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7.9

Overall Score

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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 33 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.

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Call our recommended rep over at Accredited Debt Relief below.

1-(866) 819-5224

User Reviews

4.9

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10

patricia schmidt

February 22nd, 2018 American Canyon, CA

our experience was fast easy professional. the person < jim k.> was very helpful, answering all our questions.

Helpful?

10

Linda Brown

February 21st, 2018 Tucson, AZ

Steven C. was extremely knowledgeable and professional. He explained the program very well and was able to complete the enrollment process within a few hours. Very glad that I was able to speak with him.

Helpful?

10

Jean Gelbaugh

February 20th, 2018 Mechanicsburg, PA

It was a pleasure dealing with Ryan. He is a very personable, courteous young man. He explained everything in very thorough understanable terms, by going page by page through the document, he explained it all making sure I understood everything and answering questions that i had. All in all, it was a n excellent experience. Thank you, Ryan

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Brian Stone Feb. 21, 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?

10

Donna Good

February 19th, 2018 Hollister, MO

Intelligent knowledgeable kind helpful considerate empathetic listener well great advice continue to seek me out playing telephone tag patient. Skillful knowledgeable believes in his own product has information about additional ways to help you become debt free

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Brian Stone Feb. 21, 2018

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

Helpful?

10

Jeanette Lawson

February 19th, 2018 San Pablo, CA

I felt that the Customer Service Rep. treated me extremely well. He made my day knowing he was there to help me .

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Brian Stone Feb. 21, 2018

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

Helpful?

10

Nancy Wells

February 19th, 2018 Orange City, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

It was such a blessing to be able to talk to someone that was willing to help get you on the right path.. We make mistakes in life and we pay dearly. To be able to lay the burden down and they would take care of it was truly a blessing. They work through each step with you and only ask you to keep your commitment.. Brighter days are ahead and it is going to be awesome.

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Brian Stone Feb. 21, 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?

10

David fleming

February 19th, 2018 Visalia, CA

Eddie is the real deal and is very helpful

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Brian Stone Feb. 21, 2018

Thank you for your great review!

Helpful?

10

Alejandro Garcia

February 19th, 2018 San Marcos, CA

I was so worried and frustrated because I lost my job and became disabled. I tried to keep my payments on time out of my savings until there was enough either for food or one more payment. Income from disability ? not enough. I came across this add and out of curiosity and I responded. soon enough there was an incoming call I was reluctant to answer thinking it will be a wasting time but I answered at the last ring. OMG found out there was HELP so, even if it seem to be to good to be truth. Out of many programs they walked me thru the one best for me. I wish I came across this company earlier, but even now I already feel relieved I can sleep now that I know I am not alone on this one. Thank You Accredited Debt Relief. Alex....

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Brian Stone Feb. 21, 2018

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

Helpful?

10

Kevin Fenske

February 19th, 2018 Saint Paul, MN

Michael was great, he answered our questions and was very patient

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Brian Stone Feb. 21, 2018

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

Helpful?

10

Louis Southall

February 17th, 2018 Adelanto, CA

Great experience with helpful staff that explain everything. It's a fast process. I highly recommend this service to anyone who wants financial freedom.

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Brian Stone Feb. 21, 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?

8

crystal shaffer

February 17th, 2018 Newfoundland, PA

Mat was pleasant and well versed in his delivery and product and service. He answered all questions I had which was not a lot as he provided the info I needed to make the decision to go with this debit consolidation program.

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Brian Stone Feb. 21, 2018

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

Helpful?

10

Lorrie Dorman

February 17th, 2018 Amarillo, TX

Michael was very helpful in explaining the process of eliminating our debt. I felt like he really cared!

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Brian Stone Feb. 21, 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?

8

Cheryl Robinson

February 16th, 2018 Catonsville, MD

Best customer service (Lawrence S.), great attention to detail, questions and concerns. Explanation of process.

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Brian Stone Feb. 19, 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?

8

Kat

February 16th, 2018 Portage, MI

I am still a bit overwhelmed or maybe uneasy is a better word, but Chris explained the program very well. I can't say much more at this point, but would gladly comment when the program is, say half way through.

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Brian Stone Feb. 19, 2018

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

Helpful?

10

Ma shelda cabus Fojas

February 16th, 2018 Spring Valley, NY DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Joe H. clearly explained the process and he was able to guide me through the application.

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Brian Stone Feb. 19, 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?

10

marie pearce

February 12th, 2018 Louisburg, NC

the person talked was very helpful and help me very much.

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Brian Stone Feb. 13, 2018

Thanks for your 5-star review Marie! We are happy to hear that. Thanks for choosing Accredited Debt Relief!

Helpful?

10

Janice Mirenda

February 10th, 2018 Rowlett, TX

I just entered into an agreement. Mr. C is informative and gives you an assurance that he will assist you with resolving your debt issues.

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Brian Stone Feb. 14, 2018

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

Helpful?

8

Muriel Hart

February 10th, 2018 Nisswa, MN

Most People as myself, are Not wanting to do this. in the first place, so to have someone on the other end ,assure you of what Accredited Debt Relief can do and Provide you in writing the information, answer your ,Question's, well let's just say it put my mind at ease.

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Brian Stone Feb. 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?

10

Manuel Antonio Pena Velazquez

February 9th, 2018 Miami, FL

The process was a breeze, Ms. Sousa was very understanding and explained the whole process in a clear manner. I was never insecure about my decision throughout the process, this truly is a better alternative to other Loan Consolidation options.

