National Debt Relief Review
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National Debt Relief Reviews

Bob Phillips


Bob Phillips

Help with creditors negotiation
Help with creditors negotiation
About National Debt Relief

National Debt Relief began operations in 2009 and is headquartered in New York City. It is one of the country’s largest debt relief companies and has helped more than 400,000 people get out of debt. National Debt Relief helps people with unsecured debt, such as credit cards, medical bills, and some types of student loans.

National Debt Relief employs a team of trained negotiators who contact creditors on behalf of their clients and make settlement offers for less than what the client owes. As a result, many of the company’s clients have been able to pay less than the total amount they owed and have eliminated their debt in 24 to 48 months.









National Debt Relief Debt Relief Review

National Debt Relief provides debt relief services to people who cannot pay their creditors and are behind on their payments. Customers must be able to make monthly payments to a fund used to settle their debt.

National Debt Relief Debt Relief Highlights


24 - 48 months











Pros & Cons

  • Charges no upfront fees
  • Offers free consultations
  • No credit check or minimum credit score required
  • Creditors may still report negatively to credit bureaus
  • Only unsecured debts are eligible

Debt Consolidation Types

  • Debt relief consultation service
  • Debt consolidation loans

National Debt Relief Debt Relief Terms & Requirements

National Debt Relief’s terms are easy to understand because they are very transparent about what they charge and what they can and cannot do. Working with them requires $10,000 minimum of unsecured debt and the ability to make a monthly payment. They do not help with secured debt relief, such as mortgages, car payments, etc.

How to Apply

The process of receiving debt relief assistance from National Debt Relief begins online or with a phone call.

To start the process online, there are five steps:

Step 1

Confirm you owe at least $10,000 to creditors

**After submitting this information, a National Debt Relief sales representative will email or call you to schedule a free consultation by phone. At that time, you are given full details of National Debt Relief’s process and charges.

Qualification Requirements

  • Minimum Debt: $10,00
  • Able to make a monthly payment

Required Information

  • Amount of debt
  • State of residence
  • Monthly income
  • Age

**Additional information concerning creditors’ names, their contact information, and specific amounts owed is required upon signing an agreement with National Debt Relief to help you with debt consolidation, elimination, or confirmation.

Application Steps & Time Frames

It takes under 2 minutes to answer National Debt Relief’s initial online questions. National Debt Relief states they can help you become debt free in 24 – 48 months

State Availability

Available in all states

Privacy & Security

In terms of privacy and security, the company states that it is committed to protecting the personal information of its clients. They use a variety of security measures, such as encryption and secure servers, to protect sensitive information transmitted online. They also have strict policies in place to prevent unauthorized access to client data. Additionally, National Debt Relief is compliant with industry regulations, such as the Health Insurance Portability and Accountability Act (HIPAA) and the Gramm-Leach-Bliley Act (GLBA), which require companies to protect certain types of personal information. Overall, National Debt Relief takes the privacy and security of its clients’ information very seriously and takes multiple steps to ensure that it is protected.

Customer Support

National Debt Relief’s Customer Support representatives are available on weekdays and weekends. Their representatives (salespeople) seemed eager to help when we called.  

Phone Support
8am-midnight EST
10am-10pm EST

In Conclusion

National Debt Relief is a highly-rated company that provides debt relief services to individuals struggling to keep up with payments to their creditors. They are not a lender; they negotiate with creditors on their customer’s behalf. The company has a 4.8 / 5-star rating from Trustpilot based on over 31,000 reviews. National Debt Relief also has earned an A+ rating from the Better Business Bureau (BBB).


What kind of debts can National Debt Relief settle?
National Debt Relief helps with unsecured debts, such as credit card and medical debt, private student loans, personal loans, and repossessions.
How much does National Debt Relief charge?
National Debt Relief doesn’t charge a fee until you approve the settlement agreement they’ve negotiated on your behalf. When your debts are settled, you’ll pay 15% to 25% of the total debt enrolled.
How much debt do I need to get National Debt Relief to help me?
National Debt Relief helps people with $10,000 or more of unsecured debt.

National Debt Relief Disclaimer

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.


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Bob Phillips

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.