• Types of Debt Covered: ★★★★☆ 4/5
  • Minimum Debt Required: ★★★☆☆ 3/5
  • Fees: ★★★★★ 5/5
  • Timeframe: ★★★★★ 5/5
  • Savings: ★★★★★ 5/5
  • Ease of Signup: ★★★★★ 5/5
  • Customer Satisfaction: ★★★★★ 5/5

2022's National Debt Relief Reviews

  • Types of Debt Covered: ★★★★☆ 4/5
  • Minimum Debt Required: ★★★☆☆ 3/5
  • Fees: ★★★★★ 5/5
  • Timeframe: ★★★★★ 5/5
  • Savings: ★★★★★ 5/5
  • Ease of Signup: ★★★★★ 5/5
  • Customer Satisfaction: ★★★★★ 5/5

Best For

Getting people out of debts without loans or bankruptcy


  • National Debt Relief offers a free consultation
  • They charge a predetermined fee after the debt is settled
  • The process is simple and straightforward


  • Its services are not available in all states
  • Services only available for people who have more than $7,500 of debt

National Debt Relief is one of the leading debt settlement companies in the United States. It has helped thousands of people get out of debt and start over with their finances. But is National Debt Relief right for you?

In this article, we’ll take a look at:

  • National Debt Relief reviews
  • how it works
  • its main features
  • eligibility requirements
  • the debt settlement process
  • customer support options
  • the pros and cons of using its services

We will also compare it to some of its top competitors so that you can make an informed decision about whether or not to work with National Debt Relief.

What Is National Debt Relief and How Does It Work?

National Debt Relief is a debt settlement company that offers to negotiate with your creditors to settle your debts for less than you owe. It was founded in 2008, with headquarters in New York. National Debt Relief is accredited by the Better Business Bureau (BBB) and has an A+ rating.

To be eligible for National Debt Relief’s services, you must have at least $7,500 in unsecured debt, including credit card debt, medical bills, personal loans, and business debts. The company cannot help with secured debts, such as mortgages or car loans. The company claims that once you select a debt settlement plan, you can get your financial stability back within 24 to 48 months! It’s best for people who have a lot of unsecured debt and are struggling to manage their finances. They also offer debt consolidation, credit counseling services, bankruptcy referrals, and more. The company also helps borrowers with lawsuits if they have any.

Many people wonder, is National Debt Relief legit? Naturally, they don’t want to spend their money on a service that won’t work, especially when they’re struggling financially.
What really impressed me was that the company does not charge any fees until you are debt-free! And once you are, you can pay it in monthly installments so you don’t have to worry about repaying the entire amount. I think it’s a wonderful feature that sets it apart from other debt settlement companies.

Main Features

Now let’s discuss some of the main features to get a detailed review of National Debt Relief:

Types of Debt Covered

As we mentioned earlier, National Debt Relief can help you settle most types of unsecured debt. Unsecured debt is debt that is not backed by collateral. This means that if you default on your payments, the creditor cannot seize any of your assets to cover the cost of the debt.

The debts covered by National Debt Relief are:

  • Credit cards
  • Personal loans
  • Lines of credit
  • Collections
  • Repossessions
  • Medical bills
  • Business debts
  • Certain student debts like private student loan debts

What really impressed me was that they cover most types of unsecured debt that most people need help with.

Minimum Debt Required

As we mentioned earlier, you must have at least $7,500 in unsecured debt to be eligible for National Debt Relief’s services. This requirement is one of the top causes of National Debt Relief complaints because people with less debt cannot opt for their services. Many people think that regardless of the amount they owe, National Debt Relief should manage their debt and guide them on how to get out of credit card or any debt.


This is one of the best features of National Debt Relief that I came across. The company doesn’t charge any fees until you approve the settlement plan and until all your debts are settled! They charge 15%-25% of the total debt that you can pay in monthly installments.

I think it’s a wonderful feature as it protects consumers from getting further into debt. This is especially important as most people take the help of debt relief companies only as a last resort.


Another feature worth mentioning in our National Debt Relief review is that the company claims to help you settle your debts within the timeframe of 24-48 months. This is a shorter timeframe than many other debt settlement companies offer. There were many positive reviews from clients who appreciated this feature.


While the average net savings vary from person to person, National Debt Relief claims that their clients are able to save anywhere from 30% to 50% of their debt amount as savings. Based on many positive reviews by clients, I can say that it’s true! What’s more, this amount remains after you pay what is due to the company! Of course, the savings only apply to people who stay with the program till all their debts are settled.

Credit Check

Some negative reviews on National Debt Relief state that the customers did not appreciate that their credit score took a dip during the debt settlement process. The company admits that a soft credit pull is part of the process. You should remember that credit consolidation is one of the things that affect your credit score negatively, but this usually improves once the debt is settled.

If you file for bankruptcy to settle your debt, you should know how long it stays on your credit report, which is usually for years! It can affect your credit report significantly, and it may not improve even if you try to fix your credit score. That’s why National Debt Relief tries to avoid filing for personal bankruptcy so that you can get back on your feet quicker!

