Debt Relief review · Updated October 2026

National Debt Relief Review (2026)

Debt settlement company founded in 2009.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

A long track record and a fee structure that's paid only after results. On our debt relief comparison, it's labeled Best overall.

Key facts

Founded2009
Minimum debt$7,500
Fees15–25% of enrolled debt
AccreditationAADR

What stands out

  • Minimum enrolled debt of $7,500
  • Fees of 15% to 25% of enrolled debt, charged only after a settlement
  • AADR accredited

Pros and cons

Pros

  • No upfront fees
  • Large settlement track record

Cons

  • Settlement can hurt your credit

How National Debt Relief compares

Side-by-side comparison

National Debt Relief
Freedom Debt Relief
Accredited Debt Relief
Trustpilot rating
4.7
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4.5
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4.8
Trustpilot · 12,152 reviews
Founded200920022011
Minimum debt$7,500$7,500$10,000
Fees15–25% of enrolled debt15–25% plus monthly fee15–25% of enrolled debt
AccreditationAADRAFCCAFCC, AADR
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever debt relief provider you choose, compare these points:

  • Consolidation, counseling or settlement. Consolidation replaces debts with one loan. Counseling sets up a payment plan. Settlement negotiates balances down.
  • How the company is paid. Under federal rules, settlement companies may not charge fees until they settle at least one of your debts.
  • Effect on your credit. Settlement usually lowers your score. Consolidation and counseling plans are generally gentler if you stay current.
  • Forgiven debt. Forgiven balances can count as taxable income. Ask how the program handles this before you enroll.

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