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National Debt Relief, LLC BBB Business Review

National Debt Relief Is The Nation's Top Rated Debt Consolidation Company

  • TopConsumerReviews - rated #1 for Debt Consolidation
  • TopTenReviews - rated #1 for Debt Consolidation
  • ConsumersAdvocate - rated #1 for Debt Consolidation
  • ConsumerAffairs - rated #1 for Debt Consolidation
  • 21,335 votes on ConsumerAffairs with a 4.80 out of 5.00 rating
  • 127 reviews on TrustPilot with a 9.8 out of 10 rating

National Debt Relief is proud to be reviewed and ranked as a top provider by these independent review websites. National Debt Relief does not compensate these reviewers to apply their objective criteria to our company and rank us compared to our peers. We do, however, advertise on their websites because we are proud of our independent rankings. We have confirmed that each independent review is subject to its own criteria and not influenced by our advertising.

Debt Consolidation FAQs

National Debt Relief is a legitimate, reputable company dedicated to helping clients address overwhelming debt. We're A+ rated by the BBB, and our team of debt arbitrators is certified through the IAPDA (International Association of Professional Debt Arbitrators). Furthermore, we have over 50,000 five-star reviews of the National Debt Relief program. For us to work effectively with creditors on behalf of clients, trust and professionalism are paramount. Therefore, if you're looking for a trusted partner to help you address your outstanding debts, National Debt Relief could be the right choice for you.

While you're participating in a debt relief program, you may decide to do things such as halt payments to lenders while the debt relief company negotiates on your behalf. In doing so, you can expect your credit rating to decline during the initial part of the debt relief process. You should view this decline as a temporary condition to be addressed as you move toward being free from debt. As your debts are paid off, your credit score should begin to rise. In fact, many of our clients find that their credit score has returned to the same rate if not higher, by the time they graduate. Once you graduate, you can also take additional steps to build your credit rating back up, such as paying bills on time, keeping your level of outstanding debt low, and using your credit cards and paying off the balances each month.

The National Debt Relief program is a service offered by National Debt Relief to help consumers get out of debt. We specialize in helping consumers who've become unable to continue making their monthly payments and are feeling overwhelmed by debt. In our program, a certified debt specialist will review your credit history and make sure you're eligible for our program. Then, our team will work with your creditors to reduce the overall amount of your debt. Once we work through all of your accounts, you'll have a clean slate and be back on the path to financial independence.

Our program may affect your credit initially, but many of our clients find that by the time they graduate, their credit scores have returned to the same rate if not higher as when they started. Keep in mind that the purpose of National Debt Relief's program is to help you to address out-of-control debt and become financially independent, which ultimately should help improve your credit. If you're already behind on your bills, your credit score is probably already being affected, in which case the effects of our program may not be as severe.

National Debt Relief can help you on the journey to becoming debt-free by providing you the expert advice and negotiating power that you need to get your creditors to agree to resolve your debts for less. Dealing with your debts will allow you to use your income to prepare for your future, instead of paying interest on past purchases. National Debt Relief empowers clients to get out of debt in less time than if they continued to make the minimum payments. More importantly, it allows them peace of mind while doing so.

Our team will work tirelessly to analyze your situation, negotiate the best terms possible with your creditors, and help you make a plan that lets you get control of your debts and start reducing them. While debt consolidation can be a challenging process, our team will be with you every step of the way to help you be as successful as possible.

While you're undergoing the debt settlement process, you'll likely see a temporary decrease in your credit rating. Depending on your credit rating before you began debt settlement, it may be difficult to obtain a mortgage for a time. If that's the case, you'll have to work to build your credit back up to qualify for a home loan. However, once you build your credit rating back up, you may be in an even better position to buy a house than you were before you began debt settlement. After all, you'll have fewer monthly debt payments to make, so you should be able to build up a heftier down payment for your home faster than you could've in the past.

Truthfully, just graduating from our debt settlement program should help to rebuild your credit score. While your credit score may decline initially while undergoing debt settlement, many of our clients find that by the time they graduate, their score has returned to the same rate if not higher than when they started. It's also important to remember that once your debt is paid off, it should be much more manageable to pay off your purchases without putting everything on credit. The fact that you're not delaying or missing payments should help to improve your credit score as well.

