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National Debt Relief Program Review (2021 Update)

Elizabeth Johnson

Financial Advisor
Updated: 01/2020


Low monthly payments


No upfront fee


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Minimum debt amount: $7,500

Understanding National Debt Relief

Debt settlement is sometimes the only option available to people who are unable to pay their creditors. If the debt is unsecured, such as credit card debt, the situation only becomes more complicated because there's no collateral to fall back on.

In that case, you have to come to a settlement after negotiating with the creditors. But creditors are not obliged to reach a settlement, because they want the money. In that case, debtors can take the help of debt settlement services.

To put it simply, debt settlement services know the means to make creditors agree to a settlement. They talk to your creditors, negotiate with them, and find a way to settle the debt. This process often takes a few years.

National Debt Relief is one of the biggest debt settlement companies based in Broadway, New York. There are several reasons why National Debt Relief is so popular for debt settlement. They have been around the block before and their track record is stupendous for starters.

According to the company itself, those who use their services are looking for a better way to resolve their debt problems without bankruptcy. National Debt Relief does not deal with consumer debt or make monthly payments to creditors.

They do not provide tax, bankruptcy, accounting or legal advice or credit repair services. Because they are so transparent in their services, a large number of debtors use them for settling debts.

National Debt Relief was founded on Sep. 23, 2009, by Tom Leydiker. In the last nine years, the company has grown to be the largest debt relief company in the East Coast and one of the most popular in the country. The company has an A+ rating from the Better Business Bureau and also receives positive reviews from consumers and small businesses.

The success of the company isn't surprising given that Tom and his team bring their extensive knowledge and experience in the debt consolidation industry to deliver high-quality services to clients every day. National Debt Relief is currently rated #1 in the country.

National Debt Relief at a glance

National Debt Relief is available mostly for the East Coast, but if you are in any other state that is licensed, you can avail of their services.

What is debt settlement?

Settling a debt involves convincing a creditor to accept less than the amount that is due. Once a creditor agrees to debt settlement, they cannot keep hounding you for the money and also cannot sue you over the debt. As good and simple as that sounds, debt settlement should really be a last resort.

Even though you get away with paying less than the whole amount due, it adversely affects your credit history and dims your chances of being approved for a loan or credit card later.

Many people still go for debt settlement because they think it's better than bankruptcy. It must also be remembered that debt settlement works only for unsecured debt. If your debt has collateral and if you fail to make your payments, a settlement cannot save your collateral from being taken away.

Debt settlement is considered only when you have many late or missed payments and a number of collections accounts. Typically, a creditor or collector will never agree to accept less than the full amount due, especially if they believe that you can afford to pay the full amount. As everyone knows, creditors can be difficult. They can make life hell for debtors.

Whether you have credit card debt or a student loan, the moment you miss your payments, creditors will keep hounding you for the money, regardless of whether or not you can afford to pay. When you have debt, your credit scores hit rock bottom, and you feel hopeless that your income isn't enough to meet your debts.

This is when debtors usually think of hiring debt settlement services. However, before you do that, be warned of the multiple risks associated with debt settlement.

Some of the risks are:

Your credit will suffer: If your accounts are not already delinquent, they will be once the debt payments are diverted towards the settlement account. The debt charged off by lenders and the delinquent accounts records stay on your credit history for seven years and adversely impact your credit score.

Penalties and interest will add up: Even if you choose debt settlement, you can be charged with late fees and penalties. At the same time, the interest will keep adding to your balance.

No certainty: National Debt Relief says the company has settled millions in debt ever since it was founded in 2009. However, they also maintain that there's no guarantee if they will be able to reduce your payments, because most creditors are not ready to negotiate with debt settlement companies. Plus, there are fees over and above the settlement amount.

Settlement fee: Debt settlement companies cannot charge upfront fees, but they charge a percentage of each settled debt. For example, if you owe $10,000 and the settlement comes down to $6,000, and the company 25 percent of the total amount, you end up paying a total of $8,500.

