For nearly 20 years, Superior Debt Relief has been helping customers settle debts as an alternative to bankruptcy. Although they require clients to have at least $10,000 in debt, they aim to get those debts settled in 12 to 36 months. One of the main drawbacks is the lack of accreditation from the AFCC.

The Good

  • Industry accreditation with the IAPDA
  • Resolves most debt in 12 – 36 months
  • Free debt consultation over the phone
  • Very high level of customer satisfaction

Experience

Superior Debt has been running longer than most competitors, which allows clients to take advantage of long-established relationships between debt specialists like SDR and their creditors to get better rates. Couple this with an IAPDA accreditation, and SDR brings a lot to the table.

Good Reviews

Their customers seem to agree based on reviews and reports from this site and others. In particular, clients often highlight appreciation over the knowledgeable, attentive, and understanding customer service staff. Many expressed appreciation for their debt counselor in helping them to reshape their financial habits on an ongoing basis.

Free Consultation

To help consumers determine how the company can help and what they can achieve, Superior Debt Relief offers a free consultation. We like to see companies offer free consultations because it shows that the company is willing to discuss its services and how it may or may not be able to help a potential client in settling debt.

The Bad

  • No AFCC Accreditation (a major industry accreditation)
  • Consolidation services are only available in 32 states
  • No company executive page to see who you’re working with

Missing Accreditations

For a company as established as Superior Debt, the absence of an AFCC accreditation is noteworthy and may prompt questions about its business practices. Having this accreditation would help put SDR above some of the competition. Along with the missing AFCC accreditation, the company makes no mention of being in compliance with FTC rules and regulations.

Limited Availability

The biggest concern for most is availability; SDR won’t work with you if you live outside their 32-state service area.

High Minimum Debt Requirement

In order to be access Superior Debt’s services, you must owe at least $10,000 or more, which is higher than industry average.

Want to know which debt consolidation companies are top rated? Click Here

The Bottom Line

Superior Debt has an average price point and a few industry accreditations, but at the end of the day, they’ve been in business for a long time and their customer reviews have been consistently favorable over that timeframe.

At the end of the day, so many customers can’t be wrong and so we recommend calling Superior Debt if you owe more than $10,000 and live in their service area. For those owing less or living elsewhere, we recommend working with another company.

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Frequently Asked Questions

How Much Does Superior Debt Relief cost?

Clients pay an average of 19 percent of the debt they enroll.

Can I Get A Free Consultation?

Yes, Superior Debt Relief offers a free consultation.

What Types of Debt Does Superior Debt Relief Work With?

They work with unsecured debt only, as do most other settlement companies. Secured debts, or debts in which a creditor holds something of value as collateral, cannot be added to your settlement program because such debts are rarely negotiable. However, Superior is willing to help you resolve what you owe on the balance of secured loans if the collateral is repossessed or foreclosed.

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

Individuals with at least $10,000 of unsecured debt are candidates for their program. Debtors considering a settlement program will have the most success if the majority of their debt is outstanding credit card debt, because it is the most negotiable. Customers should also have a monthly budget so they can faithfully make payments, as well as a genuine commitment to avoid bankruptcy.

More Information

About Superior Debt Relief

Superior Debt Relief was established in 1998 in order to help consumers lower their credit card debt while encouraging them to develop smart financial habits. The company has even lobbied Congress for consumer advocacy legislation. To initially help consumers, the company offers a free consultation to get started on the pathway to a debt-free life.

Price

Undisclosed

Account Set-Up

  • Free consultation: Yes; Free Debt Analysis
  • Personal consultant during the settlement: No

Accreditations

  • AFCC accredited: No
  • IAPDA accredited: Yes

Time in Business

Begin in 1998

Minimum Debt Requirement

$10,000

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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52 Superior Debt Relief Reviews

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  1. User Score

    10

    June 14th, 2016 San Antonio, TX

    Dee was awesome! She was almost always available to me, was super friendly and made sure I understood all of the terms and the process throughout my settlement. SDR/Dee were able to reduce my debt owed from $30K to a little over $10K. I was able to pay it off and move on with my life.

    I have highly recommended them to everyone that has mentioned crippling debt and I hope they continue their business practices/customer service.

    Although I am taking every precaution to stay out of debt, if I ever needed to seek out debt settlement again, I would absolutely choose SDR in a heartbeat.

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  2. User Score

    10

    February 6th, 2016 Scranton, PA

    Superior Debt Relief is awesome! I was over $40,000 in debt and felt I would never pay my charge cards off. My sister in law told me about Superior Debt because she also had debt to resolve…They evaluated my situation and set up a repayment plan that was easier for me to manage. Within 3 years I was done and debt free! They kept me informed every step of the way and made this process bearable! Thank you Dee and everyone who worked on my case!!!

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    1

  3. User Score

    10

    September 18th, 2015 New Port Richey, FL

    I am so grateful for Superior Debt! They made an intimidating situation much easier to deal with. Dee was great. She always kept me informed and aware of what the next steps would be…and when I needed some reassurance she was able to help me. Thank you Dee and everyone who may have helped me along this journey.

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    4

  4. User Score

    10

    August 10th, 2015 Sandwich, MA

    Awesome customer service! The staff is very understanding! Right from the beginning we knew how efficient and professional the staff was! It took a little longer than anticipated, but we are finally debt free! Thank you Superior Debt Services!

