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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
    10
    January 24th, 2015 Arlington, TX
    1 people found this review helpful!
    i owed a tax debt and had a hard time finding the right company to help me till a co worker told me bout these guys they got my tax debt reduced and got me out of debt really fast i recommend them to anyone
    Read More
  2. User Score
    10
    January 22nd, 2015 Beverly Hills, FL
    2 people found this review helpful!
    I have been talking with debt companies, attorneys, and other credit help organizations for the last year and a half. I have not felt “right” about any of them. I stumbled across Accredited Debt Relief on Steve Rhodes’ website and immediately called. From the start, Shawn Murphy was extremely knowledgeable, kind, and compassionate to our situation. I felt a real sense of peace in moving forward with ADR to fix our debt situation. He guided me through the whole process and answered every question. I can’t explain the huge weight I feel lifted off of me!
    Read More
  3. User Score
    10
    January 21st, 2015 Millbrook, AL
    0 people found this review helpful!
    Robert has stayed in touch with me during this enrollment and has been able to answer all of my questions. This is an anxious time for me and I am hoping and praying this will be behind us in the near future. So far I can say my experience has been very good.
    Read More
  4. User Score
    10
    January 20th, 2015 Creston, CA
    2 people found this review helpful!
    I had no idea that Companies such as yours existed, I was up against the wall with my debts and thought I could handle them until the tide of bad luck turned to no luck. Situations change in a persons life that for the most part are hidden from us until it happens which could be good or bad, positive or negative, in my case it was bad. Then I surfed the Internet trying to figure out what my next move was going to be or even if I had a choice. That’s when I found your website. When I tried to investigate a little bit to see if you all were the bonafide deal, all I came up with was a lot of Good Vibes. So I filled out the little Intro and within 30 minutes or so I got a call from one of your Reps. Everything we talked about made me feel ALOT BETTER. It was a AWESOME EXPERIENCE. Afterwards, I waited for about 5 days for the Package Deal to come (which is one of things we talked about). While waiting for it I had questioned myself on whether I had done the right thing or not, yes I had some doubts but when the package came and I opened it up and reviewed it, my doubts were unfounded. This is the REAL DEAL. It’s kind of like a big weight has been lifted off of me. Ofcourse I know there’s obstacles down the road and for 3 to 4 years I’m going to bite the bullet but after it’s all done, I’ll be a much Happier Person. I am TRULY HAPPY I found You and the Rep or the Counselor (I don’t know the term) was a EXCEEDINGLY Nice Guy, Super Knowlegeable, Helping Me in every way, courteous, polite but still down to earth. Thankyou So Much !!!
    Read More
  5. User Score
    10
    January 20th, 2015 Daytona Beach, FL
    2 people found this review helpful!
    shawn was excellent with me he did an outstanding job for us. thank you james
    Read More
  6. User Score
    9
    January 20th, 2015 Houston, TX
    0 people found this review helpful!
    Michael was great, patient and very helpful. He took extra time to walk thru all the explanitons and regulations., very knowledgeable. Was glad I called!
    Read More
  7. User Score
    10
    January 20th, 2015 El Centro, CA
    0 people found this review helpful!
    Great customer service, the best one
    Read More
  8. User Score
    10
    January 17th, 2015 Farmington, MI
    0 people found this review helpful!
    Jessica was very informative and professional throughout our signup process. She was sensitive to our situation and made sure we had reasonable expectations of the program. We look forward to working with her.
    Read More
  9. User Score
    9
    January 17th, 2015 Charlotte, NC
    0 people found this review helpful!
    unfortunately i got myself into this situation. However after checking with many other companies and talk with their representatives, I found talking with Jessica from made me feel comfortable sharing and hopeful that my situation is fixable. She was friendly and professional. Thank You Accredited Debt Relief.
    [email protected]
    Read More
  10. User Score
    10
    January 11th, 2015 Galveston, TX
    0 people found this review helpful!
    Very satisfied.
    Read More
  11. User Score
    10
    January 9th, 2015 San Rafael, CA
    0 people found this review helpful!
    I am much more confident that I made the right choice after I spoke with Jessica, my new debt consultant. Reconciling outrageous debt issues when we are already going through hard times at home is not easy to do. Having found a real human to speak with who has a genuine concern for my well-being and successful financial recovery, was truly a blessing to experience.
    Read More
  12. User Score
    10
    November 11th, 2014 Lawndale, CA
    0 people found this review helpful!
    Andrew over at accredited is wonderful to work with . He made what could have been a very uncomfortable conversation into a conversation of relief and thankfullness. I’m glad I made the call and thanks again for your help and support.
    Read More
  13. User Score
    10
    November 11th, 2014 San Diego, CA
    0 people found this review helpful!
    The company has been great at helping answer all of my questions . I feel. Very comfortable and happy to be working with them.
    Read More
  14. User Score
    9
    November 6th, 2014 Mountain View, CA
    0 people found this review helpful!
    I spoke with the representative at Accredited and they were very easy to talk to. I explained my situation, and my rep listened to my concerns and was able to lay out a clear plan. After speaking with other companies, it’s clear the customer service here is head and shoulders above the rest, and I’m very happy with my decision to go with Accredited Debt Relief.
    Read More
  15. User Score
    10
    November 5th, 2014 Sutherland, IA
    1 people found this review helpful!
    We just started to speak and work with them. We had spoke to a few other companies before and they seem to be the most knowledgeable. Their price and payment was also the best.
    Read More
  16. User Score
    10
    October 27th, 2014 San Diego, CA
    1 people found this review helpful!
    I’ve been with this company for over a year and they have done nothing but miracles with my debt! My agent has been there for me every step of the way like he promised. Whenever I call him for a question, he will always answer my calls. They have already settled with more than half of my accounts and I couldn’t be more happy with how it’s going so far! You guys rock!!
    Read More
  17. User Score
    10
    October 26th, 2014
    0 people found this review helpful!
    I spoke with Marcus with accredited debt relief. He and the company was very professional and made me feel very comfortable. I look forward to getting out of debt with them.
    Read More
  18. User Score
    9
    October 22nd, 2014 Brooklyn, NY
    1 people found this review helpful!
    I have had this debt for more than half my life and I finally found a way to deal with it. Thank you for all of your help and guidance for this extreemly stressful time in my life. I can’t wait to have no debt!
    Read More
  19. User Score
    10
    October 22nd, 2014 New York, NY
    1 people found this review helpful!
    I have nothing but good things to say about Accredited Debt Relief. The agent I spoke with was very thorough in assessing my situation and made the entire process a very comfortable experience.
    Read More
  20. User Score
    10
    October 22nd, 2014 Scottsdale, AZ
    0 people found this review helpful!
    Just spoke to them the other day and they had the best customer service and I’m looking forward to getting my debt settled once and for all!!
    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 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

1,137