Review Snapshot

You can lower your monthly credit card payments and get out of debt in less than 48 months. You get to pick a payment plan you can afford.


Debt settlement does have a negative impact on your credit score temporarily although the impact is not as bad as bankruptcy. You can also settle your debts yourself and not use any debt settlement company which will save you even more money.


National Debt Relief is a strong company with strong credentials and proven results when you need help with credit card debt and want to avoid bankruptcy.

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Debt Relief from National Debt Relief
National Debt Relief Review
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National Debt Relief Review

National Debt Relief is a top rated debt settlement company that gets top marks from 2 major consumer review sites. Both Top Ten Reviews and Top Consumer Reviews have National Debt Relief rated as their top choice for debt settlement and debt relief.

National Debt Relief also has accreditations from the Better Business Bureau, the American Fair Credit Council and the International Association of Professional Debt Arbitrators. In fact, they are the first debt consolidation company to earn all three accreditations.

How can National Debt Relief help you?

When you call NDR, a certified debt counselor will discuss your financial situation and determine if you are eligible for one of their debt relief plans. You must qualify with a legitimate financial hardship. This is usually a loss in income due to job loss or divorce or medical bills.

The debt counselor will then offer you a plan to get out of debt through debt negotiation or debt settlement. Debt negotiation is the process of negotiating with your unsecured creditors and offering a lump sum payment to resolve your outstanding balances.

Most creditors will agree to settle your debts if you can demonstrate your financial hardship and your only other alternative is bankruptcy. The credit card companies would rather get a fraction of what you owe than nothing at all if you filed bankruptcy.

National Debt Relief has helped over 100,000 consumers get out of debt and they have saved their clients millions of dollars. Best of all, you can get started with no upfront fees and you only owe them money when you see results - resolved credit card debts.

How does debt settlement affect your credit?

Like most other forms of debt relief, debt settlement can have a negative impact on your credit. The payments you were normally making to your creditors will be saved up into your settlement fund instead of going to your creditors. This will cause your credit score to drop until your debts have been settled. The negative credit score impact will not be as long as if you had filed bankruptcy. And it will not be a part of your public record. Once you have settled your debts, you will be able to quickly rebuild your credit score since you will have an improved debt to income ratio.

Can I settle my own debts?

You do not have to hire a debt settlement company to settle your debts for you. You can call up your creditors every couple weeks on your own and explain your financial hardship each and every time and deal with their trained professionals who may berate you for not paying your bills. I've gone through it before and it is not fun. It is exhausting and saddening when you have to explain why you cannot make your payments anymore. National Debt Relief is available to go to bat for you if you do not want to deal with the credit card companies yourself. 

Is National Debt Relief a scam?

Debt settlement is not a scam and National Debt Relief is a legitimate debt consolidation company that wants to help people in need. They have strong marks with the Better Business Bureau which demonstrates their commitment to delivering results to their customers.

How much does debt settlement cost?

Now that debt settlement with National Debt Relief sounds like a good idea, you want to make sure it is something you can afford. NDR bases its fees on the amount of unsecured debt you enroll. Keep in mind they only earn those fees after they have settled with your creditors. So it could take 24 to 48 months for them to earn any fees but they will be working for you all that time. So with that said, NDR's debt settlement fees vary by the state you live and the enrolled debt amount. The average fee is 20% of your unsecured debt.
Date Reviewed: July 9, 2013, 9:05 am
Reviewed by ihatedebt
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Research Sources
National Debt Relief Better Business Bureau Rating
Top Ten Reviews Rating Of National Debt Relief As Top Debt Settlement Company
Top Consumer Reviews Rating Of National Debt Relief as Top Debt Relief Company
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