Get QuoteSecure site · Updated July 2026
- Min. debt
- $7,500
- Fees
- 15–25% of debt
- Timeframe
- 24–48 months
- Debt types
- Credit cards, medical, loans
Why it stands out
National Debt Relief highlights
- No fees until a debt is actually settled and you approve it
- Handles credit cards, medical bills, and personal loans
- AAA-accredited by the American Fair Credit Council
- Money-back guarantee if you leave with no settlements
The verdict at a glance
Pros and cons
Pros
- Zero upfront cost, so you pay only on results
- One of the largest settlement track records in the industry
- Dedicated debt specialist assigned to every account
Cons
- Requires a $7,500 minimum enrolled balance
- Missed payments during the program hurt your credit
- Not available in a handful of states
Our full review
Our take on National Debt Relief
National Debt Relief has resolved more than $1 billion in debt and charges nothing until it settles an account for you. Its AAA accreditation from the American Fair Credit Council and a money-back guarantee make it the safest first call for anyone drowning in credit-card balances.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on National Debt Relief’s own site before you apply.
The alternatives
How National Debt Relief compares
Other top-rated companies in Debt Relief. Compare the numbers side by side before you decide.
| # | Provider | Rating | Min. debt | Best for | |
|---|---|---|---|---|---|
| 1 | Freedom Debt Relief | $7,500 | Borrowers carrying $20,000 or more | Get Quote | |
| 2 | Accredited Debt Relief | $10,000 | People who want the shortest payoff timeline | Get Quote | |
| 3 | Americor | $7,000 | Clients who want an app-first experience | Get Quote | |
| 4 | New Era Debt Solutions | $10,000 | Clients who value a low, transparent fee | Get Quote |
- Freedom Debt Relief4.7Best for Borrowers carrying $20,000 or more
- Accredited Debt Relief4.6Best for People who want the shortest payoff timeline
- Americor4.5Best for Clients who want an app-first experience
- New Era Debt Solutions4.4Best for Clients who value a low, transparent fee