National Debt Relief Review

In a Nutshell

One of the largest and most highly-trusted debt relief companies in the country, National Debt Relief has a solid reputation for providing fast, efficient, convenient, and most importantly, cost-effective debt settlement solutions to people with a debt of $7,500 or more.


  • No monthly fee
  • Save approximately 50% of your debt
  • Simple fee structure
  • Mobile management and customer dashboard
  • In-house negotiators


  • Not USOBA accredited
  • Not available in all states
  • Not a dedicated account manager

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Why Go with National Debt Relief

With so many debt relief companies fighting for your business, it can be difficult discerning the real McCoys from the scams that just want to take your money. That’s why we are always skeptical when reviewing a debt relief service (guilty until proven innocent). With National Debt Relief, we were pleased to see that it proved itself more than adequate.

National Debt Relief holds an Excellent 5-star rating on Trustpilot. It also has an A+ rating from the Better Business Bureau. National Debt Relief is accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators. All these letters and numbers amount to one thing: reliability. National Debt Relief is a debt relief service that you can trust, and that is worth its weight in gold.

National Debt Relief is also incredibly transparent. Its fee structure is very clear and fair as well. National Debt Relief will take 15%-25% as a debt reduction or settlement services fee, and it will vary based on several factors, such as the amount of debt and where you live. But you won’t pay anything upfront. Instead, you only pay once your debt is settled. Plus, the company spells everything out. There are explanatory sections on the website that break down each option, what it’s about, and how it will affect you and your debt. National Debt Relief even has a section entitled “Is debt settlement right for me?’, clearly displaying that debt settlement is not for everyone. National Debt Relief isn’t just trying to recruit as many clients as possible, it’s really trying to help people in debt get out of it.

According to past results, National Debt Relief clients can save approximately 50% on their debt using this service. That essentially cuts whatever debt you’re currently in completely in half. We don't need to tell you how much more manageable half your debt would be. The entire debt can be resolved or paid off within 24-48 months. You could be completely debt-free in 2-to-5 years.

Finally, the reason more than 100,000 people have chosen National Debt Relief to help them alleviate their debt is that this company offers so many options. To begin with, National Debt Relief actually walks you through the possibility of managing your debt on your own. We love the fact that this debt relief service helps you not use its services.

Another option is debt consolidation, in which you combine all your debt into one and take out a loan to cover the entire sum. You'll then only have a single monthly payment to deal with instead of several. This is a good option, but many people in debt won't qualify for it. The most common solution for National Debt Relief clients is debt settlement. National Debt Relief professionals will negotiate with your creditors to decrease the amount of money you owe them, minimizing your total balance, and making it significantly easier to pay back your debt. The last option is bankruptcy, and it's one that National Debt Relief attempts to help its clients avoid. If it's your last option though, this company will walk you through the process, explain every step, and help you get the best from this solution.

Which option is best for you will depend on your debt and current finances. A competent debt relief expert from National Debt Relief will discuss your options to help you find the best solution for you.

What’s Offered

  • Debt relief
  • Debt settlement
  • Self-payment initiative
  • Consumer credit counseling
  • Bankruptcy
  • Credit card debt
  • Debt consolidation
  • Debt help according to state
  • Free budget planner worksheets
  • Free debt calculator


We've already discussed the major reasons you'd want to choose National Debt Relief as your debt relief service, so we won't go into too much detail. In addition to what we already mentioned, National Debt Relief is courteous, reliable, and fast. Here are a few more features that make this company stand out:

  • Customer-centric relief service
  • Sterling reputation
  • Winner of many awards for quality service
  • Wide array of debt relief solutions
  • No upfront payments
  • Straightforward fee structure

Types of Debt Covered

As mentioned, National Debt Relief has a ton of options when it comes to alleviating and resolving debt. The only catch is that you're going to have to come into the program with the right kind of debt. Like all debt relief services, National Debt Relief doesn’t work with every single kind of debt out there. The good news is that this company works with the widest range of debt possible. Included in the offerings are:

  • Credit card debt
  • Personal loans debt
  • Lines of credit debt
  • Outstanding medical bills
  • Items in collections
  • Repossessions
  • Business debts
  • Various student debts

That’s an impressive list, and more extensive than you’ll find from a lot of competitors. Most debt relief agencies won’t even touch student debts, for example. What you won’t find covered with National Debt Relief are things like:

  • Lawsuits
  • IRS debt or back taxes owed
  • Utility bills
  • Auto, home, or government loans
  • Other types of secured debts

National Debt Relief works with debts of $7,500 or larger with a minimum of $500 per individual account. What’s really great about this service is that if you don’t qualify for the minimum, National Debt Relief will personally pair you up with a credit counselor to help you manage your debt.

Site Security

As mentioned, National Debt Relief has a rock-solid reputation, a really unusual treasure in this industry. One of the factors that makes it so reliable is the commitment to security on all fronts, including site security. National Debt Relief assures you that your information given on the site will not be shared, traded, sold, or rented in any way without your prior consent.

Additionally, National Debt Relief enforces all industry-standard website security measures. These include things like encryption to protect your data during transmission and physical safeguards and policy controls.

Help & Support

National Debt Relief has customer support during normal business hours. You can reach a support representative via phone or email.

Customer support can be reached on Monday – Friday, 8am – Midnight ET, and Saturdays from 10am – 10pm ET, or Monday – Thursday 9am – 10pm ET and Fridays 9am – 8pm ET, depending on the department.

Physical Address

Corporate Headquarters:

National Debt Relief LLC

11 Broadway 16th Floor

New York, NY 10004

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