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#3
Accredited_Debt_Relief

Accredited Debt Relief

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

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 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
420

This Review is maintained by

Review Last Updated: November 10, 2018

The Good

Accredited Debt Relief Highlights
  • Excellent national accreditations
  • Debt settlement firm that has been in business since 2004
  • Overwhelmingly positive user reviews
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 debt settlement services.

Free Consultation Offered

Company representatives of Accredited Debt Relief (ADR) help forgive debt every day and offer a free consultation designed to help people in credit card debt understand where they are financially and what options they have for reaching a credit card debt settlement and becoming debt free.

Positive User Reviews

In review after review of ADR, we see people praising them for their knowledgeable staff in their debt counseling services. 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 to obtain a debt settlement solution sooner.

Pricing and fees for Accredited Debt Relief vary 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). This is consistent with most debt settlement companies.

Get started with Accredited Debt Relief

The Bad

Services from ADR are only available in 34 states. Other debt settlement companies are available nation-wide. You also have to settle at least $10,000 to even qualify for ADR’s debt settlement and debt counseling services. This limits the population who can use ADR. Additionally, ADR has only been in business since 2008, which may be a concern for consumers looking to work with the most established debt management companies with longer track records for their debt settlement programs.

We did find isolated reports from a couple of people who contacted ADR and wished the company had explained the entire settlement process, including how the debt management plan would affect their credit score along with more details surrounding the monthly payment amount, however, these experiences do not seem to be the norm.

  • Service not available in all states
  • Must have over $7.5k in unsecured debt to qualify
  • Company has 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 debt settlement program 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.

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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Call our recommended rep over at Accredited Debt Relief below.

1-(866) 637-9581

420 Accredited Debt Relief Reviews

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    Sort By:

  1. User Score
    10
    April 15th, 2019
    0 people found this review helpful!
    My representative was very professional
    Read More
  2. User Score
    10
    April 14th, 2019 Ava, MO
    0 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
  3. User Score
    9
    April 13th, 2019 Pomona, CA
    0 people found this review helpful!
    Brad was very patient and professional and exolained everything in detail. I would recomend him to anyone.
    Read More
  4. User Score
    10
    April 11th, 2019
    0 people found this review helpful!
    Great customer service, answered all my questions and walk me through the process
    Read More
  5. User Score
    10
    April 9th, 2019
    0 people found this review helpful!
    Excellent service and information. Steven was great.
    Read More
  6. User Score
    10
    April 5th, 2019 Billings, MT
    1 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
  7. User Score
    10
    April 5th, 2019 South Jordan, UT
    0 people found this review helpful!
    She was easy to talk to and answered all of my questions and concerns.
    Read More
  8. User Score
    10
    March 17th, 2019
    0 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
  9. User Score
    10
    March 15th, 2019
    1 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
  10. User Score
    10
    March 8th, 2019
    0 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
  11. User Score
    9
    March 7th, 2019
    0 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
  12. User Score
    9
    March 7th, 2019 Omaha, NE
    0 people found this review helpful!
    Katrina R was very pleasant and knowledgeable.
    Read More
  13. User Score
    10
    February 28th, 2019
    1 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
  14. User Score
    10
    February 21st, 2019 Hot Springs National Park, AR
    1 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
  15. User Score
    10
    February 9th, 2019
    0 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
  16. User Score
    10
    February 8th, 2019
    1 people found this review helpful!
    she was nice and she answered my questions and explain everything so I can understand
    Read More
  17. User Score
    9
    February 7th, 2019
    1 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
  18. User Score
    10
    February 4th, 2019
    0 people found this review helpful!
    He put me at ease. I am very upset on the position I have gotten into, he made me feel a way out is possible.
    Read More
  19. User Score
    0
    February 2nd, 2019
    1 people found this review helpful!
    I am looking for a company that will provide a good service to my situation, searching online I did find this company, Oh Lord! I submitted online my initial information with the amount of my debt that I need to work with. I got a phone call back fro a guy who say his name was Sean, and look like was calling local , because of the area code. He asked my question related to my personal information, income, and the amount of debt, after making number I am assuming he told me I will be out of debt in 36 months, paying 200 dollars a month, the result is to be paying just $7,200 for all when my debt is more than $10,000.00 !!! I don’t understand that…Whatsoever, when I asked questions about :when my creditors will be notified, or receiving a portion of the payment, he have NOT a clear answer to me, I say I am asking you because I have been through a situation with another agency who did nothing for me, just taking my MONEY, even after 3 months paying them, my creditors will continues calling me. He became kind irritated at my question, in the way changed his voice tone, I say I am sorry, but I need to ask you questions. He did cut off the conversation, because I can tell when people cut of phone calls, I did wait a few minutes, and he did not call me back. Then I called him, telling him that he was not professional on his manner, and the way he treated my was rude, and poor, and I say I will be reporting you with customer consumer agency, and I will be writing a review online. Then after he listened my message, he called me again, I did not answer, he left a message telling me that he was sorry, because he didn’t know what happen when we were talking on the phone, I sent a text message asking him to stop messaging me. You all be very careful with this people, happened to ma with a similar agency, they made a payments calendar for my debt, but the first 18 payments were just for their agency, and my creditors were scheduled to receive payments after 18th month. I was so disappointed , because I did find out the my creditors were just notified, but not money going to them to reduce my debt. Those agencies NEED to tell to every customer HOW MUCH cost their service, because they are not Mother Theresa of Calcutta doing a merciful deed, they are making money. Any agency who will JUMP into only their interest, and not explaining carefully to you how the plan will work, or the person talking to you will be kind of aggressive when you are asking questions, BE CAREFUL, that is a RED LIGHT.
    Read More
  20. User Score
    10
    February 2nd, 2019 Port Arthur, TX
    0 people found this review helpful!
    He was amazing, best customer service. Explain in detail without missing anything. He did great and I feel so much better now! Thanks to him by life is going to be a lot easier. It’s going to be great I know it. Again he was amazing. Keep having great people like that who actually care about what happening to us, who made bad choices in life when they started with credits cards.
    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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Step 1: Introduction

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Our Score
8.8
User Score
9.7
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
420
Our Score
9.1
User Score
9.0
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
1,083