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Accredited Debt Relief Reviews

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Edited by: Ilana Hamilton

About Accredited Debt Relief

Established in 2011, Accredited Debt Relief offers debt relief and debt consolidation options to individuals across the U.S. Its debt relief program works with creditors to reduce eligible monthly payments, while its loan options are offered through affiliates.

Visit www.accrediteddebtrelief.com
Pros
  • ACDR, IAPDA and AFCPE accredited
  • Nationwide availability
  • Free consultations
  • More than 15 years in business
Cons
  • Must have debt of $5,000+
  • Possible temporary credit impact

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 smoot...

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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...

Read more

How Accredited Debt Relief works

Accredited Debt Relief starts with a free consultation to discuss your financial situation and match you with a debt relief or debt consolidation option.

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 debt, income and monthly expenses and provides advice on the best program for you.
  3. If you enroll, Accredited Debt Relief creates a program tailored to your financial situation. The company says its debt consolidation programs typically last 24 to 48 months.

Accredited Debt Relief services

Accredited Debt Relief offers debt relief services for unsecured debts, including credit card, personal loan and medical debt. It does not handle tax debt, child support, alimony, or secured debt such as mortgages and auto loans. Some private student loans may qualify, but most student loans are not eligible for the company’s programs.

If you pursue a debt relief program with Accredited Debt Relief, the company will negotiate with your creditors to lower your monthly payments. You’ll make one monthly payment to Accredited Debt Relief that is held in an account and eventually disbursed to your various creditors. The company states that on average, its clients ultimately end up paying back about 55% of their debt, plus Accredited Debt Relief’s fees.

Accredited Debt Relief also works with affiliates that offer debt consolidation loans ranging from $1,000 to $100,000. This option involves combining your debts under one new loan that is used to pay off your balances with existing creditors. You then make payments on the consolidation loan.

Accredited Debt Relief Accredited Debt Relief cost and fees

For clients pursuing a debt relief program, Accredited Debt Relief says that fees range from 15% to 25% of your total enrolled debt. Fees are success-based and may vary based on the enrolled amount and state. Your monthly payment to Accredited Debt Relief  includes the company’s service fees.

Accredited Debt Relief also works with lending partners that offer debt consolidation loans. APRs on these loans range from 4.9% to 35.99% at the time of publishing. Origination fees range from 1% to 6% of the financed amount, and loan terms range from four to 84 months.

Accredited Debt Relief requirements

To use Accredited Debt Relief’s website and request information, you must be at least 18 years old and a legal resident of the United States.

Accredited Debt Relief requires at least $5,000 in unsecured debt. Eligible debts include credit card debt, personal loan debt and medical debt.

FAQ

Where is Accredited Debt Relief available?

Accredited Debt Relief offers evaluations and debt relief services in all 50 states and Washington, D.C.

How does Accredited Debt Relief affect your credit?

A free consultation from Accredited Debt Relief won’t affect your credit score, but debt relief and debt consolidation options, including loans, can. The impact depends on your current situation and the type of solution you choose.

Are there any types of debt Accredited Debt Relief doesn’t cover?

Accredited Debt Relief doesn’t cover mortgages, home equity loans, auto loans, tax debt, child support, alimony or most student loans.

How long does debt relief take with Accredited Debt Relief?

Accredited Debt Relief says most clients complete the program in 24 to 48 months. The timeline depends on total debt, debt type and monthly deposit amount.

Still have questions?

Is Accredited Debt Relief legit?

Yes, Accredited Debt Relief is a legitimate company. It has been in business since 2011 and evaluates consumers for debt consolidation options in all 50 states and Washington, D.C. Accredited Debt Relief is an accredited member of the Association for Consumer Debt Relief (ACDR). Its debt consolidation specialists are trained and certified by the International Association of Professional Debt Arbitrators (IAPDA) and the Association for Financial Counseling and Planning Education (AFCPE).

Accredited Debt Relief reviews on ConsumerAffairs are overwhelmingly positive, with an overall rating of 4.9 stars at the time of publishing. Reviewers often mention helpful staff, clear explanations and a smooth process. Eileen from Orlando, Florida, said her representative was “dedicated, informative, thoughtful, and excited to help me.” Ashley from Middleburg, Florida, said that the staff “addressed my concerns with professionalism and understanding, ensuring that I felt informed and comfortable with every decision.”

