Accredited Debt Relief

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8.1

Overall Score

Accredited Debt Relief

verified
This company has a money-back guarantee
1-(855) 401-5531

Accredited Debt Relief performs extremely well in comparison to other debt relief services. The company has very positive customer reviews, accepts lower debt amounts than many companies, and has an industry average fee. But the company is lacking in state availability (32 out of 50 states). Accredited Debt Relief is a debt settlement company that also offers debt consolidation services; it works with a highly experienced team to negotiate with creditors and help customers settle debt from credit cards, medical expenses, and unsecured debt payments.

According to the company's website, clients that make all of their monthly payments pay around 50 percent of their total enrolled debt before fees. After fees, they pay 68 to 75 percent over 24 to 48 months. The company has been in business since 2008.

Just like the company's name implies, Accredited Debt Relief is highly accredited. The company is accredited with the AFCC, IAPDA, and San Diego Regional Chamber of Commerce. These are the top national accreditations available to debt settlement programs. 

The Good

  • Accredited Debt Relief Cost
  • Free Consultation
  • One Representative to Work With
  • Highly Accredited
  • Results
  • Positive Accredited Debt Relief Reviews

Accredited Debt Relief Cost

On average, Accredited charges customers $6,000 for settling $30,000 of debt (20 percent of enrolled debt).

Accredited's website discloses that fees are typically between 15 and 25 percent. The company claims that it only charges 4 to 8 percent annually of the total debt enrolled depending on different state requirements for fees.

For example, if you enroll $30,000 in debt and accredited debt relief negotiates that down to $15,000, you can expect fees to be about $6,000 (between $4,500 and $7,500). In this case, Accredited Debt Relief would not charge you over $2,400 in one year.

This pricing is typical for the debt settlement industry, but it is nice that Accredited will spread its fees out over the course of the debt settlement program.

This helps you keep more money when you're strapped for cash. If you can settle your debts and only pay the four percent annual rate of your debts, we recommend working with them.

By law, the company cannot charge any upfront fees. You wouldn't have to pay Accredited Debt Relief any money until after your debt is settled.

Accredited ensures that you don't have to pay a dime until you see results. The company understands that the process might hurt your credit score and tries to charge the lowest fees possible to save you money and damage to your credit report.

Free Consultation 

Accredited Debt Relief provides a free debt settlement consultation. 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 those with secured debt, so most of its customers have unsecured debt. If you come to them thinking you need debt settlement, they will only move forward if debt settlement is the right option for you.

The company offers other debt relief services other than settlement, including debt consolidation. 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.

One Representative to Work With

Programs are well outlined on their website, and they assign customers one representative throughout the entire settlement process.

This makes it easier for the debt management company to see if you actually need services other than debt settlement (like debt consolidation).

Your assigned expert will negotiate with your creditors and try to convince your creditors to lower your total owed debt.

Creditors are 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 climb out of your loan debt.

Highly Accredited

Regarding accreditations, Accredited Debt Relief has more than the average debt management company. The company is accredited with the IAPDA and is an accredited member of the AFCC.

On top of this, Accredited Debt Relief outlines FTC guides for debt settlement companies (they meet all requirements), provides additional debt consolidation services, and even links to a warning the FTC has on debt settlement.

Results

Accredited Debt Relief has successfully negotiated with the following credit card companies (allowing Accredited to help its customers with credit card debt):

  • Bank of America
  • Wells Fargo
  • Chase
  • CapitalOne
  • Citibank
  • American Express
  • Sears
  • USAA
  • The Home Depot
  • US Bank
  • HSBC
  • GE Capital
  • Barclays
  • OneMain Financial

Although Accredited Debt Relief cannot guarantee a settlement for every client with these companies, we appreciate that they show results from these 14 companies. In the settlements shown, clients paid 11 to 50 percent of their credit card debt.

Positive Accredited Debt Relief Reviews

In Accredited Debt Relief reviews, clients value the knowledgeable staff. Additionally, customers note that the company's representatives make them feel comfortable throughout the process. One reviewer stated that he wished he had called Accredited Debt Relief sooner.

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The Bad

  • Time In Business
  • State Availability
  • Negative Customer Reviews

Time In Business

One downside to Accredited Debt Relief is that they haven't been in business as long as some competitors. The company was founded in 2008. Other debt management companies have been around since the mid to late 90s.

State Availability

Accredited Debt Relief is only available in 31 states and Washington D.C.

Negative Customer Reviews

Some customers complained that they wish the company had explained the debt settlement process in more specific detail. However, there were only a select few who stated this.

