BBB Accredited Business since

National Debt Relief, LLC

Phone: (888) 703-4948 View Additional Phone Numbers 11 Broadway  Suite 1600, New York, NY 10004

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This company offers debt relief services to consumers, including consolidation and non-bankruptcy options including debt settlement and debt negotiation.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that National Debt Relief, LLC meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for National Debt Relief, LLC include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 27 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

27 complaints closed with BBB in last 3 years | 12 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 7
Billing/Collection Issues 5
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 15
Total Closed Complaints 27

Customer Reviews Summary Read customer reviews

6 Customer Reviews on National Debt Relief, LLC
Customer Experience Total Customer Reviews
Positive Experience 2
Neutral Experience 0
Negative Experience 4
Total Customer Reviews 6

Additional Information

BBB file opened: October 16, 2009 Business started: 09/23/2009 in NY Business incorporated 09/23/2009 in NY
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Daniel Tilipman, President Mr. Alex Kleyner, CEO
Contact Information
Customer Contact: Mr. Alex Kleyner, CEO
Principal: Mr. Daniel Tilipman, President
Business Category


Industry Tips
Debt Consolidation/Bill Paying Services Take Control of your Debt

Additional Locations

  • 11 Broadway
    Suite 1600

    New York, NY 10004 (888) 703-4948 (888) 660-7427


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

2/3/2016 Problems with Product/Service
11/30/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: I called in to find out information on how they could help us get out of debt. Forty five minutes into the situation they are telling me that I am not able to see the agreement prior to them getting my account and routing number. I don't feel like giving my account and routing number for payment makes sense until I see an agreement or contract of some sort. He then harrassed me with four additional calls after I asked him to stop. Now I am getting calls from the area with people telling me they are opening lawsuits. I feel this sales agent is a compromise of all the personal information I have given him already and need immediate protection for me and my family.

Desired Settlement: I for one am asking that I have my wife and my information completely removed from their possession as well as additional protection from Lifelock due to the nature and aggression of the harassment.

Business Response:

Thank you for forwarding *** ********* correspondence to National Debt Relief’s attention.  National Debt Relief is committed to providing first-rate service to each and every consumer, and potential consumer, who comes to us for professional assistance with their debts.  Upon receiving notice of *** ********* concerns, we performed a comprehensive review.


As stated in his correspondence, *** ******* called National Debt Relief on November *, 2015 to inquire about how we can help him accomplish the goal of becoming debt free.  When a consumer calls in to inquire about our services, they speak with a certified debt specialist who provides the consumer with a personal consultation.  The debt specialist will answer all of the consumer’s questions and also analyze their eligibility for our debt relief program.  As part of our screening process, we review the consumer’s debts, monthly budget, ability to save funds, etc.  Once the consumer is determined to be eligible and expresses their desire to enroll in National Debt Relief’s program, they undergo an underwriting process which includes, among other things, obtaining the consumer’s banking information.  Our team members are careful to explain that obtaining their banking information is not for the purpose of charging the client any fees.  Indeed, National Debt Relief does not charge any fees for our services unless and until we obtain a settlement with your creditors, you approve that settlement, and you make a payment to the creditor on the settlement.  The reason we initially obtain clients’ banking information is so that we can assist them in establishing a savings account that is specifically dedicated to their program.  The client will utilize the dedicated savings account throughout their program to save funds, pay their creditors, and, when appropriate, to pay National Debt Relief’s fees.  Since the dedicated account is an integral part of our program, the client’s banking information is requested during the underwriting process.  


In our review of this matter, we carefully listened to the telephone conversation with *** *******, which was recorded for quality assurance.  National Debt Relief consistently strives to maintain quality customer service to all of our clients, and potential clients.  A review of the recording revealed that when *** ******* expressed his concerns about providing banking information, our team member cordially tried to explain the need for the information.  National Debt Relief holds all of our representatives to a very high standard and, after reviewing the recordings, we are proud to say that our team member spoke with *** ******* in a professional and respectful manner.  Unfortunately, though, *** ******* was not comfortable with providing his banking information and stated that he decided to not move forward with enrollment.  


It’s truly unfortunate that *** ******* declined to join National Debt Relief in his quest for debt freedom.  However, *** ******* can rest assured that any personal information obtained from him was kept completely confidential at all times and not divulged to any other parties.  Our company is built on helping people with some of their most personal matters, during some of their most vulnerable times.  One of the dominant reasons why National Debt Relief has grown to be a premier debt relief provider in America is because we truly understand the importance of maintaining the integrity of our clients’ information.  As part of our standard protocol, once *** ******* declined to enroll, we closed his file and all of his information has now been purged.  We wish *** ******* the very best of luck with his finances, and all of his future endeavors.


Yours Truly, 


**** *******

National Debt Relief

11/3/2015 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: I've been with this company for 4 months trying the get my debt consolidated with 4 creditors. They promise me that they will start to negotiate with them within 3 months. It have been over 4 months now and I still receive calls from my creditors. When I called to national debt relief they say something different every time I call like I need 20% percent of my money I sent to them in order to start negotiate with the creditors. Also they would say that they will take another month to call them. As of now I've sent them $ 1,127.52 and still haven't receive an debt solution or a letter that they reach an agreement with the creditors. The creditors haven't receive notice from them as of today September **, 2015. I know they are just getting me a runaround and its not fair and I want this resolve.

Desired Settlement: I just want my money back to pay my creditors and cancel my program with national debt relief

Business Response: National Debt Relief is a nation-wide debt relief provider primarily devoted to average consumers who have become overwhelmed with mounting consumer debt.  Over the years, our commitment to our clients and our principles have allowed us to grow and become an industry leader in helping consumers resolve their debts and getting their life back.  When we received notice of *** ******** concerns, we addressed it immediately.

On April **, 2015, *** ****** made the very important decision to take action on his accumulating debt and hired National Debt Relief to work with his creditors to reduce his balances.  He enrolled four (4) accounts that, collectively, have a total balance of approximately $12,000.  The debt relief program we designed for him was for a thirty (30) month term.  This simply means that, based on his total debt load, his savings ability, and several other important factors, we estimated that with our program he can attain significant savings on his four (4) accounts and become debt free in approximately thirty (30) months.  We had explained to *** ****** that it typically takes approximately (4) months to receive a settlement on the first account.  However, this four-month estimate is simply an approximation based on our prior experience and expertise, not a guarantee.  As with all of our clients, this four-month period was presented to *** ****** as an estimate at the outset of his program and on other occasions.  Unfortunately, when *** ****** did not receive his first settlement within the first four (4) months he was disappointed and decided to opt out of our program.

Abiding by his decision, we immediately took all appropriate steps to cancel *** ******** program and close out his file.  Since we had not yet obtained any settlements for him, we did not charge him any fees for our services.  As part of our cancellation protocol, we also notified his financial institution to return to him all of the funds he had deposited into his dedicated savings account during the course of his enrollment.  After a full review, we can confirm that his funds were wired back to him on September **, 2015, minus the small monthly fees that the financial institution charges to maintain such savings accounts, similar to many banks.  The total fees charged by the financial institution were $58.25. 

Needless to say, National Debt Relief was very disappointed that *** ****** opted out of his program prior to realizing the significant financial benefits that our clients attain through our services.  Nevertheless, we wish him success in resolving his debts and the very best of luck in all of his future endeavors. 

Yours Truly,

Alex K******
National Debt Relief, LLC

10/31/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I called National Debt Relief at the behest of my father because he said the line dropped when he tried to call. I called ONCE and the same thing happened to me so I told my father to try again tomorrow. Ever since then they will not stop calling me. I told them I do not need their services what-so-ever. I've called them on 3 different occasions to take me off the call list and they promised me they would. I work graveyards and the calls wake me up in the middle of the day. It is having a negative impact upon my health, overall well-being and work performance.

Desired Settlement: STOP CALLING ME, STOP CALLING ME, STOP CALLING ME. Need I say it again and again and again? I'm tired of being harassed!

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

They finally stopped calling me.


**** ********


7/17/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I have an account with this company to help me with my debts. I have moved back to Australia and they will not give me an overseas contact number. They keep emailing me to advise me of a settlement that I would like to go ahead with, but the only phone number is ###-###-####. I have replied to them at least 10 times asking for a phone number that I can call them from Australia. I just get the same email back no matter what. Dear ****** ********* Our office attempted to reach you today by telephone regarding your Debt Relief Program. Please contact our office as soon as possible so that we may update you on the progress of your account. This information may be time sensitive and require immediate action. You may reach National Debt Relief's Client Services Department by calling ###-###-#### Monday - Thursday between the hours of 9AM-7PM EST and 9AM-5PM EST on Fridays. We look forward to hearing from you soon. National Debt Relief Client Service Department ###-###-#### Toll Free ###-###-#### Fax **************************

Desired Settlement: That I can actually call them!

Business Response: National Debt Relief is always committed to providing consumers with the highest level of customer service possible.  When we received notice of *** *********’s correspondence, we addressed it immediately.

*** ********* initially enrolled as a National Debt Relief client in February 2014.  She resided in California at that time.  In April 2015, *** ********* notified us that she was moving to Australia.  Just a few weeks ago she provided us with her new, Australian phone number and requested a “local contact number” to reach us since toll-free numbers are not reachable from outside of the United States.  Being that when she moved to Australia all communications with *** ********* were exclusively via e-mail, there was an apparent misunderstanding that she was requesting a local number for National Debt Relief in Australia. There is, of course, no international phone number for National Debt Relief.  Virtually all of our clients reside within the United States and so our toll free number, ###-###-####, is the only number that we generally provide.  

Given *** *********’s unique situation and that she’s been a wonderful National Debt Relief client since February 2014, we’ve extended a small accommodation and provided her with a local New York phone number that she can call from Australia.  We’ve already spoken with her several times since then, so we can confirm that telephone communication to and from Australia is no longer an issue.  National Debt Relief looks forward to continue servicing *** ********* until we help her attain the goal of getting over her consumer debts, even from Down Under!


