National Debt Relief

in Debt Settlement Companies from National Debt Relief LLC

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National Debt Relief


in Debt Settlement Companies from National Debt Relief LLC

Net Recommendation Score +100%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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% of Debt Fee 15% - 25%
Minimum Debt Owed $7,500

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.

Key Takeaways
  • 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.
National Debt Relief Pros & Cons
Pros Cons
  • Lower than average fees
  • No monthly consultancy fee
  • Low minimum debt
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Requires a minimum balance of $500 per account.
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 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?

National Debt Relief will only consider customers with unsecured debt of $7,500 or more. Customers with less than $7,500 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 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.

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  • Headquarters
  •   11 Broadway 16th floor
    New York, NY 10004
  •   Visit Site

Hours of Operation

Eastern Time
  • Sunday Closed
  • Monday 6:00am - 9:00pm
  • Tuesday 6:00am - 9:00pm
  • Wednesday 6:00am - 9:00pm
  • Thursday 6:00am - 9:00pm
  • Friday 6:00am - 9:00pm
  • Saturday 7:00am - 6:00pm

About 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 41 states in the US. Expanding nationwide would provide greater accessibility to families needing debt relief. There is a minimum qualified debt requirement of $7,500. 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 $1 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.


  Available in 41 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Washington, DC
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Wyoming

Feature Breakdown

Money Back Guarantee  
Monthly Fee $0
% of Debt Fee 15% - 25%
Debt Type
  • Unsecured Debt
  • Business Debt
Minimum Debt per Account $500
Minimum Debt Owed $7,500
Program Length 24 - 48
AFCC Member  
Contingency Model  
IAPDA Member  
In-House Servicing  

National Debt Relief Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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