National Debt Relief is one of the best-known debt settlement companies in the United States. In this review we look at how its program works, what it costs, and who it is — and is not — a good fit for.
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What is National Debt Relief?
National Debt Relief is a debt settlement company that negotiates with creditors to reduce the total amount you owe on unsecured debts such as credit cards, personal loans, and medical bills. It does not lend money or consolidate debt into a new loan — instead, it aims to settle your existing balances for less than the full amount.
How the program works
- You complete a free consultation and, if it is a fit, enroll your eligible unsecured debts.
- Instead of paying creditors directly, you deposit a set amount into a dedicated account each month.
- National Debt Relief negotiates settlements as funds accumulate.
- The program typically runs 24 to 48 months depending on your debt and how much you can save each month.
Fees
Like most reputable settlement firms, National Debt Relief charges a performance-based fee — generally in the range of 15%–25% of the enrolled debt — and only after a debt is actually settled. There are no upfront fees. Exact pricing depends on your state and your situation.
Pros
- Long track record and one of the largest providers in the industry.
- No upfront fees — you pay only after a settlement is reached.
- Free, no-obligation consultation.
- Focuses on unsecured debt, which is where settlement is most effective.
Cons
- Settlement can lower your credit score during the program.
- Creditors may continue collection efforts while you are enrolled.
- Forgiven debt may be taxable.
- Not available in every state, and not suitable for secured debts like mortgages or auto loans.
Who it is best for
National Debt Relief tends to fit consumers who have roughly $7,500 or more in unsecured debt, are struggling to keep up with payments, and want an established company to negotiate on their behalf. If you can still comfortably make your payments, a lower-risk option like consolidation or credit counseling may serve you better.
Is National Debt Relief legit?
Yes — it is an established, well-known debt settlement company that has helped many consumers resolve unsecured debt. “Legit,” however, does not mean “right for everyone.” Debt settlement carries real trade-offs, so make sure you understand them before enrolling.
Check your eligibility with National Debt Relief →
See how it compares in our best debt relief companies guide. DebtVerdict is an independent resource, not a debt relief provider or financial advisor.
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