Best Debt Relief Companies for November 2024
Top-ranking company that works with credit card debt
Lowest debt settlement fees among top-ranking companies
Referral service for other debt solutions
Available in most states
No live chat option
Not available in Oregon, Vermont, or West Virginia
Doesn’t disclose savings account fees
National Debt Relief scored highly across the board in major categories that we rate the best debt relief companies on, making it the best overall debt settlement service. It charges low fees (from 15% to 25% of the debt that the company successfully settles, versus the total amount) and works with most types of unsecured debt, including “some student debts.” Although most debt settlement companies can help with credit card debt, National Debt Relief is our top pick for credit card debt thanks to its high overall score.
If National Debt Relief can’t help you, it can offer referrals to partners for things like credit counseling and debt consolidation loans.
National Debt Relief is based in New York City and has been around since 2009.
Learn more in our full review: National Debt Relief Review.
National Debt Relief, by law, doesn’t charge any upfront fees of its own.You’ll get a free consultation, and if you decide to proceed, National Debt Relief will set you up with an FDIC-insured savings account from a third party, which often comes with a setup fee and recurring monthly fees.
After a few months of building up a settlement fund in that account, National Debt Relief will start negotiating with your lenders. For any debts that it’s successfully able to settle, you’ll pay 15% to 25% of the settled debt.
While National Debt Relief is upfront with its own charges, it’s unfortunately silent about how much you’ll have to pay for the
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