Debt settlement is not a loan or credit counseling. Results vary and fees may apply. Read all program terms before enrolling.
TrueRateGuide Verdict: Strong fit for high-balance unsecured debt
National Debt Relief is a sensible option if you are carrying $10,000 or more in unsecured debt like credit cards and want one monthly program payment instead of juggling several bills. A specialist reviews your situation for free, and their team works to settle enrolled debts for less than the full balance. It is debt settlement, not a loan or credit counseling, so weigh the trade-offs first, but for someone buried under high-balance cards a free consultation is a low-risk first step.
Pros & Cons
What We Like
- One monthly program payment instead of several card bills
- Free, no-obligation consultation to see if it fits
- Works with $10,000 or more in unsecured debt
- You stay in control while their experts negotiate
- No upfront fees to start the program
Things to Consider
- Debt settlement is not a loan or credit counseling
- Fees apply once your enrolled debts begin to settle
- Best for unsecured debt such as credit cards and medical bills, not secured debt
- Results and timelines vary by situation
- It works best when you stick with the monthly program
Debt settlement, not a loan or credit counseling. Enrolled debts, results and fees are set by the provider and vary by situation.
How National Debt Relief Works
Share a few details about your debt. A specialist reviews your options at no cost, with no obligation to enroll.
If it fits, you set aside one monthly payment into a program account instead of paying each creditor separately.
Their team works with your creditors to settle enrolled debts for less than the full balance you owe.
As debts settle, you move toward being debt-free, with a program goal of 24 to 48 months.
Real Reviews From National Debt Relief Clients
Ratings shown as published by National Debt Relief on Google, ConsumerAffairs, and Trustpilot. Ratings and review counts change over time.
Frequently Asked Questions
Is National Debt Relief legitimate?
Yes. National Debt Relief is one of the largest debt settlement companies in the US and has helped hundreds of thousands of people resolve unsecured debt. As with any program, review the terms carefully before enrolling. Debt settlement is not a loan or credit counseling.
How does debt settlement work?
Instead of a loan, you make one monthly payment into a dedicated program account. National Debt Relief's team negotiates with your creditors to accept less than the full balance on enrolled debts. As settlements are reached, those debts are resolved.
How much does National Debt Relief cost?
There are no upfront fees. Fees are charged only as your enrolled debts settle, typically a percentage of the enrolled or settled amount. Your first consultation is free and there is no obligation to enroll. Results and fees vary by situation.
How long does the program take?
Most programs are designed with a goal of 24 to 48 months, though timelines vary based on your total debt and how quickly you fund the program. Results vary and not all debts may settle.
How much debt do I need to qualify?
Debt settlement generally works best for people carrying $10,000 or more in unsecured debt, such as credit cards, medical bills, and personal loans. A free consultation can tell you whether the program fits your situation.
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