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#2
Accredited Debt Relief Reviews

Accredited Debt Relief

Pro: Nationally accredited; great customer reviews
Con: Only available for 34 states

Our Score
9.3
User Score
9.8

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

Our Score
9.3
User Score
9.8
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
233

This Review is maintained by

Review Last Updated: December 21, 2016

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.

Rank Chart
Price (% of debt)
Smallest Debt Accepted
Review

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

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).

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The Bad

Services from ADR are only available in 34 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. However, if the company does not serve your state, we recommend learning about other top recommended debt settlement providers.

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.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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1-(866) 819-5224

233 Accredited Debt Relief Reviews

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2. Subject For This Review*(Select all that apply)

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  1. User Score
    10
    December 9th, 2016
    0 people found this review helpful!
    I was represented by Brandon H who took the time to explain all the steps and process. I had already researched the legitimacy of this company that I felt assured to use them. The process was quite easy and understandable if you have read about your options. Brandon will also disclose them to you in order to be educated and ultimately be empowered to make this important decision.
    Read More
  2. User Score
    10
    October 2nd, 2015 Missouri Valley, IA
    0 people found this review helpful!
    Everyone was very helpful and I felt that they were just as concerned about handling my problem as if it was their own. Thank you!
    Read More
  3. User Score
    10
    September 17th, 2015 Des Moines, IA
    2 people found this review helpful!
    Ryan was very professional and understood the emotions I was going through. Everything was well explained and all my questions were answered. This is one company that I can really say that they care about their clients and you can feel the sincerity that they want us to achieve our goal to be debt free.
    Read More
  4. User Score
    10
    September 16th, 2015 Parker, AZ
    1 people found this review helpful!
    I was a very apprehensive about calling a
    debt settlement program but was left with
    only one other option. I was lucky enough to
    get connected to Shawn. He walked
    me through the options and was never
    impatient with me and all my Questions.
    I am just starting out on this journey and
    I hope it’s as good as it sounds.
    More comments in the future about my
    success.
    Read More
  5. User Score
    10
    September 15th, 2015 Macclenny, FL
    5 people found this review helpful!
    Kristin was a extremely sweetest person and she has kept me update with everything and she also explained everything to me very clearly to make sure my husband and I understand this debt relief program. She has taken a lot of pressure off out shoulders. Thank you for ur help Kristin!!
    Read More
  6. User Score
    9
    September 9th, 2015 Blue Springs, MO
    2 people found this review helpful!
    Michael was very good at explaining everything and helping me to get started on my settlement. My only problem was myself and it was too much to absorb in such a short-time. Like I said, Michael was great and I look forward to working with him down the road.
    Read More
  7. User Score
    10
    September 3rd, 2015 Sulphur Springs, TX
    2 people found this review helpful!
    Kristen was very sympathetic and patient with me while I dealt with my dying father when I initially signed up for debt relief. She also stayed in touch via email to insure I had the opportunity to get debt free.
    Read More
  8. User Score
    10
    August 28th, 2015 Upland, CA
    0 people found this review helpful!
    Excellent customer service, very helpful.
    Read More
  9. User Score
    10
    August 28th, 2015 Staten Island, NY
    0 people found this review helpful!
    i feel very confident in choosing this debt relief program. That a lot of my burdens are off my shoulders. My consultant Carly 4awas extremely helpful. She didn’t make me feel like all these debt issues were my fault. Very understanding to my struggles and why this happened. Not just looking to “make a sale” but genuinely wanting to help those who are struggling. This whole experience of debt trouble is very unsettling, however with people like Carly and this program makes me sure there is a light at the end of the tunnel..
    Read More
  10. User Score
    10
    August 27th, 2015 Folsom, CA
    0 people found this review helpful!
    All my questions, comments and doubts were clearly explained; Shawn was absolutely courteous and patient with me
    Read More
  11. User Score
    10
    August 27th, 2015 South Gate, CA
    0 people found this review helpful!
    You know I started with three rejections and finally found Accredited Debt Relief and Sam was very welcoming and was a really enthusiastically sounding guy and He was spot on and now im in the program Confident with Sam and Freedom Debt Relief that I will be able to get out of debt and also while doing it with a lot less stress in my life and Sam has giving me Hope that this all pans out and there is an end to my Debt and living Paycheck to Paycheck
    Read More
  12. User Score
    9
    August 26th, 2015 Glendale, CA
    0 people found this review helpful!
    I spoke with a very knowledgeable Debt Counselor who was able to provide me with great service and the best solution for my financial needs in minimal time.
    Thank you Sam for your hard work!
    Read More
  13. User Score
    10
    August 26th, 2015 Worcester, MA
    1 people found this review helpful!
    So far things have been very clear. The woman I am dealing with is amazing. Everyone ha been friendly and helpful. I’m hoping everything continues this way!!!!!!
    Read More
  14. User Score
    10
    August 26th, 2015 Columbus, OH
    0 people found this review helpful!
    Sam was very helpful and friendly
    I would definitely recommend this service to another just because everyone that I talked to made me feel like I was part of a family that would do there best to look out for me.
    Read More
  15. User Score
    10
    August 25th, 2015 Glen Allen, VA
    1 people found this review helpful!
    Kristin was great. She was able to answer any questions and concerns I have and she’s also has advised me to contact her in the future if I have any issues. Thank you for all your help!
    Read More
  16. User Score
    10
    August 25th, 2015 Greenville, MI
    1 people found this review helpful!
    Very professional and yet very down to earth. Great person to work with.
    Read More
  17. User Score
    10
    August 25th, 2015 Lowell, MA
    0 people found this review helpful!
    I was very satisfied with my experience. Ryan was very informative and understanding and helped me with my questions and doubts.
    I am looking forward to becoming debt free and to never again get myself in the same position again.
    Thank you
    Read More
  18. User Score
    10
    August 25th, 2015 Escondido, CA
    1 people found this review helpful!
    Coming to a realization that you’re about to be swallowed up by a huge wave of debt is frightening enough. Accepting that you know you have to ask for help is even more scary, and really hard to do. I realize the mistakes I’ve made, I don’t need to be shamed into fixing them, I just need help. Meeting Michael at Accredited Debt Relief, was like emerging from the other side of that mammoth wave into a peaceful, calm ocean, with dolphins jumping all around and sea lions clapping. I felt no judgements, no condescension, just a pure desire to help me out of a bad situation. Everything was explained to me clearly, all my options, and the best plan that fit my situation was agreed upon. Any kind of financial decision can seem huge, and scary, but with Michael by my side explaining everything in ways that make sense to me, it’s like we’re just relaxing on the beach making smores over a fire. I would recommend ADR, to anyone who needs financial help, without hesitation. Don’t let your finances get the best of you; the best of you is You with a little help from ADR.
    Read More
  19. User Score
    10
    August 24th, 2015 Geneva, NY
    0 people found this review helpful!
    This was a big step for me. I was very anxious about my decision to do this but Ryan was very patient and explained every step to me. I feel relieved that I’m working on a plan to resolve this issue and trying to realize that sometimes bad things happen to good people. I’m confident that my situation will get resolved.
    Read More
  20. User Score
    10
    August 19th, 2015 Mesa, AZ
    0 people found this review helpful!
    Excellent !!!
    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?

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All reviews are subject to moderation and approval. Any reviews that may resemble false information, or competitors of another company will need to be verified by our staff before being approved and published. We reserve the right to approve or deny any reviews left on this site.

Step 1: Introduction

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Our Score
9.3
User Score
9.8
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
233
Our Score
9.5
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
14 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
284