National Debt Relief helps people get out of debt by negotiating with their creditors to reduce how much they owe, especially with credit card debt. They don't charge any fees upfront; instead, clients make monthly payments into a special account controlled by them. When a deal is reached to lower the debt, the money in that account pays creditors, and the company charges a fee based on the settled amount, usually up to 25%. People can set up their own payment schedules, and the whole program usually takes about 2 to 4 years to complete.
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The cancellation process requires completing and submitting a Notice of Cancellation form via fax or email and then following up by phone and email to confirm cancellation. However, clear steps are provided, there are no penalties or fees for cancellation, and a full refund is possible within five days, making it relatively straightforward but involves some paperwork and communication steps.
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How to Cancel National Debt Relief: Step by Step
If you purchased through Credit or Debit Card:
- Contact National Debt Relief: Call their customer service at 888-660-7427 to initiate the cancellation process.
- Fill out the Cancellation Form: Request the cancellation form by email or online directly through their site.
- Submit the Cancellation Form: Send the completed form back via fax or email to the provided contacts from customer service.
- Ask for a Confirmation: Ensure you receive a written confirmation that your subscription has been canceled.
If you purchased through PayPal:
- Log into your PayPal account: Navigate to your account settings.
- Select 'Payments': Find the pre-approved payments section.
- Find National Debt Relief: Locate the subscription you want to cancel.
- Cancel the Subscription: Select the option to cancel the payment agreement.
- Confirm Cancellation: Check for a confirmation email from PayPal regarding the cancellation.
Tips & Tricks for Canceling National Debt Relief
- Cancel anytime by requesting all funds in your account be returned to you.
- Stop payments to the debt relief company and pay your creditors directly afterward.
- Use a stop payment order through your bank to halt program deposits without notifying National Debt Relief immediately.
- After a few payments, formally terminate the program to prevent fees from being taken out of leftover funds.
- Negotiate settlements directly with creditors to avoid debt relief company fees.
- Be aware that fees may be non-refundable if already charged on settled accounts.
- Read the contract's fine print carefully for any clauses that could complicate cancellation or refund withdrawals.
- Note that once settlements are in place, creditors accept payments from you directly or through the company without issue.
- Calling creditors to negotiate can sometimes help in combination with pausing or cancelling your program.
- Debt relief companies cannot legally pursue fees after you stop payments, but creditors may void settlement deals and require full payment again.
- Timing cancellations after monthly payments can minimize fee charges.
- Language to use: Be firm, request refunds, mention you will handle creditors directly, and assert your rights to stop payments legally.
- Some users suggest citing and demanding confirmation of cancellation in writing.
National Debt Relief Customer Service Info
If you need assistance, here's how you can get in touch with National Debt Relief's support team.
Cancel National Debt Relief Script
Script
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Dear National Debt Relief Team,
I hope this message finds you well. I would like to request the cancellation of my subscription. Due to unforeseen financial changes, I am unable to continue my membership at this time.
I appreciate the services provided thus far, but I believe it is in my best interest to discontinue my subscription now. Please confirm the cancellation of my account and any future billings.
Thank you for your understanding.
Best regards,
Frequently Asked Questions
National Debt Relief's cancellation policy generally allows cancellations if the money applied for has not been spent and was received within the last 120 days, without any charges or fees. If the customer is not satisfied or if the debt cannot be settled, they can cancel anytime before the debt settlement occurs. Note that specific cancellation terms may vary based on the type of loan or service.
To cancel your subscription with National Debt Relief (novapowersolutions.com), you do not need your password. The cancellation process involves calling their customer service at 888-660-7427 to receive a cancellation form, which you must fill out and send back by fax or email. There is no requirement for a password to complete the cancellation. If you've forgotten your password for logging in, you can reset it at https://login.nationaldebtrelief.com/reset-password.
- Difficulty canceling accounts due to poor communication and hard-to-understand foreign responders.
- Refund issues with customers requesting money back due to overcharges or unsettled debts.
- Double charges and unauthorized withdrawals causing overdrafts and financial hardship.
- Feeling misled or extorted with fees and settlement amounts higher than expected.
- Aggressive or unwanted promotional emails that customers want stopped.
- Preference to pay creditors directly rather than through National Debt Relief.
- Poor handling of payments creating mistrust or dissatisfaction.
- Delays and inconsistent information leading to frustration and cancellation requests.
Be aware that National Debt Relief allows you to cancel your contract within five days after signing for a full refund, but after this period, refunds are unlikely and you lose fees paid. After the five-day window, you can still cancel at any time without penalties or early-cancellation fees, but you become fully responsible for repaying your debts, and cancellation may not be possible once a settlement amount has been agreed with a creditor. Also, canceling can negatively impact your credit score and financial options, so it's important to carefully consider your decision and keep all cancellation communications documented.
Before cancelling your National Debt Relief subscription, know that you have a five-day period after signing your contract to cancel without penalty and receive a full refund of any payments made. After this period, refunds are unlikely and you may forfeit any fees paid. Cancelling after five days means you become fully responsible for all your debts, and creditors may contact you for repayment. Additionally, cancelling could negatively impact your credit score, and you will lose access to the debt settlement services provided by National Debt Relief, including creditor negotiation and consolidated payments. It is important to keep detailed records when cancelling and consider alternative options like credit counseling or debt management plans.
- Full name as it appears on the account
- Account number or client ID
- Contact information (phone number and email address associated with the account)
- Date of agreement or enrollment
- Notice of Cancellation form located in your Debt Relief Agreement
- Signature and date on the Notice of Cancellation form
- Reason for cancellation (if required by the company or for record-keeping)
- Proof of delivery (if sending cancellation via certified mail or email/fax, retaining confirmation receipt)
- Documents or records of previous communications regarding the subscription or cancellation
- Contacting customer service at 888-660-7427 to confirm receipt of the cancellation
- Copy of the debt settlement contract for any additional required steps
We've actually written a step by step guide on how to get a refund from National Debt Relief. Check it out!
The Easiest Way to Cancel National Debt Relief
If you’re frustrated trying to cancel your subscription, membership, or bill from National Debt Relief—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to National Debt Relief?
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Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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