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Reviews for Accredited Debt Relief | 2019 Debt Relief Reviews

Accredited Debt Relief

Nationally accredited debt relief company specializing in debt settlement. Positive customer reviews of company agents.

Our Score
8.8
User Score
9.7

Call now for your free consultation   1-(866) 637-9581

Our Score
8.8
User Score
9.7
Rank this Company

Ratings Breakdown

Price - % of Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$10,000

Money-Back Guarantee

No

Number of Reviews

423

This Review is maintained by

Review Last Updated: September 20, 2019

Accredited Debt Relief (ADR) is a debt management company that offers an array of services to those who find themselves owing too much debt to creditors (most often credit card companies). Services offered include debt consolidation, debt management, debt settlement, bankruptcy, and credit counseling service. Counselors work with each individual’s unique financial situation to choose a service. As with all FTC regulated debt settlement firms, ADR charges no fees until they receive a settlement offer for you.

According to the Accredited Debt Relief’s website, consumers that make all of their monthly payments pay roughly 50% of their total enrolled debt before fees. After the fees, their payments will be anywhere between 68% to 75% of their enrolled debt over a 3 year period before becoming debt free.

The Good

Positive Accredited Debt Relief Reviews

  • Professional agents
  • Helpful customer service reps
  • Informative

In the last year, 99% of the reviews posted on BestDebtCompanys.com have been positive. Most positive reviews for Accredited Debt Relief are related to the customer service people receive. Accredited Debt Relief’s agents are described as patient, helpful, and professional. Reviewers also say that these professionals are able to answer all the questions they have about their financial hardship and specific situations. The processes of settling debts is very detailed and informative.

Not only that, but because debt settlement can be a sensitive topic, many consumers reported how comfortable ADR representatives made them feel. In fact, the biggest complaint people had was they wished they had called ADR to obtain a debt settlement solution sooner.

Positive review highlight from Ed Romero, 3/17/19

Karina R is a true professional in her field. She explained all details to me clearly, and empathized with my situation. She followed up regularly and was always kind and courteous. She answered all my questions and when I had a doubt she addressed it. Looking forward to a great start.

 

Free Consultation Offered

Company representatives of Accredited Debt Relief help forgive debt every day and offer a free consultation designed to help people with credit card debt understand where they are financially and what options they have for reaching a credit card settlement and becoming debt free.
Accredited Debt Relief doesn’t just offer one service they try to sell you on. They listen to each individual and make recommendations on a case-by-case basis. For example, if debt settlement isn’t right for you, they may offer another debt relief option:

  • Bankruptcy
  • Credit Counseling
  • Debt Consolidation
  • Debt Management

Whatever debt option you pick, Accredited Debt Relief’s goal is to lower monthly payments and interest rate, help with calls from creditors and collection, and simplify the process of becoming debt free.
After a free consultation, customers can stay up-to-date on the status of their account with ADR’s online dashboard (personal client portal). Customers can check the status of their account 24/7. This allows them to stay informed of any updates and settlement amounts.

Get a free consultation from Accredited Debt Relief 

Lower Customer Debt

ADR starts negotiating lower payments with credit card companies within one to two weeks after signup. On average, those who use ADR’s debt settlement program pay off their debt in 2 to 4 years, but the first settlement can happen in as little as 3 months. Only in extreme cases do creditors not allow settlement. A creditor’s overall goal is to get paid, so they are often pleased with any sort of payout over a bankruptcy option. Some of the creditors that ADR has successfully worked with include:

  • American Express
  • Bank of America
  • Barclays
  • CapitalOne
  • Chase
  • Citibank
  • GE Capital
  • HSBC
  • Sears
  • The Home Depot
  • USAA
  • US Bank
  • Wells Fargo

 

 

 

 

Accredited Debt Relief’s website says that clients pay back an average of 50% of the debt they enroll.  After fees, that number increases to 68-75%. So those who currently pay $600 a month towards their debt or credit card, end up paying about $304 a month when they sign up for Accredited Debt Relief.

Excellent National Accreditations

ADR has excellent accreditations. The company is accredited by the AFCC and IAPDA. These accreditations and certificates hold ADR to a higher standard, making them a trustworthy company for consumers to go for a debt management plan. The company also follows and outlines FTC guidelines on its site.

The Bad

Minimum Debt Requirement

Anyone who wants to work with Accredited Debt Relief must have a minimum of $10,000 in unsecured debt. Unsecured debts typically include credit card, medical bills, utility bills, wage garnishments, back rent, student loans, and sometimes personal loans. On the other hand, ADR and most debt settlement companies do not work with secured debts. Secured debts are backed by collateral. So if the borrower is unable to pay back a secured debt, the lender can seize their property or whatever they used as collateral for the loan. Secured debts include mortgages, auto loans, and business loans.

There are a limited number of debt settlement companies that will accept less customers with less than $10,000 in unsecured debts. For those who have small debts, ADR may recommend another type of debt relief program.

Only Available in Select States

Accredited Debt Relief is only available in the following 28 states: AL, AK, AZ, AR, CA, FL, ID, IN, IA, MD, MA, MI, MS, MO, MT, NE, NV, NM, NY, NC, OK, PA, SD, TN, TX, UT, VA, and WI.

The Bottom Line

With costs and industry accreditations, Accredited Debt is on par with the top debt relief companies in the industry. The company charges 15-25% of the total debt you enroll. Most companies charge the same fees, maxing out at 25% to comply with consumer laws. They accept a minimum debt of $10,000 to start, again similar to other debt relief companies. What really sets Accredited Debt Relief apart is their extraordinary customer service, as outlined in almost every customer review below. If you live is a state that Accredited Debt Relief operates in, we highly recommend working with them.

