ND
National Debt ReliefBest overall
A long track record and a fee structure that's paid only after results.
- No upfront fees
- Large settlement track record
- Settlement can hurt your credit
Debt Relief · Updated October 2026
National Debt Relief vs Freedom Debt Relief (2026)
Both are popular debt relief choices. Here's how they compare on program type · fees · credit impact, and which one fits which shopper.
The quick verdict
- National Debt Relief Best overall A long track record and a fee structure that's paid only after results.
- Freedom Debt Relief Most experience Among the longest-running and largest settlement companies.
FD
Freedom Debt ReliefMost experience
Among the longest-running and largest settlement companies.
- Decades of experience
- Large scale
- Available in about 31 states
Side-by-side comparison
ND | FD | |
|---|---|---|
| Trustpilot rating | ||
| Founded | 2009 | 2002 |
| Minimum debt | $7,500 | $7,500 |
| Fees | 15–25% of enrolled debt | 15–25% plus monthly fee |
| Accreditation | AADR | AFCC |
| Visit site | Visit site |
Also consider
- Accredited Debt Relief · Best for larger balances
What to compare before you choose
- 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.
Compare all debt relief providers that serve your ZIP code.
Compare Debt ReliefTrademark and logo notice: Company names, logos and trademarks are the property of their respective owners and are used only to identify each company and its products. Their appearance does not mean that any company endorses, sponsors or is affiliated with The Top 10 Experts, unless we say so. Facts were checked against public sources in October 2026; confirm current terms with the provider. Customer ratings are Trustpilot TrustScores as of October 2026, shown only for companies rated 4.0 or higher with at least 25 reviews; The Top 10 Experts is not affiliated with Trustpilot. To request a change, contact legal@thetop10experts.com.