Accredited Debt Consolidation
Accredited Debt Consolidation negotiates a consolidated debt amount that is reasonable to pay back.
Call now for your free consultation! 1-(855) 281-6216
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.
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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User Score100 people found this review helpful!Besides being an early riser (most convenient for me) James is exceptionally knowledgeable of
the products offered by this company. His adroitly navigated me through each of my options and his expertise was invaluable to me. This endeavor could have been very stressful,but James was so confident in the purpose and mission of your company,that by the time I needed to make a decision, I quite confident that I was making the correct one for my situation.
I am so glad that James answered my call this day. He is an asset to your company.Was this review helpful? YesRead More -
User Score100 people found this review helpful!After speaking with representative Andy to get initial information regarding Accredited Debt Relief and researching the company, I signed up.
Andy was very helpful and provided excellent customer, service which is one of the main reasons I chose ADR.
Andy put me at ease and at no point pressured me to sign on during our phone conversations.
I am looking forward to the support Andy will provide as needed as the program progresses.Was this review helpful? YesRead More -
User Score01 people found this review helpful!I had wonderful service until I decided to cancel the service. I followed the instructions in my agreement but have had no response from Accredited Debt Consolidation. I cancelled in April, 8 days after signing the agreement but have had my checking account debited three consecutive months. My representative, AJ B has not responded to my requests for help in cancelling my service. I am very disappointed. AJ was so helpful in the beginning of the process. I trusted his integrity, and the companies integrity. I was wrong to do so.Was this review helpful? YesRead 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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