National Debt Relief Review

Ashley Fricker

By: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley has managed content initiatives for BadCredit since 2015, having worked closely with the world’s largest banks and financial institutions, as well as press and news outlets, to publish comprehensive content. Her credit card commentary is featured on national media outlets, including CNBC, MarketWatch, Investopedia, Yahoo Finance, and Reader's Digest.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian brings more than 30 years of editing and journalism experience, having written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times. A former business writer and business desk editor, Lillian ensures all content equips readers with financial literacy.

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National Debt Relief has quickly become the nation's largest and most reputable debt relief company with over 1,000 employees. Working on a strictly performance-based model, National Debt Relief only collects compensation from a client after debts are successfully resolved — this ensures the company is always working with the best interest of the consumer in mind.

Let's take a look at the key facts and features of National Debt Relief:

  • Requires $10,000 or more in credit card debt
  • Free, no-obligation debt analysis
  • Specializes in credit card and medical debt
  • Also handles debt from personal loans, private student loans, lines of credit, and collections
  • Does not handle IRS, utility, federal student loans or mortgage debt
  • Long-term program to relieve debt over 24-48 month period
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Free Consultation? Reputation Score
A+ 2009 Yes 9.5/10

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As you can see, there's a lot to like about National Debt Relief, especially if you have a bad credit history. But as with any offer or service, be sure to read all the details on the official National Debt Relief website before committing.

National Debt Relief — A Performance-Based Debt Relief Program that Ensures the Customer's Best Interest is Always #1

National Debt Relief — A Performance-Based Debt Relief Program that Ensures the Customer's Best Interest is Always #1

What began as a company with 20 employees quickly evolved into the nation’s leading debt relief company in less than a decade — that alone could stand as a testament to the work being performed at National Debt Relief, but they prefer to let their thousands of “Excellent” reviews from past clients do the talking.

National Debt Relief doesn’t boast inflated stats or set radical expectations with its clients. “We’re very transparent and very clear about the program,” said Grant Eckert, Vice President of Marketing at National Debt Relief. “We’ll assess the consumer, and if they decide it’s right for them, we’ll enroll them in the program. There are no contracts and no penalties if they cancel at any time. We take our reputation very seriously. We invite you to go online and see our reviews.”

Working on a performance-based model, there are no up-front fees, and National Debt Relief never collects a penny until you see results. This means there’s no reason for them to enroll you into a program if it’s not for you — there’s no financial gain to be had for either party.

“We’ll assess [the potential client’s] current situation, and if there are options that are better for them, we’ll be very honest and straightforward and say, “A debt consolidation loan is a better option for you,’ or, ‘We’re not the best fit, maybe bankruptcy’s the best option.’ Because we’re performance-based, we truly have the best interest of the consumer in mind. The last thing we want to do is enroll people who won’t be successful in the program,” Grant explained.

The National Debt Relief program is not a quick fix — the typical client will be enrolled for 24 to 48 months, on average, as the company has ongoing negotiations with your creditors to settle your debts. National Debt Relief will never proceed with a settlement without your approval. After all of your debts are settled, you “graduate” the program, and as Grant politely put it, “hopefully don’t come back through our doors.”

Other Debt Relief Ratings

Not sure if National Debt Relief is for you? Be sure to check out our review of similar offers below. These offers were selected and rated by our team of finance experts as the best available for those with bad credit. If you decide National Debt Relief isn't for you, one of the following could be a great alternative.

  • 100% confidential, no-obligation consultation
  • Specializes in unsecured debts over $10,000
  • In business since 2000
  • Options for debt settlement, consolidation, and tax debt
  • Get a 100% free, personalized savings estimate from a debt professional
  • See official site, terms, and details.


Overall Rating

Better Business Bureau In Business Since Free Consultation? Reputation Score
(No Grade) 2000 Yes 9.0/10
See All Debt Relief »

About the Author

Ashley Fricker

Ashley works with a team of finance experts and journalists who develop in-depth industry profiles and advice articles read by more than 15 million Americans. Her years of experience reporting on consumer credit scores and reports positions Ashley to make smart recommendations on ways to improve one’s credit and avoid predatory lending. She often serves as an expert source on financial topics for national media outlets, including CNN Money, MarketWatch, Money Matters, ABC News, Kiplinger, and NBC News. Connect with Ashley on LinkedIn and Twitter.

Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.

* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.