Consolidating credit card debt with

The representatives we spoke to were quick to reply and thoroughly explained the entire program to our secret shoppers.

National Debt Relief provides all the forms necessary to notify your creditors you’ve entered a hardship program and gives you access to a client dashboard where you can get updates on how your settlement is proceeding.

In some cases they may be able to reach a settlement before you have enough to pay the settlement company’s fees.

The settlement companies we interviewed all offer flexibility in these situations, letting you divide your payment into monthly installments.

In a debt management plan the credit counselors will negotiate a reduction on interest rates and fees with your creditors.