National Debt Relief

What National Debt Relief does

National Debt Relief is a U.S. consumer debt settlement company founded in 2009 and headquartered at 180 Maiden Lane, New York. It negotiates reduced balances on unsecured consumer debts — primarily credit cards, but also medical bills, personal loans, private student loans, business debt, and similar obligations — on behalf of individual clients who deposit monthly payments into a Dedicated Savings Account that funds settlements as they are reached. The company charges a performance-based fee of up to 25% of enrolled debt, collected only after a successful settlement, with a minimum debt threshold typically around $7,500 and program durations of 24–48 months; it states it has helped over 1.3 million consumers and operates in most U.S. states (excluding Oregon, Vermont, West Virginia, Wisconsin, Puerto Rico, Guam, the U.S. Virgin Islands, and Washington D.C.). It holds NMLS ID 1250950 and state-specific licenses in 20+ jurisdictions, A+ BBB accreditation, and Platinum IAPDA accreditation.

The company's technology stack centers on a Snowflake-based data warehouse built with implementation partner Atrium, which consolidated previously siloed operational data and reduced the dashboard count from 5,000 to consolidated views while moving reporting availability to 8am. A proprietary AI framework called AIFA-FinX layers predictive modeling, behavioral analytics, and natural-language processing onto this data to assess debt solvency, detect fraud, and optimize intervention strategies, contributing to a reported 95% quota attainment among high-adoption sales users. The product surface extends beyond core settlement into adjacent debt categories (credit card, medical, business, personal loan, private student, veteran, retiree, and marital), plus debt consolidation referrals, bankruptcy information, credit counseling links, and a suite of financial calculators.

Commercially, National Debt Relief runs an inside-sales-led, direct-to-consumer motion through a phone-based consultation line (800-300-9550) and a self-service web application, supported by SEO-optimized state pages, a financial-education blog, active social profiles, and a high-visibility NASCAR sponsorship with Joe Gibbs Racing and Denny Hamlin's No. 11 Toyota across 12 races in the 2026 Cup Series. Customer segments include primary consumers with unsecured debt, plus targeted personas for veterans, retirees, small business owners, and Hispanic Americans (with Spanish-language services). A channel partnership with Reach Financial extends the offering into debt consolidation loans. Recognition includes 4th consecutive Forbes Advisor Best Debt Relief Company (2026), USA TODAY Most Trusted Brands 2026 (5/5), and a top-3 position in the AI Visibility Index citation share.

Name

National Debt Relief

Legal name

National Debt Relief LLC

Website

https://nationaldebtrelief.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

251–500 employees

Short description

National Debt Relief is a U.S. debt settlement company founded in 2009 that negotiates reduced balances on unsecured consumer debt (primarily credit cards) for a performance-based fee of up to 25% of enrolled debt. It has served over 1.3 million clients across most U.S. states via phone-based inside sales and digital channels.

Ownership category

akta.pro rank

Product category

Consumer Debt Relief & Settlement

NAICS

Collection Agencies (561440), Credit Intermediation and Related Activities (522)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Debt Settlement & Negotiation Services (FSAEAFAC)

Keywords

• Debt settlement services
• Consumer debt relief
• Credit card debt negotiation
• Debt consolidation programs
• Credit counseling services

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure, Others

Revenue model

1. Debt Settlement Services: Performance-based fee model where National Debt Relief charges a fee only after successfully settling client debts. Fees vary by state and enrolled debt amount, up to 25% of the enrolled debt. Clients deposit monthly payments into a Dedicated Savings Account, which is used to pay creditors the negotiated reduced amounts once settlements are reached.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

National Debt Relief negotiates with creditors on behalf of consumers to settle unsecured debts at reduced balances. Clients deposit monthly payments into a dedicated savings account that they control, and the company uses those funds to pay negotiated settlements. The firm charges a performance-based fee of up to 25% of enrolled debt only after a settlement is reached, with programs typically lasting 24-48 months.

