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National Debt Relief
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Pros / Average reduction rates, after fees, are higher with National Debt Relief than other companies' rates.

Cons / There is no live chat option for customer support with this service.

 Verdict / With average reductions of total debt at 30 percent, National Debt Relief is one of the best choices for your debt consolidation program.

When your debts are piling up and you are unsure of how to meet monthly payments, one option is debt consolidation. Debt consolidation helps you achieve more manageable monthly payments at lower rates. National Debt Relief helps its clients in difficult financial situations by working with creditors in attempts to lower their total debt. Because of the services National Debt Relief offers and its low fees, this debt consolidation company is our Top Ten Reviews Gold Award winner.

National Debt Relief provides debt relief services and provides additional resources and counseling to help you avoid repeating the situation. Though this company works to help you manage your debt, it does not want repeat customers, so it aims to help you find solid, financial footing.

National Debt Relief Visit Site
  • Customer Service
  • Resources
  1. We calculated this score based on our experience contacting customer service.
    Higher is Better
  2. 1  National Debt Relief
    85.0 %
  3. 90.0 %
  4. 80.0 %
  5. Category Average
    81.5 %

Cost & Fees

This company charges around 18 and 25 percent of your total enrolled debt. This means that your overall reduction is debt is around 30 percent, which is average for the industry but less than companies like New Era and Superior. While this is a great reduction in debt, the consolidation process takes time and is not an instant fix.

Debt consolidation companies cannot charge advanced fees due to the FTC regulations, and National Debt Relief complies with this rule. Additionally, it doesn't charge monthly account maintenance fees that other companies on the lineup charge.

On average, programs with this debt consolidation company take between two to four years. While other companies might advertise shorter terms, National Debt Relief is well within the industry average timeline. Furthermore, it is important to keep in mind that the length of your program is specific to your financial situation and the amount of money you can dedicate to paying your creditors.

The information a company presents on its website, via email and over the phone is important for selecting a debt consolidation company. It is significant when a company gives consistent information about its programs across multiple platforms.

On the company website, National Debt Relief thoroughly explains the severity and consequences of debt relief programs, including debt settlement, debt consolidation and debt management programs. While this may turn some people away, it is commendable for a debt consolidation service to lay out the hard truths so you know what you are getting into.

This service also reveals the imperative legal information about the process, including average debt reduction, fees incurred during the program and your consumer rights. While you will work closely with your personal advisor, you can also manage your account online and through the mobile app.

Eligibility & Application

This company keeps its service fees low so that savings from your consolidation go to you rather than to paying fees. National Debt Relief has a minimum debt requirement of $7,500 that you must meet before it will work with you. This $7,500 can be comprised of unsecured debts, such as credit cards, medical bills and other lines of credit. However, student loan and payday loan consolidation are often exempt from this program.

To begin this process, fill out the online email form and a debt specialist will contact you. During your consultation, you go over your debt relief options, the requirements that must be met for a debt consolidation program and time requirements. If you decide to enroll in a program, you will make one low monthly payment to a personal account. Funds from this account will then go to paying off your debts.

It is imperative that throughout the program you understand that you are still liable for your debts. Your creditors have no obligation to work with you or National Debt Relief and are still within their rights to make collection calls or even sue you.

Customer Experience

Additional resources provided by National Debt Relief are designed to help you manage your debt and budget for the future. While a consolidation plan can help you get out of debt, you need more tools to ensure you do not go back into debt.

The company website provides a glossary, which defines common jargon in the debt consolidation industry. You can also read the FAQs page to get a more solid idea of the debt consolidation process, risks involved and its effects of your credit score. If you need further support, you can contact customer service over the phone or through email. However, in our tests, National Debt Relief was slow to respond to email inquiries we submitted.

Company Accreditations

This debt consolidation company is both IAPDA and AFCC accredited. While it is missing a USOBA accreditation, it is still a very reputable company. The IAPDA provides training courses and certifications for professional arbitrators. The AFCC surveys companies to ensure they are upholding the FTC regulations and not in violation of any laws. Neither of these companies is a government body; however, each is known for promoting best practices within the debt consolidation industry.


National Debt Relief is one of the top debt consolidation companies. It charges average fees for services and has high success rates in negotiations. The company website provides great information in its FAQs, videos and budgeting resources. These resources are a solid addition to your debt consolidation program and help you map out your financial pathway.

National Debt Relief Visit Site

Specifications and Benchmarks

Company Accreditations


Cost & Fees

Program Time Frame
24-48 Months
Average Reduction After Fees
Fee for Debt Reduced
Average Fees for $10,000 of Debt
$1,800- 2,500
Debt Calculated
No Monthly Fee

Programs Offered

Debt Settlement
Debt Management
Debt Consolidation

Customer Experience

Customer Service
Personal Advisor
Online Management
Mobile Management

Eligibility & Application

Minimum Required Debt
Personal Debts
Business Debts