National Debt Relief vs Pacific Debt Relief for Texans

Key Takeaways

• National Debt Relief publicly describes its fee as up to 25% of enrolled debt, and a National Debt Relief agreement reviewed for a Texas resident states 24%. Pacific Debt Relief’s Texas page lists a 15% to 25% range that varies by state.
• Debt Redemption, which currently serves Texas residents exclusively, charges 15% of eligible enrolled consumer debt it resolves, earned only after a settlement is reached, the client approves it, and the first creditor payment is made.
• On $100,000 of eligible debt resolved, the provider fee difference between 15% and 24% to 25% is $9,000 to $10,000, before creditor payments, account charges, and tax consequences.
• Before enrolling, ask each company for its written Texas fee percentage, the balance it is calculated on, and the separate dedicated-account charges.
• Debt Redemption Texas Debt Relief helps Texans explore debt relief options, including debt settlement, with a free, no-obligation consultation.

 

Debt Redemption Texas Debt Relief is a 100% veteran-founded debt relief company that has served Texans for 24 years and currently works exclusively with Texas residents. We offer a debt settlement program for eligible Texans, access to a debt consolidation loan platform to compare rates, and referrals to nonprofit credit counseling through our partners. Our program is performance-based, with no upfront debt relief fees. Call 800-971-4060 for a free, no-obligation consultation. Book a free consultation

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Texas debt settlement comparison | Reviewed September 28, 2026

National Debt Relief and Pacific Debt Relief both market settlement to Texans. A National Debt Relief agreement reviewed for a Texas resident specifies a 24% performance fee; National publicly says up to 25%. Debt Redemption charges 15% of eligible enrolled consumer debt it resolves, 37.5% to 40% less in provider fees than 24% to 25% on the same balance. Pacific’s Texas page says 15% to 25%. Ask each for its actual written Texas rate.

The Texas fee question in one table

Provider	Public fee disclosure	The Texas quote to request
National Debt Relief	Up to 25% of enrolled debt; varies by state and debt	Exact percentage, fee base, and separate account charges
Pacific Debt Relief	15% to 25% of enrolled debt; varies by state	Exact percentage, fee base, and separate account charges
Debt Redemption	15% of eligible enrolled consumer debt resolved	Written 15% fee and the independent account schedule

Competitor disclosures are their published program figures, checked September 25, 2026. They do not establish a single rate for all Texas applicants. Terms in the signed agreement control. The 24% National Debt Relief example above comes from a reviewed Texas agreement, not its public disclosure.

Why a national 15% to 25% range is not your Texas price

A National Debt Relief agreement for a Texas resident reviewed by Debt Redemption states a 24% settlement fee. Other competitor agreements we reviewed for Texans state 25%. Against those 24% to 25% examples, our 15% provider fee is 37.5% to 40% lower on the same debt resolved. Some states restrict fee percentages; a multi-state 15% to 25% advertisement can reflect differing state rules, enrolled balances, and provider terms. It does not establish that a Texan will receive the 15% end of the range. Ask for the Texas agreement with its actual fee printed on it.

Texas law has several debt-management fee structures. For qualifying performance-based settlement fees under Texas Finance Code section 394.210(j), there is no fixed percentage ceiling, but the fee must be reasonable and cannot be collected until a creditor settlement agreement is reached and the consumer makes the first payment. Other Texas fee structures do have numerical limits.

The difference between a 15% and a 24% to 25% settlement fee

Eligible debt resolved	Fee at 15%	Fee at 24% to 25%	Provider fee difference
$30,000	$4,500	$7,200 to $7,500	$2,700 to $3,000
$100,000	$15,000	$24,000 to $25,000	$9,000 to $10,000
$300,000	$45,000	$72,000 to $75,000	$27,000 to $30,000

The 15% fee is 9 to 10 percentage points, or 37.5% to 40%, lower than a 24% to 25% fee on the same eligible enrolled balance resolved. These are provider settlement fees only, calculated as if the entire illustrated balance were settled. They exclude creditor payments, independent account charges, optional attorney fees, and tax consequences. Actual settlements and total program costs differ. The comparison does not mean either named competitor always charges 24% to 25% in Texas.

National Debt Relief and Pacific Debt Relief in Texas

Pacific’s own Texas page makes its state-sensitive fee range relevant to this comparison. Its program FAQ describes a threshold of at least $10,000 in qualifying unsecured debt. National Debt Relief does not publish a single fixed Texas fee on the materials reviewed; ask both companies for an individualized agreement, not a national example.

