Accredited Debt Relief

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7.6

Overall Score

980 User Reviews

20 hours ago

Accredited Debt Relief

verified
This company has a money-back guarantee

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

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

Reasonable Fees

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.

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.

Disclaimer

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User Reviews

4.9

980 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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Ted
June 20th, 2018 Conroe, TX

I am early in the program but if things continue as started I will be VERY satisfied. Aaron M. has been TOP NOTCH from our first contact. He is a real asset for your company. Although I don't have their names the lady's in the welcome part were also very great. Really takes a load of my shoulders. I will have a nice sleep tonight.

Helpful?
jenie cruz
June 18th, 2018 San Pablo, CA

i was really grateful in speaking with Mr. Walter M., he helped me out to get an approval and better program that could help he during this hardship. He was very helpful and patient enough to walk me thru the process and i really appreciate everything he has done.

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Customer ServiceJun 18, 2018

We are happy to here about your positive experience with us. We look forward to your continued success with Accredited Debt Relief!

Helpful?
Adrienne Bartchak
June 19th, 2018 Pottstown, PA

I was so fortunate to have Ryan D. guide us through this process. After he explained how beneficial it would be to us to add every credit card on to this program --that's exactly what we did. It wasn't our plan but he was absolutely right !! He was awesome--with detailing how the process works. I did do some research before calling Accredited Debt Relief and the 5 star rating is well deserved. We were on the phone for quite a while and he was patient and knowledgeable, guiding me through how everything will happen. It's a bit scary --not having a credit card to fall back on, but I know we made a good decision, with Ryan's expertise.

Helpful?
Annymous
June 13th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

The rep was a pushy and know it all in demeanor.

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Customer ServiceJun 13, 2018

We are happy to here about your positive experience with us. We look forward to your continued success with Accredited Debt Relief!

Helpful?
Shawn Meagher
June 13th, 2018 St. Petersburg, FL

Andie did a nice job of explaining the processes. She answered all of my questions and was very timely in her responses.

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Customer ServiceJun 13, 2018

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

Helpful?
Wendell
June 11th, 2018 Loxahatchee Groves, FL

This was the best decision i made they really help me out by lowering my payments now i can breath thanks to them

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Customer ServiceJun 13, 2018

We look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

Helpful?
Betty
June 11th, 2018 Hemet, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

The person I spoke with from the beginning was extremely knowledgeable and helpful. It’s a stressful time when you’re even considering going this route and it was very beneficial to feel understood and not judged. The agent was very responsive, replying to emails and voice messages promptly. Very good experience from the beginning.

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Customer ServiceJun 13, 2018

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

Helpful?
Michelle Grove
June 7th, 2018 Yuma, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

From the moment I spoke to someone on the phone about my debt, everyone I spoke to was very helpful, nice, and willing to help me.

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Customer ServiceJun 07, 2018

We are happy to here about your positive experience with us. We look forward to your continued success with Accredited Debt Relief!

Helpful?
Tina
May 31st, 2018 Batesville, AR

I talked to Brandon and he explained everything so I could understand it

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Customer ServiceJun 07, 2018

Awesome Tina! Thanks for choosing Accredited Debt Relief

Helpful?
Abel Mireles
May 31st, 2018 Roswell, NM

it was very nice Eddie was informative and pleasant. explained how this works.

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Customer ServiceJun 07, 2018

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

Helpful?
Lorraine F Guinan
May 25th, 2018 Oviedo, FL

Helped me understand the process & saved me a ton of $$. Extremely helpful so glad I found this service

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Customer ServiceMay 25, 2018

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

Helpful?
Duane Miller
May 24th, 2018 Council Bluffs, IA

People are pleasant to talk with and answered all of my questions. I especially like the sincerity I felt from Andie in that she will help me throughout the program.

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Customer ServiceMay 25, 2018

We look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

Helpful?
George Shelley
May 24th, 2018 Raleigh, NC

Had confidence in the representative, answered all my questions. Explained the process in an easy to understand way. Felt comfortable that the representative gave me good information to help me make decision.

