Frequently Asked Questions

FAQ

  • Each month, new clients start their path to financial stability with Life After Debt. Since 2009, our process has helped more than 600,000 of people get out of debt. They are the country’s top-rated debt settlement company and pride ourselves on our track record.

    • The votes are in! We are rated #1 by Forbes, Bankrate, Top Consumer Reviews, Top Ten Reviews, Consumers Advocate and Consumer Affairs

    • Forbes Advisor and BankRate selected us as their top debt settlement company

    • A+ rating from the Better Business Bureau

    • Over 37,000 reviews on TrustPilot with a 4.7 out of 5 rating

    • Active, accredited members of the American Association for Debt Resolution

  • If you’re drowning in high interest credit card debt and struggling to keep up with minimum payments, National Debt Relief can help you breathe again. Our program is a great choice for people with high levels of unsecured debt who are struggling with financial hardship, like a divorce or job loss. 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?

  • 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.

    Our program is easy to understand. Rather than paying your creditors, you’ll deposit a monthly payment to a Dedicated Savings Account, in your name and under your control. As funds build up, we’ll contact your creditors to negotiate and agree upon reduced balances. Because you’re no longer paying the creditor, they will likely view getting a reduced amount as better than risking no payment at all. Then, you’ll authorize us to use the funds in your Dedicated Savings Account to pay your creditors the lower, negotiated amounts.

  • Absolutely! Thousands of people every month find out that our program works for them. National Debt Relief goes far beyond making sure you can afford our program – we take the time to review your budget to create a custom program that will relieve both your financial burden and your stress.

  • We cover most debt, including:

    • Credit Cards

    • Personal Loans

    • Lines of Credit

    • Medical Bills

    • Much More: Collections, Repossessions, Private Student Loans, Business Debt

    If you’re unsure about whether your debt would qualify, just sign up for a free clarity call.

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do 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. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.