November 18, 2023

How to Cancel National Debt Relief

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Canceling a service doesn't have to be a pain. Here's a step-by-step guide on how you can say goodbye to National Debt Relief.

National Debt Relief can help you settle your debts. But sometimes, things take a sharp turn.

Maybe your credit score has plummeted. Or maybe you can no longer afford the monthly payments.

If you've decided to opt-out, this guide will help you cancel your service with National Debt Relief. You'll also find alternatives on how to keep reducing your debts at the end of the article.

National Debt Relief Cancellation Process

The cancellation process is different for every debt relief company. Remember the debt settlement contract you signed with National Debt Relief?

You'll find the instructions to cancel your debt relief program there. Here's what you can also do:

  1. Call National Debt Relief at 888-660-7427 (toll-free).
    A representative will give you specific instructions on how to cancel the debt relief program. Customer support is available Monday to Friday, 10:00 AM to 8:00 PM EST.[1]

  2. Fill out the cancellation form.
    After you call and notify National Debt Relief of your intent to cancel, they'll send you a cancellation form for you to fill out.

    This cancellation form serves as the official notice of the cancellation of your debt settlement contract. Sign and date the form before sending it back.

  3. Send the form through fax or email.
    You can fax the form at 888-688-3291 or email it to You should also call 888-660-7427 to confirm with National Debt Relief if they've received your form.

Can I cancel my account with National Debt Relief anytime?

Yes, you can cancel your National Debt Relief account at any time. National Debt Relief does not charge penalties or cancellation fees.

You'll also get back the money you've accrued in your dedicated account. You won't have to pay if you're unsatisfied with the service due to National Debt Relief's Satisfaction Guarantee.

National Debt Relief Satisfaction Guarantee

National Debt Relief's satisfaction guarantee applies whether you are still in the early months of your program or are in the middle of negotiations for debt cancellation.

National Debt Relief Satisfaction Guarantee
"Moreover, we do not collect a fee associated with our efforts to settle a particular debt until you have approved that settlement and made at least one payment. If we can't settle your debt or if you're not satisfied up to the point of us settling your debts — for any reason — you can cancel anytime without any penalties or fees other than any fees earned associated with prior settled debts. That's right! We get results or you don't pay."

You only need to pay National Debt Relief when you approve and settle your debts with creditors. Meaning, you don't need to pay any service fee or upfront fee when National Debt Relief is in the process of negotiations.

You can track debt negotiations and debt cancellations through your online dashboard. Once you get the updates, you can decide if the new lower debt is something you can pay off.

You can always ask National Debt Relief to renegotiate for you, especially if you can't afford to settle the debt yet. National Debt Relief does not charge any fees until you settle your debt.

What happens to debts after canceling National Debt Relief?

Your debts become your responsibility. It means you need to keep in touch and update your creditors, especially if you want to settle your debts on your own.

Basically, you now need to do all the things National Debt Relief does (unless you switch debt relief companies).

Here are other things you can expect after canceling your program:

  • Interest rates in your credit cards increase again
  • Late fees and other waived charges are reinstated
  • Consolidated debts are no longer combined
  • Creditors may start calling you again

Here's what clients have to say about their experience on the National Debt Relief's cancellation process.

National Debt Relief Customer Reviews

National Debt Relief has gained a lot of debt relief program reviews from some of the biggest platforms online. Below are some stories about the cancellation process for some clients.

Ann's review recounts how National Debt Relief kept giving more reasons to stay on the program instead of just canceling.

"Don't do business with them when you try solve for your debt. They have so much hidden fee. And when you try to cancel with them, a lot of reasons will come up so you cant cancel with them. They are a scam. Don't trust them at all. I am so regret now."

On the other hand, Melissa's review comments on National Debt Relief's flexibility. She also mentioned that they were able to provide her with a solution for her debts instead of just canceling.

"When I first started the program I fell on some even harder times and tried to cancel several times, but each time I tried the reps were right there to offer me an easier payment. I just got my first settlement and it feels great. I am so glad I didn't cancel!"

At the end of the day, only you can decide if National Debt Relief isn't working for you. But these reasons might help if you're still on the fence about it.

Reasons To Cancel National Debt Relief

It may be time to reconsider your program if you find yourself in any of the situations below:

  • You are not happy with the service
    National Debt Relief is a large company handling hundreds of clients. You may not be satisfied with its service. If you are dissatisfied, it's your right as a consumer to cancel.

    Note that some companies may charge termination fees. Always read your contract to avoid surprises.

  • It's hard to keep up with the monthly deposits
    Although National Debt Relief negotiates a lower debt amount for you, you're still technically making monthly deposits to your dedicated account. If it's hard to commit to these payments, it may be better to cancel the service.

  • You want to minimize credit score impact
    One of the biggest risks for debt relief is a plummet in your credit score. You will earn some missed payments, late payments, and collections in your credit reports.

    It's best to cancel your service immediately if you prefer to focus on maintaining good credit.

    Does National Debt Relief hurt your credit?
    Yes, getting debt relief services from companies like National Debt Relief can impact your credit. Your credit score will most likely decrease due to missed payments. Plus, you will get some negative items on your credit report for not paying what you owe.

  • National Debt Relief's fees are expensive
    National Debt Relief's fees are 15-25% of your debt, which can be really pricey, especially for large debts.[2] Although this percentage is common for debt relief companies, it's best to turn in your cancellation form if you can't afford it anymore.

    You can always search online for more affordable companies. Or turn to alternatives.

