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Accredited Debt Relief

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LAST UPDATED: February 22nd, 2024

Accredited Debt Relief, founded in 2011, is a financial services company based in Houston and San Diego. The company specializes in debt consolidation and has serviced over $3 billion in debt. 

Accredited Debt Relief works with a highly experienced team to negotiate with creditors and help customers consolidate debt from credit cards, medical expenses, and unsecured debt payments. Because your finances are unique to you, Accredited Debt Relief offers customizable solutions, such as debt consolidation programs or loans that can help you overcome debt faster. In most cases, you will be debt free in 24 to 48 months through Accredited Debt Relief’s services.

Accredited by the American Association for Debt Resolution (AADR), Accredited Debt Relief meets high industry standards, ensuring that you will receive high-quality service.

View verified Accredited Debt Relief reviews below.

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The Good

  • Personalized Accredited Debt Relief Services
  • Accredited Debt Relief Consolidation Loans
  • Success-Based Fees
  • Free Consultations
  • Multiple Industry Accreditations
  • Positive Accredited Debt Relief Reviews

Personalized Accredited Debt Relief Services

Accredited Debt Relief offers personalized debt relief services to fit your specific financial situation. Whether you’re using one of the company’s debt consolidation programs or would prefer a debt consolidation loan, an Accredited Debt Relief representative will work with you to determine the best options based on your needs. Your assigned company representative will work with you throughout the entire debt consolidation process.

Creditors can be tough to deal with, so an expert on your side can save you a lot of trouble. Whether you have credit card debt, student loans, bad credit loans, payday loans (either online payday loans or normal payday loans), installment loans, or any other type of unsecured loan debt, Accredited Debt Relief will give you the help necessary to develop a repayment plan so that you can climb out of your loan debt.

Accredited Debt Relief Consolidation Loans

Accredited Debt Relief will help you determine the best debt consolidation option for your needs. One such option that the company offers is a debt consolidation loan.

Accredited Debt Relief debt consolidation loans are provided by company affiliates in amounts ranging from $1,000 to $100,000. All loans have an annual percentage rate (APR) that will range from 4.9 to 35.99 percent based on your creditworthiness — high-credit borrowers will be eligible to receive the highest loan amounts at the lowest rates.

In addition, you will be responsible for an origination fee ranging from 1 to 6 percent of your financed amount.

Debt consolidation loans can be a faster way to consolidate and pay off your debt — Accredited Debt Relief can help you become debt free within 24 to 48 months. 

However, debt consolidation loans typically have much higher interest rates than you may see with other loan types. Higher rates are common because companies offering debt consolidation services and loans are taking a larger risk than they might be otherwise. That being said, you may be eligible for lower rates if you are creditworthy.

Success-Based Fees

Accredited Debt Relief doesn’t outline any fees beyond an origination fee for debt consolidation loans. However, the company may likely charge other fees that you will be responsible for.

However, Accredited Debt Relief fees are 100 percent success-based, meaning that you don’t have to pay fees until the Accredited Debt Relief team has helped you achieve a solution for your debt. 

This success-based fee model will likely exclude debt consolidation loan origination fees. Because Accredited Debt Relief works with affiliates to provide these loans, you will need to pay an origination fee to establish your loan account with your loan provider.

Free Consultations

Accredited Debt Relief provides free debt relief consultations. On top of a free consultation, the company offers a personalized approach to every person's financial situation and credit score.

The company rarely works with secured debt, so most of its customers have unsecured debt. Unsecured debt can be medical bills, a student loan or personal loan, or credit card debt, to list a few examples.

Free consultations are a national debt relief industry trend, so if a debt management company doesn't offer free consultations, you should probably look elsewhere.

Multiple Industry Accreditations

Regarding accreditations, Accredited Debt Relief has more than the average debt management company. The company is an accredited member of the American Association for Debt Resolution (AADR), formerly known as the American Fair Credit Council (AFCC), and has an A+ rating with the Better Business Bureau. 

In addition, Accredited Debt Relief is an accredited member of the Consumer Debt Relief Initiative (CDRI), an organization established in 2020 to promote and protect the debt settlement industry.

Positive Accredited Debt Relief Reviews

The company has more than 1,500 Accredited Debt Relief reviews on BestCompany.com, and over 95 percent of reviews are either 4 or 5 stars.

In Accredited Debt Relief reviews, clients point out and value Accredited Debt Relief's knowledgeable staff. Additionally, customers note that the company's representatives make them feel comfortable throughout the process. In one Accredited Debt Relief review, one customer stated that he wished he had called the company sooner. Another positive review is reproduced below.

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Customer Review: Emily

"They are super helpful. They explained everything to me and were able to bring my payments to where I was able to afford it!"

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The Bad

  • Undisclosed Costs and Fees
  • Undisclosed Eligibility Requirements
  • State Availability
  • Credit Counseling Not Available

Undisclosed Costs and Fees

Accredited Debt Relief doesn’t outline specific costs and fees for its services. However, you can request a free consultation, allowing you to get an estimate of costs and fees based on your finances.

It isn’t uncommon in the industry for companies to not publish costs and fees because they will vary widely based on each client’s needs and financial circumstances.

Undisclosed Eligibility Requirements

Accredited Debt Relief doesn’t outline any specific eligibility requirements for its debt consolidation services. Your rates and fees will be determined based on your financial situation and creditworthiness.

State Availability

Accredited Debt Relief isn't available in every state. Make sure to check state availability to ensure your state is within the company's coverage.

