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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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
    June 23rd, 2017
    0 people found this review helpful!
    Brandon M was very helpful in assisting us in our decision to sign up with Freedom Debt Relief. He gave us all the information we needed for our present situation as well as looking towards the future. He made signing up very easy and smooth for us.
    Read More
  2. User Score
    8
    June 23rd, 2017 Duluth, MN
    0 people found this review helpful!
    Trying to get some more of my life back been trying 8 years from divorce loosing job starting all over again and no money one gets behind and feels not getting caught up. I worry about everything and try so hard. I have cried a lot. Daughter having to move in as she has a low paying job and not getting child support her income does not cover much.so I end up with it all.
    Read More
  3. User Score
    10
    June 23rd, 2017 Glen Burnie, MD
    0 people found this review helpful!
    Matt made this so far very easy going, still a little fear of the unknown, but Matt lowered the unsettling feeling. He is very helpful and made me feel a little better about needing help in my financial world. He is truly much appreciated.
    Read More
  4. User Score
    10
    June 23rd, 2017 York, PA
    0 people found this review helpful!
    Sam was wonderful. Very knowledgeable and patient with explanations. Hopefully this continues to be a positive experience
    Read More
  5. User Score
    9
    June 23rd, 2017
    0 people found this review helpful!
    I am content with the professionalism Keneth has in contacting, and how he explaines him self in a business manner and everything I need to do to take care of my dept. I look forward to him changing my life being dept free with his helpful being!!!
    Read More
  6. User Score
    9
    June 22nd, 2017 Olive Hill, KY
    0 people found this review helpful!
    I FELT CHRIS WORKED VERY HARD FOR ME. I THOUGHT OF HIM AS A FRIEND.
    THANKS JOE K
    Read More
  7. User Score
    10
    June 22nd, 2017
    0 people found this review helpful!
    I found Ryan to be very pleasant. Up front about everything, answered all my questions. He put my mind at ease. Nice guy!
    Read More
  8. User Score
    10
    June 22nd, 2017
    0 people found this review helpful!
    Jeremy K helped me out I wasn’t sure if I wanted to do this debt relive because some are different and they try to get your money , but Jeremy explained everything to me and made me feel comfortable to go ahead with this and I feel that you will help me to do what I needed to do for a long time get out of debt, thank you Jeremy . I would recommend you to other people .
    Read More
  9. User Score
    10
    June 22nd, 2017
    0 people found this review helpful!
    This is Mary Lewis i want to thank Magnum T for helping me he done everything he was suppose to do sent me an e-mail to read then he went over it with me . He was very nice and polite i would tell my family about your company and i will recommend Magnum T. Once again Thank You so much Magnum T.
    Read More
  10. User Score
    10
    June 22nd, 2017 Oxford, NY
    0 people found this review helpful!
    Drew was patient and well informed. Yet not over bearing
    Read More
  11. User Score
    10
    June 22nd, 2017 Covington, LA
    0 people found this review helpful!
    Great customer service
    Read More
  12. User Score
    10
    June 22nd, 2017
    0 people found this review helpful!
    My agent Alicia was knowledgeable, helpful and patient. Everything was done in a timely and pleasant fashion.
    Read More
  13. User Score
    10
    June 21st, 2017 Greenville, NC
    0 people found this review helpful!
    John was awesome, very informative, compassionate and just an all around nice guy! Thanks for helping our family out! Our daughter has also signed up for the program and is on her way to being debt free!! THANK YOU!!!
    Read More
  14. User Score
    10
    June 21st, 2017
    0 people found this review helpful!
    You have a true asset in Mr. P. Well explained, thorough, and polite.
    Read More
  15. User Score
    9
    June 21st, 2017 Boerne, TX
    0 people found this review helpful!
    Brandon was very professional. Would recommend working with him on any debt relief issues.
    Thanks
    Jerry k. Mergele
    Read More
  16. User Score
    10
    June 21st, 2017 Orlando, FL
    0 people found this review helpful!
    Kimberly helped me get the best plan to help get our credit back in order and have less stress each month and save for retirement she explain everything to me to help me understand thank you
    Read More
  17. User Score
    9
    June 21st, 2017 Rochester, NY
    0 people found this review helpful!
    My consultant, Shawki W, was very friendly and helpful in explaining the program to me. He was able answer any questions I had and he helped me feel comfortable about my decision.
    Read More
  18. User Score
    9
    June 21st, 2017 Jersey City, NJ
    0 people found this review helpful!
    Jessica H was great at explaining the program to me and ihow it works
    Read More
  19. User Score
    10
    June 21st, 2017
    0 people found this review helpful!
    Answered all my questions, and made evrrything easy for me to understand.
    Read More
  20. User Score
    10
    June 20th, 2017
    0 people found this review helpful!
    Kirtis was an excellent help to me. He ensured that I understood every part of this process and ultimately and positively influenced my decision to better my financial situation via your program.
    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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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