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National Debt Relief Debt Settlement Reviews

Sarah Edwards | April 11, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Fact-checked by George Simons, JD/MBA

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD/MBA. In his spare time, George likes to cook, because he likes to eat.

Summary: National Debt Relief is a legit company that has great ratings and can help consumers settle their debts. However, be advised that it will take some time, and you will pay large fees to use National Debt Relief’s services. Alternatively, you can use SoloSettle to settle debt on your own.

Settling your debts can rid you of outstanding loans you can no longer keep up with. Once you finish the process, you’ll be in a better place to manage your money, but simply making the decision to settle your debts isn’t enough, however.

If you don’t plan on managing your debt settlement process yourself, you’ll need to find a company you want to work with. There are many debt settlement companies out there, but one of the most popular is National Debt Relief.

You may wonder whether National Debt Relief is a legitimate debt settlement company. Let’s find out!

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How does National Debt Relief work?

National Debt Relief has a long history of offering debt settlement services. The company first opened in 2009, and since then, they’ve helped more than 400K people resolve their debts via settlements.

Enrolling in a program with National Debt Relief is fairly simple. You start the process by undergoing a free consultation, during which you’ll explain your financial situation, identify your creditors, and determine the total amount you owe. You’ll also provide National Debt Relief with information about your personal circumstances, such as your income and how much you can afford to pay toward a settlement.

National Debt Relief accepts virtually all unsecured debts into its program, including medical and credit card bills, collections, and personal loans. If they enroll you into their program, you’ll begin making monthly payments to them. They’ll hold your money in an FDIC-insured bank account until it's time to settle your first debt.

Of course, National Debt Relief charges for these services, and though their fees vary, most people pay between 15 to 25% of their total debt toward the company’s debt settlement assistance.

Let’s consider an example.

Example: Susan owes various creditors $20K in debt. She can’t keep up with her payments, so she contacts National Debt Relief for help. They accept her into their program, and she starts making monthly payments in the amount of $500. Within three years, Susan settles all her debts. She pays $4K to National Debt Relief for their help and $10K to pay her obligations. She saves $6K in total.


Are you facing a debt lawsuit? Use SoloSuit’s template to file an Answer.

Here’s the scoop on National Debt Relief’s reviews

We began our research into National Debt Relief on the Better Business Bureau’s (BBB) website. The company is fully accredited and has an A+ rating with the BBB. While customer reviews don’t impact the BBB’s rating, other factors, such as a company’s complaint history, its time in business, its licensing, and its overall business practices do.

National Debt Relief has a long history with BBB, with nearly 4,000 customer reviews and an average of 4.73 out of 5 stars. Its reviews with Google earned it an average 4.6 stars out of 5 from almost 8,000 reviews. This means that National Debt Relief reviews are overwhelmingly positive.

Most reviews express high customer satisfaction, noting how helpful the company’s associates were in regard to setting clients up with a debt settlement plan they could follow.

Most of the negative reviews posted concern a drop in credit scores following enrollment into the program. Lower credit scores are common with debt settlement programs, given that most people don’t continue to make their minimum payments to their creditors. National Debt Relief might improve these ratings by ensuring its clients understand how debt settlement can negatively impact credit scores in some cases.

National Debt Relief also receives many complaints

Next, we checked National Debt Relief complaints on its profile with the Better Business Bureau. In the past few years, National Debt Relief has been the subject of several hundreds of complaints.

Most of these complaints involve leaving the program because of a misunderstanding of the debt settlement process. For example, one person left the company after they discovered their credit score dropped due to non-payment of their creditors.

Watch this video to learn how debt settlement impacts your credit score:

One customer complained about poor communication. National Debt Relief didn’t advise her of the accounts they settled, creating some confusion and leading to a double payment.

Another customer left a complaint concerning an account that National Debt Relief removed from the program. The client stopped making payments to the original creditor but was left in a tough spot when National Debt Relief informed them they couldn’t settle the debt.

One particular complaint stands out. A 90-year-old man with cognitive and hearing issues signed up for the program, despite his daughter holding his power of attorney. When she found out, she contacted the company and asked them to refund the money, given that her father didn’t have the mental capacity to understand his actions. National Debt Relief responded and disenrolled the man from the program, refunding all of his money.

Is National Debt Relief legit? Final thoughts

National Debt Relief is a legitimate debt settlement company that can help customers resolve their financial concerns. Their customer reviews are overwhelmingly positive, and the company responds to every complaint promptly. Individuals who want the assistance of a debt settlement company should feel confident enrolling with National Debt Relief.

Consumers pay service fees and spend months, even years, saving before the debt is settled with National Debt Relief’s help.

Need to settle a debt before your court date? SoloSettle can help you settle your debt quickly.

Settle a debt on your own with SoloSettle

Unlike traditional debt settlement companies, SoloSettle helps you take matters into your own hands and reach a debt settlement on your own.

Here are a few reasons SoloSettle is different:

  • SoloSettle is a tech-based approach to debt settlement. Our software sends and receives debt settlement offers on your behalf so you don’t have to deal with debt collectors directly.
  • You can settle a debt of any size with SoloSettle. Most settlement agencies require you to have a debt of $15,000 or more to enroll in their programs.
  • It helps you protect your financial information from debt collectors. SoloSettle transfers your payment for you, keeping your finances private and secure.
  • You don’t pay anything until you reach a debt settlement agreement.
  • SoloSettle is powered by SoloSuit, which means you can use both services to settle your debts and fight back in court. Other debt settlement services don’t help with legal defense; if you get sued, you’re on your own.

These are just a few reasons that SoloSettle is different from other debt settlement services, including National Debt Relief.

Let’s take a look at another example.

Example: Henry is being sued by EOS Group for an old credit card debt of $5,000. He uses SoloSuit to respond to the lawsuit, and in turn, buys himself time to work out a debt settlement plan. After Henry takes a closer look at his income and budget, he decides he can afford to pay off 65% of the debt upfront, or $3,250. He uses SoloSettle to send a debt settlement offer to EOS, starting low at 40%, or $2,000. After a few rounds of negotiations, EOS Group settles for $3,000 (only 60% of the original debt amount). SoloSettle takes care of the debt settlement agreement documentation, and EOS Group dismisses the case in court.


Negotiate debt settlement on your own

We wanted to know the best ways to negotiate debt settlement, so we asked a lawyer for some tips. Watch the video below to learn more about how to negotiate debt settlement on your own:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

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Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

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Personal loan and debt relief reviews

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How to resolve student loan debt

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Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

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Learn more with these additional debt resources

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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