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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
9.6
Our Score
8.8
User Score
9.6
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

438

This Review is maintained by

Review Last Updated: April 9, 2020

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.

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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438 Accredited Debt Relief Reviews

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  1. User Score
    10
    April 14th, 2015 CA
    0 people found this review helpful!
    The best customer service support ever. Real people who really care. Jessica Serrato provided exceptional customer service to my father as well as myself I will definitely be recommending her to all my friends and family in the near future. If anybody is in over their heads on debt with credit cards this is definitely the route to go.
    Read More
  2. User Score
    10
    April 13th, 2015 Fredericksburg, VA
    1 people found this review helpful!
    Marcus has been very helpful and informative with how this program works . It has been a pleasure to work with him.
    Read More
  3. User Score
    10
    April 9th, 2015
    0 people found this review helpful!
    Awesome Carly was perfect
    Read More
  4. User Score
    10
    April 9th, 2015 Pompano Beach, FL
    0 people found this review helpful!
    ryan was awesome extremely helpful and made me feel at ease.
    Read More
  5. User Score
    10
    April 9th, 2015 Tulsa, OK
    0 people found this review helpful!
    Robert was very helpful, responsive, respectful, and very knowledgeable, my only regret is not making the step sooner. I am very happy he was my counselor.
    Read More
  6. User Score
    10
    April 9th, 2015 Hollywood, FL
    0 people found this review helpful!
    Sam was so informative. He was my family’s saving grace. He is a true person not just some one trying to force you to do something you are not sure about. My family and I were so sure that we wanted to use your services. We have no doubts or worries. Sam is truly an asset to your company. I am grateful to have done business with him.
    Read More
  7. User Score
    10
    April 8th, 2015 Butler, PA
    3 people found this review helpful!
    The stress that Shawn has relieved on my behalf already is amazing. I am so excited to finally be able to get out of debt forever! The only regret I have is that I really wish I would have looked you all up sooner.
    Shawn Murphy you and Accredited Debt Relief are the best!
    Read More
  8. User Score
    10
    April 7th, 2015 Van Nuys, CA
    0 people found this review helpful!
    Carly was: professional, personable, flexible, knowledgeable, and wonderful to have as a debt consultant. She patiently answered all of my questions, even the “obvious” or “dumb” questions like, “how does this work,” “how does your company get paid,” etc. She explained it all and made this process feel tenable, even exciting knowing i’m working towards eliminating my credit card debt.
    Read More
  9. User Score
    10
    April 7th, 2015 OK
    0 people found this review helpful!
    Shawn was extremely helpful. He gave me the positive reinforcement I needed. I am eager to get my debt under control. Thanks!!!
    Read More
  10. User Score
    10
    April 6th, 2015 Charlottesville, VA
    0 people found this review helpful!
    A gentlemen named Sam helped me so much during our phone conversation! He listened to me and felt the pain that I have been going through in the last year with a sick husband. He made sure that I had the best monthly payment that I could afford. He is an incredible young gentlemen, you dont have many of them like him in this world. I want make sure that his boss knows that he is a gem!
    Read More
  11. User Score
    10
    April 6th, 2015 Lawrenceburg, IN
    1 people found this review helpful!
    Marcus Lasalle was my contact person and from the very beginning he was kind, courteous and understanding. Its a very hard and emotional decision, but he helped us through it. I am very hopeful and confident for a successful outcome.
    Read More
  12. User Score
    10
    April 3rd, 2015 Hudson, FL
    0 people found this review helpful!
    Sam Hayes really answered all of my ?’s and made me feel at ease. I felt like he was listening to my situation. I can’t wait to be debt free.
    Read More
  13. User Score
    10
    April 3rd, 2015
    0 people found this review helpful!
    Ryan Rambeau was beyond helpful; he was courteous, attentive, polite and promot. I really felt like he genuinely wanted to help me and was concerned about my situation. Based on my experience with him, I would recommend Accredited Debt Relief to anyone!
    Read More
  14. User Score
    10
    April 2nd, 2015 Stow, OH
    0 people found this review helpful!
    Sam is a wonderful person I feel like he explained everything to me in full detail and made me so comfortable about moving forward I had a 10 experience
    Read More
  15. User Score
    9
    March 31st, 2015 Arlington, TN
    0 people found this review helpful!
    Ryan was a tremendous help and made sure that I completely understood every step. I feel very confident that I made a good choice. The call back wwas also very reassuring.
    Read More
  16. User Score
    8
    March 30th, 2015 Batavia, OH
    0 people found this review helpful!
    Jessica was very helpful, courteous and informative.
    Read More
  17. User Score
    10
    March 29th, 2015 Crosby, TX
    2 people found this review helpful!
    I was so embarrassed to find myself in this situation, I now owed more than I made. I saw Accredited Debt Relief on the internet. A representative called me right away. Now I’m on my way to becoming debt free, and I don’t feel so alone.
    Read More
  18. User Score
    9
    March 26th, 2015 New York, NY
    0 people found this review helpful!
    I spoke to Carly who answered my email before I turned my cell phone on, thanks. We had a pleasant, informative conversation, and all of my questions were answered fully. I am anticipating getting out of all this medical and credit debt in a much shorter time than I thought possible. Thanks for your hard work!
    Read More
  19. User Score
    10
    March 25th, 2015 Pittsburgh, PA
    2 people found this review helpful!
    Everything was absolutely incredible! Absolutely love your program!
    Read More
  20. User Score
    10
    March 25th, 2015 Southwick, MA
    1 people found this review helpful!
    The whole process was informative and so easy to do. Ryan was professional and covered everything in details for me. I would recommend to everyone.
    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
9.6
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

438
Our Score
9.0
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

1,373