Credit Counseling Not Available

While Accredited Debt Relief will work with your creditor(s) to settle your debt, the company itself does not provide credit counseling services. It does provide helpful information on its website about credit counseling and what to expect during a credit consultation, but Accredited specifically works with those who have already determined they need a debt settlement or consolidation program and doesn’t employ specific credit counselors to help you reach that decision.

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The Bottom Line

Accredited Debt Relief is one of the most highly accredited debt settlement companies in the industry. The company can help you become debt free within 24 to 48 months.

The company provides personalized debt consolidation services — each client is assigned an Accredited Debt Relief representative who will walk you through the debt consolidation programs and options available to you. Your assigned company representative will work with you throughout the entire debt consolidation process, ensuring that your questions and concerns can be addressed quickly while also helping you become debt free faster. 

Accredited Debt Relief reviews on BestCompany.com are overwhelmingly positive — upwards of 95 percent of reviews are 4 or 5 stars. Satisfied customers frequently highlight the company’s exceptional customer services, as well as a simple and easy-to-understand debt consolidation process based on their specific needs and finances.

Accredited Debt Relief is an accredited member of both the AADR and CDRI, ensuring that the company meets high industry standards and adheres to ethical practices.

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Star Rating

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4.9

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1,556 Reviews

Review Breakdown

5 grade

86%

4 grade

11%

3 grade

1%

2 grade

0%

1 grade

2%

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Review Source

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Elizabeth Freeman

I'm just getting started with this and hope this was a good decision on both our behalf. Please contact me again in the future for my answers.

4 years ago

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Reply from Accredited Debt Relief

Thank you for choosing Accredited Debt Relief! We look forward to your success in the program.

Dec. 31st, 2019

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Francis Reyes Holyoke, MA

100 % satisfied, I was second guessing myself with this program. Ryan explained each section in a timely manner and with such clarity even the kids understood what he was telling me. Now I’m looking forward to see the results.

4 years ago

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Reply from Accredited Debt Relief

We are happy to hear about your positive experience with us! Thanks for choosing Accredited Debt Relief!

Sep. 25th, 2019

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Tammy Birdsong Gretna, VA

Accredited has an A+ with the BBB and Walter explained things well but I wasn't comfortable proceeding with the program right now. They have it streamlined and easy to do but I have no back if there's an emergency in my life.

5 years ago

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Reply from Accredited Debt Relief

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

Sep. 5th, 2018

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Mark Price

Mr. Dan B explained the program and plan in thorough detail. He seemed to empathize with me and/or those in my credit situation. Concise in his briefing about the program and how it works and plays. We will see how well the plan works.

6 years ago

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Priscilla Moody

The first person I spoke to after all the time waiting and giving all the information requested, they were the wrong person unqualified for what I needed. I talked to three or four people before I finally talked to someone who knew what I needed. It was very frustrating going through all that I was ready to say just forget the whole thing.

7 years ago

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Mark Gilroy, CA

Well I just started with them and so far it's been ok.But I ready dont have to much experience with them yet.

4 years ago

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Reply from Accredited Debt Relief

We appreciate the positive review! Thank you for taking time to leave positive feedback for us!

Nov. 19th, 2019

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Nancy Hower

I'm concerned due to credit card companies still contacting me.

4 years ago

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Reply from Accredited Debt Relief

Thank you for your review and for choosing Accredited Debt Relief!

Nov. 19th, 2019

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Shirley

Informative on how to best deal with my debt

4 years ago

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Reply from Accredited Debt Relief

Thank you for your review and for choosing Accredited Debt Relief!

Jan. 14th, 2020

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Ledora Tighe Melbourne, FL

Ok for some. Not for me. I don’t believe this is the answer for me. I’m going to work on reducing debt on my own

5 years ago

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Reply from Accredited Debt Relief

Thank you for your feedback! Please email us at if you have any questions or need any type of assistance ever.

Jul. 30th, 2018

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Malessio Flores Farmington, MI

Receivied very good information on the process and steps needed to sign up for the Debt Relief Program.

6 years ago

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Reply from Accredited Debt Relief

We are very pleased to hear about your positive experience with our company. Thanks for choosing Accredited Debt Relief!

Feb. 2nd, 2018

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Jessica Remillard Chicopee, MA

Seems like it is taking a long time to get things rolling.

9 months ago

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Reply from Accredited Debt Relief

Hi Jessica,

We appreciate your feedback. Our goal is to help our clients resolve their debts as quickly as possible. While the majority of our clients receive their first resolution within 3-6 months of enrolling, resolution times vary and can sometimes take a little longer.

We're sorry that your program is moving a bit slower than you'd like, if you have any more questions relating to your program timeline please don't hesitate to reach out to one of our Certified Debt Specialists at 800-497-1965 or email us at [email protected].

— Support Team at Accredited Debt Relief

Jun. 6th, 2023

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Anderson Dumfries, VA

I just enrolled today. Bill was very helpful with the enrollment process.

6 years ago

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Reply from Accredited Debt Relief

We are happy to hear about your positive experience with us! Thanks for choosing Accredited Debt Relief!

Feb. 2nd, 2018

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Jeff devers

helpful,ready to answer my questions .followed up with what was said

7 years ago

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D LEE Santa Rosa, CA

I think I was quoted wrong. 36 mo's v 48

3 years ago

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Reply from Accredited Debt Relief

Thank you for your comments. We want every client to have a great experience and have high standards for ourselves. Please call us at 800-497-1965 or send us a message to [email protected] with your name, email address and phone number so we can get in touch as soon as possible.

Thanks,

Support Team at Accredited Debt Relief

Aug. 12th, 2020

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Lara Thrasher Blythewood, SC

Great service. Easy to work with.

7 years ago