Debt Settlement Letters – Proven Results

National Debt Relief is one of the country’s leading debt settlement companies, helping people reduce unsecured debt through personalized negotiation strategies. Since 2009, we’ve helped hundreds of thousands of clients resolve their debt and take control of their financial future. 

Below is a small sampling of the successful debt settlements we’ve negotiated on behalf of our clients. You’ll find letters from many major credit card issuers and healthcare financing companies agreeing to settle debt for less than the full amount owed. 

These examples reflect settlements reached for consumers who successfully completed all program terms. Results vary, and not all creditors will agree to settle. 

NOTE: We regularly update this page with recent settlements from top credit card banks and healthcare lenders. If you don’t see your bank listed, it doesn’t mean we haven’t worked with them—feel free to contact us, and we may be able to provide examples specific to your situation. 

American Express

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$6,957.00	$6,957.32	$3848.00	55.31%	19.69%
$11,561.00	$13,401.11	$6,740.76	58.31%	16.69%
$7,055.00	$7,003.50	$4,923.46	69.79%	5.21%
$1,028.00	$1,135.57	$457.63	44.52%	30.48%
$16,194.00	$17,296.10	$11,294.35	69.74%	7.26%
$8,522.00	$5,726.28	$4,311.89	50.60%	26.40%
$1,171.00	$1,001.26	$403.51	34.46%	41.54%
$21,664.00	$22,147.21	$13,354.77	61.64%	23.36%

Barclays

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$23,905.00	$25,330.25	$1,0132.10	$42.38	32.62%
$3,922.00	$5,483.21	$1,644.96	41.94%	33.06%
$2,366.00	$2,186.57	$983.95	41.59%	33.41%
$10,222.00	$3,834.66	$2,876.00	28.14%	50.86%
$2,417.00	$3,003.91	$1,051.37	43.50%	31.5%
$4,488.00	$4,488.20	$1,400.00	31.19%	44.81%
$7,303.00	$1,075.54	$967.98	13.25%	76.75%
$10,071.00	$11,956.60	$5,978.30	59.36%	15.64%

Capital One

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$13,900.00	$14,028.72	$4,058.01	29.19%	45.81%
$9,335.00	$9,335.95	$1,166.55	12.5%	62.5%
$11,745.00	$7,047.91	$5,639.00	48.01%	26.99%
$11,005.00	$7,186.87	$5,052.37	45.91%	30.09%
$10,176.00	$11,419.95	$6,052.57	59.48%	25.52%
$2,372.82	$2,434.01	$1,339.00	56.43%	18.57%
$679.00	$679.46	$298.96	44.03%	30.97%
$2,792.00	$2,792.58	$1,117.04	40.01%	34.99%
$1,729.00	$1,529.34	$995.00	57.55%	24.45%
$4,011.00	$4,011.10	$2,700.00	61.52%	17.48%

Citibank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$7,169.00	$8,489.09	$2,971.18	41.44%	33.56%
$5,657.00	$2,322.03	$1,973.00	34.88%	47.12%
$9,394.00	$9,806.64	$3,432.32	36.54%	39.46%
$14,065.00	$17,029.59	$5,960.35	42.38%	32.62%
$11,454.00	$11,630.13	$7,500.00	65.48%	11.52%
$1,858.61	$2,532.60	$887.00	47.72%	28.28%
$12,968.00	$14,280.46	$5,713.00	44.05%	31.95%
$8,236.00	$9,735.58	$3,408.00	41.38%	43.62%

Discover

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$3,048.00	$2,042.00	$1,634.00	53.61%	26.39%
$5,829.00	$4,727.40	$3,096.00	53.11%	31.89%
$8,353.79	$5,178.78	$4,402.00	52.69%	24.31%
$14,309.00	$14,309.75	$5.724.00	40.00%	35.00%
$11,661.00	$11,661.25	$5,840.00	50.08%	29.92%
$2,584.00	$2,584.25	$1,421.34	55.01%	20.99%
$3,398.00	$3,645.85	$1,459.00	42.94%	33.06%
$15,714.00	$15,714.78	$6,286.00	40.00%	35.00%

Fifth Third Bank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$14,077.00	$11,809.40	$8,868.00	63.00%	14.00%%
$5,662.00	$6,014.51	$3,927.48	69.37%	15.63%
$5,870.00	$6,470.21	$3,236.00	55.13%	24.87%
$9,187.00	$7,258.82	$5,445.00	59.27%	16.73%
$11,388.00	$12,201.29	$4,880.52	42.86%	36.14%
$12,053.00	$12,053.92	$4,821.57	40.00%	38.00%

