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National Debt Relief Review

Thursday, May 19th

2022 Debt Consolidation Company Reviews

Top Consumer Reviews Best-In-Class Blue Ribbon Award National Debt Relief Review 5 Star Rating

National Debt Relief

5 Star Rating
  • Free initial consultation
  • Fees based on amount of debt saved
  • New Customers: 1-888-919-1355
  • Should owe at least $7,500 in unsecured debt
  • Average savings of 50%, or 30% after NDR fees
  • Plans typically range from 24-48 months
  • "A+" rated and accredited by the BBB
  • Over 10 years in business
  • 100% satisfaction guarantee
Top Consumer Reviews Best-In-Class Blue Ribbon Award

Since 2008, National Debt Relief has helped more than 100,000 families and individuals to pay off over $1 billion in unsecured debts. Their debt consolidation works primarily by negotiating with creditors to settle accounts for less than you originally owed.

No-pressure, free consultation

Your best bet is to sign up for a free initial consultation. To do this, you simply complete an online form or call their dedicated debt help line at 1-888-919-1355. With the online form, you'll use the dropdown box to select how much debt you have, then enter your name, address and phone number. You'll get a call back from one of National Debt Relief's certified debt counselors; they'll work with you to analyze your debt, go over your budget, and talk about all of your available options. If you qualify for a debt consolidation program, you'll find out how much you'd pay and can enroll right away or take some time to think about it. There's no pressure to sign up for a plan here.

Fees based on how much they save you

How much does it cost to use National Debt Relief for your consolidation or other programs? While your fees will vary and are only paid once your debt is settled, they typically wind up being around 15-25% of the total debt you've enrolled. Most of NDR's programs take between 24-48 months to complete, while they negotiate with creditors on your behalf. If you enroll, you'll pay a flat monthly fee (based on that 15-25% of your enrolled debt we mentioned) and those funds are held in reserve until each debt is settled. NDR's portion is then paid out from there.

Do you meet the criteria?

In order to qualify for debt consolidation and relief through NDR, you should have at least $7,500 in unsecured debt. Like most debt consolidation companies, some debts are not eligible for this kind of program. For example, if you're trying to get help with child support, back taxes, mortgages, auto loans, insurance policies, or bail bonds, you may find a better solution with a different type of loan.

Best Debt Consolidation Companies

See what others have saved

Want to see for yourself the kinds of debt reduction National Debt Relief has been able to get for its clients? Look on the Proven Results page, where you can take a look at various creditors and how much NDR was able to get as a debt settlement. For example, several client accounts with American Express were reduced by 25-66%, with Discover, they were reduced 18-62%, and so on.

Satisfaction guaranteed

This service comes with a 100% satisfaction guarantee. If National Debt Relief is unable to settle any of your accounts, or if you're unsatisfied with their service prior to having any of your debts settled, you can cancel anytime with no penalties or fees.

30,000 5-star reviews

National Debt Relief is a company you can trust for debt consolidation and other strategies for managing your finances. The BBB has given them the highest possible rating as well as accreditation, and we found almost 30,000 5-star reviews from very happy clients. Across the board, NDR representatives are described as helpful and friendly, and they make the entire process feel much less scary than clients had imagined.

Pay much less on what you owe

Why take out a loan to consolidate your debts if you can reduce or eliminate them completely? If you like the idea of paying less in the long run and getting out from under the mountain of debt you're in, National Debt Relief is the first company to turn to. Their advisors have helped tens of thousands of people just like you to get lower monthly payments and finally get out of debt. National Debt Relief (1-888-919-1355) earns our highest rating among all of the available options for debt consolidation.

Who is the Best Debt Consolidation Company?

Maybe you've gotten overwhelmed by credit card payments and overdue bills, and now you're wondering if there's any light at the end of the tunnel. Or, perhaps you're a financially-savvy consumer who wants to take advantage of lower interest rates, in order to pay off your mounting credit cards bills. Debt consolidation can be a smart strategy either way.

What, exactly, is debt consolidation? It's important to understand that companies offering it may mean different things. For some, debt consolidation is offered as a personal loan: you borrow funds that you use to pay off all of your outstanding debts. Your interest rate should be much lower than your credit cards, and now you've got a simplified, single payment to make each month. This can be a great way to boost your credit score by reducing the likelihood of making late payments (or none at all) and get on your feet again financially. On the other hand, you're in charge of using your loan money responsibly - and not to buy things you don't need!

The Best Debt Consolidation Companies Compare Debt Consolidation Companies Compare Debt Consolidation Company Reviews What are the best Debt Consolidation Companies Best Debt Consolidation Company Reviews

