Accredited Debt Relief

Get Started

  1. Home
  2. Finance
  3. Debt Settlement
Accredited Debt Relief
AUTHORIZED PARTNER

Accredited Debt Relief

 4.8/5 (520 ratings)
  • 5 stars
    452
  • 4 stars
    38
  • 3 stars
    13
  • 2 stars
    5
  • 1 stars
    12
Saved
Accredited Debt Relief

About Accredited Debt Relief

Accredited Debt Relief has delivered custom financial solutions to individuals across the U.S. since 2011. We match our clients with personalized programs to reduce their unsecured debt and regain control of their finances.

    Overall Satisfaction Rating

    • 5 stars
      452
    • 4 stars
      38
    • 3 stars
      13
    • 2 stars
      5
    • 1 stars
      12

    Pros

    • Accredited with BBB, AFCC, IAPDA
    • Various debt relief options
    • Free consultation
    • Experienced negotiators

    Cons

    • Must have debts of $10,000+
    • Coverage limited to 32 states

    Bottom Line

    Accredited Debt Relief has debt settlement services for amounts over $10,000, plus other debt-relief options. They only service 32 states, but for those who are eligible, the company’s services can provide good financial help.

    Top Accredited Debt Relief Reviews

    How do I know I can trust these reviews about Accredited Debt Relief?
    • 3,148,596 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Rated with 5 stars
    Verified

    Accredited Debt Relief was helpful and understanding … My consultant was extremely friendly and explained everything very well … After reviewing everything I was informed about I ...

    Read full review
    Rated with 5 stars
    Verified

    Reagan was professional and helpful. She fully explained how the debt relief program worked, looked at my financial situation, and gave me clear precise options on how to handle m...

    Read full review

    What is Accredited Debt Relief?

    Accredited Debt Relief is a company offering relief programs to customers who have accumulated substantial debt. It operates in 32 states and employs a team of professional debt negotiators to act as an intermediary between you and your creditors. The company offers debt relief options like debt consolidation, debt management, debt settlement and bankruptcy.

    Accredited Debt Relief is an accredited member of the American Fair Credit Council (AFCC), a leading association of professional consumer credit advocates. It is also accredited with the International Association of Personal Debt Arbitrators (IAPDA) and the San Diego Regional Chamber of Commerce.

    How does Accredited Debt Relief work?

    Accredited Debt Relief has a minimum debt requirement of $10,000. It cannot guarantee to settle a specific amount for each client because every case is different, and there are many factors in settling a debt.

    If you withdraw from your debt settlement program, Accredited Debt Relief guarantees that you’ll be able to get back the remaining balance in your bank account that was opened specifically for your debt settlement.

    Here’s how you can enroll in the company’s debt relief programs:

    1. Sign up for a free consultation session.
    2. You will be assigned a dedicated representative as your point of contact.
    3. Sign up with the specific program that meets your requirements.
    4. Negotiations start within one to two weeks after signing up.
    5. Open a new bank account where Accredited will draw funds for your monthly payments. 
    6. The first settlement will be made within three to five months of the program.
    7. If you think you’re going to miss a monthly payment, inform your Accredited representative five days in advance so he/she can work out other arrangements. Missing payments may delay your program.
    8. Continue funding your bank account. This is key to settling your debts on time.

    Accredited Debt Relief services

    Piling credit card and personal loans can lead to stress; however, getting rid of them can be even more challenging. Accredited offers the following debt relief services that help customers settle their debt with a budget they can afford and timeline they can follow.

    Debt Settlement
    Debt settlement is a program available to borrowers with a legitimate financial hardship. These are debtors who cannot continue to pay their debts under the original terms. Only unsecured loans, like credit card debt, are allowed for debt settlement. Accredited can help you negotiate for a lump sum payment, which is a lower amount than your loan balance. While the Accredited agent is negotiating, you’ll need to open a savings account where you’ll make regular deposits to build up the needed amount. Not all creditors will agree to debt settlement, but you can also explore a debt consolidation or debt management option.
    Debt Consolidation
    If you’re struggling to pay the minimum payments on your credit card debt, personal loans, student loans and medical expenses, consolidating all your obligations into one monthly payment is an option. Debt consolidation allows you to:
    • Free yourself of dealing with multiple creditors
    • Reduce your monthly payment
    • Lower your interest rates
    • Streamline the paying process with just one monthly payment
    • Avoid delinquencies
    The common ways of consolidating your debt are:
    • Taking out a new loan to pay off all your existing obligation - The downside of this type of debt consolidation is that you may not be able to reduce your interest rate. You may also compromise your home if you get a home equity loan.
    • Debt consolidation program - A debt relief company works out an arrangement with your creditors for a possible reduction of interest and waiving of outstanding fees. You’ll then make one consolidated payment each month to your chosen debt relief company, which will distribute payments to your creditors as they are due.
    Debt Management
    A typical debt management plan does not involve a loan. It is part of a debt consolidation plan that can get you out of your loans faster, reduce interest rates and eliminate or minimize creditor calls. Accredited Debt Relief will review your financial situation, negotiate with your creditors and try to come up with a single monthly payment amount and schedule after deducting basic living costs like utilities, rent, mortgage and secured loans.
    Bankruptcy
    For people buried in debt, bankruptcy is a tempting solution as a last resort. It allows them to stop all collections and prevent wage garnishment, foreclosure, repossession and legal action. You may file for bankruptcy in one of two ways:
    • Chapter 7 bankruptcy -You may qualify for this process if you’re unable to pay a minimum monthly payment and you’re earning below the average income for your state. Allowable debts for discharge include credit card debt, personal loans, medical bills, tax debt, garnishments and car accident judgments. Ineligible debts include child support and most student loans and tax debts. You’ll be compelled to liquidate all your non-exempt assets to help pay your creditors. Assets not included are your primary residence, work equipment tools and vehicles, and certain personal items.
    • Chapter 13 bankruptcy - This is a better bankruptcy option if you’re earning more than the average income for your state. It involves restructuring your debts for a more affordable payment arrangement, but your debts are not totally discharged. Monthly payments are made to a court-appointed trustee, and the payment term may run for three to five years.
    Keep in mind that bankruptcy does affect your credit score from a good score to a fair or poor one.