Many negative customer experiences with debt management companies, in general, involve the unexpected penalties to credit scores. These complaints are understandable, but lower credit scores should be expected for those looking to find debt relief through debt settlement.

The Bottom Line

Accredited Debt Relief is one of the most highly accredited debt settlement companies. The company understands that debt settlement could hurt your credit score, which is why they assign a personal representative to each customer to ensure they are making the right move. We love that the company is accredited with the AFCC and the IAPDA.

Not only do they offer a free consultation, but also they assign you one representative to guide you throughout the entire process. If your state is eligible, and you have over $7.5k in debt, we highly recommend you explore this company.

We'll Introduce You!

Call our recommended rep over at Accredited Debt Relief below.

1-(855) 401-5531

Disclaimer

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User Reviews

4.9

1035 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

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Darrell Carrier
September 21st, 2018 New Baltimore, MI

It was a long phone call but it was very very thorough and he made sure I understood every aspect. Definitely recommend to others. Another thing I liked, in today’s world you have to be very careful with the information you give out. He assured and reassured me every step that it was a legit deal.

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Customer ServiceSep 21, 2018

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

Helpful?
Cynthia Havens
September 19th, 2018 Mayville, MI

We were treated kindly, with respect and given lots of helpful information. They were fast and really helped us with our financial situation. Eddy S did a great job explaining everything and helping us through the steps.

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Customer ServiceSep 21, 2018

We appreciate your awesome review! We strive to provide excellent service to all clients while settling all accounts in a timely manner. Thank you for choosing Accredited Debt Relief to assist you!

Helpful?
Jason hanson
September 18th, 2018 Valparaiso, IN

Customer service representative was very helpful and knowledgeable. Answered every question I had and put my mind at ease

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Customer ServiceSep 21, 2018

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

Helpful?
Janet M. Jacobs
September 17th, 2018 Lady Lake, FL

I am very pleased with Accredited and especially Aaron M . I usually do not answer unknown calls, but it was Devine intervention that I took the call for it was exactly the help I needed and it came at the right time. So, you are all a blessing and I thank you from the bottom of my heart!💗 it was the answer to my prayers.🙏

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Customer ServiceSep 17, 2018

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

Helpful?
James Ruiz
September 13th, 2018 Rockport, TX

Helpful, kind helped me understand the process, answered all my question with knowledge and great info on my what to do if questions. I know it is not an over night fix, it takes time, so my review is 5 stars with my interaction with debtrelief.

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Customer ServiceSep 17, 2018

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!

Helpful?
Edward
September 13th, 2018 Norfolk, VA

I had begun a debt relief program with another company; however, I was impressed with the monthly payment that ADR stated it could offer. When I called the other debt relief organization they were very honest and stated that they could not match the payment offered. My ADR representative was very helpful in explaining the process.

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Customer ServiceSep 17, 2018

We appreciate your honest review. We look forward to your success in the program. Thanks for choosing Accredited Debt Relief!

Helpful?
John Mazeppa
September 12th, 2018 Westland, MI

The representative I spoke with was very courteous, listening to my situation. He went over my concerns giving me the options available to me and most importantly one that seemed to offer me a way out the debt I’d gottenmyself into. I can’t say enough about the time he spent on my concerns and walking me through the application process. I am very greatful and feel I’ve made a good decision with a good company. My Thanks John Mazeppa

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Customer ServiceSep 17, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

Helpful?
Michael Pittman
September 11th, 2018 Big Stone Gap, VA

Very quick response, they were able to quickly find a solution custom fit to my needs. Representative was very respectful, and was very knowledgeable about the process and how it will help me moving forward

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Customer ServiceSep 17, 2018

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

Helpful?
Ronda Piche
September 19th, 2018 Pensacola, FL

Krystalle A was very professional, patient, knowledgeable and answered all my questions. She explained the process in great detail and made sure I understood every item. I asked many questions and she addressed all my concerns. She reviewed the billing, guarantee, and products the company offered.

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Customer ServiceSep 21, 2018

Thank you for your positive review! We are here to guide you through your financial journey and resolve your debt! Thank you for choosing Accredited Debt Relief!

Helpful?
Sharon Biscardi
September 11th, 2018 Yankton, SD

He was persistent, and had tons of patience, which was needed.

Helpful?
Britteny Thomas
September 7th, 2018 Baton Rouge, LA

Awesome! Omar advised me about the ends and outs of debt consolidation and guided me to the better solution for my individual case.

Helpful?
John Briggs
September 7th, 2018 Santa Fe, NM

Very fast and professional. Was able to answer all my questions and put my mind at ease.

