National Debt Relief

Laura W 

on BBB

a month ago

They specialize in debt settlement, not debt consolidation or nonprofit credit counseling.Debt settlement usually works by having you stop paying creditors while you build up savings for negotiated settlements.That process can seriously hurt your credit, increase collection calls, and sometimes lead to lawsuits from creditors before settlements happen.Fees are typically substantial often around 1525% of enrolled debt. Again your credit gets trashed. 

Loren G 

on BBB

a month ago

I am very disappointed with my experience with National Debt Relief. While they were able to settle some accounts, they were ultimately unable to negotiate two of my credit card debts after years of waiting, fees, and damage to my credit.What frustrated me the most was the lack of communication, follow-up, and transparency throughout the process. I repeatedly asked for updates and clearer information regarding my accounts, but I often felt that I was given vague responses. When I finally asked why it had taken so long to tel... read more

Laura P 

on BBB

a month ago

I have unfortunately been doing business with National Debt Relief for the past 3 years. I have consistently paid on time and closely and diligently kept track of the numbers. In 5/2026, they came out with a new dashboard which ridiculously inflates the numbers of the debt I put in, and how much they are "saving" me. This is complete fraud. Their numbers are complete lies to make the company look good. At the end of this nightmare, I'll be paying the complete debt I went in with, just a good portion of that money goes to ***... read more

Alex B 

on BBB

a month ago

They pay themselves first and foremost. You would be better off reaching out to creditors yourself. In a 30 day period they paid themselves $632 and my creditors $70 while a settlement was lost. They blamed insufficient funds in my dedicated savings account as reason for lack of funds despite pulling their own fees ahead of schedule due to the windfall created by losing a settlement. 

David C 

on BBB

a month ago

National Debt Relief is a dishonest program whereas you end up paying more than what was initially owed via legal fees, attorney fees, transaction and holding fees and thanks to their law firm ***********'s tactic to not pay on the credit cards until settlements are reached my credit score still suffered. I would have been better off getting a loan with a credit union or bank, or by claiming bankruptcy. I lost thousands of dollars, my credit score still suffered, and both the credit card companies and ***/Gitmeid Law made la... read more

NATALIA N 

on BBB

a month ago

DONT TRUST THIS PPL , THEY FAULSLY CLAIM TO HAVE LEGAL TEM, ANF NEVER PROVIDED TO YOU, CHARGING MORE UPFRONT UNEXPECTED FEE, MISLIDING ADS 

Eric G 

on BBB

a month ago

I strongly regret enrolling in National Debt Relief and would not recommend this program to anyone, especially individuals with strong credit. The company did not clearly explain the real consequences of the program. There was no meaningful transparency around how severely my credit score would be impacted. For someone entering with excellent credit, that should be a central part of the conversation, not something glossed over. I entered the program with an excellent credit score. As a result of following their process, my c... read more

Jasselyn R 

on BBB

a month ago

National Debt Relief is the worst company I have ever dealt with!!! The settle your debt in a lower amount and then **** you in fees!! When you add them together it's literally almost the same amount of debt you started with. Every representative tells a different story. None of them are the same! They withhold very important information from you. I enrolled with National Debt Relief on 8/28/2025 and I have not seen any improvement with payments to the credit card companies or on my credit! I have 3 credits and only one have... read more

Justin T 

on BBB

2 months ago

I have been continuously harassed and spammed via phone and email. I went online to get information. You are REQUIRED to submit and agree to be contacted (understandable considering there is no process to proceed online) I was contacted by a *** via email. I explained I needed to discuss with my spouse and I would contact back. I was contacted later that same day by ANOTHER *** while at work. This *** would not respect that I was at work and couldn't discuss my situation. I informed him I would discuss and could talk on Frid... read more