American Debt Relief Reviews

American Debt Relief is a company that offers debt relief services through debt settlement. This means the company will negotiate with your creditors on your behalf to reduce your debts. In exchange for its services, American Debt Relief charges a fee if the settlement is successful.

The company does not offer debt settlement services in all states, but specific states are not listed. It only specifies that it does not operate in New Jersey on its website.

The debt settlement process with American Debt Relief typically looks like this:

1. First, you’ll set up a free consultation by calling the company or filling out an online form. You’ll need to provide your contact information and current credit card balance. A certified debt specialist will discuss your financial situation and goals with you.
2. Once you’ve agreed to work with American Debt Relief, you’ll begin making monthly deposits into a savings account that’s insured by the Federal Deposit Insurance Corporation (FDIC). These payments will likely be lower than your minimum payments to your creditors.
3. American Debt Relief will then negotiate with your creditors to reach a settlement. This typically takes several months, and you’ll need to establish hardship, which means you will either need to be behind in your bills or be willing to stop paying toward your debts. This is the standard process of most debt settlement companies.
4. The money accrued in your savings account will be used to settle your debt and pay any fees once you have enough saved. Note that you retain control of the account, and American Debt Relief will not be able to pull from your account or settle a debt until you approve it.

During the process, you’ll have access to an online dashboard, which you can access 24/7 and use to manage the accounts you want to settle, monitor your deposits, review settlement offers and upload any documentation from creditors.

Debt settlement typically takes two years or longer, and the speed of the process depends on how much debt you want to settle and how much you can pay monthly toward your debt payoff. American Debt Relief says its average client can usually pay off their debt in 25 to 48 months.

American Debt Relief can only settle unsecured credit card debt. Secured debt, such as mortgages, auto loans and home equity loans, is not eligible for American Debt Relief’s services.

American Debt Relief does not offer debt consolidation loans or credit counseling services. It also does not provide any legal support if a creditor decides to sue you for nonpayment.

American Debt Relief does not publish its fees online. However, it states that it charges a flat, performance-based fee each time a settlement is reached. American Debt Relief also says that clients who remain in its program for two to four years have an approximate savings of 55% before fees and 30% after fees.

There are no upfront fees, and American Debt Relief will not charge you for any settlements that your creditors offer that it is not involved with.

American Debt Relief is a legitimate debt settlement company and a member of the American Association for Debt Resolution, which means it must follow industry best practices. It has been in business for 16 years and is accredited with the Better Business Bureau as of 2026.

Like all debt settlement companies, American Debt Relief requires you to stop paying creditors, which will impact your credit score and have other financial consequences. Ensure you understand the process before enrolling.