- Debt minimum
- Repayment term
- 24 - 48 months
- 15% - 25% of enrolled debt
Accredited Debt Relief, a DBA of Beyond Finance, LLC, operates in 31 states plus Washington, D.C. It works with clients who have over $10,000 of unsecured debts, like credit card debts, medical bills, some personal loans and payday loans; it cannot help with car loans, mortgages or student loan debt.
To enroll in the program, you’ll need at least $10,000 of debt, and the company states the average client can reduce their debt load to 55%. While the company does not charge money upfront, expect to pay between 15% to 25% of your debt balances at the time of enrollment, depending on your location. This is similar to many of its competitors.
Accredited Debt Relief says that the program can be canceled at any time without penalty and has a money-back guarantee. However, the company’s website is not transparent about how to cancel and if there are any exclusions to this guarantee.
While Accredited Debt Relief does not offer 24/7 customer service, clients can contact a representative seven days a week by either phone or email. The company is also transparent about its terms of services, allowing prospective clients to read them online prior to enrolling, and there is an extensive FAQ page.
It’s a member of the AFCC and has high customer service ratings on several user-reviewed sites.
Some of the pros of using Accredited Debt Relief include:
- No upfront fees and a money-back guarantee
- Free consultation
- Weekend customer service hours
Before enrolling with Accredited Debt Relief, make sure to consider:
- Only available in 31 states
- Fees as high as 25%
- Not available for all types of debts
Many ConsumerAffairs readers who enrolled with Accredited Debt Relief rated it highly because they felt heard by the consolidation specialist. “Unlike many companies, I did not feel like (the consolidation specialist) was reading a script or a set of questions and answers. ADR clearly trains their customer service representatives to hold genuine conversations and see their customers as real people instead of just a credit report,” one customer from Alabama said.
The most recent complaints include the difficulties around canceling the program, with clients reporting they did not receive responses to their cancellation requests.