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 41 states (and Washington, DC). Founded in 2008, it is a well-established company that has been in business for over 10 years.

• Low debt minimum. National Debt Relief stands out from the competition because it only requires clients to have a minimum balance of $7,500. Most firms require at least $10,000 of unsecured debt. On the other hand, it will only help settle individual accounts with a balance of at least $500 or more per account.
• AFCC and IAPDA accredited. National Debt Relief is a member of the American Fair Credit Council (AFCC), 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 firm. National Debt Relief has been in business for 13 years.
• Types of debt settled. National Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, payday loans, and certain types of student loans.
• Available in most states. National Debt Relief is available in 41 states.
• Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
• Customer service availability. National Debt Relief provides customer support seven days a week.

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 and personal loans.
• Business debt.

What does National Debt Relief charge?

National Debt Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

National Debt Relief charges fees that range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to National Debt Relief directly to determine an accurate quote.

Does National Debt Relief offer a guarantee?

Yes, National Debt Relief does advertise a money back guarantee. Money back guarantees in the debt settlement industry typically state you won't be charged any fees until your debts are settled. However, 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?

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 American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

• National Debt Relief is an accredited AFCC member.
• National Debt Relief is an IAPDA member.