Best Debt Companys

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#2

Accredited Debt Consolidation

Accredited Debt Consolidation negotiates a consolidated debt amount that is reasonable to pay back.

Our Score
8.6
User Score
9.6

Call now for your free consultation!  1-(855) 281-6216

Our Score
8.6
User Score
9.6
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

$10-$40

Setup & Activation Fee

$0-$100

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

294

This Review is maintained by Chase Sagum

Review Last Updated: June 19, 2019

The Good

  • Program benefits
  • Free consultation
  • Online management
  • Enrollment

Program Benefits

A dedicated debt specialist will evaluate each client’s financial situation and match them with the best debt consolidation program for their needs. These programs provide solutions that allow for better management of all credit obligations. With the Accredited Debt Consolidation program, clients can expect to work towards financial freedom with the following capabilities:

  • Reduction of monthly payment – this is achieved by negotiators working with your creditors to get your monthly payments to a lower, more manageable amount
  • Elimination of multiple creditors – there may be a solution with creditors that allows for complete elimination
  • Lower interest rates – rather than paying obscene credit card debt interest rates, Accredited typically gets rates down to a manageable 7.9 percent
  • Straight-forward bill-paying process – paying back your debt and for debt consolidations services are made easy with online access
  • Avoid delinquencies – no more delinquencies will be reported or reflected on your credit score

Free Consultation

Finding out which company or debt consolidation option is best for your financial situation can be difficult and time-consuming. Accredited Debt Consolidation has found a way to streamline this process by providing free quotes and consultations. By simply calling Accredited at 866-345-5007, prospective clients will be able to go over their specific situation to find out which program will reap the greatest results.

Online Management

Clients are never left in the dark when it comes to what is being done with your case. With an online account, clients will be able to see what stage their negotiations are in and start to see the results of the Accredited team. Accounts can be accessed online, at any time, and from both desktop and mobile devices.

Enrollment

Following the free consultation and subsequent decision to enroll in the Accredited debt management program, the process to get started is relatively simple and fast. Once you sign up, negotiations begin within one to two weeks. Now, that does not mean your debt will be consolidated that quickly, but the program and the work start within the first five to ten business days.

Get started with Accredited Debt Consolidation

The Bad

  • Debt settlement focus
  • Availability

Debt Settlement Focus

There are a number of debt relief solutions associated with the debt consolidation program and debt consolidation loans. However, Accredited Debt Relief typically focuses on providing debt settlement services despite offering various debt relief options including debt consolidation. While this focus does not necessarily mean that they will not provide you with necessary help, it is important to note where the majority of their business comes from.

Availability

The number of current states that Accredited Debt Consolidation can operate in is rather disheartening. At the present time, only eight states have access to the debt consolidation branch of services offered by Accredited. Only residents that live in the following states will be able to use Accredited for debt consolidation: Iowa, Idaho, Indiana, Maryland, Minnesota, Missouri, Montana, and Texas.

The Bottom Line

With Accredited, clients will be able to almost immediately see work being done on their case as they work towards financial freedom. That being said, there are some questions surrounding their accreditations and ability to service a vast majority of the country. For those that live in a state where Accredited debt consolidation operates, it may be worth obtaining a free quote and taking advantage of the free consultation to see if the service fits your specific financial needs.

About Accredited Debt Consolidation Solutions

Accredited Debt Relief works to relieve people of the stress credit card debt and other forms of unsecured debt can cause. The Accredited Debt Relief team will work with creditors on your behalf to consolidate the debt and make it easier to become debt free.

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We'll Introduce you!

Call our recommended rep over at Accredited Debt Consolidation below.

1-(855) 281-6216
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294 Accredited Debt Consolidation Reviews

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  1. User Score
    10
    July 19th, 2017 Arlington, TX
    0 people found this review helpful!
    Brandon was very nice and pleasant . He was very informative and explained the process clearly.

