National Debt Relief Review

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Why Go with National Debt Relief

National Debt Relief has BBB accreditation and a strong reputation in the industry and amongst users, with an average 4.8 rating on Trustpilot. The company’s professional team can provide useful advice on debt consolidation to those struggling with debt, as well as negotiating with creditors on their behalf. With no upfront fees, National Debt Relief could be a cost-effective way to tackle your financial issues. The company’s suggested timeline for completing your repayments is 24–48 months.

What’s Offered

• A team of negotiators to work with your creditors on your behalf
• An FDIC-insured account to pay savings into while you work towards debt repayment
• One monthly repayment rather than multiple commitments

Highlights

National Debt Relief offers a free initial debt analysis and quote by phone, giving you the chance to speak to someone about your financial issues and work out if the service is suitable for you. At the next stage, a debt specialist will review your credit history, and if eligible, you’ll speak to a professional team that will help you consolidate and negotiate your repayments.

The National Debt Relief program can help you repay what you owe in less time than it would take if you were just to make your minimum payments, making the process less stressful. Furthermore, National Debt Relief’s professional team can support you with budgeting and help you gain a broader view of your other financial obligations.

Once the team has negotiated with your creditors, your debts, fees, and charges can often be reduced. National Debt Relief’s reported debt reduction in 2019–2020 was between 25 and 66%. 

The service allows you to make a single monthly repayment into your dedicated escrow account, provided by National Debt Relief, from which you authorize repayments as necessary. This could reduce your monthly outgoings and make your repayments easier to manage.

• No upfront costs or cancellation fees—you can end the program if it’s not right for you
• Work with an experienced team of negotiators to reduce and plan your repayments
• Pay one monthly fee into a single account rather than juggling multiple commitments

Types of Debt Covered

National Debt Relief can work with most unsecured loans, including credit cards, personal loans, medical bills, collections/repossessions, business debts, and certain student debts. It cannot cover secured loans and some other forms of debt, including lawsuits, IRS debt or back taxes, utility bills, auto loans, government loans, or mortgage/home loans.

Site Security

National Debt Relief has a comprehensive privacy policy that confirms the company follows industry standards when handling your data. Personal information may be stored and could be shared with some third parties for the purposes of service provision.

Help & Support

Existing clients can reach National Debt Relief by toll-free phone or fax numbers from Monday–Friday, 8 am–12 am EST, or Saturday, 10 am–10 pm EST. The company also provides a mailing and email address for the service department. Unfortunately, our emails to both the Success and Service addresses received no response after several days. However, there are comprehensive resources on the website addressing many aspects of debt and money management. 

Phone: 1-88-626-2172

Address

180 Maiden Lane, 30th Floor, New York, NY 10038

Summary

National Debt Relief is a service that helps users reduce their level of debt and manage their repayments. The company’s professional team can negotiate on your behalf and the results (25–66% average reduction in 2019) are impressive. Although this service may not be for everyone—it’s only available in 42 states and for those with more than $7,500 of debt—it could be a good solution for those struggling to juggle multiple monthly repayments, especially since there are no upfront or cancellation fees. Although customer support may be slow to respond, there is plenty of information on the National Debt Relief site to help you navigate your situation. 

Methodology

This review was written using information from the National Debt Relief website and Trustpilot reviews.

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