Is National Debt Relief a Scam? Community Review 0 0 12 0 Mar 4, 2026 2026-03-04T16:25:22-05:00 Mar 4, 2026 2026-03-04T16:27:08-05:00 Online Threat Alerts (OTA) National Debt Relief is a legitimate company specializing in debt settlement, not a scam, but the industry carries risks. They help negotiate lower payments for unsecured debt, but this can severely hurt your credit score and result in tax consequences. Beware of upfront fees, guaranteed results, or unsolicited calls, as these are signs of fraud. Key ConsiderationsLegitimacy: National Debt Relief is a legitimate company and not a scam, but it is important to be aware of the risks involved in debt settlement services.Risks: Debt settlement can have negative impacts on your credit score and may not be the right solution for everyone.Warning Signs: Be cautious of companies that ask for upfront fees or guarantee specific results.Alternatives: Consider other options such as debt consolidation or credit counseling.