National Debt Relief Reviews 2025

Introduction

If you’re overwhelmed by credit card balances, collection calls, or high-interest debt, finding a trustworthy company can make a big difference. National Debt Relief is one of the largest and best-known debt settlement companies in the U.S. This review takes an in-depth look at how the company works, what services it offers, how much it costs, and what real customer reviews reveal. We checked official sources such as the company’s website, the Better Business Bureau, and FTC guidance to provide an objective and transparent overview. Our goal is to provide the information you need to make a confident, well-informed decision, not to persuade you one way or the other.

• Compare National Debt Relief with other top-rated debt relief companies.

How National Debt Relief Works

National Debt Relief focuses on negotiating unsecured debts, such as credit cards and personal loans, to reduce the total amount owed while consolidating payments into a single monthly amount.

Initial Consultation

The process starts with a free consultation, where a representative reviews your financial situation, including debt types, amounts, and monthly budget. They explain how debt settlement works and check whether you qualify. You can contact them by phone at (866) 598-9148 or access your account through the National Debt Relief login portal once enrolled.

Case Evaluation

If you qualify, National Debt Relief presents a personalized program that includes the estimated monthly payment, the expected timeline for settlements, and potential impacts such as credit score changes or collection activity. You receive full cost disclosures upfront ensuring there are no hidden fees or surprises later.

Program Selection

Most clients enroll in the company’s core debt relief program. Most clients choose this program because it offers the most direct and realistic path to reducing overall debt and becoming debt-free faster than making minimum payments or managing multiple accounts on their own. Instead of paying creditors directly, you make one structured monthly payment into a dedicated account. Once enough funds accumulate, negotiators reach out to creditors to settle for less than the total balance. This process can take several months depending on the amount of debt and creditor responsiveness.

Execution

The negotiation team works with creditors to reach formal written agreements. Once both parties agree, funds from your account are used to pay the settled amount. You can track progress, balances, and agreements through the company’s online portal. Communication continues throughout the process so clients stay informed.

Ongoing Support

National Debt Relief maintains consistent contact with clients during the program, providing updates, documentation, and settlement confirmations. Clients can also reach out directly to a representative via the National Debt Relief phone number (866) 598-9148 for assistance at any point.

• Prefer to see alternatives side by side? Compare National Debt Relief with other top-rated debt relief companies.

Who It’s Best For

Best for individuals with high unsecured debt who are looking for a structured negotiation program and are prepared for the temporary credit impact and potential collection activity during the process.

Stand Out Features

Large National Provider National Debt Relief is one of the largest debt settlement companies in the U.S., giving it significant negotiating experience with major creditors. Single Monthly Payment Clients make one consolidated payment, which builds a settlement fund used to pay reduced amounts once agreements are reached. Clear Contact Channels The company publishes a dedicated phone number (866) 598-9148 and provides ongoing access to support through online tools and representatives. Easy Online Access Through the National Debt Relief login portal, clients can track settlements, review agreements, and upload documents securely. BBB Accreditation National Debt Relief has a strong presence on the BBB with an A+ rating and thousands of verified reviews, signaling credibility in the industry.

Pros and Cons

Pros

• One structured monthly paymet instead of multiple creditor bills.
• Extensive negotiating experience as one of the largest providers in the industry.
• Clear communication channels, including a published phone number and online portal.
• BBB accreditation and positive reputation.
• Transparent fee structure presented upfront.

Cons

• Debt settlement can negatively impact credit scores.
• Not all creditors agree to negotiate.
• Program requires consistent monthly payments over time.
• Fees are charged only after a settlement is reached but can be significant.

Is National Debt Relief Legit?

Yes. National Debt Relief is a legitimate debt settlement company with over a decade in business, an A+ BBB rating, and a strong presence in the U.S. market. The company is subject to FTC Telemarketing Sales Rule regulations, which prohibit upfront fees for debt settlement services sold by phone. The BBB profile lists thousands of customer reviews and complaints, most of which are resolved. This level of visibility and regulatory oversight provides consumers with additional layers of protection.

Common Questions (People Also Ask)

What is National Debt Relief? It’s a U.S.-based debt settlement company that helps consumers reduce unsecured debts through negotiation programs. How does National Debt Relief work? You make one structured payment while the company negotiates with creditors to settle your debts for less than what you owe. Is National Debt Relief legitimate? Yes. National Debt Relief is a well-established debt settlement company with an A+ BBB rating. The company meets regulatory requirements and operates under FTC Telemarketing Sales Rule guidelines. Does National Debt Relief work? Many clients report successful settlements, though results vary by creditor and payment consistency.

Final Verdict

National Debt Relief stands out for its scale, clear communication, and strong BBB presence, making it one of the most recognizable names in the debt settlement industry. Its structure of a single monthly payment and experienced negotiators can make repayment simpler and potentially less expensive for qualifying consumers. However, debt settlement isn’t a quick fix. It can temporarily hurt your credit score and requires consistent payments and patience throughout the negotiation process. Always review program terms, fees, and timelines carefully. Overall, National Debt Relief is a legitimate and established option for individuals with unsecured debts seeking structured negotiation and clear support channels.

• Explore more options in our full Debt Relief Buyer’s Guide.