National Debt Relief Review
The largest pure-play debt settlement firm, with disclosed average outcomes and no fee until a debt settles.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
Fees run 15% to 25% of enrolled debt, at the top of the industry range, though nothing is charged until a debt settles. For $7,500+ of unsecured debt and a demonstrated hardship, National Debt Relief has no CFPB or FTC enforcement action on record and discloses average outcomes. Settlement still damages credit, and forgiven debt is usually taxable, so plan for both.
Skip it if you live in CT, OR, VT, WV or WI, or if a tax bill on forgiven debt would hurt.
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. Our editorial rating is 3.9 out of 5.
Best 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 fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with National Debt Relief, LLC. It is built from National Debt Relief, LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Debt Relief shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.