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423 Accredited Debt Relief Reviews

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  1. User Score
    2
    September 23rd, 2019
    1 people found this review helpful!
    BUYER BEWARE!

    Some things about Accredited Debt Relief and other debt relief companies in general.
    First and most important, when you stop paying your creditors and start paying ADR,
    ADR does not report to any of the credit agencies about you paying monthly. The creditors
    do report and in most cases show you are 120+ days past due. This not only affects your
    credit score, bit more important, your credit history. Because of this, I was unable to get
    any type of loan to pay off my note with New Credit America. FYI, NCA charges 29% interest rate Your credit is ruined for life. Second, when ACR settles with a creditor, the dollar amount settled on is considered income and is taxable at years end. Big surprise. Nothing ever mentioned on either points. Hope anyone considers these points before considering a debt relief company.

    Read More
  2. User Score
    10
    April 25th, 2019
    1 people found this review helpful!
    Steven C was outstanding in his helping me! Definitely an asset to your company.
    Read More
  3. User Score
    10
    April 23rd, 2019
    3 people found this review helpful!
    Anton did a superior job on My Credit problems, am very Happy, thank You so much
    Read More
  4. User Score
    10
    April 15th, 2019
    3 people found this review helpful!
    My representative was very professional
    Read More
  5. User Score
    10
    April 14th, 2019 Ava, MO
    2 people found this review helpful!
    The past year has been emotionally and financially defeating and has left me feeling destroyed. Out of desperation I found Accredited Debt Relief on the internet and from the moment Karina Ramos and I started talking I felt as though there may be hope again. She answered all of my questions and at no time made me feel judged or demeaned for my current situation. She was incredibly supportive and encouraging and I will be recommending ADR to anyone needing help when conventional help (ie, banks and other financial institutions etc) are unwilling.
    Dominica
    Read More
  6. User Score
    9
    April 13th, 2019 Pomona, CA
    2 people found this review helpful!
    Brad was very patient and professional and exolained everything in detail. I would recomend him to anyone.
    Read More
  7. User Score
    10
    April 11th, 2019
    2 people found this review helpful!
    Great customer service, answered all my questions and walk me through the process
    Read More
  8. User Score
    10
    April 9th, 2019
    2 people found this review helpful!
    Excellent service and information. Steven was great.
    Read More
  9. User Score
    10
    April 5th, 2019 Billings, MT
    2 people found this review helpful!
    very good explanation of their company and what they do, very patient and listened to our questions and answered them very well
    Read More
  10. User Score
    10
    April 5th, 2019 South Jordan, UT
    2 people found this review helpful!
    She was easy to talk to and answered all of my questions and concerns.
    Read More
  11. User Score
    10
    March 17th, 2019
    3 people found this review helpful!
    Karina R is a true professional in her field. She explained all details to me clearly, and empathized with my situation. She followed up regularly and was always kind and courteous. She answered all my questions and when I had a doubt she addressed it. Looking forward to a great start.
    Read More
  12. User Score
    10
    March 15th, 2019
    3 people found this review helpful!
    Brad made this process very fun and exciting to go thru. The way Brad’s customer service is actually makes me feel so much @ ease just knowing that all of my debt will be taken care of in a timely fashion that I did not think I would see. So, Brad KUDOS to you and I do appreciate everything that you have done so far and will continue to do ~~ Brad’s got me smiling from ear to ear!!! Yassss…
    Read More
  13. User Score
    10
    March 8th, 2019
    1 people found this review helpful!
    Maribel was knowledgeable, understanding and professional. She walk me through the whole process and answer every question i had. Good listener which made me feel like very comfortable. She is definitely an asset to the whole company. Thank You.
    Read More
  14. User Score
    9
    March 7th, 2019
    5 people found this review helpful!
    Maribel was great to work with and answered all of my questions with confidence. Definatitely eould recommend this service.
    Read More
  15. User Score
    9
    March 7th, 2019 Omaha, NE
    2 people found this review helpful!
    Katrina R was very pleasant and knowledgeable.
    Read More
  16. User Score
    10
    February 28th, 2019
    6 people found this review helpful!
    Jeremy is how all people helping people should act. He is very patient, helpful, detailed, and answers all of my questions. I appreciate his great personality and not being overly pushy.
    I highly recommend Jeremy to help you with your debt consolidation. I give him a 10 because he deserves it.
    Read More
  17. User Score
    10
    February 21st, 2019 Hot Springs National Park, AR
    4 people found this review helpful!
    Contacted Accredited out of necessity due to my child support nearly tripling and having a hard time financially at the moment. Dan gave me options and found a plan that will assist me in paying my bills until I can get this problem resolved
    Read More
  18. User Score
    10
    February 9th, 2019
    2 people found this review helpful!
    Karina was very helpful and explained very well I’m very excited to be a part of your family.
    Read More
  19. User Score
    10
    February 8th, 2019
    3 people found this review helpful!
    she was nice and she answered my questions and explain everything so I can understand
    Read More
  20. User Score
    9
    February 7th, 2019
    2 people found this review helpful!
    This is the best debt settlement program I ever had. I have been involved with other programs but this the best ever. So well organized and explained so well.I feel very comfortable in this program.I am so glad I found this 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
8.8
User Score
9.7
Rank this Company

Ratings Breakdown

Price - % of Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$10,000

Money-Back Guarantee

No

Number of Reviews

423
Our Score
9.1
User Score
9.1
Rank this Company

Ratings Breakdown

Price - % of Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$7,500

Money-Back Guarantee

Yes

Number of Reviews

1,212