Helpful?
Florence Kilmer
September 7th, 2018 Cottekill, NY

My experience was wonderful. I could not have asked for a better Rep of your company. She was kind considerate and compassionate. Most of all she had the patience of a St. I appreciate all your company has done for me and will definitely recommend to anyone in my situation. Thank you so much Krystalle. Wish you much success!!

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Customer ServiceSep 07, 2018

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

Helpful?
Traci
September 6th, 2018 Joplin, MO

Jonathon was very helpful and explained things very well.

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Customer ServiceSep 06, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

Helpful?
Henry S Barnett
September 4th, 2018 Bangs, TX DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I was very apprehensive going in, but after starting the process, I became relieved as the professionalism was apparent. All my questions were answered.

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Customer ServiceSep 05, 2018

Thank you for your feedback! We look forward to successfully assisting you through the reminder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?
Samuel W Forsythe
September 4th, 2018 Bradenton, FL

I had the pleasure to talk with Mr. Jo H. What a wonderful person. He made this easy to understand what would be happening in the coming months and how all of this would be set up. 100% happy...

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Customer ServiceSep 05, 2018

We appreciate your honest review. We look forward to your success in the program. Thanks for choosing Accredited Debt Relief!

Helpful?
Tammy Birdsong
August 27th, 2018 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.

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Customer ServiceSep 05, 2018

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

Helpful?
STACEY REMICK-SIMKINS
August 27th, 2018 Fairfax, VA

It has been thus far the most transparent process I have been through. Brandon genuinely enjoys making things better for his clients and loves his job which makes going this route a pleasing one.

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Customer ServiceAug 30, 2018

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!

Helpful?
Aubree Green
August 24th, 2018 San Diego, CA

Customer service was excellent. I spoke with multiple people and each one of them explained the program and process.

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Customer ServiceAug 30, 2018

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

Helpful?
Joan R Webster
August 23rd, 2018 Philadelphia, PA

Jonathan P was my counselor and he was so patient with me and I am very pleased with the results. I would recommend your service to anyone that needs help. Thanks.

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Customer ServiceAug 23, 2018

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

Helpful?
Dorothy Wideman
August 23rd, 2018 Catawissa, MO

My customer representative Aaron M has been a godsend. He made my first step into the program great. He’s helped me along the way and explained it all in detail.

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Customer ServiceAug 23, 2018

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

Helpful?
Donna Ostapowycz
August 22nd, 2018 Lehigh Acres, FL

My experience with Joe was very informative and he took the time and had the patience to explain everything once sometimes twice so I understood the program. Joe gave me all the information I needed to make a financial decision, to make my life easier in the near future. And not to feel guilty.

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Customer ServiceAug 23, 2018

Thank you for your feedback! We look forward to successfully assisting you through the remainder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?
Irene
August 22nd, 2018 Shippensburg, PA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

David was super thoughtful, polite and helpful. During no part of the process did I feel judged. It's nice knowing that I have a solution to my credit problem.

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Customer ServiceAug 23, 2018

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

Helpful?
Kate A.
August 21st, 2018 Princeton, TX

Branson T., thank you so much for helping me out! Before ADR called me I was on the peak of my emotions, crying because I’ve messed up my credit and kept paying my credits card on a minimum payment and still hurt my credit! I don’t earned as much, only average wage of $850 so I have no money for gas or any food for grocery etc. Thank God that Branson was there to help me understand what program they can offer for me inorder to fix my problem on a step by step basis. He was there to at ease my mind, made sure that I am not scammed or something. Before I am paying $750-$800/monthly and still hurt my credit, now I am paying an amount wherein I could still save up and making sure that money goes to all my creditors. To Branson T., thank you for listening and calm me out. Thank you for not judging too. I hope we’ll be able to fix this problem of mine till the end. To all people out there, just try them out! Here them and they might be of help to your debt problems.

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Reply from Accredited Debt Relief

Customer ServiceAug 30, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

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Reply from Accredited Debt Relief

Customer ServiceAug 30, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

Helpful?
Norman Glenn Sweet
August 20th, 2018 Tulsa, OK

Actually you are what I have been looking for, for so long now, I can finally breath better and know there is a light at the end of the tunnel. I also feel very lucky that I found your company and I actually felt like I was talking to family, Because I felt so comfortable talking with Krystal, I really feel confident and secure knowing that I have someone that is taking a special interest and control to getting my life back in order and that means a lot. I thank you from the depths of my being.

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Customer ServiceAug 20, 2018

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!

Helpful?
Angel Barquero
August 20th, 2018 Denham Springs, LA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Brandon was very friendly and explained everything in detail for me.

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Customer ServiceAug 20, 2018

Thank you for the great feedback regarding your debt relief program!

