National Debt Relief

New York City is the location of National Debt Relief, an organization that has received numerous accolades for its work in debt relief. The business first opened its doors in 2009 and now has clients located all over the United States. National Debt Relief is an industry leader in consumer debt relief and general debt relief through its specialized debt settlement services.

This company provides an estimate of your potential savings at no cost and does not demand any fees upfront. The goal of National Debt Relief and the other companies that provide debt relief services is to assist consumers in paying off their debts at a reduced interest rate and lower overall cost.

In order for consumers to be eligible for the debt settlement program set up by National Debt Relief, they must have a minimum of $7,500 in outstanding loans that belongs to a qualified debt type. Debts such as major credit cards, department store credit cards, personal loans, medical bills, credit union debts, certain secured debts, and certain private student loans qualify as qualified types of debt. National Debt Relief cannot lead to an increase in debt associated with loans for automobiles, trucks, vans, or motorcycles; federal student loans; personal loans obtained from a person’s current bank; mortgages; or child support payments.

The 6 Best National Debt Relief Companies of 2022

The very best debt relief companies offer a way out of debt that might have you paying back less than what you originally owed if you take advantage of their services. These leading companies offering debt relief have competitive fees, as well as generally favorable customer reviews, which are as follows:

1. National Debt Relief

National Debt Relief

Debt Mgt Plans: Yes
Debt Settlement: Yes
Fee: 15% – 25% of debt enrolled

JOIN RIGHT NOW Why Did We Pick It?

Because of its proven track record for results, high level of overall transparency, and money-back guarantee, National Debt Relief came out on top in our ranking as the best company overall. On its website, National Debt Relief demonstrates its capabilities by providing several case studies that illustrate significant decreases in credit card balances.

Pros & Cons:


  • More than ten years of experience in the field
  • Proven success in settling customers’ debts for an amount that is less than what they owe
  • Without any up-front fees


  • Negative qualifying debts of $7,500 or more
  • Somehow doesn’t deal with certain kinds of debts, such as mortgage debt, for example.


National Debt Relief was established in 2009 with the primary mission of assisting customers in becoming debt-free through the implementation of a trustworthy debt settlement program. This company is very open and honest about both the process it uses and the results it achieves; on its website, they provide examples of work they’ve done for previous customers.

Consumers can get a head start on the process with the help of National Debt Relief, which provides free consultations with its trained debt counselors. When you reach that point, you will have the opportunity to describe your predicament and engage in a discussion about potential solutions, such as settling your debt through National Debt Relief.

This company, similar to other companies that offer debt settlement programs, requires you to set a certain sum of money in a different account every month. This money will be used later to settle your debts for an amount that is lower than what you owe. And meanwhile, National Debt Relief assists you in coordinating your efforts and acts as your representative when negotiating with your creditors.

To make use of this service, you won’t be required to pay any fees upfront; however, consumers typically pay between 15% and 25% of the total debt they enroll in the program in order to settle their debts at the end of the program. In general, the length of time for these companies’ programs is between 24 and 48 months. Signup now

2. Accredited Debt ReliefAccredited Debt Relief

  • Debt Mgt Plans: Yes
  • Debt Settlement: Yes
  • Fee: 15% – 25% of debt enrolled
Why We Chose It

Accredited Debt Relief is the best settlement option based on its proven results and success in this type of debt relief with high-interest credit card debt over $10,000.

Pros & Cons:


  • Proven results
  • Obtain an obligation-free consultation from a Certified Debt Specialist today.
  • You could save up to fifty percent on your regular payments.


  • Plans with a minimum debt of $10,000 that are considered negative
  • a lack of openness and clarity regarding the pricing


Accredited Debt Relief has been in business since 2011 with the main goal of providing debt relief options to families who need them. This company boasts an array of results on its website, with plenty of former customers settling their debts for as little as 50% of what they originally owed. Accredited Debt Relief is accredited by the AFCC.

Like other debt relief companies, Accredited Debt Relief focuses its efforts on debt settlement. It starts potential clients with a free consultation with a certified debt specialist who can help them talk over their situation and options. If they are deemed a good candidate for debt settlement, Accredited Debt Relief helps them begin saving money in a separate account and stop using credit cards.

