National Debt Relief Review

Let's be honest any one willing to go the extra mile to help us get out of the debt we created is pretty awesome. You definitely have to wait a while to see results but they will slowly come in . The only problem that I ever encountered is lact of compassion and knowledge with the phone repersetives. Dont get me wrong I'm sure everyone has there good and bad days . But if you have the extra funds to tackle your debt I recommend them .

Well it started off like it was going to help but then they wanted more money and the fees ware crazy. Is this better then bankrupt? yes. BUT is this a good program ? Not really. They dont tell you about all these fees before you sign up. 990.00 month is a lot and to be asking for more is not very reasonable. Granted I'm almost done with program and had a good amount of debt but some of the settlements are not that good. I realized later on I prob could have negotiated better. What's weird is they got a settlement on one account fast and others took long time and still waiting on one. Plus they tell you 24 to 30 months now its turning into longer.

They work hard and work 100% with you. I'm not finished yet, but I'm very happy so far.

National debt relief is the best option so bankruptcy doesn't happen the people are nice and helpful and they make arrangements with my credit card companies at the lowest interest or interest free to pay off my debt .

I had over $25K in debt, and felt like the only option was to file bankruptcy or debt consolidation. I chose to go the lesser for the two evils, however, I learned that I wasted my time and money going the debt settlement route.
First, as many have mentioned in other reviews, National Debt Relief makes money off of you, so they make sure they are paid first! I saw a $450 withdrawal taken out of my NDR account, thinking it was going to pay a debt, however, I found out it was the NDR "fee" for settling the debt with my credit card. Not only do they collect a "fee", but also a monthly fee. Yes, they settle for about 1/2 of what you owe, but they put back about 25% more.
Second, YOU CAN SETTLE DEBTS YOURSELF! All they do is wait for your debt to go into serious delinquency, and then they settle for a lesser amount. What many do not know, is that you can do that yourself. Talk to your creditor. Trust me, they will settle for the same amount. No need in wasting money.
Third, I had somewhat decent credit at the time I was in serious debt, so I though filing for bankruptcy would destroy my credit score. Little did I know that my credit was destroyed anyways going the debt consolidation route. What NDR does is make the creditors wait until you are 90 days deliquent, and often send your account to collections. Only then do they attempt to settle with the the creditor. Well, when you have 5-10 credit accounts, and all of them go 90 days delinquent, your credit drops like a rock. I had decent score before, and now I am in the basement. I should have saved time and money and just filed bankruptcy.

I have no word to describe the amazing and incredible way National Debt staff and all of the people that worked with me to help me in my journey to better my credit and all I owed to creditors .So I am very thankful for all the help National Debt Relief has done for me.

Like anyone I had my doubts, I did my research on them and saw great reviews. So I decided to call and find out even more and I was hearing things I wanted to hear so I went for it. After a couple of months the 1st creditors got settled then so on. Absolutely great customer service as well. Definitely recommend them!

I was drowning in debt and National Debt Relief was a godsend. Within the first 2 months of enrolling into the program, a settlement has been reached with one of my creditors. I would highly recommend this program to anyone who feels overwhelmed by the amount of debt they have.
Also their customer service is amazing. They are efficient and professional. It's a pleasure calling their customer service department because I know my call will be taken by a knowledgeable professional.
Can't say enough good things about them.

So far it's been a great experience for me personally! I have recommended them to others who need assistance

Customer Support is very helpful by answering questions clearly and asking if there are any other ways that they can help.

OkI was broke until I called it relief now I'm still broke but I was broke Ur before I called it relief so is thumbs up for debt relief for me thank you

so great! Took a huge load off my brain to know it was being handled well and quickly.

The representatives were very helpful and answered my questions in a timely and informative manner. I no longer feel as stressful as I have been in the past.

So far my experience with the National Debt Relief program has been very positive. I was nervous to try a debt relief program but so happy I did. I enrolled into the program Feb 2017 and they have settled my biggest accounts already along with others! I would recommend. It doesn't clear out the missed payments and etc on your credit report, BUT in time it will work out. Short term it is a relief and able to find some normalcy along with peace again. And long term those debts will be settled! Good Luck!

They've been really understanding and helpful while we've been working through our financial issues.

Great service ! Answered any question I have!! I feel very safe, relieved and confident with this company! Relief is a great word to have in the name!!!

