-own bills, insurance policies, bail bonds, speeding tickets, check-cashing company loans, car loans, warranty contracts, or car repair bills, court fines, and insufficient funds fees. 

Read What is Credit Counselling?

How to Get Started?

To get started,

  • All you have to do for a free consultation is go to National Debt Relief & Select the amount of Debt Owed.
Step 1 - Select your estimated debt owed
  • Fill in the information asked.
Step 2 - Enter your information
  • You should get a callback shortly or call them directly from there.
  • Now describe your issue, the amount of debt you have, your current situation, and the outflow of finances, among many other things.
  • Once they have a good idea of your condition and expectations, they will give you a brief on how long the debt settlement process would last.
  • Get started upon reaching a common ground.

Read How Does Debt Relief Work?

How To Qualify?

If you have unsecured debt of at least $7,500 and up to $100,000 in the form of private student loans, medical bills, lines of credit, personal loans, credit cards, etc., you can qualify for National Debt Relief.

Note that National Debt does not settle debts from federal student loans, IRS debt, utility bills, and back taxes,

How Does National Debt Relief Work? 

After hiring the NDR service, you need to open a savings account in your name. Instead of paying your creditor monthly, you are required to deposit your pay there. The arbitrators at the national level determine your payment level.

When you don’t pay your creditors, your accounts will be delinquent. As a result, due to late fees and additional interest, the debt will hike up.

Now, the NDR experts will negotiate with your creditors on your behalf to make them agree to accept less than what you owe. 

Your creditors might agree to get less than you owe, than nothing at all.

Afterward, you can make payments to them from your savings account either in installments or lump sum amounts. 

NDR does not provide its services to New Hampshire, West Virginia, Georgia, Maine, Connecticut, Kansas, South Carolina, Vermont, and Oregon. 

Fees, Debt Relief Time & Saving

Fee: NDR charges you a fee only once your debt is settled. Once done, you will be required to pay 15% to 25% of the enrolled debt.

Debt Relief Time: NDR helps its clients settle their debt within 2 or 4 years

Saving: If you choose to enroll in NDR’s debt relief program, you will be able to save approximately 30%, including fees.

Disadvantages Of Debt Settlement

Debt settlement may give you financial relief, but it comes with a few disadvantages that you should consider:

  • Forgiven tax above $600 is considered taxable income, and thus you will have to pay tax on it.
  • Because you stop paying your outstanding debts, owing to debt settlement, your credit reports will display late payments directly, reducing your credit score1.
  • There is no surety that your creditors would be willing to work with the National debt settlement, so you might hear from them.

What Differentiates National Debt Relief From others?

Here are the reasons that differentiate National Debt Relief from others:

  • An accredited debt settlement company
  • Specializes in offering debt settlement services without any upfront fees.
  • Charge only 15% to 25% of the amount of debt that was enrolled in their records

Read: Our Detailed Debt Relief Review Methodology

Our Experience With National Debt Relief

If you are facing debt problems and are looking for someone to help you settle your debt, then I would recommend National Debt Relief for sure.

Their customer services are great, and you do afford to settle your debt through this company.

One of our choice sources claims that the debt settlement through this company was one smooth process.

National Debt Relief Comparison

CompanyNational Debt Relief Accredited Debt Relief
Minimum Debt Settlement Requirement$7,500$10,000
FeaturesThe renowned company, Unsecured debt, etc.No upfront fees, Free consultation, etc.
Fees15% to 25%  Of Enrolled Debt18% to 25%  Of Enrolled Debt
Relief Time24 to 48 months24-48 months
Savings30% including feesup to 50% excluding fees
BBB ratingA+A+
Trustpilot Rating4.74.8

Read Accredited Debt Relief Reviews

National Debt Relief Customer Service 

National debt service provides amazing customer service, obvious from its A+ rating at Better Business Bureau. 

Here’s how to contact NDR

NPC National Debt Relief Ratings

Customer Service4.7/5
Debt Settlement help4.5/5
Ease of use4.8/5

National Debt Relief Reviews

Customer Ratings
Customer Ratings of National Debt Relief

There are mostly positive National Debt Relief reviews on various online platforms.

It has an impressive average rating of 4.7 stars out of 35,197 reviews on TrustPilot.

You can visit their website and see the rating for yourself; you can also go through the reviews.

Final Verdict

National Debt Relief is our top pick for the best debt relief company. In this article, we saw that it offers outstanding services for a fee of 15% – 25% Of Enrolled Debt and can help you save up to 30%, including fees.

If you have a debt of $7,500 or more, you are eligible to take benefits from this company.

Frequently Asked Questions 

How Much Does National Debt Relief Charge Its Customers?

There is no up-front fee in the beginning. However, it is not entirely free.

After the debt settlement, the National debt relief collects the fee, which varies from 15% to 25% of the debt you owed.

The fee depends on the amount of debt on the clients and the state they live in. 

Does National Debt Relief Provide An Online Service?

You can enroll in this program through a phone call, and afterward, you can manage your account through an online portal. 

How Much Debt Relief Does It Provide?

The NDR company claims that it helps its clients to have a relief of almost 30% including fees.

What is the average time for relief?

The length of the debt settlement depends on your program, the amount you owe, and the willingness of creditors to work, among many other factors. On average, this time could range between 24-48 months.

Does National Debt Relief hold a good reputation?

Yes, Based on several National Debt Relief Reviews, It is one of the best debt relief companies, and it even has excellent ratings on various online platforms.

NPC Overall Rating


The National Planning Cycles is committed to producing high-quality content that follows industry standards. We do this by using primary sources, such as white papers and government data alongside original reporting from reputable publishers that were appropriate for the accuracy of information while still being unbiased. We have an editorial policy that includes verifiable facts with due credit given where applicable.


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