Additional fees: In addition to the fees paid to the company when a debt is settled, there are other fees that customer may have to bear, such as fees to set up the account and monthly fees to maintain that  account under the program. All these fees can add up to make it as expensive as the total amount due.

Settled debt may be taxable: The Internal Revenue Service generally considers forgiven debt (the money you save) as income. You should consult a tax professional about additional tax obligations that come with settled debt.

Despite the risks associated with debt settlement, a large number of people choose to take that road in the hopes of being debt free in a short time. That is when the help of a debt settlement company is needed.

National Debt Relief Program Reviews

The debt relief process of National Debt Relief

Although the debt relief process for every company is more or less the same, there are certain variations sometimes. The basic variation is in terms of the fees charged by the company. National Debt Relief has built its reputation as one of the most effective debt settlement agencies in the US.

It has a strategic process to settle the debt. First, you need to register with them and create an FDIC-insured account that is different from your personal checking or savings account. You are required you make monthly payments into this account during the debt settlement process.

You do not need to pay any registration fees to the agency. After a detailed consultation about your debt, you are told about the process of debt settlement. If you are okay with the process, you can go ahead and register with them.

The first thing you are advised to do is to stop making payments to your creditor and stop communicating with them at all. This is because you have to convince the creditor that you are unable to make the payments. If you keep making payments, your creditor will believe you can afford to pay off your debts.

Even if you receive phone calls or letters, National Debt Relief will advise you to ignore them for at least three to six months. After this period the accounts should be charged off, and the creditor will count your debt as a tax write off.

Once this happens, National Debt Relief will reach out to the creditor on your behalf, providing evidence that you are unable to make the payments. National Debt Relief will also offer that you want to negotiate a settlement.

As National Debt Relief says on its website, creditors will most likely refuse a settlement. No one likes to receive less than the amount due. But the agency also adds that they have the means to convince creditors. That is why it is best to take the help of a settlement company when negotiating with the creditor, because ordinary people usually don't know the proper way to convince creditors for a settlement. Even if it takes a while, the company will find a way to convince them.

Once the creditor agrees to a negotiation, they will also do a background check on your credit history, including your debt to other creditors. Since you haven’t been paying any of your debts, the creditor will assume that you are unable to make the payments. After this, the creditors will offer a settlement opportunity because there is no other option if you cannot make the payments.

Depending on the total amount due, National Debt Relief will release the appropriate amount of funds to the creditor. Most relief or debt consolidation programs last anywhere between two and four years, though the average for National Debt Relief is three years.

Those who stay in the program and reach a settlement get to save anything between 30 and 50 percent including fees to National Debt Relief. Many clients cannot complete the program because of insufficient savings or inability to pay.

National Debt Relief Program Reviews

Eligibility criteria

Not everyone is eligible to be a customer at National Debt Relief. There are a few factors that decide if you are eligible for their debt relief program.

The most important criterion is your amount of debt. If you less than $7,500 in debt, you are ineligible for the debt relief program. This is similar to most other debt relief agencies, which require you to have at least $7,500 in total debt to be eligible for debt settlement.

This is because any amount below $7,500 is considered insufficient for taking such a big risk. Yes, debt settlement is a big risk, and it negatively impacts your credit history and score, so unless your debt amount is significant, you shouldn't go that road.

The next requirement is that your debt must be unsecured, i.e: without collateral. The debts that don't qualify for a debt settlement plan include auto loans (including cars, trucks, vans, and motorcycles), federal student loans, personal loans from your current bank, mortgages, and child support.

Whenever there is collateral, creditors will sell it and get the amount due. Not even a debt settlement can save your collateral. So, if you are unable to pay off your home loan, the debt settlement cannot save your house from being taken away.

So what kinds of debt qualify for debt settlement? Any kind of unsecured debt (where there is no collateral) is eligible. Your debt can come from credit cards, department store cards, medical bills, personal loans, credit unions, and collections accounts. In some cases, National Debt Relief may also be able to help settle debts from secured debts or private student loans.

