Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

National Debt Relief is a reputable and reliable debt settlement company that has helped many people overcome their debt problems. The fact that the company has been operating for over a decade and has received many positive reviews from satisfied customers indicates that it is a legitimate option for those seeking debt relief services. By working with creditors to negotiate debt settlements on behalf of its clients, National Debt Relief offers a viable solution for individuals and businesses struggling with debt. Overall, it appears that National Debt Relief is a trustworthy company that can help those burdened with debt find a path to financial stability.



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What Is A Debt Settlement Program?

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A debt settlement program is designed to assist individuals who are struggling with debt by negotiating with their creditors to settle their debt for a lower amount than what they owe. Debt settlement companies typically offer these programs and advocate on behalf of the debtor by negotiating with creditors regarding business debts.

The process typically involves the debtor making monthly payments into an account that is managed by the debt settlement company. Once enough money has been accumulated, the company will then negotiate with the creditor to settle the debt for a lower amount.

While debt settlement programs can help individuals to become debt-free, they can also have negative consequences. For example, the debtor’s credit score may be negatively impacted, and they may still be required to pay taxes on the forgiven debt.

Additionally, some debt settlement companies may charge high fees or fail to follow through on negotiations, leaving the debtor in a worse financial position. It is important for individuals to thoroughly research and consider all options before enrolling in a debt settlement program, and to work with a reputable company that is transparent about its fees and success rates.

Before enrolling in a debt settlement program, it’s important to carefully consider all of the pros and cons and to explore all other debt-relief options that may be available.

What Is National Debt Relief’s Debt Settlement Process?


The process of settling debt with National Debt Relief is straightforward and involves a few steps. Initially, you can register for their services by either completing an online application or calling their toll-free number. Following registration, a debt expert will be designated to assist you in comprehending the professional debt connections and procedures and to identify the most appropriate plan of action for your specific circumstances.

Afterward, you’ll begin depositing monthly payments into an escrow account, which National Debt Relief will handle on your behalf. The account will be utilized to bargain with your creditors and resolve your debts for a lower amount than what you owe.

National Debt Relief will collaborate with your creditors to devise a settlement plan that is satisfactory to both parties during the negotiation stage. After reaching a settlement, you will be informed and requested to accept the conditions before any money is paid out from your escrow account.

After settling all of your debts, National Debt Relief will give you a certificate of completion which signifies that you are no longer in debt. The duration of the debt settlement process varies from 2 to 4 years based on your personal situation.

Credit Card Debt

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Credit card debt refers to the amount of money that a person owes to a credit card company. This debt is incurred when a person uses their credit card to make purchases or obtain cash advances. Credit card debt can be a major financial burden for many people, and it can be difficult to pay off if not managed properly.

It is also important to be mindful of credit card usage and to only use credit cards for necessary expenses. Many credit card companies offer rewards programs or cash-back incentives, but it is important to not let these perks lead to overspending and accumulating more debt. By being responsible with credit card usage and prioritizing debt repayment, individuals can take control of their finances and avoid the negative consequences of high-interest credit card debt.

How Does National Debt Relief Work?

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National Debt Relief is a company that provides debt relief solutions to consumers who are struggling with unsecured debt. Unsecured debt refers to debts that are not backed by collateral, such as credit card debt, medical bills, and personal loans. National Debt Relief understands the challenges that come with unsecured debt and offers tailored solutions to help consumers become debt-free. Their debt relief services include debt settlement, debt consolidation, and credit counseling. National Debt Relief works closely with creditors to negotiate lower interest rates and reduce the overall debt amount. By providing these debt relief solutions, National Debt Relief helps consumers regain control of their finances and achieve financial stability.

To begin the National Debt Relief process, a person must have a consultation with one of the company’s debt specialists. During this consultation, the specialist will assess the person’s financial situation and design a customized plan for debt relief. This plan could involve either debt consolidation or debt settlement, or a combination of both solutions. Debt consolidation will merge various unsecured debts into one payment, resulting in a lower interest rate, and potentially saving money on interest fees. Debt settlement, on the other hand, involves negotiating with creditors to settle the debt for less than the total amount owed, thereby helping the person avoid bankruptcy and potentially saving money. Once the debt relief plan is established, National Debt Relief will collaborate with the person’s creditors to arrange settlements and payment schedules. The individual must make monthly payments to National Debt Relief, which will then allocate the funds to creditors according to the agreed-upon plan. During the process, National Debt Relief will provide continuous support and guidance to help the individual reach a debt-free status.

National Debt Relief Review


National Debt Relief is a company that specializes in helping individuals and families reduce and eliminate their debt. The company’s goal is to provide clients with the support and resources they need to regain control of their finances and achieve financial freedom.

Additionally, National Debt Relief offers a range of resources and tools to help clients manage their debt and improve their financial literacy. These include educational materials, budgeting and savings advice, and credit counseling services. The company’s goal is to empower clients to take control of their finances and build a better future for themselves and their families. Overall, National Debt Relief is a reputable and reliable option for those struggling with debt, offering personalized solutions and exceptional customer service.

In general, National Debt Relief has assisted numerous people and households in lowering their debt and attaining economic independence. If you are encountering debt issues, the company’s debt settlement program could be worth considering. Nonetheless, it is crucial to conduct thorough research and carefully assess all possible alternatives before choosing.

What Debt Relief Companies Does National Debt Relief, Compete With?