**** ******* ******** **** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

***** *********


6/19/2015 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: I joined this company a couple years ago. Money was taken from my bank to finish paying service fees when I decided to drop the program, I was previously told that they collected their fees when the debts was settled. One of the creditors contacted me stating that the debt was still owed even though this business was said to have handled the settlement of this debt. An explanation of how finances were distributed was given but,I feel I over paid and on top of that I still owe money on a debt I thought was settled.

Desired Settlement: Finish the job

Business Response: Thank you for conveying *** *****’s correspondence to National Debt Relief’s attention.  As a debt-relief provider, our mission is to help consumers navigate through rough financial waters.  Our clients rely on us during stressful times and, therefore, we give all of their matters the attention they deserve.  When we received notice of *** *****’s matter, we addressed it immediately.

*** ***** was a client of ours for approximately two years, enrolling in July 2013, until he recently decided to tender his cancellation.  Like all of our clients, he enrolled in our debt-resolution program to achieve debt freedom at the pace he could afford.  As with any service provider, we cannot give any guarantees but we do our very best.  We’re also a purely performance-based company, which means we don’t charge our clients any fees unless and until we obtain a settlement for them.  National Debt Relief is fully-compliant under the ******* ***** **********’s Telemarketing Sales Rule (“TSR”) which prohibits debt-settlement providers from collecting any fees prior to settling or otherwise resolving a consumer’s debt.  During the two years that *** ***** was our client, we successfully negotiated and settled five (5) of his debts through our program, thereby earning our fees for each respective settlement.  National Debt Relief will sometimes defer our collection of fees as a tactic which has proven to help our clients afford subsequent settlement opportunities sooner rather than later.  In the instance that *** ***** references in his correspondence, we delayed receiving our fee until a later time.  When *** ***** notified us of his decision to cancel from our program, though, we went ahead and collected the earned fees that we had previously deferred.  We did not collect the entire amount due, however, since *** ***** did not have adequate funds at the time.

Additionally, *** ***** stated in his complaint that he believed one of his accounts was already settled but that he was later informed by the creditor that he still had an outstanding balance.  A review of *** *****’s file confirmed that, at the time of his cancellation, he still owed one remaining payment to complete that settlement.  Unfortunately, *** ***** failed to make that last payment after he cancelled from our program and, therefore, now has a remaining balance.

Needless to say, National Debt Relief is disappointed to lose *** ***** as a client.  He was a good client of ours and it would have been great to help him achieve the financial goals he set forth almost two years ago.  In consideration of this, National Debt Relief would like to offer *** ***** a waiver of the remaining fees due (which are relatively small), as well as a partial fee-refund to enable him to make the final payment on his remaining account.  We sincerely hope that he will find this to be a satisfactory offer and, however he may decide, we wish him only the very best in his future endeavors.


**** *******
National Debt Relief

5/29/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Telemarketer hangs up when I ask to have my name removed from their call list. My number was fraudulently entered on a website, which later sold the number to various telemarketers. When I ask to have my number removed, the caller hangs up. But the unsolicited sales calls continue from various loan/debt consolidation companies.

Desired Settlement: I thought it was illegal to not remove a number when requested to do so. They appear to work around that technicality by quickly hanging up. PLEASE help me to have these calls stopped! Thank you.

Business Response: Thank you for bringing *** *****’s matter to National Debt Relief’s attention.  We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak.  Upon receiving notice of *** *****’s concerns, we immediately conducted a careful and comprehensive internal investigation. 

Our investigation of this matter involved searches of our telephone and e-mail records (incoming and outgoing), and examining our software database for *** *****’s name and possible variations of her name.  All of our inquiries yielded no results for any historical activity related to *** *****.  Indeed, *** *****’s name and contact information first came to our attention when we were notified of her complaint by the BBB.  Therefore, National Debt Relief has concluded that *** *****’s harassing phone calls were made by another company or person.  She explains in her correspondence that she was a victim of identity theft where her “number was fraudulently entered on a website, which later sold the number to various telemarketers.”  National Debt Relief does not purchase consumers’ contact information from any third parties.  Instead, we advertise our debt-relief services on the internet where consumers are invited to visit our website,, and request a “Free Debt Relief Quote”.  Once we receive the request, one of our certified debt specialists reaches out to the consumer to explain our services and answer any questions they may have.  Had *** *****’s contact information been submitted on our website we would have a record of it.  In this instance, however, we've found nothing at all. 

Over the years National Debt Relief has worked hard to become one of the leading debt relief providers in America.  Being a consumer-debt-focused service, our reputation depends on understanding consumers’ needs and expectations, which begins at the front door.  Therefore, we give every potential client the same level of care and courtesy that we give our existing clients.  Unfortunately, though, *** *****’s contact information was never submitted to National Debt Relief and so we did not have the opportunity to provide her with our services.  We wish her the very best of luck in the future and she has our assurance that we will honor her request and not contact her.


**** *******  ******** **** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

The telemarketer calls contacted my phone number (###-###-####), but did not ask for me by name. They always asked for "******." I have not been able to learn the last name, if any, these telemarketers have on their call list. No one named ****** has ever lived here.  Your response to my complaint indicates you searched your records for my name, not phone number. I would not expect a search of your data base to find my name or any variation thereof. I do hope you also searched concurrently for my phone number, as that appears to be the fraudulently provided information that has led to my current troubles.

You seem to be an ethical and conscientious enterprise and I appreciate your efforts to help me. However, is it possible to search your records by telephone number (not name)? The phone number, not my name, appears to be the source of the fraud. 

The problematic telemarketers did identify themselves as calling from National Debt Relief. They might be scammers who have no connection to your business and are using your good name to gain access to potential consumers. I would imagine this would be of great concern to your business.

For the sake of both the integrity of your business name and my peace of mind, would a data search by phone number reveal any information that might reveal from who/where these telemarketing calls originate? You could stop them from using your name and I would, hopefully, receive fewer calls. Win/win!

Thanking you in advance for your attention to this matter.





In order for the BBB to appropriately process your response, you MUST answer the question above.


** *****


Business Response: Dear *** *****,

Thank you for your reply.  Needless to say, National Debt Relief understands your frustrations and desire for peace of mind.  We apologize if we did not clearly communicate the full extent of our internal investigation.  When we performed our inquiry, we searched our database for all of your information, which the BBB had provided to us within the body of your initial correspondence.  Specifically, we performed individual searches of the following items: your name (** *****) with possible spelling variations, your phone number (***** ********), your address (**** * ******** ******* ** *****), and your e-mail address (**********************).  Also, though your correspondence indicated 4/**/2015 as the date of occurrence, we did not limit the timeframe of the search; meaning, we would have detected your information regardless of when it entered our system.  Unfortunately, it yielded no results.

You had also expressed your feeling that a deceitful party may have attempted to hijack National Debt Relief’s good name for their own benefit.  Given the thoroughness of our internal investigation and its “findings”, we share your suspicion.  National Debt Relief has worked tirelessly over the years to earn our reputation for integrity and dependability.  Unfortunately, it’s not uncommon for predatory entities to pose as well-known, reputable companies to attain short-term financial gains.  Indeed, we have formally notified the BBB of such activity in the past, as we have a reputation to preserve.  We, therefore, invite you to provide us with the phone numbers from which you were called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities.  Please also feel free to contact National Debt Relief directly – our contact information can be found on our website,

Yours Truly, 

**** ******* ******** **** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.

I will will forward the numbers from which I received telemarketing calls directly to National Debt Relief.


** *****


5/28/2015 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: Co. took $29.00 from refund that was not in their refund policy.

Desired Settlement: $29.00 refund back

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.


**** *******


5/14/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: We cancelled within 24 hours of signing up for this service due to misrepresentation and the sales rep being extremely pushy. He was very rude when cancelling this service. Someone from this company has continued to harass us by calling us everyday even though we have cancelled the service.

Desired Settlement: Stop calling and make sure everything is cancelled!

Business Response: Thank you for bringing *** ********’s concerns to National Debt Relief’s attention.  National Debt Relief is committed to providing prime quality service to every client who seeks our professional help with their consumer debts.  Upon receiving notice of *** ********’s concerns we performed a comprehensive inquiry into the matter.

*** ******** initially visited our website,, on April **, 2015.  She had submitted a request to be contacted about our services and after speaking with one of our certified debt specialists that same day, she elected to enroll as a client.  Unfortunately, the following day we received an e-mail from *** ******** stating that she no longer wishes to be part of our program and requested a cancellation of her file.  As part of our normal cancellation policy, upon receiving a client’s request, a quality-assurance team member will reach out to explain the cancellation process and to inquire about the reason for the cancellation in hopes of improving upon a company policy or process for the future.  When our team member spoke with *** ******** later that day, she explained to him why she had a change of heart.  Rather than simply documenting her explanation – as mandated by our standard protocol – the team member continued the conversation despite *** ********’s noticeable annoyance.  This decision by the team member was in clear violation of our company policy.  Understandably, *** ******** became irritated and repeated her request to cancel her file and to not call her again.  Once her cancellation was ultimately processed and her file closed, no further calls were made to *** ******** again.

We regret losing the opportunity to provide *** ******** with the quality of service that National Debt Relief is known for.  Given that our clients come to us for help and guidance during stressful financial times, all of our company policies are geared toward making their experiences with National Debt Relief simple and stress-free.  Unfortunately, in this instance a team member violated one of those policies and a client departed unsatisfied.  We've now addressed this issue with that team member in a clear and adequate manner.  As for *** ********, National Debt Relief would like to extend an apology for any inconvenience she may have experienced and we will surly continue to abide by her wish to not be contacted in the future.  We wish her the very best of luck in all of her endeavors.


