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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
    March 25th, 2015 West Palm Beach, FL
    0 people found this review helpful!
    So far everything has gone smooth Micheal West has done an awsome job explain everything to me i very satified with his customer service skills .
    Read More
  2. User Score
    10
    March 25th, 2015 Columbia, MO
    0 people found this review helpful!
    Carly was very helpful and explained everything very clearly. It was a pleasure working with her. Thank you.
    Read More
  3. User Score
    10
    March 24th, 2015 Murrieta, CA
    0 people found this review helpful!
    Carly was very helpful and friendly. She made me feel comfortable and less ashamed about my financial situation.
    Read More
  4. User Score
    10
    March 23rd, 2015 Austin, TX
    0 people found this review helpful!
    Marcus was awesome in explaining the program and details of my options to me.
    Read More
  5. User Score
    10
    March 23rd, 2015 Rockaway Park, NY
    0 people found this review helpful!
    Sam was awesome and very persistent in contacting me. It really seems like he cares about those who speaks to. He did an awesome job.
    Read More
  6. User Score
    10
    March 19th, 2015 Sanford, FL
    1 people found this review helpful!
    Carly was an excellent counselor. From the moment she called, following an online request, she took interest in my case. She really represented the company in a professional and personal way in the way she handled my case.

    Carly took time to hear my hardship, explain my options and promised to answer all my questions. She was very patient and handle my questions and concerns with care and concern. She went above and beyond and made sure I clearly understood all the concepts and options presented.

    So glad that she is handling my case..moving forward with enrollment and have not regrets on choosing Carly to represent me at the time of uncertainty. Well done, Carly. My life has taken a positive turn. Thank you!

    Read More
  7. User Score
    10
    March 19th, 2015 San Ramon, CA
    0 people found this review helpful!
    Great help a+ rating
    Read More
  8. User Score
    9
    March 17th, 2015 Jasper, AL
    0 people found this review helpful!
    Marcus has explained everything about the debt relive program to me wonderfully. He has answered all of my questions completely. Has seems very understanding of my financial situation has made me feel at ease without making feel like he was judging for being in such a financial mess. I look forward to continuing working with him to get all my debts resolved.
    Read More
  9. User Score
    10
    March 17th, 2015 Tempe, AZ
    1 people found this review helpful!
    Our customer service rep (Shawn Murphy) was exceptionally helpful and made the whole process easy. We never expected such a friendly and positive experience.
    Read More
  10. User Score
    9
    March 17th, 2015 Corpus Christi, TX
    0 people found this review helpful!
    Ryan was very helpful to me in answering all my questions and getting me started in getting my debt under control. He was very informative and did a very good job of trying to calm my fears. I appreciate the genuine concern that was showed to me. Thank you and God Bless
    Read More
  11. User Score
    10
    March 16th, 2015 Medina, OH
    0 people found this review helpful!
    Finally…a little room to breathe again. Thank you ADR.
    Read More
  12. User Score
    10
    March 16th, 2015 Washington, DC
    0 people found this review helpful!
    Great in explaining each of the three options I have.
    Read More
  13. User Score
    10
    March 14th, 2015 Rensselaer, NY
    4 people found this review helpful!
    I was very happy after checking out several companies and this one seemed to be the most honest and answered all my questions. They are willing to work with you even if you don’t have much money to work with . I would give them a call if you are in debt.
    Read More
  14. User Score
    10
    March 13th, 2015 Bay Shore, NY
    0 people found this review helpful!
    Robert is a well spoken gentleman. Any questions I had he answered. I’m glad I took the first step in repairing my credit. And thank u Robert for your help in making this decision easy for me
    Read More
  15. User Score
    10
    March 12th, 2015 Fontana, CA
    1 people found this review helpful!
    Robert was very helpful. He was really aware of the creditor situation and helped us immediately.
    Read More
  16. User Score
    10
    March 12th, 2015
    1 people found this review helpful!
    Just starting program. Info I received to enroll was professionally presented.
    Read More
  17. User Score
    10
    March 12th, 2015 Santa Clara, CA
    0 people found this review helpful!
    I am so happy that beyond my frustrations about my debt i was able to find somebody who is very helpful and tried to explain the simple ways of not going too far and live my entire life of paying my debts that never stops going up and up and up because of high interest rates. They should help poor people but instead they buried us with a never ending debts … thank you Ryan !!!
    Read More
  18. User Score
    9
    March 9th, 2015
    0 people found this review helpful!
    It was so easy. He answered all my questions.
    Read More
  19. User Score
    10
    March 9th, 2015 Long Beach, CA
    1 people found this review helpful!
    Mr. LaSalle was very pleasant and helpful.
    Read More
  20. User Score
    10
    March 9th, 2015 Torrance, CA
    0 people found this review helpful!
    Shawn Murphy was a great member of your team to talk to. He was very helpful and understanding.He helped me out with all my questions i had and made me feel really welcomed and like i had nothing to worry about with choosing you as my debt relief company.

    Thank you guys very much.
    Brent Fitler

    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