National Debt Relief competes with other debt relief companies that offer similar services, such as debt settlement, debt consolidation, and debt counseling. Some of its main competitors include Freedom Debt Relief, Accredited Debt Relief, and Pacific Debt Inc. These companies offer similar programs that aim to help individuals struggling with debt reduce their overall debt burden and improve their financial situation. However, National Debt Relief differentiates itself from its competitors through its focus on personalized debt relief solutions, transparent fees, and excellent customer service. With its strong reputation in the industry, National Debt Relief is a top choice for consumers seeking effective debt relief solutions.

National Debt Relief Reviews By The BBB

The company is accredited by the Better Business Bureau (BBB) and has an A+ rating, which is a testament to its commitment to providing quality services to its clients. National Debt Relief Reviews by the BBB provides an in-depth look into how this debt relief company operates and the services they provide. The BBB provides ratings and reviews based on customer experiences, customer service, the company’s trustworthiness, and their overall performance. These reviews can help those considering a debt relief program to make the right decision for their financial future. The BBB also provides additional resources to help customers understand the process and find the right program for their needs. With BBB’s reviews, customers can feel confident that they are making an informed decision when choosing a debt relief program.


In conclusion, National Debt Relief is a reliable and trustworthy company that offers debt relief services to individuals and families in need. Their positive reputation in the industry and their range of services make them a viable option for those looking to get out of debt. While there are some negative reviews, it’s important to understand that every company will have some unsatisfied customers. It is crucial to do your research and make an informed decision based on your personal circumstances before choosing any financial service. Overall, National Debt Relief is worth considering for those looking for debt relief services, but it’s important to be diligent and cautious before making a decision.

National Debt Relief Faqs

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What is National Debt Relief?

National Debt Relief is a debt settlement company that helps individuals and businesses resolve their debt problems by negotiating with creditors on their behalf.

Is National Debt Relief a legitimate company?

Yes, National Debt Relief is a legitimate company that has been in business since 2009 and has helped over 100,000 clients resolve their debt problems.

How does National Debt Relief work?

National Debt Relief works by negotiating with creditors to settle debts for less than what is owed. Clients make monthly payments into a trust account, which is used to pay off settlements.

What types of debt do National Debt Relief work with?

National Debt Relief works with unsecured debts such as credit card debt, medical bills, personal loans, and some types of business debts.

How much does National Debt Relief charge for its services?

National Debt Relief charges a fee based on the amount of debt enrolled in its program, typically ranging from 15% to 25% of the total debt.

Will National Debt Relief hurt my credit score?

Yes, debt settlement can have a negative impact on your credit score. However, National Debt Relief works with clients to help them rebuild their credit after their debts are settled.

How long does it take for National Debt Relief to settle my debts?

The time it takes to settle debts can vary depending on the amount of debt, the number of creditors, and the client’s ability to make monthly payments. On average, National Debt Relief settles debts in 24 to 48 months.

What happens if I can’t make my monthly payments to National Debt Relief?

If you can’t make your monthly payments, National Debt Relief may be unable to settle your debts and you may be subject to collection efforts by your creditors.

Is National Debt Relief right for everyone?

No, National Debt Relief may not be the best solution for everyone. It is important to consult with a financial advisor or credit counselor to find the best debt relief option for your individual situation.

What are the alternatives to National Debt Relief?

Alternatives to National Debt Relief include debt management plans, debt consolidation loans, and bankruptcy. It is important to research and compares all options before making a decision.


  1. National Debt Relief: A debt settlement company that claims to help consumers get out of debt.
  2. Legit: A slang term meaning legitimate or trustworthy.
  3. Debt Settlement: The process of negotiating with creditors to settle a debt for less than what is owed.
  4. Creditors: Individuals or companies to whom money is owed.
  5. Debt Relief: The process of reducing or eliminating debt.
  6. Debt Consolidation: The process of combining multiple debts into one monthly payment.
  7. BBB: Better Business Bureau, a non-profit organization that rates businesses based on customer complaints and reviews.
  8. FTC: Federal Trade Commission, a government agency that regulates businesses to protect consumers.
  9. Scam: A fraudulent scheme intended to trick or deceive someone.
  10. Consumer Protection: Laws and regulations designed to protect consumers from unfair business practices.
  11. Settlement Agreement: A legal document outlining the terms of a debt settlement.
  12. Debt Management Plan: A structured repayment plan that helps consumers pay off their debts over time.
  13. Bankruptcy: A legal process that allows individuals to eliminate or reduce their debts.
  14. Debt Relief Programs: Programs that offer assistance to consumers struggling with debt.
  15. Debt Negotiation: The process of negotiating with creditors to reduce or eliminate debt.
  16. Debt Counseling: A service that helps consumers manage their debt and create a budget.
  17. Credit Score: A numerical representation of a person’s creditworthiness.
  18. Interest Rates: The percentage of money charged by lenders for borrowing money.
  19. Debt Collection: The process of attempting to collect unpaid debts.
  20. Financial Stability: The ability to manage finances and maintain a healthy financial outlook.
  21. American Fair Credit Council: A non-profit organization that advocates for fair practices in the credit counseling industry.
  22. Professional debt arbitrators: Individuals or companies specialized in negotiating with creditors on behalf of individuals or businesses to settle their debts.
  23. Upfront fees: Payments made in advance of the delivery of goods or services.

Paolo Jones is an accomplished writer with a specialization in tax-related topics. His extensive experience and expertise in the field have made him a sought-after authority on all things tax. Paolo earned his bachelor's degree in economics where he developed a keen interest in taxation. Paolo began his professional career as a tax consultant where he advised clients on tax planning, compliance, and risk management. His technical expertise and attention to detail soon earned him a reputation as a top-notch tax professional.

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