National Debt Relief Review
The largest pure-play debt settlement firm, with disclosed average outcomes and no fee until a debt settles.
About National Debt Relief
The largest pure-play debt settlement firm, with disclosed average outcomes and no fee until a debt settles. National Debt Relief is offered by National Debt Relief, LLC and currently holds an average rating of 4.7 out of 5 across 43,400 user reviews. It falls into the Debt Relief category and tends to be the strongest fit for settling $7,500+ of unsecured debt with the category's cleanest record.
Editorial grade: B (composite score 77/100).
Highlights
- Settles unsecured debt; programs typically run 24-48 months
- No fee until a debt is settled and the payment plan is approved
- Average negotiation rate ~45% before fees (company FAQ)
What we like
- No CFPB or FTC enforcement action on record
- Transparent average-outcome disclosures, rare in this industry
- 4.7 Trustpilot rating across 43,000+ reviews
- Lower minimum debt than several rivals
Where it falls short
- Fees run 15-25% of enrolled debt, at the top of the industry range
- Not available in CT, OR, VT, WV, or WI
- Debt settlement itself damages credit and forgiven debt is usually taxable
Fees, minimums, and rates
Monthly fee: Up to 25% of enrolled debt, charged only after a debt settles. Minimum to open: Not stated on provider site. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
How we reviewed it
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of National Debt Relief, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Debt Relief shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.