This is completely dependent upon your individual case and if the company considers your debt eligible. In most cases, secured debts are not handled by debt relief companies because there is collateral to fall back on in case of late or missed payments (or no payments at all).

Besides your debt qualification, there are a few other criteria that you must fulfill in order to be eligible. Most important of them is your inability to afford your minimum payments on your credit cards and other accounts. You should have either already missed many payments or are on the brink of. Keep in mind that National Debt Relief isn’t here to cheat creditors of their money.

So, if you are able to pay but still want the company to convince creditors that you don't have the means to, National Debt Relief will not entertain your request. Creditors need proof that you are really unable to afford the payments. You must actually be in serious financial hardship if you come for debt settlement.

Clients who are eligible for debt settlement don’t see much room for making progress with their finances and considering an alternative to filing for bankruptcy. Such hardships can be the result of unemployment, medical expenses, divorce, a death in the family, or any other type of loss of income.

If you meet some or all of these requirements, then you are most likely eligible for and may even benefit from National Debt Relief’s services. However, you must understand that this is a serious step that damages your credit and also incurs additional fees and even lawsuits. Debt settlement must be considered only in the most extreme cases.

National Debt Relief Program Reviews

Application process

Applying for National Debt Relief’s services is done online and is usually completed in a couple of minutes. You can first talk to certified debt counselor on the website if you are unsure or have questions and concerns regarding debt settlement.

Otherwise, you can directly start the online application process, which involves providing your basic information, like name, phone number, email address, and total debt amount. With this information, National Debt Relief gives you a free debt relief quote and also lists the services available to help you.

Once you get this free quote, it is recommended that you talk to an independent debt counselor who can weigh your financial situation and offer an unbiased opinion.

During the process

When debtors personally talk to creditors and collectors about debt settlement, they almost always hear a NO. They think the same will happen when they hire the services of a debt settlement company. Clients are asked not to be discouraged because National Debt Relief arms you with advice and resources as during the settlement process.

Once enrolled in debt settlement, you must keep all documentation of your communication with creditors, including emails, letters, bills, and statements. Record phone conversations or note down the time and date and details of the conversation.

You must also request the other party to do the same. If you want to cease communication with your creditors, the agency can help you achieve this effectively and legally.

Typically, National Debt Relief typically advises clients to include all of the creditors in the process. Remember there are no fees charged until the settlement. It is not possible to calculate a fixed rate because fees vary depending upon where you live and how much debt you have.

Special features

National Debt Relief has several benefits. It is an accredited organization with A+ ratings. Secondly, there are no upfront fees. When your debt is resolved, you pay a small percentage of the amount to the company. National Debt Relief offers complete transparency.

There no sales tactics and no pressure; all you get is the help you need. National Debt Relief creates a payment plan that you can afford and stick to. You don't end up spending all your savings and even have something saved for emergencies.

How Does National Debt Relief Affect Your Credit Score?

It depends on the specific steps that National Debt Relief takes regarding your debts. Some actions, like debt settlement, will hurt your credit score. Some actions, like a debt management plan, won’t affect your credit score but will prevent you from getting new loans and lines of credit. Other options, like debt consolidation, can improve your score over the long run.

Customer Reviews

Yelp Reviews

On the biggest online review site, National Debt Relief has an average score, with a mix of both positive and negative reviews. The positive reviews are all praise for the company. Most of the positive reviewers highly recommend this company to anyone seeking help with their financial situation, adding that the payment plan is within the budget, and the program helps credit score rise.

The customer service is also said to be good. However, the negative reviewers state that the reps are rude and ask clients the reason behind their predicament (though someone in this situation should recognize how they got there). Some have even said that the company pays to get good reviews.

Better Business Bureau Reviews

This is another popular site to find consumer reviews about a company. National Debt Relief has over 200 customer reviews on BBB, with an average rating of 4.7 out of 5, and a BBB Rating of A+. Most of the reviews are positive with the customers raving about the simple process and the excellent customer service.

