Quick Answer: A TCPA class action was filed against National Debt Relief, LLC on January 13, 2026 in the U.S. District Court, Central District of California. The complaint alleges the company made prerecorded voice calls—including voicemails from someone named “Lauren”—to consumers without consent. This is a legal filing—not a verdict.
Important: A lawsuit filing contains allegations—claims that have not been proven in court. National Debt Relief has not been found liable for any wrongdoing. This article summarizes the complaint for educational purposes.
Case Information
- Court: U.S. District Court, Central District of California
- Plaintiff: Elizabeth Allen (on behalf of all others similarly situated)
- Defendant: National Debt Relief, LLC
The Story Behind This Lawsuit
According to the complaint, Elizabeth Allen received phone calls from National Debt Relief on September 14 and 15, 2025. The calls allegedly came from the phone number (866) 865-0072.
The complaint describes that when Allen did not answer, a voicemail was left with a prerecorded message:
Each weekday I send one short email: one money story that caught my attention, why it might matter to you, and one manageable thing you can do with it. A couple of minutes, and a dad joke.
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“Hi, this is Lauren calling from national debt relief regarding your interest in our program. I am looking forward to chatting about getting out of debt. Please call us back at your earliest convenience at 858-200-1559…”
The complaint alleges the voice sounded “artificial” and that the plaintiff had never provided consent to receive such calls from National Debt Relief.
What the Complaint Alleges
The lawsuit brings one count under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227(b)(1)(A)(iii). Specifically, the complaint alleges:
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- National Debt Relief made prerecorded voice calls to consumers
- The calls were made without prior express consent
- The calls were made to residential telephone lines
- The company allegedly engaged in similar conduct to a class of consumers
The complaint seeks $500 per violation (or $1,500 for willful violations), plus injunctive relief to stop the alleged conduct.
Who Is National Debt Relief?
National Debt Relief, LLC is a debt settlement company headquartered in New York. According to the complaint, they offer debt relief services and promote their programs to consumers.
What This Could Mean for Consumers
The TCPA protects consumers from unwanted robocalls and prerecorded voice messages. Under the law, companies generally cannot make such calls to residential lines without prior express consent from the recipient.
If you believe you have received similar calls from any company without your consent, you may have rights under the TCPA. Consider documenting the calls (dates, times, phone numbers, any voicemails) and consulting with an attorney about your options.
Before You Sign Anything: If you are considering hiring any debt relief company, run their contract through the Contract Decoder first. It is free—and it is your last chance to spot red flags before you commit.
How to Follow This Case
Track this case and read all court filings through PACER:
- Go to pacer.uscourts.gov
- Create a free account (required)
- Search for Case Number:
2:26-cv-00349 - Select Court: Central District of California
PACER charges $0.10/page, but the first $30/quarter is free for most users.
Frequently Asked Questions
What does this lawsuit mean for National Debt Relief customers?
This lawsuit involves allegations about marketing practices (robocalls), not about the debt relief services themselves. Current customers should not expect any immediate impact on their enrolled programs.
Is National Debt Relief a scam?
This lawsuit contains allegations that have not been proven. Whether a company is a “scam” depends on court findings and regulatory actions. Research any debt relief company thoroughly before enrolling.
Can I join this lawsuit?
This is a class action lawsuit. If the case proceeds and a class is certified, individuals who received similar calls may be eligible to participate. An attorney can advise you on your specific situation.
How long will this case take?
Federal lawsuits typically take 1-3 years to resolve. I will update this post as significant developments occur.
Contact National Debt Relief Directly
If you have questions about this lawsuit or are a current customer of National Debt Relief, I encourage you to contact them directly rather than jump to conclusions based on allegations alone:
- Website: nationaldebtrelief.com
A Note to National Debt Relief: I believe in fair coverage. If you would like to provide a statement about this lawsuit for my readers, please contact me. I will add your response to this article so readers can hear your perspective.
TL;DR: National Debt Relief faces a TCPA class action alleging they made prerecorded robocalls—including voicemails from “Lauren”—without consent. This is a complaint filing—allegations, not a verdict. Do not leap to judgment—contact the company directly with questions. Use the Contract Decoder before signing with any debt relief company.
(Source: U.S. District Court, Central District of California)
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