This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which may impact the location and order in which brands (and/or their products) are presented, and may also impact the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time
» Find out more about the best debt consolidation loans for your situation.
The first step in addressing debt is recognizing that you may need help—and knowing that you're not alone. Thousands of people face similar challenges every day. If you're unsure whether debt relief is right for you, ask yourself: Are you only making minimum payments on your credit cards or loans? Are you living paycheck to paycheck? Have you felt so overwhelmed that you've considered drastic options like bankruptcy?
If any of this sounds familiar, and you’re at least $7,500 in debt, then NDR’s debt relief might be the solution you need. Here’s what you can expect from National Debt Relief:
Free consultation: Start with a no-obligation, free consultation where you’ll discuss your financial situation. During this session, you’ll learn about your debt relief options and receive a free savings estimate, clearly showing how quickly you could be debt-free. There are no upfront fees, and you can walk away if it’s not for you.
Personalized debt relief plan: After reviewing your options, you’ll approve and customize a debt relief plan from NDR's suite of solutions. This plan will be tailored to fit your financial needs and includes budgeting advice.
Monthly deposits: Once you sign the agreement, you’ll stop paying your creditors. Instead, you’ll begin making monthly deposits into a Dedicated Savings Account under your name and control. These deposits will include any applicable fees, so you won’t have to worry about unexpected costs.
Negotiation with creditors: As funds build up in your account, NDR will negotiate with your creditors to reduce the amount you owe. It will work to reach agreements on lower, more manageable balances on your behalf.
Payment of reduced balances: Once a settlement is reached, you’ll authorize NDR to use your Dedicated Savings Account funds to pay your creditors the agreed-upon, reduced amounts.
Accounts closed with zero balance: As each account is paid off, it should be reported back with a zero balance, signifying that the debt has been fully settled.
To qualify for National Debt Relief, you need to be able to prove that you’re going through a financial crisis so they have a legitimate argument when negotiating. Some acceptable reasons include:
Recent layoff or reduction in work hours
Separation or divorce
Death of a spouse
Unexpected medical or hospital bills
Student loans
Type of Debt | Description |
|---|---|
Major credit cards | Visa, MasterCard, Discover, American Express, etc. |
Department store cards | Including furniture store cards (e.g., Sears, Macy's, Gap, PayPal) |
Gas cards | Credit cards specifically for purchasing gas |
Bank loans from prior banks | Loans from banks you no longer use |
Installment loans | Loans repaid in regular installments |
Finance company debts | Debts owed to finance companies |
Unsecured personal loans | Loans not backed by collateral (e.g., American General, CitiFinancial) |
Repossession deficiency balances | Remaining balance after a repossession (current statement required) |
Business debts | Preferably for closed businesses, no secured ties to business accounts |
Bank overdraft fees | Must have a statement and be with a collection agency |
Cell phone debts | Only for accounts no longer active |
Credit union debts | Except for federal or military employee credit unions |
Veterinarian bills | Over $500 |
Abandoned timeshares | Current statements required |
Judgments | Six months or older, with documentation |
Back rent | For previous residences only |
Certain private student loans | Specific conditions may apply |
» Check this out if you want to know more about student loan debt relief.
Type of Debt | Description |
|---|---|
Mortgage loans | Loans used to purchase homes |
Auto loans | Loans used to purchase vehicles |
Child support | Court-ordered payments for child care |
Back taxes | Unpaid taxes owed to government |
Speeding tickets and fines | Traffic violations and other legal penalties |
Current cell phone bills | Active cell phone accounts |
Current back rent | For your current residence |
Recent litigation accounts | Less than six months old |
NSF checks | Checks written with insufficient funds |
Gambling debts | Some exceptions possible with pre-approval |
Recent large purchases or cash advances | Where only three to six payments have been made |
AAFES or STAR debts | Military-related debts |
Car repair bills | Bills for automotive repairs |
Rent-a-Center bills | Debts from rent-to-own businesses |
Warranty contracts | Agreements for product warranties |
Insurance policies | Any type of insurance-related debt |
Check cashing establishment debts | Debts from payday loan-type businesses |
Bail bonds | Debts related to posting bail |
Note: This list covers most debts that qualify or don't qualify for debt relief. If you're unsure about a specific debt, contact National Debt Relief directly for a personalized assessment.
You can trust National Debt Relief as a legitimate debt relief company. Since 2009, they've helped over 550,000 people resolve their debt. Their reputation speaks for itself:
4.7-star rating on Trustpilot from 40,000+ reviews
A+ rating and accreditation from the Better Business Bureau (BBB)
Accredited by the International Association of Professional Debt Arbitrators (IAPDA)
Member of the American Association for Debt Resolution (AADR)
National Debt Relief ensures all its Debt Arbitrators are certified by Arbitrain. The company also undergoes regular audits to maintain industry compliance. With established relationships with over 10,000 creditors, NDR has the experience to negotiate effectively on your behalf.
Yes, using National Debt Relief can affect your credit score, but this is true for any debt settlement plan. Since payment history makes up 35% of your FICO score, not making payments to your creditors will likely cause a decline in your score.
However, if you qualify for National Debt Relief, your current financial situation may already affect your credit score. Besides, while you're under debt review, you won’t be able to take out new credit anyway. The good news is that your credit score can recover once you’re debt-free and making regular payments again.
National Debt Relief takes your privacy seriously. It follows industry standards to safeguard your personal information both during transmission and after it's received. The company uses robust administrative, technical, and physical measures to protect against unauthorized access, use, or disclosure.
While NDR may share your information with third parties for service provision and prescreening, you can opt-out if you prefer not to disclose your nonpublic personal information.
You can reach customer support toll-free at 888-912-1662 or client services at 888-660-7427. Support hours are Monday through Friday, 8:00 AM to midnight EST, Saturday, 8:00 AM to 11:00 PM EST, and Sunday, 8:00 AM to 10:00 PM EST.
Additional contact options include email at success@nationaldebtrelief.com, fax, and mail to P.O. Box 2011, New York, NY 10272. The company's website also offers resources on debt and money management for self-help.
180 Maiden Lane, 30th Floor, New York, NY 10038
National Debt Relief stands out as a reputable and reliable option for those seeking to regain control of their finances. Since 2009, it has successfully helped over 550,000 clients reduce their debt, often by up to 30%, through personalized debt relief plans.
With strong industry credentials, including an A+ rating from the BBB, IAPDA accreditation, and membership in the AADR, National Debt Relief is a trustworthy partner in your journey toward financial freedom. While the process may impact your credit score initially, the potential for long-term relief and recovery is substantial.
In summary, National Debt Relief could be a viable option for those looking for the best debt settlement solutions. They are perfectly equipped to help you navigate your financial challenges and work toward a debt-free future.
