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Accredited Debt Relief Reviews

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About Accredited Debt Relief

Accredited Debt Relief has delivered custom financial solutions to individuals across the U.S. since 2011. It matches clients with personalized debt consolidation options to help them regain control of their finances.

Pros
  • Accredited with BBB, AFCC, IAPDA
  • Various debt consolidation options
  • Free consultation
  • Experienced Consolidation Specialists
Cons
  • Must have debts of $10,000+
  • Coverage limited to 35 states

Helpful Reviews

Toledo, OH
Verified purchase
Accredited was an unexpected discovery, but I feel it is the right path to take as I begin my retirement. Although it has been a bit overwhelming, I expect the process to go smoothly.

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Chester, VA
Verified purchase
I was unsure about the process of Debt Relief but David ** explained everything in detail and put my mind at ease. I believe I’ve made the right decision and feel I’m in good hand...

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What is Accredited Debt Relief?

Accredited Debt Relief offers debt consolidation options to customers who have accumulated substantial debt. It operates in 30 states and Washington, D.C., and employs a team of professional consolidation specialists to act as an intermediary between you and your creditors. The company offers debt consolidation options through affiliated lenders.

Accredited Debt Relief is an accredited member of the Better Business Bureau (BBB). It is also accredited by the American Association for Debt Resolution (AADR).

How does Accredited Debt Relief work?

Here’s how you can enroll in Accredited Debt Relief’s debt consolidation program:

  1. Sign up for a free consultation.
  2. Accredited Debt Relief reviews your financial situation and gives advice on the best program for you.
  3. After you take out a debt consolidation loan that pays off your creditors, you make monthly payments that can be more than 40% lower than what you were paying before. It can take as little as 24 to 48 months to be debt-free.

Accredited Debt Relief services

Accredited Debt Relief offers debt consolidation loan services that help customers combine multiple debt payments into a single monthly payment. It works with affiliates that offer loans ranging from $1,000 to $100,000. You can take out a debt consolidation loan to pay off credit card debt, personal loan debt or medical debt.

Accredited Debt Relief cost

Accredited Debt Relief does not charge upfront fees. The cost of the loan depends on the loan terms you get from one of its affiliate lenders.

According to Accredited Debt Relief, at the time of publishing, annual percentage rates (APRs) on the debt consolidation loans it helps arrange are from 4.9% to 35.99% at the time of publishing. There is also an origination fee that ranges from 1% to 6% of the financed amount.

Accredited Debt Relief FAQ

What is debt consolidation?

Debt consolidation is the process of consolidating all your financial obligations or debts into one monthly payment. You can do this by taking out a debt consolidation loan, which you use to pay off multiple creditors. A debt consolidation loan allows you to:

  • Free yourself from dealing with multiple creditors
  • Lower your interest rates
  • Reduce your monthly payment
  • Streamline the paying process with just one monthly payment
  • Avoid delinquencies
How does Accredited Debt Relief affect your credit?

Taking out a debt consolidation loan can have both negative and positive effects on your credit. The lender will do a hard inquiry on your credit, which lowers your credit score. Once you sign for the loan, you add a new account to your credit file, which also drops your credit score. However, if you are paying off a credit card with the loan, it lowers your credit utilization, which increases your credit score. Over time, you can also raise your credit score by making on-time payments on the loan.

Is Accredited Debt Relief legit?

Yes, Accredited Debt Relief is a legit company. Accredited Debt Relief is one of the most trusted debt consolidation companies. We highly recommend this company for clients who are good candidates for debt consolidation as a debt relief strategy. It treats debt consolidation with a personal approach by assigning a dedicated representative to guide you through the process.

How do customers feel about Accredited Debt Relief’s staff?

The majority of Accredited Debt Relief reviewers that mention staff are pleased, like Mike from Sacramento, California. “(My rep) was very understanding and helpful. Took the time to explain everything and compare different approaches,” he said. “(She) continues to be there for me even after I had already signed up.”

Reviewers told us that staff members were kind, encouraging and sensitive to their financial situations.

How do customers feel about Accredited Debt Relief’s process?

The majority of recent reviewers were happy or satisfied with how the company handles the debt consolidation program, from enrollment to graduation.

Reviewers described a smooth sign-up experience that made it easy to get started. Many appreciated how they were kept informed of their options and progress throughout. Some cited Accredited Debt Relief’s financial counseling as a particularly beneficial part of the process.

