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Accredited Debt Relief
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Accredited Debt Relief

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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
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    • 1 stars

    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

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    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 ...

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    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...

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    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

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    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?
    • 3,300,783 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 - 5
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 4, 2021

    ADR has been the best customer service I’ve ever received. I had the pleasure of speaking with Sean **. He was willing to listen to the situation and said we’d find the best options suited for my personal needs. He was kind, sympathetic, and very knowledgeable. Unlike many companies, I did not feel like he was reading a script or a set of questions and answers. ADR clearly trains their customer service representatives to hold genuine conversations and and see their customers as real people instead of just a credit report.

    Accredited Debt Relief response

    Hi Mary Ann,

    Thank you for your wonderful review about your experience with Sean! We take pride in providing excellent service and we are glad you had a positive experience with us. Thank you for sharing.

    Thanks,

    Support Team at Accredited Debt Relief

    Be the first one to find this review helpful

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      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: July 1, 2021

      When I applied for a quote, I received a phone call within 5 minutes from Jeff **. He helped us though the entire process and made it easy and understandable. My husband and I are excited to get debt put behind us and believe this is going to be very beneficial in helping the process.

      Accredited Debt Relief response

      Hi Jessyka,

      We are very happy to hear about your positive experience. 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
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 15, 2021

      I had a horrible experience with a local legal company trying to clear out my debt. The company took my money and filed for bankruptcy 6 months in. I was stuck with a horrible credit score. Over the limit and past due Credit cards. I googled best debt relief companies and this one popped up! Upon speaking with Erin I felt immediate relief! She was so personable and polite. I look forward to working with you guys and having financial freedoms finally!

      Accredited Debt Relief response

      Hi Melanie,

      We’re happy that you had such a great experience with Erin. We put a lot of work into advocating for our clients so we’ll be sure to pass your kind words on to her. Thanks for choosing Accredited Debt Relief!

      Thanks,

      Support Team at Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 4, 2021

      I am so grateful to have found this company. I have a plan that I can afford to pay off my credit card debt. I especially want to thank Ashley ** for her help! She and this company get my highest recommendation.

      Accredited Debt Relief response

      Hi Frances,

      We are very pleased to hear about your positive experience with our company and look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

      Thanks,

      Support Team at Accredited Debt Relief

      Be the first one to find this review helpful
      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
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: July 16, 2021

      Was handled extremely professional. Was explained every step, the pros of using your company. Assured me I would not experience the horrible service I did with Freedom Debt. Walked me through each step of the contract and explained each category.

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 17, 2021

      I was very happy with the help they provided me in setting up a program to get out of debt. They are very friendly and treated me with respect. I would recommend them to anyone looking for help. Thanks again.

      Accredited Debt Relief response

      Hi Sherri,

      Thank you so much for taking the time to leave us this amazing review. We look forward to your success in the program.

      Thanks,

      Support Team at Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: June 6, 2021

      I told Christ twice I wanted to hang up and look over the contract and would call him back. He somehow pushed me into signing when I really didn’t know for sure how I felt yet, saying it would be ***EASY*** to cancel, but after hanging up and reading the docs, they say I HAVE TO WRITE IN and I WILL LOSE MY FIRST AND POSSIBLY SECOND PAYMENT if they don’t stop or cancel the draft immediately. HE DID NOT EXPLAIN THAT I COULD LOSE MY PAYMENT which is essentially lying. I did not understand what I was signing and want to cancel. I called and left a message Friday letting Chris know I wanted to cancel, and he did not call me back on Saturday. I DID NOT FULLY UNDERSTAND WHAT I WAS SIGNING, AND I WISH TO CANCEL MY ACCOUNT. Am very VERY frustrated with the way I was treated.

      Accredited Debt Relief response

      Hi Amy,

      We appreciate you sharing this. This is definitely not a typical occurrence and we are sorry that we have missed the mark in your experience with us. Our program’s Money Back Guarantee does entitle you to the return of any money you accumulated towards potential settlements less any fees earned by us.

      We’re also very sorry to hear that our program was not the right fit for you. We have looked into your account and have seen you were able to leave the program. We are sad to see you go and wish you the best of luck.

      Thanks,

      Support Team at Accredited Debt Relief

      Be the first one to find this review helpful
      Rated with 5 stars
      Verified Reviewer Verified Buyer
      Original review: June 4, 2021

      I want to thank you for everything. The entire process was very easy. But more so the people. I got great customer service. Please give kudos to Anton, he was so helpful. I appreciate great customer service. Not to mention how this will change my life!

      Accredited Debt Relief response

      Hi Joyce,

      Thank you for your feedback as we strive to provide excellence to all of our clients. Thanks for choosing Accredited Debt Relief!

      Thanks,

      Support Team at Accredited Debt Relief

      Be the first one to find this review helpful
      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
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