**** ******* 
National Debt Relief

4/16/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: I joined this company and signed a contract agreeing to pay roughly 411 dollars a month for 3 years. I had roughly 23k in debt and was told I was an excellent candidate for the program. I was told on a recorded call that hundreds of thousands of people are currently enrolled, many with debt ranging over 100k. I was told that compared to others in the program I had a very low chance of being sued. This company also stated that if sued or legal action is taken, I would be defended (By them) at NO cost to me. I paid my 411 dollars per month on time consistently and without issue for nearly 2 years now. I received a settlement offer for two of my three accounts and National Debt relief took their large fees. Which is ok as I agreed to it. Low and behold in March 2015 I get Served by a Service company at my home stating that I am being sued by ******** for lack of payment & Communication etc. I call National Debt relief to inform them immediately that I am being sued. They say yes we will cover you but surprise! We need 200$ Extra in order for us to write up the necessary response to the courts in the 20 days you have to respond, so ******** does not win the case by default. Ok this was not mentioned in our recorded calls as I was told specifically I would be defended in this situation (Which I was told was unlikely) At no Cost to me as it is required in Minnesota to go thru an attorney when dealing with Debt relief anyway. So Being in a bind (Mind you I have one child that I am paying for multiple surgeries this month alone, plus my wife is pregnant with our second. I come up with the extra surprise 200 dollars for them to type up a response to the Courts on my behalf. I'll be honest I am not familiar with being sued/Court Cases/Or how to respond to a 6 page letter informing me that I was being sued. Fast forward to today. Now that I am being sued and paid them to submit a response, they finally communicate with ******** and reach a settlement. The settlement is for roughly 6750 on a 9900 dollar debt. Add in the fees and the 200 dollars I am barely coming out even. So I receive my final call today on the account I was being sued over. They say great news!!! We reached a settlement. for the above stated amount. to be paid over one calender year. With our fees included we need an EXTRA1100 Dollars the first month (On top of your monthly 411 which I thought would cover my debts if I paid that over 3 years) An extra 200 dollars the second month and extra 500 dollars the third month and so on for the whole year....Including another extra 1000 on the last month of the payment one year from today. I, being someone who reached out to this company for help supposed to come up with thousands of extra dollars over the next year!??! I called for help and we agreed that 411 per month would suffice as it was well over the "average" settled amount and should cover it. Now I am still paying a mortgage, thousands in surgeries for my son, plus the 411 a month, and my wife is expecting. Add that on top of this company asking for thousands more than our agreed amount over the next year. Where is this money to come from and how is this good news. Beware this company and they sugar coat their sales tactics and promise outcomes which they certainly cannot reach and you ( The struggling customer) is left to magically come up with extra money. Even though they calculated the original monthly payment to take most of all your "spending money" already. Be advised - Not as good as they make themselves sound.

Desired Settlement: I would like the outcome to be as advertised to me on our multiple phone calls. I am unable to come up with these magical thousands of dollars extra your company has sprung on me last minute. I find out today 4-8 that I need an extra 1k something dollars by april *****?!

Consumer Response: Better Business Bureau:I filed this complaint yesterday in error. As my file had been transferred to another company to assist me and I was not aware. This complaint is in error, incorrect and my fault as I was not patient to hear from the transfer company regarding my situation. Thank you
I have reviewed the response made by the business in reference to complaint ID ********

****** ***


3/30/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: Daily, harassing phone calls by these people, they use many different phone numbers even my area code with cell phone #. They call at least 12 times a day, most are hang ups & they call right back. Occasionally an Indian speaking women will say something but will hang up when I start questioning her, I immediately call # back & I get recording that the # not in service , or voicemail not set up.

Desired Settlement: STOP calling me, I have not asked for any information from this Company

Business Response: Thank you for bringing *** ********’s matter to National Debt Relief’s attention.  We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak.  Upon receiving notice of *** ********’s concerns, we immediately investigated the matter.

*** ******** visited our website, **************************, on January *, 2015 where she submitted a request to be contacted about our debt relief services.  One of our team members, ********, reached out to her shortly thereafter and on January **** ** ******** e-mailed to thank her for explaining our services and that she will gather some additional documents regarding her debts and e-mail them to ******** for her review.  Several weeks later, on January **, 2015, *** ******** e-mailed our office stating that she will not be needing our assistance after all.  That same day, her file was placed in “Not Interested” status, which means that our software database restricted her contact information from future calls.  Accordingly, none of our representatives contacted her again after that day.

After receiving notice of *** ********’s complaint from the BBB, we were able to confirm that she has not been called at all since January **, 2015.  During our investigation, it was noticed that *** ********’s complaint states she was called on March *, 2015, a Sunday.  This fact immediately stood out because National Debt Relief is closed and does not operate on Sundays.  Our hours of operation can also easily be found on our website, **************************/contactus.  Another notable point is that when ** ******** attempted to dial back the phone numbers from which she was called, she received recordings stating that the number is either “not in service” or has no voicemail set up.  National Debt Relief indeed owns numerous phone lines, each with its own unique caller ID.  However, all of our phone numbers are connected to our live call center.  Calls that are received outside times of operation are greeted with a “National Debt Relief” recording that allows the caller to leave a voice message. 

All of our findings described above have led National Debt Relief to conclude, unequivocally, that *** ********’s harassing phone calls were made by a rogue person or entity using National Debt Relief’s name without our knowledge or authority.  National Debt Relief’s reputation has been built on our success in helping consumers during times of hardship.  Thanks to our hard work, innovative strategies, and dedication to our clients’ needs, National Debt Relief has established a strong reputation for honesty and reliability across America.  Unfortunately, there have also been times in the past where deceitful parties have attempted to masquerade as “National Debt Relief” in an effort to hijack our good name for their own financial gain.  We’ve sent cease-and-desist letters to such entities (if they could be located) and we previously filed a formal notice to the Better Business Bureau to make sure they are aware of such activity.  What is more, because consumers commonly “window-shop” with multiple debt-relief providers before choosing the right one, their contact information can sometimes come into the wrong hands.

National Debt Relief takes all clients’ concerns very seriously but *** ********’s recent ordeal is especially troubling to us because she suffered frustration through someone’s abuse of our name and hard-earned reputation.  We, therefore, invite *** ******** to provide us with the phone numbers from which she was called so that we may have the opportunity to confront them directly or to report this matter to the appropriate authorities.  Should she elect to do so, she would play an essential role in deterring similar deceptions in the future.  We wish her the very best in her future endeavors and, needless to say, we will continue to honor her wishes and not contact her in the future.

Sincerely Yours, 

**** *******  ******** **** ******* ***

3/24/2015 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: This company started calling us Friday, March ***. They called THREE times in a 4 hour window. The first time they hung up when someone answered the phone. The next time the phone was answered they asked for me (Daniel) and was told I was NOT home. When they called a third time they were asked by my wife if they could leave a message. The woman who had called was VERY hesitant about this but my wife let her know that I am at work a LOT and it would be easier to leave a number so I could call back at my convenience. They called AGAIN on Saturday. My wife answered the phone AGAIN and let the woman know that they were told to STOP calling as I do spend a lot of time at work. The woman apologized and said she would make a note of it. They called again a little after 1PM when no one was home. I did also try to reach them but ended up leaving a message and letting them NO to stop calling! We did NOT hear from them on Sunday but they were the FIRST phone call we received today. My wife was NOT VERY nice to them as they have been asked to stop calling, that I would call when it works for me and I did and all I got was an answering service. They claim that I sent them an inquiry for help with debt relief of unsecured debt. I NEVER did such a thing and would just like for them to STOP calling! We know it is them calling as their number comes up as a Lacrosse WI number on the caller ID, even though it is a company based out of New York!?

Desired Settlement: We would just like for this company to STOP calling as we have asked THREE times to stop and that does NOT seem to be helping!!!!

Business Response: Thank you for bringing *** *****’s concerns to National Debt Relief’s attention.  National Debt Relief is committed to providing first-rate service to each and every consumer with whom we speak.  Upon receiving notice of *** *****’s complaint, we’ve performed a comprehensive review of the matter.

*** *****’s contact information initially came into our possession when he visited our website, **************************, on March *, 2015.  He had submitted a request to be contacted about our services and, in response to his inquiry, our team members reached out to him via telephone on the same day.  From our review of *** *****’s records, our representative made two call attempts on that day but only spoke with someone once, presumably with **** *****.  The notes in the record confirm *** *****’s statement that **** ***** asked our representative to leave a message and that *** ***** would return the call at his convenience due to his heavy work schedule.  The next day, Saturday, March ***, having not received a callback our representative decided to follow up on *** *****’s inquiry again.  **** ***** answered the phone and, as *** ***** described in his complaint, reiterated that *** ***** will return the call whenever he can.  In addition, this time she also requested for our representative to not call back again.  National Debt Relief has a very clear company policy that if a consumer requests to not be called again, such request must be complied with immediately – no exceptions.  In direct violation of this policy, however, this team member made yet another call to *** *****’s home on Monday, March ***.  Understandably annoyed, **** ***** stated a second time to “stop calling” and that *** ***** will call whenever works best for him.  *** *****’s record was then placed in “Do Not Call” status and our review of this matter confirms that no more calls have been made since then.  

We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients or potential clients.  Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship.  Part of our success is unquestionably attributed to the policies we’ve implemented and our comprehensive employee training programs.  Because consumers expect the best quality customer service from us, we demand the highest standards of professionalism from our employees.  Once our investigation of *** *****’s matter discovered the violation of our company’s policy we immediately took action to reprimand the team member accordingly.  We also scheduled refresher-training sessions specifically on the topics of follow-up protocols and our “do not call” rule.  As stated above, *** & **** ***** are currently on our “Do Not Call” list and their contact information is restricted in our database.  National Debt Relief extends an apology for any inconvenience this matter may have caused the Smalls and, needless to say, regrets losing the opportunity to provide them with the same high-quality service that we deliver to consumers across America.  We wish *** & **** *****s the very best of luck in the future.

**** *******
National Debt Relief, LLC

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.


