TopTenREVIEWS - Gold Award - Awarded for excellence in design, usability and feature set

Finding yourself in a financial situation where you are unable to make your minimum monthly payments is a terrifying prospect for responsible people who take pride in paying their bills. Unfortunately, even the most respectable people among us can get to a place where debt overwhelms them. National Debt Relief is a debt settlement firm that counts these people as its clients.

National Debt Relief earns the TopTenREVIEWS Gold Award for debt settlement services for many reasons. The company has the best track record for aggressively settling debt of all the debt relief service we reviewed. But aside from that, National Debt Relief offers a great deal of tools that help you get out of debt, such as an online budget calculator, a fee journal and a creditor collection call log.

Add those features to the commanding amount of informational content about debt the company makes available for free on its website and you get a debt relief service that is really hard to beat. The result is not only a top-notch debt settlement firm, but also a great learning resource for everything related to debt relief. We have no qualms about placing this debt management service at the top of our review.

Services
Compare
10/10
National Debt Relief
CuraDebt
Oak View Law Group
Premier Financial Debt Help
Coastal Credit Solutions
Debtmerica
Freedom Debt Relief
Debt Help Plan
10
7.5
7.5
10
10
7.5
5
7.5

The basic idea behind National Debt Relief is simple. When you sign up for service, you create a special account into which you deposit an affordable amount of cash monthly. National Debt Relief then starts to negotiate with your creditors for a settlement that is less than what you owe. When your creditors accept a settlement amount, the monies in the special account are used to pay your creditors.

While the concept is simple, the process can take a long time. Don't expect to get out of debt immediately. If you are not already receiving them, you should also expect to receive collection calls and letters from your creditors when National Debt Relief starts active negotiation.

Receiving these debt collection attempts can be nerve racking, so National Debt Relief has several features that help you cope with potential harassment from your creditors. This comes in the form of a call log you can keep on the company's website. When you receive a collection notice or call, you handle it the best you can and then record the details of the call on National Debt Relief's website. This helps National Debt Relief track collection attempts and gives the company invaluable information to use during negotiations.

If you feel that a creditor is harassing your or is otherwise breaking the law, National Debt Relief provides a link on its call log that leads you an FTC website where you can submit a complaint. This is just one of the many tools that National Debt Relief provides to help customers fight unfair collection practices while they negotiate a debt settlement.

National Debt Relief also owns two additional debt settlement outlets that go by the names Eagle One Debt Solutions and Fast Debt Settlement. The only difference between these two companies and National Debt Relief is their names. When you call either Eagle One or Fast Debt, National Debt Relief employees answer the phone, and you should expect the same level of service from all three companies.

Costs
Compare
8.8/10
National Debt Relief
CuraDebt
Oak View Law Group
Premier Financial Debt Help
Coastal Credit Solutions
Debtmerica
Freedom Debt Relief
Debt Help Plan
8.8
10
9.4
6.3
6.3
6.3
6.3
6.3

The cost of National Debt Relief's services depends on your income, how much you owe, how much you can afford to pay toward settlements each month and several other considerations. National Debt Relief's fee is a calculated percentage of the savings you enjoy when a debt is settled. While the percentage varies on a case-by-case basis, the average is generally about 20 percent.

Aside from the money you pay into your settlement account, you don't pay any out-of-pocket fee to National Debt Relief, and there is no upfront fee for its services. The company can do this because it does not accept every applicant as a client. The company has a strict policy against accepting customers who do not fall into its parameters of acceptable clientele. Nor will the company attempt to settle debt that is outside its field of expertise.

Additionally, this debt management service goes to great lengths to make sure that every potential client understands not only the benefits, but also the risks of debt settlement. For example, in the rare case that National Debt Relief cannot come to an agreement with one or more of your creditors, you are liable to repay the entire balance of your owed debt. National Debt Relief makes sure that every client understands this before they deposit a single dollar into their settlement account.

Ease of Use
Compare
10/10
National Debt Relief
CuraDebt
Oak View Law Group
Premier Financial Debt Help
Coastal Credit Solutions
Debtmerica
Freedom Debt Relief
Debt Help Plan
10
10
10
10
10
6.9
10
6.9

Once you sign up for National Debt Relief's service, you get access to all the tools on the client side of the company's website. These tools include features ranging from online account management to fee journals, fee schedules, collection-attempt logs, budget calculators, settlement letters and more. It truly is more than just a debt settlement service because it provides the tools you need to get out of debt and stay that way.

 

Affiliations
Compare
10/10
National Debt Relief
CuraDebt
Oak View Law Group
Premier Financial Debt Help
Coastal Credit Solutions
Debtmerica
Freedom Debt Relief
Debt Help Plan
10
10
5
5
10
6.9
3.8

There are many smaller and shadier debt settlement companies out there that give the industry a bad name. In an effort to combat those who would take advantage of people's financial hardship, and to protect their own reputations, several debt settlement firms banded together to create industry watchdog groups. Chief among these is the International Association of Professional Debt Arbitrators, of which National Debt Relief is a proud member.

National Debt Relief is also an accredited member of the American Fair Credit Council. To maintain this accreditation, National Debt Relief must adhere to AFCC's code of conduct. This code stipulates that its members must follow all federal and state regulations regarding debt settlement. The organization also requires members to be honest and truthful, have a great deal of transparency in their business practices and charge reasonable prices, among other conditions.

Furthermore, National Debt Relief is a member of the U.S. Chamber of Commerce. Memberships in associations like this enhance National Debt Reliefs bona fides as a trustworthy company that is committed to its clients' best interests.

Help & Support
Compare
10/10
National Debt Relief
CuraDebt
Oak View Law Group
Premier Financial Debt Help
Coastal Credit Solutions
Debtmerica
Freedom Debt Relief
Debt Help Plan
10
10
10
6.9
10
6.9
6.9
6.9

We contacted National Debt relief using every customer service option it offers. We never had an interaction with the company that we felt was substandard. It offers all the options we look for, including phone, email and live chat. While they all work perfectly well, if you need help immediately, live chat is the best way to get an answer quickly.

 

National Debt Relief Summary:
9.8/10

In the final analysis, we put National Debt Relief at the top of our side-by-side comparison because it offers the most comprehensive service. The company does this for a reasonable fee and is trustworthy. Not only does it make all the proper disclosures, but it also publishes a great deal of free content about debt management on its website that is available to all. Additionally, the company not only negotiates in good faith with your creditors, but it also gives you the tools you need to take command of a situation in which most people feel like they've lost all control.

 
 
 

National Debt Relief

Pros
National Debt Relief provides a great deal of information on its website so that you can decide if debt settlement is right for you before you give the company your personal information or sign up for services.

Cons
There are two other names that National Debt Relief goes by, which can cause some initial confusion.

The Verdict
: 9.75/10

The scope of the company's service and the tools it provides to its customers make National Debt Relief a hard debt settlement company to beat.