Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

National Debt Relief Review

Sunday, March 3rd

2024 Debt Relief 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 500,000 families and individuals to pay off over $1 billion in unsecured debts. Their debt relief formula works primarily by negotiating with creditors to settle accounts for less than you originally owed.

No-pressure, free consultation

Step one is to sign up for a free initial consultation. To do this, you simply complete an online form or call their dedicated help line at 1-888-919-1355. If you use the online form, you'll select how much debt you have from the drop-down box, 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, review your budget, and talk about all of your available options. If you qualify for their debt relief 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 debt relief program? Of course, your fees will vary and are only paid once your debt is settled - but they typically wind up being around 15-25% of the total debt you enrolled with. 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 NDR's debt relief program, you should have at least $7,500 in unsecured debt. Like most debt relief 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 Relief 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? Just look on the Proven Results page, where you can review a variety of customer's experiences and see just how much NDR was able to save them. Several client accounts with American Express were reduced by 25-66%, and with Discover, they were reduced 18-62%.

Satisfaction guaranteed

Impressively, National Debt Relief offers their service with a 100% satisfaction guarantee. If they're 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.

80,000 5-star reviews

The BBB has given National Debt Relief their highest possible rating as well as accreditation, and we found over 80,000 5-star reviews from very happy clients. Across the board, NDR's dedicated 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 living in, National Debt Relief is the first company to turn to. Their advisors have helped tens of thousands of people just like you to reduce their 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 relief.

Who Provides the Best Debt Relief?

If you're facing an ever-increasing pile of "past due" notices, threatening letters from the IRS, and credit card statements where you're barely paying the interest, you're not alone. With unemployment rates reaching record highs, more people are struggling to make ends meet. The average American carries over $90,000 in debt, from student loans to mortgages, and it's easy to get in over your head.

Debt relief is the solution you need. It may sound like a gimmick or a scam, but rest assured that there are many reputable services that can help you reduce the amount of money you owe and help you get back on track financially. These programs typically work by negotiating on your behalf with credit card companies and other debtors, through strategies like debt settlement and repayment plans. Some of the best debt relief services work closely with you to create a solid plan for moving forward too, helping you to make sound financial decisions and hopefully avoid needing such measures in the future!

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

Debt Relief Company FAQ

Debt relief is a process that helps people get out from under their ever-mounting financial obligations. This can be accomplished through Debt Negotiation, Debt Settlement, Debt Consolidation or Repayment Plans, among other strategies.
You'll need to have a certain amount of debt to be eligible for debt relief, which varies according to which relief service you choose. Some require a minimum unsecured debt of $7500, while others specify that you need to owe at least $10,000. Also, some debt relief providers aren't licensed in all 50 states - so you may be eligible for debt relief but the service you're considering isn't available in your state.
Believe it or not, many debt relief services are free! Most providers give you a no-cost consultation, analyzing your financial situation and making recommendations tailored to your needs. But, there are some fee-based services, especially if you want someone to negotiate with creditors on your behalf.
Many of the strategies used by debt relief providers can be done on your own, yes. But, in the amount of time it would take you to get up to speed and learn what those strategies are, you could be paying hundreds (or thousands!) of dollars in interest. It's almost always a smarter financial move to have the experts do the work for you.
The first step is usually the complimentary consultation, where a representative will go over your debt situation and find out your goals, needs and timeframe. From there, it will depend on which approach you decide to take - but, for the most part, the debt relief service will be in charge of contacting your creditors and working out the details for reducing what you owe.
No two consumers are alike - and debt relief strategies vary as well. Some services offer relief through a personal loan, allowing you to pay off high-interest debt with a lower-interest arrangement, so naturally your situation will change as soon as your loan is funded and used to reduce your monthly payments. On the other hand, if your service is negotiating with your creditors to reduce or eliminate what you owe, that can take several weeks to months.
Most of the time, there isn't. A few debt relief services offer a 100% customer satisfaction guarantee, allowing you to cancel your plan without fees or penalties. Read the fine print of any contract before you sign up, so you'll know exactly what's promised - and what isn't.
Debt relief may sound too good to be true, but it's a legal, well-known method for reducing the debt burden faced by many consumers. Although some fly-by-night services pop up from time to time, most companies offering debt relief have been in business for a decade or longer. You can always check for a company's listing with the Better Business Bureau for further confirmation that it's a trustworthy option for debt relief.
Compare the Best Reviews

Continued from above...

Are you eligible for debt relief? The criteria vary by provider, but you probably need to have at least $5,000 in total debt owed across all categories (taxes, credit cards, auto payments, and so on). Also, be aware that some "debt relief" is structured as a personal loan: you use the proceeds to pay off multiple accounts and consolidate what you owe into a single monthly payment. In that case, the ball is in your court and you won't necessarily get any financial coaching or have professionals working to renegotiate what you owe.

Which debt relief program is best for you? That depends on several factors, such as the type of debt you owe and how much, as well as your credit history and ability to qualify for a loan. Here are several features to keep in mind as you evaluate your options for debt relief:

  • Approach. How does the debt relief provider help reduce or eliminate your debt? Some companies actually reach out to your creditors to get them to agree to a smaller payback amount, while others give you a loan so that you can pay off your debts on your own. It's worth considering multiple strategies to find the one that will be in your best interest.
  • Fees. Will you pay anything for the debt relief plan being offered? If it's a personal loan used to clear debts, what will you pay in interest and origination fees?
  • Reputation. What do other clients say about their experience with the debt relief service? Is the company trustworthy? Look for strong positive reviews from people who have actually used the program, as well as a good rating from the Better Business Bureau.

TopConsumerReviews.com has evaluated and ranked the most popular debt relief programs available today. We hope this information helps you get out from under your mountain of debt and gain the peace of mind that comes from knowing you're on the right track financially.

Compare Debt Relief Companies

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

  • National Debt Relief
  • Credit.org
  • Upstart
  • Curadebt
  • Reach Financial
  • 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 Reach Financial 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 Reach Financial 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 Reach Financial 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 Reach Financial 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 Reach Financial vs LendingTree Reach Financial vs SoFi Reach Financial vs SuperMoney Reach Financial vs LendingClub Reach Financial vs Payoff Reach Financial vs American Debt Enders Reach Financial 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
Compare the Best Debt Relief Companies
- VS -
Review the Best Debt Relief Companies
See the Best Debt Relief Company
The Best Reviews of Debt Relief Companies