From there, the firm negotiates with creditors on your behalf, which can lead to a debt settlement that is considerably less than the amounts owed. Accredited Debt Relief also offers a money-back guarantee that lets you cancel your program at any time without a penalty. SIGN UP NOW

3. DMB Financial

DMB Financial

Debt Mgt Plans: Yes
Debt Settlement: Yes
Fee: Not disclosed
JOIN RIGHT NOW Why Did We Pick It?

We decided to go with DMB Financial as our top choice for elevated credit card debt relief because of the company’s commitment to assisting customers in consolidating their debts into a single, more affordable payment. This is something that can be of great assistance when dealing with ever-increasing debts that have high-interest rates.



  • Integrate debts with high-interest rates
  • Pay less to settle your debts than what you actually owe.
  • Free advice and counseling
  • There are no particular requirements to participate in their programs.


  • There isn’t any pricing information provided on their website.


Founded in 2003, DMB Financial has a long history of helping clients establish debt settlement programs. This company reports results for its clients on its website. DMB Financial is also a member of the American Fair Credit Council, which includes a select number of debt settlement companies that commit to the highest standards for their clients.

You can call the company for a free initial consultation with a program consultant who can help you talk over your situation and goals. From there, a program will be created for you, during which you will make monthly deposits into a separate account. DMB Financial will then negotiate with your creditors for you to pay less than what you owe on your debts.

While DMB Financial focuses on all unsecured debts, it claims to be able to help consumers the most with high-interest credit card debt. With one of its programs, you can consolidate all your bills into a single monthly payment you make into a savings account each month. This can be a lifesaver when your interest rates and bills are just too high and continue to grow as you make only minimum monthly payments. Signup

4. New Era Debt Solutions

New Era Debt Solutions

Debt Mgt Plans: Yes
Debt Settlement: Yes
Fee: 14% to 23% of debt enrolled

Why We Chose It

New Era Debt Solutions maintains a staff of attorneys ensuring that everything is done according to state and federal law giving consumers confidence in the job done.

Pros & Cons:


  • There are neither one-time nor recurring administrative fees
  • Attorneys working in-house
  • Every service is performed in-house in its entirety.
  • Debt-free consultation with an experienced financial advisor


  • In some states and cities, this service is not available.


New Era Debt Solutions has been in business since 1999 and has helped clients settle over $250 million in debt. Clients will not pay any upfront charges for its services. Its plans also come without any monthly administration fees, and performance-based fees are only charged when you see results.

Like other debt settlement companies, New Era Debt Solutions has its clients save money for debt settlement in a separate account. In the meantime, they negotiate with your creditors to help you pay less than what you owe.

According to the company, its clients settle their debts and become debt-free after an average of fewer than 2-3 years. They claim to be able to expunge over 50% of the debt owed. The company claims to lower both the balance and interest rates of debts.

Other benefits of New Era Debt Solutions include the fact it has attorneys on staff and an account management team is also assigned to each client from the start. The company also handles all of its work in-house and never outsources tasks to other unproven firms or contractors. Signup

5. CuraDebtCuraDebt

Debt Mgt Plans: Yes
Debt Settlement: Yes
Cost: Varies, with an average fee equivalent to 20% of the debt enrolled.
JOIN RIGHT NOW Why Did We Pick It?
CuraDebt provides consumers who owe back taxes with specialized assistance, in contrast to other debt relief companies that avoid dealing with tax debts altogether. In addition to its traditional debt settlement programs, which can help consumers become debt-free while paying less than what they owe, this program is offered as an additional option for consumers.

Pros & Cons:Pros

  • Assistance with back taxes and debt settlement programs are also available.
  • Free advice and counseling


  • Personal consultations are only accessible in person in the city of Hollywood, Florida


CuraDebt has been in business since 2000, and it offers free consultations for consumers interested in its debt relief programs. Like other debt relief companies, CuraDebt also displays an array of debt settlement letters on its website, many of which show consumers who settled debts for as little as 20% of what they owed. Additionally, the company reports that its customers typically pay approximately 20% of their enrolled debt amount in fees over time. There are no monthly administration fees.

Where many other debt relief companies don’t touch outstanding tax debts, CuraDebt offers specific assistance for consumers who owe back taxes and need help coming up with a plan while they manage other debts they have. This makes CuraDebt unusual in that it can help consumers who have multiple types of debt including taxes, credit cards, and personal loans.

