• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Credit Card Debt

stack of credit cards split in halfIn 2012, credit card debt in America amounted to more than $800 billion. This is the third largest debt category next to mortgage and student loans.

Borrowing money is not always a bad thing. When you are diligent in paying off your dues, you get to build up your credit score that will eventually help you get financial aid when you need it in the future. It only becomes bad and damaging when you borrow more than what you can afford to pay back.

That is what makes credit card debts a very popular sinkhole to get into. Most Americans keep on spending without thinking about how they will pay for their expenses. The appeal of getting products immediately and paying after is a tempting scenario for any shopper.

Credit card companies abuse this consumer trait by wooing card holders to keep on spending despite their inability to pay for the debt that their will acquire. They offer low interest rate schemes that will suddenly increase after the promo period. These companies get sweeter as they encourage spenders to use their cards on even the smallest purchase they make.

The Credit Card Debt Scenario

It is very easy to get into this kind of debt but you cannot always blame it irresponsible consumer spending. Sometimes, people don’t have a choice.

Imagine a family unable to pay their groceries in cash because the father lost his job in the recent recession. They will resort to paying for their expenses through these plastic cards. When there is a medical emergency and payday is still a week off, credit cards are used as a fallback. When the choice is between surviving and debt, most will obviously choose the latter.

What Not to do with Credit Card Debt

If you find yourself saddled with credit card bills, do not despair because there are programs and companies that exist to help you recover. You have a lot of options before you but more importantly, you need to be informed about your current situation. As important as it is to know what your next steps should be, you also need to find out what not to do with credit card debt.

First of all, do not resort to doing nothing. That is the worst you can do. This is not something that you can ignore because the interest rate will keep piling up the more you refuse to pay for your dues.

Another thing that you should not do – at least if you do not have to, is filing for bankruptcy. There are instances wherein declaring that you are broke is the only way out. However, that does not include escaping your debt obligations. When you say that you are bankrupt, it is true that the chances of your loans and other debts will be wiped clean – but there are several repercussions to that. For one, it will be very difficult to get financial aid in the future. You will either be declined or you will be given high interest rates for being such a high risk borrower. Either scenarios will not help you out of any tight situation. Try not to resort to this unless you really have to.

The last mistake that will make your financial standing worse is cutting off your credit card. Cancelling your account will not erase your dues. You will be unable to use your card anymore but that will not mean your debt will no longer grow. The interest on your credit card debt will just keep on piling unless you do something about your balance. Not to mention the fact that closing your account will lower your credit score.get debt relief help

If you want a way out of your mounting dues, you need the help of an expert. We encourage you to talk to us so we can plan your way out of this financial crisis. National Debt Relief specializes in debt settlement and we can help you aim for an easier payment term with your creditor.

Do you qualify for debt consolidation?

Primary Sidebar

Consolidate Your Debt!

Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"..."

Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/17/2021 Charlotte: I am calling because I wanted to ask a few quick questions about your experience with National Debt Relief [unclear 0:00:27]. JOSE: It’s good. Charlotte: Now before I begin, I have to let you know that our call is recorded. Can you tell me what actually made you decide to work with [unclear 0:00:40] National Debt Relief as opposed to other providers? JOSE: Good. Charlotte: What made you decide to work with National Debt Relief, as opposed to other debt relief companies? JOSE: Aside from your reviews, I’m guessing the success of the reviews. Charlotte: Tell me about the service and the program that National Debt Relief signed you up for? JOSE: I was able to collect all my debt into one chunk and then pay it off. Also was able to get settlements lower than what the balance was. Charlotte: How easy or difficult would you say the enrollment process was? JOSE: It was pretty simple. It wasn't difficult at all. Charlotte: Now is there anything about the process that you feel could have been improved? JOSE: Not at all. I think everything went smoothly. Charlotte: Perfect. Can you give me a little feedback on your experience with your negotiator? What did you think about your negotiator? JOSE: Negotiator was really firm and fair. Charlotte: Do you happen to remember the name of your negotiator by chance? JOSE: I do not, actually. Charlotte: Okay. Is there anything about that representative stood out [unclear 0:03:04] at all? JOSE: No, not at all. Charlotte: Perfect. How comfortable did you feel working with the negotiator through this process? JOSE: Very comfortable. Charlotte: Perfect. So if you had any questions or concerns, how did the negotiator work with you to resolve any questions or concerns that may have arisen? JOSE: At this point, I really didn't have any concerns at all. So, I mean, been doing a great job. Charlotte: Awesome. So if you were gonna rate your experience with National Debt Relief so far, on a scale of maybe one to five, and five would be that you would recommend to friends and one is you were pretty dissatisfied, how would you rate them? JOSE: Is 5 the highest? Charlotte: Yes, 5 is the very highest. JOSE: Okay. Then we’ll go with 5. Charlotte: Would it be okay if I posted your comments as a review on our public web site for National Debt Relief? JOSE: Yes. Charlotte: I will also send over a link so that you can have it as a record for yourself as well. And I have you at salvipride673@gmail.com. JOSE: Yes. Charlotte: How did National Debt Relief work with you as far as setting up a payment [unclear 0:04:45]? JOSE: They did pretty good. Like I said, I have no complaints at the moment. Charlotte: How comfortable were you with the amount that you were paying? JOSE: Very comfortable. Charlotte: Perfect. Now as far as your thoughts on the cost in relation to the quality of service you received at National Debt Relief, what would you say about that? JOSE: The service team was all right. Charlotte: Now if you were going to rate your experience on a one to five, five is that you would recommend to friends and one is you're pretty dissatisfied, how would you rate them? JOSE: 5. Charlotte: Perfect. Would it be okay if I posted a few of your comments to our website? JOSE: Yes. Charlotte: Now if a friend or a family member were asking you about National Debt Relief, what would you say? JOSE: Really great people to work with. Very quick and easy, very responsive, no issues. Really makes you feel like they’re there for you. So not a scam at all. Charlotte: Perfect. Now about where are you in the process at this point? JOSE: I've already had two creditors resolved already. Pretty happy about that. Charlotte: And of course, our call is recorded.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Jose Perez
ConsumerAffairs Reviews
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer