National Debt Relief — Key Facts
| Detail | National Debt Relief |
|---|---|
| Founded | 2009 |
| Accreditation | AADR, IAPDA accredited; A+ BBB rating |
| Fees | 15–25% of enrolled debt (charged only after settlement) |
| Minimum debt | $7,500 unsecured debt |
| Average program length | 24–48 months |
| Types of debt settled | Credit cards, medical bills, personal loans, private student loans |
| Free consultation | Yes — no obligation |
| States not served | Connecticut, Georgia, Kansas, Maine, New Hampshire, Oregon, Vermont, West Virginia |
What Customers Say
National Debt Relief customers frequently cite responsive customer service, clear explanation of the process upfront, and successful settlements on credit card debt. Trustpilot rating: 4.7/5 based on 40,000+ reviews. Many customers report settling debts for 40–55 cents on the dollar.
The most frequent complaints involve credit damage during the program (expected but not always fully explained), the timeline taking longer than estimated, and creditor lawsuits during the settlement period. These are inherent risks of debt settlement, not specific to National Debt Relief — but highlight the importance of understanding the process before enrolling.
Both are similar in size, fees (15–25%), and results. Freedom Debt Relief has a slightly longer track record (founded 2002 vs 2009). National Debt Relief has more online reviews and consistently higher Trustpilot scores. Both are legitimate — compare their estimates for your specific situation before choosing.
Frequently Asked Questions
No — National Debt Relief is a legitimate, accredited debt settlement company. It's a member of the American Association for Debt Resolution (AADR) and holds an A+ BBB rating. It charges fees only after successfully settling a debt (as required by FTC rules). The process is legitimate, though it carries the inherent risks and credit damage of any debt settlement program.
National Debt Relief charges 15–25% of your enrolled (original) debt balance, paid only after each debt is successfully settled. On $30,000 in enrolled debt at 20%, fees would be $6,000 over the program. These fees are paid from your dedicated escrow account as settlements occur — you do not pay upfront fees.