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National Debt Relief review

National Debt Relief is one of the best options for debt settlement

National Debt Relief review
(Image: © National Debt Relief)

Our Verdict

National Debt Relief is one of the best options for debt settlement. If you are ready to opt for debt settlement, then we highly recommend National Debt Relief as the company to start the journey with.


  • Good average reduction rates
  • Short program options
  • Great customer service reports


  • No single point of contact
  • Can have a negative impact on credit

National Debt Relief offers a range of financial services to help customers manage their finances. Its debt settlement service is a good option for people who are struggling to meet monthly repayments for credit cards and other debts. It has been in business for over five years and is AFCC accredited. This accreditation means that, among other things, its staff receives extensive training to establish the best debt resolution option for customers' needs, which may not end up being debt settlement. National Debt Relief makes our list of the best debt settlement companies

Settlement programs allow people to stop paying their creditors whilst they accumulate funds in a settlement account. After a certain length of time, that will be pre-determined by National Debt Relief, it will negotiate with creditors to reduce the amount owed. 

Consolidate your debt

If you're struggling under the weight of debt, National Debt Relief could help get your finances back on track. Contact them to see how they could help you today.VIEW DEAL ON National Debt Relief

National Debt Relief generally deals with customers who have over $20,000 in debt to their name, but works with clients with a minimum of $7,500 of unsecured debt. If you're unfortunate to have considerably more debt than this, then National Debt Relief will work with you if you have up to $100,000 in unsecured debt. This can come in a variety of forms, from credit cards and personal loans to medical bills, business debts and private student loan debts. 

According to NDR it achieves an average reduction of around 50%, which is good for the sector, but this figure varies depending on your circumstances and the companies your credit is with. It charges fees that fall within the industry average, standing at between 15% and 25%. 

If you're not sure clear about debt settlement yet, then read our guide on what debt settlement is, the best debt settlement companies, and reviews for other top debt settlement companies like our Freedom Debt Relief review or our Accredited Debt Relief review

National Debt Relief review: Features

  • Accredited by the Better Business Bureau
  • Settlement plans from 24 to 48 months long
  • Average net savings of 30% after fees
National Debt Relief: Key Figures

Information Support: Over the phone, and online

Support: Online, Phone 

Interface: Computer, tablet, and mobile

National Debt Relief starts off the debt settlement process over the phone, during your initial phone call you will be asked some questions about your current financial situation including your income and outgoings. It's a good idea to have the names of the companies your loans or credit cards are with to hand as well. 

Debt settlement should not be the first option if you are struggling with your payments, but is a good solution if your circumstances fit. National Debt Relief's staff are highly skilled and have extensive training to help customers establish the most appropriate solution to meet your needs. To help them give you the most accurate information, have details of your financial situation in front of you when you have your initial conversations.

Because debt settlement needs you to stop paying your creditors in order to accumulate funds in a settlement account, your credit score can be damaged. While your debts will be paid off after the program is finished, you may not be able to borrow again for some time. You should discuss your future plans with your advisor to make sure debt settlement is the right option for you.

National Debt Relief review: How it works

  • Easy-to-navigate website
  • Well trained and informative staff
  • Informative educational content 

In order to engage National Debt Relief to work on your debt settlement program, you will have to open a new account that you will pay the money you would have paid to your creditors on a monthly basis. National Debt Relief will work with you to figure out the right amount for you to pay in each month. 

The account is easy to access via mobile app or website and it comes with bitesize financial education content that is aimed at getting you into better money management habits once the settlement is paid off.

By seeing your money add up, it can make debt settlement - and the road to becoming debt-free - seem that much closer. 

National Debt Relief review

(Image credit: National Debt Relief)

National Debt Relief review: Quality of product

  • Fees in line with market average 
  • Terms from 24 to 48 months
  • Good negotiation results

National Debt Relief offers a range of solutions for its customers who are struggling to pay back their debts, their debt settlement programs are versatile to cater for different circumstances. It seems that National Debt prefers that its average client is not in arrears when first making contact, but rather just starting to struggle to meet monthly minimum payments. However, regardless of your own individual circumstances, it seems that National Debt Relief can help you.

The company's focus is on finding solutions for clients to take the stress out of paying back debts and to make the process of debt settlement more affordable.

National Debt Relief review: User reviews

  • Rated 'Excellent' by Trustpilot
  • Over 24,000 user reviews

National Debt Relief is rated 'Excellent' by Trustpilot, with a five-star rating that's been accrued by more than 25,000 reviews.

Most of the reviews are very encouraging and complimentary on the customer journey and final outcome, there are some reviews that talk about how the company has taken more time than expected to clear the debt or even moved the debt onto a loan with another company. 

While these negative reviews are mostly outweighed by the positives, it is still a good idea to always write down what you are told in an initial phone call and make sure that any contracts or agreements you sign contain the same information. 

Some negative comments come from users now regretting taking the debt settlement route to clear their debts, rather than specifically having an issue with National Debt Relief, so this is something to think about. Specific issues for National Debt Relief include advisors only responding via the phone, rather than email and fees being higher than anticipated. However, in general, the feedback for National Deb Relief is excellent and it ultimately gets the job done for the vast majority of its customers.

Should I choose National Debt Relief?

National Debt Relief offers a good range of services for customers who have not already fallen behind with payments but who have been making minimum payments and may now be struggling to meet those. They have a team of highly trained staff who help people find a workable solution to get their finances back under control.

National Debt Relief charge fees that fall in line with the industry average. There are no upfront fees to consider, and as with other settlement companies, the amount you will pay them is calculated based on the total amount of debt settled through them. Their settlement fee varies between 15% to 25% of the debt you enroll, so you will need to take that into consideration and workout overall how much they might be able to save you.

Debt settlement is a good option for people in certain circumstances, but you do need to keep in mind the effect it could have on your credit. National Debt Relief will run a check on your credit during the application that will result in a soft pull on your file, so your FICO score may suffer a little at that stage. You will likely also further lower your credit score if your debts are sent to collections during the period in which you are paying into your settlement account. National will help you to learn how to handle chasing calls and demanding mail during this time.

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 debt settlement company you contact first. 

Consolidate your debts with National Debt Relief

Find out if you qualify for debt relief and how quickly you could be debt free by contacting National Debt Relief. View Deal