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PROS: High reduction, low fees, transparent processes, great online resources.
CONS: No chat facility on website, must call or e-mail to contact advisors.


National Debt Relief is one of our leading choices for settlement services. If you feel like you have too much unsecured debt to pay back, using a settlement service can greatly reduce the stress in your life. This settlement company allows you to deposit money into a settlement account which is then used to pay your settlement off in a lump-sum. Because of their transparency and low-fee structure, this company is one of the best in the industry!


National Debt Relief has been able to provide clients with relatively consistent debt relief figures. Most customers are able to get about half of their debt removed from their outstanding balance. Depending on the particular contract, National Debt Relief charges up to 25 percent of the total outstanding debt for their services. This means that you get around 25-30 percent of your debt relieved on average. One of the major upsides of using National Debt relief is that they don’t charge you any hidden fees during the process. You only have to pay for results, and it is therefore considered a risk-free way of approaching debt relief.

The term for settlement varies depending on your particular situation. Most clients usually settle their debt within 2-4 years of beginning the program. While competitors may advertise quicker turnaround times, this target timeframe is one of the more realistic figures.

Though you can withdraw money from your settlement account at any time, it is advised that you do not tamper with your funds. This being said, it is nice that the settlement company allows you full control over your settlement cash.

One of the major benefits of using National Debt Relief is their transparency when it comes to costs and fees. There are no hidden charges, and you are made fully aware of the associated fees you are responsible for if settlement is successful. Many companies in the industry attempt to make a quick sale and stack on fees later, with National Debt Relief you will luckily be able to avoid this. In addition, they don’t make outlandish promises that raise your expectations to unachievable heights.

Eligibility and Process

There are a few basic requirements you must meet if you want to work with National Debt Relief. Firstly, you must have at least $7,500 in unsecured debt that you are attempting to reduce. This can come in the form of any unsecured debt, including credit cards, medical bills, and private student loans.

Once you meet these requirements, you will be asked to have an online consultation to delve further into your particular financial situation. If everything is approved, the settlement process will begin straight away. You will be given a settlement account in which you deposit funds for the settlement of your debt. You have full control over the money in the account, and also receive interest on the cash you deposit. This money will eventually be transferred to creditors when an agreement is met.

Prospective customers should be aware that using a debt settlement company in no way removes your responsibility for your debt. You may still be accruing interest and penalty fees if you are currently not servicing the money that you owe. Also, lenders do not have to accept any money at all if they do not want to, so do not assume that the process will definitely work.

Customer Satisfaction

National Debt Relief has a great reputation for customer satisfaction and experience. They have some awesome resources on their site that can help you take back control of your financial situation. They also provide clear and concise descriptions of every stage of the settlement process, which ensures you are fully aware of your responsibilities. If you need to speak to someone you can do so via e-mail or phone. This service does not have live chat like many other settlement companies do.

Another great aspect of the customer experience National Debt Relief offer is your personal settlement advisor. You are assigned an advisor that is responsible for your case from start to finish. You won’t have to explain your personal situation every time you pick up the phone.

Company Information and Certification

National Debt Relief is accredited by two major organizations. These include the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council (AFCC). Neither of these organizations are government agencies, but they do ensure that debt relief companies adhere to industry standards.


National Debt Relief is a great company to choose if you’re looking for a company that is both reliable and transparent. They are upfront about all of their costs, and provide realistic timeframes for their customers. Their website is also a great resource – make sure to check it out if you’re interested in learning more about the settlement process.