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National Financial Relief

Bankruptcy vs Debt Settlement

Sometimes, there's no other option than to file for bankruptcy. But before you do, make sure to assess your situation accurately.

Compare & Consider

Bankruptcy- Filing for bankruptcy relief is a significant financial decision and whether bankruptcy is right for you depends on your circumstances. Some important factors to consider before filing for bankruptcy include:

No one wants to file for bankruptcy. It’s important to weigh all of your debt relief options first, because in many cases, there may be a less extreme way to get out of debt. If your finances are spiraling out of control, find out what bankruptcy really entails and if it is the best course of action for you.


With the option of debt settlement, your debt settlement company negotiates with the lender to agree upon a settlement balance often less than what is owed, to repay the debt. This form of relief is less harmful to your credit score than bankruptcy and can offer some immediate relief from financial pressure drastically lowering your monthly payments.

Which debt relief option is best for you? For many, the answer is debt settlement. But is that the best option for relieving credit card debt? It’s important to review all your options and make the best decision based on your financial reality. Getting a Free Debt Analysis of your financial situation is important in understand which option might be best for you.


Why Choose National Financial Relief?

1. No Upfront Fees - Saving time and money

We do not charge upfront fees and work within the rules and regulations of the Federal Trade Commission (FTC) insuring to protect consumers from abusive practices of some debt relief companies. You don’t pay unless you see results first.

2. Instant set up

Flexible plans that can meet any budget. Unlike traditional debt settlement companies, our program terms are structured around your financial hardships and budget allowing us to help more clients become debt free.

3. High acceptance rate

With years of negotiation experience and strong relations with creditors, collections companies and law firms across the country, each clients Debt Resolution plan is carefully reviewed to ensure the best possible outcome for any debt enrolled

4. Excellent Customer Service

Our customers come first. Our team of customer service agents understand the financial difficulties our clients are faced with and will assist every step of the way. With years of experience helping clients, each CSA is highly trained and knowledgeable to answer any question quickly and professionally.

Our Philosophy

At National Financial Relief we are driven by providing just that… “Debt Relief” to people who really need it. We believe that everyone should have access to sound advice, information and the best possible options for their situation. We pride ourselves on offering good quality, caring customer service. Our philosophy is reflected in the feedback we receive from our many happy clients and the results in the successful plans we put forward. Read some of our testimonials below taken from our many client reviews.

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*We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive.