Accredited Debt Relief vs InCharge Debt Solutions

Jenna Vasquez
Jenna Vasquez | Contributor
Accredited Debt Relief offers both debt settlement and debt consolidation programs. InCharge Debt Solutions only offers debt consolidation. If you’re not sure if you want debt settlement or debt consolidation, Accredited Debt Relief is a good company to choose because it offers both services. 

For debt settlement, Accredited Debt Relief requires clients to enroll a minimum of $10,000 of debt.
Accredited Debt Relief logo verified_user
#7 Accredited Debt Relief
6.7 Overall Score
4.8
star star star star star
(1,351)
InCharge Debt Solutions logo
#28 InCharge Debt Solutions
4.5 Overall Score
3.5
star star star star_half star_border
(10)

Overview

Accredited Debt Relief

Lowest Cost

15–25%

Minimum Debt Requirement

$10,000

Services Offered

Debt Settlement, Debt Consolidation, Free Consultation

Accreditations

AFCC

Is Nonprofit

No

Time in Business

14 Years

InCharge Debt Solutions

N/A

None

N/A

N/A

N/A

Undisclosed

Ratings

Accredited Debt Relief

Overall Score
6.7 of 10
Review Score
4.8
star star star star star
Value for Money
4.2
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Quality of Product or Service
4.3
star star star star star_half
Company Trustworthiness
4.3
star star star star star_half
Likely to Recommend
8.6 of 10

InCharge Debt Solutions

4.5 of 10
3.5
star star star star_half star_border
3.0
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3.0
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3.0
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5.0 of 10

Reviews

Accredited Debt Relief

Number of Reviews
1,351
Review Breakdown
4.8
star star star star star
1 star
2%
2 star
0%
3 star
1%
4 star
11%
5 star
86%

InCharge Debt Solutions

10
3.5
star star star star_half star_border
1 star
30%
2 star
0%
3 star
0%
4 star
30%
5 star
40%

Reviews for Accredited Debt Relief

Helpful Favorable Review

star star star star star_border

Thomlyn Lovin

August 8th, 2022

DETAILS

While it was hard to figure out the price I’d have to pay for their services, Accredited Debt Relief was able to really help me out. I had a free consultation with one of their representatives who was able to walk me through the entire process and how I could save on my monthly payments.

Helpful Critical Review

star star_border star_border star_border star_border

MG

February 18th, 2022

Signing up with the company is easy and the person who helped me was very helpful and nice. However, if you choose to opt-out of the program you will get the worst customer service ever. Instead of calling you, they email you, and when you call you just get told a bunch of excuses. I'm sorry, but if you have time to write out a long email you have time to call me. If you know what is best for you DO NOT do business with this company.

Reviews for InCharge Debt Solutions

Helpful Favorable Review

star star star star star_border

ROY L CHASTEEN

September 21st, 2017

In Charge Debt Solutions handled my enormous debt very efficiently and professionally. Their counseling was good, and handled my debt well for two years. I am very pleased with the rates they negotiated for me. I give them a thumbs up for their work with my debt.

Helpful Critical Review

star star_border star_border star_border star_border

porsha

May 4th, 2019

DETAILS

terrible company they seem nice in the beginning but all they did is ruin my credit even more and taking my money monthly for no reason I plan on calling a lawyer about this soon DON'T WASTE YOUR TIME BEWARE!!

The Final Word

InCharge Debt Solutions and Accredited Debt Relief are most comparable in their debt management and debt consolidation programs. InCharge Debt Solutions charges about $30 per month for its debt consolidation program. It also charges a setup fee between $50 and $75. 

Accredited Debt Relief’s monthly costs tend to be lower in comparison. They range between $10 and $40. Accredited Debt Relief’s enrollment fee has a wider range from $0 to $100. While some clients may pay more with Accredited Debt Relief, some will have lower prices or about the same. 

Accredited Debt Relief also stands out because it also offers debt settlement services. Debt settlement negatively affects credit scores, so those considering debt settlement should understand the drawbacks and risks.
 
If you’re interested in debt settlement, Accredited Debt Relief is a great option. For these services it requires a minimum of $10,000 in debt. It charges about 20 percent of the total enrolled debt once the settlement process is complete. 

Whether you are looking for a debt management program or a debt settlement program, Accredited Debt Relief is a good choice for debt relief.

Top Choice

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Accredited Debt Relief

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