National Debt Relief Comprehensive Review

Comprehensive Review: Is National Debt Relief Legitimate?

In the face of mounting debts, finding a reliable and effective solution can be a daunting task. One company that has made a name for itself in the debt relief industry is National Debt Relief. Founded in 2009, National Debt Relief has been committed to helping consumers navigate the often overwhelming world of debt.

As an A+ accredited company by the Better Business Bureau, National Debt Relief has consistently demonstrated its dedication to providing quality services to its clients. They specialize in negotiating with major credit card issuers and banks to reduce the debt owed by consumers, offering a lifeline to those struggling with unsecured debts.

In this comprehensive review, we will delve into the legitimacy of National Debt Relief. We will explore their services, customer feedback, success rate, and more. We aim to provide you with an unbiased, in-depth analysis to help you make an informed decision about whether National Debt Relief is the right choice for your debt settlement needs. So, let’s get started.

Who are National Debt Relief?

National Debt Relief is a reputable debt relief company founded in 2009. The company was established with the primary goal of assisting consumers in dealing with overwhelming debt. They specialize in credit card debt relief programs and work diligently to negotiate with major credit card issuers and banks to reduce their clients’ debts.

The company was co-founded by Alex Kleyner, who currently serves as the CEO and Daniel Tilipman. Another key figure in the founding of the company is Tom Leydiker. Over the years, National Debt Relief has built a solid reputation and has gained recognition for its dedication to securing results for its clients. The company is BBB A+ accredited, further cementing its commitment to providing reliable and effective debt relief services.


National Debt Relief is headquartered in the bustling city of New York. Specifically, their main office is located at:

This central location in one of the world’s major financial hubs allows them to stay connected and updated with the latest trends and changes in the financial and debt relief industry. For more information, you can visit their official website.

Offered Services

National Debt Relief offers a range of services aimed at helping individuals manage and reduce their debt. Their core service is debt settlement, where they negotiate with creditors on behalf of their clients to lower the overall debt owed. This service is particularly beneficial for individuals struggling to meet their debt payments.

Here’s a brief overview of the services offered by National Debt Relief:

  • Debt Settlement: National Debt Relief works with major credit card issuers and banks to negotiate lower balances for consumers struggling to pay their balances. This service covers most unsecured debt, providing a potential solution for individuals with significant credit card debt.
  • Debt Consolidation: While primarily a debt settlement company, National Debt Relief also offers debt consolidation services. This involves combining multiple debts into a single, more manageable payment.
  • Credit Counseling: Besides their debt management services, National Debt Relief provides credit counseling to help individuals understand their financial situation and make informed decisions about managing their debt.

National Debt Relief is a BBB A+ accredited business, indicating its commitment to providing reliable and trustworthy client services.

Secretary of State Information

You can find specific information regarding National Debt Relief’s registration or status in the NY Department of State Division of Corporations database.

National Debt Relief - Secretary of State information

For more detailed information about National Debt Relief, including its services, licenses, accreditations, and customer feedback, please refer to the other sections of this comprehensive review.

Licenses and Accreditations

National Debt Relief holds a significant accreditation from the Better Business Bureau (BBB), with an A+ rating since 2013. This accreditation is a testament to the company’s commitment to meeting the BBB’s high standards for honest business behaviors.

However, specific information about other licenses held by National Debt Relief is not readily available. It’s important to note that some states require debt settlement companies to be licensed, and National Debt Relief operates across various states. Therefore, it’s reasonable to assume that the company holds necessary licenses where required.

For the most accurate and up-to-date information, it’s recommended to directly contact National Debt Relief or check with relevant state licensing authorities.

Offer Mail Example

Unfortunately, specific examples of offer mails from National Debt Relief are not publicly available. However, it’s important to note that National Debt Relief works on behalf of its clients to negotiate settlement offers with creditors.

Once a settlement offer is negotiated, it appears that clients can approve these offers through a portal provided by National Debt Relief. This portal also allows clients to view their progress, change their deposit timing, and other important information related to their debt relief plan.