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Customer ServiceMay 25, 2018

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

Helpful?
Christie Wilson
May 23rd, 2018 Modesto, CA

The reassurance that Aaron gave me. And the knowledge and genuine empathy made me feel so much better in getting my finances in order!!!

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Customer ServiceMay 25, 2018

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

Helpful?
robin s machuca
May 21st, 2018 Seguin, TX

This program has taken a huge weight off my shoulders. I struggled to keep my payments on time and was getting no where. This program will help me get back on track with my finances and let me breathe again. Thanks Joe

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Customer ServiceMay 25, 2018

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

Helpful?
Michael Earley
May 22nd, 2018 Floral Park, NY

Ryan was absolutely crystal clear on what I was getting myself into and how much it could benefit me in the long run. He was quick to return my call when I called him with questions.

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Customer ServiceMay 25, 2018

We are happy to hear about your positive experience with us. We look forward to your continued success with Accredited Debt Relief!

Helpful?
Steve Headrick
May 18th, 2018 Campo, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I am very excited to start my relationship with Accredited Debt Relief and Freedom Debt Relief. My dealings so far with Accredited Debt Relief has been very positive. I truly feel that there goal is to help me eliminate my debt using the method best designed for me and with my best interest in mind. I have been treated as if I were their number one client. We both have the same goal which is to get me out of debt in the shortest period of time while making this process affordable for me.

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Customer ServiceApr 30, 2018

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

Helpful?
Doreen
May 18th, 2018 Staten Island, NY

Sonny was a big help to me An I’m glad I called I feel less stress right now knowing I’m getting the help I need

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Customer ServiceMay 25, 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?
Howard
May 14th, 2018 Los Angeles, CA

Great teamwork with Sonny and Jordan. They explained everything in great detail to me.

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Customer ServiceMay 14, 2018

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

Helpful?
Valerie Robinson
May 14th, 2018

Mr. Y ws professional, friendly and very timely and helpful It was a wonderful experience.

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Customer ServiceMay 14, 2018

We appreciate the honest review! Thanks for leaving us feedback :)

Helpful?
Douglas Greer
May 9th, 2018 Clinton, OK

Bill L provided me with all the information I needed to make my decision to use Freedom Debt Relief. He fast and courteous service answering all my questions. He helped me the process and made it easy for me. Your company should be glad you have him on your staff, he is an asset to your company.

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Reply from Accredited Debt Relief

Customer ServiceMay 09, 2018

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

Helpful?
Ashley Bartlett
May 9th, 2018 Visalia, CA

Lisa M is Amamzing! She answer all my questions and made me feel at ease. I am so glad I am able to work with her!

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Reply from Accredited Debt Relief

Customer ServiceMay 10, 2018

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

Helpful?
Shawn
May 9th, 2018 Highland Springs, VA

Great service had a answer for every question I asked

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Customer ServiceMay 10, 2018

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

Helpful?
Betty J Watts
May 4th, 2018 Hayward, CA

A very pleasant experience. I was very apprehensive regarding the program, but after all was said and done, I feel it will be fine.

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Customer ServiceMay 10, 2018

We look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

Helpful?
Craig Willingham
May 3rd, 2018 Jonesboro, AR

Very informative and easy to understand. Eddie was very clear with the explanation of the process and what to expect

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Customer ServiceMay 03, 2018

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

Helpful?
Jill Embacher
May 3rd, 2018 Saint Peter, MN

Walter was my rep. He spoke at a pace that I could easily understand and I felt very comfortable with him. He was super knowledgeable! He took all the time I needed, and I never felt rushed! I have had lots of anxiety over my debt and this is the first time that I feel like I am taking control back!

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Reply from Accredited Debt Relief

Customer ServiceMay 03, 2018

We are very pleased to hear about your positive experience with our company and we look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

Helpful?
Emily
May 2nd, 2018 Baltimore, MD DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Aaron was awesome! Litterally so helpful and down to earth. Really helped me to see my financial situation and understand the best course of action.

