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Yes, National Debt Relief is a legitimate company that has been operating since 2009. They are accredited by the American Association for Debt Resolution (AADR) and have platinum accreditation from the International Association of Professional Debt Arbitrators (IAPDA). They also hold an A+ rating with the Better Business Bureau (BBB) and are members of the US Chamber of Commerce.

National Debt Relief provides services in 47 states like California, New York, Illinois, and New Jersey, as well as Washington, D.C. However, they are not available in Oregon, Vermont, and West Virginia. To see if they offer services in your state, you can check their website or contact their customer service.

To qualify for the National Debt Relief program, you must owe more than $7,500 in unsecured debt and be experiencing a financial hardship that makes it difficult to keep up with payments. This can include situations like job loss, medical expenses, or other significant financial challenges. It's best to contact National Debt Relief for a free consultation to determine your eligibility.

Participating in a debt settlement program like the one offered by National Debt Relief can negatively affect your credit score. During the negotiation process, payments to creditors are typically paused, which can result in missed payments being reported to credit bureaus, thereby lowering your credit score.