****** *****


1/13/2015 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: Pushy Sales guy pressed me to commit to large $399.00 monthly payment for help with debts program; kept insisting; "We may not get your program approved IF YOU DON'T..." Give me at least TWO contact numbers which I told him explicitly I DIDN'T want to do. Arrange to pay $399.00 per month for 36 months. Give me your current bank checking number AND routing number. Give me your full social security number over the phone. Sign digital contract agreement as soon as possible and return to us. He finally agreed to arrange lower $299.00 payment for 33 months since I said I couldn't do the $399.00 Then he said "no problem if you cancel program early", however, contract says; ALL fees still due. I was afraid of NOT getting help from them and consented to give him ALL my personal info; later I felt "violated" having caved-in to high pressure from this guy. After looking over the multi-page confusing documents, seeing I would still owe 15% of $16,000 (times 2+ years; 15% for each year of original agreement program, over $5,000) I wrote back saying I'm holding off on contract, WILL LET YOU KNOW IF I WANT TO CONTINUE WITH CONTRACT. Well, he wrote back; "May I ask WHY you won't continue with us?" AGAIN told him need time to explore other options. Shortly after this I get another email, this time in bold print: "*******, PLEASE SIGN AND RETURN DIGITAL CONTRACT AGREEMENT" you will be receiving this reminder DAILY until you return to us signed agreement.

Desired Settlement: Get pushy company to stop contacting me...PLEASE!!

Business Response: Thank you for bringing *** ******’s concerns to National Debt Relief’s attention. National Debt Relief is committed to providing first-rate service to each and every client and potential client.  Upon receiving notice of *** ******’s concerns we performed a comprehensive inquiry into the matter, which included the review of a recorded telephone conversation and e-mail correspondence.

*** ****** initially visited our website, *************************** on December **, 2014.  He had submitted a request to be contacted about our services and, in response to his request, one of our team members reached out to him via telephone.  As standard protocol, a certified debt specialist will explain our services in detail, answer any questions, and also analyze the consumer’s eligibility for one of our debt relief programs.  As part of that analysis, we review the consumer’s current debt, which necessitates a credit check – that is, a “soft pull” which does not impact their credit score.  Naturally, we ask the client for their Social Security Number (“SSN”) so that we can obtain and review their credit
report.  When our team member asked for his SSN, *** ****** initially stated that he doesn’t like to give his SSN over the phone but when our rep explained the reason for asking, he freely gave it without expressing any further concerns.  It’s also important to note that our fee rate is substantially lower than what *** ****** set out in his complaint.  Perhaps *** ****** simply did not understand our fee structure in the manner that it was explained to him but he overstates the rate by almost triple what we actually charge for our services.

After speaking with our representative, *** ****** stated that he needed some ***e to consider his debt relief options and that he would inform us of his decision once he made it.  In the mean***e, we e-mailed him a copy of our client agreement to review and electronically sign should he choose to enroll.  When our software generates an electronic agreement, the document conspicuously provides one button to “e-sign” the agreement and another one right next to it entitled: “I do not want to sign this document”.  When our agreement is out for a client’s signature our system software will automatically send them a daily reminder until they sign it, decline to sign it, or notify us to remove it. Unfortunately, since *** ****** did not click the “I do not want to sign this document” button our software sent him a reminder e-mail on three (3) separate days: December ***** ****, and ****.  The **** was also the day that we were notified of *** ******’s complaint.  As soon as we were notified, we immediately turned off the automatic reminders and *** ****** has not received any more e-mails from us since.

National Debt Relief strives to offer the highest quality of service to our clients, as well as to potential clients.  Therefore, we provide intensive
training for our staff as a means to that end.  We also have comprehensive quality control procedures in place to ensure that all of our team members, including our certified debt specialists, maintain the level of service that National Debt Relief is recognized for.  As a matter of policy we not only discourage, but absolutely prohibit, any form of “pushy sales.”  Should any employee violate this policy we would not hesitate to take the appropriate action to correct such conduct.  However, after reviewing the recorded telephone conversations and e-mail correspondences we’ve made the determination that our team member did not violate our policy against high-pressure sales.  We do not question *** ******’s honesty about his feelings but the recordings reflect a respectful conversation and in the very last e-mail sent by *** ****** prior to his BBB complaint submission he stated, “Hey, thanks for the kind reply sir,” and concluded with, “Have a happy holiday season! *** in WA.”  Though it’s disappointing to have missed the opportunity to provide exemplary service to *** ******, we wish him the very best of luck in the future. 


**** *******  ******** **** ******

10/21/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: The ******* ********* ******* made an agreement with me that I would pay $1,460 on a certain date and that will complete my settlement with select creditor and graduate me from the program. I reconfirmed this is the amount and agreed Funds were deducted from my account on 8/** as arranged. I fulfilled my end of the agreement. A week after the arrangement a customer service agent contacted me and I called back and they again confirmed all is in place and confirmed this will graduate me from the program. Just this morning I receive a message to contact them. I contact as requested, then get transferred to the Division and person that made the original arrangement with me. The representative then tells me that he made a mistake and I owe them $800+ in fees. I reconfirmed several times before that this will graduate me from the program. I would've never arranged the deposit if this was the case. An arrangement is an arrangement. They should not be able to promise something and then basically cancel what they promised. I fulfilled my end of the arrangement and so should they. This is very frustrating and I'm not happy with their services and will not be recommending them to anyone.

Desired Settlement: Desired Settlement: To honor their end of the arrangement. I fulfilled my end and they should do so on their end as agreed in August. I want to be graduated from the program without any additional fees due to National Debt Relief

Business Response: To Whom It May Concern, 

Thank you for bringing *** ********’s matter to our attention.  National Debt Relief is dedicated to providing an unparalleled quality of service to consumers across the country who have unfortunately become overwhelmed with debt.  We at National Debt Relief value the commitments we make to consumers.  We have, therefore, conducted a thorough review of *** ********’s concerns.

*** ******** enrolled as a client with us on March **, 2013.  Since then, we’ve been successful in settling her unsecured debts and saving her money on her creditor balances.  In March of this year, we obtained a settlement on the last account enrolled in her program.  Several months later, early August 2014, *** ******** had called our office to obtain some information regarding her program and had given National Debt Relief approval to debit $1,460 from her bank account.  During that conversation, our representative informed her that after this $1,460 deposit she would be ready to graduate from her program.  Meaning that this amount was sufficient to complete the remaining payments to her creditors and also that she will not have any balance owed to National Debt Relief for our service fees.  As she stated in her complaint, *** ******** later received a call from that same representative.  He had called to apologize for any inconvenience and to explain that he had made a calculation error when he spoke to her previously and that she actually has a balance of $820.89 in fees for our services.  Understandably, she became disappointed and upset. 

The matter was escalated to the management level for review.  After looking into the matter deeper, we’ve been able to confirm that our representative did in fact make a simple mathematical error when calculating her outstanding balance for our fees.  However, *** ******** has been a loyal client of ours for over a year and a half and we appreciate that.  Therefore, National Debt Relief is pleased to waive any remaining fees owed by *** ********.

National Debt Relief takes enormous pride in the commitments that we make to our clients.  It is also with great humility that we honor those commitments.  In addition to the fee waiver, we also offer to *** ******** an apology for any inconvenience or disappointment that our error may have caused.  We wish her the very best of luck in the future!

Yours Truly, 

**** *******
National Debt Relief, LLC

9/18/2014 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: I saved $1950.00 to go towards my settlement agreement with one out of four of my credit card debtors. This company settled for 35% of my debt promising to pay them 164.90 for 10 months come to find out the company pocketed $1039.00 before paying the creditor. I questioned this and got many different stories 2 employees told me that this doesnt normally happen and they have no idea why the company collected there money before the debt was paid, but he would notate the account and make she it doesnt happen again, but I cannot get my money back. Another lady told me that they have a lot of new people and that it sounds like they need more training because the creditor is always paid first and then national debt relief collect their fees. Another man told me that $1039.00 was taken for attorney fees in case someone tried to sue me. I got a lot of differnet stories and hung up on alot. I wanted a copy of my settlement agreement, and they told me I would receive a letter in the mail. I never received anything so i called and they told me there wasnt anything that they could provide, on paper but they have a audio recording in my file. I cancelled this program but I am out $1039.00. I saved from Jan. 2014-May 2014 $1950.00 and once they came up with a settlement it left me with $0.00 having to start over saving again. This is a rackeet and a scam. They told me they were for the people, but they are not if they were for the people that creditor would've got paid first and not them. I asked for at least half of a refund back, but you declined. I have chalked it up as a lessoned learned and hope whoever has my money spent it wisely. I am aware of the fee based off of my total debt, but i had 4 creditors to settle with i feel like the fees should have been divided upon the stay of the program 28 months or less. Very dissatisfied.

Desired Settlement: I would like all of my money back that was saved $1950.00, because I didnt get anything out of this program and it didnt cost the company or me anything to sign up. I still have the debt and got lied to alot. Employees told me that they shouldnt have collected that amount of fees at once that goes to show you that this company was wrong. The company has $1039.00 for doing nothing!! I would like my money back!