The fees are also said to be within the budget and nothing too expensive. There are also a few negative reviews that complain about the staff having no knowledge of math’s or the decency to treat clients with respect.

Consumer Affairs Reviews

On Consumer Affairs, the company has over 17,000 five-star ratings, and over 2000 4-star ratings. That makes it an above average company. Most customers have said that the company makes it easy to understand the debt settlement process by breaking it down and simplifying it.

The customer service has been said to be really helpful and polite, with the reps going out of their way to make sure clients understand the process. From the reviews on consumer Affairs, National Debt Relief seems like a genuine company that helps clients be free from the pressure of creditors and the burden of debt.


We want to make sure that all of your questions about National Debt Relief get answered. That’s why we put together this helpful FAQ. Use this information to get a better understanding of National Debt Relief and decide if the program is right for you.

National Debt Relief Basics

This section covers the basic questions people have about National Debt Relief. Use the information in this section to get a better understanding of how the company works so you can move on to more advanced questions.

What is National Debt Relief Program?
The National Debt Relief Program is the system of financial tools and negotiations they use to help you get out of debt. Everyone’s debt is different, so the program is different for everyone.
How Does National Debt Relief Work?
National Debt Relief uses a combination of negotiations and financial products to help you get out of debt. Everyone’s debt is different, so everyone’s program is a bit different too.
How Much Does It Cost to Use National Debt Relief?
The cost to use National Debt Relief depends on lots of different factors. You’ll only pay when the company is successful in their efforts, so there’s no single answer to this question.
Who is the Best Debt Relief Company?

Every debt relief company has its own strengths and weaknesses. That’s why we recommend talking to the different debt relief companies to see who can work out the best deal for you. If you're wanting someone local you can also just search debt consolidation companies near me.

Is National Debt Relief Free?
No, National Debt Relief isn’t free. You’ll pay a percentage of the debts that they help you remove in turn for their services.
Does National Debt Relief Work?

For many people yes. You’ll want to talk to them to find out what they can do to help out with your specific debt situation. Read more: How do debt relief programs work?

How Good is National Debt Relief?
National Debt Relief is one of the most popular and well-respected debt relief companies in the country. They’re very good at helping people find ways to get out of debt.
Is National Debt Relief a Settlement Company?

Debt settlement is one of the tools that National Debt Relief can use to help you get out of debt. However, it’s not the only one, so check with them to see what they can offer you. Also take a look at what debt management companies offer.

Is National Debt Relief Stressful?

It’s no more stressful than dealing with debt. After all, collections calls and bills piling up can be extremely stressful. National Debt Relief will work to alleviate that stress. They even have a student loan debt relief program.

Where to Send Documents to for National Debt Relief?
You can send documents for National Debt Relief through their client portal. You can get to the portal by clicking the following link:
Does National Debt Relief suggest Bankruptcy?
Not usually. National Debt Relief takes great strides to find debt solutions that don’t involve declaring bankruptcy. They use a combination of negotiation and different financial products.
Will National Debt Relief Lower Payments?
Usually. National Debt Relief will talk to your creditors to help you lower your monthly payments. As a result, you’ll be able to get current on your bills again.
Who Qualifies for National Debt Relief?

Anyone with a debt of at least $7,500 can qualify for help from National Debt Relief. You’ll need to check with them to see if you qualify because there are certain debts the program doesn’t work with. For example ask if they help with tax debt.

What States can Use National Debt Relief?
National Debt Relief does business in all 50 states. That means that no matter what state you live in, you can look to National Debt Relief for help.
What is National Debt Relief Debt Reset Program?
National Debt Relief’s debt reset program is the combination of tools and tactics they use to help you eliminate your debt. The program works differently for everyone because everyone’s debts are different.

National Debt Relief Company Facts

Lots of people want to know more about National Debt Relief as a company. We’ll answer those questions here.

Is National Debt Relief a Legit Company?

Yes, National Debt Relief is a legit company. They’ve operated for a long time and have helped hundreds of thousands of people deal with their debt issues. There are also Freedom Debt Relief scam rumors that aren't true. So compare reviews and decide for yourself which company to go with.

