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National Debt Relief Review

National Debt Relief is one of the best options for debt settlement. Customer service and debt negotiation are provided in-house, but you won’t receive a dedicated customer service rep.

Our Verdict

National Debt Relief is one of the best debt settlement firms around especially if you're looking for quick customer service that honestly explains the benefits and drawbacks of debt settlement in general, and National Debt Review programs more specifically.


  • High average debt reduction
  • Excellent user review ratings


  • No dedicated point of contact when you enroll

National Debt Relief is one of the best options for debt settlement. In fact if you have weighed up all the options and are certain you are ready to go down the route of debt settlement then we highly recommend National Debt Relief as the company to do that with. 

However, if you're not yet sure we recommend you read our guide, which explains the pros and cons of the best debt settlement companies.

We rate National Debt Relief so highly because its customer service and debt negotiation are provided in-house. National Debt Relief is also extremely quick to respond to questions you may have and will thoroughly explain the process to you during your initial consultation. The only downside is that you won’t receive a dedicated customer service rep, so you won't have a single point of contact.

(Image credit: National Debt Relief)

National Debt Relief: Fees and Debt Reduction

National Debt Relief can reduce enrolled debt by around 49 percent, which is slightly higher than Freedom and New Era. That's on average, exactly how much your debt will be reduced by will rely on a number of factors from how much you owe to your financial circumstances and your creditor's willingness to settle your debts. 

National Debt Relief charges fees of between 15 to 25 percent on the amount that is settled, which is similar to other debt relief companies. National Debt Relief doesn’t charge any upfront fees, so you’ll only pay on the debts that are settled. Keep in mind, though, that the fees are in addition to the settlement, so a 20 percent fee in addition to a 49 percent settlement ends up being 69 percent of the original amount. This is how all debt settlement services work.

The typical debt settlement program lasts between 24 and 48 months. 

One important thing to know is that entering any debt settlement program can have immediate and lasting impacts on your credit score. You’ll stop paying your creditors and your accounts become delinquent. This can lead to calls from collection agencies. 

National Debt Relief advises you to give its contact information to your creditors and collections agencies when you join.

The minimum debt required for a debt settlement plan with National Debt Relief is $7,500, and the minimum for each account you enroll is $500. If you don’t meet the minimum threshold, you may be referred to a credit counselor who can help you manage your debts. 

National Debt Relief also offers debt consolidation loans through Liberty Lending, so if that is a better option for you advisers may recommend it. It might also help to read our guide to the best debt consolidation companies.

(Image credit: National Debt Relief)

National Debt Relief: Customer Service and Transparency

We highly value transparency in a debt settlement company because it is not something you should go into lightly or without knowing all the facts. 

National Debt Relief was one of the most forthcoming with information. When we spoke on the phone with a customer service rep, they explained the program in detail, spelling out the benefits and drawbacks and offering recommendations on alternatives. They were quick to respond to our follow-ups and provided some of their on-boarding information for us to look over.

It’s important to know that as part of this first call National Debt Relief will run a soft credit check to see who your creditors are, how much you owe and if your debts are eligible to be included in a debt settlement plan. We recommend taking quick stock of your budget and your monthly expenses. The debt specialist you speak to will ask about this so they can calculate how much you can afford to pay into a debt settlement plan.

This company works with unsecured debt – typically credit cards – as well as medical debt, private student loans and personal loans. Its debt settlement plans require you to stop paying your creditors and instead make payments into an escrow account set up by National Debt Relief. 

You control the money in this account. 

After several months of making installments into this account the settlement firm will begin negotiating with your creditors.

National Debt Relief Example Creditor Letter

An example of a debt reduction letter from a National Debt Relief customer

(Image credit: National Debt Relief)

Once you’ve signed up for a debt settlement program, you’ll get access to the client dashboard that allows you to track how much you’ve saved and which accounts have been settled. It also provides you with financial tools such as calculators and budget worksheets. You’ll also be given form letters to send to your creditors, informing them that you’re in financial hardship and requesting that they not contact you to collect.

National Debt Relief is accredited by the American Fair Credit Counsel, an industry group that audits debt settlement firms to ensure they adhere to FCC guidelines. Customer service reps are trained and certified by the International Association of Professional Debt Arbitrators.

National Debt Relief Review: Verdict

Ensuring you have all the facts is vital when deciding whether debt settlement is right for you, and National Debt Relief's debt specialists are crystal clear on the process and the good and bad aspects of it. They will even advise you as to whether debt settlement is the correct path for you. If you are certain you want to use a debt relief company to settle your debts for you, then National Debt Relief offers excellent customer service and a higher-than-average overall reduction of debts settled.

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