Business Response: Thank you very much for bringing *** *****’s matter to our attention. National Debt Relief is in the business of assisting consumers who find themselves in stressful circumstances relating to their finances.  We at National Debt Relief understand all too well how financial difficulty can impact peoples’ lives and our mission is to make those times a little easier. Indeed, our slogan is “Get Your Life Back.”  So because clients depend on us during such sensitive times, we take their concerns and complaints very seriously.
*** ***** was a client of ours until recently, initially enrolling on January *, 2014 and then cancelling her service at the end of July.  Like all of our clients, she enrolled in our debt resolution program to help her pay off her outstanding unsecured debts for less than the full balances.  In essence, to achieve debt freedom while saving as much money as possible along the way.  Of course we don’t earn a single dime unless and until we obtain a settlement for our clients. It may be no surprise that negotiating and obtaining a settlement with a creditor often takes some time and we explain this reality to our clients at the outset of their program.  On average, a client’s first settlement is reached 3 – 6 months after enrolling in National Debt Relief’s program.  For *** *****, we obtained her first settlement in less than 5 months.  Moreover, the settlement was for 35% of her full balance, meaning her creditor accepted 35% of the full balance in full satisfaction of the debt.  35% is a great settlement by any standards. It is below the average estimate of 50% that was disclosed to *** *****.  Furthermore, we were able to work out a settlement that did not require a kump sum but smaller payment over a number of months. ** ***** approved such terms.
National Debt Relief is fully-compliant under the Federal Trade Commission’s Telemarketing Sales Rule (“TSR”), which prohibits debt-settlement providers from collecting any fees from a debt relief customer before settling or otherwise resolving the consumer’s debt.  Therefore, once *** ***** approved the terms of this settlement and made her first payment to the creditor, we formally earned our fee for that settlement.  We collected our fee at that time in accordance with the TSR, as well as National
Debt Relief’s client agreement which *** ***** had previously reviewed,discussed, and signed.  It should be noted that *** *****’s complaint does not take issue with the amount of our fee but merely the timing of its collection.  Specifically, she stated that she was told by one of our representatives that a “creditor is always paid first and then National Debt Relief collect[s] their fees.”  After receiving *** *****’s complaint, we conducted a thorough investigation which included listening to recorded calls.  *** ***** was certainly told that we may collect our fee in full after paying a creditor, but not that this was “always” the case.  Indeed, there are instances where we do not collect our fee in full upon earning it; i.e., we collect it in increments over time instead.  However, this typically occurs only where we cannot collect our entire fee without placing the client’s other settlements at risk.  On the other hand, if we are able to collect our entire fee without jeopardizing a client’s program in any way, we will do so once the fee is earned. *** ***** was specifically informed that neither her first settlement nor her future settlements were at risk by collecting our entire fee.
*** ***** also states that National Debt Relief collected our fee “before paying the creditor.”  She further stated that two employees told her that “this doesn’t normally happen and they have no idea why the company collected [their] money before the debt was paid.”  This was actually correct information that was given to her.  Not only does this not “normally” happen, but National Debt Relief has safeguards in our company software to ensure that this never happens. A simple review of *** *****’s account transaction record clearly shows that the creditor payment was made on 5/**/2014 and that we received our fee on 5/**/2014, after the creditor payment. 
In conclusion, it is unfortunate that *** ***** experienced frustration with our program, especially after receiving an exceptional settlement on her very first account.  Needless to say, the disappointment here is mutual because we would have loved to have continued on the same path and obtain more great settlements for her.  We wish *** ***** the very best and we’ll be here if she should ever have a change of heart.

9/17/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I contacted this company for information on possibly settling my debt. I decided this is not the route I wanted to go. Ever since that conversation, I have been contacted by several different represenatives. I continue to tell each represenative to please remove my name and number from their list and to stop contacting me. They have yet to do so. Some say yes they will do it and hang up on me. Others just hang up the phone while I'm speaking. THey are calling all hours of the day and evening. It is quite fustrating that they haven't heard to my request. Not only are they calling constantly throughout the day, its within the same hour.

Desired Settlement: Please remove my number and information from your data base and DO NOT CONTACT ME anymore. I do not want to be contacted by this company for any reason.

Business Response: Thank you for bringing **** *********’s concerns to National Debt Relief’s attention.  We at National Debt Relief consistently strive to offer and provide quality service to each and every consumer with whom we speak.  Upon receiving notice of **** *********’s concerns, we’ve taken the time to review the matter.
     **** *********’s contact information initially came into our possession when she visited our website, **************************, and submitted a request to be contacted about our debt relief services.  One of our team members first reached out to her on September *, 2014.  After our representative described our services to **** ********* and answered some questions about our debt resolution program, **** ********* stated that she needed to speak with her husband before making any final decisions.  The next day ************* and her husband, *** *********, both called in separately with some follow-up questions.  They both spoke with the same representative with whom **** ********* spoke the day before.  The first conversation lasted approximately fifteen (15) minutes and the second conversation lasted roughly eight (8) minutes.  At the end of the second conversation, *** ********* informed our representative that he would like to do some additional research and that he would get back to us in a day or two.  Our team member called **** ********* two days later, September *, 2014, in an effort to follow up on their previous conversations but was unable to reach her after making a few call attempts.  Later that same morning, at approximately 11:46AM, **** ********* called in to National Debt Relief and requested to be taken off of our call list.  She was placed on a do not call list immediately.
After we received the BBB’s notice of **** *********’s complaint, we performed a detailed search of our call records for all calls (incoming and outgoing) for the only phone number we have on file for *** *********: ###-###-####.  Our records show that there haven’t been any calls made to *** ********* since her request to be removed from our database.
National Debt Relief is proud of our customer service and marketing practices.  Being a leading debt relief company, we know what a nuisance unwanted phone calls can be to the average consumer.  Many of our clients often seek our advice when they’re being bombarded with collection and solicitation calls.  Therefore, our standard practice in acquiring new clients is to only respond to requests for information submitted on our website.  We are disappointed that *** and **** ********* declined to retain our services but we wish them the best of luck.  As they have requested to be removed from our database and no more attempts have been made since September *, 2014, National Debt Relief considers this matter closed.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.


**** *********

Please do not make this public as the response from the company shows my phone number and I do not want that to be public.

thank you

9/2/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I was called well over 20 times in under a half hour by one of the agents at the company - I understand their phone system was not functioning properly at the time, but I was called back multiple times, told not to hang up while they attempted to transfer my call, and then the call would drop; I stated I was not interested in their service as they called way too many times, and they continued to call. This is a highly inappropriate behavior, and should be noted on their record

Desired Settlement: I want all my information removed from their system, and for them to cease contacting me as requested multiple times now...

Business Response: Thank you for bringing *** *** ******’s concerns to National Debt Relief’s attention.  National Debt Relief is committed to providing first-rate service to each and every consumer, and potential consumer, with whom we speak. Upon receiving notice of *** *** ******’s concerns, we've performed a comprehensive review of the matter.

*** *** ******’s contact information initially came into our possession when he visited our website, **************************, on August **, 2014.  He had submitted a request to be contacted about our services and, in response to his inquiry, one of our team members dialed him via our telephone software.  Part of our company’s growth and success over the years is attributed to utilizing sophisticated technology in servicing our clients’ needs.  Of course technology, and especially high technology, can afford businesses enormous advantages by enhancing efficiency, organization, and quality.  Yet technology also comes with its occasional hiccups and glitches.  Unfortunately, *** *** ******’s frustrations were caused by one of those technological hiccups.

As stated above, our team member initially attempted to reach *** *** ****** on August **, 2014 at 3:53PM (EST).  That phone call lasted only fifty-one (51) seconds because the call was inadvertently dropped by our phone system.  When we called *** *** ****** back, we informed him that he’ll be placed on hold for a minute or two to be transferred to one of our certified financial counselors but the call was dropped again.  This same pattern –
 .e., the call being dropped after placing *** *** ****** on hold – occurred three (3) more times over the next thirty (30) minutes.  The same temporary glitch also caused our phone system to automatically and sporadically dial *** *** ****** multiple times within the same period.  Shortly thereafter, our team member reached out again and to “apologize for the inconvenience” by which time *** *** ****** was understandably frustrated, stating that he was no longer interested in our services and requested to “be taken off the list.”  Our representative promptly complied with his request, but the temporary malfunction stubbornly dialed him yet another time.  *** *** ****** then decided to call into our office himself stating, “Your phone system seems to be glitching out and I wanted to be taken off the list.”  The problem was resolved within minutes thereafter and no more calls to *** *** ****** were made again.

We at National Debt Relief are always committed to addressing consumers’ needs and frustrations, whether they are clients, potential clients, or otherwise.  Indeed, our entire company has been built on our desire and ability to help consumers in times of hardship.  To learn that we may have lost a potential client due to a technological hiccup is not only disappointing to us, it is devastating.  There’s no question that *** *** ****** was justifiably irritated and we’re sorry for having missed the opportunity to provide him with the high-quality service that we deliver to thousands of consumers across the country.  As always, National Debt Relief has learned from this experience and will continue our tradition of offering the very best service available to consumers nationwide.


**** ******* ******** **** ******

8/26/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: On 7/**/2014 I sent an email to National Debt Relief (NDR) stating "I have decided to not use *** (Global Client Solutions) to hold my money while you work with my creditors. I will be creating a savings account at my PNC Bank. I will update you via email as deposits are made which should be every 2 weeks.". This is allowed per the contract I e-signed. I began receiving calls from someone in the quality assurance dept. stating if I had any questions to call them back. As I had no questions I did not call back. I finally decided to answer one of these calls and he was asking why I wanted to cancel my contract with NDR. I stated I did not want to cancel my contract and that I was just informing them I would not be using *** as the fees to use them were ridiculous. Both the guy I spoke with and his ******* stated that I am required to use *** to keep my contract with NDR. I consider this a breach of contract as the contract states I have the option to use ***.

Desired Settlement: I expect NDR to allow me to save the funds for their program in an FDIC bank account as per the e-signed contract.

Business Response: Thank you for bringing *** *******’s concerns to National Debt Relief’s attention.  National Debt Relief is committed to providing a world-class experience to each and every client whom we assist in becoming debt-free.

Upon receiving notice of *** *******’s concerns, we promptly reached out to him in order to evaluate the confusion around his perceived desire to cancel his Global Client Solutions account.  We encourage our clients to use Global Client Solutions for the same reason we make every decision in our business: it is in the client’s best interest!

When we spoke with *** *******, we reviewed the important benefits of using Global Client Solutions for his savings account in lieu of his own personal savings account.  For instance, our internal systems are tightly integrated with those of Global Client Solutions.  This synergy allows us to have accurate information on how much a client has saved towards their program in real time.  By having this data at our fingertips at any given moment, our ************ *********** are able to maximize their efficiency – and effectiveness – in working towards helping clients resolve their debts.

After explaining the benefits of both, remaining in our program and using Global Client Solutions, we are happy to report that *** ******* has elected to do both.  We will continue to do our very best and provide him with first-rate service.  As such, we
consider this matter to have been resolved for all parties.

