National Debt Relief
Overview
National Debt Relief, LLC is a for-profit debt-relief and debt-settlement provider. The company states that it was founded in 2009 and provides debt-resolution services; its website also identifies affiliated companies, subsidiaries, successors, and assigns but does not identify a parent company. [2][3]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | National Debt Relief, LLC [1] |
| Headquarters | 180 Maiden Lane, 28th Floor, New York, NY 10038 [1] |
Published Fee Schedule
| Structure | flat |
| One-time setup fee | No upfront/setup fee identified; the provider states that there are no fees until accounts are settled. [3] |
| Percentage range | Approximately 15%–25%. [4] |
| Directory summary | 15–25% of enrolled debt (typically up to 25%), charged after settlement. No monthly service fee reported. |
The provider’s state disclosures expressly state that fees are calculated as a percentage of debt enrolled in the program. Exact rates may vary by state and individual program. [2][4]
Coverage
Provider-published coverage is broader than the independent review: the provider lists 48 jurisdictions, while ReliefGuardian reports 46 states and five unavailable states. The sources may be using different definitions of availability, such as direct debt-settlement availability versus referral or other debt-help options. [4][5]
Accreditation & Licensing
BBB independently lists National Debt Relief as accredited with an A+ rating. ACDR and IAPDA claims appear on National Debt Relief’s website; they were not independently verified through a separate association directory within the six-source limit. [6][4]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr |
BBB maintains a business profile and complaint function for National Debt Relief, but a reliable closed-complaint count was not available in the reviewed source material. No CFPB or state-AG adjudicated outcome was identified in the reviewed sources; pending allegations, complaints, or investigations are not reported as outcomes.
Cited Sources
- National Debt Relief official website — National Debt Relief (September 14, 2026) — First-party provider website.
- Online Privacy Policy — National Debt Relief (September 14, 2026) — First-party policy identifying National Debt Relief, LLC and its principal business address.
- State Licenses and Disclosures — National Debt Relief (September 14, 2026) — First-party licensing/disclosure page identifying related names, CEO, state registrations, and fee-basis disclosure.
- Online Terms of Service — National Debt Relief (September 14, 2026) — First-party terms defining National Debt Relief and its affiliates, subsidiaries, successors, and assigns.
- National Debt Relief can connect you with multiple debt help options based on where you live — National Debt Relief (September 14, 2026) — First-party state-selection and fee page; coverage may include multiple debt-help options rather than only direct debt settlement.
- National Debt Relief Review 2026 — ReliefGuardian (September 14, 2026) — Independent review reporting 46-state availability, a $7,500 minimum, and five unavailable states; used only to document the coverage discrepancy.
- National Debt Relief | BBB Business Profile — Better Business Bureau (September 14, 2026) — BBB business profile independently supporting LLC status, 2009 business/incorporation date, accreditation, and A+ rating.
- Search for Corporations, Limited Liability Companies, Limited Partnerships, and Trademarks by Name — Florida Division of Corporations (September 14, 2026) — Government corporate-search results showing multiple historical/current entities using National Debt Relief names; not used to conclusively establish that every listed entity belongs to the provider.