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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
322

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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322 Accredited Debt Relief Reviews

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  1. User Score
    10
    August 20th, 2017 Clearwater, FL
    0 people found this review helpful!
    Salesman was very professional, helpful and communicated with a high level of affinity.
    Read More
  2. User Score
    10
    August 20th, 2017 Indianapolis, IN
    0 people found this review helpful!
    I received a call very quickly after my inquiry. The debt specialist was very professional, patiently explaining every part of the program and answering all my questions. I was very impressed with his knowledge and experience.
    Read More
  3. User Score
    10
    August 19th, 2017 Houston, TX
    0 people found this review helpful!
    Bill was extremely helpful in providing details of the services offered
    Read More
  4. User Score
    10
    August 18th, 2017
    0 people found this review helpful!
    James,
    Was very helpful and understanding. We really loved the service we received.
    Read More
  5. User Score
    10
    August 18th, 2017
    0 people found this review helpful!
    Did great, let me know my options and it was a breeze! Thanks again Jonathan!
    Read More
  6. User Score
    9
    August 18th, 2017 Clinton, AR
    0 people found this review helpful!
    Benjamin has been great with this stressful process and had been more than willing to honestly answer all of my questions. Very kind and personable as well as completely understanding. I’m extremely appreciative of all his work with helping me.
    Read More
  7. User Score
    10
    August 17th, 2017 Niceville, FL
    0 people found this review helpful!
    I was very pleased with all the people I was in contact with, they were very friendly and helpful
    Read More
  8. User Score
    10
    August 17th, 2017 Warrior, AL
    0 people found this review helpful!
    Super nice and helpful. Completely understood our hardship
    Read More
  9. User Score
    10
    August 17th, 2017
    0 people found this review helpful!
    Great experience with the debit relief agent very knowledgeable. Was able to assist me with exactly what I was looking for.
    Read More
  10. User Score
    10
    August 17th, 2017
    0 people found this review helpful!
    Bill was very helpful in arranging a payment plan. For the first time I felt like my problem was heard and solved the best way possible. I feel like a huge weight was lifted off my shoulders. Thank you so much Bill. Look forward in being debt free.
    Read More
  11. User Score
    10
    August 16th, 2017
    0 people found this review helpful!
    Eddie was very helpful, explained everything clearly being proactive to answer my potential questions.
    Read More
  12. User Score
    9
    August 15th, 2017
    0 people found this review helpful!
    Brad was awesome! He helped in so many ways. made this process easy and simple!
    Read More
  13. User Score
    10
    August 15th, 2017 Meadville, PA
    0 people found this review helpful!
    Guy J was excellent. Explained all options, and everything related to the program.
    Read More
  14. User Score
    10
    August 15th, 2017 Livonia, MI
    0 people found this review helpful!
    Lawrence is very professional and went above and beyond to take away my anxiety and help me consolidate my debt.
    Read More
  15. User Score
    8
    August 14th, 2017
    0 people found this review helpful!
    great customer service
    Read More
  16. User Score
    9
    August 12th, 2017
    0 people found this review helpful!
    I would like to thank Janet A for her kind demeanor and understanding threw this process. She made me feel comfortable. I’m looking forward to working with her.
    Read More
  17. User Score
    10
    August 11th, 2017
    0 people found this review helpful!
    Customer rep knowledgeable, kind, and supportive. Agreement terms were great!
    Read More
  18. User Score
    10
    August 10th, 2017 Minneapolis, MN
    0 people found this review helpful!
    I am excited to get started with this program for debt relief. I have a wonderful coach who will be at my beckoned call. He explained the program in a way that was easy to understand and comprehend. He made me confident that I will be more than satisfied with the work they will do in assisting me with getting debt-free. A feel a lot less stressed.
    Read More
  19. User Score
    10
    August 9th, 2017
    1 people found this review helpful!
    My experience was fantastic. Mark T explained the procedure to me from start to finish. He was pleasant and very informative making my experience completely painless! Thank you!
    Read More
  20. User Score
    10
    August 9th, 2017 Sulphur, LA
    0 people found this review helpful!
    Agent was knowledgeable and helpful.
    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.

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
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
322
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
978