Savviest Saver

Find Out If You Qualify For Debt Relief

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How much Credit Card and Personal Loan debt do you have?*

How It Works

You’re in control, our debt experts do the work.

  • Get a free consultation

    Share your situation with us and explore your debt relief option, no strings attached.

  • We’ll build a plan that fits your budget

    Review and approve a personalized solution tailored from our full range of services.

  • Become debt-free sooner than you expect

    Regain control of your finances in just 24 to 48 months.

Testimonials

Saved 29% on her debt

It really started to open up this whole new life. And that was the moment that I realized I could breathe.

– Andrea, Primary care physician

Saved 37% on his debt

Now I have money, I can take the kids out for their birthdays. I can buy new things for myself.

– Eric, Government contractor

Saved 38% on her debt

There is a sense of relief that I don’t have to worry about drowning in debt anymore, when I know National Debt Relief is there to help me.

– Madelyn, Proud mother and wife

Any questions?

We’ve got answers

What’s the difference between Debt Settlement and Debt Consolidation?

Debt settlement reduces your balance. Your debt is negotiated down, and you pay less than you owe. The creditor forgives the remaining balance in a transaction called a settlement. Debt consolidation combines all of your debt into one loan with a single monthly payment, often at a reduced rate of interest. This typically requires a higher credit score for approval.

That depends. Your creditors will issue you a 1099-C form for any debt forgiven over $600. The forgiven debt counts as income. But, if you are insolvent (you have more liabilities than assets) at the time we settle with your creditors, you may not have to pay any taxes on the forgiven debt.

“A taxpayer is insolvent when his or her total liabilities exceed his or her total assets. The forgiven debt may be excluded as income under the ‘insolvency’ exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is insolvent.” – IRS.gov

It’s best to speak with a CPA or tax professional for help with this.

Yes! In following the requirements of federal law, we do not complete a settlement unless you approve it. Moreover, we do not collect a fee associated with our efforts to settle a particular debt until you have approved that settlement and made at least one payment. If we can’t settle your debt or if you’re not satisfied up to the point of us settling your debts — for any reason — you can cancel anytime without any penalties or fees other than any fees earned associated with prior settled debts. That’s right! We get results or you don’t pay.

If you’re barely keeping up with your minimum payments and the balances on your accounts keep growing, then our program may be right for you. Why fight a losing battle against rising debt, when our debt relief services can help?

You’ll need to make a conscious decision to stop monthly payments to your creditors, since they won’t negotiate a reduced principal balance if you’re current. This helps establish a legitimate financial hardship for the creditors, giving you the opportunity to participate in this savings program.

Yes! If you’re living paycheck-to-paycheck, carrying high balances on your credit cards, and struggling to make the minimum payments, you’re dealing with unnecessary stress that can affect both you and those close to you. When you enroll in our program, not only will we negotiate down your debt and help you get on top of your finances, but you’ll also find yourself free of the stress, guilt, and worry that comes with overwhelming debt. That means you’ll have time to focus on what really matters: family, career, and enjoying life to the fullest.