Specifically, CuraDebt’s assistance for tax debt relief includes flat-fee pricing and help to settle and to negotiate IRS and state tax debts. It even has federal and state tax experts on staff, and this assistance is available in all 50 states. Signup

6. Freedom Debt ReliefFreedom Debt Relief

Debt Mgt Plans: Yes
Debt Settlement: Yes
Fees ranging from 15% to 25% of the total debt enrolled in the program

JOIN NOW Why We Chose It
We went with Freedom Debt Relief because it provides clients with an interactive dashboard that displays their current status and allows them to monitor their progress.

Pros & Cons:


  • Free advice and there are no fees at the beginning
  • The customer platform allows you to follow your advancement


  • Less clear outcomes documenting


Freedom Debt Relief has been in business since 2002 and currently employs over 2,000 highly trained debt experts and professionals. It starts clients off by offering a free consultation with a certified debt consultant who can help them talk over their debts and what they hope to accomplish. From there, they craft a personalized debt settlement plan that asks you to save a specific amount in a separate account to use for debt settlement later on.

One feature that helps Freedom Debt Relief stand out is its interactive process. Once you sign up for a debt settlement program and begin making deposits, you’ll qualify for a client dashboard that you can use to stay up to date on your program. This dashboard lets you see how much you have saved, how much you owe, and any progress Freedom Debt Relief has made in negotiating debts on your behalf.

Freedom Debt Relief says its clients don’t pay any fees until work is done on their behalf. By the end of their debt settlement programs, customers pay a fee equal to a percentage of the amount of debt they enrolled in the program. While Freedom Debt Relief cannot guarantee it will settle your debts, it claims that many of its clients wind up paying significantly less than the amounts they once owed. Signup

Frequently Asked Questions:

What Can You Expect from a Debt Relief Company?

Companies that provide debt relief are typically for-profit organizations that assist consumers in settling their debts for an amount that is lower than what they owe. Consumers who are so overburdened with debt that they are unable to think of a solution by themselves are the target audience for the services offered by these companies.

It is important to keep in mind that the industry of debt relief is riddled with scams, despite the fact that there are many reputable companies offering debt relief services out there. For this particular reason, the Federal Trade Commission (FTC) recommends exercising caution when selecting the companies with which you collaborate. You should also make every effort to avoid working with debt relief companies that attempt to charge money because once those who resolve your liabilities or ones that advertise a new government program that could help.

What Is Debt Settlement?

Most debt reduction organizations consider debt settlement the best way to reduce consumer debt. As a component of the debt settlement, these companies demand consumers save a particular amount monthly. This account saves money for future bills. Debt relief companies will negotiate with your creditors on your behalf, frequently offering less than you owe. Successful debt settlement clients should be borrowing and able to move on.

Even though paying less as your own might sound ideal, the FTC warns that debt settlement is risky. National Debt relief firms may advise you to stop paying bills while they resolve debts, which might harm your credit. They’ll satisfy your bills during this time. Your creditors aren’t required to settle your debts for less than you owe, so there’s no guarantee that the debt relief company you hire will be effective.

What is Debt consolidation?

Here’s the difference between debt settlement and debt consolidation. In debt settlement, you engage with a debt relief firm to settle your debts for less than you owe. In debt consolidation, you take out a new financial product (usually a private mortgage or a transfer credit card) to merge your debts.

Debt consolidation combines all your debts into one with a lower APR and better conditions. Debt consolidation saves money by reducing many monthly payments to one.

Debt-relief companies hurt credit?

Stopping payments can hurt your credit score in debt settlement programs. Your credit score is the most crucial component in determining your FICO score.

Credit score damage isn’t the only concern. Stopping payments to save for debt settlement might result in late penalties and fees that raise amounts. During your program, lenders or debt collectors may call or sue you.

Debt relief price?

Debt reduction companies usually offer a free consultation. Then, they impose achievement penalties as a proportion of your debt.

According to the businesses we evaluated, debt reduction fees are 15% to 25% of total indebtedness. If you have $10,000 in credit card balances and enroll in a debt settlement program, you may pay $1,500 to $2,500. That’s in addition to what you pay creditors to settle debts.

Final Verdict

Each of the top national debt relief organizations on our list is reliable, offer numerous services, and helps consumers manage and reduce debt. Others provide more debt relief choices and reduced fees. National Debt Relief is recommended. The company’s website provides debt reduction instances and has an established track record.