Thank you for taking the time to review our response!

**** *******

8/25/2014 Problems with Product/Service | Complaint Details Unavailable
7/10/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I initiated help from National Debt Relief to ease my debt issues in mid March 2014. Approximately 4/**/14 I contacted National Debt Relief and told them that I wanted to cancel their program and not go through with their program. National debt relief attempted to conserve my business with a series of phone call and I talked with my representative on 4/**/14 and he said he would cancel the program and I said I would consider starting again after giving it a few days of thought. On 4/**/14, National Debt Relief drafted my account against my wishes for the amount of $313.15, the amount that I asked in the beginning of March to cancel, the amount my representative said he would cancel on 04/**/14. I talked with my representative the same day the draft was done on 4/**/14 and he said it was his mistake and he would insure me a refund the next day , 4/**/14 if I emailed him my request; which I did immediately. As of 4/**/14 the refund has not been completed by National Debt Relief, and I have been charged by my financial institution late fees because of the money that have taken after my initial request and subsequent requests that were timely, in order, and proper have been ignored. I have yet to hear back from my representative or been able to reach anyone from National Debt Relief about my request for a refund and the bank fees keep adding with each subsequent withdrawal after this.

Desired Settlement: I would like a full refund (313.15) electronically back into my account and no fees imposed because of their mistakes and lack of attention. I am being imposed a fee from them and fees fro my financial institution because of their actions.

Business Response: Thank you for bring *** *******'s complaint to National Debt Relief's (NDR) attention. Being committed to providing consumers with exemplary service National Debt Relief appreciates the opportunity to respond to, and most importantly resolve *** *******'s complaint.

*** ******* asked National Debt Relief to negotiate settlements with his unsecured creditors when signing an agreement on March **, 2014.

On April **, 2014 *** ******* called into NDR's customer service department and asked that his file be closed. At which time the status of his file was changed to ensure no future deposits would be processed and his file would be closed with our office.

The next interactions between our office and *** ******* occurred on April **, 2014 then again on April **, 2014 when *** ******* called into our office. *** ******* was transferred to NDR’s Quality Assurance Team when he called. During the transfers *** ******* disconnected the calls at which time our agent called him back unsuccessfully, therefore, having to leave messages asking for a return call. Finally on April **, 2014 a Quality Assurance Team Member of NDR was able to speak with *** ******* at about 3:00PM EST.

The result of this call was *** ******* wanting his file to be reinstated and for NDR to continue the process of negotiating with his unsecured creditors. At this time his file was placed in to a Pending Reinstatement status. The following day after an internal review, his file was upgraded to an Active status with his first deposit scheduled for the following day since it had originally been scheduled for April **, 2014 according to the agreement he signed. This deposit was confirmed during the April **, 2014 phone call.

*** ******* next called our office on April **, 2014 upset and wishing to close his file again because he “didn’t expect his deposit for April to happen and thought it was on a different day”. The status of his file was again changed to ensure he would not be drafted again and closed. Since a deposit had now occurred, the process for closing his file included closing his Global Client Solutions account and ensuring he received a refund the balance.

Refunds can only be processed by Global Client Solutions once deposits clear. Deposits clear at 3PM on the third business day after the deposit date. *** *******’s deposit cleared on at 3PM on April **, 2014. The following day on April **, 2014 the available balance in *** *******’s Global Client Solutions account was wired into his checking account. NDR paid the wire fee accessed by Global Client Solutions and issued a physical check to *** ******* for the fees Global Client Solutions charged him. The check was sent to his home address via Fed Ex.

*** *******’s complaint was filed on April **, 2014 before a refund could be issued since the funds had yet to clear. I believe National Debt Relief upheld the standards we hold ourselves to by resolving *** *******’s complaint as quickly as possible and by going the extra mile in issuing him refund of the fees charged to him by Global Client Solutions. I personally unsuccessfully attempted to reach out to *** ******* on multiple occasions to ensure he is satisfied with the results.

Thank you again for taking the time to review National Debt Relief’s response and assisting in reaching a successful resolution for *** *******

7/4/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I attempted to ask the company, National Debt Relief, based in New York to cease calling me 3 weeks ago. The calls have still been consistently coming in. I am not, have never been, and never will be interested in their "product". How they obtained my number is a mystery to me.

Desired Settlement: For this company to cease contacting me.

Business Response: Thank you bring *** ******** complaint to National Debt Relief's attention. Being committed to providing consumers with exemplary service National Debt Relief appreciates the opportunity to respond to and most importantly resolve *** ******** complaint.

Looking in to *** ******** complaint I found the following relevant information.

On 11/*/2013 National Debt Relief received contact information for ****** ******** from IP Address ************. A Google search was performed from this IP address for 'debt relief'. The searcher clicked on a sponsored link for National Debt Relief. This link took the searcher to a National Debt Relief's web where the following information was entered as means of requesting information about National Debt Relief’s services at 7:31 PM EST.

Name - ****** ********
Total Debt Amount - $5,000-$7,499
Phone Number - ###-###-####
Email Address - ******************

The location information below was captured by our system based on the IP address

City - Columbus
State - Ohio

During my review I found the IP address and phone number to both be from Columbus, Ohio. A online search of the phone number entered shows it to be registered to a ****** ******** through New Cingular Wireless in the Columbus, Ohio area.

National Debt Relief called ###-###-#### eight times between 11/*/2013 and 5/*/2014 on the following dates and times;

Each of these calls resulted in a voice mail being left for for ****** ******** as requested when he submitted his online request. National Debt Relief provides all consumers visiting our website with a Privacy Policy outlining the terms and conditions of submitting an online request for additional information about our services. The Privacy Policy can be viewed by visiting *************************************************

The first communication National Debt Relief received from *** ******** after the initial online request for additional information was the Complaint received by the BBB. Immediately upon reading the Complaint I placed *** ******** on National Debt Relief's internal Do Not Call List to ensure no further calls were made to his phone number.

The facts revealed during my thorough review of *** ******** complaint lead me to request the BBB determine this complaint ‘not valid’ and remove it from National Debt Relief's record. Thank you again for your time and assistance in this matter. Do not hesitate to ask for additional information or supporting documentation if needed. 

7/2/2014 Billing/Collection Issues
4/14/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: This company told me they would take care of my credit card debt, i was set up to make a deposit of 253 monthly, for a couple of months I could not pay this amt due to being short on money, thats why I called them in the first place and they weren't saving me much either. They never told me I couldn't do this, they closed my acct and never told me and my credit cards were never paid a penny by them. Now I am stuck with higher balances since I was told not to pay my creditors anyting. this started in November I am in a mess.

Desired Settlement: Also they can pay the interest that has accured on my cards since November 2013. They never told me i would be kicked off program if I didn't pay the set amount, Crooks

Business Response:

Dear *** *******,

Thank you for bringing the above mentioned complaint to National Debt Relief’s attention. National Debt Relief is committed to providing each and every consumer we come in contact with exemplary service that holds true to our goal of “doing what is best for the Client”

This complaint is quite a surprise. *** ******* originally signed an agreement with National Debt Relief on November *, 2013 that required her to deposit $251.37 monthly beginning on November **, 2013. Between November 2013 and February **, 2014, the day National Debt Relief terminated *** ******* agreement, she made deposits totaling $300.37 instead of the contractually agreed amount of $1005.48. It was on this same day *** ******* called in to again reduce her next scheduled deposit to $20 instead of the regularly scheduled $251.37. It was at this time *** ******* was informed her file would be closed with our office in accordance to Section 13 of the agreement she signed. When the Customer Service representative attempted to explain the reason her file was being closed *** ******* disconnected the phone call. The Customer Service Representative escalated the matter to the point I personally emailed and called *** ******* who again chose to hang up on me after saying. &ld quo;I get it, It is my entire fault”.

* ******* ** ** ********** *** ****** ** ********* ******** **** ****** ******** *** ***** ** *********** ******** *** ****** ** *** ***** **** **** ******** ** ******** ** *** ******* ********* *** *** ******* ** *** ****** ******* ** ******* *** ****** **** ******* ******* ******* ****** **** **** ******* ********** ******* ******** ****** ******* ** ******* ******** **** ****** **** *** ******** **** *** ******** *** ****** *** ** ***** ***** ******** *** ****** **** **** ** ******** **** ****** **** ** *** ** **** ** *** **** ** *** ****** *** ********** ************** ** *** ********* ******** **** ****** **** ******* ** *** ****** ******** ** ********* *** ******* ** ******* ** * ****** *******

• Email Sent to *** *******;

Good Morning ******,

Your file was brought to my attention this morning by ***** ***** the ******** ******* ******* here at National Debt Relief a few moments ago. He tells me you are frustrated with the services you have received from our office. As the ********** ******* this concerns me greatly. National Debt Relief prides itself on providing each and every client with outstanding service. When we fall short of this mark we will do everything within our power to “make it right”.

I invite you to contact me directly by calling ###-###-#### so that I may better understand your frustration and “make it right” for you. If I do not answer my phone when you call in please leave a message with the best time to return your call. When we talk I will have two simple goals. This first is to understand your frustrations and the second is to make you happy. I know if given the opportunity I will accomplish both goals in a very short time.

I look forward to speaking with you,

***** ****
**** ********** **********
National Debt Relief
** ******** **** **** *** ***** ** ***** ************ **** **** ************ ****** ******************************

National Debt Relief holds itself to the highest standards in the industry and must make the difficult decision to terminate a Client’s file when we no longer believe our services are in their best interest. This determination was made in *** ******* case because our ability to negotiate settlements on her behalf is only possible if she makes the deposits outlined and required of her under the agreement.
I would like to take a moment and address each of the complaints raised by *** *******
• “They never told me I couldn’t do this”.
o The agreement clearly outlines *** ******* required monthly deposit
o The agreement clearly states it may be terminated by National Debt Relief for Breach of Contract on *** ******* part. One of the definitions of Breach of contract is failing to make the agreed upon deposits.
o When *** ******* was told reducing her February deposit would result in the
o termination of her agreement she hung up on not one, but, two different representatives of National Debt Relief.

