Accredited Debt Relief performs extremely well in comparison to other debt relief services. The company has very positive customer reviews, has a $10,000 minimum debt requirement, and has an industry average fee. But the company is lacking in state availability (31 out of 50 states including Washington, D.C.). 

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. This additional offering ensures that Accredited Debt Relief clients can receive help finding the best debt relief solution for their situation.

According to the company's website, clients that make all of the monthly payments to a savings account pay less than their total enrolled debt in settlement before fees. 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 American Fair Credit Council (AFCC).

View verified Accredited Debt Relief reviews below.

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 Debt Relief 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 debt and only pay the four percent annual fee 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 its negotiators settle your debts.

Accredited Debt Relief 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 reduce 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 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. 

If you come to them thinking you need debt settlement, they will only move forward if debt settlement is the right option for you. Otherwise, they will recommend one of their other services, like debt consolidation.

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

Its programs are well outlined on the website, and Accredited Debt Relief assigns clients 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 lenders 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 develop a repayment plan so that you can climb out of your loan debt.

Working with a single representative as your point of contact means that you won’t be passed person to person to have your questions answered. It demonstrates Accredited Debt Relief’s commitment to quality customer service.

Highly Accredited

Regarding accreditations, Accredited Debt Relief has more than the average debt management company. The company is a member of the AFCC.

On top of this, Accredited Debt Relief outlines FTC guides for debt settlement companies (it meets 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 it shows 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 Accredited Debt Relief's 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.

However, while Accredited Debt Relief may not have as much experience as other debt relief companies, it does provide more services, including a debt consolidation loan program. Companies that provide both a debt settlement and a debt consolidation program are advantageous for potential clients because they offer more services.

State Availability

Accredited Debt Relief is only available in 31 states, including Washington, D.C. If you live in one of the states Accredited Debt Relief operates in, it is a good choice.

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. Going through Accredited Debt Relief's settlement process will reduce the amount you owe. 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.

Customers who want to avoid bankruptcy, debt from student loans, payday loan debt, etc. may benefit from Accredited Debt Relief's reputable debt relief program. Not only do they offer a free consultation, but also they assign you one representative to guide you through the entire process. If your state is eligible, and you have over $10,000 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

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User Reviews

Star Rating

4.8
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1,230 Reviews

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Andrew Chaspman
December 5th, 2019 Scotts, MI

Hw was very professional and made me aware of how the entire process works .

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Reply from Accredited Debt Relief

Dec 06, 2019

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!

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Pamela
December 4th, 2019 Auburn, IN

Hi. Jeremy, who is my direct contact, has made this an impressive process to go thru. He explains thing in such simple terms. I’m 66 and am able to follow him pretty good. Anytime you have a question, he stops and makes the time. In the process, he is just so darn knowledgeable and also takes some tips from you! I would highly recommend this young man or any of his other team players to see if any of these debt programs are for you! Good luck!!

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Reply from Accredited Debt Relief

Dec 05, 2019

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!

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Manuel
November 26th, 2019 Marana, AZ

Service was great and very friendly fast and very clear

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Reply from Accredited Debt Relief

Dec 02, 2019

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!

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Brittany Chilton
November 26th, 2019 Indianapolis, IN

Chris W was amazing. Got us started with a brighter future and put some hope back into our life. Thank you.

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Reply from Accredited Debt Relief

Dec 02, 2019

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!

Verified Customer

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Norma Nunez
November 25th, 2019 Fort Lauderdale, FL DETAILS
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Helpful. Like the way you explain all the steps to take so I can be debt free with your assistance. Thank you

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Reply from Accredited Debt Relief

Nov 25, 2019

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

Verified Customer

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Michael Waldman
November 25th, 2019 Las Vegas, NV DETAILS
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so far great and proffesional they really stay in touch and keep you informed

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Reply from Accredited Debt Relief

Nov 25, 2019

We are glad to hear your positive feedback regarding your debt relief program! Thanks for choosing Accredited Debt Relief!

Verified Customer

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Charles
November 19th, 2019 DETAILS
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It has been just fine. Lots of emails to keep up with and I am not the best with technology.

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Reply from Accredited Debt Relief

Nov 19, 2019

We appreciate the honest review! Thanks for your choosing Accredited Debt Relief!

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Mike
November 19th, 2019 DETAILS
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They have been prompt and helpful. Time will tell as I've only been in the program for 2 weeks.

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Reply from Accredited Debt Relief

Nov 19, 2019

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

Verified Customer

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James Shattuck
November 19th, 2019 DETAILS
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So far excellent. Have only been in the program for about 2 months.

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Reply from Accredited Debt Relief

Nov 19, 2019

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!

Verified Customer

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Erika
November 19th, 2019 DETAILS
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$18,000 in credit card and loan debt. They explained the procedure very thoroughly to me and I felt comfortable throughout the whole process.

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Reply from Accredited Debt Relief

Nov 19, 2019

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!

Verified Customer

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Oscar
November 19th, 2019 DETAILS
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Too early to know. I just started the program I can say the counselors are very helpful.