    Thank You,

    Shirley Smith

    Read More
  2. User Score
    10
    July 19th, 2017 Katy, TX
    0 people found this review helpful!
    I am very happy to be a part of a great company! Mark T really made me feel at ease about the process!
    Read More
  3. User Score
    10
    July 18th, 2017 Ashburn, VA
    0 people found this review helpful!
    Mr Daniel T was incredibly helpful and was quite knowledgeable, he made it easy for us to understand and walked us through the process, he is also very courteous and patient. A much appreciated Thanks to him. Respectfully; Shaikh and Rosina Abdullah.
    Read More
  4. User Score
    10
    July 18th, 2017 Dover, NJ
    0 people found this review helpful!
    Awesome service, very informative representative, Very happy with the program she found for me. Thank You Karina !!!!
    Read More
  5. User Score
    8
    July 17th, 2017 Bronx, NY
    0 people found this review helpful!
    Chelsi from Accredited Debt Associates did a great job helping walk us through a potentially difficult process. She was professional, warm and knowledable and really seemed to care about our well being. The other people we dealt with were also warm and professional. I would highly recommend them.
    Read More
  6. User Score
    10
    July 17th, 2017 Syracuse, NY
    0 people found this review helpful!
    Joe was great and very thorough. Highly recommended!
    Read More
  7. User Score
    10
    July 17th, 2017 Austin, TX
    0 people found this review helpful!
    Christopher K has provided excellent service. Has has answered all my questions and walked me through the entire process.
    Read More
  8. User Score
    9
    July 14th, 2017 Brooklyn, NY
    1 people found this review helpful!
    Elijah W is hands down the best man for this job. When he called me initially I was very guarded and couldn’t hear anything that he had to say. He patiently talked me down off the ledge, sent links via email to me so that I could physically see what the better business and other agencies are saying about the company, then he carefully re-explained the offer to me. Additionally he informed me about why I would benefit from the offered debt savings plan that was prescribed for me. I would absolutely encourage anyone and everyone to have a talk, sit down with this beautiful gentleman so that he might assist them with clearing up outstanding debt.
    Read More
  9. User Score
    10
    July 14th, 2017
    1 people found this review helpful!
    Jeremy was great he gave me all my options and never pressured me and ended up coming back and am doing the program now.
    Read More
  10. User Score
    10
    July 14th, 2017
    0 people found this review helpful!
    he was great explained everything wonderfully.
    Read More
  11. User Score
    10
    July 14th, 2017 New Orleans, LA
    0 people found this review helpful!
    Very professional
    Read More
  12. User Score
    10
    July 14th, 2017 Fairbanks, AK
    0 people found this review helpful!
    Very helpful in dealing with your credit and working on a solution.
    Read More
  13. User Score
    10
    July 14th, 2017
    0 people found this review helpful!
    Nick is a very friendly and helpful person. He answered all my questions and reassured us that things would be done in a professional manner.
    Read More
  14. User Score
    10
    July 13th, 2017 Council Bluffs, IA
    0 people found this review helpful!
    Made the process pleasant & easy
    Read More
  15. User Score
    10
    July 13th, 2017 Albuquerque, NM
    0 people found this review helpful!
    The agent explained everything so that I could understand.
    Read More
  16. User Score
    10
    July 13th, 2017 Benton, AR
    1 people found this review helpful!
    I am very pleased with the service I have received!! It’s a huge burden lifted off of my shoulders.Ben was extremely thorough, professional and personable. I highly recommend using this company to consolidate your debts and regain control of your finances!
    Read More
  17. User Score
    10
    July 13th, 2017
    0 people found this review helpful!
    Great customer service. Kristin was knowledgeable and helpful.
    Read More
  18. User Score
    9
    July 13th, 2017
    0 people found this review helpful!
    Magnum was very professional and helpful. He explained and made sure to answer any questions or concerns I had.
    Read More
  19. User Score
    10
    July 12th, 2017 New Iberia, LA
    0 people found this review helpful!
    Very informative .. could of had an better experience.. Aaron was very sweet and helpful
    Read More
  20. User Score
    10
    July 12th, 2017 Palm City, FL
    0 people found this review helpful!
    Excellent. Very professional. Answered all of my questions. Enrollment was quick & easy
    Read More
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

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Our Score
8.6
User Score
9.6
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

$10-$40

Setup & Activation Fee

$0-$100

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

294
Our Score
9.1
User Score
9.4
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Up to $79

Setup & Activation Fee

$0-$49

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

Yes

Number of Reviews

427