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National Debt Relief Review

National Debt Relief can help you pay off your debts for less than the amount you owe

By Holly Johnson

Updated January 13, 2023

Review by Margaret James

Facts checked by Katrina Munichiello

We only recommend the best products by conducting an independent review The advertisers don’t influence our choices. We may earn a commission if you visit companies we recommend. Read our advertiser disclosure for more info.

National Debt Relief logo

Rating for Investopedia: 4.6

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Our Take

National Debt Relief is a highly rated debt relief company which offers a no-cost consultation with debt counselors who can assist. The company was founded in 2009 and the firm helps consumers settle debt for less than they owe. In our independent comparison of debt relief businesses, National Debt Relief earned the highest rating as “best all-around.”

Pros & Cons

The most important takeaways

Company Overview


No upfront settlement costs

Free consultation can help you compare your options

Client portal lets you track your progress live


Fees can run up to 25% of the amount you settle credit

No mobile app available with the program.

National Debt Relief logo

Overall rating 4.6

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Table of Contents

Pros Explained

Pros and Cons Explained

Types of Debt Addressed

Client Onboarding

Customer Service

Company Reputation

Average Relief Amount

Average Time for Relief


The Concurrence

Final Verdict


National Debt Relief is a firm that provides relief via a process known as debt settlement. Its goal is to help consumers get free of their debt. Through debt settlement, you’ll set the amount in a savings account every month until you’re ready to “settle” to settle your financial obligations for less than what you owe.

The company will pay National Debt Relief a percentage of the debts that they settle and only after you’ve seen results. The company claims that regardless of accounting for their fees customers can save up to 30% and 50% of the original debt by the time the process is complete.

A no-cost consultation can help you decide if debt settlement is right for you.

Debt settlement could cause damage to your credit score because you’ll stop paying your debts as part of your plan. Be sure to understand the advantages and disadvantages of debt settlement before you start, and compare with various debt relief businesses before making a choice.

Pros Explained

There are no upfront fees for settlement There are no upfront fees for settlement. National Debt Relief, you only pay for results. Fees are charged in the form of proportional to the amount of debt settled and only once the negotiation is concluded.

A free consultation will help you compare the options available to you: You can phone National Debt Relief to speak with a debt counselor at no cost. This consultation gives you the chance to discuss your questions and find out whether debt settlement is the right choice for you.

Client portal lets you track your progress live Contrary to other debt relief firms, National Debt Relief has an online client portal that allows you to oversee your program and track the process of settling your debt regardless of day or night.

Pros and Cons explained

Fees can run up to 25% of your settled debt. A few of the debt relief companies we have independently researched offer fees at a less percent as National Debt Relief.

No mobile app available with the program: Although National Debt Relief does have an online client portal, this debt relief firm doesn’t have an app for mobile devices that allows you to track the progress of your debt settlement program while on the move.

Types of Debt Addressed

National Debt Relief aims to help consumers pay off unsecured debts, which include any type of debt that is not secure by collateral. Fortunately, this company offers a debt qualification page on their website where they outline which debts qualify and do not are eligible. The principal types of debt they address are highlighted below.

Credit card debt

If you’re in due on a standard credit card or a store credit card, National Debt Relief can assist you in settling for less than what you are owed. This is the case for major credit cards like American Express, Visa, or Discover as well as co-branded cards from stores like Kohl’s or Sears.

Personal loans as well as payday loans

You can also negotiate with and pay off any personal debts you may have, such as personal loans from an online or bank or payday loans. Installment loans can also qualify.

Business debts

Business debts can be settled through negotiation and settlement at a lower rate than what you owe now. National Debt Relief says these loans are not unsecured and prefer to help negotiate debts for businesses which are closed.

Medical bills that are not paid

National Debt Relief can also help you pay less than what you owe on your medical bills. Negotiations can be successfully completed by working with hospitals, doctor’s offices and other medical professionals.

Back rent

If you’re behind on paying your rental, you may be able to negotiate the amount that you owe in arrears. However, you are able to bargain this debt if are no longer living in the same area as.

Private student loans

It is also possible to settle debt linked to private student loans for less than the total amount. Note that federal student loans don’t qualify for debt settlement.

It is possible to bundle more than one type of debt in a settlement plan. If you are in the middle of credit card debt, medical bills, and business debts for instance, National Debt Relief can help you settle them all during your program.

Client Onboarding

The first step to begin using National Debt Relief requires you to make an appointment to get a no-cost consultation. In this meeting with a counselor for debt, you can talk over your financial situation and situation and then learn the time frame the process of settling your debts could be and how much you could save.