Feature Rating
Types of debt covered ★★★★☆ 4/5
Minimum debt required ★★★☆☆ 3/5
Fees ★★★★★ 5/5
Timeframe ★★★★★ 5/5
Savings ★★★★★ 5/5
Credit check ★★★★☆ 4/5


While researching I came across some National Debt Relief reviews that thought the eligibility requirements were too strict. Here are some of them:

  • You should have at least $7,500 of unsecured debt and be several months behind your payments.
  • You must be above 18 years of age and a resident of the USA.
  • You should have the resources to make monthly payments into a settlement account.
  • Finally, you must be going through a financial hardship that caused a reduction in income like job loss, separation, divorce, death of a spouse, student loans, unexpected medical bills, unpaid utility bills, or IRS debt.

Debt Settlement Process

Let’s now discuss how does National Debt Relief work and the steps involved in the debt settlement process.

Step 1: Contact Them For a Free Consultation

The first step is to apply for a debt relief consultation and mention how much debt you owe. The consultation process is entirely free of cost. However, you must be honest about your financial situation as this is the only way that the company can help you. National Debt Relief will then review your information and create a personalized debt settlement plan for you. This plan will outline how much you need to pay each month to settle your debts within 24-48 months.

Step 2: Approve Your Plan

During this part, many clients start wondering, does National Debt Relief work, but based on several positive reviews I can say that the plans are customized and work well for most people! So once the company creates an affordable plan for you, you will need to approve it. Make sure you understand all the terms and conditions of the plan and only then approve it.

Step 3: Start Funding an Escrow Account

You will make monthly payments to National Debt Relief, and they will hold these payments in a trust or escrow account. You will have total control over this account and the amount of monthly payments is decided in advance.

Step 4: The Company Will Negotiate on Your Behalf

Once they have saved up enough money in this account, they will begin negotiating with your creditors. During these negotiations, National Debt Relief will attempt to get your creditors or debt collectors to agree to accept less than the full amount of debt that you owe in a lump sum or ask them to lower your interest rates. Most reviews of National Debt Relief claim that the company negotiates well and in most cases, the debt amount is reduced!

Step 5: The Creditors Are Paid

Once National Debt Relief has saved up enough money in their trust account, and the creditors have approved the plan, they will begin paying your creditors off. You will continue making monthly payments to National Debt Relief until all of your debts have been settled.

The entire process can take from 24 to 48 months on average, and even more in some cases. After your debts are paid, you will also have to pay a monthly fee to National Debt Relief for their services. So how much does National Debt Relief charge? It’s anywhere between 30% and 50% of the total debt amount.

Customer Support

You can reach customer support at (800) 300-9550 and it’s available Monday to Friday, 8 a.m. to midnight EST, 10 a.m. to 10 p.m. EST on Saturdays, and 10 a.m. to 9 p.m. EST on Sundays.

They also have a detailed FAQ section on their website which answers general questions about the process. The blog section provides general finance tips on topics like investments and how to be responsible with your money. Most customers were happy with the customer support.


Here’s how National Debt Relief compares to its competitors:

National Debt Relief Accredited Debt Relief 
Win National Debt Relief is accredited by the International Association of Professional Debt Arbitrators.
Lose Accredited Debt Relief has a rating of 4.8/5 stars on Trustpilot and does not consider a client’s credit score. 
Best for Accredited Debt Relief is better for people with low credit scores.
National Debt Relief DMB Financial 
Win National Debt Relief reveals the exact fees they will charge before you begin with the process.
Lose DMB Financial has a client portal that lets you track your settlement process in real time.
Best for DMB Financial is suitable for people who want to track their process continuously. 
National Debt Relief New Era Debt Solutions
Win National Debt Relief reveals the exact fees they will charge before you begin with the process.
Lose The average length of the program offered by New Era Debt Solutions is just 27 months.
Best for New Era Debt Solutions is best for people who want to settle their debts fast.

If you still wonder, is the National Debt Relief program legitimate, many positive reviews from actual users point out that it is. It’s most suitable for people who want to get out of debt quickly and wish to know the fees in advance.

Is National Debt Relief Worth It?

National Debt Relief helps people get out of debt fast by negotiating on their behalf with their creditors. They offer a free consultation and charge a predetermined fee so you know what you’re getting into.

National Debt Relief offers individual and customized plans to help people get out of debt and live a life free from financial problems.



What is the National Debt Relief program?

National Debt Relief is a debt settlement company that offers a variety of services to help consumers get out of debt. National Debt Relief works with your creditors to negotiate the terms of your credit.

Is National Debt Relief a legit company?

Yes, National Debt Relief is a legit company. It is accredited by the Better Business Bureau and the International Association of Professional Debt Arbitrators and has an A+ rating.

Is National Debt Relief a scam?

No, the company is not a scam. You can find many positive National Debt Relief reviews online from real people who have gotten out of debt with its help.


I learned a lot about finance after working for a digital marketing company specializing in investing and trading stocks, forex, etc. After that, I got exposed to other verticals such as wealth management and personal finance, which further improved my understanding of the financial world.