Is National Debt Relief legit? February 2019 review |

National Debt Relief review

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Cut down your unsecured debt in two to four years.

If you’re drowning in debt and thinking of filing for bankruptcy, you may want to check out National Debt Relief first. This debt settlement company negotiates with your creditors in an attempt to lower your debts. Results aren’t guaranteed, however, and you might end up adding more debt to the pile.

National Debt Relief details

  • 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.

How much does it cost?

National Debt Relief typically charges between 18% to 25% of the total debt you enroll over two to four years. However, your exact 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 three years, 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.

How much could I save with National Debt Relief?

It depends on how much debt you have and how successful National Debt Relief is in negotiating with your creditors. However, there are quite a few examples of how much past customers have saved in reviews on the Better Business Bureau (BBB) website. One customer claimed enrolling in the program helped them cut down their payments by almost 70%, while another said they were able to shave two years and $3,000 off their debt repayments.

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, you can 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 for reduction with National Debt Relief.
  • Low minimum to enroll. You only need $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. Unfortunately, this is the same for all debt settlement companies.
  • Low debt-reduction average. National Debt Relief might not save you as much money as its competition.
  • 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 only available in 41 states.

    What is National Debt Relief?

    National Debt Relief is a debt settlement service. For a fee, it will negotiate with your creditors to reduce the amount of debt you owe. It’s among the most recognized debt settlement services in the country, with high rankings from the BBB and Trustpilot reviewers. It’s also accredited with top industry associations, including the American Fair Credit Council (AFCC).

    Who is eligible for debt relief?

    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, loss of income, the death of a spouse and unpaid taxes. National Debt Relief uses this proof of your financial hardship as leverage to negotiate with your creditors.

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    Rates last updated February 19th, 2019
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    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.
    20% of enrolled debt or less, no upfront fees.
    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.

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    Is National Debt Relief legit?

    Yes, National Debt Relief is a legit company. It’s been accredited with the BBB since 2013 and has an A+ rating based on factors like transparency and time in business. While it has over 80 complaints filed against it with the BBB as of December 2018, it earns an average 4 out of 5 stars based on 340 mostly positive customer reviews. Meanwhile, more than 11,000 customers have reviewed it on Trustpilot, earning it an average 9.5 out of 10.

    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.

    If you’re looking to visit a National Debt Relief counselor in person, you might want to check out your local branch’s reviews on Yelp to see what customers have to say about their experience.

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

    Its website uses both McAfee and Norton security systems to protect your information from malware attacks and phishing. And your personal details are 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 can start the process over the phone by calling 855-459-1560, by visiting a local branch or online. Follow these steps to begin online:

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

    A National Debt Relief representative will be in touch to discuss your situation and see if they can help.

    I’ve signed up. What happens next?

    Once you’ve enrolled in National Debt Relief’s debt settlement program, you can expect to go through the following steps:

    • 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.
    • 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.
    • 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.
    • 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.

    3 tips to make using National Debt Relief a smart move

    Follow these pointers to make the most of National Debt Relief’s debt settlement program:

    1. 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.
    2. 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.
    3. 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.

    Other debt relief options to consider

    Not sure debt settlement is right for you? You 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.
    • 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 rate or more affordable payments.

    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.

    Find out more about how to deal with debt by reading our guide to debt consolidation. Or compare other debt relief companies to see how National Debt Relief stacks up to the competition.

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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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