One monthly program deposit in place of a heap of high-balance card statements.
HomeDebt consolidationNational Debt Relief
First, what it is not: a loan. National Debt Relief sells debt settlement. Negotiators take the unsecured balances you enroll and push creditors to accept less than the full amount. A consolidation loan or credit counseling works differently. Here, SwiftCashFirst keeps things short and money-first. You will see how the program runs, what it could cost, where the risk sits, and whether your budget can carry it.
When a few maxed-out cards have grown past anything you can realistically clear, settlement is one road worth a look. Among the firms on that road, National Debt Relief is one of the larger ones and has been around a long while. The pitch: drop the minimum-payment treadmill, stash a set sum each month, and have the company press every enrolled creditor to take a reduced payoff. Done right, that can close unsecured debt for under what you owe. Creditors still hold the final say, and there are no promises.
Straight talk. This is bargaining, not a bailout from above. While your program fund fills, enrolled accounts sit unpaid, the phone may keep ringing, and a few creditors may escalate to collection. Fees apply. A couple of years is a realistic horizon. And it is none of these: credit counseling, a consolidation loan, bankruptcy. Our advice: take the free consultation, insist on written terms, and stack them against every alternative before you sign anything.
Results vary, and settlement is not right for everybody. A debt-relief program can come with fees, and creditors are free to keep up collection efforts. Nor is this a loan, bankruptcy or credit counseling. Go over all terms before you enroll.
In short: settlement tries to close enrolled unsecured debts for less than what is owed. Loans, bankruptcy and credit counseling are separate paths. Results vary.
| Consultation | No charge, no obligation |
|---|---|
| Program fee | Tied either to what you enroll or to what gets settled; get the number in writing |
| Approximate savings | Near 45% pre-fee, dropping to 20% after National Debt Relief's fees, among clients who finish |
| Program length | 24 to 48 months |
These are National Debt Relief's own figures, covering only people who finish the program. Plenty do not.
Scores come from Google, ConsumerAffairs and Trustpilot, as published by National Debt Relief. Both ratings and review counts shift over time.
Free consultation, no obligation. Results vary.
"Debt-Free" applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. 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 National Debt Relief's fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete the program for various reasons, including their ability to save sufficient funds. Debt settlement may involve fees, and creditors may continue collection activity. This is not credit counseling, a loan, tax advice, or bankruptcy. Read all program terms before enrolling. Results vary.
SwiftCashFirst is a free loan-request and comparison referral service. Lending, insurance and debt settlement are not services we provide, and enrollments that start from this page may earn us compensation. National Debt Relief's product is debt settlement, which means it is not a loan and not bankruptcy, and it offers neither credit counseling nor tax advice. See the full program disclosure above.
Book the free consultation, get every term in writing, and weigh it against your other choices before enrolling. Results vary.
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