First National Bank of Omaha

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$1,646.00	$1,956.04	$782.42	47.53%	28.47%
$2,535.00	$3,263.45	$1,305.38	51.49%	25.51%
$4,149.22	$4,355.26	$1,960.00	47.24%	28.76%
$3,144.00	$3,944.78	$1,577.91	50.19%	25.81%
$7,965.00	$9,524.67	$3,809.87	47.83%	28.17%
$1,214.00	$1,352.61	$541.04	44.57%	30.43%
$14,054.00	$15,258.07	$6,103.23	43.43%	32.57%
$9,035.00	$9,842.11	$3,936.84	43.57%	32.43%
$1,646.00	$1,956.04	$782.42	47.53%	58.47%

First Premier

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$541.00	$541.97	$270.99	50.09%	24.91%
$681.00	$681.82	$307.00	45.08%	29.92%
$702.00	$702.06	$316.00	45.01%	29.99%
$811.57	$1,076.59	$538.30	66.33%	9.67&%
$812.00	$1,095.79	$547.89	67.47%	7.53%
$1,247.00	$1,349.65	$674.83	54.12%	25.88%
$507.00	$435.05	$218.00	43.00%	32.00%
$1,092.00	$1,092.25	$546.13	50.01%	24.99%

LendingClub

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$38,672.00	$38,672.99	$15,480.00	40.03%	34.97%
$1,122.00	$1,173.04	$705.00	62.83%	17.17%
$14,534.00	$15,228.75	$9,140.00	62.89%	14.11%
$32,405.00	$32,210.41	$12,884.16	39.76%	36.24%
$10,551.75	$11,960.80	$4,784.32	45.34%	29.66%
$4,643.00	$4,147.58	$1,763.00	37.97%%	37.03%
$16,543.07	$16,543.07	$7,445.00	45.00%	32.00%
$13,656.00	$16,937.12	$6.970.00	51.04%	24.96%
$3,566.00	$3,733.25	$1,494.00	41.90%	35.10%

Merrick Bank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$3,347.00	$3,347.26	$1,171.54	35%	40%
$1,000.00	$1,403.54	$492.00	49.2%	35.8%
$2,273.00	$3,045.51	$1,066.00	46.9%	29.1%
$5,086.00	$5,917.25	$2,663.00	52.36%	22.64%
$2,.358.00	$3,011.64	$1,356.00	57.51%	17.49%
$2,861.00	$3,543.95	$1,418.00	49.56%	54.44%
$3,738.00	$4,470.70	$2,011.81	53.82%	23.18%
$2,011.00	$2,464.49	$986.00	49.03%	26.97%

Navy Federal Credit Union

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$14,102.00	$15,881.28	$6,352.12	45.04%	39.96%
$12,469.00	$12,769.67	$5,107.87	40.96%	35.04%
$5,602.00	$6,049.76	$2,419.90	43.2%	36.8%
$6,268.00	$6,068.28	$2,427.31	38.73%	46.27%
$19,603.00	$20,336.64	$10,600.00	54.07%	21.93%
$5,113.00	$4,911.85	$1,964.74	38.43%	36.57%
$10,260.00	$10,260.77	$4,104.00	40.00%	35.00%
$7,939.00	$7,939.18	$3,573.00	45.01%	25.99%
$2,003.81	$1,533.81	$660.00	32.94%	44.06%

OneMain Financial

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$6,523.00	$6,523.89	$2,936.00	45.01%	36.99%
$3,832.00	$3,832.06	$2,108.00	55.01%	20.99%
$7,556.00	$8,559.72	$4,280.00	56.64%	18.36%
$13,622.25	$12,716.71	$6,359.00	46.68%	38.32%
$2,756.00	$2,646.43	$1,852.50	67.22%	7.78%
$10,426.00	$10,856.68	$4,343.00	41.66%	33.34%
$12,348.00	$12,348.22	$5,557.00	45.00%	40.00%
$9,363.00	$10,056.00	$6,536.87	69.82%	5.18%
$14,610.00	$14,610.30	$9,496.70	65.00%	10.00%

PayPal CREDIT

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$732.00	$732.45	$330.00	45.08%	39.92%
$3,451.00	$3,410.52	$1,535.00	44.48%	30.52%
$2,977.00	$3,816.16	$1,335.66	44.87%	30.13%
$9,393.00	$9,393.52	$4,182.00	44.52%	31.48%
$2,344.00	$2,344.98	$1,056.00	45.05%	30.95%
$3,875.00	$3,875.42	$1,745.00	45.03%	30.97%
$3,350.00	$3,350.25	$1,508.00	45.01%	29.99%
$2,499.00	$2,499.42	$1,125.00	45.02%	29.98%

