Debt Relief
Top Companies in 2025
Debt Rx vs National Debt Relief
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- BBB accreditation with an A+ rating
- No upfront charges
- Tailored customer assistance
- No upfront fees
- Lower minimum debt requirement
- A+ BBB rating
- High minimum debt required
- Not available in all 50 states
- Absence of clear information
- Potential negative impact on credit score
- Additional fees not disclosed
- Not available in all states
- No mobile app
Debt Rx, founded in 1999 and headquartered in Frederick, Maryland, offers personalized debt relief solutions for individuals facing overwhelming financial burdens. With a particular focus on engaging in negotiations with creditors to mitigate unsecured debt, their services extend to credit card debt, medical expenses, personal loans, and various other financial obligations. Debt Rx has established commendable standing and professionalism with an A+ rating from the BBB and IAPDA accreditation. Their experience of more than two decades further supports this. Their customers value their individualized strategy, straightforward communication, and commitment to assisting them in re-establishing their financial stability. The commitment of Debt Rx to providing effective debt settlement and negotiation services without requesting upfront payment enables people to receive relief without creating any initial financial obligations. Debt Rx provides individuals dealing with escalating debt or aspiring to attain financial autonomy with a dependable companion along the trajectory toward financial freedom.
Founded in 2009 in New York, National Debt Relief has become a leading name in debt settlement, known for their compassionate approach and remarkable track record. They offer free consultations and work tirelessly to negotiate significant reductions in unsecured debts, having settled over $1 billion for more than 500,000 clients. National Debt Relief's commitment to excellence is reflected in their A+ rating from the Better Business Bureau (BBB) and accreditation by the American Association for Debt Resolution (AADR). Their website provides extensive resources and educational materials to help you make informed financial decisions. To know more, read the full review.
- Credit Score Impact : May impact your credit score
- Average Net Savings : Up to 50% before fees
- BBB Rating : A+
- Fees : Undisclosed
- Timeframe : 24-48 months
- Trustpilot Score : 4.8 out of 5
- Customer Experience : Good
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : 30%-50%
- BBB Rating : A+
- Fees : 15%-25% of total enrolled debt
- Timeframe : 24-48 months
- Money-Back Guarantee : False
- Trustpilot Score : 4.7 out of 5
- Customer Experience : Excellent
- No examination of credit history required
- Legal expense plan
- Provides a free consultation
- Lower fees range
- Lower debt minimum requirement
- Large amount of debt settled
- Large network of creditor relationships
- Provides “satisfaction guarantee”
- Bankruptcy Counseling
- Consolidation Loans—Undisclosed
- Credit Card Debt Relief
- Credit Counseling—Undisclosed
- Debt Consolidation—Undisclosed
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing—Undisclosed
- Bankruptcy Counseling—Undisclosed
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing
- Collection Accounts—Undisclosed
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Cash—Undisclosed
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- In Office—Undisclosed
- Live Chat
- Mobile Application
- Phone
- Ticket
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket—Undisclosed
DebtRx vs. National Debt Relief
When evaluating debt relief providers, DebtRx and National Debt Relief (NDR) stand out as key players offering solutions for individuals struggling with unsecured debt. Both companies focus on debt settlement but differ in their approach, fees, and accessibility. Understanding these differences can help consumers choose the best option for their financial situation.
Minimum debt requirements
Both Debtrx and National Debt Relief specialize in helping consumers reduce unsecured debts, including credit card balances, medical bills, and personal loans. However, Debtrx does not have a strict minimum debt requirement, making it a more flexible option for individuals with varying debt levels.
National Debt Relief, on the other hand, requires a minimum of $10,000 in unsecured debt to qualify for its programs. This threshold ensures that NDR’s services are targeted at consumers with significant financial burdens, aligning with standard industry practices for debt settlement companies.
Services and fees
Debtrx sets itself apart by leveraging AI-driven technology to negotiate settlements with creditors on behalf of its clients. Instead of traditional human negotiators, its automated system analyzes financial data and offers customized solutions to help reduce debt more efficiently. This tech-based approach often results in lower fees and faster settlements compared to traditional debt relief companies.
National Debt Relief, in contrast, follows a traditional debt settlement model, where human negotiators work with creditors to reduce outstanding balances. Clients typically enroll in a structured program, making monthly deposits into a designated account before settlements are negotiated. NDR charges fees ranging from 15% to 25% of the total enrolled debt, payable once settlements are reached. While effective, this approach can take 24 to 48 months to complete, depending on the debt amount and negotiation success.
Debtrx’s automated system allows for a more streamlined experience, often settling debts faster than the industry average. Additionally, its transparent pricing model can result in lower costs compared to the percentage-based fees charged by NDR. However, as a relatively new player in the industry, Debtrx may not have the same established track record as National Debt Relief.
Customer service and accessibility
National Debt Relief is well known for its strong customer support, with representatives available by phone and email during extended business hours. It has received positive reviews for its personalized approach, guiding clients through each step of the settlement process. NDR is accredited by the American Fair Credit Council (AFCC) and holds an A+ rating with the Better Business Bureau (BBB).
Debtrx’s AI-driven platform minimizes the need for direct human interaction, making it a better fit for tech-savvy users who prefer a self-service experience. While it provides online support and resources, it may lack the personalized customer service experience that NDR offers. Additionally, since Debtrx is a newer company, it may not have as many customer reviews or long-term success stories as National Debt Relief.
Overall comparison
Both Debtrx and National Debt Relief provide effective debt relief solutions, but they cater to different types of consumers. Debtrx’s AI-powered platform is ideal for those looking for a faster, more automated debt settlement experience with lower fees. However, those who prefer hands-on guidance and a traditional negotiation process may find National Debt Relief a better fit.
Ultimately, the choice depends on individual financial needs, preferred level of customer interaction, and program costs. Comparing fees, service models, and customer experiences can help consumers determine which provider is best suited for their debt relief journey.
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