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Education News Simulator Your Money Advisors Academy Credit & Debt Debt Management National Debt Relief Review National Debt Relief can help you settle your obligations for less than what you have to By Holly Johnson Updated January 13, 2023 Reviewed by Margaret James Facts checked by Katrina Munichiello We recommend the best products through an independent review process, and advertisers do not influence our choices. We may receive compensation if you visit our partners that we recommend. Read our advertiser disclosure for more info. National Debt Relief logo Investopedia's Rating 4.6 Request a Quote Our Take National Debt Relief is a highly rated debt relief firm that offers a free consultation with debt counselors who are able to help. Founded in 2009, this firm helps consumers settle debt for less than they have to pay. Our independent evaluation of debt relief businesses, National Debt Relief earned the highest ranking as "best in all." Pros & Cons Important Takeaways Company Overview Pros No upfront fees for settlement Free consultation can assist you in comparing your options Client portal allows you to monitor your progress live Cons The cost of fees can be as high as 25% of your settled credit No mobile app available with the program. National Debt Relief logo Overall rating 4.6 Get an Estimate Table of Contents Pros Explained Pros and Cons explained Debt types addressed Client Onboarding Customer Service Company Reputation Average Amount of Relief Average Time for Relief Cost The Concurrence Final Verdict Methodology National Debt Relief is a business that offers relief through an approach known as debt settlement. Its goal is to assist consumers in getting out of debt. Through the process of debt settlement, it's possible to set aside an amount of money in a savings bank account each month until you're ready to "settle" to settle your financial obligations to pay less than what you are owed. You'll pay National Debt Relief a percentage of the debts that they settle however, only when you get results. This firm claims that even after accounting for their fees, customers can save up to 30% and 50% of the original debt by the time the process is complete. A no-cost consultation can assist you in deciding whether debt settlement is the best option for you. The process of settling debts can do damage to your credit score as you stop paying your debts as part of your plan. Be sure to understand the benefits and disadvantages of debt settlement before you proceed, and shop around with various debt relief businesses before making a choice. Pros Explained There are no upfront fees for settlement There are no upfront fees for settlement. National Debt Relief, you only pay for results. Fees are charged in the form of a percentage of debt settled and only after the negotiation is completed. A free consultation is a great way to determine your options: You are able to contact National Debt Relief to speak with a debt counselor for no cost. The consultation will give you the opportunity to ask questions and determine what debt settlement options are best for you. Client portal lets you track your progress live Contrary to other debt relief firms, National Debt Relief has an online client portal which lets you monitor your program and follow the process of settling your debt at any time of the day or night. Pros and Cons Explained Fees can reach up to 25% of the amount you have settled debt. Some companies that we have independently researched offer fees at a lower percent than National Debt Relief. No mobile app available with the program: Although National Debt Relief does have an online client portal, this debt relief service doesn't provide a mobile app that lets you track your debt settlement plan while on the move. Types of Debt that are addressed National Debt Relief aims to assist consumers in paying off unsecured debt, which includes any type of debt that is not secure by collateral. The good news is that this organization has a debt qualifications page on their website where they explain which debts do not are eligible. The principal kinds of debts they deal with are highlighted below. Credit card indebtedness If you're in due on a standard credit card or a store credit card, National Debt Relief can help you settle for less than you have to pay. This applies to major credit cards such as American Express, Visa, or Discover and co-branded cards from retailers like Kohl's or Sears. Personal loans and payday loans You can also negotiate with and settle any personal debt you may have, such as personal loans from an online or bank or even payday loans. Installment loans are also eligible. Business debts Business debts can also be negotiated and settled at a lower rate than what the amount you are currently owing. National Debt Relief says these loans are not unsecured and that they would prefer to help resolve debts of businesses that have already been shut down. Medical bills that are not paid National Debt Relief can also aid you in paying less than you owe toward your medical expenses. Negotiations can be successfully completed with doctor's offices, hospitals as well as other medical facilities. Back rent If you're behind on paying your rental, you might be able to negotiate the amount due in arrears. However, you are able to negotiate the debt if you have ceased to be an resident. Private student loans You may also be able to settle debt linked with private school loans for less than your balance. Note the fact that Federal student loans do not qualify to be a debt settlement. You can combine more than one type of debt into a debt settlement program. If you're in debt from credit card debt, medical bills, and other business debts, for instance, National Debt Relief can help you settle the entire amount in your plan. Client Onboarding The first step to begin using National Debt Relief requires you to make an appointment for a free consultation. During this conversation with a debt advisor and debt counselor, you will discuss your situation and your finances and then learn the length of time the process of settling your debts could be and how much you could save. National Debt Relief states that you must owe at least $7,500 in order to be eligible for their assistance. It is also necessary to not be "several months behind in your payments" since creditors won't be enticed to negotiate if you're up-to-date with your bills. If you aren't able to pay off enough debt to be