Product overview

National Debt Relief offers a comprehensive debt settlement platform with a core debt settlement service that negotiates with creditors to reduce unsecured debts. The company provides a suite of specialized debt relief services across multiple categories including credit card debt relief, medical debt relief, business debt relief, personal loan debt relief, student debt relief, veteran debt relief, retirement debt relief, and marital debt relief. Additional offerings include debt consolidation programs, bankruptcy referrals, and credit counseling services. The platform also includes financial planning tools such as calculators for debt payoff, consolidation loans, and credit optimization. Services are available in most U.S. states and territories, with specific licensing and disclosures for each state. The company's performance-based fee structure charges up to 25% of enrolled debt, with typical client programs lasting 24-48 months.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Settlement Services
• Credit Card Debt Relief
• Debt Consolidation Relief
• Medical Debt Relief
• Business Debt Relief
• Personal Loan Debt Relief
• Private Student Debt Relief
• Veteran Debt Relief
• Retirement Debt Relief
• Marital Debt Relief
• Bankruptcy Services
• Credit Counseling
• State-Specific Debt Relief Programs

Quantifiable outcome

• Clients typically save 45% before fees, or 20% including fees, over 24-48 months
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Joe Gibbs Racing and Denny HamlincoreGTM or Marketing Partner · 3 February 2026National Debt Relief extended its partnership with Joe Gibbs Racing and NASCAR driver Denny Hamlin for the 2026 NASCAR Cup Series season, sponsoring Hamlin's No. 11 Toyota in 12 races. The partnership began in 2024 and aims to raise awareness about debt relief solutions amidst rising household debt in the U.S. The partnership also includes NASCAR Chicago Street Race involvement.
• Snowflake (via Atrium implementation partner)coreTechnology or Integration · 27 August 2025National Debt Relief partnered with Atrium to build a modern data warehouse on Snowflake, consolidating previously siloed data into a single trusted platform for analytics and AI capabilities. The implementation reduced dashboard count from 5,000 to consolidated views, cut reporting delays from late afternoon to 8am availability, and enabled 95% quota attainment among high-adoption sales users.
• Reach FinancialminorChannel Partner/ Reseller/ DistributorDebt consolidation loans offered through partnership with Reach Financial, providing clients access to consolidation loan options as part of the suite of debt relief solutions.
• Association for Consumer Debt Relief (ACDR)minorOthersActive, accredited member of the Association for Consumer Debt Relief (ACDR), an industry association for debt relief providers.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Others

• National Foundation for Credit Counseling: Umbrella network of nonprofit credit counseling agencies. Functions as both a referral source and a competitor at the consumer-decision stage between credit counseling and debt settlement.
• Reach Financial: Debt consolidation loan provider that is already a National Debt Relief channel partner. Represents the alternative product path (consolidation loan instead of settlement) and could become both a partner and a competitor as borrower preferences shift.

Direct peers

• Accredited Debt Relief: Direct debt settlement peer offering creditor negotiation and savings-account-based programs for unsecured consumer debt. Part of the same three-player group as National Debt Relief and Freedom Debt Relief in AI-mediated consumer research, with overlapping product and customer profile.
• Pacific Debt Relief: Debt settlement company focused on unsecured consumer debt (credit cards, medical, personal loans), using the same dedicated-savings-account negotiation model. Comparable in target customer, fee structure, and program duration.
• New Era Debt Solutions: Consumer debt settlement provider negotiating reduced payoffs on unsecured debt. Smaller scale than National Debt Relief but operates the same settlement-fee business model with similar client demographics and geographic footprint.
• Freedom Debt Relief: Largest direct competitor in U.S. consumer debt settlement, offering nearly identical creditor negotiation services with performance-based fees. Co-leads with National Debt Relief in AI Visibility Citation Share (~68% combined) and serves the same unsecured-credit-card debtor segment.
• CuraDebt: Debt settlement and debt consolidation provider serving consumers with unsecured debt, including tax debt relief. Competes in the same performance-fee-driven settlement model with similar customer acquisition through digital channels.

Emerging players

• GreenPath Financial Wellness: Nonprofit credit counseling and debt management plan (DMP) provider that competes for the same financially stressed consumers but routes them into structured repayment rather than settlement. Adjacent product, overlapping customer acquisition channels.
• Money Management International: Nonprofit credit counseling agency offering debt management plans, housing counseling, and financial education. Competes with National Debt Relief for the same distressed-consumer segment, often at the top of the funnel before clients choose settlement vs. DMP.
• Rocket Money: Subscription-based personal finance app that helps consumers cancel subscriptions, build budgets, and negotiate bills. While not a debt settlement provider, it targets the same financially stressed demographic with a lower-friction, AI-driven alternative that may divert leads from settlement funnels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/nationalrelief_
• YouTubeyoutube.com/@Nationaldebtrelief
• Facebookfacebook.com/NationalDebtReliefGroup
• LinkedInlinkedin.com/company/national-debt-relief-group
• Instagraminstagram.com/nationaldebtrelief

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Debt Relief