• “Now I am stuck with higher balances……”
o At the time of *** ******* enrollment with National Debt Relief she was already 60 days late on at least one of the debts she enrolled with National Debt Relief.
o *** ******* monthly minimum payment prior to enrolling with National Debt Relief was approximately $400. Since she could not make a $253 monthly deposit into her savings account with National Debt Relief, it is logical to assume she would not have been able to make her monthly minimums and therefore would have fallen behind on her own.

• “They never told me I would be kicked off the program if I didn’t pay the set amount, Crooks”
o National Debt Relief did not charge or receive a single dollar in fees from *** *******. Once her agreement was terminated due to her “Breach of Contract” the deposits she had made were returned to her less bank fees charged by Global Client Solutions.

National Debt Relief is committed to doing what is in our client’s best interest even when they may not agree. Debt Settlement is not the best course of action for *** ******* to alleviate her over burdensome debt load. Her inability to make the required monthly deposits led us to this conclusion. I understand *** ******* frustration from being overwhelmed by debt. I also understand her lashing out against National Debt Relief, as miss placed as it may be.

Thank you for the time spent in resolving this matter. Feel free to contact me with any follow up questions you may have regarding *** ******* complaint.

***** ****
**** ********** **********
National Debt Relief

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# *******, and have determined that my complaint has NOT been resolved because:






In order for the BBB to appropriately process your response, you MUST answer the question above.


****** *******


Business Response: Thank you for giving National Debt Relief an opportunity to respond to *** *******' most recent comments.

National Debt Relief stands behind our initial response to *** *******' complaint as accurate and factual.

In *** *******' most resent comments she again asserts National Debt Relief failed to inform her the repercussions of failing to make timely deposits according to the agreement could result in her file being closed by our office for Breach of Contract. She makes this claim in the face of overwhelming evidence to the contrary. Including but not limited to, the Breach of Contract clause in the agreement she signed, the disclaimer she was read each time she altered her deposit, the information contained in the Welcome Package she received electronically and physically by mail.

In her most recent comments she insinuates National Debt Relief stole money from her by not giving her a complete and full refund. At no time did National Debt Relief receive or refund any monies to *** *******. At the onset of the relationship established by the agreement she signed with our office *** ******* opened a Dedicated Account with Global Client Solutions to be used to fund settlements and fees for National Debt Relief. Global Client Solutions is a third party entity responsible for drafting, housing clients funds in an FDIC insured bank account and the disbursement of those funds. *** ******* received monthly statements for the account as well as having online access to view her account activity at any time she would like. Global Client Solutions drafted funds from *** ******* and processed her refund when her account was closed. National Debt Relief made no settlements for *** *******, therefor did not earn or receive a fee. Her vague insinuation is consistent w ith the lack of validity of her entire complaint.

I cannot speak to the "Debt Relief Program" she has sent entered, but, in her most recent comments she stated "instead of waiting while my two cards go into collections..." National Debt Relief clearly states in its agreement and all supporting documentation and communications including, but not limited to; Recorded Welcome Call, Welcome Package, emails and telephone conversations clearly state all debts enrolled with National Debt Relief will become delinquent or further delinquent before a settlement is reached.

You have asked National Debt Relief what actions our office can take to resolve this complaint. I am not certain how to answer this question since *** ******* has not asked for anything as a way to resolve her complaint. She simply seems to be lashing out and complaining in the face of overwhelming evidence to the contrary.

National Debt Relief sets client's expectations properly at the outset of the relationship at all times. I understand *** ******* is frustrated and simply wants to complain and can appreciate her frustration. National Debt Relief is committed to providing an unparalleled service to each and every client. Even when executing on that commitment not the popular choice. National Debt Relief cannot in good conscience continue to represent a client when we believe our representation is not in the client's best interest and/or will serve no benefit to the client.

*** ******* file was closed because of this commitment and only after a number of representatives, including myself, attempted to discuss the situation with her to no avail. Before my conversation with her she spoke to a Customer Service Representative, a Supervisor, a Manager and a Department Head. *** ******* hung up on me as well as many others and did not allow any of us to assist her. The call I personally had with her went much like the recorded calls I listened to when researching her complaint. During these calls *** ******* stated what she wanted and why she wanted it. When a National Debt Relief representative would attempt to explain the ramifications she would simply say something to the like of "I am the client do what I am asking" and would hang up. When speaking to me she said "I get it, it is my entire fault." and hung up. When I attempted to call her back she did not answer nor did she return any of my calls.

A Debt Settlement Program will not work for anyone unless we are working together as a Team towards the common goal. This is the reason our agreement specifically states that each and every client must communicate with our office in an open, honest nature by discussing their account and answering all questions and communications from our office. When National Debt Relief is faced with a client who is unwilling to do so we must make the unfortunate decision to close their file since we know through experience they will not benefit from our service.

Thank you for your time and effort in attempting to resolve *** ******* complaint. If their is anything National Debt Relief can do in assisting to close this complaint amicably please don't hesitate to ask.

***** ****
** **********
National Debt Relief

3/5/2014 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I signed up with NDR in March 2013. In December they "settled" my largest account with a Federal Credit Union. They informed me that they reached a settlement agreement for a specified amount and time frame determined by the Credit Union. I was beyond surprise to hear from the Credit Union legal team that NDR OFFERED a judgement on my account, the credit union DID NOTbring judgement against me. Now, I was made to believe by NDR that they were working in my best interest, why would they OFFER a judgement instead of a settlement agreement. I was told by the credit union legal team that the judgement will be on my credit report for several years. To be honest I signed the "judgement because I didnt want to be taken to court, but i've never seen a judgement before and have never been to court and based on NDR explanation i signed the aggrement. I raised concerns with the CSR I spoke with and ***** cant remember if it was a male or female) stated that it was a settlement and if I don't take it the credit union will file judgement against me. Also, they cancelled my account with their company without notifying me. I learned about this through a creditor who left me a voicemail stating that they called NDR to negotiate and was told that my account was cancelled and they are no longer representing me. I received the voicremail from the creditor on 2/*/14 and I only received a cancellation email from NDR on 2/**/14. Their email stated that my agreement was cancelled due to consecutive "missed payments along with lack of communication from me. THAT IS INCORRECT. Their recordings will show the NUMEROUS times i've spoken with them. I have the names of FOUR ******* ********* ******** i spoke with on multiple occasions. they were a few times I lowered my payment due to other finicial obligations, after all I am in a hardship program, that's why I joined NDR. Their Quality Assurance Managers approved my request to lower my payments. If there was a problem with my account they should have told me. Also, their contract states that if either party (me or NDR) is cancelling the agreement either of us needs to give 30 day notice. I received no such notice. Another problem I had with NDR, they do not listen to their customers, I received settlement offers that I was willing to pay and they would not accept them. The ******* ********* ******* would tell me they will take the offers to the *********** ******* and get back to me and they would not get back to me. I had to keep calling them. I think they threw me under the bus with the credit union account because it was my largest account and therefore the largest fee they would receive from me, which is well over $2000. I had a payment due to the credit union at the end of January, because I am moving this month and I requested to lower my payment and was approved by ******* *******. I did not have enough money in my account after they took their fee ( a quality asssurance manager told me they were going to take a percentage that would equal to $900, but over $2000 was taken). I raised the concern with the ******* ********* ******* of not having enough money he told me management "may" advance money to make the payments, "not to worry" they'll take care of me". he said it would be in their best interest to advance the funds because they receive their fee for that account only once and it doesnt make sense to miss a payment and void the "settlement" and then they'd have to work on getting it back and wouldn't be paid for that work. Which also made sense to me. Apparently, I was not approved for the advance and NDR did not notify me that i was not approved and the payment was not made. If they had let me know i was not approved I couldv'e tried to make the payment, but I was robbed of that opportunity because I was not contacted. I trusted NDR, they were my financial advisers and they were supposed to be working in my best interest. On many occasions they proudly stated to me that they have years of experience negotiating. I deceided to use their company because I wanted to get out of debt and they were accredited by BBB. I was under stress from all the calls from the creditors and all I was thinking about was getting out of debt. NDR screwed me big time.

Desired Settlement: I would like a refund of my money invested into their program. Because they terminated the agreement, I am now left with way more expenses because I now owe my creditors more fees for the months i was in their program. I have seek legal advise and will be taking this further. I have a clearance and that judgement will impact my clearance and that is bacause i trusted NDR!

Consumer Response:



Per an agreement with National Debt Relief I would like to dismiss the complaint I have against the company. A satisfactory settlement has been reached and this particular matter is now closed.



Thank you for your assistance

****** *******


11/28/2013 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: They do not stop calling me. Its going on non stop.

Desired Settlement: I need them to stop contacting me.

Business Response: RE: ID *******
Dear *** ******,
Thank you for bringing the above mentioned complaint to National Debt Relief’s attention. National Debt Relief is committed to providing each and every consumer we come in contact with exemplary service.
This complaint is quite a surprise. The facts show the complainant visited on 9/**/2013. The complainant came to after viewing our information on ********************** after completing a ****** ****** for Debt Relief. Once at the complainant completed an online “request for Information” form. In this form the complainant provided the contact information used by National Debt Relief in an effort to reach him as he requested. National Debt Relief is able to provide the Meta Data along with IP addresses to support the above facts. provides all consumers with a privacy policy that includes how our office uses personal information submitted online. The privacy policy also allows National Debt Relief to contact consumers who submit their personal information to our office via
At no time did the complainant request not to be contacted by National Debt Relief until we received the BBB complaint sent to us by your office. That day the clients contact information was added to our in-house do not call list.
Based on the facts stated above I believe this to be a frivolous complaint and ask the BBB to expunge it from National Debt Relief’s record.
Thank you for the time your office spends in resolving this matter.

