National Debt Relief
  • Minimum Debt: $7,500
  • One Low Monthly Payment
  • Reduce Debt in 24-48 Months
  • No Upfront Fees
  • Money Back Guarantee


National Debt Relief can help you to avoid the all-dreaded bankruptcy by negotiating with all of your creditors with the goal of a debt settlement. This company can also provide debt management help, financial education and consultations to help prevent you from accruing debt in the future.

This company has a high success rate, beating out the competition in terms of customer satisfaction and many raving reviews from past clientele. They have a reputation for working closely with their clients in order to determine manageable payments, which can make this entire lengthy process go much smoother.


How National Debt Relief Can Help

This is a company that uses an extremely strategic process when it comes to debt negotiations. Like other companies in this field, they’ll require you to make monthly payments of a determined amount. These payments are deposited into a federally insured account that’s completely separate from your regular savings or checking account. A debt consolidator will then advise you to stop making payments to your creditors and to avoid any communication with them.

After a period of three to six months, your accounts will be charged off, which means the creditors have taken your debt as a tax write off. At this point, the debt settlement company will reach out to your creditors for you. They provide financial evidence that you’re unable to afford the payments, but that you’re willing to negotiate a settlement.

Because you’ve stopped making payments, the creditors will naturally assume that you’re unable to afford to make these payments, which will increase your chances that they’ll accept the settlement offer.

National Debt Relief will release the appropriate amount of funds to the creditor based on how much the settlement amount is for. Most reviews from consumers who have used this program saved an average of fifty percent before fees and around thirty percent including fees paid for the debt settlement service. The length of this program can range from two to four years, based on your level of total debt and how much money you’re able to put towards it each month.


National Debt Relief
  • Minimum Debt: $7,500
  • One Low Monthly Payment
  • Reduce Debt in 24-48 Months
  • No Upfront Fees
  • Money Back Guarantee



In order to qualify for this service, there are a few requirements. You must have a minimum debt requirement of $7,500. The following sources of debt cannot be qualified as your debt settlement plan: personal loans from your bank, title loans, payday loans, child support, or mortgages. Your debt can come from a range of sources including collections accounts, credit loans, personal loans, unsecured debt, medical bills,  lines of credit, department store cards, and credit card debt.

In addition to these qualifications, you should not be able to afford the minimum payment requirements for your credit card debt and the other sources of debt. In most cases, you’ve already fallen behind on payments and are in financial hardship.

If you meet these requirements then you’re an excellent candidate for these services. Just keep in mind that enrolling can potentially damage your credit score. You’ll be opening yourself up to the possibility of lawsuits and additional collections fees which can go into motion once you start withholding payments to creditors.  Because using this service can potentially be very damaging to your credit score, enrolling is definitely a solution that should only be used in extreme cases.



For this service, you can expect to pay fifteen to twenty-five percent of whatever debt is settled for you. Fortunately, there are no additional fees to worry about. This fee is the going rate for most debt settlement companies.


Applying and Contacting National Debt Relief

The National Debt Relief main office is located at 11 Broadway, New York, NY 10004.

Applying on the phone or online is fast, easy and simple. In fact, it can be done in less than a minute. You can contact a certified debt counselor at 800.300.9550. During this free consultation, the debt counselor will address any concerns or questions you may have regarding your eligibility or how this service works. Your other option is to fill out an application online.

An online application will entail entering some basic information about yourself including your first and last name, email, phone number, the state you reside in, and how much debt you owe. After your application has been reviewed, National Debt will provide you with a free quote in order to get the process started and determine exactly what they can do for you.


Starting the Process

Try not to get discouraged during the beginning of this process, even if you’ve tried negotiating a settlement or more reasonable payment plan with your creditors with no success, National Debt Relief offers debt specialists who are trained professionals who have much more experience with debt negotiations.

We recommend keeping thorough documentation of all your communication with creditors, including copies of statements, credit cards, bills, and letters. If you have a phone conversation with one of your creditors be sure to keep a record of the conversation and send in a copy of your notes to your debt specialist who will keep them on file after they are reviewed. Of course, you will want to cease all communication with your creditors and avoid interacting with them as much as possible.



You’ll rest easier at night knowing that you have experienced professionals in your corner, fighting to get your debts settled so you can begin a new chapter in your life. Although many consumers may struggle to make monthly payments towards their debt account each month, ultimately, they’ll learn more about the importance of managing their money. Using this service can be a huge step in the right direction towards repairing your damaged credit report.

You won’t be charged any fees for this service until your debt has been settled. Although because each situation is different it’s hard to say exactly how much you will end up paying for this service. Fees can also vary from state to state.

National Debt Relief has an A+ rating with the Better Business Bureau. They also have a ninety percent positive consumer rating, and just ten percent dedicated to negative customer ratings. They are also accredited by the Better Business Bureau and are members of the American Fair Credit Council. According to many National Debt Relief reviews, this company has great customer service and has been a top debt relief option for many people.

On top of these impressive professional achievements, they also contribute to a number of charities including Autism Speaks, St. Jude Children’s Hospital, and Network for Good.

They also offer a hundred percent money back guarantee. If you’re unsatisfied with their services you can cancel at any time, without any fees or penalties.



As we’ve mentioned, during this long debt settlement process, you’ll stop paying your creditors. This can lead to aggressive calls from creditors, harassing letters, and possible lawsuits. Many of your accounts that are past due can even end up in collections, which can further damage your credit.



Working with National Debt Relief will not only put you on the right path towards a debt free life, but this service can essentially help you to get your life back. They’re true experts when it comes to advising their clients on the best ways to handle credit cards and debt collection. And because they are experts with a reputation for success, you know the advice they offer is advice you can trust. If you feel that debt settlement is the right process for you, then you can’t go wrong with National Debt Relief. They’ll advocate for you, negotiate a reasonable settlement and they’ll help you to become debt free in as little as two years.