eligible for the debt settlement program then you may want to look into other options like credit counseling, Debt management plans (DMPs) or the debt consolidation loans. Customer Service One benefit when working with a debt relief company is that they know the debt collection laws and regulations both inside and outside. For example, National Debt Relief states their experts and debt counselors can assist you with how to navigate the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act as you settle your debt. This firm offers customers with customer service via email and telephone. For your no-cost debt assessment, you can call in to speak with an adviser on Monday through Friday between 8 a.m. until midnight EST and also on Saturday between 10 a.m. until 10 p.m. Existing customers can reach out for phone assistance Monday through Friday from 10 a.m. to 8 p.m. National Debt Relief doesn't offer mobile apps or an online chat function, so there are fewer options to get assistance than some of the providers provide. However, their numerous positive reviews from customers boast of prompt response time and the willingness to help. Company Reputation The debt relief industry has many scams, which is the reason it's crucial to research companies before you sign up for their services. One way to accomplish this is by using the Consumer Financial Protection Bureau (CFPB) database that lets you find complaints of users from companies offering debt settlement. This company scores an average of 4.7 out of 5 stars in nearly 35,000 reviews posted by users on Trustpilot. Due to their outstanding reviews and rankings by third parties, National Debt Relief received one of the top scores for reputation of the company in our independent study. If you are unhappy regarding the services provided by an organization for debt relief you may make a complaint to the FTC or contact 877-FTC-HELP. Average Relief Amount National Debt Relief states that the amount you can save varies based on a variety of elements. However, most people can save between 30% and 50% off the original amount of debt as well as those savings are realized even after taking into account the costs you pay for your credit settlement plan. Average Time to Relief Settlement of debts via National Debt Relief should take between 24 and 48 months in total that's the standard for other firms. The length of time it will take to complete your plan can depend on the amount you owe, how much you can save each month, as well as other factors such as how willing lenders are to negotiate. Cost National Debt Relief says their average client pays a fee of between 15% and 25 percent of the debt they enroll within their programs. The fee is only charged when results are reached and debt has been settled at a lower rate than the original amount. In general, their fee ratio is at the same level as industry averages. The Competitor Accredited National Debt Relief Debt Relief Year Founded 20092011 Accreditation - Accredited with the American Fair Credit Council (AFCC) Accredited by the International Association of Professional Debt Arbitrators (IAPDA) -- Accredited with the American Fair Credit Council (AFCC) - Not accredited with the International Association of Professional Debt Arbitrators (IAPDA) Services AvailableDebt settlement Settlement of debt Customer Service TouchpointsFree consultation; Phone and email customer support; Online client portal for free consultation; Telephone and email customer service Fee : No upfront charges and pay between 15% and 25 percent of your debtNo upfront fees; pay 15% to 25 percent of your debt Average Program Time 24 to 48 monthsBetween 24 and 48 months We chose to compare top-rated National Debt Relief to Accredited Debt Relief Accredited Debt Relief, a debt relief firm that received the second-highest ranking in our independent study. Both companies received excellent rankings from Investopedia according to its customer support, business reputation, fees, and services they offer. Additionally, both companies offer the same duration of the program from 24 to 48 months. They also provide a no-cost consultation as well as costs that range from 15% and 25% of your settled debts. With that being said, National Debt Relief stands apart due to its IAPDA accreditation. National Debt Relief also offers a helpful online portal that lets customers oversee their program and track their progress at any point of the night or day. Final Verdict In the final analysis, there is no debt relief company that we would recommend more then National Debt Relief due to its outstanding service, low cost and fees, and the quality of its customer service. National Debt Relief scored an average rating in the range of 4.63 out of 5 possible stars in our research study, whereas the average firm scored only 3.56. If you have at least $7,500 in unsecured debt you hope to settle and you're in need of help, reach out to National Debt Relief for a no-cost consultation. There are no upfront fees required, and you can determine whether debt settlement is a good idea with no commitment. Request an Estimate How We Review Debt Relief Companies Investopedia has conducted an independent study which compared over 15 different debt relief companies according to their customer service, their ranking and reputation for their business in terms of the range of products they offer, their pricing, and transparency. We searched for debt relief firms with positive reviews, testimonials from customers, customer access to service, and crucial information regarding their plans clearly posted online, and firms that have excellent ratings from third-party sources. Ultimately, National Debt Relief scored the highest score of 4.63 out of 5 stars in our ranking, which earned them the top spot in our ranking as "best in all." Related Articles A man at a desk with a laptop and phone appears to be worried. Debt Management Debt Settlement: A Guide for Negotiation Note with words for debt relief on table Debt Management Debt Relief Review Methodology Debt Management Debt Settlement Cheapest Way to Get Out of Debt? Debt Management What You Need To Be aware of Bankruptcy 6 Common Credit Card Mistakes Tips and Tips and 6 Major Credit Card Mistakes An anxious person looks at the student loan bill Debt Management Do I need to make partial payments on my debt? If you are you looking for more on Payday Loans Near Me (https://www.shishmahal.co.uk/about-us-type-2) look into our page. |
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