Accredited Debt Relief works with a highly experienced team of negotiators to help customers settle debt from credit cards, medical expenses, and unsecured 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 by the AFCC, IAPDA, and San Diego Regional Chamber of Commerce. These are the top national accreditations a debt settlement company can have.

The Good

  • Reasonable fees of 15 to 25 percent
  • Customers are given one representative to work with
  • Several accreditations

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. This pricing is about right for the debt settlement industry, but it is nice that Accredited will spread it’s fees out over the course of the 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.

Free Consultation

Accredited Debt Relief provides a free debt consultation. Programs are well outlined on their website, and they assign customers one representative throughout the entire settlement process. On top of a free consultation, the company offers a personalized approach to every person’s financial situation. If you come to them thinking you need settlement, they will only move forward if settlement is the right option for you.

Highly Accredited

Regarding accreditations, Accredited Debt Relief has more than the average debt company. The company is accredited with the IAPDA, 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) 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:

  • 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. Settlements shown range from paying 11 to 50 percent of client debt.

Positive Accredited Debt Relief Reviews

In Accredited Debt Relief reviews, clients value their knowledgable staff. Additionally, customers note that the company’s representatives make them feel comfortable throughout the process. One reviewer stated that they wish they had called Accredited Debt Relief sooner.

See If You Qualify

The Bad

  • Less than ten years in the industry
  • Only available in 34 states
  • A few customer complaints

Time In Business

One downside to Accredited Debt Relief is that it hasn’t been in business as long as some of its competitors. The company was founded in 2008. Other companies have been around since the mid to late 90s.

State Availability

Accredited Debt Relief is only available in 34 states and Washington D.C. The states that are not serviced are: CO, CT, DE, GA, HI, KS, KY, ME, NH, NJ, ND, OR, SC, VT, WA, WI.

Negative Customer Reviews

Some customers complained that they wish the company would’ve explained the debt settlement process in more specific detail. However, there were only a select few who stated this.

The Bottom Line

Accredited Debt Relief is one of the most highly accredited debt settlement companies we have seen. We love that the company is accredited with the AFCC, and the IAPDA. Not only do they offer a free consultation, but they assign you one representative to guide you throughout the entire process. If your state is eligible, and you have over $7,500 debt, we highly recommend you explore this company.

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Frequently Asked Questions

How Much Does Accredited Debt Relief Cost?

Settlement usually costs around four to eight percent annually rate per year of total debt enrolled. The fee depends on the amount of debt they have, the state they live in, etc.

Can I Get A Free Consultation?

Free consultations are available by calling their toll-free number, or submitting the online form.

What Types of Debt Does Accredited Debt Relief Work With?

Only unsecured debt is enrolled into Accredited Debt Relief’s programs. These include bills for credit cards, medical expenses, and unsecured lines of credit.

What Is the Minimum Debt Amount I Can Sign Up With?

$7,500 is the minimum amount of debt Accredited will accept for consolidation or debt settlement.

More Information

About Accredited Debt Relief

Accredited Debt Relief has partnerships with some of the best debt relief companies around. The negotiators that the company uses have settled thousands of accounts with businesses, families, and individuals. As an alternative to bankruptcy, consolidation, or credit counseling, the company works hard to negotiate settlements with your creditors for less than the full amount owed. Their team strives to put each client first throughout the settlement process.

Price

Four to eight percent annually of the debt you enroll. The average enrollment is for approximately 48 months.

Account Set-Up

  • Free consultation: Yes
  • Personal consultant during the settlement: Yes

Accreditations

  • AFCC accredited: Yes
  • IAPDA accredited: Yes

Time in Business

2008

Minimum Debt Requirement

$7,500

AVAILABLE IN 34 STATES

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Wasington D.C.
  • Florida
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Wyoming

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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292 Accredited Debt Relief Reviews

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  1. User Score

    10

    January 19th, 2017 Huntsville, AL

    Very professional and courteous. Marlon was very helpful. I am relieved.

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    1

  2. User Score

    10

    January 18th, 2017

    Kelsey was very attentive to my needs and worked to find the best solution for my situation. She kept me well informed of the process and answered all my questions.

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  3. User Score

    10

    January 18th, 2017

    Very good service, very prompt an quick!

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  4. User Score

    10

    January 18th, 2017

    Todd was excellent! I am very much at ease with doing the whole debt relief thing.

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  5. User Score

    10

    January 18th, 2017 Santa Rosa, CA

    Marlon has been the perfect example of great customer service. He explained everything very clearly and also managed not to bore me (since I have a short attention span). The one thing that I truly appreciated was that he didn’t bombard me with phone calls every day, which really helped me realize that the help is there, but only if I want it. So, I really want to thank Marlon for helping me get the financial help I need and helping me grow individually. He has been nothing, but helpful in the short time we’ve spoken. I look forward to working with him and the others to help me get my financial life back on track.

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  6. User Score

    10

    January 17th, 2017 Los Angeles, CA

    I just started with this program, I’m looking forward to work closely with the FDR team in order for me to handle my debt better.

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  7. User Score

    10

    January 16th, 2017

    Marlon has helped more than he knows, never did he make me feel embarrassed or ashamed. THANK YOU SO MUCH MARLON. YOU HAVE AWESOME CUSTOMER SERVICE

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  8. User Score

    10

    January 14th, 2017 Tarpon Springs, FL

    Raul was so patient and answered ALL my questions!!

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  9. User Score

    10

    January 11th, 2017 Albuquerque, NM

    Thank you Eduardo, it was a pleasure speaking and consolidating with him! Great specialist!

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  10. User Score

    8

    January 11th, 2017

    New to program but so far so good. Professional, knowledgeable and courteous.

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  11. User Score

    10

    January 11th, 2017 Thorp, WI

    Colin was very knowledgeable and explained things so I understood what I was getting into.

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  12. User Score

    10

    January 11th, 2017 Bridgton, ME

    Erin was so professional and yet friendly and encouraging.

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  13. User Score

    10

    January 10th, 2017

    Ryan was great! Very informative and helpful.

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  14. User Score

    10

    January 10th, 2017 Dansville, MI

    Nick was extremely helpful. He answered all my questions.

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  15. User Score

    10

    January 9th, 2017

    Marlon was very thorough and helpful. He explained all aspects of the program very carefully.

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  16. User Score

    10

    January 9th, 2017 Parkville, MD

    Tony was very helpful in answering all of my questions and very patient in me taking my time in understanding everything through this difficult decision. I look forward to paying of the debt through Freedom Debt Relief after I took a large hardship in Surgery Bills.

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  17. User Score

    10

    January 9th, 2017 Durant, OK

    Kelsey was most helpful and and a wonderful person to visit with! Outstanding customer service and guidance.

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  18. User Score

    10

    January 7th, 2017

    Yesterday I had the pleasure of working with Erin. She was extremely polite, informative and very helpful. She explained the entire process to me and really made me feel at ease. She helped take a very large load of stress off of my shoulders.
    Great person to work with!!!!

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  19. User Score

    10

    January 6th, 2017

    all the representatives were very easy to understand, spoke clearly and made me feel that I was a important asset and In the end I felt confident that I was doing the right thing. I enjoyed speaking with each member, they knew the product they were representing well by answering every questions and concerns I gave them. Thank you for everything and look forward to working with this group in the following months.

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  20. User Score

    10

    January 6th, 2017 Casa Grande, AZ

    I want to thank you 100% for your help getting out of credit card debt. You have been a great help.

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