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#3
Accredited Debt Relief Reviews

Accredited Debt Relief

Pro: Nationally accredited; great customer reviews
Con: Only available for 36 states

Our Score
8.8
User Score
9.6

Call now for your free consultation   1-(866) 819-5224

Our Score
8.8
User Score
9.6
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
12 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
276

This Review is maintained by

Review Last Updated: May 2, 2017

Accredited Debt Relief (ADR) offers an array of services to those who find themselves in too much debt. Services offered includes credit counseling, consolidation, debt management, and debt settlement. As with all FTC regulated debt settlement companies, the ADR charges no fees until they reach a settlement agreement for you. According to the Accredited Debt Relief website, clients that make all of their monthly payments pay roughly 50% of their total enrolled debt before fees. After the fees, they will pay anywhere between 68% to 75% over a 3 year period.

This review we will focus on Accredited Debt Relief’s debt settlement program.

The Good

Accredited Debt Relief Highlights
  • Excellent national accreditations
  • In business since 2004
  • Overwhelming positive user reviews
Excellent National Accreditations

ADR has excellent accreditations. The company is accredited with the AFCC, and IAPDA. These accreditations and certificates hold ADR to a higher standard, making them a trustworthy company to go with for debt settlement needs.

Free Consultation Offered

Company representatives of Accredited Debt Relief (ADR) offer a free consultation designed to help people in debt understand where they are financially and what options they have for getting out of debt.

Positive User Reviews

In review after review of ADR, we see people praising them for their knowledgeable staff. Not only that, because debt settlement can be a sensitive topic, many reviewers reported how comfortable ADR representatives made them feel. In fact, the biggest complaint people had was they wished they had called ADR sooner.

Pricing for Accredited Debt Relief varies by state. In general, you will pay anywhere between 4-8% annually of your total debt. The most that Accredited can legally charge a consumer is 25%. Most consumers typically pay between 15-25% (according to the company’s website).

Get started with Accredited

The Bad

Services from ADR are only available in 36 states. You also have to settle at least $10,000 to even qualify for ADR’s services. This severely limits the population who can use ADR. Additionally, ADR has only been in business since 2008, which may be a concern for those looking to work with the most established companies with longer track records.

We did find isolated reports from a couple of people who contacted ADR and wished the company had explained the entire settlement process, specifically what to expect in more detail. However, these experiences do not seem to be the norm.

  • Service not available in all states
  • Must have over $7.5k in debt to qualify
  • Only in business since 2008

The Bottom Line

Accredited Debt Relief is a great option for those who find themselves with over $7,500 of debt. The company offers relatively low fees ranging between 15-25%. The company offers a free consultation and an online dashboard to help you track your progress. Overall, we recommend working with Accredited Debt Relief.

Contact Information

Website: accrediteddebtrelief.com
Hours:
Monday- Friday: 7:00 AM – 7:00 PM Pacific
Saturday and Sunday 8:00 AM – 5:00 PM Pacific
Address:
591 Camino De La Reina, Suite #818
San Diego, CA 92108

Time In Business

ADR has been in business for 12 years, and was founded in 2003.

Debt Education

There were no interactive tools on accrediteddebtrelief.com for potential clients to use, nor was there any indication that kits or workbooks might be available. They do, however, offer credit counseling services and consultations so they have somewhat of an educational offering. We would like to see them offer more training available on their site in addition to a blog.

Mobile Friendly

The website is mobile friendly. No mobile app is available for this company.

Cancellation Policy

Clients are allowed to terminate the program at any time. Charges are levied only for accounts that have been resolved.

Types of Services Available

It’s a bit hard to determine which services this debt relief company actually offers. The website lists the following services: Debt Consolidation, Debt Settlement,  Debt Management, Credit Counseling, Bankruptcy. ADR will also offer help with creditor calls from lending companies, collection agencies, etc.

Online Dashboard

When a customer creates an account with Accredited Debt Relief, a personal client portal is set up so the customer can check the status of their account 24/7. This allows them to stay informed of any updates and settlement amounts.

Accreditations

Accredited Debt Relief is a member of the American Fair Credit Council(AFCC)  and IAPDA.