***** ****
Vice President, Operations
National Debt Relief

7/8/2013 Advertising/Sales Issues | Read Complaint Details

Additional Notes

Complaint: I have already been in contact with ***** ****, who states he is Vice President of National Debt Relief, but he has not gotten back to me and I have been charged and incurred numerous overdraft fees thanks to his company. I contacted National debt relief and let their representative know that I was considering whether to file bankruptcy or to use their service. Unsurprising the representative was pushing for me to use their service, to the point of making a bold faced lie. The lie was that I would not be able to get a loan for seven years. This lie was the determining factor for me to use National Debt Relief. Upon further research I found out that this was not true at all. I contacted USAA to talk to a financial advisor about my situation, and it was during this discussion that I was informed that what I was told was a lie. If I had not been told this lie, I would have not used National Debt Relief and would have filed for bankruptcy. To say that I am very upset that I was misled would be an understatement. If a person is in a situation where they are considering bankruptcy, and contact a debt relief company, they are in a very stressful situation. After talking with the financial advisor I made an appointment with a bankruptcy lawyer. After my consultation with him I have come to a few conclusions: 1. I was deliberately lied to. 2. The lie was used in order to get my business. 3. That the lie uses the fact that a person is under extreme emotional stress to influence the decision a person makes. My perception is that during the financial crisis that our country is facing, National Debt Relief is using blatant lies to ensure people use their service. This is unethical at best, illegal at worst. National Debt Relief has caused me undue anxiety, stress, and also bank fees. **** *********

Desired Settlement: National Debt Relief needs to stop trying to pull money from my account. I am barely getting by and thanks to them I have the added stress of being negative in my account. They need to refund bank fees and then some...

Business Response: Good Morning *****,
I hope you had a wonderful weekend. I have attached National Debt Relief’s response to the above referenced complaint to this email along with copies of two transcribed phone calls the complainant had with our office. The response references call recordings which I will forward to you on a CD along with a copy of our response. The attached transcriptions are from the recordings I will be sending via USPS. I will send 2 copies so that you can forward one to the  complainant.
Thank you for working with me and National Debt Relief to resolve this matter. Let me know if there is anything else you need or questions you have.
***** ****
National Debt Relief

5/31/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: I originally contacted the business to take control of my debt. I spent many hours over the phone with a "consultant" sharing personal and financial information while working toward an agreement to settle my debts. After weeks of sharing information, not to mention the amount of personal time I invested, I was finally asked to list my source of income. I am a veteran of the US Navy, and u receive both VA Disability and the Post 9/11 GI Bill as income. Once I shared this with my contact, I was told everything was fine, and that it would now be going to the underwriters for final approval. Within an hour of hanging up, I received a call from my contact explaining to me that the underwriters don't want to do business with me for the following reason: Supposedly, in the past 3 years, a veteran with a loan from NFCU had their benefits garnished/seized by NFCU to pay off the debt after being contacted by National Debt Relief. Now, this was something I had always been told couldn't happen by both the Navy and the VA. I assured my contact that this would not be the case, and cited some resources he could use to verify. He then took this to the underwriters, and they came back requesting that I get written documentation from the VA guaranteeing this wouldn't occur. So, I spent roughly 24 hours researching the topic online. What I found was Title 38 of the US Code that SPECIFICALLY STATES that under no circumstances can a creditor garnish, levy, seize, etc., any VA benefit. There is much more detail to the Code, but that is a very accurate summation of its language. I figured, what could be better to present to National Debt Relief than a US Law that refers to situations just like mine. I emailed this information to my contact, and waited for the good news. They came back and said they were uncertain about one word "except". I explained the nature of its usage in the paragraph, and offered to send multiple online resources that would support what I was telling them. I was telling them that it simply didn't apply to veterans such as myself unless it is a Federal Government debt. While they were doing their "research" on that, I was made aware that they were also hung up on the credit it's name, Navy Federal Credit Union. I had to be the one to tell my contact that they are not a Federal company, nor are they affiliated with the US Navy on any official capacity. I invited him to contact NFCU for verification. He did not. In the end, even though I provided them with ample information, they still wanted me to contact the VA. I did, and I spoke with a VA lawyer out of Portland, OR. She assured me that my interpretation was correct, but that she, under law, couldn't provide me with a personalized letter. She told me to continue referring NDR to Title 38. I brought this to NDR, and they (not being lawyers), were too afraid to sign me on as an official client. I specifically was told they didn't want to do it because they aren't lawyers, and that I would have to pay for a lawyer to contact them and support my information before they would accept me. Now, I'm in debt. My debt-income ratio isn't looking so hot, so hiring a lawyer isn't really an option. Finally, they officially rejected my request for service, and said they didn't want to get a complaint on the BBB due to the fact that they make their money from advertising their high GPA with BBB.

Desired Settlement: I would like NDR to have someone qualified look at the information in Title 38 that I provided. If they do, they will see there is no risk for taking me on as a client. I am simply trying to clear up my debt, and make life easier. NDR takes a 23% commission off the total debt, and I have no problem paying for their services.

Business Response:
Dear ******** *****,

National Debt Relief has received your letter dated May **, 2013 along with a copy of the complaint *** ******* filed with your office. First of all, thank you for giving National Debt Relief (NDR) the opportunity to respond to *** ******* complaint. NDR strives to provide each and every consumer we come in contact with an unparalleled service. On the rare occasion a consumer is not happy with our office we will do everything within our power to “right the wrong”.

I have taken the time to review our records regarding *** *******. When reading the complaint for the first time I thought I recognized *** *******’s situation. The notes logged in our CRM confirmed that I was personally involved in the decision making process *** ******* takes issue with in his complaint.

The simple fact is, *** ******* did not meet NDR’s Underwriting Guidelines and could not be enrolled. NDR respects the time, effort and conclusion *** ******* came to after his research. In an effort to provide clients with an honest, ethical Debt Relief option NDR requires each new enrollment to go through two separate underwriting steps to ensure the likelihood of success for each and every client is reasonable. The underwriting guidelines are the culmination of the many years of Debt Settlement experience NDR’s management team offers our clients.

NDR will only enroll clients we believe Debt Settlement is in their best interest. NDR does not believe Debt Settlement is in *** ******* best interest and cannot in good faith enroll him into a Debt Settlement program. I personally made this decision after *** *******’s asked his enrollment agent that his file be reviewed again for acceptance into NDR’s Debt Settlement program. I mention this because in *** ******* complaint he asks to have his file reviewed by, “some qualified”. With over 20 years of Debt Settlement experience I am qualified and stand by the decision National Debt Relief made.

This complaint comes at a fortuitous time for our office. NDR’s BBB Accreditation is currently under review. One of the questions asked of us, was to describe the screening procedures used to determine whether Debt Settlement is appropriate for each consumer. Below you can read an excerpt of our response. *** ******* did not pass the pre-approval step due to his creditors and income source. *** ******* file being reject is the perfect example of NDR’s Underwriting Team doing what is right and in the consumer’s best interest, even when the consumer doesn’t realize it.

National Debt Relief has implemented underwriting procedures to ensure each client enrolling is enrolling in the best possible program for their individual needs. This process starts with the sales representative who collects all the prospective clients’ relevant information including monthly income expense report, assets, credit report, unsecured debts, and goals. When this is complete options are discussed with the prospective client. When DS is determined to be the clients best option the sales representative submits the file to underwriting for pre-approval. The underwriter reviews the file for a strictly “numbers basis”. The underwriter reviews the client’s income level to decide if the client can they afford another option. The underwriter reviews the client’s creditors ensuring National Debt Relief believes we will have success in negotiating with the client’s creditors. This belief is based on our past experience with the creditors clients are attempting to enroll into their debt settlement program. Debt Settlement is only for consumers who are experiencing a financial hardship and are not able to pay back their creditors according to the original agreement. The underwriter reviews the client’s credit report to verify the financial information obtained by the sales representative. The underwriter then makes a determination on the file and notes that finding in the file. This pre approval process serves many functions including giving the prospective client some time to think about their decision. Once the file is pre-approved the sales representative reaches out to the client to complete the process of signing the agreement. Once the agreement is signed the client is transferred to an underwriter who reviews their DS program with them on the telephone ensuring they understand the ramifications of the DS program, the information they provided is complete and accurate.

NDR understands the industry we are in. The BBB asks how we decide if Debt Settlement is right for a client because of all the unscrupulous companies that will enroll everyone they come in contact with, many of whom are set up for failure the day they sign a Debt Settlement agreement. I am proud to work for NDR and with over 100 likeminded team members who truly care about people and our client’s success. We turn prospective clients like *** ******* away every day because it is the right thing to do.

I must say when I received this complaint I was astonished. *** ******* entire complaint is that NDR would not enroll him into our Debt Settlement program. This is a first for me in my many years in this industry. He didn’t complain about our service, nor did he complain about how he was treated by NDR’s team members. I am disappointed to know this complaint will be a stain on our BBB record for the next three years when all we did was, do what is in *** ******* best interest. *** ******* complaint reminds me of that old saying, “no good deed goes unpunished”.

NDR understand the role the BBB plays in today’s market place. Rightfully so, you are a trusted resource for consumers to visit for an unbiased opinion on how companies live up to their clients expectations. This complaint will be seen by the many people who search our company on your website as a black mark against NDR. For this reason I ask that the BBB mark this complaint invalid and expunge it from our record based on the facts of what transpired.

NDR understands *** ******* frustration, even if he doesn’t realize NDR did what is in his best interest.
Knowing *** ******* will receive a copy of this response I would like to caution him from enrolling with another Debt Settlement company since there are many companies out there who do not have the same standards, principles or ethics as National Debt Relief. Many of these companies would be happy to give him false hope by enrolling him into their Debt Settlement program. I also invite *** ******* to contact me personally by calling ###-###-#### if he wishes. I will be happy to review his file and make a recommendation as to the course of action I think will be best for his situation and goals.

Thank you for taking the time to review this lengthy response. Should you require any addition information you are welcome to contact me directly.


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National Debt Relief