- Reasonable Fees
- Free Consultation
- One Representative to Work With
- Highly Accredited
- Positive Accredited Debt Relief Reviews
Accredited's website discloses that fees are typically 15 to 25 percent. The company asserts, however, that it will only charge four to eight percent annually of the total debt enrolled depending on different state requirements for fees. 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. Additionally, 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 heartache.
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.
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.
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
- American Express
- The Home Depot
- US Bank
- GE Capital
- 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.