National Debt Relief review October 2018: Is it legit? |

National Debt Relief review

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Cut down your unsecured debt in 24–48 months.

After an accident, expensive divorce or unexpected job loss, dealing with any ensuing debt is like salt in the wound. When life takes a turn for the worse, you could be tempted to consider bankruptcy.

But before you take that drastic step, you may want to consider a debt settlement company. These companies can negotiate with your creditors to lower your debts for a much softer blow to your credit history.

We take a look at one legitimate company available to help you get out of debt without taking on a loan or filing for bankruptcy: the BBB-accredited National Debt Relief.


  • Product name: National Debt Relief
  • Service offered: Debt settlement with direct negotiations
  • Minimum debt considered: $7,500 of qualifying debt
  • Typical turnaround: 24–48 months
  • Consultation fees: None
  • Cancellation fees: None
  • Service fee: 18–25% of total enrolled debt
  • Types of debt accepted: Credit cards, personal loans, lines of credit, medical bills, collections and repossessions, business debts and some student loans; most secured debts don’t qualify
  • Accreditations: International Association of Professional Debt Arbitrators, American Fair Credit Council, Better Business Bureau
  • Ratings: A+ BBB rating, 9.4 Trustpilot rating
  • Service limitations: Not licensed in Connecticut, Georgia, Kansas, Maine, South Carolina, Oregon, Vermont, West Virginia or New Hampshire
  • Free resources or tools: Budget planner worksheet, debt relief calculator
  • Customer service: Phone, email, live chat

What exactly is National Debt Relief?

National Debt Relief is a debt settlement service — it negotiates with your creditors to reduce the amount of debt that you owe for a fee. National Debt Relief is among the most recognized debt settlement services in the country, with high rankings from the Better Business Bureau and Trustpilot reviewers. It’s also accredited with top industry associations.

Who’s eligible?

To qualify for National Debt Relief, you must have at least $7,500 in debt and a demonstrable financial hardship that you cannot recover from. Financial hardship includes a divorce, unemployment or loss of income, the death of a spouse and unpaid taxes. National Debt Relief uses proof of your financial hardship as leverage to negotiate with your creditors.

How much does it cost?

National Debt Relief typically charges between 18% and 25% percent of the total debt you enroll over two to four years. Your percentage depends on the amount you enroll and the state you live in.

What does this look like? To settle $10,000 of debt with an average interest rate of 15% over 36 months, you could end up with a total debt of $15,639.44 by the time you’re ready to negotiate. Your fee would likely fall between $2,815 and $3,910.

What are the benefits and drawbacks of National Debt Relief?


  • No fees until you reduce your debt. You won’t pay National Debt Relief until after it negotiates down your debt.
  • 100% money-back guarantee. If you aren’t happy with the way National Debt Relief reduces your debt, cancel without paying a penalty.
  • Works with some student loans. Most debt relief companies don’t touch student loans. But some private student debt qualifies with National Debt Relief.
  • Low minimum to enroll. You need only $7,500 in debt to enroll — not as much as you’ll find at other debt relief companies.
  • Highly rated support. National Debt Relief gets top ratings for customer service across the board, from users and professional reviewers alike.


  • No relief for secured loans. Got a mortgage, car loan or any other type of debt with collateral? National Debt Relief can provide suggestions, but it won’t take you on.
  • Low debt-reduction average. National Debt Relief might not save you as much money as its competition.
  • Not all debt qualifies. This goes for all debt settlement companies, but secured debt typically won’t qualify for debt settlement. Instead, your creditor takes your collateral.
  • Damages your credit score. Meant as a last resort, debt settlement is a serious step that can damage your credit. To preserve your score, look into debt consolidation instead.
  • Not available in all states. National Debt Relief is available in 41 states only.

Is National Debt Relief legit?

Yes. National Debt Relief has been accredited with the Better Business Bureau (BBB) since 2013, which means it meets specific transparency standards. It gets an A+ rating from the BBB as well, based on some 180 user reviews. More than 3,000 Trustpilot reviews average a 9.4 out of 10, with 80% of those reviewers rating it “Excellent.” (In comparison, 15% thought it was merely “Great”).

Customer reviewers are mainly impressed with National Debt Relief’s quality customer service, which most report is helpful and patient, considering the situation. At least one customer was even able to start repairing their credit score. Negative reviews tend to have less to do with the drawbacks of National Debt Relief than debt settlement itself.

Is it safe to use National Debt Relief?Norton and McAfee logos

Yes. National Debt Relief’s website uses both McAfee and Norton security systems to protect your information from malware attacks and phishing.
Your information is secured with industry-standard SSL encryption.

