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Debt settlement program

National Debt Relief review for 2026

Replace a stack of high-balance card bills with one monthly program deposit.

• Free consultation with no obligation to enroll, and zero up-front fees
• Save up to 45% of what you owe, before fees
• Debt free in as little as 24 to 48 months
• One monthly program payment instead of several bills

See If I QualifyFree consultation. Zero up-front fees.

National Debt Relief runs a debt settlement program. Rather than lending you money, it negotiates the unsecured accounts you enroll down to less than you owe, unlike a consolidation loan or credit counseling. This AdvancePointly review stays simple and cost-focused: how the program runs, what you might pay, where the risks sit, and whether it fits your budget.

Our verdict

When several high-balance credit cards have grown past what you can realistically clear, debt settlement is one path to consider, and National Debt Relief ranks among the larger, longer-running names offering it. The idea is simple: stop juggling minimum payments, put a set amount aside every month, and let the company approach each enrolled creditor about accepting less than the full balance. In the right circumstances that can mean closing out unsecured debt for less than you owe, but the outcome always rests with your creditors and nothing is promised.

Now the plain truth. Settlement is a negotiation, not a bailout. While you build up your program fund, the enrolled accounts go unpaid, creditors may keep calling, and some may push collection. Fees apply, and the process can stretch over a couple of years. Nor is it credit counseling, a consolidation loan, or bankruptcy. Our advice: book the free consultation, get your exact terms in writing, and weigh them against every other option before you sign anything.

Important

How it works

1. Book the free consultation Walk through your unsecured debts and monthly budget with a specialist. Nothing is owed or decided yet; you simply learn which accounts may qualify.
2. Fund your program account Instead of paying enrolled creditors directly, you deposit an agreed amount each month into a dedicated account you control.
3. Negotiate and settle Once that account holds enough, the company approaches each creditor and tries to settle for less than the full amount owed. Creditors can say no, so timing and results differ.

Debt settlement negotiates to resolve enrolled unsecured debts for less than owed. It is not credit counseling, a loan, or bankruptcy. Results vary.

Rates and fees

Savings figures are National Debt Relief's own approximations for clients who complete the program; not everyone does.

Who it is for

Published client ratings

National Debt Relief publishes these ratings on Google, ConsumerAffairs, and Trustpilot; scores and counts change over time.

National Debt Relief, answered

"Debt-Free" applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Advertisement. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment and not all clients complete the program. National Debt Relief does not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Participation may adversely affect your credit rating or score. National Debt Relief LLC, NMLS ID 1250950.

AdvancePointly is a free loan-request and comparison referral service, not a lender, debt-settlement company, or insurer, and we may be compensated when you enroll through a link on this page. National Debt Relief offers debt settlement: not a loan, not credit counseling, not tax advice, and not bankruptcy. Full program disclosure below.