How do customers feel about Accredited Debt Relief’s customer service?

Reviews frequently reported that company reps responded promptly to requests and offered clear, comprehensive explanations about program details.

Ultimately, more than 99% of recent reviewers who mentioned customer service were happy or satisfied.

How do customers feel about Accredited Debt Relief’s transparency?

Of recent Accredited Debt Relief reviewers who talked about transparency, 100% were satisfied or happy.

“Easy to work with, helpful, took the time to answer any questions I had and if the answer was not at their fingertips, they were transparent and took the time to find out with me,” said Hector from Phoenix, Arizona.

Still have questions?

Accredited Debt Relief Reviews

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    How do I know I can trust these reviews about Accredited Debt Relief?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceContract & TermsCoveragePunctuality & SpeedStaffBillingTransparencyHonesty & Transparency

    Reviewed May 3, 2026

    Ethan was very professional. He asked all the questions about my debt and then my plan afterwards. I said I want to buy my first home! He said that was wonderful and that he was previously a mortgage broker so that lowering my debt and working on my credit score were 2 good things to change. He went thoroughly through my monthly expenses and we made an estimate monthly budget to determine what repayment arrangement would be best for me and not send me further in debt or late payments. After that he submitted my stuff to underwriting and then explained the difference between my two options and which one was best for me. I’m set up with a 2 year plan but am still able to pay more in to my account if I wanted to.

    Built into my payment to the debtors is a fee for a lawyer and they are amazing too. If anything were to happen and I needed a lawyer I already have one! I was given her name and person phone number and she called and went over everything again. This company is 100% transparent and did not say anything that was misleading or inaccurate.

    Thanks for your vote!
    Accredited Debt Relief
    Response from Accredited Debt Relief
    Hi Hannah,
    Thank you for sharing your positive experience! We're delighted to hear that Ethan provided you with professional guidance and helped you create a personalized plan for your financial future. It's wonderful to know that you feel well-supported.
    We appreciate your feedback and look forward to continuing to assist you on your journey to becoming debt-free!

    — Support Team at Accredited Debt Relief

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      Verified purchase
      StaffTimeliness

      Reviewed April 27, 2026

      What can I say? Your team is AWESOME! For some time now, my debt has been weighing on me. I didn't know what to do, how to start, and pretty much put my debt on the back shelf. Sunday morning I decided to start looking at my options. Doing a Google search, Accredited Debt Relief was the first result. Plugged my numbers in, and was almost afraid to see the results. The website said that a representative would contact me shortly. That can't be good, right? Within minutes, I was talking to Randi **. What a wonderful person. Polite, cheery. I was not expecting empathy. She put my fears and anxiety to rest. Within an hour she not only made me feel hope for my situation, she had a plan. Even though this is only day two of this journey, I can not thank Accredited, and Randi in particular enough.

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hi Andrew,
      Thank you for your wonderful feedback! We're excited to hear about your positive experience with our team, especially with Randi. It's great to know that she was able to ease your concerns and provide you with a plan to tackle your debt.
      At Accredited Debt Relief, we’re dedicated to helping our clients start their journey toward financial freedom. We're here to support you every step of the way!

      — Support Team at Accredited Debt Relief

      Verified purchase
      Customer ServicePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingLoan ProcessRatesTransparency

      Reviewed April 16, 2026

      I was so impressed with the thoroughness in explanation of the program, its benefits, what it could do for my financial freedom and how it could help me save money from all of my high interest credit cards and loans. I was literally drowning in debt, living from paycheck to paycheck and in a revolving hamster-wheel of debt using credit cards to pay off other debts and everything just snowballed on me. After 2 divorces, 2 major medical surgeries, emergency dental work, having to make major repairs to my sole vehicle, having to take a leave of absence from work to care for my dying parent, I was just in a pit of despair and hopelessness and couldn't catch a break from LIFE.

      I made a call out of desperation and spoke with Olivia from Beyond Finance. She listened to my needs, understood my desperation, and came up with a plan that put me at ease and allowed me to see the light at the end of the tunnel. She got me approved for a plan that will allow me to pay back my debt, improve my credit, get me back on track and for the first time in years I was able to sleep without tossing and turning in stress wondering how I was going to make it to my next pay period. I was so overcome with joy and relief and I could not thank Olivia enough for the burden she helped me lift off of my shoulders. I have no idea why I waited so long to take these steps because Olivia made the process so effortless.