If you find yourself unable to pay your credit card debts due to matters such as a loss of income or unemployment, you have options. You may even qualify for debt settlement. In debt settlement, you work with your creditors to settle your debt for less, and your monthly payments are often much lower than they would be if you continued to just pay your minimums. Another option could be bankruptcy. However, bankruptcy can have serious financial repercussions that could last for many years to come. If you're interested in getting out of debt, you should consult with a financial advisor to determine the best option for you.

While participating in the National Debt Relief program, you may face an initial impact on your credit score. However, many of our clients find that by the time they graduate, their score has returned to the same rate if not higher than when they started. The important thing to focus on is that by participating in our program, you'll be actively getting rid of your debt. Furthermore, by the time you graduate, you should be able to get your credit rating to a higher level than it was before the debt settlement process, providing you don't let your debt levels creep back up, and you practice good personal finance habits.


See how thousands have handled their debt with National Debt Relief since 2008:

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Debt is hard to ignore. When you're staring down a ballooning credit card balance and fending off insistent phone calls from angry creditors, it can be an all-consuming enemy. You can't simply wish, smile or shrug it away.

What would you give to be free of the worry that comes with long-term debt?

When you enroll in our proven debt consolidation program, you may have to give less than you think. Nothing's free, of course, and our program does take some time and commitment to complete. We can't promise that you can enroll with us today and be debt-free tomorrow.

However, we can promise to do everything in our power to significantly reduce your existing burden of unsecured debts. We work tirelessly on behalf of every client who qualifies for our program, and the results that we've achieved speak for themselves.

National Debt Relief is a BBB-accredited, New York-based business with a host of awards and accolades.

We specialize in consolidating the balances on credit card debts, medical bills, repossessions, certain business debts and other unsecured obligations. We also work to ensure that your creditors don't harass you at your home or place of business.

We'll talk more about what we do - and what we've done to become a leader in our industry - in a moment. First, let's take a closer look at the nature of debt and some common options for fighting it.

Rising Prices, Falling Wages

These days, American consumers are struggling just to keep pace with rising prices for basic staples.

For many consumers, debt - from credit card bills and hospital financing to personal credit lines and business loans - offers an apparent escape from day-to-day financial pressures.

Recognizing that you need to do something about your debts is an important first step on your road to financial independence. Whether your credit problems have become a pressing emergency or you're merely looking to shore up your finances, you have several plausible options at your disposal.

Thinking About Squeaking By on the Minimum Payment Plan?
Think Again.

When it comes to paying off credit card debt, many consumers take the path of least resistance: the so-called "minimum payment plan." By law, credit card issuers are required to set a minimum monthly payment amount for each cardholder. These payments are calculated on the basis of the cardholder's total balance, interest rate and certain other factors.

Minimum monthly payments can be shockingly low. If you're carrying a balance of $10,000 on a single credit card, your monthly payment could be just $200 per month. Depending on your income, that could be perfectly manageable for you and your family.

Minimum Payment Example

Of course, credit card companies want something in return for not paying off your entire balance, and they get it in the form of sky-high interest rates.

Worse, these figures only apply to folks who stop using their credit cards. If you keep making charges, you'll find yourself even deeper in the hole.

Happily, consumer protection laws now require credit card issuers to disclose the precise length of time that the "minimum payment plan" takes to work for each customer. When you get your next credit card bill, look for the box that says something along the lines of "If you make only the minimum payment on this balance, you will pay a total of 'X' dollars and take 'Y' years to pay off your balance."

Those 'X' and 'Y' values might just shock you.

Looking for a Debt Consolidation Loan?

Debt consolidation loans are a well-known option for consumers who struggle with debt. For those who qualify, debt consolidation loans can get you out of debt even faster than alternative options – saving you even more money in interest.

Under this type of plan, it’s even more critical that consumers stay up to date with payments. It’s also important to remember that loans do not make debt disappear, they simply move the debt to another institution. This solution is helpful if you have multiple debts at multiple sources and if the interest rates on those accounts are high.

A debt consolidation loan would pull all those multiple accounts into one with one easier to manage interest rate – making the process of paying that money back more manageable.

Mulling Bankruptcy?

