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National Debt Relief vs. DebtBye 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
Yes
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 experts
  • The ability to seek options from dozens of lenders through one simple application process
  • No minimum amount required to obtain a quote
  • No upfront fees
  • No obligation to proceed with a lender
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 The number of lenders varies by region and type of debt
  • cons Credit score could be impacted through multiple pulls
  • cons Some services are not available in all states
  • cons DebtBye may share your information with unwanted third parties
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