They really care about your…
They really care about your situation.They always know what to say when contacted about a issue you need to get information about. I feel since I entered the program I'm in the best hands. Best decision ever
About National Debt Relief
Data updated- Website
- www.nationaldebtrelief.com
- Category
- Money & Insurance
- Location
- United States · New York
- Status
- Unclaimed
- Last 12 months
- 202 reviews
- Replies to negative
- 100% (11/11)
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Is National Debt Relief legit?
National Debt Relief (www.nationaldebtrelief.com) has a 4.7 out of 5 rating on OK.one, based on 202 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 94% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
Unprofessional Representative
For those who doesn’t know, you will have to quit paying on your accounts and wait for them to go into collections before many debt relief companies will try to negotiate with those creditors. I’m not criticizing the process, but I needed to explain it for context about my experience with this representative. I told the representative of my concerns that when my credit cards go into collections, they stay on my credit report for seven years even if paid off. The representative acted shocked and said that she never heard of that and it isn’t true. Then, I told her about another debt relief company that I talked to. When I gave her the name of the company, she professed that she never heard of them. I told her that the company is ranked just under NDR and she can see that on the web. Finally, I told her about the third debt relief company I talk to, and that this company negotiate immediately with the creditors. Instead of requiring me to stop payments to the creditors, they would negotiate with the creditors to lower my high interest rates on the cards from down of over 20% to lower rates between 1.9% and 9.9%. This time, she said she never heard of such a company doing this type of debt relief. This representative continue to try to talk over to me as I try to explain to her that although the difference of my monthly payments between the company that negotiate the interest rates would be a little higher than the monthly payments to NDR, there would be no collections on my report. In short, either this rude representative wasn’t properly trained, or was incompetent, or was just being very untruthful by pretending that she did not know anything about her competitors, or their approaches to debt relief or, or that the collections stay on your credit reports for 7 years.
Reply from National Debt Relief2026-07-24
Hello Jerry, We apologize that your interaction did not meet those expectations. Debt relief options can be complex, and we understand why you wanted to compare different approaches before making an important financial decision. You should never feel like you're being talked over or that your questions and concerns are being dismissed. Our goal is to provide clear, accurate information about our program while respecting that consumers may be exploring multiple solutions, including debt settlement, debt management plans, and interest rate reduction programs. Each option works differently and may have different impacts on monthly payments, creditor participation, and credit profiles. We encourage prospective clients to carefully evaluate all available options and choose the solution that best fits their individual circumstances. Thank you again for bringing this to our attention. We take feedback like this seriously. Please do not hesitate to reach out in the future should you require further assistance. You may also call between our hours of operation between 9:00 am-10:00 pm EST at 888-660-7427 . Thank you for considering National Debt Relief
I just applied for a home Depot card…
I just applied for a home Depot card and for the first time in about 10 years and I was approved for something. It almost made me cry.
So far everything promised is true
So far everything promised is true, o got a settlement and hope to finish paying the credit card debt in 2 years or less.
This company has worked hard to help…
This company has worked hard to help resolve my debts. They include me and also let's me make the decision on what is to be done. Thank you.
Fast and easy
Taking too long to make deals with my…
Taking too long to make deals with my creditors, want to charge me extra money after we made and agreement already, i am not happy with the process so far
Reply from National Debt Relief2026-07-23
Hello Lynden, Thank you for your feedback. Negotiations with creditors can vary depending on individual circumstances, as each creditor operates independently and has its own requirements and timelines. We understand that you expected a faster resolution, and we want to assure you that our goal is always to resolve debts as efficiently and quickly as possible. We apologize for any frustration or inconvenience this delay may have caused. Additionally, our goal is to maintain transparency throughout the process and provide clear expectations regarding all costs associated with our program, including any potential additional costs that may arise. We apologize for any misunderstanding regarding your agreement. A member of our team will be reaching out to review the details of your program and further discuss any questions or concerns you may have. You may also reach out to our Client Success Team by calling 888-660-7427. Thank you, The National Debt Relief Team
They help mi because I rely need the…
They help mi because I rely need the help they did everything they can to help and keep mi clam
Certainly reducing my debt in a timely…
Certainly reducing my debt in a timely manner.
Customer service was very informative
Customer service was very informative. Work well with me and keep me up to date with the status of my accounts.
I appreciate the work that this company…
I appreciate the work that this company does to help people get out of debt really nice personnel understands other people situation thank you very much for your service and support
The people have been supportive and…
The people have been supportive and honest and upfront with everything. They are also working pretty quickly on my debt resolutions. The payment is affordable and I feel very comfortable with everything.
No stress dealing with it
Helping you move on and looking towards a fresh start
The detail in which your staff explains the actions taken in negotiations and settling the debt. The way the staff seems to communicate their desires in making you feel better and looking towards a brighter future. Your people are just fantastic..
Getting Results
They were fast and continued to help me…
They were fast and continued to help me out. I’ve already had an offer. Kim was very supportive in assisting me after I was just released from the hospital and have been out of work for two weeks. She gave me options and also told me how it could affect my settlements and credit. Thankyou.
Great company who advocates for you
Very smooth process with many check ins…
Very smooth process with many check ins along the way. Thank you so much!
This is my 2nd time using their program
Solution.
Every time called with a question I was I given the answer right away. Very professional. I was never told they did not know the answer.