Declaring bankruptcy is advisable only as a last resort. While Chapter 13 bankruptcy can dramatically reduce your unsecured debt load, it can have plenty of undesirable consequences. Meanwhile, declaring Chapter 7 bankruptcy may mean saying goodbye to most of the assets that you've accumulated over the course of your life.

If you'd like to read more about bankruptcy, click here.

It's important to remember, however, that bankruptcy is a very public matter. Once you begin the process, it'll be a long time before you can hide the fact that it happened.

Declaring bankruptcy results in an immediate hit to your credit score. As you work through the process, you run the risk of losing important assets like your car, home, family heirlooms and more.

Over time, bankruptcy might come back to bite you in unexpected ways. If your employer requires you to carry a security clearance, there's a chance that it could be rescinded. If you're applying for a mortgage or rental property, your brush with insolvency could disqualify you from consideration.

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National Debt Relief: Debt Consolidation with a Difference

Our debt consolidation plans are available to anyone who qualifies.

When you come on-board, you'll be connected with an experienced team of negotiators who connect directly with each of your creditors.

We deal with your credit card companies, hospitals, banks and more so that you don't have to. During the entire process, you'll be protected from harassing phone calls, insistent emails, in-person visits and other high-pressure tactics that creditors and collections agencies use to force payment.

The ultimate goal of these negotiations is a single, lump-sum payment that resolves all included debts once and for all. Most of our cases can be taken care of in 24 to 48 months.

To help you save up for your eventual payoff, we offer an FDIC-insured trust account into which you may make monthly deposits. While no case is typical, we've consistently reduced our customers' total debt loads by as much as 50 percent.

You're only 30 seconds away from debt relief


What Debts Does Our Program Cover?

Our program covers the vast majority of unsecured debts. Many of our clients carry significant credit card balances, and we're particularly adept at negotiating with major credit card issuers and banks. We're also able to negotiate:

We're also able to negotiate:

We're not able to negotiate:

If you qualify, we may be able to lower your monthly credit card payments by a significant margin all the while getting you out of debt in approximately 24-48 months. We work hard to get you out of debt as quickly as possible.

Over time, the savings that we're able to secure could enable you to begin building up an emergency fund or adding to your existing retirement account. For many past clients, our program was a turning point. Before enrolling, they lived paycheck to paycheck and could still barely afford to make ends meet. After successfully completing our program, they finally had the means to prepare and save for the future.

What does National Debt Relief Cost?

First of all, National Debt Relief does not charge any upfront fees. There are no fees to get started. In fact, once a client is enrolled, National Debt Relief does not receive any fees until an account is successfully resolved.

Our fees vary by state and the amount of your debt (about 18-25% of your enrolled debt). Compared to the thousands of dollars in interest consumers pay on credit cards while struggling to pay them off, our clients can still expect to see an impressive amount of savings on each account.

National Debt Relief Awards, Recognition and Accreditation

At National Debt Relief, we think our results speak for themselves, but here are just a few of the awards we've received from trusted authorities in the field.

  • Top Ten Reviews' 2019 Gold Award for Best Overall Debt Relief Company
  • Top Consumer Reviews' Five-Star Rating for 2019
  • Top Consumer Reviews' Best Overall Debt Relief Company
  • 'A+' Rating from the Better Business Bureau
  • U.S. Chamber of Commerce Member
  • International Association of Professional Debt Arbitrators Platinum Member
  • American Fair Credit Council Accredited Member

We're also proud of what we can accomplish for individual consumers.

"The staff was understanding, not judging, and helped guide me through my options of becoming debt free. They helped me to understand my position and seek a remedy that would be long-lasting. I would recommend National Debt Relief to anyone who wants to take control of their financial situation."

Chelsey H. (Trust Pilot Review)

"I have been completely satisfied with my decision to contact National Debt Relief. I felt like there was no end to the tunnel of debt, but every representative I spoke to has been so great and understanding. I'm moving in the right direction now and am glad I made this choice. Thank you to all those at National Debt Relief for helping me."

Brianne M. (Trust Pilot Review)

Check out some more reviews!


Proven Results

You don't have to take our awards, accreditations or client testimonials at face value.

For example:

Remember, no case is typical.