Debt Consolidation Company FAQ

Debt consolidation is a strategy used to help consumers get control over high-interest debt and simplify their monthly payments. Instead of having multiple credit card bills and other accounts to pay, often with extremely high interest rates, debt consolidation reduces those individual debts into a single payment each month.
You may need to have a certain amount of unsecured debt to be accepted into a debt consolidation program (for example, $7,500 or more). If you're struggling to keep up with the minimum payments on your credit cards and loans, you could be a great candidate for debt consolidation.
That depends on the service, but yes: most debt consolidation programs give you a loan to pay off all of your outstanding debts. These loans usually have much lower interest rates and can help you get on top of your financial situation again.
Sure! You could try getting a traditional loan from your bank or credit union, borrow money from friends or family to pay off debts, or work on your side hustle to make extra cash to pay down what you owe. But, chances are good that you've tried that already and still find yourself struggling financially. Debt consolidation could help you handle it once and for all.
It should. One of the biggest black marks on your credit score is having late or missed payments, and consolidating all of your debt into one monthly payment makes it more likely you'll pay on time.
That varies. Some providers don't charge anything for their services, offering counseling and other tools to teach you how to manage your money and pay down your debts. Or, if you're taking out a loan to pay off higher-interest accounts, your fees will include your interest and any other charges associated with your application. Be sure to get your plan in writing before you make a commitment, so that you'll know what to expect.
Most of the time, no. If you take out a debt consolidation loan, it's on you to understand all of the terms and conditions before you sign off. However, there are a few fee-based services that do offer a 100% satisfaction guarantee that allows you to cancel without penalty.
Absolutely. Thousands of people use debt consolidation programs every year to tackle their toughest credit problems. It's a good idea to check out the reputation of any program you're considering: find out what other clients say about their experiences, see if the BBB has rated the company, and determine for yourself if their debt consolidation services are worth your time and (possibly) money.
Compare the Best Reviews

Continued from above...

Other providers of debt consolidation take a more hands-on approach, giving you credit counseling and even going to bat for you with your creditors. The services they provide may include negotiating a lower debt amount or getting your debt forgiven altogether! You might pay a monthly fee for this kind of debt consolidation, or it might be a flat fee based on how much money they saved you overall.

Either route you choose, there are a lot of options out there. How can you decide which one is right for you? Keep these points in mind as you weigh out the possibilities:

  • Approach. Is the debt consolidation accomplished by a personal loan that you have to pass along to your creditors, or is it a more involved strategy? Which one is more likely to leave you better off financially?
  • Education. What does the company offer to teach you how to make good financial decisions? Does the service make sure you understand what you're getting into with their approach?
  • Eligibility Requirements. Do you qualify for debt consolidation? Some programs require you to have $5,000 or more in unsecured debts. For consolidation via personal loans, you'll pay more in interest if you don't have a decent credit history already, or you may not be approved for a loan.
  • Fees. How much will you pay for your debt consolidation? If it's a loan, what's the interest rate and are there any origination fees? If it's a debt settlement strategy, what will your fees be and when will you have to pay them?
  • Reputation. What do clients say about the debt consolidation company? Did they get help that was appropriate for their situation from knowledgeable, friendly representatives? Has the Better Business Bureau rated the service? Do people report a significant improvement in their finances after (or preferably while) using the debt consolidation program?

TopConsumerReviews.com has evaluated and ranked the best debt consolidation options available today. We're confident that this information will help you choose a strategy to pay down your debts and get your finances in order!

Compare Debt Consolidation Companies

Select any 2 Debt Consolidation Companies to compare them head to head

best-debt-consolidation-companies
  • National Debt Relief
  • Credit.org
  • Upstart
  • Curadebt
  • Liberty Lending
  • LendingTree
  • SoFi
  • SuperMoney
  • LendingClub
  • Payoff
  • American Debt Enders
  • Debt Consolidation Care
National Debt Relief vs Credit.org National Debt Relief vs Upstart National Debt Relief vs Curadebt National Debt Relief vs Liberty Lending National Debt Relief vs LendingTree National Debt Relief vs SoFi National Debt Relief vs SuperMoney National Debt Relief vs LendingClub National Debt Relief vs Payoff National Debt Relief vs American Debt Enders National Debt Relief vs Debt Consolidation Care Credit.org vs Upstart Credit.org vs Curadebt Credit.org vs Liberty Lending Credit.org vs LendingTree Credit.org vs SoFi Credit.org vs SuperMoney Credit.org vs LendingClub Credit.org vs Payoff Credit.org vs American Debt Enders Credit.org vs Debt Consolidation Care Upstart vs Curadebt Upstart vs Liberty Lending Upstart vs LendingTree Upstart vs SoFi Upstart vs SuperMoney Upstart vs LendingClub Upstart vs Payoff Upstart vs American Debt Enders Upstart vs Debt Consolidation Care Curadebt vs Liberty Lending Curadebt vs LendingTree Curadebt vs SoFi Curadebt vs SuperMoney Curadebt vs LendingClub Curadebt vs Payoff Curadebt vs American Debt Enders Curadebt vs Debt Consolidation Care Liberty Lending vs LendingTree Liberty Lending vs SoFi Liberty Lending vs SuperMoney Liberty Lending vs LendingClub Liberty Lending vs Payoff Liberty Lending vs American Debt Enders Liberty Lending vs Debt Consolidation Care LendingTree vs SoFi LendingTree vs SuperMoney LendingTree vs LendingClub LendingTree vs Payoff LendingTree vs American Debt Enders LendingTree vs Debt Consolidation Care SoFi vs SuperMoney SoFi vs LendingClub SoFi vs Payoff SoFi vs American Debt Enders SoFi vs Debt Consolidation Care SuperMoney vs LendingClub SuperMoney vs Payoff SuperMoney vs American Debt Enders SuperMoney vs Debt Consolidation Care LendingClub vs Payoff LendingClub vs American Debt Enders LendingClub vs Debt Consolidation Care Payoff vs American Debt Enders Payoff vs Debt Consolidation Care American Debt Enders vs Debt Consolidation Care
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