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Brian Stone Feb. 12, 2018

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

Helpful?

8

Anita Perkins

February 7th, 2018 Lee's Summit, MO

Bill was very helpful and detailed in his explanations and clarifications of the program. David the welcome person was very detailed in his descriptions and made me feel even more comfortable about joining the program.

Helpful?

10

Harley Hanson

February 7th, 2018 Hill City, SD

Awesome! Brandon explained everything and answers all my questions and gave me time to think everything over before signing up

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Brian Stone Feb. 9, 2018

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

Helpful?

10

Judy Hughes

February 6th, 2018 Dayton, TX

My experience was excellent with all departments.Andie was wonderful at explaining everything and helping me through the process. She is sooo special at what she does

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Brian Stone Feb. 14, 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?

10

Pete Jason

February 3rd, 2018 Plymouth, MI DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Brian was our consultant. He was so helpful, and very pleasant to talk to. He went thru everything with us. He answered all our questions. We are so happy, we are going to save so much money. This is a wonderful thing.

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Brian Stone Feb. 2, 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?

2

Michael Lynch

February 2nd, 2018 St. Petersburg, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

So far so good. I am not anywhere close to finishing my program and past all the phone calls without getting sued, so when I get further in I will leave a more detailed review.

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Linda Elliott

February 1st, 2018 Hot Springs, AR

Jim K. was very helpful in explaining each option to me and aided in the decision to choose the option I chose. He has followed up with e-mails and phone calls to answer all my questions.

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Jennifer Bosworth

February 1st, 2018 Destin, FL

Tom was awesome he explained the program in detail and I am excited to put this behind me and move forward with what the future.

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Brian Stone Feb. 2, 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?

10

Pamala (Timmons) Cheadle

February 1st, 2018 Oklahoma City, OK

My experience with Steve C. was very professional and clear on helping me get out of debt. I am assured and confident that my debts will be resolved. Thank you so much!

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Brian Stone Feb. 2, 2018

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

Helpful?

6

Malessio Flores

February 1st, 2018 Farmington, MI

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

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Andrea Gonzalez

January 31st, 2018 San Antonio, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Sonny, Is amazing he answered all questions accordingly. It also helps keep a piece of mind that you will be talking to the same person through the whole duration of the process.

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Timothy Larson

January 31st, 2018 Lisbon, OH

I am BLESSED beyond belief!! I am so Thankful I came in touch with Accredited!! The Process was easy, and the help they gave me is Amazing!! Thank you for all you have done!!

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Brian Stone Feb. 2, 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?

10

Jacqueline

January 30th, 2018 Daly City, CA

Tom was very easy to work with and he made sure I understood everything. It was such a relief to finally find a way out of my debt situation. I'm sure Tom will be great to work with in the next few years.

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Ada

January 30th, 2018 Staten Island, NY

it was great pleasure talk to Sonny N. He was very helpful, and pay a lot of attention to details. I hope my debt resolution will go smooth without any stress.

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Brian Stone Feb. 2, 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?

10

Constance M. Giardina

January 30th, 2018 Binghamton, NY

I have a very positive experience and was very helpful.

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Brian Stone Feb. 2, 2018

Thank you for your review!

Helpful?

10

Ann Dickinson

January 30th, 2018 Wildomar, CA

The Representative, Sonny N., who worked with me was beyond patient and answered all the questions I had and didn't know I had. I am so relieved I chose Accredited Debt Relief to help me with my debt and will sleep better because of it. I also appreciate the collection of the monthly collection and will be easy and care free.

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Brian Stone Feb. 2, 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?

10

Marjorie

January 30th, 2018 Midlothian, VA

It was great, very helpful and patient. Sonny was great he explained everything and he did not press me into doing anything I did not want to do.

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Brian Stone Feb. 2, 2018

We are very happy to hear about your positive experience.

Helpful?

10

Timothy Bell

January 29th, 2018 Middleburg, FL DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are very knowledgeable and have the resources to back you up and protect you.

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Brian Stone Feb. 2, 2018

Thank you so much for your 5-star review!

Helpful?

10

Mary Nadeau

January 29th, 2018 Llano, TX

Brad G. is my representative and he is very helpful and friendly. He really knows his business! He talks a little fast for my older self to register everything but he's good about going back over the things I did not catch or understand. I have been having issues with payments due to high bills and recently having eye surgery twice and having unusual medical bills plus missing work and not getting paid. This program, I'm sure will somewhat hurt my credit but in the long run, I will get these creditors paid off in as little as 4 years so this program is a financial savior for me. AND having someone like Brad to explain the program, since he knows it so well, has made the process even easier.

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Brian Stone Feb. 2, 2018

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

Helpful?

8

jesse white

January 27th, 2018 Tulsa, OK

It is a good experience, all my questions were answered. Janet took her time and did a great job.

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Brian Stone Feb. 8, 2018

Thank you for your honest and positive review!

Helpful?

10

Mark Santilli

January 26th, 2018 Boston, MA

Tom was incredibly helpful and knowledgeable about the programs. So thankful for the help.

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Brian Stone Feb. 2, 2018

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

Helpful?

10

Jill

January 25th, 2018 South Bend, IN

Mark made me feel confident during a very stressful time

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Brian Stone Feb. 2, 2018

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

Helpful?