Great to have DR working behind the curtain to get the best possible deal and be able to move on. Kudos

I called back in November to get my debt cleared up and paid 100% in full and made arrangements with the rep (even increased my final payment to cover the extra fees) and it was all cleared and completed at 100%. They never closed my account and today withdrew fees from my bank without any prior notice. Called to get this cleared up and was informed the Rep I spoke with had an oversight and I owed more money. They didn't even work with me on it, reverse the payment, ect.- I just had to take a loss today that I was never even informed I owed! Customer service is a joke.

Update/ Called the 1-800 listed in the reply: I attempted to call and the Rep stated they can not reverse the unauthorized charge and that if it clears then my account will then be "settled". I don't understand this new charge you are claiming I owe and I do not understand why I was never notified of the additional fee after my account was zeroed out back in 11/2020. Also, if I did owe a fee why was I never reached out to about the fee and how can you just go in two months later and request $181.00 from my bank account without my permission? I would appreciate a call from someone who can actually listen to and address my concern with the way you screwed me over today.

Though I'm still in the process of resolving my debts, I am completely satisfied with them so far.

So far National Debt Relief has been a life saver. The thought of being debt free in 3 years is a giant sress reliever.

After only 4 months of being enrolled in the program I have started to settle with one of my highest debts enrolled in the program. Each time I have called they have answered my questions in detail and I am very happy with this company!

There s all the review fake this cheating company last two years I make payment done nothing pay my credit card all the cheating take money when I called them they said this their commission $21,000 I paying and they said they did have their commission I am not recommend anybody to lose money like me and this is honest I tell you guys I never give review before

Great idea. They seem very confident of the process.
But it seems to be taking a long time. I am not sure that all of the creditors agreed upon have been contacted...

I appreciate your program. U just dont know what can happen. Lost my Mom to Alzheimer's and my daughter and grandson moved out.
So 2 people that were each paying 1/3 .Now I have to handle it all.
I called and you r helping me thank u. Debbie

They helped resolved all my dept issues and boost my credit score.

Still a long way to go.... Maybe in a year from now this could go 5 star

I am very pleased with the service National Debt Relief has provided since enrolling in their program.

I couldn't have made it through paying my credit card bills on my own. The counselor made it super easy to start this program. I wish I had done it sooner than I had.

This was a very dignified experience. I am happy to know in a year I will be debt free!!

I am happy they did dine help out for me. They did it great!!!!

Easy to work with and settled my debt with no issues. Great job would recommend them to anyone with debt that never seems to go away.

Big sigh of relief! I didn't know what I was going to do to pay my bills. NDR was my answer! I can breathe again. Thank you NDR!

good company works very hard to get your debts settled in a manner that is good for both you and the company you owe money too! Like working with them very much!

I highly recommend National Debit Relief to everyone. They provide the services they agreed upon and is getting me on my way to becoming debt free in less time than I expected.Their representatives are always pleasant, patient and very helpful. I always get off the phone feeling satisfied with the services. Thank you National Debt!

I have been with the program 13 months. Trust me I LOVE IT. They have paid off - so far 4 credit cards pus 3 more will be paid off by December.

high pressured to sign up - contract not explained as docs, were sent all on same day requesting signature and return same day - fees , while i have since had time to look at contract were stated, were not stated by representative I worked with initially. I would recommend filing bankruptcy than this route. Both take a hit on your credit rating.

National debt relief has worked hard to give me piece of mind as I recover financial freedom after my divorce. They have been with me every step of the way and I am now on the road to healthy finances!

Rating would have been higher but in the last week or so I didn't know that they hadn't settled account with a creditor and the Creditor is suing me when I contacted national debt relief they then told me I had to pay $200 to have their lawyers at the case they eventually came to some kind of conclusion but I still have to report to court file a contingency it would have just been really nice if they would have notified me that's a creditor wasn't willing to work with them because it was embarrassing to have the Sheriff's Department show up at my house to serve me with a warrant to go to Court if I would have known that they had not reached a settlement I would have continued to pay my monthly fee for my credit card and I was instructed to not make any more payments because national debt relief was going to handle everything that's my only complaint it was a little embarrassing

They! Do take care of business. Very happy with the outcome.

