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Debt settlement program

Too many card balances? Trade them for one program payment.

National Debt Relief negotiates with your creditors to settle enrolled unsecured debts for less than the full balance. You make one monthly program payment while it works.

  • Save up to 45% of what you owe, before fees*
  • Debt free in as little as 24 to 48 months*
  • Free consultation and zero up-front fees
  • One monthly program payment instead of several bills
See If I QualifyFree consultation. Zero up-front fees.

National Debt Relief operates a debt settlement program. It does not lend you money. Through negotiation, it works each enrolled unsecured account down toward a figure below the full balance. This FastFundPro review sticks to the practical specs: program mechanics, possible cost, risk points, and budget fit.

The spec verdict

Use case: several high-balance cards with totals you can no longer realistically pay down. Debt settlement is one option here, and National Debt Relief is among the providers built around it. Mechanism, in order: minimum payments stop; a fixed monthly amount accumulates in savings; the company then asks every enrolled creditor to accept a reduced payoff. In the right conditions, unsecured debt closes out below what you owe. Your creditors decide the outcome.

Reality check. Settlement is negotiation. It is not a bailout. During the build-up of your program fund, no payments reach the enrolled accounts. Expect calls from creditors, and possibly collection action from some. Fees apply. Expected duration: a couple of years. Also outside the definition: credit counseling, a consolidation loan, bankruptcy. Recommended sequence: book the free consultation, get the exact terms in writing, and line those terms up against every other option before you sign.

Key disclosure

Note

Debt settlement does not suit everyone; results vary. Program fees apply. Creditors can keep up collection efforts. It is neither credit counseling nor bankruptcy, and it is not a loan. Read every term before you enroll.

Process: three steps

  1. Free consultation Specialist call: your unsecured balances and your monthly budget, reviewed together. Nothing is owed and nothing is decided at this stage; you find out which accounts may qualify.
  2. Fund the program account Enrolled creditors are no longer paid directly. Monthly, you transfer the agreed amount into a dedicated account you control.
  3. Negotiate and settle Trigger: the account reaches a workable balance. The company then contacts each creditor to propose a payoff below the full amount owed. Creditors are free to decline, so timing and results vary.

Goal of settlement: enrolled unsecured debts resolved below the amount owed. Not credit counseling, not a loan, not bankruptcy. Results vary.

Fee schedule

ConsultationFree; no obligation
Up-front feesNone
Program feeCharged as part of the program; ask for the exact figure in writing
Approximate savingsAbout 45% before fees; 20% including fees (clients who stay with the program and settle all their debt)
Program lengthAs little as 24 to 48 months

Source of savings figures: National Debt Relief. They assume the client completes the program; not all clients do.

Fit check

A good fit if you

  • Multiple high-balance cards, none of which you can pay off in full
  • Unsecured debt big enough that minimum payments barely move it
  • A monthly deposit you can sustain for two to four years
  • A preference for one program payment over many minimums

Maybe not if you

  • Your main debts are secured: a mortgage, car loan or similar
  • You want to borrow rather than settle
  • You are looking for credit counseling, bankruptcy help or tax advice
  • You cannot count on setting money aside each month

Graduate outcome, as published

NDR Graduate Study 20259 out of 10surveyed graduates achieved better financial outcomes

Survey figure published by National Debt Relief. Individual results vary.

Get My Free Consultation

Free consultation. Zero up-front fees.

Questions about National Debt Relief

Q.01Is National Debt Relief a loan?
No. It is a debt settlement program, and nothing is borrowed. The company negotiates with your creditors, aiming to resolve each enrolled unsecured account below its full balance. Results vary.
Q.02How does settlement work, step by step?
Payments to enrolled creditors stop, and money goes monthly into a dedicated account. When the balance is large enough, negotiation starts creditor by creditor, targeting a payoff below what you owe. Refusals happen and the timeline is long, so outcomes differ.
Q.03What are National Debt Relief's fees?
The consultation is free and there are zero up-front fees. Program fees are part of the deal, so get your own fee terms on paper before enrolling.
Q.04Which debts qualify?
Typically: credit cards and some personal loans, both unsecured. Generally excluded: home mortgages, car loans and similar secured debts, along with certain other obligations. The free consultation confirms what may be eligible.

*"Debt-Free" applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Advertisement. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment and not all clients complete the program. National Debt Relief does not assume consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Participation may adversely affect your credit rating or score. National Debt Relief LLC, NMLS ID 1250950. Debt settlement may involve fees, and creditors may continue collection activity. This is not credit counseling, a loan, tax advice, or bankruptcy. Read all program terms before enrolling. Results vary.

Advertisement. FastFundPro is a free loan-request and comparison referral service and a marketing affiliate. We may be compensated when you use the links on this page, and that never changes the terms you are offered. FastFundPro is not a lender, an insurer or a debt settlement firm.

Next step

Check what your enrolled debts could settle for

Book the free consultation. Get the terms in writing. Line those terms up against every other option first. Results vary.

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