At a Glance
Rating Breakdown
About National Debt Relief
Founded in 2009 and headquartered in New York City, National Debt Relief has grown to become one of the largest and most recognized debt settlement companies in the United States. They've resolved over $5 billion in consumer debt and maintain an A+ BBB rating. NDR's scale gives them significant negotiating leverage with major creditors, often resulting in settlements of 40-60% of the original balance. Their IAPDA membership and consistent top-tier Trustpilot ratings reflect a commitment to ethical practices.
Key Features
Scale & Leverage
As one of the largest firms, NDR's sheer volume gives them negotiating power with creditors that smaller companies cannot replicate.
Money-Back Guarantee
If you're not satisfied within a specified period, NDR offers a full refund of fees paid.
Free Financial Tools
Enrolled clients get access to budgeting tools, financial education resources, and credit monitoring.
How It Works
Free Evaluation
Certified counselor reviews your debts and determines the best program.
Enrollment
Select which debts to enroll and set up your monthly deposit amount.
Negotiation
NDR's team begins negotiating with your creditors.
Settlement
You approve each settlement before payment. Fees charged only on settled accounts.
Completion
All debts resolved and you graduate from the program.
Services Offered
- Debt Settlement
- Debt Consolidation
- Financial Education
- Hardship Programs
Debt Types Handled
- Credit Cards
- Medical Bills
- Personal Loans
- Private Student Loans
- Store Cards
- Collections
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Large Credit Card Portfolio
Client with $85K across 8 credit cards and 2 personal loans.
Pros & Cons
Pros
- Largest settlement company by volume
- Available in all 50 states
- Money-back guarantee if not satisfied
- 15,000+ verified reviews
Cons
- Higher CFPB complaint volume (driven by large client base)
- Some affiliate fee variation
- Not best for business/MCA debt
User Reviews
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Frequently Asked Questions
Related Companies
Important Debt Relief Disclaimers
- Debt settlement programs may negatively affect your credit score. When you enroll, you typically stop making payments to creditors, which results in late payments, collections, and potential charge-offs on your credit report.
- There is no guarantee that a debt settlement company can settle all of your debts or reduce them by a specific amount. Creditors are not required to negotiate or accept settlement offers.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. You should not pay fees before a debt has been successfully settled. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt.
- Forgiven debt of $600 or more may be considered taxable income by the IRS. You may receive a Form 1099-C from creditors for canceled debt. Consult a tax professional about potential tax consequences.
- Creditors may continue collection efforts, including lawsuits, wage garnishment, and bank levies, while you are enrolled in a debt settlement program. A debt settlement company cannot guarantee protection from legal action.
- Alternatives to debt settlement include debt consolidation loans, credit counseling through nonprofit agencies, debt management plans, and bankruptcy. Consider all options and consult with a licensed financial advisor or attorney before enrolling in any debt relief program.
- Zogby does not provide debt relief services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
The information provided on this page is for educational purposes only and should not be considered financial, legal, or tax advice. Always consult with qualified professionals before making financial decisions.
Editorial Independence
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