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The short answer
The useful comparison is between written proposals for the same debts and state. The public information below does not establish that either is universally cheaper or more suitable.
What the public sources establish
| Question | National Debt Relief | Pacific Debt Relief |
|---|---|---|
| Service | Debt-settlement provider | Debt-settlement provider |
| Published fee description | 15%–25% of enrolled debt, as described on its qualifications page. | 15%–25% of enrolled debt on the reviewed company page. |
| Eligibility | $10,000 on the reviewed qualifications page; confirm the current offer. | Obtain a current written eligibility assessment; no universal threshold is established here. |
Sources: National Debt Relief disclosures; Pacific Debt Relief disclosures
The distinction worth checking
The published enrollment minimum is a company screening rule, not a legal minimum for negotiating your own account.
A percentage of enrolled debt must be translated into dollars before comparing it with the actual creditor reduction. A fee based on savings would be a different formula.
Sources: National Debt Relief disclosures; Pacific Debt Relief disclosures
Put both proposals on the same basis
Use the same balances, creditor list, household budget and state. Request total modeled creditor payments, fees and account costs. Ask each to list accounts they will not handle and what happens when deposits stop or a creditor refuses.
- National Debt Relief: Which of my specific creditors and balances would you accept, and what happens if one refuses?
- Pacific Debt Relief: Is the quoted fee based on each balance at enrollment, the later balance, or the savings?
What this comparison cannot rank
No comparable, independently verified all-enrollee completion data or comprehensive current state-license review was obtained for both services. We therefore do not assign a winner, a star score or a predicted savings rate. Read the individual reviews and evaluate the actual contracts.
Sources: CFPB: complaint limitations; FTC: debt help
Sources & further reading
- National Debt Relief disclosures
- Pacific Debt Relief disclosures
- FTC: debt help
- CFPB: complaint limitations
Sources checked October 19, 2026. Rules and programs can change. This article uses AI-assisted research and has not received attorney or other professional signoff. Read our editorial standards.
Keep exploring
Educational guidance for U.S. debt situations. This page does not decide legal rights, eligibility, fees or suitability. If you have a court, property or service deadline, seek appropriate help promptly; reading this page does not extend it.