That said, your success is our success. Since we don't charge monthly maintenance or setup fees, and since we collect our fee once an account is successfully resolved, our entire business model is built around your success.

Without a proven track record of success, we simply wouldn't be in business. We base our reputation on our ability to help consumers move past their debts and begin rebuilding their financial lives - not on our ability to enroll as many clients as possible or charge unnecessary fees.

Qualification Standards

We work with clients who have at least $7,500 in qualifying debts. Remember, the vast majority of unsecured debts, including credit card bills, qualify for debt consolidation. Most secured debts, including auto loans and mortgages, don't qualify.

If you have less than $7,500 in qualifying debts or are facing a debt load that's largely made up of secured debts, we'll happily refer you to an organization that can help.

If you've already fallen behind on your monthly payments or can no longer afford your minimum payments, we want to talk to you. If you can't see any way to improve your financial situation without taking a drastic step like declaring bankruptcy, we may be able to help. What's more, we have years of experience with clients who face exacerbating circumstances like divorce, death in the family, unemployment, long-term medical issues and other problems.

You're only 30 seconds away from debt relief


National Debt Relief. We're Here For You

No matter what's going on in your financial life, National Debt Relief is here to help.

Please take some time to look through our site and learn more about what we do, where we've been and where we're going. You'll hear from many satisfied clients and learn more than you ever thought possible about credit card debt, personal finance and the debt consolidation process itself.

If our proven debt relief program seems like a good fit, give us a call at 800-300-9550 during our extended business hours or fill out the free, no-obligation debt relief quote form on this page. Our Certified Debt Relief Specialists look forward to speaking with you.


or talk to one of our debt experts


Apply for the National Debt Relief Scholarship


For 2019, National Debt Relief is offering a scholarship for students interested in STEM (science, technology, engineering, and math) majors.

About the scholarship

National Debt Relief will award 5 scholarships of $1,000 each to outstanding college students pursuing studies in STEM (science, technology, engineering, and math) fields.

Congratulations to the 2015 winners: 1. Wyatt P. in Missouri 2. David M. in Georgia 3. Sara L. in Texas 4. Andreas R. in Maryland 5. Oxana H. in South Carolina

Congratulations to the 2016-2017 winners: 1. Jaden R. in Washington D.C. 2. George M. in California 3. Lauren C. in Texas 4. Emily W. in Texas 5. Sofia R. in Texas

Congratulations to the 2017-2018 winners: 1. Notorious S. in GA 2. Marcus E. in VA 3. Michael N. in CA 4. Lindsey W. in MI 5. Sery J. in MN 6. Samantha D. in WI 7. Elyana G. in PA 8. Haylie T. in VA 9. Kerlande S. in FL 10. Neha N. in OR.

Congratulations to the 2018 winners: 1. Mckennah P. 2. LaTosha W. 3. Haleigh I. 4. Emily O. 5. John T.

What's behind this scholarship?

The NEA says "If the United States is to hold a competitive edge in a rapidly changing global workforce, bolstering the nation's science, technology, engineering and math (STEM) workforce is essential."

National Debt Relief supports this effort and wants to encourage students to pursue careers in these fields to bolster our future economic prosperity.


  1. The applicants must be enrolled in an accredited 4-year university or college located in United States.
  2. Graduate and undergraduate students can apply
  3. Graduating high school seniors with a GPA of 3.0 or above are also eligible to apply for the scholarship.
  4. Applicants must be pursuing or intending to pursue their bachelor's degree which can be in the fields of STEM (science, technology, engineering, and math).

How to Apply

Provide a unique solution to the following issue:

Come up with a unique way to solve the $1+ trillion dollar student loan crisis

You can be creative and create a YouTube video, write an essay or create an infographic for your solution.

Include a cover letter. Be sure to include your name, your college, college year, graduating year and intended major. In your cover letter, explain how you plan to use the scholarship and why we should select your application. For video submissions, include a link to your video in your cover letter.

To apply, submit your scholarship application to To be considered for one of the (5) 2018 awards, entries must be received no later than December 31st, 2019.


After submitting your application, there will be an automated confirmation message acknowledging receipt of your email. The winner will be contacted directly via email or by phone provided on the scholarship application. The winners will be notified on Monday, January 20th, 2020.