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National Debt Relief vs. CountryWide Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Debt Relief

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Debt Relief

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Good For
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Good For
Minimum debt: $10,000
Minimum Debt Amount

$10K

Minimum Debt Amount

$10K

Free Consultation
Yes
Free Consultation
Yes
Soft Credit Pull
No
Soft Credit Pull
No
Pros
  • Helps consumers realize approximate savings of 45% before fees.
  • No upfront fees.
  • 21,000 Five-Star reviews on Trustpilot.
  • A+ Rating with the BBB.
  • Largest footprint in the industry
  • On average, become debt-free in 24-48 months.
Pros
  • Free consultation with a debt expert.
  • Instant approval process.
  • Fees are performance-driven so if you don’t save money you don’t pay a service fee.
  • Expertise in working with individuals that have small or variable income.
Cons
  • cons DR program can cause a temporary drop in your credit score.
  • cons The debt settlement process can take up to 48 months.
  • cons Unlike a cash-out refinance, you will not be able to get cash from a debt settlement program.
Cons
  • cons Approval guarantee comes with conditions, including a minimum of $10,000 total debt and the ability to pay 1.5% of total debt a month or $250 whichever is greater.
  • cons Credit score will temporarily be negatively impacted.
  • cons The maximum APR of 35.89% is very high.
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