    Accredited Debt Relief FAQ

    How much does Accredited Debt Relief cost?
    Accredited Debt Relief does not charge upfront fees. Fees are typically between 15 and 25 percent of the total debt enrolled. The company spreads out its fees over the life of the debt settlement program. It’s important to note that every case is different, and savings are not guaranteed. Results vary depending on the details of the case and other factors outside the control of Accredited Debt Relief. Clients who consistently make deposits to their bank account pay around 50 percent of their total enrolled debt without the fees. With the fees, they pay around 68 to 75 percent of their enrolled debt. For example, if you enroll a $20,000 debt, Accredited could negotiate that down to $10,000. You can expect a 20 percent fee of $4,000 spread out over the life of the settlement program. A 2-year term would charge you $2,000/year, while a 4-year term would charge you $1,000/year on the average.
    How does Accredited Debt Relief affect your credit?
    To the credit bureaus, enrolling in a debt relief program means you’re having a hard time managing your debt on your own. This can lower your credit score, limiting your access to new credit and lower interest rates. Debt relief programs start with three to five months of negotiations by the debt relief company with your creditors. This means several months of missed payments, which can cause the credit bureaus to lower your credit score further. While debt relief programs bring down your credit, it is a better alternative to bankruptcy — which stays on your credit records for at least ten years. Lenders will also appreciate your effort for doing your best to repay your debts. When you start paying according to the negotiated settlement, your credit score will gradually improve over time.

    Do we recommend Accredited Debt Relief?

    Accredited Debt Relief is one of the most trusted debt settlement companies. It treats debt settlement with a personal approach by assigning a dedicated representative to guide you through the entire process. We highly recommend this company for clients who want to settle unsecured debt, avoid bankruptcy and start a clean credit slate.

    Accredited Debt Relief Reviews

    Sort: Recent
    Filter by: Any

    A link has directed you to this review. Its location on this page may change next time you visit.

    2 featured reviews
    How do I know I can trust these reviews about Accredited Debt Relief?
    How do I know I can trust these reviews about Accredited Debt Relief?
    • 3,148,596 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    For more information about reviews on ConsumerAffairs.com please visit our FAQ.

    Page 1 Reviews 0 - 10
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 26, 2020

    It Is never a pleasant experience when going through something like this. But Jessica was understanding and patient when going through the many details that come with the program, making sure my understanding was clear. Unlike other companies that just push you through the system, I feel more confident and aware of what I am getting into!

    Accredited Debt Relief response

    Hi Eric,

    We are very happy to hear about your positive experience with Jessica. We look forward to helping you reach your goal of resolving your debt. Thanks for choosing Accredited Debt Relief!

    Thanks,

    Support Team at Accredited Debt Relief

    Be the first one to find this review helpful

    Not sure how to choose?

    Get buying tips about Debt Settlement delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Rated with 1 star
      Verified Reviewer
      Original review: May 7, 2020

      I was told They could drop my debt of $24320 to $18145. After 6 months of being on their 36 month payment program they eliminated one of my credit cards debt of $3000. Long story short after finishing the program I have collection companies calling my phone telling me I owe for the rest of my debt that was apparently dealt with already by Accredited Debt Relief...

      Accredited Debt Relief response

      Hi Adela,

      Thank you for providing this feedback. In order to better understand your situation, we will be reaching out to you soon, or if you prefer, please call us at 800-497-1965.

      Thanks,

      Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 9, 2020

      I had a very good experience with encounter. I was informed of all my options. Everything was explained to me in a manner I understood. The process was thorough and explained every bit so I would be able to understand.

      Accredited Debt Relief response

      Hi Bryan,

      Thanks for the positive rating and for taking the time to provide us with a review about your experience. We look forward to helping you resolve your debt!