Please note that the specifics of these offer mails, including their format and content, may vary depending on the individual’s situation and the specific terms negotiated with the creditor.

Official Website

The official website of National Debt Relief serves as a comprehensive platform providing a wealth of information and services related to the company’s debt relief programs.

National Debt Relief - Official Website

Key features of the website include:

  • Detailed Information about Services: The website provides in-depth information about the debt settlement services offered by National Debt Relief. It outlines how the company negotiates with major credit card issuers and banks to reduce debts.
  • Qualification Criteria: The website clearly states the qualification criteria for availing the debt settlement services of National Debt Relief.
  • Privacy Protection: National Debt Relief prioritizes the privacy of its users. The website has measures in place to protect users’ personal information.
  • User-Friendly Interface: The website is designed with usability, making it easy for visitors to navigate and find the information they need.
  • App Availability: In addition to the website, National Debt Relief also offers an app, making their services easily accessible on the go.

The website also provides a way for consumers to get in touch with the company, either through a contact form or by calling their customer service line during extended business hours.

LinkedIn Profile

National Debt Relief, LLC has a significant presence on LinkedIn, with over 12,000 followers. The company uses this platform to share updates and information about its services. Their LinkedIn profile highlights their mission of helping hundreds of thousands of clients resolve their debt and achieve financial independence.

National Debt Relief - LinkedIn profile

Here are some key points about National Debt Relief’s LinkedIn profile:

  • Followers: Over 12,000 followers, indicating a substantial presence on the platform.
  • Mission: The company’s mission, as stated on its LinkedIn profile, is to help hundreds of thousands of clients resolve their debt and achieve financial independence.
  • Updates: National Debt Relief regularly shares updates and information on their services on their LinkedIn profile.

This active presence on LinkedIn demonstrates National Debt Relief’s commitment to transparency and customer engagement. It also provides an additional platform for customers and interested parties to stay updated on the company’s offerings and achievements.

Commitment to Customer Service and Success

National Debt Relief demonstrates a strong commitment to customer service and success, as evidenced by its high ratings on multiple consumer review websites. Many clients have left positive comments about the company’s helpfulness and overall client service in guiding them through the debt relief process.

According to customer feedback, the company’s representatives are described as “very friendly and knowledgeable,” taking the time to ensure customers understand all their options. This commitment to customer education and transparency is a key part of National Debt Relief’s service.

However, it’s important to note that there have been some customer complaints, primarily centered on problems with the product or service and billing and collection issues. Despite these complaints, National Debt Relief has maintained an A+ rating with the Better Business Bureau, indicating their commitment to resolving any issues.

In terms of success, National Debt Relief’s debt relief programs have been praised for helping consumers get out of debt without resorting to loans or bankruptcy. The company’s negotiators work with creditors to make settlement offers for less than what the customer owes, providing potential debt savings for their clients.

In conclusion, while no company is without challenges, National Debt Relief’s commitment to customer service and success is evident in its high ratings and positive customer feedback. Their approach to customer education, transparency, and debt negotiation demonstrates their dedication to helping clients achieve financial freedom.

Better Business Bureau (BBB) Rating

National Debt Relief has been accredited by the Better Business Bureau (BBB) since February 5, 2013. They have managed to maintain an impressive A+ rating, which is the highest possible rating given by the BBB. This rating is based on many factors, including the company’s response to customer complaints and the transparency of its business practices. An average score based on more than 2,500 customer reviews is 4.69 out of 5 stars.

National Debt Relief - BBB review

Regarding customer feedback, National Debt Relief has received a mix of positive and negative reviews. Many customers have praised the company for their effective debt settlement programs and their commitment to customer service. However, there have also been complaints, some related to the company’s negotiation tactics with credit card companies.