  • You want to take matters into your own hands
    No one else can be more invested with your debts and financial matters more than YOU. You can cancel your debt relief services in favor of a more hands-on approach.

    Can I do debt relief on my own?
    Yes, you can! Like credit repair, bankruptcy, or caring for your overall personal finances, you can perform debt relief on your own. Don't be intimidated by your creditors, and know that you have rights as a consumer. Companies like National Debt Relief only serve as a help when you need it.

Speaking of taking matters into your own hands, here's what else you can do to relieve yourself of debt.

What is the primary reason you want to cancel your National Debt Relief service?

National Debt Relief Alternatives

There are 3 alternatives to National Debt Relief. You can perform debt settlement yourself, check out other debt relief companies, or go for a credit counseling agency.

DIY Debt Settlement

Performing debt settlement yourself would be the cheapest option. You won't need to think about service fees or hidden charges.

Here's how you can do it:

  1. Evaluate your current financial situation.
    First, assess your income and budget. This will help you understand your capacity to pay off your debts.

    Then, make an inventory of all your debts. Take note of your interest rates, date of last payments, and current debt status. This will give you an overview of what you need to negotiate.

  2. Perform a 'background check' on your creditors.
    Creditors have different policies and methods for handling debts, negotiations, and settlement offers. It's best to research other people's experiences with your creditors so you don't go unprepared for negotiations.

    Some creditors are aggressive in taking legal action against debtors. But others may be reasonable enough to accept settlement offers on the spot. It's best also to know the Statute of Limitation (SOL) of your debts to prepare.

    Statute of Limitation (SOL) for debts
    The statute of limitations is the allowable time your lenders and creditors can file a case against you for not paying what you owe. SOLs vary per state and type of debt. Usually, SOLs last anywhere from 3–6 years from the date of your last payment. It's best to search specifically for your state law and debt types.

  3. Start a settlement fund.
    Build a settlement fund right away and make your monthly deposits. Your creditors may only give you a few days after negotiations to settle the reduced amount.

    The settlement fund works similarly to your dedicated account with National Debt Relief.

  4. Negotiate a deal.
    You can start calling your creditors once you have a significant amount of money saved up. Be specific about the amount you can pay off instead of giving creditors a percentage.

    In some cases, your creditors may already have a prepared settlement offer before you make the call. You can counteroffer with the amount you can settle or accept right away. But try to reach a favorable middle ground.

  5. Request for a written debt settlement agreement.
    Once you agree to a settlement offer, request for a written arrangement. Your negotiations will mean nothing if there is no proof that your creditors have agreed to a lower amount.

    Ensure the agreement contains your creditor's information, account numbers, terms of settlement, and new (reduced) debts. The agreement should state that the amount satisfies your debt obligation.

  6. Pay your reduced debt.
    You can now pay off your new and reduced debt! Note that some creditors may demand the reduced amount immediately. But you can also set a new term arrangement.

You just have to repeat the process for your other creditors. Just keep saving for your settlement fund and negotiate until you pay off all your debts.

Debt Relief Companies

If doing the work yourself is too risky or too much for you, you can consider other debt relief companies. Below are some alternatives:

  • Accredited Debt Relief
    Accredited Debt Relief focuses on debt consolidation options. It can negotiate with your creditors for a new term where you can get lower monthly payments or waive some fees.

    Like National Debt Relief, Accredited Debt Relief claims that most clients usually pay off their enrolled debts in 24-48 months.[3] Nevertheless, the specific duration required for successful program completion will depend on your unique financial situation and the total debt you owe.

    You can read National Debt Relief vs. Accredited Debt Relief to find out which company is more suitable for your needs.

  • Freedom Debt Relief
    Freedom Debt Relief works like National Debt Relief. They charge the same price and have the same minimum debt relief qualification (must have more than $7,500 debt to qualify).[4][5]

    The difference is Freedom Debt Relief partners with the Legal Partner Network to help provide legal assistance if a creditor sues you. You don't need to pay for additional service fees as they are part of your program.[6]

Credit Counseling Agency

A credit counseling agency can help you create a debt management program (DMP). It can help you restructure your debts and strategize how to tackle them.

These services are typically offered by nonprofit organizations. You'll be able to consult professionals about your credit, other debts, and other matters on personal finance.

Bottom Line

Sometimes, canceling your National Debt Relief program is the way to go. You can easily do so in three simple steps:

  • Make the call (888-660-7427)
  • Fill up the cancellation form
  • Fax or email the form to National Debt Relief

After that, you can choose to negotiate with your creditors yourself or choose from other debt-relief alternatives. Exploring other options may be more sustainable for you in the long run.


  1. ^ National Debt Relief. We're Here to Help, Retrieved 10/07/23
  2. ^ National Debt Relief. FAQs: What will your service cost me?, Retrieved 11/02/2023
  3. ^ Accredited Debt Relief. FAQs: When will I have my debts paid off?, Retrieved 11/02/2023
  4. ^ Freedom Debt Relief. Who Is Debt Relief Right For?, Retrieved 11/02/2023
  5. ^ National Debt Relief. Qualifications, Retrieved 11/02/2023
  6. ^ Freedom Debt Relief. What benefits can I expect from Freedom Debt Relief?, Retrieved 11/02/2023
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What is the primary reason you want to cancel your National Debt Relief service?
27% Dissatisfied with the service
1% Debt successfully resolved
23% Found a better alternative
32% Financial situation changed
17% Other
Source: CreditDonkey
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