Who Owns National Debt Relief?
National Debt Relief is a private company and its ownership details aren’t public record. However, Mr. Alex Kleyner is the CEO of the company and Mr. Daniel Tilipman is the president of it.
Is National Debt Relief a Reputable Company?
Yes, National Debt Relief is a well-known and respected debt relief company. Financial companies and consumer advocates have all endorsed them.
Is National Debt Relief Safe?
Yes, National Debt Relief is safe. They’re a nationally known company and have been in business for years. Many people have gotten help with their debt from National Debt Relief.
Is National Debt Relief Legal?
Yes, National Debt Relief will only use legal and approved debt reduction methods to help clients get out of debt and get their finances back on track.
How Long has National Debt Relief Been in Business?
National Debt Relief was founded in 2009. That means, as of this writing, they’ve been in business for nearly a decade and have helped thousands of consumers.
What the Difference Between National Debt Relief and Curadebt?
They’re simply different companies. You should talk to both of them so you can determine which company can do a better job of helping you.
How Reliable is National Debt Relief?
National Debt Relief is very reliable. They’ve helped hundreds of thousands of consumers get out of debt. Give them a call and see if they can help you too.
When was National Debt Relief Founded?
National Debt Relief was founded in 2009, so they’ve been in business for a decade. During that time they’ve helped thousands of people get out of debt.
Is National Debt Relief Nonprofit?
No, National Debt Relief is not a nonprofit company. They make money for their services in helping people reduce their debt and boost their credit score.

National Debt Relief and Credit Scores

One of the biggest reasons people are interested in National Debt Relief is because of issues with their credit score. This section covers your questions about how National Debt Relief interacts with your credit reports.

How Does a Debt Relief Program Affect Your Credit?
Credit is very complex, so a debt relief program can affect your credit in many different ways. You’ll want to talk to a credit expert to see how a debt relief program will affect your credit score.
Does National Debt Relief Affect Your Credit Score?
It can. However, credit scores are a very complicated matter. Everyone’s credit score will be different. Most people that successfully complete National Debt Relief’s programs will see a boost in their score.
Does the National Debt Relief Stay on Credit File?
Once you complete a debt relief program it will age off of your file. The immediate impact of a debt relief program can be positive or negative, depending on several factors.
How Fast can National Debt Relief Raise My Credit Score?
That depends on lots of different factors. Your credit score is unique, no one else has the same credit history as you do. That means you’ll need to talk to National Debt Relief to see how fast they can help you.
Will National Debt Relief Remove Paid Collections from Credit Report?
Possibly. That decision is based on the company that originally discharged the debt. National Debt Relief can help you negotiate with that company to get the collections removed.
How to Fix Credit After National Debt Relief?
The best way to fix your credit after national debt relief is by making regular, on-time payments on your bills. You can also use things like a secured credit card to help boost your score.

Understanding Consolidation Loans

Consolidation loans can be a great way to get out of debt. This section answers questions people have about consolidation loans.

Do Debt Consolidation Loans Hurt Your Credit?

Not usually. You’ll see a small drop from the credit inquiry, but that’s it. In fact, if you’re consolidating credit card debt, then consolidation loans can actually boost your score. Use a debt consolidation loan calculator to see if this option makes sense for you.

What is the Best Debt Consolidation Company?
There’s no one best debt consolidation company. You should talk to different companies like National Debt Relief to find out what kind of deal they can offer you. Pick the company that offers you the best deal.

Working With Creditors

Working with creditors can be hard. This section covers your questions about what it’s like to work with different creditors, both with National Debt Relief and without.

Can You Negotiate with Creditors?
Yes, any credit relationship is a business deal. That means you can always at least try to negotiate with creditors. However, that doesn’t mean that a creditor has to work with you.
Can You Negotiate with Credit Card Companies?