Here are some key takeaways from the customer feedback:

  • Positive Feedback: Customers have appreciated the free consultation offered by National Debt Relief and the fact that they only have to pay if the company successfully reduces their debt. The A+ accreditation with the BBB has also been a positive point for many customers.
  • Negative Feedback: Some customers have reported a drop in their credit score by 100 points or more after using National Debt Relief’s services. There have also been complaints about the company’s negotiation tactics with credit card companies.

It’s important to note that customer experiences can vary, and what works for one person may not work for another. Always research and consider multiple sources of information before making a decision.

For more detailed customer reviews and complaints, you can visit the BBB’s website.

Trustpilot Rating

National Debt Relief has a solid reputation on Trustpilot, one of the most trusted review platforms. With a 4.7-star rating and over 38,000 reviews, it’s clear that many customers have had positive experiences with the company.

National Debt Relief - Trustpilot rating

The company is also active in responding to reviews, particularly negative ones. This shows a commitment to customer service and a willingness to address any issues.

Here are a few examples of what customers are saying on Trustpilot:

  • “National Debt Relief has been a lifesaver. They are professional, helpful, and took care of my debt issues quickly.”
  • “I had a great experience with National Debt Relief. They helped me settle my debts and were very transparent throughout the process.”
  • “I had some issues initially, but National Debt Relief was quick to address them and make things right.”

Remember, while these reviews are generally positive, everyone’s debt situation is unique. What worked for these customers may not work for you. Always research and consider all your options before choosing a debt relief company.

Google Reviews Rating

When it comes to reviews at Google, National Debt Relief maintains a 4.6-star rating based on more than 6,200 customer reviews:

National Debt Relief - Google Reviews

Customers have praised the company for its knowledgeable staff and informative approach. One customer stated that the company’s representatives explained everything in a very informative manner and took the time to make sure they understood all their options.

Another customer described their experience with National Debt Relief as “painless and well worth it,” and looked forward to being less stressed and debt-free sooner rather than later.

While these reviews provide some insight into the company’s customer service and success rate, we recommend potential customers research and consider multiple sources of information when making a decision.

Please note that customer experiences can vary, and what works well for one person may not work well for another. Always consider your financial situation, do your due diligence, and consult with a financial advisor if needed.

Best Company Rating

National Debt Relief has a rating of 4.6 out of 5 based on the reviews on BestCompany​​.

Review Summary:

  • National Debt Relief is recommended for those seeking relief from credit card and student loan debts, as they can negotiate settlements 30-50% lower than the total debt owed. A free consultation is offered, and potential customers should be aware of the impacts of the debt settlement process on credit scores and reports.
  • They started in-house negotiations for credit card, medical, or unsecured debts in 2017, implying they might have less experience than some competitors.
  • Clients with bad credit scores might find their services helpful. However, they should note that a decrease in credit score is a potential outcome of debt settlement.
  • The company charges 18-25% of the total debt owed for its services. It’s advisable to inquire about specific costs during the free consultation.
  • Finally, due to their strong negotiation history, they are suggested as an alternative to bankruptcy​.

Success Rate

National Debt Relief has demonstrated a high success rate in helping its clients manage and reduce their debt. According to the company, customers who complete its debt settlement program reduce their enrolled debt by an average of 23% after its fees.

For clients who can stay with the program and get all their debt settled they realize approximate savings of 46% before fees or 25%, including their fees over 24 months. This indicates that the company’s services can lead to significant savings for individuals struggling with debt.

In conclusion, National Debt Relief’s success rate, as indicated by its reported statistics and customer reviews, suggests that it is an effective solution for individuals seeking to manage and reduce their debt.

Pros and Cons


  1. Avoiding Bankruptcy: National Debt Relief offers a way to avoid declaring bankruptcy.
  2. Saving Money: Customers can save money on interest and potentially settle their debts for less than they owe.
  3. No Upfront Fees: The company charges no upfront fees for their services.
  4. Relief Available for Many Types of Debt: National Debt Relief can help with various types of unsecured debt.


