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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 7th, 2015 Long Beach, CA
    1 people found this review helpful!
    Working with Robert was so stress free and he made me very comfortable and was very knowledgeable the process was very simple. Robert is someone I would recommend very highly.
    Read More
  2. User Score
    10
    March 6th, 2015 Riverside, CA
    0 people found this review helpful!
    Great friendly service. Awesome job
    Read More
  3. User Score
    5
    March 6th, 2015 Carmel, NY
    15 people found this review helpful!
    RATING BASED ON REPRESENTATIVE- This company asks for a review before any action is made with creditors. So being they ask for a review only after consultation and all I have done is given them my checking account # and got an estimated monthly consolidation, I’m not sure how I should rate this… Of course all people are nice and tell you what you want to hear in the beginning. I would rather wait until some action is made before I rate this company. So far my representative has been great and informative but like I said nothing has happened yet. I don’t think this is the right time to ask for a review. I will rate this 10 BASED ON REPRESENTATIVE not productivity. They have not gotten there yet. Pretty witty of the company to ask for review after they just told you they are going to help consolidate bills and make it sound so easy. (I hope they are right) Maybe a review in a few months would be more accurate…. Just saying.
    Read More
  4. User Score
    10
    March 4th, 2015 Phoenix, AZ
    1 people found this review helpful!
    Michael West was very polite, helpful, and professional. He made sense of everything. I look forward to working with him and your company to clear my debt. Thank you
    Read More
  5. User Score
    9
    March 3rd, 2015 Los Angeles, CA
    1 people found this review helpful!
    Carly Hoeim was excellent and expedient on her response to my inquiries !
    Read More
  6. User Score
    10
    March 2nd, 2015 La Porte, IN
    0 people found this review helpful!
    Carly was amazing to work with! I so appreciated her kindness and support. From the first day to enrolling today,Carly has shown above and beyond customer care. You’re very lucky to have her on your team, Thank you Carly.
    Read More
  7. User Score
    8
    March 2nd, 2015 Gretna, LA
    0 people found this review helpful!
    I received great service, and is on my way to be dedt free Thanks to Mr. West
    Read More
  8. User Score
    10
    March 2nd, 2015
    0 people found this review helpful!
    Shawn was great. I just hope I asked enough questions as this went pretty fast. Shawn was always courteous, and was very knowable in his presentation.
    Read More
  9. User Score
    10
    February 26th, 2015 Chesapeake, VA
    0 people found this review helpful!
    I am very impressed with my experience with Shawn. He is quite the business man. Making one feel at ease and answering questions as the pro that he is. I look forward to our endeavor to cleaning up the mess we’ve made of our financial situation and I am grateful.
    Read More
  10. User Score
    10
    February 25th, 2015 Sahuarita, AZ
    0 people found this review helpful!
    Robert Scott was extremely knowledeable and thorough. I appreciated his straight forward approach to our debt problem and solution. It was overall a very pleasant experience.
    Read More
  11. User Score
    10
    February 25th, 2015 Dewitt, MI
    0 people found this review helpful!
    Great product, but even better… AMAZING customer service! Robert deserves a huge shout out for being excellent and personable from the very first call!
    Read More
  12. User Score
    10
    February 25th, 2015 Pittsburgh, PA
    1 people found this review helpful!
    Very helpful with everything!
    Read More
  13. User Score
    10
    February 25th, 2015 Gwynn Oak, MD
    0 people found this review helpful!
    Michael West was great!! Extremely nice and helpful through the whole enrollment process. He was also able to give a very detailed explanation of everything and helped me to choose my best option.
    Read More
  14. User Score
    10
    February 20th, 2015 Richmond, VA
    0 people found this review helpful!
    I was very pleased and satisfied in the way my account was set up ,discussedand explainedto me by Robert ,Thanks .
    Read More
  15. User Score
    10
    February 20th, 2015 Bethesda, MD
    0 people found this review helpful!
    My experience was great
    Read More
  16. User Score
    10
    February 19th, 2015 Thurmont, MD
    0 people found this review helpful!
    Marcus was very helpful and made the process a positive experience…very knowledgeable and educated to speak with confidence which made me feel very relaxed about the process thank you
    Read More
  17. User Score
    10
    February 17th, 2015 San Diego, CA
    1 people found this review helpful!
    Although I can’t speak to the results of the program yet, setting up my account was easy. Robert Scott was courteous, professional and thorough. He answered all of my many questions (even those I asked more than once!) and was very patient with my lack of knowledge in this area.
    Read More
  18. User Score
    9
    February 16th, 2015 Kansas City, MO
    1 people found this review helpful!
    Marcus has been great with all my questions. He calls me to check to make sure I understand all the process. I couldn’t have ask for a better support person,
    Read More
  19. User Score
    10
    February 16th, 2015 Wake Forest, NC
    0 people found this review helpful!
    I reached a point were my credit card payments were overwhelming and getting nowhere in terms of paying them off. Michael West has been incredibly knowledgable, understanding, patient and willing to help me through the entire process of finding the best solution to my debt relief. I recommend this company and especially Michael West to anyone in need of financial advice and help. Thank you Michael!
    Read More
  20. User Score
    10
    February 16th, 2015 Elkton, MD
    0 people found this review helpful!
    Marcus,explained everything to me in great detail,and he answered all my questions. He made me feel very comfortable during the whole process.He is a class act.
    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