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Overview
Established in 2009 and based in New York City, National Debt Relief is one of the largest and most established debt settlement firms in the United States. It has supported over 600,000 clients in managing unsecured debts through strategic negotiation. The company is BBB A+ rated, licensed by the DFPI, and employs IAPDA-certified debt arbitrators.
Its approach focuses on negotiating with creditors to reduce the total amount owed rather than issuing loans or suggesting bankruptcy. Clients make consistent monthly contributions to a dedicated, FDIC-insured account, which is used to pay creditors after settlements are reached. The fee structure is results-based; clients are only charged a percentage of the enrolled debt (up to 25%) once a settlement is finalized and a payment is made.
This transparent, goal-oriented model has positioned National Debt Relief as a reliable option for those facing significant unsecured debt loads.
Pros
- No upfront fees
- A+ BBB and IAPDA accredited
- Single, simplified monthly payment
- Soft credit inquiry for evaluation
Cons
Application Process
The process is streamlined for accessibility:
- Free Consultation – Submit your debt and income details online or call 800‑300‑9550
- Financial Evaluation – A certified debt consultant reviews your profile and identifies qualifying debts.
- Plan Proposal – You receive a personalized plan with estimated savings and payment structure.
- Dedicated Account Setup – You deposit funds monthly into an FDIC-insured account.
- Creditor Negotiation – National Debt Relief negotiates and settles debts over 12–48 months.
Importantly, there are no fees unless and until a settlement is approved and funded.
Debt Services
National Debt Relief does not provide consolidation loans or credit counseling. Instead, they focus solely on debt settlement, negotiating directly with creditors to reduce the principal balance.
They may also refer clients to credit counseling, bankruptcy attorneys, or personal loan partners if debt settlement isn’t the right fit. Clients report average total savings of 30%–45% before fees. The company typically charges up to 25% of enrolled debt, deducted after each successful settlement.
Clients should note that debt forgiveness may be considered taxable income by the IRS and may result in receiving a 1099-C form. Tax implications should be discussed with a qualified advisor.
Types of Debt Covered
National Debt Relief works with most unsecured debt types, including:
- Credit card debt
- Medical bills
- Personal loans
- Lines of credit
- Collections and charge-offs
- Repossessions
- Certain private student loans and small business debts
They do not handle secured debts (e.g., mortgages, car loans), federal student loans, or legal judgments.
Customer Support
- Phone Support:
Free consultation: 800‑300‑9550
Client services: 888‑660‑7427
Hours: Mon–Fri (9 AM–10 PM EST); Sat–Sun (9 AM–6 PM EST)
- Mailing Address:
180 Maiden Lane, 28th Floor, New York, NY 10038
P.O. Box 2011, NY 10272
- Support Channels:
Email, online dashboard, and live chat (availability varies by state)
Accredited by the BBB and certified by the IAPDA, their support team is consistently rated highly for responsiveness and professionalism.
AI was used in the creation of this content, along with human validation and proofreading.
- No upfront fees
- A+ BBB and IAPDA accredited
- Single, simplified monthly payment
- Soft credit inquiry for evaluation
- May impact credit score
- Fees up to 25% of enrolled debt
- Resolution takes 12–48 months
