certified debt specialist

operations technician

customer success manager

sales representative

customer service representative

National Debt Relief

This job has been a blessing from the moment I started working here. The only reason I do not give it a 5 star rating is because, ironically, the company has grown a lot since I started. Unfortunately, with growth comes stricter policies, more restrictions, and a decline in an organizational culture NDR emphasized a lot on during the early days. It's still a great place to work, as well as an amazing opportunity to anyone willing to put in the work, but the changes over the years are very significant and disappointing. That said, for the most part, this is inevitable in any company that prospers.

Pros:
-The sky is the limit in regards to your pay. What you hear in orientation and job applications is true. Any agent cracking below $70,000 a year is doing something wrong and should be seeking guidance or working harder. The Top 1% with the Mamba Mentality (R.I.P) can make over $170,000 without the need of a supervisor role. What you make is a reflection of what you put in and how well you understand the system.

-Flexible schedule. You can choose to work 8-5pm, 9-6pm, 10-7pm, 11-8pm, 12-9pm, 1-10pm, or 2-11pm. You can also mix up these shifts throughout the week for variety.

-Ease. You basically just sit down and dial the phone numbers of people who have already applied (i.e. no cold calling) for assistance. That's it. You also directly or indirectly help out a lot of clients that truly need the service.

-Great location with several perks.

Cons:
-Even though the compensation is lovely, what you receive each month can fluctuate, as with any other sales job. However, here, there's a higher degree of uncertainty because of the way leads are distributed and prioritized. Technically, it's favoritism, but this favoritism is based on an algorithm, so not all opportunities are created equal. Based on your efficiency/conversion ratio, you may find yourself in many frustrating and deflating situations where you don't get assigned anything, but you see the guy next to you getting lead after lead. This is stressful, but it's tackled by working even more hours, which in turn can be mentally draining. That brings us to...

-Work/Life Balance. This is NOT a 9-5 job. It absolutely can be if you want it to be. However, don't expect to be rewarded for it. If you want the money, you have to work more hours than expected to grab the opportunities. Otherwise, the guys outworking you will take them from you. This is a job for those who are competitive and don't break down when they have a poor week or month.

-Job security. The best way to describe this job would be to call it a money-making machine. I wouldn't get comfortable enough to consider it a career for many reasons, mainly stemming from QA policies that are constantly changing and introduced since the company began to grow, as well as it being a private LLC that, due to a declining market, can literally shut its doors or lay people off. The latter already occurred once in the past. Make no mistake, whether you are an agent, supervisor, or manager, you are easily expendable/replaceable here, so be appreciative of the privileges granted to you and don't **** this up.

I've been here over a year so far and gosh i loved this job when i first started...lots of support, clear goals and some inbound calls. fast forward a year later, they have hired about 700 more people, there are literally major changes in job responsibilities daily. I mean you check your emails from one day to the next and its a different job. I now feel like a telemarketer. Super confusing, non-motivating and if you say anything they just accuse you of being negative. Reality does not equate being negative, there is not open communication they just say "stay positive" concerns are not complaints. And if a majority of the people working here are saying the same thing then its real.

I was hired for one job, since I've been here I feel like its changed 12 times, at least. There is high favoritism and it is very hard to get out of your pigeonhole. The "top" agents always stay at the top and they dangle them like carrots over our heads. I will say this...there is no way to be the 5 guys they are always talking about because they get the best, easiest to close leads, The leads are not giving out fairly and for many people the opportunities to close deals is very limited because you can only close people if you actually get people on the phone. They take conversion of those leads very seriously...but if leads never pick up or you give agents leads that you know don't qualify, how is that an accurate depiction of conversion?

I felt like there was more opportunity when i first started, Now i am considering looking for another job. They do not seem to want to cultivate who is there now, they just churn and burn through employees at this point. They say work life balance is important, but then people take your leads if you are not there. Like you literally have anxiety to take your days off because your leads go to someone else and the lead quality is poor so you get anxious when someone else get your lead. 

There was a opportunity to make a very healthy income, but now its a daily struggle fighting for leads with 1200 other agent when they could thrive with 600. I will also say the compensation is awful...you can make decent commissions, but then there are the ridiculous amount of chargebacks and i am good at what I do, we all get them. There is no financial stability because you never know what you really get until you get it . Basically, you have to work way to hard for not a lot of upside. If they wanted and cared to keep talented people, they would pay a decent salary and do something better about the ridiculous way they do chargebacks. So we were not just wasting our time for a very small amount. 

A typical day at work as a Sales Coaching Partner is both structured and rewarding. My role involves partnering with team supervisors, observing coaching sessions, and providing feedback that helps drive real results. Every day feels purposeful because I can see the direct impact of my efforts on both supervisors and their teams.

One of the greatest things I’ve learned here is how powerful consistent coaching and communication can be in shaping performance. I’ve grown stronger in leadership, problem-solving, and motivating others — skills that not only apply to my career but to life in general.

Management at National Debt Relief is supportive and accessible. They genuinely care about both client results and employee development, and they provide the resources and guidance needed to succeed. The culture reflects that same balance of accountability and encouragement. People here want to win, but they also want each other to win, which creates an energizing and collaborative workplace.

