National Debt Relief

Based out of New York City, National Debt Relief is one of the most commonly used debt relief companies in the United States. They got their start in 2006 and since then have offered the best of the best in debt consolidation, credit counseling, and numerous other forms of debt management. If you’re in debt, then they’re an excellent bet. Read on to find out more about National Debt Relief’s services, pricing, usability, customer service, and affiliations.

Services (10 out of 10)

The debt relief services that National Debt Relief provides are very simple and straightforward.

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You begin by setting up a special account after you initially sign up for the service. You then deposit an affordable amount of money (you will talk with a company representative to find out what this amount is for you) into the special account each month.

At the same time that you are doing this, the debt management professionals at National Debt Relief contact your creditors and begin to negotiate with them. Their aim is to secure a debt settlement for you for as low an amount as possible. When they are able to secure a debt settlement with your creditors, the money that you have been depositing into your special account is used for the settlement payment.

Though National Debt Relief’s debt settlement process is simple and effective, it does take a long time. You shouldn’t sign up with the company if you expect immediate debt relief. Furthermore, signing up with National Debt Relief and going through the settlement process won’t do anything to stop collection calls and collection letters from your creditors. You will likely continue to receive these until a settlement is reached.

Another key feature to be aware of is National Debt Relief’s call log. Though the company can’t do much to prevent potential harassment from your creditors, this call log does give you an organized place in which to record their calls and letters. Keeping track of these collection calls gives National Debt Relief important ammo to use during their negotiations. It also helps them track how specific creditors go about collecting debts.

Finally, there is a link in your call log where you can log any complaints. This is the place to go if you feel that a creditor is unfairly and illegally harassing you. National Debt Relief will then look into the problem for you.

Pricing (9 out of 10)

As mentioned above, the monthly rate that you pay for the services of National Debt Relief goes into your special account. When your debts are finally settled, this money amount goes towards paying off the settled amount and paying for National Debt Relief’s services.

The monthly rate that you pay depends on several factors including the size of your debts, your monthly income, and how much you can afford to pay each month. The amount is decided on during the sign-up process and after you have a short conversation with a company employee.

What makes National Debt Relief stick out from other companies in terms of pricing is that they don’t make you pay an upfront fee. There are no out-of-pocket fees at all. However, it is important to note that the reason the company is able to do this is because they don’t accept every single person that applies for their service. They have a strict selection policy and will not accept those that don’t fit into it (or those that have a debt problem they are not experienced with).

Another factor that is important to keep in mind is that National Debt Relief does not guarantee that they will be able to reach a settlement at all. They will try their very best (and their success rate is very high) but there is always an off chance that they won’t be able to finalize anything. In this instance, you will still have to repay the entire amount of your debt.

National Debt Relief does, however, place a high amount of importance on filling you in on the pros and cons of their service before you sign up. They make sure that all of their customers are aware of the fact that they might not be able to settle their debts before they get started.

Usability (10 out of 10)

If you’ve ever used a debt relief service before, then you know just how important it is that they are easy to use and easy to work with. Luckily, National Debt Relief comes out on top in the usability category.

As mentioned above, their service is simple and straightforward. Their pricing is likewise as is the company’s website and the initial sign-up process. What really pushes National Debt Relief ahead of the pack though is their client website. Once you are all signed up and ready to go, you will be able to access a wide range of helpful tools. These include your online account, the above-mentioned collections call log, budget calculators, and fee journals among much else.

Customer Service (10 out of 10)

Equally as important in a debt relief company as usability is customer service. And, once again, National Debt Relief comes out on top here as well.

In fact, the sheer superiority of the company’s customer service is what really makes it stand out from the competition. If you have a question – any question at all, need help, or would like to voice a concern, then it is easy to get ahold of them. They can be reached by phone, email, and live chat and they respond quickly and efficiently to each. However, live chat is generally the quickest way to connect with a company representative.

Affiliations (10 out of 10)

National Debt Relief has banded together with several other top debt settlement companies to create a watchdog group of sorts. In an industry as ridden with scams and shady companies as the debt relief industry, it is important to weed out the bad from the good. This watchdog group does this by pointing out companies that are taking advantage of people’s financial and debt problems and joining the forces of ‘good,’ reliable companies.

National Debt Relief is part of the International Association of Professional Debt Arbitrators, a member of the American Fair Credit Council, and a member of the U.S. Chamber of Commerce.

The Verdict

If you need help with debt settlement and debt negotiation, there are few services that are more effective than National Debt Relief. The company is reliable and trustworthy, very affordable, and has outstanding customer help and support. It is easy to use and offers a wide variety of specific services. If you’re struggling with debt, then take a look at National Debt Relief to see how they line up with your personal wants and needs.