You’re also eligible for 90 days of identity theft coverage worth up to $100,000 after you enter your information on the site. Simply go to the site and click the McAfee icon on the bottom of the page to sign up.

Beyond this, it’s accredited with trade organizations like American Fair Credit Council and the International Association of Professional Debt Arbitrators that set the standards for the debt settlement industry.

How do I sign up?

With National Debt Relief you have the option to start the process over the phone by calling (855)-459-1560. You can also start online by completing the following steps:

  1. Click the Go to site button on this page to be directed to National Debt Relief’s website. Then select the amount of debt you would like to settle and click Continue.
  2. Enter your contact information and hit Click Here To See If You Qualify For Debt Relief.

I’ve signed up. What happens next?

  1. Set up a payment plan. National Debt Relief works with you to set up a plan of how much you’ll pay into an account, from which it then pays your creditors and deducts its own fees.
  2. Start paying into your settlement fund. National Debt Relief asks you to make monthly payments into an escrow account that it can eventually use to pay your debt settlement costs. This monthly payment is typically lower than monthly payments on your debt. While you can stop making payments on your debt if it’s unaffordable, you’ll end up paying more in the end.
  3. National Debt Relief negotiates with your creditors. Once you have enough funds in your escrow account, National Debt Relief negotiates with creditors to settle your debt for a one-time payment. And it’s totally normal if it doesn’t work the first time.
  4. Authorize payments from your settlement fund. While it’s not a guaranteed outcome, if your lender decides to settle, National Debt Relief pays off your debt using your funds. It also deducts its fee from your settlement fund.

Three tips to make using National Debt Relief a smart move

  • Don’t take on more debt. Qualifying for debt settlement is a clear indicator that you aren’t in a position to afford more debt.
  • Stick to a budget. Take advantage of National Debt Relief’s free budget planner, and create a spending strategy to keep from missing payments to your settlement account.
  • Keep in touch. Contact National Debt Relief’s customer service line whenever you have questions. If you have trouble staying on top of your monthly payments, let them know — it could help your case.

Compare more debt relief companies

Rates last updated October 21st, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Costs Requirements
Freedom Debt Relief is a debt settlement company that works to help people with unmanageable, unsecured debt get back on their feet.
Monthly payment based on enrolled debt, no upfront fees
Must have at least $15,000 in unsecured debt and live in a serviced state.
Get back on your feet with a top-rated debt relief company that works with multiple types of debt.
18–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
This debt settlement alternative can help you find a path to financial freedom.
Fees regulated by client's state of residence, can range from
$0 to $69 with an average monthly fee of $35. No upfront or contingency fees.
Debt must not be payday loans or secured loans.
This company claims to significantly reduce your consumer and tax debt.
Typically 20% of enrolled debt
Must have verifiable income and more than $10,000 in unsecured debt or tax debt — excluding payday loans.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.

Compare up to 4 providers

Other debt relief options to consider

Not sure debt settlement is right for you? You’ve might want to look into these other options:

  • Debt consolidation loans. Taking out a new loan to move all of your debt into one place can make payments more manageable and hopefully get you better rates and terms if your debt load is high, but manageable.
  • Credit counseling. When you’re struggling with debt, going to a government-approved credit counseling agency might be your first stop. For a fee, you can make an appointment to go over your personal finances and come up with a plan of action.
  • Debt management. Similar to debt settlement but less extreme, some credit counseling agencies will negotiate with your lenders to come up with a modified payment plan to get out of debt. Typically, a successful debt management plan comes with a lower interest rates or more affordable payments.

Read about your debt relief options

Bottom line

Debt settlement shouldn’t be taken lightly: It can affect your ability to get credit in the future and isn’t worth it unless you have plans to stay out of debt afterward.

But if bankruptcy sounds like your only other option, National Debt Relief is a legitimate way to get back on track without going that route.

You can find out more about how to deal with debt by checking out our guide to debt consolidation.

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2 Responses

  1. Default Gravatar
    LindaJuly 13, 2018

    I have no income what is the best way to get debt relief?

    • finder Customer Care
      JhezelynJuly 20, 2018Staff

      Hello Linda,

      Thank you for your comment.

      There are two principal debt-relief options: debt settlement and bankruptcy. Both of these methods of debt relief will affect your credit score. Getting a debt consolidation loan or using a credit counselling service, might be one of your options as well.

      I am sorry to hear about you having no income. You may refer to the steps below on how to deal with a debt without an income:
      – Create a Survival Budget
      – Prioritize Your Debts
      – Negotiate With Your Creditors
      – Explore Other Sources of Income or find a temporary work
      – Available public assistance programs may help
      – Debt Consolidation
      – Debt Settlement

      You may want to check our debt relief article here.


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