      Thanks,

      Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 9, 2020

      I work with Matthew **. He was very professional, personable and knowledgeable. I wasn't really interested in the debt consolidation idea at first, but after Matt explained options and how it worked, it sound like the best option for me after all. Matt work with underwriting to help find a Best solution for me with a monthly payment I could afford, less than what I am now paying. Frankly I feel really relieved of the burden I have been struggling with-all the high interest rates. Thank you Matt for all your help.

      Accredited Debt Relief response

      Hi Jennifer,

      We’re happy that you had such a great experience with Matthew and we look forward to helping you with your debt!

      Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: April 2, 2020

      It was a pleasure speaking with Justin who took the time to explain the steps needed to start the debt resolution process. I have been struggling for months with card payments, realizing that the rates kept climbing on my balances. Having been laid off due to the pandemic made me face the inevitable that I needed help. I'm looking forward to good working relationship with this company.

      Accredited Debt Relief response

      Hi Maria,

      Thanks for leaving us such a wonderful review! We love hearing our customers’ success stories and are thrilled to know that you’ve achieved such an important financial goal. We’re also happy that you had such a great experience with Justin and that he took the time to explain the program to you. We look forward to working with you as well!

      Thanks,

      Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 30, 2020

      Working with Kimberly was very pleasant. The whole team was quick, professional and very nice. When going through something like this you expect to be talked down to and have an extreme feeling of shame. I did not experience this at all with the team, they walked me through many options and adapted to what I needed to make it through difficult times.

      Accredited Debt Relief response

      Hi Alec,

      Thanks for leaving us such a glowing review! We love hearing our customers’ success stories, and are thrilled to know that you’ve achieved such an important financial goal.

      We’re happy that you had such a great experience with Kim. We put a lot of work into helping our customers move toward a brighter financial future, so we’ll be sure to pass your kind words off to him. Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 26, 2020

      BRIAN ** GREAT WORK. As for this man he's really riding high with direct movement to detail helping customers decide that life is a wonderful feeling that their worries down a long hard road have just come to end and now it's all in their hands, as it's worth waking up each day being on cloud-9 you're on the ball w/ every moment helping people see the light brighter each day.

      Accredited Debt Relief response

      Hi Dennis,

      Thanks for leaving us such a glowing review! We love hearing our customers’ success stories, and are thrilled to know that you’ve achieved such an important financial goal.

      We’re happy that you had such a great experience with Brian. We put a lot of work into helping our customers move toward a brighter financial future, so we’ll be sure to pass your kind words off to him. Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 24, 2020

      I signed up with Accredited Debt Relief. Very efficient and proficient personnel that signed me up and welcome office. Kimberly ** is very professional and knowledgeable. Her pleasant attitude and patience was remarkable. If there was a rating above 10 I would give her an 11. Very responsive to all my concerns and answered everything that I was concerned about. The lady Ashley in the welcoming office was also extremely kind. Great team to deal with. Ian **.

      Accredited Debt Relief response

      Welcome to the program, Ian!

      Thanks for leaving us such a glowing review! We love hearing our customers’ success stories, and are thrilled to know that you’ve achieved such an important financial goal.

      We’re happy that you had such a great experience with Kimberly and Ashley. We put a lot of work into helping our customers move toward a brighter financial future, so we’ll be sure to pass your kind words off to them. Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 20, 2020

      When working with Timothy ** for a debt relief program, I found him to be knowledgeable, informative, patient, thorough, trustworthy, and friendly. Tim was always willing to answer any questions I had, or stop for interruptions when I was a bit confused. Overall, I highly commend him for the way in which he explained and met my needs!

      Accredited Debt Relief response

      Hi Rhonda,

      Thanks for leaving us such a glowing review! We love hearing our customers’ success stories, and are thrilled to know that you’ve achieved such an important financial goal.

      We’re happy that you had such a great experience with Timothy. We put a lot of work into helping our customers move toward a brighter financial future, so we’ll be sure to pass your kind words off to him. Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: March 18, 2020

      Justin was very informed and helpful in getting this process started and thru the whole sign-up and finalization of the process. I think that this debt consolidation program will be very helpful in clearing up my high interest credit card problem. Thank you.

      Accredited Debt Relief response

      Hi Gary,

      Thanks for leaving us such a glowing review! We love hearing our customers’ success stories, and are thrilled to know that you’ve achieved such an important financial goal.

      We’re happy that you had such a great experience with Justin. We put a lot of work into helping our customers move toward a brighter financial future, so we’ll be sure to pass your kind words off to him. Thanks for choosing Accredited Debt Relief!

      Be the first one to find this review helpful
      Loading more reviews...

      Accredited Debt Relief Company Information

      Social media:
      Company Name:
      Accredited Debt Relief
      Website:
      www.accrediteddebtrelief.com

      Media

      AWARDS & CREDENTIALS 
      American Fair Credit Council
      eLegitimate
      Top 10 Debt Consolidation
      #1 Debt Company
      #1 User Score
      Consumers Advocate
      Top 10 Reviews