These 5-star reviews are paid for! I have not enrolled into thier absurd program and I advise you all not to either. They are misleading and don t explain the whole process as it is. If you want to get sent collections and have all of your credit cards in delinquency this program suits you. Consolidate through a loan and not this program. You can t buy good credit so why ruin something that will take a decade to fix. He told me on the phone that all of my bills will not get paid for the next 4 months but they will continue to collect high payments and increase it over time along with adding fees.. These good reviews are fake, please don t compromise credit for the sake of a little money..

National Debt is legit. I was concerned about when I would start seeing some progress, they assure me 4-6 months and I started seeing progress in exactly 4 months. I would refer National Debt to anyone

I just enrolled today so far they are great I will update if I have any hiccups I spoke with Steven who answered my questions thoughly. After reading reviews and for future clients here is the one question I had that was answered very well. I have 3 active ccs all below 500 dollars therefore they were allowed to be exclued however if you have active ccs above 500 they may not be able to exclude as when they contact the companies they will see that and question why are they able to pay this and not us therefore they just lump it up. They are able to exclude an auto loan for example so long as you still own the car if you don't they will include hope this may clear things up. I would recommend as they came highly recommended by a co-worker

They don't work with Credit Unions or Discover Card accounts - so much for the help. They sent me to another company who "should" be able to help. Not happy. If you claim to be good - list the things you can do for me and what you can't. Couldn't help me with anything.

I was really nervous about doing this, but I spoke to a representative named Victor who explained everything so clearly. I really felt confident in making the decision of becoming a member and of course debt free.You don't have to be stressed out making minimum monthly payments. Yeah, your credit score is going to go down for the mean time; however it will get better every time you settle an account, and start working on your credit again debt free. Give them a call and ask all the questions you need to know in order to determine your decision. You won't be disappointed. You can also split the monthly payment into two. I pay $151 biweekly. I'll be making these payments a little over 2 years and then I'll be DEBT FREE. Also you can monitor every penny and know exclacly were the payments are going to. Everything is transparent.

Excellent company! Over 2 years with them and we are close to paying off all our debt with good settlements made by NDR. Easy payment schedule and pay off schedule

I was in the process of bankruptcy, but I was struggling with the decision. Iwas such a blessing that I came across this company. So far I ve only just started, but I felt very comfortable with my representative. He was kind and encouraging (Kester Harding) and made me feel like finally, someone is on my side and willing to help me. If things continue to go this well, I will recommend them to as many people as I can

This was a great decision I m closer to being debt free

Did great job, settled my debt better than I expected

IF I could give 0 stars I would. I thank God that I didn't go through what most of these reviews are stating! All it took for me was a phone call. I submitted my info online and a Johnathan called me. He was very pleasant at first until he didn't feel that he could help me! Then he got rude and ignorant very fast. I told him that Im an authorized user on my parents credit cards and he cut me off and said that he will need to work with my parents then and begged me for their social security numbers!!! When I said I was not giving him that info he laughed at me . Then he laughed at my credit situation because I guess I didnt have enough debt for him to capitalize off. He was so rude! I asked if I can speak to someone else and he hang the phone up on me! I called back and got another rep who I tried to explain what happened to. He pretty much didnt seem suprised, gave a fake apology and said "well moving on"... Do not deal with these idiots!!!!

Love it, they are now helping me to resolve my debt situation.. Hopefully it goes as plan.. In the future i'll share more experience..

I had such anxiety about my debt, and even more anxiety about watching my bills go unpaid for the five months before NDR was able to negotiate. I'm glad I was patient. They have negotiated serval accounts for me thus far, and I feel much more at ease.

I have been with NDR for almost a year now and so far have been completely satisfied and have had a few debts resolved.

My experience with National Debt Relief was very professional, transparent, and their customer service team was very knowledgeable and accessible. Financial Freedom is more of a reality to me now.

National Debt Relief is a God-sent company helping my family out of the financial burden. I was reluctant at first, but after only 4 months they have settled one of my accounts. I can't express the feeling, it's like something heavy was lifted off my chest. Their plan works well and it fits my needs, thanks to their great customer service team I am on my way to financial freedom.

So far I have an agreement with one creditor and I am looking forward to more agreements. I'm looking forward to getting out of debt as soon as possible with NDR I can do it. They have a great staff working for our interests. Thank you NDR.

