Last Updated: 07/10/2025
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Highlights
Minimum Debt Owed
$10,000
Settlement Fee %
15% - 25%(Verified 02/14/2025)
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Monthly Service Fee
$0(Verified 02/14/2025)
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National Debt Relief Review
National Debt Relief is a debt settlement company based in New York, NY. It offers debt relief services to borrowers in 47 states (and Washington, DC). Founded in 2009, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Minimum debt balance of $10,000. National Debt Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
- ACDR and IAPDA accredited. National Debt Relief is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
- Well-established company. National Debt Relief has been in business for 17 years.
- Multipe types of debt settled. National Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, and certain types of student loans.
- Available in most states. National Debt Relief is available in 47 states, and Washington, DC.
National Debt Relief Pros & Cons
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National Debt Relief FAQ
What does National Debt Relief do?
National Debt Relief offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
What does National Debt Relief charge?
National Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, National Debt Relief only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.
National Debt Relief settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with National Debt Relief for an accurate quote.
Does National Debt Relief offer a guarantee?
Yes, National Debt Relief does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with National Debt Relief LLC for more details on their guarantee.
What is the minimum debt National Debt Relief will consider?
National Debt Relief is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does National Debt Relief perform its own servicing in-house?
Yes, National Debt Relief employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does National Debt Relief have?
The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- National Debt Relief is an accredited ACDR member.
- National Debt Relief is an IAPDA member.
Is National Debt Relief LLC a legit company?
National Debt Relief LLC was founded in 2009, it is a well-established company that has been in business for 17 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from National Debt Relief
Message from our editor
What We Love About National Debt Relief
National Debt Relief offers a path to financial stability for those who are struggling with debt and want to avoid bankruptcy. Unlike many debt-settlement companies, National Debt relief has you deposit funds in an escrow account, which they then use to negotiate settlements with your creditors based on escrow available.
What Could National Debt Relief Do Better?
Currently, National Debt Relief is only available in 43 states in the US. Expanding nationwide would provide greater accessibility to families needing debt relief. There is a minimum qualified debt requirement of $10,000. The cost to enroll in the program averages 20% of your enrolled debt. While you are building your escrow account, you are not paying creditors. Therefore fees and interest accrue, and your credit score will go down.
National Debt Relief’s Backstory
National Debt Relief was founded in 2009. Headquartered in New York City, National Debt Relief has resolved over $5 billion dollars in unsecured debt allowing over 100,000 American families to become debt-free.
The Verdict
If you can pay the escrow account, you may have the ability to speak with your creditors and make special arrangements to bring your accounts current. If you decide to utilize National Debt Relief or any similar debt relief firms, make sure you understand the short and long-term costs. These services are not cheap. However, the average 20% cost to negotiate your debts may be offset by the savings achieved in the negotiation process.
Contact
Headquarters
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
8:00AM - 11:59PM
Tuesday
8:00AM - 11:59PM
Wednesday
8:00AM - 11:59PM
Thursday
8:00AM - 11:59PM
Friday
8:00AM - 11:59PM
Saturday
10:00AM - 8:00PM