National Debt Relief is one of the biggest names in the debt settlement industry and one of the biggest companies we have reviewed here on DebtReviews. They haven't been around for as long as some of their rivals, but they have made such a big impact in such a short space of time that their name has become synonymous with debt settlement.

National Debt Relief

About National Debt Relief

National Debt Relief offers its services to Americans, covering a number of states. It does not, as far as we can tell, offer those services to international debtors and the “National Debt Relief” that you see in the UK and in other countries is not the same company.

This is something that can cause confusion and it's something we want to stress form the outset. We haven't had a chance to review the non-US companies that use the same name and we cannot vouch for them, but the fact that they seem to be very big means that international searches for the US-based National Debt Relief will return results for the UK company and other companies.

Basic Information

  • Address: 11 Broadway Ste 1600, New York, NY 10004-1313
  • Web Address:
  • Date of Founding: 9/22/2009
  • Contact Number: (888) 502-6611
  • BBB Accredited? Yes, since 2013.

The Company

National Debt Relief has a history of being settling unsecured debts for up to 50% of what the customer owes. They operate in most states (with the exception of CT, GA, KS, ME, NH, SC, OR, VT and WV) and they have been in business for nearly a decade at the time of writing.

National Debt Relief is accredited with major industry organizations like the IAPDA and AFCC.

The Services

The goal of NDR is to settle all client debt within 48 months, and in most cases they can settle within 24 months. This speed is a huge asset, because the longer this process drags on the more issues it generates, including a higher risk of litigation and spiraling interest rates.

National Debt Relief are a debt settlement company first and foremost, but they also have a lot of useful information on their website that can be used to better understand debt, debt relief and budgeting.

The Employees

National Debt Relief hires over 1,000 employees and has helped hundreds of thousands of customers over the years. Few companies (Freedom Debt Relief and Money Management International are two others) have had as much of an impact on this industry, and on the American debt crisis, as these guys have. And that's all down to those hard working employees, not the mention the fact that National Debt Relief began with a massive budget and the desire to start bigger and grow faster than anyone.

The Reviews

There are thousands of reviews out there for National Debt Relief and the vast majority of these are positive. They are also verified, so you know they are coming from actual customers, but the problem with these reviews is that they are on sites like TrustPilot, which is easier to manipulate than you might think.

TrustPilot pays the bills by charging the companies that list on its database, and as you might expect, it always prioritizes the happiness of these companies. We've experienced TrustPilot from both sides with multiple businesses. We've seen bad reviews rejected/removed, even after showing a valid invoice/proof of order, and we've seen how easy it is to make sure only happy customers are asked to leave reviews. As a result, it's hard to trust them completely and you should always look at their average rating with suspicion.

We've run some analyses on our own site, asking many readers what they think of National Debt Relief, and the opinions have been mixed. Some had been delighted, some have been a little disappointed, and others have been highly frustrated.

There is not enough here to raise suspicion or cause concern, and if anything it seems that National Debt Relief suffer from the “big company syndrome”. In other words, they work great for the majority, but the lack of personalized service and the fact that they don't care about one or two disappointed customers means that a few will leave very frustrated.

Our National Debt Relief Review

There are no shortage of National Debt Relief reviews out there, but now it's time for us to throw our hat in the ring. This review was first penned in 2017 and has been updated many times to stay up to date with the changes within this company (including a complete rewrite at the end of 2018).

The Good

Industry Accreditations

One of National Debt Relief’s biggest strengths is the number of accreditations they hold. The company is accredited with the ADCC (Association of Family and Conciliation Courts) and IAPDA (International Association of Professional Debt Arbitrators), which gives the client some peace of mind in knowing that they follow some strict codes of conduct.

Works with Some Secured Debt

The majority of debt settlement companies only work with clients who have unsecured debt. This is not the case with National Debt Relief as they work with some secured debts as well, including student loan, business debts and more. To find out if your debt may qualify for their service, you can give them a call for a free consultation.

It's worth noting, however, that they don't deal with tax debt and you will need a specialist like Trinity Debt if that's the issue.

Money Back Guarantee

National Debt does not charge any upfront fees, which is not that uncommon for companies in the industry due to an FTC ruling that makes it illegal for them to charge such fees. What is uncommon, however, is the fact that National Debt also promises not to charge any cancellation fees and states you can always be refunded for their services.


National Debt Relief may be a young company and they may not look very experienced on the surface, but when you look at the total number of debts they have settled, the clients they have helped and the money they have saved, they are one of the biggest and the most experienced. Few can come close to National Debt Relief in terms of reach, power, and history, and that's incredibly impressive for a company that has yet to reach its first 10 year milestone.

National Debt Relief Review

The Bad

Limited Industry Experience

While National Debt Relief have done a lot in the short space of time that they have been in operation, some prospective clients may struggle to get around the fact that they are a young company. There are companies in the debt management sector that have existed for upwards of 40 and 50 years, and by comparison National Debt Relief is an infant.

Not Available to Everyone

Contrary to what their name would have you believe, National Debt Relief are not available nationwide and if you reside in any of the following states then you cannot access any of their services: CT, GA, KS, ME, NH, SC, OR, VT, WV. You can, however, make use of the resources that they have on their website.

National Debt Relief’s services are also limited in terms of minimum debt, as you need to have at least $7,500 worth of debt to signup for their services.

Cost and Fees

At 15%,National Debt Relief have one of the lowest settlement charges of any company in this industry. However, this doesn't apply to everyone and some customers have been charged up to 25%, which is more in line with the industry standard and is considerably less impressive.

Overall, there are many factors that need to be taken into consideration here and how much they charge will depend on everything from the size of your debt to the amount that they save you. But you can get a clearer understanding of these rates during your initial consultation with National Debt Relief.

Negative Reviews

As discussed already, there are a number of negative reviews and complaints surrounding National Debt Relief and their services. There have been complaints about the apparent unprofessionalism, with customers unhappy that their debts have been passed from employee to employee and that they haven't been kept up to date with the process.

Another common issue reported in these negative reviews is the significant drop-off in customer service once the customer is past the initial stage of the process. This is not uncommon for large modern companies–they are all smiles and pleasantries when they're trying to get your custom, but once they have it then they focus their smiles on other prospective customers and leave you in the dark.

National Debt Relief Help

The Bottom Line

National Debt Relief has only been in business since 2009, but they have done a lot in that period of time and they hold excellent industry accreditations. The company’s debt services offer competitive pricing, but that isn’t guaranteed and will change on a case by case basis.

Other companies may have more experience, more consistency with regards to their pricing, and a better history of customer support. National Debt Relief is very impressive, make no mistake about it, but make sure you check with other companies before you make your decision.