  1. Forgiven Debt is Subject to Income Tax: The debt forgiven by creditors is subject to income tax.
  2. Creditors are Not Obligated to Settle: There is no guarantee that creditors will agree to settle the debt.
  3. Fees of Up to 25% of the Enrolled Debt: National Debt Relief charges fees of up to 25% of the enrolled debt.
  4. Potential Impact on credit score: Deb settlement services like National Debt Relief can hurt your credit score.

Please note that the experiences with National Debt Relief can vary greatly depending on individual financial situations and the specific creditors involved. It’s always a good idea to do your own research and consider all options before deciding on a debt relief strategy.

Alternatives to National Debt Relief

When considering debt relief options, it’s important to explore all available alternatives. While National Debt Relief offers a comprehensive range of services, some other companies and strategies might better suit your individual circumstances. Here are some alternatives to consider:

Debt Relief Companies

  1. Freedom Debt Relief: This is a reputable company that offers flexible program lengths and personalized plans to help you manage your debt.
  2. Accredited Debt Relief: Known for its flexibility and cost-effectiveness, It provides various services, including debt consolidation, credit counseling, and debt management.

Debt Management Strategies

  1. Debt Consolidation: Combining all your debts into one loan with a lower interest rate. This can simplify your payments and potentially save you money in the long run.
  2. Bankruptcy: While a last resort, bankruptcy can relieve overwhelming debt. However, it has significant consequences, including a long-term impact on your credit score.
  3. Budget Reorganization: Sometimes, simply reevaluating and adjusting your budget can help you manage your debt. This might involve cutting unnecessary expenses or finding ways to increase your income.
  4. Credit Counseling Programs: These programs offer guidance on managing debts and setting a budget. They can also negotiate with creditors on your behalf to lower your interest rates or waive certain fees.

Remember, it’s important to thoroughly research and consider all your options before deciding. What works best will depend on your circumstances, financial situation, and long-term goals.


Is National Debt Relief a legitimate program?

National Debt Relief is a recognized company that has assisted numerous individuals in negotiating their debts. It is accredited by the Better Business Bureau with an A+ rating, indicating its legitimacy. However, it’s important to understand the terms and conditions before engaging with any debt settlement company.

Is National Debt Relief bad for your credit?

Enrolling in a program with National Debt Relief can indeed hurt your credit score. This is because payment history accounts for a significant portion of your FICO credit score, and debt settlement can cause a drop in your score. However, it’s important to note that while your credit score may initially suffer, it can improve over time after settling your debt.

Is National Debt Relief an honest company?

National Debt Relief is a BBB A+ accredited company that has assisted numerous individuals in negotiating their debts. However, it’s important to note that while many customers have had positive experiences, there have been complaints about persistent calls and the fact that forgiven debt is subject to income tax.

Is it a good idea to get debt relief?

Opting for debt relief can be beneficial as it may allow you to settle debts for less than owed, potentially avoid bankruptcy, and simplify your repayment process. However, it’s important to consider potential drawbacks such as unsuccessful settlements, high fees, and the possibility of not addressing the root cause of debt if it’s due to spending habits. Always consider your personal financial situation and seek professional advice before making such decisions.


In conclusion, National Debt Relief is a legitimate debt settlement company that has helped hundreds of thousands of people negotiate their debts. The company holds an A+ score from the Better Business Bureau and is accredited, which speaks to its credibility and trustworthiness.

However, like any other service, it has its pros and cons. On the positive side, National Debt Relief offers a potential savings of approximately 23% when including its fees, based on 2022 data. This can be a significant relief for those struggling with debt.

On the downside, the forgiven debt is subject to income tax, and creditors are not obligated to settle. Additionally, the company charges fees of up to 25% of the enrolled debt. Some customers have also raised complaints about the company’s customer service.

Therefore, while National Debt Relief is a viable option for debt settlement, it is important for potential customers to thoroughly understand the terms and conditions of the service and consider the potential drawbacks alongside the benefits. As always, it is recommended to explore other alternatives and choose the one that best fits your financial situation.