Yes, credit card companies are usually willing to work with you. That’s because it’s better for them to get some payments, even if they’re reduced, than for them to deal with missed payments. Another option is you could just consolidate credit cards with a loan.

How Long is a National Debt Relief Negotiation?
It all depends on your particular debts. National Debt Relief tries to make the negotiations happen as fast as possible. However, they need your creditors responses to finalize everything.
Does National Debt Relief Work with Chase Credit Card?

National Debt Relief will work with Chase in an effort to get your debts resolved. You’ll need to talk to them for more specific information about your credit card debt. They do offer mostly national credit card relief.

Does National Debt Relief Prevent Getting Sued?
It can. If a creditor is going to sue you and finds out that you’re working with National Debt Relief, then they might take that as a good-faith effort that you’re trying to get your debts repaid.

Other National Debt Relief Questions

This section covers the questions people have about National Debt Relief that don’t fit into the other categories of this FAQ.

How Much Were Your Monthly Payments with National Debt Relief?

Everyone has different payments for National Debt Relief because the nature and structure of everyone’s debt is different. Talk to the company to find out what your payments will be. If you score is low and you don't think you'll qualify learn more about unsecured debt consolidation loans bad credit options.

Can I Move a Payment for National Debt Relief?
You’ll need to call the company directly to see if they can move your payment date. Most companies are flexible about moving your date as long as they receive payment in full.
Can National Debt Relief Work on Medical Bills?
Sometimes. You’ll need to contact National Debt Relief directly to find out what they can do about your specific debt situation. Usually, medical companies will work with National Debt Relief.
How to Cancel National Debt Relief?
You can cancel National Debt Relief at any time by calling the company’s customer service line. The representatives will walk you through the cancelation process.
How to Get Off the National Debt Relief Mailing Lists?
You can get off the National Debt Relief mailing list by filling out an opt out form with the company. You can get the opt-out form at
How Can I Get Out of Debt with No Money?

There are a few options how to get out of debt with no money. Bankruptcy is the most common answer, but a credit and debt specialist can help you find solutions for your particular situation.

Understanding Debt Settlement

This section takes a look at debt settlement. It answers basic questions you have about the debt settlement process and how it works.

Is Debt Settlement Really Worth It?

Sometimes. That’s a decision you’ll want to make on a case-by-case basis. If you’ve got the ability to settle a debt and the benefits of doing so outweigh the harms, then it’s worth it. You can try seeing what the figures look like with a credit card debt payoff calculator and then decide if settlement is your best option.

How Long Does Debt Settlement Stay on Your Credit Report?
Debt settlement will stay on your credit report for 7 years. The debt will be listed as paid for less than owed on your report.
How Bad Does Debt Settlement Hurt Credit?
That depends on lots of different factors. IF you’re considering debt settlement, then there’s a good chance your credit score has already taken some hits. The lower your score already is, the less debt settlement will hurt it.
Is Debt Settlement a Good Idea?

It is for many people. If you don’t have the ability to pay your bills on time and are tired of collection calls, then debt settlement might be a good way to restart your financial life. This can be the fastest way to pay off credit card debt for some.

Final words

National Debt Relief is chosen by many for many reasons, including their transparency, customer service, and zero upfront fees. However, since this is a big step, always remember to read the fine print carefully. It is the duty of the customer to read the terms and conditions carefully, instead of later blaming the company. If something isn’t clear, make sure to discuss your queries and concerns before starting the process.

Debt settlement may or may not be a suitable option for your case. Therefore, always consult a debt professional before making a decision. If you decide that debt settlement is your only option, National Debt Relief can be reached on a toll free number 800-300-9550, Monday to Friday 8:00am to Midnight EST, and Saturday 10:00am to 10:00pm EST.

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Elizabeth Johnson

Elizabeth is an expert on Debt Consolidation as she provides helpful advice to people who are dealing with debt problems. She graduated college with a BS in Finance. After college, she took a job working at a non-profit debt counseling program. It was at this position where Elizabeth honed her expertise for helping people understand how different financial products work and finding ways to help people pay off their debts.