National Debt Relief Review

Overview of National Debt Relief

National Debt Relief is a debt settlement company founded in 2009 that helps consumers resolve unsecured debt from credit cards, medical bills, personal loans, and other debts. The company negotiates with creditors on the consumer’s behalf to reduce balances owed.National Debt Relief charges fees based on enrolled debt amount and saved money from settlements. It provides debt settlement services in all 50 states. The company is accredited with the American Fair Credit Council (AFCC) and has an A+ rating from the Better Business Bureau.

Debt Settlement Process

The debt settlement process typically works as follows:

  • Client signs up with National Debt Relief and provides details on unsecured debts they owe
  • Client sets up dedicated account to make monthly payments to National Debt Relief
  • National Debt Relief contacts creditor(s) to negotiate settlement offers
  • If settlement is accepted, client pays agreed upon lump sum from dedicated account
  • Creditor considers remainder of debt settled/paid off

Potential Benefits

Debt settlement with National Debt Relief may provide the following benefits:

  • Settlements for 30-50% of enrolled debt amounts
  • One lower monthly payment instead of multiple creditor payments
  • Potentially improved credit score over time as settled accounts fall off credit reports


Those considering National Debt Relief should keep the following in mind:

  • Upfront and monthly fees – 15-25% of enrolled debt plus monthly service fee
  • Potential for lawsuits/collection calls during program
  • Tax implications for settled debt amounts
  • Possibility of settlement rejections
  • Impact on credit score in short term