I worked at National Debt Relief for over 9 years, here’s what you need to know before you talk to them.
I’m not going to lie to you, debt consolidation is not a magic pill that will fix all your financial problems.
But it can be a useful tool to help get your finances under control.
If you’re considering talking to National Debt Relief about consolidating your debt, there are a few things you should know first.
First, National Debt Relief is a for-profit company. That means they’re in business to make money. They’re not a charity or a government agency.
Second, National Debt Relief will charge you fees for their services. These fees can vary depending on your individual situation, but they typically range from 15% to 25% of your total debt.
Third, National Debt Relief will not be able to consolidate all of your debts. Some debts, like student loans or taxes, can’t be consolidated. And even if they could consolidate your debt, it might not be in your best interest to do so.
Fourth, you should know that there are other options for consolidating your debt. You could get a personal loan from a bank or credit union, or you could work with a nonprofit credit counseling agency.
Fifth, it does work. It’s a proven program that has helped over 400,000 families since 2009. There are no fees until you see results. They are completely performance-based. So if you don’t see your debt reduced, you owe them nothing.
Sixth, NDR offers a satisfaction guarantee. There’s no satisfaction guarantee when you file bankruptcy. If you’re not happy for any reason at all, they will work to make it right or you can cancel and get your money back.
Seventh, National Debt Relief has 84,872 real client reviews. You need to read some of these reviews to realize you are not alone in your financial struggle. I read hundreds of call transcripts from a service we used to call clients and get their thoughts about the program and the results they were seeing. Many of them said they wished they would have called sooner and they are feeling a huge weight lifted from their shoulders.
If you’re still interested in talking to National Debt Relief about consolidating your debt, the next step is to call them and set up a free consultation. During this consultation, they’ll review your debts and your financial situation. They’ll also explain their fees and how their debt consolidation process works.
If you decide to move forward with National Debt Relief, they’ll start by negotiating with your creditors on your behalf.
Freeing you from the daily financial stress and worry about your credit card debts.
If you stick to your payment plan and make all of your payments on time, you should be able to pay off your debt within two to four years.
And once you’re debt-free, you can start working on building up your savings and improving your credit score.
So, can National Debt Relief help you get out of debt? Yes. But there’s no guarantee that it will be easy or quick.
Before you decide to work with them, make sure you understand their fees and the risks involved. And remember, there are other options for consolidating your debt. Choose the one that’s best for you.
If you’re considering working with National Debt Relief, I would encourage you to do your research and read reviews from other customers. You can also check out the Better Business Bureau website to see how they resolved complaints filed against them.
-Adam Tijerina
Former Marketing Manager at National Debt Relief