Helpful?
Chris Plato
August 17th, 2018 Baltimore, MD

They are helping me work my way through overextended debt situation while avoiding bankruptcy. My lead contact, Lisa M, patiently walked me through every step and even handled several curveballs I threw at her without batting an eye. She stayed friendly, courteous, respectful, and helpful the whole way through. Once I got handed off to rest of the team, they continued to treat me like a human being and made the effort understandable. My monthly payment is something I can afford and I will still be able to make my car payment and rent.

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Customer ServiceAug 20, 2018

Thank you for your feedback! We look forward to successfully assisting you through the reminder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?
Linda Rivera
August 17th, 2018 Orlando, FL

Thank you Lisa M on explaining in detail and understanding . I feel a big relief. Thank you from the bottom of my heart.

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Customer ServiceAug 20, 2018

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

Helpful?
Mileydis Rojas
August 16th, 2018 Miami, FL

Excellent service! Very helpful, options available discussed. Relieved to have enrolled in this program. Thank you

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Customer ServiceAug 20, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

Helpful?
James Dodd
August 14th, 2018 Alvord, TX

Very knowledgeable about my needs and so far I accept their help.

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Reply from Accredited Debt Relief

Customer ServiceAug 14, 2018

We appreciate your honest review. We look forward to your success in the program. Thanks for choosing Accredited Debt Relief!

Helpful?
Thomas Speigel
August 13th, 2018 Glassboro, NJ

It was very helpful. Very informative...

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Customer ServiceAug 13, 2018

It's our pleasure. Thanks for choosing Accredited Debt Relief!

Helpful?
Alex Menjivar
August 10th, 2018 Cypress, TX

the whole process was sweet and easy. thanks to brandon who really know his craft. he is in the right field. keep helping people guys. you all are doing an excellence job. A+

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Customer ServiceAug 14, 2018

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

Helpful?
Jasmine Cruzado
August 9th, 2018 Mesquite, TX

Sonny is amazing. Hes accommodating, friendly, great customer service skills, and very knowledgeable.

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Customer ServiceAug 14, 2018

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

Helpful?
Mitchell Boudreaux
August 9th, 2018 Houma, LA

Very helpful and willing to help me the best way possible and explained everything in detail

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Reply from Accredited Debt Relief

Customer ServiceAug 14, 2018

Thanks for your feedback! We look forward to successfully assisting you through the remainder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?
Julie Boen Evans
August 9th, 2018 Boca Raton, FL

It was a positive and thorough experience.

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Customer ServiceAug 14, 2018

Thanks for your review!

Helpful?
Misty
August 9th, 2018 Tomball, TX

Michael and Ryan were/ARE absolutely amazing. They were beyond patient and very knowledgeable every step of the way. They understand my circumstance and helped me when I thought there was no hope at all. I'm paying close to half of what I used to a month on CC bills, but this time its actually getting paid off VS going no where. I am recommending them, and I can't wait to tell my success story!

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Customer ServiceAug 14, 2018

Thank you for your positive review! We are here to guide you through your financial journey and resolve your debt! Thanks for choosing Accredited Debt Relief!

Helpful?
Wendy Lewis
August 7th, 2018 Terre Haute, IN

Krystal was very thorough and explained everything in terms that anyone would understand. She was very nice to talk with and did not make any judgements about my situation.

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Customer ServiceAug 14, 2018

Thank you for your great review! We strive to provide the top customer service to all clients. Thanks for choosing Accredited Debt Relief!

Helpful?
Katy
August 6th, 2018 Spring, TX

Aaron M was EXCELLENT to work with!! He walked me through all the steps and explained everything. He was in contact with me the whole time and really eased my fears. My payments will be, at least, $800 less than I am paying now!

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Customer ServiceAug 14, 2018

Thank you for your 5-star review! We appreciate your comments and look forward to successfully assisting you through the remainder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?
MIGUEL RODRIGUEZ
August 1st, 2018 The Bronx, NY

Great costume service staff. Very helpful and encouraging positive advice to help you get your debt issue back on track and taken care of for good.

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Customer ServiceAug 01, 2018

Thank you for your positive review! We are here to guide you through your financial journey and resolve your debt! Thanks for choosing Accredited Debt Relief!

Helpful?
Ellen
July 31st, 2018 Austin, TX

The team has been so welcoming and answered all of my questions fully and without judgement. I've truly had an amazing experience thus far and am really happy I chose this company.

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Customer ServiceJul 31, 2018

Thank you for your feedback! We look forward to successfully assisting you through the remainder of your debt relief program. Thanks for choosing Accredited Debt Relief!

Helpful?