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    5

  5. User Score

    10

    August 8th, 2015 Lake George, NY

    Almost 4 yrs ago I started my quest for a company I could work with in helping to resolve our credit debt when securing a job just wasn’t working at the time. I had originally started to work with another company, and the rep I had started to work with was great in helping me, step by step to see the differences in the two. It was easy to see I needed to cancel the other company and started to work with Superior. They have kept me informed, when a rep left and retired, I had a call made directly to me explaining why, who was the replacement and they were also as knowledgeable and willing to help as the next. Sometimes in life there are circumstances occur that are BIGGER then us, and if that happens to you, give them a call you will not be disappointed and guaranteed you will start to sleep at night!

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    3

  6. User Score

    10

    August 7th, 2015 Newnan, GA

    Superior Debt really cares about their clients!

    The staff goes above and beyond to assist with any questions or concerns you may have

    As of today, we are debt free and we owe it all to the wonderful folks at Superior

    Please call today and join the program to become “Debt Free”

    Thank you so very much Les and Amy for all of your assistance and guidance

    Wish you both and Superior continued success!

    Patty

    “Debt Free”

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    3

  7. User Score

    10

    July 30th, 2015 Minneapolis, MN

    after selling my business, which was not a profitable sale in 2007, my family was in huge credit card debt. the credit card companies were not willing to negotiate or set up a payment . I could see many years of payments and interest charges. I found Superior Debt in Fort Collins Colorado on the internet, I was skeptical at first and did not understand how this would work. this was all explained very well as they provided references and written information about their business. I was going through a rough time and I knew I created this problem, but the credit card companies continued the harassment and high interest charges. Superior Debt came to my rescue, it took some time but together we got it done. Amy and Les were great people to work with.

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    5

  8. User Score

    10

    July 28th, 2015 NC

    I was very pleased with the service that I received from Superior Debt. They worked diligently to negotiate settlements on all of our cards that we enrolled and we finished paying off our debt faster than we anticipated.

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    4

  9. User Score

    10

    July 17th, 2015 Pine Grove, PA

    This company performs a service for people who don’t know where to turn or who to trust. After 3 months into the program and things start to happen for you. Your choice will be validated, then when things get tough learning how to live without credit cards your counselor will get you through all the hard times. Great job will done
    Bruce

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    4

  10. User Score

    8

    July 16th, 2015 Superior, AZ

    Super Debt Relief helped put me back on track with their debt services. They were very personable, helpful and easy to work with. I would recommend this company.

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    3

  11. User Score

    10

    July 13th, 2015 Charlotte, NC

    So many companies to choose from and I’m thrilled I was connected with Superior! After a difficult divorce, I found myself in a very negative debt position. Marie was awesome and was there from start to finish over a four year period. Today, the credit score is solid and my finances are back in order thanks to the team at Superior. Many thanks!

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    3

  12. User Score

    10

    July 10th, 2015 Brooklyn, NY

    I feel blessed to write a review for Superior Debt. I was in a financial bind and had over 40,000 in debt. In less than 3 years they were able to help my settle and pay it off. Marie Chamberline from Superior Debt guided me every step of the way. I recommend this to anyone looking to get out of debt. They know exactly what they are doing and set up a plan to help you in minimal time.

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    5

  13. User Score

    9

    July 9th, 2015 Littleton, CO

    We really appreciated the way Superior Debt Service took care of us when we consolidated our debts. Marie kept in touch with us and let us know when a creditor worked things out with them. We would certainly recommend Superior Debt to anyone who is having trouble paying their credit accounts.

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    3

  14. User Score

    10

    July 7th, 2015 Manchester, NH

    The best decision we ever made was when we entrusted Superior Debt to help us with our huge debt. We have learned a valuable lesson and have felt such relief after going through the program. We are debt free and plan on staying that way. We can now retire with the knowledge that we have no debt. We came out of the program feeling so proud of ourselves. We had no shame in asking for help. Superior Debt treated us always with kindness and respect. We would definitely recommend Superior Debt. We thank all of the counselors that helped us throughout our time with them. From the beginning to the end, we never were alone.

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    5

  15. User Score

    8

    July 5th, 2015 Meadville, PA

    My representative always answered my questions and helped me through the process. There was never a hidden agenda and all program principles were presented in an upfront manner. They were even able to help me find that an unauthorized account had been opened in my name that was harming my credit.

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    1

  16. User Score

    6

    June 30th, 2015 Sharon, MA

    The individuals who guided me through the process were courteous and helpful. The cost of the program, I believe, is too expensive and is exploitative when people are in trouble. I would not recommend a debt relief program to my family and friends, but encourage them to work directly with the credit card companies.

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    4

  17. User Score

    10

    June 29th, 2015

    Marie Chandelier was my agent. She always had time for me to answer all questions, and a lot of patience during difficult times. I recommend this company and their services.

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    1

  18. User Score

    10

    June 24th, 2015 Wylie, TX

    The company from the initiation call to legal assistance was awesome. Every step of the way I felt supported.

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    1

  19. User Score

    8

    June 20th, 2015 Owings Mills, MD

    The process was exact and well defined. The service reps were very informative, and did an excellent job of walking me through each step.

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    1

  20. User Score

    10

    June 17th, 2015 Pittsburgh, PA

    I have to say, when I started this program 2 1/2 years ago I couldn’t see a light at the end of the tunnel, but I was paired with Marie Chamberlain and she is awesome!! Thru all my doubts and questions she calmed my nerves and walked me thru alot of issues! I couldn’t of asked for a better person to help me thru this. I never met her, but I feel Ive made a great friend thru this! I will never be able to thank her enough for what she did! Great company!

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    2