National Debt Relief describes broader partner access to consolidation loans, credit counseling, and bankruptcy options. Pacific and National each describe dedicated-account arrangements; request the current independent account agreement so you can compare account charges separately from the provider’s settlement fee.

Debt Redemption focuses on Texas households, including many comparing $30,000 to $300,000 or more of unsecured debt. Large balances make the percentage and its fee base especially important: a 9- to 10-point difference is $27,000 to $30,000 if $300,000 of eligible enrolled debt is resolved.

Debt options designed around Texas residents

Debt Redemption is a veteran-owned Texas company with a current A+ Better Business Bureau rating. Its Debt Relief For Texans settlement program serves Texas residents, with a 15% performance fee earned only after an eligible debt is settled, the client approves it, and the client makes the required first creditor payment. A separate dedicated account is administered by Forth; obtain its current written fee schedule before enrollment.

A settlement program is only one path. We can help Texans explore an affiliate marketplace for debt consolidation loan offers, referrals to nonprofit credit counseling, and optional representation by independent Texas counsel under a separate agreement and fee. Upon request, we can also refer Texans to an experienced, highly rated independent Texas bankruptcy law firm to compare bankruptcy with nonbankruptcy choices. Lenders determine loan eligibility; independent lawyers provide legal advice and set their own fees. None of those third-party services is included in the 15% settlement fee.

What to request before choosing a company

• A written Texas fee percentage, how it is calculated, and the balances to which it applies.
• The independent account provider’s opening, monthly, payment, and other charges.
• The monthly deposit required, an estimate of timing, and the consequences of missed deposits.
• Any lawyer agreement, scope of lawsuit work, limitations, and separate legal fee.

Have written quotes? Ask Debt Redemption for a free Texas-specific comparison before you decide. Call 800-971-4060 or visit https://www.debtredemption.com/apply.

How Debt Redemption Texas Debt Relief Can Help

At Debt Redemption Texas Debt Relief, our Texas Debt Specialists offer free, no-obligation consultations to help you understand your options and build a plan that fits your situation.

Depending on your situation, you may qualify for our debt settlement program, where we negotiate balance reduction with your creditors on eligible unsecured debt, generally $30,000 or more. We also offer access to a debt consolidation loan platform through an affiliate partner, plus referrals to nonprofit credit counseling. Many clients resolve their debt in as little as 12 to 60 months, and program payments are sometimes less than half of prior minimum payments. Results vary.

Call 800-971-4060 to talk with a Texas Debt Specialist and explore your debt relief options.

 

Book your free consultation

 

Frequently Asked Questions (FAQ)

Does Pacific Debt Relief charge 15% or 25% in Texas?

Its Texas page states 15% to 25% depending on state, but does not establish one rate for every Texan. Ask Pacific for its written fee percentage on your own debt list.

What is the National Debt Relief fee for Texas?

A National Debt Relief agreement we reviewed for a Texas resident states 24%; National publicly describes its provider fee as up to 25% of enrolled debt. Your own signed Texas agreement determines your actual fee.

What is the key price difference to check?

Confirm the provider performance fee, the denominator used to calculate it, and separate account charges. A 15% performance fee is 37.5% to 40% below a 24% to 25% fee on the same balance.

 

References

1. National Debt Relief published fee and options (nationaldebtrelief.com, checked September 25, 2026)
2. Pacific Debt Relief Texas fee disclosure (pacificdebt.com, checked September 25, 2026)
3. Pacific program eligibility (pacificdebt.com, checked September 25, 2026)
4. Debt Redemption fee and Texas options
5. Texas Finance Code section 394.210
6. Texas OCCC fee-structure advisory
7. FTC debt relief fee timing guidance
8. CFPB debt relief risks and alternatives

 

Debt settlement can harm credit, increase balances with interest and late charges, and lead to collections or lawsuits. Creditors may reject offers; results and timing vary. Forgiven debt may have tax consequences. Debt Redemption is not a law firm, lender, or bankruptcy adviser. Company names are trademarks of their respective owners; no affiliation or endorsement is implied.

Disclaimer: Debt Redemption does not guarantee any specific settlement, savings, payment amount, timeline, or credit outcome. Anytime you do not make at least the minimum payments, whether enrolled in our program or not, it will have an adverse effect on your credit rating. Accounts may become delinquent, and collection activity or lawsuits may continue during the program. Debt Redemption is not a law firm and does not provide legal or tax advice. Forgiven debt may be considered taxable income; consult a tax professional. Program available to Texas residents only.