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Reply from Accredited Debt Relief

Nov 19, 2019

We are glad to hear your positive feedback regarding your debt relief program! Thanks for choosing Accredited Debt Relief!

Verified Customer

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Ana
November 19th, 2019 DETAILS
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It's been great ! Answers questions clearly

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Reply from Accredited Debt Relief

Nov 19, 2019

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!

Verified Customer

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Pat Luther
November 19th, 2019 DETAILS
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personal relief from my debts. ease of communication. transactions done on computers.

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Reply from Accredited Debt Relief

Nov 19, 2019

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!

Verified Customer

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Robert Pavolka
November 19th, 2019 DETAILS
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They are allways there for you to answer any questions you might have. Very fast respoence time!!!!!!!!!

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Reply from Accredited Debt Relief

Nov 19, 2019

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

Verified Customer

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Christine
November 19th, 2019 DETAILS
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It's great if you have no credit and you don't care if your credit rating is ruined.

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Nancy Hower
November 19th, 2019 DETAILS
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I'm concerned due to credit card companies still contacting me.

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Reply from Accredited Debt Relief

Nov 19, 2019

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

Verified Customer

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Delfred
November 19th, 2019 DETAILS
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The action they took to relieve my debt as quickly as possible....

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Reply from Accredited Debt Relief

Nov 19, 2019

Thank you for choosing Accredited Debt Relief and for sharing your positive review with us.

Verified Customer

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Mark
November 19th, 2019 Gilroy, CA DETAILS
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Well I just started with them and so far it's been ok.But I ready dont have to much experience with them yet.

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Reply from Accredited Debt Relief

Nov 19, 2019

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

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Brenda
November 18th, 2019 Deltona, FL DETAILS
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I recently enrolled in a debt relief program with Accredited Debt Relief and i already feel as if a weigh has been lifted Christopher W, the Account Executive I spoke with was very knowledgeable and kind and took the time to throughly explain the program to me and answered all of my questions. I’m looking forward to working with Accredited Debt Relief to play off my debt and restore my credit.

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Reply from Accredited Debt Relief

Nov 19, 2019

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!

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Janice Ferrell
November 18th, 2019 Phenix City, AL

Kyle was very helpful and went way out of his way to help me find the exact plan that I could work with and help change my life financially.

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Reply from Accredited Debt Relief

Nov 19, 2019

We look forward to your continued success with Accredited Debt Relief! Thank you for choosing us!

Verified Customer

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Cassie
November 14th, 2019 DETAILS
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The customer service representative, Mr. C, is very friendly and helpful. He takes time to thoroughly explain the answers to any questions that you might have. He calls to check on you periodically to see if you have questions and to wish you well.

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Reply from Accredited Debt Relief

Nov 15, 2019

Thank you so much for taking the time to leave us this amazing review. We look forward to your success in the program.

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Afandi Gunawan
November 14th, 2019 DETAILS
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Very good service to help people to get out from debt.

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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Kathy Patterson
November 14th, 2019 DETAILS
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I am just getting started with the program however service and experience so far as Ben outstanding. Blake is my representative and I have appreciated him from our very first conversation. Thanks Blake for jandling constant questions and for assuring me about the process. I look forward to our continued collaboration.

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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Don
November 14th, 2019 DETAILS
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Excellent service and response time. Will recommend to others

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Reply from Accredited Debt Relief

Nov 15, 2019

We appreciate your review and for taking the time to give us a 5-star rating. Thank you for choosing Accredited Debt Relief!

Verified Customer

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Eva
November 14th, 2019 DETAILS
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OK, but why is no change yet? All the creditors keep sending note that payment is due, and nothing happens.

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Reply from Accredited Debt Relief

Nov 15, 2019

We look forward to your continued success with Accredited Debt Relief! Thank you for choosing us!

Verified Customer

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Linda Cannon
November 14th, 2019 DETAILS
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So far they have been very helpful. They always send emails of any transactions.

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Reply from Accredited Debt Relief

Nov 15, 2019

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!

Verified Customer

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kevin moses
November 14th, 2019 DETAILS
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i attempted to join this program. But due to the length of time that has to lapse i withdrew from the program. I shouldnt have to ruin my credit or my trustworthyness to complete this program.

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Allison Lee
November 14th, 2019 DETAILS
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I have just started the process but everyone has been super helpful and explained everything to me very thoroughly.

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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Marie Potter
November 14th, 2019 DETAILS
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Discussing the information needed to apply is personally is intimidating to share. It was very comfortable to speak with everyone in ACD. They are professional, friendly and compassionate.

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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Curtis
November 14th, 2019 DETAILS
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Everyone has been so helpful and informative. They make sure that you understand

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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Brice B
November 14th, 2019 DETAILS
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Easy and affordable, very courteous customer service

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Reply from Accredited Debt Relief

Nov 15, 2019

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

Verified Customer

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charlie kastens
November 14th, 2019 DETAILS
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trying to knock down debt Proceding at my own speed and their patience

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Reply from Accredited Debt Relief

Nov 15, 2019

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

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Maria
November 12th, 2019 Brentwood, NY

I was satisfied with the speedy customer service and process. All was completed the same day and with excellent customer service including the knowledge they had for the program.

