National Debt Relief review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

National Debt Relief suits US borrowers carrying from $10,000 or more in unsecured debt that is several months overdue, and who can fund a monthly deposit into a separate account. The fee is performance based, so nothing is due until a settlement is approved.

Key facts

Best for
Overdue unsecured debt settled for less than owed, funded by a fixed monthly deposit.
Loan amount
from $10,000 (Source, checked September 26, 2026)
Term
24 to 48 months (Source, checked September 26, 2026)
Arrangement fee
15% to 25% of the enrolled debt, performance-based and charged only after a debt is settled and approved (Source, checked September 26, 2026)
Representative example
Client owing $22,800 resolved for about $17,300 via a $362 monthly deposit over 48 months (Source, checked September 26, 2026)
Eligibility
$10,000 or more in unsecured debt, several months overdue, plus financial hardship and the ability to fund a monthly deposit into a dedicated account; must reside in a US state where NDR serves clients (Source, checked September 26, 2026)
Origination fee (%)
15% to 25% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Student, Business (Source, checked September 26, 2026)
Legal entity
National Debt Relief LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
nationaldebtrelief.com

Apps and profiles

Elsewhere
TrustpilotLinkedInXbbb.org

Pros and cons

Pros

  • Charges nothing until a creditor settles a debt and the amount is approved.
  • Deposit terms run 24 to 48 with a set monthly amount paid into a separate account.
  • The programme covers personal, debt consolidation and credit line, so several kinds of balance sit inside one arrangement.
  • Trading in the US as National Debt Relief LLC since 2009, with state registrations on file.

Cons

  • Branches are not among its support channels (phone, email and help centre), which run by phone, email and the help centre.
  • Enrolment needs from $10,000 in unsecured debt several months overdue, which rules out smaller balances.
  • Residence in a US state where the service operates is required, and the firm sits in the United States.
National Debt Relief

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • US borrowers whose unsecured debt is several months overdue and who can keep a monthly deposit going.
  • People who would rather settle a balance for less than the full amount than take on new borrowing.
  • Anyone comfortable with a performance based fee, since nothing is due until a settlement lands.

Who should look elsewhere

  • Monzo Flex: lends £10,000 to £35,000 in GBP, which suits people who want new money rather than a settlement.
  • Cashspace: lends PHP 500 to PHP 25,000 in PHP for short-term needs, not for balances already overdue.
  • Cashspace ES: amounts of €100 to €5,000 in EUR suit small advances, not a long settlement process.

How your money is protected

National Debt Relief LLC holds state registrations across the US, including 1250950 with the Maryland Office of Financial Regulation and 1400000135-125713 with the Texas Department of Banking and Finance. Its published example shows a client resolving an overdue balance for less than the amount owed.

How National Debt Relief compares

Where National Debt Relief is available

Available
United States
Licence in United States
Maryland Office of Financial Regulation (1250950), checked September 26, 2026
Licence in United States
California Department of Financial Protection and Innovation (DFPI) (60DBO-70443), checked September 26, 2026
Licence in United States
Virginia State Corporation Commission (DSP-8), checked September 26, 2026
Licence in United States
Arizona Financial Enterprise (CL-0949056), checked September 26, 2026
Licence in United States
Colorado Department of Financial Services (DMG-2000027), checked September 26, 2026
Licence in United States
Florida Department of Agriculture and Consumer Services (TC4740), checked September 26, 2026
Licence in United States
Idaho Department of Finance (CDS-8459), checked September 26, 2026
Licence in United States
Illinois Department of Financial and Professional Regulation (D.S. 0000004), checked September 26, 2026
Licence in United States
New Jersey Department of Banking and Insurance (1703233), checked September 26, 2026
Licence in United States
North Dakota Department of Financial Services (MB103136), checked September 26, 2026
Licence in United States
Pennsylvania Department of Financial Services (92671), checked September 26, 2026
Licence in United States
Rhode Island Department of Business Regulation (20234602DM), checked September 26, 2026
Licence in United States
Tennessee Department of Financial Services (45), checked September 26, 2026
Licence in United States
Texas Department of Banking and Finance (1400000135-125713), checked September 26, 2026
Licence in United States
Utah Department of Commerce, Division of Consumer Protection (8576497-DBTM), checked September 26, 2026
Licence in United States
Washington Department of Licensing (603320126), checked September 26, 2026
Licence in United States
Puerto Rico Department of the Treasury (IF-0605), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does National Debt Relief actually do?+

It negotiates with the creditors on your unsecured debts and, where a settlement is agreed, you fund a separate deposit account monthly until the balance is resolved. The service covers personal, debt consolidation and credit line, so you are dealing with balances you already have rather than taking out new borrowing. Deposit terms run 24 to 48.

What does the settlement fee cost?+

The fee is performance based: it is charged only after a creditor has settled a debt and approved the amount, so you do not pay upfront for a result that never arrives. It runs 15% to 25% of the debt that has been enrolled, which makes the saving easy to check against the balance you started with.

How much debt do I need to be eligible?+

Enrolment starts with a balance of from $10,000 in unsecured debt that has been overdue for several months. You also need to show financial hardship and be able to fund a monthly deposit into a separate account, and you must live in a US state where the service operates.

How long does the deposit period last?+

The deposit period runs 24 to 48, with a set monthly amount going into the account each month until the negotiated settlements are reached. You have to be able to keep that monthly deposit going for the whole term. The published example shows a client resolving a balance for less than the amount owed.

Is it regulated?+

National Debt Relief LLC operates in the US and lists state registrations, including 1250950 with the Maryland Office of Financial Regulation and D.S. 0000004 with the Illinois Department of Financial and Professional Regulation. Licences are state by state, so the one covering where you live is the one that matters.

Which US states can I use it in?+

Eligibility depends on living in a US state where the service works with clients, and the operation is based in the United States. It holds registrations across a long list of states, so the practical question is whether your own state is one of them. If you live outside the US, this is not a route to a settlement.

How do I get help?+

Support runs on phone, email and help centre, so the team is reachable by phone, by email and through the help centre. A branch or in-person desk is not among those channels, so it suits people content to work by phone or email through the deposit period.

Sources

  • nationaldebtrelief.com/debt-relief/us-states checked September 26, 2026

    Backs: Origination fee (%), Representative example

    “Our fees vary by state and the amount of your debt (about 15-25% of your enrolled debt)”

  • nationaldebtrelief.com/howitworks checked September 26, 2026

    Backs: Loan types

    “We cover most unsecured debt and negotiate with major credit card issuers and banks every day to reduce debts: Credit Cards, Personal Loans, Lines of Credit, Medical Bills, Collections,...”

  • nationaldebtrelief.com/licenses checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels, Licences

    “NDR's principal place of business is 180 Maiden Lane 28th Floor New York, NY 10038”

  • nationaldebtrelief.com/resources/debt-relief-settlement/d... checked September 26, 2026

    Backs: Loan amount, Eligibility, Founded, Arrangement fee

    “National Debt Relief qualification begins if you are struggling with $10k or more in unsecured debt and have the ability to make the agreed-upon monthly payment into a dedicated account”

  • nationaldebtrelief.com/resources/debt-relief-settlement/t... checked September 26, 2026

    Backs: Term

    “It typically takes between 24-48 months with our program”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Funding time.

National Debt Relief

National Debt Relief

Overdue unsecured debt settled for less than owed, funded by a fixed monthly deposit.

8.7/10See alternatives

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