Accredited Debt Relief vs National Debt Relief

Kaitlyn Short
Kaitlyn Short | Senior Editor
While both National Debt Relief and Accredited Debt Relief offer quality debt settlement services, the companies have different minimum debt requirements. National Debt Relief requires clients to enroll at least $7,500 of debt. Accredited Debt Relief requires at least $10,000.

If you’re seeking debt consolidation or a debt management program, Accredited Debt Relief also offers these programs. There is no debt requirement for these programs. Accredited Debt Relief offers both debt consolidation and debt settlement, so it is advantageous for people still deciding which debt relief approach is best for them.
Accredited Debt Relief logo
#2 Accredited Debt Relief
9.4 Overall Score
5.0
star star star star star
(1,941)
National Debt Relief logo
#5 National Debt Relief
8.9 Overall Score
4.8
star star star star star
(3,712)

Overview

Accredited Debt Relief

Lowest Cost

N/A

Minimum Debt Requirement

N/A

Services Offered

Debt Consolidation, Free Consultation

Accreditations

AADR, CDRI

Is Nonprofit

No

Time in Business

14 Years

National Debt Relief

N/A

$7,500

Free Consultation, Debt Settlement

AFCC

No

16 Years

Ratings

Accredited Debt Relief

Overall Score
9.4 of 10
Review Score
5.0
star star star star star
Value for Money
4.4
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Quality of Product or Service
4.5
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Company Trustworthiness
4.5
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Likely to Recommend
8.9 of 10

National Debt Relief

8.9 of 10
4.8
star star star star star
4.6
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4.6
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4.6
star star star star star_half
9.0 of 10

Reviews

Accredited Debt Relief

Number of Reviews
1,941
Review Breakdown
5.0
star star star star star
1 star
2%
2 star
0%
3 star
1%
4 star
9%
5 star
88%

National Debt Relief

3,712
4.8
star star star star star
1 star
3%
2 star
1%
3 star
3%
4 star
10%
5 star
82%

Reviews for Accredited Debt Relief

Helpful Favorable Review

star star star star star

Trucker for Truth

December 14th, 2025

DETAILS

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Review Source

I found this company from a Google search of best debt relief companies. After getting the breakdown of my situation they have shown me some real solutions. Knowing I have a real plan to get debt free and out from under these predatory credit cards is a huge relief. Definitely light at the end of the tunnel now. Thank you!

Helpful Critical Review

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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 National Debt Relief

Helpful Favorable Review

star star star star_border star_border

Carole Harris

December 10th, 2025

DETAILS

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Review Source

I’m very glad one card has been settled, of course. The main thing about the program that I don’t like is that my credit rating is now terrible. Before I started with NDR, my credit rating was extremely high, even with all my debt. I am ashamed now, with one bank and at least two creditors not part of my NDR program either canceling my card or lowering the amount I could access.

Helpful Critical Review

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Emily Weatherfield

December 11th, 2025

DETAILS

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Review Source

If I would have known my credit score was going to tank the way it has now, as well as ruining my reputation of paying my bills, I would have NEVER done the program. I will be spending years trying to get my credit score back up to the 790-800 range it was before I started the program.

The Final Word

Because the costs of debt settlement services are regulated by state laws, the costs of settlement services from National Debt Relief and Accredited Debt Relief should be similar for similar debt amounts. The average cost of debt settlement services is about 20 percent of the enrolled debt.

National Debt Relief has a lower debt requirement ($7,500) than Accredited Debt Relief ($10,000). If you have lower amounts of debt, you may not qualify for Accredited Debt Relief settlement services.

However, for individuals with lower levels of debt, Accredited Debt Relief also offers debt consolidation and debt management programs. These programs do not have the same negative effects on your credit that debt settlement does. Accredited Debt Relief charges a monthly fee between $10 and $40 and a one-time enrollment fee between $0 and $100 for these consolidation services.

Accredited Debt Relief is a good choice whether you are seeking debt consolidation, management, or settlement services.

Top Choice

Accredited Debt Relief Logo
Accredited Debt Relief

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