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hi Regina,
      Thank you for sharing your experience with us! We're excited to hear that Olivia provided you with the support and clarity you needed during such a challenging time. It’s wonderful to know that your personalized plan is helping you regain control over your finances and find peace of mind.
      Our team at Accredited Debt Relief is here to guide you every step of the way as you work toward your financial goals.

      — Accredited Debt Relief

      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedStaffBillingLoan Process

      Reviewed April 14, 2026

      I started my day wanting to try for some resolution to my almost drowning in debt. I attempted loans and none were approved. I had a few consultations that seemed too good to be true and wanted payments up front, which I clearly did not want. Three hours later I had the initial web consultation and information with ADR. I missed a call from them due to spam and then I called back and was routed to their service representative Brendan **. Brendan was amazing to talk with about my situation. Not only did Brendan make me feel comfortable but he also had the knowledge to make the process so much easier to understand. He explained the process of debt resolution, what was required of me, what the company provided and the entire picture from start to finish in easy to understand verbiage all while talking to me like a friend and laughing at my silly jokes. I truly appreciate the knowledge and information provided during my consultation.

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hello Patricia,
      Thank you for sharing your wonderful experience with our team at Accredited Debt Relief! We're excited to know that Brendan made you feel comfortable and provided clear guidance throughout your consultation. Your appreciation for his approach and knowledge means a lot to us.

      — Accredited Debt Relief

      Verified purchase
      Customer ServiceStaffRatesHonesty & Transparency

      Reviewed March 11, 2026

      Exceptional Service from Tammie ** at Accredited Debt Relief. Working with Tammie Jones at Accredited Debt Relief was one of the most positive and professional customer service experiences I’ve ever had. From the moment our conversation began, she demonstrated expert knowledge, genuine compassion, and top‑tier professionalism. If you’re searching for trusted, reputable, and highly rated debt relief support, Tammie is the person you want guiding you. She made a typically stressful topic feel comfortable, safe, and judgment‑free. Tammie took the time to explain every detail clearly, answered all my questions with patience, and treated me with respect, dignity, and integrity throughout the entire process. Her communication style is warm, reassuring, and incredibly thorough — the perfect balance of expertise and empathy.

      What truly sets her apart is her ability to make you feel heard, valued, and supported, not just like another case number. She listens deeply, offers thoughtful solutions, and ensures you walk away feeling confident and empowered about your financial future. If you’re looking for reliable debt relief services, or simply want to speak with someone who will treat you with honesty and care, I highly recommend connecting with Tammie Jones. She is a shining example of what outstanding customer service should look like, and Accredited Debt Relief is fortunate to have her on their team. This was a five‑star experience in every way!

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hi Charlitte,
      Thank you for your thoughtful acknowledgment of Tammie's exceptional service! Your kind words about her professionalism and compassion truly reflect our commitment to outstanding client care at Accredited Debt Relief.

      — Client Success

      Verified purchase
      Staff

      Reviewed June 2, 2026

      Nicholas was absolutely fantastic and so very helpful and knowledgeable. Very patient with my questions and answered them all with details and information I needed. My husband and I are thankful we are able to work with Nicholas and this program. Thank you!

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      Verified purchase
      Staff

      Reviewed June 2, 2026

      Tara is very nice and she helps me a lot. My is not good but she tried to explain to me and get me some time. Thank you. I will recommend to my friend. Thank you so much. I have good experience here.

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      Verified purchase
      Staff

      Reviewed June 2, 2026

      They were very helpful in explaining my income and expense shortfalls and coming up with a solution which benefit me. All personnel I spoke to were very clear as to the best steps for me, which made me feel comfortable continuing to go with them.

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      Verified purchase
      Staff

      Reviewed June 1, 2026

      I’m very pleased with the ease of the process. I was guided through the each step. My consultant made me feel as if I’m not the only one experiencing financial hardship. He was very reassuring and kind.

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      Verified purchase
      Customer ServiceStaff

      Reviewed May 29, 2026

      Randi was so kind and so understanding and assured me that I had nothing to be ashamed of. She worked extensively with me to get all the necessary information. I got a dozen emails with an onboarding video and then an onboarding phone call with my lawyer. I'm very pleased with the care I'm being given. I highly recommend them because I really think they're going to help me. My journey is only just beginning but I'm very pleased I made the decision to contact them.

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      Accredited Debt Relief Company Information

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      Website:
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