This place is a rip off took almost 4000 dollar and all they pay was and only paid 1,700 hundred on debt when I call to cancelled and return cash back they said they couldn t return because supposedly paid other account I the account and they got nothing looking for lawyers to place a lawsuits against this this theif

I have been with National Debt Relief less than a year and they have negotiated over $10,000 in debt so far. I am happy that I chose this company. It has kept me out of bankruptcy court, and has tremendously helped me to reduce credit card debt with high interest. Thank you NDR.

Extremely effective program. They literally settled 75 percent of my debt in 5 months!!!!!! I'd give them 6 stars if I could

So pleased, I have been in the program for approximately 2 years and they have done all they promised. They are knowledgeable, kind, courteous, and keep me informed and up to date on everything. Thank you NDR

This company quite literally took 95% of my aunt s the money that she deposited for themselves.

Their own site shows a zero balance and ALL debt paid. Yet she has been paying them for over 4 years... She is retired and only has social security income. These crooks are pure predators.

This is a CLEAR example of bait and switch and I've referred the matter to my State Attorney General's Office. I'm also in the process of reporting it to the Consumer Protection Bureau.

I do NOT recommend this company to anyone. Reach out to one of the various Credit Counseling Non-Profits or work directly with your creditors.

I made some bad decisions after losing my son to suicide a little over 3 years ago. To relieve my pain I created a lot of debt. When I realized what I had done I was under water. I felt hopeless in my efforts to resolve my debt and improve my credit score. Even though I was paying things on time the debt wasn t going anywhere. Just couldn t seem to find a way out of my dilemma until I saw an ad for the program made a phone call and the response was exactly what I had been looking and praying for. Everything was fully explained in a professional and positive manner. As I progressed in the process following the suggestions I began to see exactly how it works. My debts were being negotiated no more harassing phone calls or fear of never getting out of debt. I see light at the end of the tunnel thanks to the program. Debts are paid and my credit score is improving it s not done yet. I am a success in less than 2 years and truly grateful. Oh I encouraged my daughter too! And now I m encouraging you. It works!

Literally such a great program! At first it seems to good to be true but they really work with you to pay off your debt, they are so knowledgable any question you have their there for you! Love National Debt Relief!

In the beginning the first few credit cards that I had resolved. It went very well but as of late the last couple credit cards that I received offers on, I have accepted the offer and then 6-9 months later I get another message with an offer about the same credit card and I find out that 9 months ago when I accepted it they got rejected by the Creditor. This last time with the last two credit cards I received to offer same-day accepted them both come back I received two more offers same credit card I accepted him again at that point they said I didn't owe any additional money. Then I wait and I received one of the credit cards back same exact offer same exact duration 12 months and then I'm told I owe money when I already made an additional payment since the last phone call. It is just frustrating when you accept an offer and then it's renegotiated again and again and then you're told last second additional money is owed you need to pay this amount for this to be accepted.

National Debt Relief has been doing a fantastic job so far. They are easy to work with and we are seeing great results. We are very happy to be taking care of our debt with them.

Words can't describe all National Debt Relief did for me. It works and they're the best out there. Period

Excellent resource to fix or pay all your debt .They care about us.

I joying just few month ago and already they wiped out 2 of my credit cards, I extremely happy with the whole process, they answer all my questions very clearly and the on line portal its supper easy to understand. Thank God i found them.

I am 74 and due to a variety of life experiences, was deeply in debt. I contacted national Debt Resources and they offered solutions that I could manage. Today one of my debts was resolved. I am so happy and relieved. Thank you .

This has been a wonderful company to work with in our time of need....I am not giving 5 stars because the enormous amount of paperwork....

Everyone are very helpful answers all questions recommend it to all my friends

There would be no help for us without National Debt Relief. Both my husband and I were very suddenly disabled and our regular income slashed drastically. National Debt Relief took our situation and guided us to an answer that set our stress levels free from harming our health issues further. We highly recommended you letting them help you through your debt crises. I see the light at the end of the tunnel and it's not the DEBT TRAIN plowing me down.

I was contacted with a settlement offer. The person on the phone was polite and informative. I was asked if I understood the payment schedule and if I approved it. It was quick but completely informative.

Actually, I do recommend it, they helped me a lot thanks a lot National Debt Relief, and to each one of his workers thank you very much.

Very Happy Customer!!!! NDR has quickly resolved a lot of my debt by communicating with all my creditors....Totally satisfied!!!

