Shopping debt-relief companies? Relief settles your debts for less, too — for one flat monthly membership instead of National Debt Relief’s 15–25% of everything you owe. You keep more of the savings, and the calls stop on top of it.
One flat monthly membership · No percentage cut of your settlements · Cease & desist letters included
National Debt Relief runs a multi-year program that settles your debts for a percentage of what you owe. Relief takes a different starting point: it’s not just about settling — it’s an app for people in collections that silences harassing calls with cease & desist letters, monitors every contact for FDCPA violations, and lets you settle when you’re ready, all under one flat monthly membership. The whole settlement process is automated through the app, and you’ll see the typical reduction percentage for each creditor before you approve anything.
Inside the app
Side by side
An app that settles your debts for less — for one flat monthly membership — and silences harassing calls and catches FDCPA violations along the way.
A multi-year program that negotiates lump-sum payoffs on your enrolled accounts for less than the full balance.
People who want to settle their debts for less without handing over a big percentage — and want the collection calls to stop, too.
People with a larger balance who can fund a dedicated savings account for two to four years.
One flat monthly membership. No per-letter fees, no per-request fees, and no percentage cut of your settlements.
Typically 15–25% of your enrolled debt (the original balance), charged as accounts settle — plus dedicated-account fees. Varies by state.
Cease & desist letters are drafted and delivered for you — calls typically quiet down within 30–60 days.
Generally not stopped. Collectors can keep calling while you save toward settlements.
Every collector contact is logged and monitored for FDCPA violations. A documented violation can mean up to $1,500 in some cases — or leverage toward a full settlement of the account.
Not a core part of the program.
Three options in-app: an AI-drafted response (included), a lawyer-drafted response (flat fee), or hiring an attorney end-to-end (flat fee). Court filing fees may apply.
You can still be sued while enrolled. The account may be moved up for negotiation or referred to an affiliated attorney.
When you’re ready, the app automatically requests settlement offers from your creditors and shows the typical reduction for each one before you decide.
The core service — once enough is saved, settlements are negotiated for you to approve.
You’re a member from day one, and cease & desist letters can go out right away. Settlement requests are sent automatically; if a creditor agrees and you approve, you pay your creditor directly.**
Often a $7,500+ unsecured-debt minimum. First settlement is commonly ~4–6 months in; programs run 24–48 months, with payments routed through a dedicated savings account.
The big difference
National Debt Relief charges roughly 15–25% of your enrolled debt — the original balance, not the settled amount — plus setup and monthly fees for a dedicated savings account. Relief is one flat monthly membership: no per-letter charges, no per-request fees, and no percentage skimmed off your settlements.
For most balances, that makes Relief the more affordable way to settle for less.
Why people pick Relief over National Debt Relief
National Debt Relief is a settlement program — stopping collector contact isn’t its purpose, and calls can continue while you save toward settlements. Relief drafts and delivers real cease & desist letters for you, and the calls typically quiet down within 30–60 days. Every contact is logged and checked for FDCPA violations, worth up to $1,500 each in some cases.
Enrolling with National Debt Relief doesn’t make you lawsuit-proof; creditors can still take you to court. Relief builds the response into the app: an AI-drafted response included with membership, a lawyer-drafted response for a flat fee, or hiring an attorney end-to-end for a flat fee. Court filing fees may apply.
Automated through the app
Illustrative reductions. Actual offers vary by creditor and account — you see each one in the app before you decide.
Common questions
Settle your debts for less, keep more of the savings, and get the calls to stop — all from your phone, all in one flat monthly membership.
Get the app**After a settlement request is sent, creditors have 60 days to respond. If a settlement is reached and you approve it, you pay your creditor directly.
Relief is not a law firm and does not provide legal advice. Relief members receive cease & desist letters, collector-violation monitoring, and access to legal services through independent attorneys for certain matters. The attorney-client relationship, if any, is between the member and the independent attorney for the specific matter.
Comparison figures for National Debt Relief reflect publicly reported program terms (industry reviews and CFPB guidance) and vary by state and individual circumstances. Current as of June 2026.