The hardest part of the job can be the pace. Sales environments are naturally fast-moving and results-driven, which requires adaptability and focus. However, that challenge also makes the role exciting and pushes me to continue growing.

The most enjoyable part for me is seeing the transformation in supervisors and their teams. Helping someone unlock their potential and then watching their numbers and confidence rise is incredibly fulfilling. It’s motivating to know that my coaching is not just improving production, but also contributing to people’s personal success.

Overall, National Debt Relief is a place where hard work is recognized, growth is encouraged, and every day brings an opportunity to make a difference.


A typical day was never getting an answer from your team lead or conference manager how leads are disbursed to employees, and how bonuses and commissions are tracked and paid out. 

The culture is a kiss butt atmosphere and if you ask too many valid questions it will raise a red flag. Their training team “WILL” tell you in training, they will ensure your team lead places you in the worst lead bucket to make the least amount of money, if you seem too smart for them by asking valid questions they can’t answer. (No one likes anyone that is more educated than them). 

Their conference managers will take callbacks you scheduled to potential clients you have already built rapport with and redistribute them to their top agents, when they feel you produced a solid sale for the company, which by the way, they only have a handful of those agents who consistently make $10K or more a month. 

The hardest part was chargebacks. If a client cancelled before 6 months after enrollment the company will charge you back, even after you have made a million dollars consistently a month for them, sending you home with $1000 or less every two weeks. Not to mention your commission is only paid once a month! 

The work culture is VERY unprofessional!

This company has bad work ethics and plays favoritism and rotates employees to different teams every six months, making it difficult for you to be successful and only has a hand full of employees that stay consistent every month, encouraging the other 90% of employees to work overtime to make more money. (Make it, make sense)

 After a year of employment shenanigans, I would not recommended this company to ANYONE especially if you’re a natural leader like myself, hold a Masters degree in Business Management and understand finance and credit! 

Oh let’s not forget about the hidden fees they don’t advise their clients of and bad negotiation tactics. Their negotiators pick and choose who they want to pay first. Clients have no say in this, but this is after this company take their fees from their monthly payment and if the client misses payments due to unforeseen circumstances in life, the client may have a balance causing them to apply for a loan, putting them in more debt. 

This company has been good to me in 5 years or so I have worked here. I have moved around a little bit but I started where most people do. You make this job what you want it to be. If you show up just for the paycheck and carry that attitude with you, that's all you can expect to get out of the job and you can't expect to do more or be more. I made a promise to maximize my time here and it has mostly paid off. If you have the right attitude and work ethic, you can go places, sometimes unexpected places. You must also be willing to do a little extra and think outside the box if you want to stand out as someone with potential. The company isn't perfect and I believe that most people here are honest and actually want to do well by doing good. There are those who are dishonest, shady and do whatever they can to get ahead, even if it's not always on the level. With that said, I wouldn't continue to work at a company if I felt like its leadership was inherently dishonest or if there was egregious malfeasance. I don't understand some of their decisions sometimes and there are some things I'd change if I were in charge, but overall, I believe that management and leadership really believes they are making the right calls to keep the business running smoothly. Once or twice, I felt like I wasn't given the tools I needed to perform certain tasks but this is the best job I have ever had, and I have been a working professional for a long time. I have to say it again: if you really want to make the most of this and really design your career, you have to take a long, hard look at what you're good at and try to find a way to use that in your work. It's possible because I did it and I can honestly say that though I could be more so, I'm pretty satisfied with work and looking to do more in the coming months and years.

The client experience is always the top priority in this company, which is an easy mission to stand behind considering the clientele we work with and the hardships that our clients face. Every department at every level works towards that goal of improving procedures or policies that make our clients happy. My favorite part of the job is talking to clients who are highly upset, connecting with them, hearing them out, and finding a solution to deescalate and provide the RELIEF that we advertise and pride ourselves on. It may not be the right company for those who take other people's frustrations personally, however, if you are open to growth in mastering the skills that this company helps train you in, it is worth it. While there are inevitable growing pains due to how fast we're growing, the decision-makers listen to suggestions and implement changes voiced up the ladder. The pay is fair, the rewards are merit-based, and the time off and benefits offered are more than generous. The leadership team always strives to incorporate creative incentives and create a safe culture for those who want to be the best they can be in their roles. There are always going to be people who don't share the same mindset and gratitude for the positive changes that take place, but change is a constant here for the reasons mentioned above, so adaptivity to change is vital to success at NDR. The rewards are great if you are willing to adapt. I have worked here 3 years, have received promotions/recognition for my efforts, and can only speak highly of all of the efforts made towards improvement at every level, in every department. The PTO increases based on tenure, and the benefits and retirement options have enhanced my life on a personal level. I'm forever grateful to NDR for helping me get to hit my financial and health-related goals!

