National Debt Relief
Top RatedTop-Rated Debt Settlement Company
12,847 verified reviews
What is ACDR Membership?
The American Association for Consumer Debt Relief (ACDR) is a trade association representing companies in the debt relief industry. Membership indicates a company participates in the association and agrees to follow its standards and code of conduct. Membership alone is not a guarantee of performance or outcomes — ReliefGuardian evaluates many additional factors when reviewing providers.
Quick Facts
Founded
2009
Headquarters
New York, NY
BBB Rating
A+
States Served
46 states
Min. Debt
$7,500
Max. Debt
No maximum
Program Length
24–48 months
Fee Range
15–25%% of enrolled debt
Overview
National Debt Relief is one of the most recognized debt settlement companies in the United States. Founded in 2009, they offer settlement services for credit cards, medical bills, personal loans, and other unsecured debts. Their team of experienced negotiators works directly with creditors to reduce enrolled balances. National Debt Relief is accredited by the American Association for Consumer Debt Relief (ACDR) and holds an A+ rating from the Better Business Bureau. Their 24/7 online portal lets clients track every account in real time.
How It Works
After a free consultation, clients enroll their eligible debts into the program and make monthly deposits into a dedicated savings account. Once sufficient funds have accumulated, National Debt Relief's negotiators contact creditors and negotiate lump-sum settlements. Clients only pay the company's fee after a settlement is reached and approved.
Our Rating Breakdown
Pros & Cons
Pros
- No upfront fees — only pay after settlement
- A+ BBB rating with thousands of verified reviews
- 24/7 online portal to track progress
- ACDR and IAPDA accredited
- Free, no-obligation consultation
- Bilingual support available
Cons
- Not available in Connecticut, Vermont, West Virginia, or Oregon
- Fees can reach 25% of enrolled debt on some accounts
Who Is It Best For?
✅ Best For
- Large credit card balances ($10,000+)
- Consumers with multiple creditors
- Those who want a hands-off settlement process
❌ Not Ideal For
- Residents of the 4 unsupported states
- Anyone with less than $7,500 in debt
Eligible Debt Types
Requirements to Qualify
- Minimum $7,500 in unsecured debt
- Currently experiencing financial hardship
- Cannot afford minimum monthly payments
- Resident of a qualifying state
Customer Reviews
Patricia W. — Houston, TX · January 2026
"I was terrified to start the process but my advisor was with me every step. They settled three of my credit cards and I paid less than half of what I owed. Finished the program in 31 months."
Debt Enrolled
$34,200
Amount Saved
$16,400
Michael B. — Atlanta, GA · March 2026
"No hidden fees, no pressure, no nonsense. They explained every step and delivered exactly what they promised. My only regret is not starting sooner."
Debt Enrolled
$22,700
Amount Saved
$11,200
Diane R. — Columbus, OH · April 2026
"The savings were real — I settled about 47 cents on the dollar. Just be prepared: the first 6 months are stressful because creditors call a lot. But stick with it, it's worth it."
Debt Enrolled
$18,500
Amount Saved
$9,800
Why We Recommend National Debt Relief
ReliefGuardian's Take: National Debt Relief earns our #2 spot for its consistent results, stellar accreditation record, and outstanding customer support. If you have $10,000 or more in unsecured debt and are struggling to make payments, this is a top-tier option.
Last verified: January 2026 · ReliefGuardian evaluates providers independently based on fees, accreditation, customer service, and settlement outcomes.
Our Verdict
National Debt Relief earns our #2 spot for its consistent results, stellar accreditation record, and outstanding customer support. If you have $10,000 or more in unsecured debt and are struggling to make payments, this is a top-tier option.
Think National Debt Relief Might Be Right for You?
Check your eligibility with a free, no-obligation consultation.
Average savings for clients
Up to 50%
Free consultation · No obligation
No upfront fees · 100% confidential