Terrible .. I was just checking on my account and notice that it's been about 1 year and 4 months with them. I paid about $10k in funds and they only paid off one account of $3231.. Other 2 accounts are still at Resolved "payment pending" when those 2 accounts can add up to $10k in funds to pay off. So where is the rest of the money going to ? Not sure , I still have 8 accounts that are not resolved yet. Paying about $810 a month for them to basically take my money. I would recommend you guys to stay away from this company. The customer service rep is terrible also.. Constantly putting me on hold for 5-10 mins and her attitude sounds like she does want to be working. It was my fault that I did not see the 21% fee that they take on top of the original balance I owe. But now I know after 1 year and 4 months with them.

PLEASE READ! When me and my wife were talking to NDR about enrolling, they explained our debt and what we need to do and also what they would do to fix it. Also at the time of enrollment, they told us how much we would pay per month. We asked over and over if that monthly amount we pay will change or if it will remain the same. They said it will stay the same. Few months later they start calling saying that they found a resolution with a creditor, that we would need to approve it. Then he says that we would have to pay (For example) an extra $100 per month for the next 3 months or so (on top of what we already pay). We agreed even though we were told our monthly amount would remain the same. This happens quite a few more times until I was getting fed-up with this. We called them up and told them about our concern, and they said they never told us our payments would stay the same. RED FLAG!

The next thing I noticed was their fees. They would never give us a fixed amount based on the amount of debt for each creditor. I noticed this pretty late. I went online to my account with them and looked up all of the resolved ones. The settlement amount looks like they negotiated pretty well on most of them, but when you add the fees they charge to the settled amount, you will see that it adds up to an amount maybe a couple hundred dollars less than the original debt you had for that particular creditor. And this was the same for all of the creditors I have. RED FLAG!!

I am almost done with my debt through them which is why I will be with them until it is clear. But I will not make the mistake of using them again or even recommending them to anyone I know or don't know. I made the mistake of putting myself into this position by maxing my cards out and they took advantage of my bad situation to leech off of my hard earned money. They could at least have the decency to make a draft for customers to let them acknowledge how much they would make us pay in fees. I wouldn't mind paying if I was informed, but now I feel deceived. Please don't take their kindness as a sign that they really want to help you, they are just doing their job to reel in people who are in trouble with their debt just so that they can abuse you to their own advantage.

I would advise anyone who is using them to look up the fees they are charging you and to add it to the settlement amount they posted and see how much less you are actually paying. Once you pull up the list of the creditors with the credit amount and the amount they settled for, you will see a little arrow right next to the creditor's name. Click that and it will show you how much you paid them per month and the fees will be on the tab next to it. Take care and be safe all!

I didn't think things would progress as quickly but very glad they have. My first settlement was processed within 2 mos of me filing....great job, may all the others come as quick.

3 months and our 1st debt was settled! Amazing and so worth it in the end.

Customer service is top notch!! Very patient and knowledgeable...my debts are being negotiated, paid as scheduled and paid off. I m excited to see this process to the end

Has helped me so much. Resolved 3 credit matters for me so far with ease. Thank you for all your help.

Staff is very friendly and helpful. The whole process is very less stressful than trying to resolve on my own.

So far they were able to get me settlements for at least 50% off of my balance.

The customer service is great and a couple of the negotiations are done! It only took a few months, so I am very glad I enrolled in the program when I did!!

National debt relief has taken care of my debts and I am very pleased with them.

Extremely helpful and have helped relieve my mind and part of debt so far. Easy to reach and very nice and able to answer questions

Very helpful and Pleasant personnel. One bill down a few more to go and I'll be debt-free again. Five stars all the way across...

So far I'm very pleased. They have resolved a debt of mine in less than 2 months. I hope they keep up the good work. Then I will finally be debt free!!!!

Started working with them about 10 months ago and the service has been excellent, they help you thru the whole process of consolidating as well as really explaining your options. So far is been great working with them!

I am pleased with the services of National Debt Relief. In only two months I have sarge percent of one debt forgiven. Good work!

DO NOT use their services...they have no problem taking your money but are very slow to settle with your creditors...if at all.

Diana was very helpful and was so patient and kind helping us through the process. We appreciate everything you are going to do for me to be debt free. Thank you. Zelda Allen

Very happy so far with settlements. Exceeded my expectations