I worked at NDR for a year during which time I learned a great deal about the debt relief industry and counseling those in debt. The training is brief and intense and yet gave even a newcomer such as myself enough to hit the ground running. The first few months were sink or swim, but ultimately I swam my way to a pretty nice paycheck with the right level of support and motivation. The technology and apparatuses at NDR are pretty awesome. You really feel you are in the 21st century.  Communicating with other departments is easy. You can make a lot of $$ at this company with the right attitude and hard work. Even though I didn't agree with everything, this company holds its sales department out as the stars of the show. One downside is that when my production decreased I began to feel burnt out and grew skeptical of the position. I feel more could have been done to salvage my strong start at this company. This was a fast pace environment with a lot of application multitasking so its different from your standard inbound call center. I was assigned leads and handled some in-bound calls and was required to dial out virtually all day. I can confidently say there is equal treatment at NDR given the universal low tolerance for BS in light of the time-money continuum there. There is a lot of quality control and all activities are on their radar. Anytime I felt pressure, I knew so did the rep next to me. The office is big and bright. They are flexible with your break routines, but do not expect to take a scheduled hour lunch every day. I never did. There are enough helpful and friendly people there to make your experience lucrative and worthwhile. Managers are animated and professional with a classy sense of humor. This is a sales job where ambition and aptitude will  take you further than your IQ or an impressive education.

Took this job due to former colleagues tipping me off to good compensation here, and I don’t regret it so far! 

I earned a commission my first month out of training which was unusual according to many, but appreciated. The training itself was longer I personally felt was needed, but it was useful in preparation for the role. 

Once on the floor, you are somewhat micromanaged, but personally had no issues as I want to grind out business and earn a bigger commission check. The top 20% of reps here easily earn 6 figures with some in the 200k+ range, which means you have a realistic chance of a six figure income without false promises. 

The sales approach here is like riding a bicycle, you may fumble and struggle through it until it clicks and it becomes easy. You have cold streaks and hot streaks, but staying positive is the key to earning a consistently large commission check every month. 

I do have some issue with work life balance as if you take too many days off your numbers will obviously suffer, and there is no quota relief and low output will be held against you, so be sure to have acceptable numbers before taking a vacation. Also job security can be an issue as I’ve witnessed people get let go or placed on PIP for one bad month. 

It does scare me in regards to my own job security, but it is something to consider, I personally haven’t had issues producing but always worry that one bad month could result in me losing my job based on what I’ve witnessed. 

Overall, if you have the right mindset and an empathetic personality with loads of patience you can make great money here; but not everyone will succeed. I personally love it here thus far in both compensation and workload, I just worry for my job security. 

The Underwriting role is mostly a glorified customer service job. Yes there are underwriting aspects to this job and yes it is not challenging but there's not much room for growth. In fact if you're really good at your job, you're stuck in that role. Also during downtime, you're expected to call clients and leave messages for them to call back. It's tracked so you're downtime is not really downtime, potential for burning out is high.

The workplace culture is odd. There's areas that are super relaxed like walking in with jeans and casual shoes but then you're given a ton of hoops to jump through if you're going to request time off. If you don't submit Time Off a certain way with the right people, even though it's approved, you will be penalized by losing an additional vacation day. 

They're stingy with time off as well, you only get 10 vacation days, you don't get most federal holidays off; only New Years, Memorial Day, 4th of July, Labor day, Thanksgiving and Christmas. So when u get penalized and lose a vacation day, that really creates the potential for employees to burn out. This means you have to strategically plan your vacation days to rest as opposed to actually take a vacation.

Management is low key for the most part. Do your job, keep to yourself, things will continue. What's truly annoying is the lack of responsibility and diligence among the Customer Service staff. When they don't know what to do, instead of using it as an opportunity to learn, it gets transferred to underwriting. So you deal with the daily nonsensical escalation call then find out you're pretty good as a customer service rep as well.

Good entry level job! 
Company serves a good purpose.

What is the best part of working at the company?
The money that you can possibly make note I say possibly

What is the most stressful part about working at the company?
They watch everything that you do they measure every phone call how many calls a day cycles your micromanage they listen to all the calls and correct correct correct you and pressure you all day long. It's pure insanity. The grid is unbelievable and they bleed you dry and not only do they want you to work 40 plus hour week they want you to work overtime and weekends as well. They can fire you at a moment's notice even if you bring in a half a million a month. This company is pure evil towards its employees unless you're a million hitter. The walkthroughs and the workload is beyond imagination like nothing ever experienced in many years of working in different companies. 

What is the work environment and culture like at the company?
The interesting thing is that the coworkers are wonderful it's the management that should be taught a lesson. They bring out the worst in people. They expect you to perform like a 5-year employee after a few months with terrible training.

What is a typical day like for you at the company?
You getting and you're on the phones, you have to complete cycles of calling people. While taking inbound calls and making out and calls and fixing the files. After you enroll someone it's a 40 minute walk through with a lot of ridiculous redundancies and compliance. If you miss saying on a recorded line twice you're a high risk of losing a job. You really don't have a moment to rest if you don't book your two a day.

Top Job Titles	Average Salary
Certified debt specialist 8 salaries reported	$40,150 per year
Operations technician 1 salary reported	$27.90 per hour
Customer success manager 6 salaries reported	$19.88 per hour
Sales representative 3 salaries reported	$16.67 per hour
Customer service representative 4 salaries reported	$16.50 per hour

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