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Customer ServiceMay 03, 2018

We are happy to hear about your positive experience with us. We look forward to your continued success with Accredited Debt Relief!

Helpful?
Marilyn Wallace
May 1st, 2018 Lakeland, FL

I was taken thru all aspects of Accredited and what to expect and what to do in case I have any questions.

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Customer ServiceMay 01, 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?
Frank
April 30th, 2018 Tuckahoe, NY DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

From the first moment we spoke everything was presented to me thoroughly and made me feel very comfortable

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Customer ServiceApr 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?
Kimberly Petersen
April 30th, 2018 Havelock, NC DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Great customer service. Answered all my questions. Assured me when I had doubts

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Reply from Accredited Debt Relief

Customer ServiceApr 30, 2018

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

Helpful?
Teresa A Beck
April 26th, 2018 Potterville, MI

Brandon was GREAT .... He explained everything & was very patient with me

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Customer ServiceApr 30, 2018

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

Helpful?
Bobby Bennett
April 17th, 2018 Shreveport, LA

I was pls at helpful options that was given and the relief.. I was given.. thanks Brandon for your help

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Customer ServiceApr 25, 2018

Thank you for your review and thank you for choosing Accredited Debt Relie

Helpful?
Kerry R Wayne
April 26th, 2018 Las Vegas, NV

My situation falls under a hardship area and I was treated with excellent understanding and they came up with a payment that I can afford. All the other debt relief companies I've worked with could not do this or even come close. My only other option is to file bankruptcy and now I won't have to. I highly recommend Accreditied.

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Customer ServiceApr 30, 2018

We are very pleased to hear about your positive experience with our company and we look forward to helping you reach your goal of financial freedom. Thanks for choosing Accredited Debt Relief!

Helpful?
Juanetta Turner
April 16th, 2018 St Louis, MO

I have received many calls about my debit and didn't understand how this resolution program really works but Ryan took the time and patience to ensure me this program will work for me.

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Customer ServiceApr 25, 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?
Gregory Pitts
April 12th, 2018 Fort Lauderdale, FL

Brianna was extremely helpful and professional. Gave me hope that looked like a hopeless situation.

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Customer ServiceApr 12, 2018

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

Helpful?
Susan Oliver
April 12th, 2018 Attleboro, MA

Joe H. was the representative that helped me through this process. He made it simple, clear and always answered my calls and questions. He followed up with everything he said he would do in such a quick fashion. Thank you and kudos to Joe!

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Customer ServiceApr 12, 2018

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

Helpful?
Kathleen Grzywna
April 9th, 2018 Port Saint Lucie, FL

Jason M. spend so much time going over everything with patience after I had so many questions and he took his time and explained until I understood. He has been available in the phobe. He returns calls in a timely manner. I personally think he did an amazing job. Thank you Jason.

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Customer ServiceApr 10, 2018

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

Helpful?
Leonard DiFranco
April 9th, 2018 Grass Valley, CA

So far I've been pleased with my experience. Although there is quite a bit of information too read in the signing process. I'm hopeful we made the right decision too move forward with ADR.

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Customer ServiceApr 10, 2018

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

Helpful?
Meghan
March 29th, 2018 Manchester, MD

Just a quick note to say how fantastic it’s been working with your Senior Account Executive, Joseph Hicks: I admire his leadership skills, dedication to the field, and drive to go above the call of duty. In that regard, I look up to him on a professional and personal level. Providing unparalleled personalized and customized support to clients, Joe is an extraordinary machine in the industry. ADR is lucky to have Mr. Hicks, and I could not recommend him more for this journey!

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Reply from Accredited Debt Relief

Customer ServiceApr 03, 2018

Thank you so much 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?
Gloria M Vila
March 28th, 2018 Sarasota, FL

Michael Y. was fantastic at explaining the program and following up on my questions. He is very courteous, and knowledgeable. It was a pleasure talking to him.

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Customer ServiceApr 03, 2018

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

Helpful?