Debt Relief
Top Companies in 2025
National Debt Relief vs New Era Debt Solutions
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- No upfront fees
- Lower minimum debt requirement
- A+ BBB rating
- No upfront settlement fees
- Free consultation
- IAPDA-accredited & BBB-accredited with A+ rating
- Transparent fee structure
- Settles debt in as little as 28 months
- Additional fees not disclosed
- Not available in all states
- No mobile app
- No guarantee of settlement
- Not available in all states
- Solutions limited to debt settlement
- Limited support hours
- No mobile app
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.
For the last 25 years, New Era Debt Solutions has helped many people, especially families, lighten their financial burdens by settling their debt in an average of just over two years. They follow a personalized approach, pairing you with dedicated debt relief specialists who negotiate with your creditors to significantly reduce your obligations. The company has scored an A+ rating from the Better Business Bureau (BBB) and is accredited by the International Association of Professional Debt Arbitrators (IAPDA). They have a reputation for boasting trust and transparency with clients, for whom they settled over $275 million in debt across 47 states.
- 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
- Credit Score Impact : Program may lower credit score
- Average Net Savings : Around 47.77%, before fees
- BBB Rating : A+
- Fees : 14% to 23% of debt settled
- Timeframe : 28 months on average
- Trustpilot Score : 5 out of 5
- Customer Experience : Excellent
- Lower fees range
- Lower debt minimum requirement
- Large amount of debt settled
- Large network of creditor relationships
- Provides “satisfaction guarantee”
- Relatively low debt settlement timeframe
- Offers Rapid Resolution Program (RRP)
- Has flexible payment options
- Bankruptcy Counseling—Undisclosed
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing
- Bankruptcy Counseling
- Consolidation Loans—Undisclosed
- Credit Card Debt Relief
- Credit Counseling—Undisclosed
- Debt Consolidation—Undisclosed
- Debt Counseling—Undisclosed
- Debt Management Plans—Undisclosed
- Debt Settlement
- Loan Refinancing—Undisclosed
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans—Undisclosed
- Private Student Loans
- Professional Bills—Undisclosed
- Secured Debts
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- Cash—Undisclosed
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket—Undisclosed
- In Office
- Live Chat
- Mobile Application—Undisclosed
- Phone
- Ticket—Undisclosed
National Debt Relief vs. New Era Debt Solutions
Debt settlement is one option for tackling overwhelming unsecured debt that promises real savings—if done correctly. Two companies commonly considered are National Debt Relief (NDR) and New Era Debt Solutions. While they share similarities, their approaches, pricing, and customer support experiences vary.
This comparison will cover four key areas to help you understand how they differ: Minimum debt requirements, services and fees, customer service, and accessibility to guide your choice.
Minimum debt requirements
National Debt Relief and New Era Debt Solutions focus exclusively on unsecured debts and require applicants to demonstrate financial hardship. Neither company charges upfront fees, and both begin with a free consultation to determine eligibility for their programs. Their models rely on clients accumulating funds in a third-party account before settlement negotiations.
The difference lies in entry thresholds. National Debt Relief requires a minimum of $7,500 in unsecured debt to qualify for their program. New Era does not publicly list a minimum requirement, which could allow for more flexibility. However, the lack of a clearly defined minimum may also lead to uncertainty during the consultation phase, depending on the individual’s debt profile.
Services and fees
Both companies offer debt settlement as their core service, involving negotiation with creditors to reduce the amount owed. Clients work with assigned specialists, make monthly deposits into an escrow account, and only pay fees after settling a debt. Neither company offers credit counseling, debt consolidation, or legal assistance outside settlement negotiation.
Their pricing structures differ in scope and transparency. National Debt Relief charges between 15% and 25% of the total enrolled debt. New Era’s fees are slightly lower, ranging from 14% to 23%, and are calculated based on the amount of debt successfully settled—not the original enrolled total.
Additionally, New Era provides more upfront disclosure about their pricing structure, while National Debt Relief has received criticism for not clearly outlining all associated fees, such as escrow account charges.
Customer service and accessibility
Both providers hold A+ ratings from the Better Business Bureau and are accredited by the International Association of Professional Debt Arbitrators (IAPDA). Client reviews across platforms like Trustpilot and Google consistently highlight the quality of customer interactions, with both companies being noted for professional conduct, timely updates, and knowledgeable representatives.
The main difference is accessibility. National Debt Relief offers extended support hours, including evenings and weekends, which may benefit clients with restrictive schedules. New Era operates with limited availability, closing on Sundays and maintaining shorter weekday hours. Neither company provides a mobile app, which restricts account access to their respective web portals.
Conclusion
National Debt Relief and New Era Debt Solutions provide debt settlement services with no upfront fees, experienced staff, and a proven negotiation-based model. Their similarities make them comparable in structure and general process.
However, National Debt Relief offers more predictable entry criteria and longer customer service availability, which may appeal to clients seeking consistency and convenience. New Era Debt Solutions stands out for their lower average fees and clearer pricing disclosure, making them better suited to individuals focused on cost transparency.
Ultimately, the most appropriate choice will depend on your priorities regarding eligibility, service access, and pricing structure.
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