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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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceStaff

    Reviewed July 12, 2026

    I admit to feeling a bit apprehensive, embarrassed over my circumstances, and completely in the dark about approaching a new process, and a possible solution to my financial debt, which is why I have been reluctant and hesitant about exploring a debt relief company before. However, as soon as I was connected to Tonya at Accredited, I began to relax and open myself up to hearing her out. Not only did Tonya not make me feel any shame or regret for finally making such a call, she put me at ease and in a respectful manner helped me to understand that she was there to help and explain fully about what my options could be.

    I truly appreciate her friendly and understanding empathy and all the time she took with me to ensure that I had a good comprehension of what I could decide to do to get assistance. I did not feel pressured or belittled in any way. I believe I have been given adequate information, time, and plenty of contacts upon which to decide to pursue this program, and it seems I will have the support I need to get through it with success.

    Thanks for your vote!
    Accredited Debt Relief
    Response from Accredited Debt Relief
    Hi Eleanor,
    We're so happy to hear that your experience with Tonya at Accredited Debt Relief has been so comforting and informative! Providing a supportive environment is essential to our mission, and your recognition of Tonya's empathy and dedication truly warms our hearts.

    - Support Team at Accredited Debt Relief

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      Customer ServiceStaff

      Reviewed July 9, 2026

      Hello, I had an opportunity to speak with Luke for several hours a few days ago. Although, it was a long time spent on the phone, I truly enjoyed speaking with that young man about my debt situation. He was so nice and pleasant, and knowledgeable, which is why I didn’t realize how long we were on the phone. We went through all of my debt, which was not a cake walk. He made it bearable and made it make sense. I am so relieved that I was able to get that taken care of. It’s been a worry of mine for several months. I feel great knowing my debts will be taking care of and my mind is free. Thank you, Luke for going over everything with me. I appreciate you and I will recommend you to anyone that has been struggling with debt like I have. I wish you continued success on helping others. Thanks again. 😊

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hi Jill,
      We're delighted to hear about your positive experience with Luke! Knowing that he could help make your situation more manageable and bring you peace of mind is incredibly rewarding for our team at Accredited Debt Relief. Thank you for your kind words and for recommending us to others!

      - Accredited Debt Relief

      Verified purchase
      Customer ServiceSales & MarketingStaff

      Reviewed June 16, 2026

      I had a wonderful experience with Accredited Debt Relief. Although I ultimately decided not to move forward with the program and canceled my enrollment, I was incredibly impressed by the level of customer service I received. From the very beginning, everyone I spoke with was kind, patient, and genuinely concerned about my financial well-being. They took the time to listen to my situation, answer all of my questions, and explain my options without ever making me feel pressured.

      What stood out most was how respectful and caring they remained even after I decided to cancel. The representatives treated me with the same professionalism and compassion throughout the entire process. It was clear that they truly cared about helping people and not just making a sale. I am very grateful for the time, support, and understanding they provided. If customer service is important to you, Accredited Debt Relief definitely delivers an exceptional experience.

      Thanks for your vote!
      Accredited Debt Relief
      Response from Accredited Debt Relief
      Hi Lisa,
      Thank you for your kind words! We're excited to hear that you had such a positive experience with our team at Accredited Debt Relief, even in your decision not to move forward. Your recognition of our commitment to genuine care and support means a lot to us.

      — Support Team at Accredited Debt Relief

      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

      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
      Staff

      Reviewed July 21, 2026

      It was so nice to talk to someone who wasn't trying to sell you something or force you into anything. Very professional; patient, friendly and knowledgeable. It was an amazing experience. Explained very thoroughly.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed July 19, 2026

      Very knowledgeable and explained everything in detailed. Made sure you understand the concept and gave examples for your questions. Set appointment to speak with legal at your convenience and then a follow up appointment with him to discuss any issues or concerns that may arise from the discussion with legal.

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      Verified purchase
      Staff

      Reviewed July 19, 2026

      I am beyond overwhelmed with the kindness, generosity and genuine caring Stephanie had and has for me when she set me up. I never expected such generosity of time and care. I haver felt like a burden, a "no count" an embarrassment- and yet I was treated like a valued team member in my "recovery" from debt. It was totally unexpected but immensely appreciated.

      Thanks for your vote!
      Verified purchase
      Punctuality & Speed

      Reviewed July 19, 2026

      Quick and easy. Tazley- my first contact made the task simple and without embarrassment. Do not suffer with financial stress any longer. Having financial breathing room will be awsome. Just answer a few questions and done.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed July 18, 2026

      My experience with Matia ** was absolutely superb!! She was knowledgeable, professional, well prepared and very pleasant to talk with. She is definitely an asset to your company, so don’t lose her!

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      Accredited Debt Relief Company Information

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      Website:
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