National Debt Relief Review

If you are engulfed with high debt and considering of filing for bankruptcy, you may consider checking out National Debt Relief first. It is basically a debt settlement company that negotiates with your debt creditors to lower your current debts. The company has A+ BBB rating and many customers have already claimed that they have been saved by National Debt Relief.

Details of National Debt Relief

  • Services Offered: Debt Settlement with the option of direct negotiations.
  • Minimum Debt for Consideration: $7,500 of eligible debt.
  • Normal Turnaround Time: 24-48 months.
  • No consultation and cancellation fees.
  • Service Charges: 18-25% of the total registered debt.
  • Ratings: A+ BBB rating, Trustpilot rating of 9.4.
  • Accreditations: American Fair Credit Council, Better Business Bureau, International Association of Professional Debt Arbitrators.
  • Accepted Debt Types: Medical bills, credit cards, lines of credit, personal loans, business debt, and student loans. Secured debts are not eligible for consideration.
  • Customer Service: Phone, live chat, and email.
  • For more info, Face The Red offers reviews of NDR on their website.

How Much does it Cost?

The service charge of National Debt Relief is usually between 18 to 25% of your total registered debt over two to four years. However, the exact percentage rely upon the total amount of your registered debt and the state you reside in.

For example, to pay a $10,000 debt over three years with a median 15% interest rate, your total debt would end up at $15, 639.44 when you are ready to negotiate. Your service charge would likely fall between $2,815 and $3,910.

How Much Can You Save?

The amount you would end up saving depends on the total amount of debt you have and how successful the company can be in its negotiation with your debt creditors.

According to customer testimonials found on the BBB website, some customers claimed that they have saved a significant amount of money, while there were few others who said that they were hit with hidden charges and end up paying more than their original debt.

Pros of National Debt Relief

  • You will not be paying any upfront fees and you will only be charged after successful negotiation of your debt.
  • If you are not happy with their service, you can cancel your enrollment with a 100% money-back guarantee.
  • The company also consider some type of student loans for negotiation.
  • You only need to have $7,500 in minimum debt to enroll.

Cons of National Debt Relief

  • Even though the company claims there is no upfront fees or cancellation fees, some customers at the BBB website claimed this is not true and they have been charged with hidden fees.
  • Debt settlement is a risky step that can damage your credit score in the long run.
  • Secured loans like car loans, mortgage or other types of loans with collateral are not eligible for debt negotiation.
  • Unfortunately, the company right now works only in 41 states.

Is National Debt Relief Lawful?

Yes, the company is perfectly legal and BBB accredited company since 2013 with a current rating of A+ based on transparency in its operation and time spend in the business. The company currently has 4 out of 5 stars according to 340 customers who reviewed the company. On Trustpilot, more than 11,000 customers have reviewed the company with an average rating of 9.5 out of 10.


Debt settlement is a risky step and should not be taken lightly. It has a direct impact on your credit score and should not be considered unless you want to stay of debt thereafter. Only if bankruptcy is your only remaining option, National Debt Relief might be worth a try.