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Reply from Accredited Debt Relief

Nov 13, 2019

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

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Hattie Frost
November 7th, 2019 Salt Lake City, UT

My experience working with Mr. Daniel S was easy. He was very patience , and he has the knowledge and skills to explain each step to ensure that I was understanding the program. He want to ensure that I would have a successful outcome with the program.

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Reply from Accredited Debt Relief

Nov 08, 2019

We appreciate your review and for taking the time to give us a 5-star rating. Thank you for choosing Accredited Debt Relief!

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nannette k griffy
November 7th, 2019 Edgewood, NM

I am working with Eric and he was very helpful and explained each step of the process to me while on the phone. Accredited Debt Relief was quick to approve me and I feel very confident that I will reach my goals of reducing my debit in record time. I will be in contact with them and may see if they have solutions to help me remain out of debt when I finish the program.

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Reply from Accredited Debt Relief

Nov 08, 2019

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!

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Steven
November 5th, 2019 Selma, CA

Justin was very patient with all my questions and gave very detailed answers.

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Reply from Accredited Debt Relief

Nov 06, 2019

We appreciate your review and for taking the time to give us a 5-star rating. Thank you for choosing Accredited Debt Relief!

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Susan
November 5th, 2019 Wimauma, FL

She was very helpful & informative. Very patient listening to me.

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Reply from Accredited Debt Relief

Nov 06, 2019

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!

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Joyce & Dallas Robinson
November 4th, 2019 Waynesboro, VA DETAILS
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We were very impressed with the overall experience talking to Mike C about the program. Everything was explained in a manner to where you could understand things, along with asking questions. We didn't feel rushed or pressured. We were walked through every step what we had to sign & every paragraph was explained one by one. This company makes you feel they are professionals in what they do.

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Reply from Accredited Debt Relief

Nov 26, 2019

We appreciate your review and for taking the time to give us a 5-star rating. Thank you for choosing Accredited Debt Relief!

Verified Customer

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Linda S.
November 4th, 2019 DETAILS
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Very accommodating and pleasant to talk with. Very knowledgeable.

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Reply from Accredited Debt Relief

Nov 04, 2019

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

Verified Customer

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Steven
November 4th, 2019 DETAILS
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They have been very helpful , and they make everything very ease to follow . So that you can get out of debt and get your life back in track

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Reply from Accredited Debt Relief

Nov 04, 2019

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

Verified Customer

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Ronn
November 4th, 2019 DETAILS
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I'm new to this whole experience but I have been impressed by their proficiency and professionalism in my debt Relief program

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Reply from Accredited Debt Relief

Nov 04, 2019

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

Verified Customer

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Daniel Ferguson
November 4th, 2019 DETAILS
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There has been lots of communication and support during the first steps which is helpful.

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Reply from Accredited Debt Relief

Nov 04, 2019

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

Verified Customer

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Terry Harding
November 4th, 2019 DETAILS
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It a fun and exciting company to work for. Also i like the fact that we are helping people change there lives.

Verified Customer

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Sophia Di San Martin
November 4th, 2019 Modesto, CA DETAILS
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They explained in detail & nothing was hidden. I had a bad past experience with Freedom _ebt Relief putting me in a high interest rate loan. The loan would have had me paying back more than I initially owed in debt. I was deceived & tricked. Accredited _ebt Relief was honest & explained how much I'd pay back with the fees only & no interest!!

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Reply from Accredited Debt Relief

Nov 04, 2019

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

Verified Customer

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Gilberto Suarez
November 4th, 2019 Hayward, CA DETAILS
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Outstanding more than I expected all personal provide an excellent client service

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Reply from Accredited Debt Relief

Nov 04, 2019

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!

Verified Customer

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Beverly Taylor
November 4th, 2019 Ventura, CA DETAILS
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Very good service. I didn't end up using because I had forgotten another large debt that I needed to include. I knew when I did that I would probably not be able to use their services. They would have declined.

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Reply from Accredited Debt Relief

Nov 04, 2019

We are glad to hear your positive feedback regarding your debt relief program! Thanks for choosing Accredited Debt Relief!

Verified Customer

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Anonymous
November 4th, 2019 Los Angeles, CA DETAILS
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the representatives were informed and helpful

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Reply from Accredited Debt Relief

Nov 04, 2019

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!

Verified Customer

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Pane
November 4th, 2019 Tucson, AZ DETAILS
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Just started, so far good. I can't give a thourgh review because of the amount of time I have been with the plan. Check back in a few months and I will give a better opinion.

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Reply from Accredited Debt Relief

Nov 04, 2019

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!

Verified Customer

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H.S.
November 4th, 2019 Katy, TX DETAILS
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Very detail about what Accredited Debt Relief can do for you .Why you should go with their company.Gather your info.You make your decision on your payment plan.

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Reply from Accredited Debt Relief

Nov 04, 2019

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!

Verified Customer

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John Ervin
November 4th, 2019 Bossier City, LA DETAILS
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The associated were very patient and friendly. The knowledgeable staff made me feel at ease and hopeful. I will recommend you to friends

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Reply from Accredited Debt Relief

Nov 04, 2019

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