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National Debt Relief review

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

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Our verdict

National Debt Relief is a US debt settlement company rather than a lender, so it suits households several months behind on unsecured debt who can fund a monthly deposit. Programmes run 24 to 48, and the company has traded since 2009 with state licences across the US.

Key facts

Best for
Settling large unsecured debt you have fallen behind on, in a US state the firm serves.
Loan amount
from $10,000↗
Term
24 to 48 months↗
Arrangement fee
15% to 25% of the enrolled debt, performance-based and charged only after a debt is settled and approved↗
Representative example
Client owing $22,800 resolved for about $17,300 via a $362 monthly deposit over 48 months↗
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↗
Origination fee (%)
15% to 25%↗
Loan types
Personal, Debt-consolidation, Credit-line, Student, Business↗
Legal entity
National Debt Relief LLC↗
Headquarters
United States↗
Founded
2009↗
Support channels
Phone, Email, Help-centre↗
Official website
nationaldebtrelief.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInXbbb.org

Pros and cons

Pros

  • The arrangement fee is performance-based: charged only after a debt is settled and approved.
  • Licensed with state regulators across the US, including 1400000135-125713 for the Texas Department of Banking and Finance.
  • Covers personal, debt consolidation, credit line, student and business balances, so a mixed set of debts can go into one programme (personal, debt consolidation and credit line).
  • Support runs on phone, email and help centre, and the payments run through a dedicated deposit account you fund yourself.

Cons

  • The fee is a share of the debt you enrol, so the largest balances also carry the largest charges.
  • Enrolment needs from $10,000 or more in unsecured debt, several months overdue, plus the ability to fund a monthly deposit, so lighter balances will not fit.
  • Clients must live in a US state it serves, and it is headquartered in the United States, so anyone outside the US is out of scope.
National Debt Relief

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Households in the US holding unsecured debt that has been overdue for several months and are in genuine financial hardship.
  • People who can commit a monthly deposit to a dedicated account and are comfortable with a programme lasting 24 to 48.
  • Anyone weighing a negotiated reduction against taking out new credit to clear the same balances elsewhere.

Who should look elsewhere

  • Cashspace, which lends from PHP 500 to PHP 25,000, if you want new credit rather than a settlement.
  • Creduma ES, which lends from from €12,000, when the goal is a new balance rather than a reduced one.
  • Sofkredit, which lends €12,000 to €300,000, for readers after borrowing rather than debt relief.

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 it cost?+

The arrangement fee is a share of the debt you enrol, and it is performance-based: charged only after a debt is settled and approved, so nothing is due while negotiations are still running. The published range runs 15% to 25%.

How long does a programme take?+

Programmes run 24 to 48, with money paid as a deposit into a dedicated account each month rather than as one large upfront payment. The published worked case shows a client settling a large overdue balance for less than was owed.

Is the firm regulated?+

It trades as National Debt Relief LLC, headquartered in the United States, and holds debt settlement licences in US states. In California the regulator is the California Department of Financial Protection and Innovation, licence 60DBO-70443.

Who can apply?+

You need unsecured debt of from $10,000 or more that is several months overdue, plus real financial hardship and the ability to fund a monthly deposit into a dedicated account. You also have to live in a US state where the firm takes clients.

Which kinds of debt can go in?+

Personal balances, debt consolidation, credit line, student and business debt all sit within what it handles, per personal, debt consolidation and credit line. The programmes are built around unsecured overdue debt, so secured borrowing such as a home or vehicle loan is not the target.

How do payments and support work?+

You fund a dedicated deposit account monthly, and the negotiated payments come out of it across a term of 24 to 48. Questions go through phone, email and help centre, and the company has been trading since 2009.

Is this cheaper than taking on a loan?+

The fee scales with the debt you enrol, while a loan is repaid with interest on what you borrow, so the two costs are shaped differently. Because the fee is charged only after a settlement is approved, nothing is payable while the matter is still open.

Which states does it cover?+

It takes clients in US states only, and appears with state regulators including the Maryland Office of Financial Regulation, licence 1250950, and the Texas Department of Banking and Finance, licence 1400000135-125713.

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

Settling large unsecured debt you have fallen behind on, in a US state the firm serves.

8.8/10See alternatives