Prosper Loans

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$956.00	$956.34	$432.00	45.19%	29.81%
$1,608.00	$1,593.96	$720.00	44.78%	30.22%
$13,218.00	$13,290.67	$7,975.00	60.33%	18.67%
$9,914.00	$5,910.71	$3,600.00	36.31%	42.69%
$750.91	$1,061.34	$425.00	56.60%	23.40%
$1,289.00	$1,824.83	$822.00	63.77%	12.23%
$1,336.00	$1,796.36	$809.00	60.55%	14.45%

Synchrony Bank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$2,365.00	$2,861.00	$1,001.35	42.34%	32.66%
$3,641.00	$4,402.00	$1,540.70	42.32%	32.68%
$577.00	$964.80	$337.68	58.52%	16.48%
$17,635.00	$18,324.23	$8,245.90	46.76%	38.24%
$1,934.55	$1,934.55	$678.00	35.05%	40.95%
$8,382.00	$8,432.00	$3,791.00	45.23%	32.77%
$3,301.00	$2,349.81	$1,192.25	36.12%	40.88%
$1,311.00	$810.80	$324.33	24.74%	50.26%
$3,439.12	$2,548.49	$1,096.00	31.87%	10.13%

TD Bank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$2,986.00	$2,939.14	$1,765.00	59.11%	16.89%
$9,988.00	$9,879.64	$5,930.00	59.37%	17.63%
$1,920.00	$2,139.47	$1,069.73	55.72%	20.28%
$1,225.00	$1,225.84	$613.00	50.04%	24.96%
$2,826.00	$3,210.08	$1,611.00	57.01%	27.99%
$3,093.00	$3,761.99	$1,900.00	61.43%	13.57%
$12,996.00	$12,366.00	$7,420.00	57.09%	19.91%
$6,685.00	$7,959.04	$2116.00	31.65%	47.35%
$6,741.00	$7,796.74	$3,899.00	57.84%	19.16%

US Bank

Enrolled Balance	Settled Balance	Settlement Amount	Settlement %	Debt Reduction %	View PDF
$4,059.00	$4,899.73	$2,205.00	54.32%	21.68%
$15,147.00	$17,589.84	$7,916.00	52.26%	24.74%
$6,099.00	$6,049.04	$2,723.00	44.65%	30.35%
$11,465.00	$12,288.65	$4,915.20	42.87%	34.13%
$2,929.00	$3,466.58	$1,387.00	47.35%	27.64%
$2,118.00	$2,118.64	$954.00	45.04%	29.96%
$6,553.00	$7,759.44	$3,103.77	47.36%	28.64%
$3,985.00	$4,532.23	$1,812.89	45.49%	29.51%
$4,281.35	$5,364.42	$2,145.77	50.12%	26.88%

Debt Settlement With National Debt Relief: How It Works 

A Proven Strategy to Reduce and Resolve Your Debt 

At National Debt Relief, our debt settlement process is designed to help you regain control of your finances. If you’re struggling with high levels of debt, our Certified Debt Specialists are here to support you every step of the way.  

Debt settlement is a process in which we negotiate directly with your creditors to reduce the total amount you owe. This means that instead of continuing to pay the full balance, you may have the opportunity to settle your debt for a lower amount. If you choose to work with National Debt Relief, we could help you reduce your debt and avoid the long-term challenges that come with only making minimum payments. 

Personalized Debt Negotiation Services 

Debt settlement begins with a free, no-obligation consultation, where we review your financial situation and create a personalized plan that fits your budget. Once you’re enrolled in our program, you’ll make monthly deposits into a dedicated savings account.  

While these funds grow, our Certified Debt Specialists start negotiating with your creditors, working to get you the best possible settlement offers. By working directly with your creditors, we’re able to negotiate down your balance, making debt settlement a popular option for those looking to pay off debt faster than they would by making minimum payments while potentially saving thousands. 

Achieve Financial Stability With Debt Settlement 

As we reach debt settlements, the money you’ve saved is used to pay off each negotiated debt. With our expertise in debt negotiation, many clients see a substantial reduction in what they owe, helping them become debt-free in 24-48 months.  

Our debt settlement services are great for people who have $10,000 or more in unsecured debt, such as credit card debt, medical bills or personal loans. If you’re ready to start your journey toward becoming debt-free, National Debt Relief’s experienced team can help you take back control of your financial future. 

Let’s Talk About Your Debt 

]If you’re feeling overwhelmed by debt, you don’t have to face it alone. Take the first step today by speaking with one of our specialists.