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276 Accredited Debt Relief Reviews

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  1. User Score
    8
    July 27th, 2017 Mobile, AL
    0 people found this review helpful!
    the review I thought it was very informative, and I thought it would be a good plan for me.
    Read More
  2. User Score
    10
    July 27th, 2017 Baltimore, MD
    0 people found this review helpful!
    James was good and easy to talk to.
    Read More
  3. User Score
    10
    July 26th, 2017 Chula Vista, CA
    0 people found this review helpful!
    Steven C was amazing with his approach to my debt issues. I did not feel pressured and felt very comfortable making the decision to work with Accredited Debt Relief.
    Thank you Steven for your help, I am excited to have my credit restored.
    Read More
  4. User Score
    10
    July 26th, 2017 Raleigh, NC
    0 people found this review helpful!
    Matt was very helpful walking me through the steps of becoming debt free. He made the entire process very quick and easy as well as understanding.
    Read More
  5. User Score
    10
    July 25th, 2017 Chesapeake, VA
    0 people found this review helpful!
    awesome customer service
    Read More
  6. User Score
    9
    July 25th, 2017 Chicago, IL
    1 people found this review helpful!
    This was a hard decision necessitated by an extremely hard situation that extends beyond the financial challenges. The account executive I worked with was great and seemed to understand I was struggling with the decision. I never felt like he was pushing me to do something but provided me with the information I needed to make the final decision. I will be forever grateful to him for his patience and guidance.
    Read More
  7. User Score
    10
    July 21st, 2017 Coral Gables, FL
    0 people found this review helpful!
    Ben has been great in this whole process. Very informative and patient.
    Read More
  8. User Score
    10
    July 20th, 2017
    0 people found this review helpful!
    I’m very happy with the customer service. Mark T is polite, informative, and very reassuring. I now feel positive to be on the process of being debt free.
    Read More
  9. User Score
    10
    July 20th, 2017
    0 people found this review helpful!
    About Customer service I am very happy because their are polite, helpful and they want to make sure I will satisfied to their answer.
    Read More
  10. User Score
    10
    July 19th, 2017
    0 people found this review helpful!
    exelent servive
    Read More
  11. User Score
    0
    July 18th, 2017 Vista, CA
    0 people found this review helpful!
    they are a middle man for Freedom they say they will be your acount advisor but they transfer you to freedom they are a scam try to say they are the company that settles but they dont!
    Read More
  12. User Score
    10
    July 17th, 2017
    0 people found this review helpful!
    Accredited Debt Relief was very helpful explaining every step in getting my situation with my debt reduced so that I can better manage it. Steven C was extremely courteous and easy to talk with.
    Read More
  13. User Score
    10
    July 14th, 2017
    0 people found this review helpful!
    Very professional and cordial
    Read More
  14. User Score
    10
    July 14th, 2017
    0 people found this review helpful!
    Very nice guy to work with. Also very knowledgeable.
    Read More
  15. User Score
    10
    July 14th, 2017
    1 people found this review helpful!
    Bill L was very thorough in explaining the programs and made it easy for me to understand how they worked. He was very pleasant and made me comfortable with signing on for the program outlined to me.
    Read More
  16. User Score
    10
    July 13th, 2017
    1 people found this review helpful!
    It was a very good service and excellent explanations
    Read More
  17. User Score
    10
    July 12th, 2017
    1 people found this review helpful!
    Guy has been extremely helpful in this process. I’m so glad I decided to to move forward with things.
    Read More
  18. User Score
    10
    July 11th, 2017 Clinton, NC
    1 people found this review helpful!
    Bill Consolidation and Joseph was very nice and professional. He deserves a good raise.
    Read More
  19. User Score
    8
    July 11th, 2017 Billings, MT
    1 people found this review helpful!
    So far, I have nothing but rave reviews for ADR, and Jonathan for getting me started in their program. My only problem, was that noone told me to contact my creditors about stopping taking payments from my bank account. This caused undo hardship, because I got hit with overdraft fees, and sometimes the bank would actually make a payment to the creditor when I had asked them not to
    Read More
  20. User Score
    10
    July 8th, 2017 Lake Saint Louis, MO
    2 people found this review helpful!
    Thank you Dan B for all your time and helping with my situation! Exceptional knowledge, customer service and support! Can’t thank you enough!
    Read More

Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • 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)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

We are dedicated to bringing the truth out, and rank debt relief companies as they should be. Through our investigation, and experience with each company, we rank each company, and bring you our honest, unbiased opinion. We also include authentic user reviews by past customers of each company that are moderated and verified.

Like many sites, we are compensated through affiliate relationships with each company we review, however all of our rankings are based on our 11-Point Ranking Criteria.

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Step 1: Introduction

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Our Score
8.8
User Score
9.6
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
12 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
276
Our Score
9.1
User Score
8.9
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
863