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#2
Accredited_Debt_Relief

Accredited Debt Relief

Nationally accredited debt relief company specializing in debt settlement. Positive customer reviews of company agents.

Our Score
8.8
User Score
9.7

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 Debt

15-25%

Accreditations

AFCC & IAPDA

Free Consultation

Yes

Min. Debt Accepted

$10,000

Money-Back Guarantee

No

Number of Reviews

422

This Review is maintained by

Review Last Updated: June 19, 2019

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.

Get a free consultation from Accredited Debt Relief 

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 in one of the 28 states that Accredited Debt Relief is in, we highly recommend working with them.

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1-(866) 637-9581

422 Accredited Debt Relief Reviews

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  1. 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
  2. User Score
    10
    February 2nd, 2019 Port Arthur, TX
    1 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
  3. User Score
    10
    January 31st, 2019
    0 people found this review helpful!
    my wife and I were looking to consolidate alot of crippling debt, the process was easy and fast, the rep was amazing in explaining the process.
    Read More
  4. User Score
    9
    January 29th, 2019 Lowell, MA
    0 people found this review helpful!
    Sharicka put me at ease and explained the important details in order to help me understand what was available to me to me simple.
    Read More
  5. User Score
    10
    January 29th, 2019
    3 people found this review helpful!
    Anton V was very professional and educational. He was very clear and concise. Anton did not make me feel as if I were a failure because of my debts. On the contrary, he gave me a breath of fresh air.
    Read More
  6. User Score
    10
    January 28th, 2019
    0 people found this review helpful!
    Brad was great!!! He assisted with my debt relief effort and walked me through every step to get enrolled and I feel confident I will be completely out of debt soon. Thank you and I especially thank Brad.
    Read More
  7. User Score
    10
    January 28th, 2019 Northridge, CA
    1 people found this review helpful!
    Explanation of services provided was excellent by Anton. Very professional, thorough and kind.
    Read More
  8. User Score
    10
    January 28th, 2019 Lake Ariel, PA
    0 people found this review helpful!
    Great customer service.
    Was understandably aware of my financial situation . This is a great solution.
    Read More
  9. User Score
    10
    January 28th, 2019 Lake Ariel, PA
    0 people found this review helpful!
    Great service. Very understanding of my situation.
    Read More
  10. User Score
    10
    January 26th, 2019
    0 people found this review helpful!
    Great Customer Service
    Read More
  11. User Score
    10
    January 25th, 2019
    2 people found this review helpful!
    Brad was incredibly helpful and thorough. I was unsure of this process and how it would work, but Brad guided me through the process, answered all my questions, and put my mind at ease. I look forward to getting out from under this unsecured debt once and for all. Brad is a professional in every sense of the word and an asset to your company.
    Read More
  12. User Score
    9
    January 23rd, 2019 Spokane, WA
    2 people found this review helpful!
    HE was very through and answered my questions
    Read More
  13. User Score
    10
    January 22nd, 2019
    1 people found this review helpful!
    Karina R. was extremely helpful, knowledgeable, patient and professional. We look forward to resolving out debt issues. I personally will let anyone in our situation know about your company.
    Read More
  14. User Score
    10
    January 16th, 2019 Goose Creek, SC
    1 people found this review helpful!
    ALTON V HAS BENN AMAIZING PERSON I M GLAD TO HAVE THE OPPORTUNITY TO WORK WITH HIM
    Read More
  15. User Score
    10
    January 15th, 2019
    1 people found this review helpful!
    Dan was very Professional and explained everything completly
    Read More
  16. User Score
    10
    January 15th, 2019
    0 people found this review helpful!
    I was impressed with the knowledge this individual had in helping me get my act together.

    Thank you kindly

    Read More
  17. User Score
    10
    January 14th, 2019
    3 people found this review helpful!
    Thank you Steven C for your help. You were very thorough and explained the process to where I could understand. Your service will enable me to live again and get out of debt. I will recommend your service to anyone who needs it.
    Read More
  18. User Score
    10
    January 9th, 2019 Germantown, MD
    2 people found this review helpful!
    Karina was super helpful and thorough explaining the program to me. Made me feel comfortable while helping me weigh out my options.
    Read More
  19. User Score
    10
    January 8th, 2019 Walnut Creek, CA
    0 people found this review helpful!
    Great customer service from Anton.
    Read More
  20. User Score
    10
    January 6th, 2019
    3 people found this review helpful!
    Dan B was an awesome Senior Account Executive! He was very flexible and help answer all our questions! We couldn’t ask for a better experience!
    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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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
9.7
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

422
Our Score
9.1
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

1,185