Best Debt Collectors
Based on In-Depth Reviews

National Debt Relief Overview:

Founded in 2009, National Debt Relief is a top-rated debt settlement company that has helped hundreds of thousands of clients reduce unsecured debt. Accredited by the American Association for Debt Resolution and rated A+ by the BBB, the company negotiates with creditors to settle debts for less than owed, offering a structured path toward financial recovery.

Eligibility Criteria:

The program is available to individuals with at least $7,500 in unsecured debt, including credit cards, personal loans, and medical bills. Applicants must be experiencing financial hardship and be able to make monthly deposits into a dedicated savings account.

Program Process:

Clients set aside funds each month while National Debt Relief negotiates with creditors. Settlements are presented for client approval. Most clients complete the program in 24 to 48 months, depending on debt amount and savings ability.

Fees:

Fees range from 15% to 25% of enrolled debt and are only charged after a settlement is reached and approved. This ensures clients don’t pay unless progress is made.

Impact on Credit:

The program may negatively impact credit scores in the short term due to paused creditor payments. However, settling and paying off debts can pave the way to rebuilding credit over time.

Customer Support:

National Debt Relief offers dedicated support via certified specialists and an online client portal for real-time progress tracking and communication.