National Debt Relief states that you must owe at least $7,500 to qualify for their program. Also, you must not be “several months behind on your payments” since creditors won’t be enticed to negotiate if you’re up-to-date on your payments.

If you don’t have enough debt to be eligible for the debt settlement program You can consider other options , such as credit counseling or program for managing debt (DMPs) and the debt consolidation loans.

Customer Service

The benefit of working with a company that deals in debt relief is the fact that they are aware of debt collection rules and regulations inside and out. For example, National Debt Relief states their experts and debt counselors can help you navigate how to navigate the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act as you settle your debt.

The company provides customers with customer service via email and telephone. If you need a complimentary debt counseling, you can contact an adviser Monday through Friday from 8 a.m. to midnight EST, and on Saturday between 10 a.m. until 10 p.m. Customers who are already customers can call for phone assistance on Mondays and Fridays between 10 a.m. until 8 p.m.

National Debt Relief doesn’t offer an app for mobile devices or an online chat function, so there are fewer options to get assistance than some of the providers provide. However, their numerous positive reviews from customers boast of rapid response times and willingness to help.

Company Reputation

The debt relief industry has many scams and that’s why it’s important to research businesses before signing to their services. One way to conduct this research is to use the Consumer Financial Protection Bureau (CFPB) database, which lets you find complaints of users from the debt settlement firms.

This company has an average rating of 4.7 out of 5 stars in more than 35,000 reviews from users on Trustpilot.

Because of their excellent reviews and third-party rankings, National Debt Relief received one of the top scores for company reputation in our own study.

If you have a complaint about the services of the company that offers debt relief you may make a complaint to the FTC or call 877 FTC-HELP.

Average Relief Amount

National Debt Relief states that the amount of money you will save is dependent on a variety of elements. However, most people save 30% to 50% off of their original debt amounts and these savings are realized even after taking into consideration the fees you have to pay for the repayment program.

Average Time to Relief

Debt settlement by National Debt Relief should take between 24 and 48 months in total, which is average among other companies. The length of time required to finish your program could depend on the amount you owe, the amount you are able to save each month, as well as other factors such as the willingness of creditors to bargain.


National Debt Relief says their average client pays a cost of 15% to 25 percent of the debt that they have enrolled in their program. The fee is only charged after the results have been achieved and debt has been settled at a lower rate than the original amount.

In general, their fee ratio is at level with industry averages.

The Concurrence

Accredited National Debt Relief Debt Relief

Year Founded 20092011

Accreditation – Accredited by the American Fair Credit Council (AFCC)

– Accredited with the International Association of Professional Debt Arbitrators (IAPDA) — Accredited by the American Fair Credit Council (AFCC)

Non-accredited with IAPDA. International Association of Professional Debt Arbitrators (IAPDA)

Services AvailableDebt settlement Debt settlement

Touchpoints for Customer ServiceFree consultation; phone and email customer service; Online client portal Free consultation. Telephone and email customer service

Fees No upfront costs; Pay 15% to 25 percent of your debtThere are no upfront costs; pay 15% to 25 percent of your debt

Average Program Time24 to 48 monthsBetween 24 and 48 months

We decided to compare the highly-rated National Debt Relief to Accredited Debt Relief Accredited Debt Relief, a debt relief firm that received the second-highest rating in our independent study. Both firms received top ratings from Investopedia based on the quality of their service to customers, company reputation, their fees, and the services they offer. They also offer the same duration of the program from 24 to 48 months, and both offer a free consultation and fees that fall between 15% to 25% of the amount you have paid off in debts.

That being said, National Debt Relief stands apart because of the fact that it has IAPDA accreditation. National Debt Relief also offers an efficient online portal that lets customers oversee their program and track their progress at any point of the day or night.

Final Verdict

In the final analysis, there is no debt relief firm that we’d recommend higher than National Debt Relief due to its professionalism, efficiency of the company, costs and fees, as well as its excellent customer service. National Debt Relief scored an average from 4.63 out of 5 possible stars in our research analysis, while the typical company only scored 3.56.

If you have at least $7,500 of unpaid debt that you hope to settle, you should reach out to National Debt Relief for a no-cost consultation. There are no upfront fees to pay, and you’ll be able to discover whether debt settlement is the right choice without any commitment.

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How We Review Debt Relief Companies

Investopedia has conducted an independent study that evaluated over 15 different debt relief firms by their customer service, company reputation and rankings, the range of products they offer, their pricing and transparency. We sought out debt relief companies that have positive reviews and customer testimonials, customer service accessibility, and the crucial information regarding their plans clearly posted online, and firms with excellent rankings from third party sources.

In the end, National Debt Relief scored the highest rating of 4.63 out five stars in our ranking and earned them the top spot being “best overall.”

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