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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

439

This Review is maintained by

Review Last Updated: August 27, 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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439 Accredited Debt Relief Reviews

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  1. User Score
    10
    August 24th, 2018 Greenville, MI
    0 people found this review helpful!
    Very helpful and prompt
    Read More
  2. User Score
    10
    August 24th, 2018
    2 people found this review helpful!
    We were very impressed with Jeremy’s personality and professionalism in helping us with our unfortunate situation. He was helpful in every respect pertaining to the relief we were seeking.
    We would definitely refer any other acquaintances we might become aware of, who might be in a similar situation.
    Read More
  3. User Score
    9
    August 24th, 2018
    2 people found this review helpful!
    The representative was friendly and thorough explaining the details of this service. She took time to answer all of my questions for further understanding & made me feel very comfortable in selecting their program.
    Read More
  4. User Score
    8
    August 22nd, 2018
    0 people found this review helpful!
    He was straight forward and professional.
    Read More
  5. User Score
    10
    August 22nd, 2018 Worcester, MA
    0 people found this review helpful!
    This is a great place. They are incredibly patient and helpful. They are super focused on you and not about getting money from you. I have anxiety especially when making phone calls and I didn’t very anxious at all, they are human and I think that is amazing. They don’t judge you! Definitely call if you need help.
    Read More
  6. User Score
    10
    August 21st, 2018 Jersey City, NJ
    1 people found this review helpful!
    Karina R was absolutely amazing. She took the time to answer all my questions whether it was via email or over the phone. Her customer service is top of the line!
    Read More
  7. User Score
    10
    August 21st, 2018 Irving, TX
    0 people found this review helpful!
    Ference V is one of the most caring and personable individuals that I have ever had the pleasure of working with. It was really his empathy with my situation that made me want to work through my situation with Accredited Debt Relief. I just knew that he would work hard for me and assist me throughout the debt relief process! It is comforting to know that there are still good people out there willing to help when things get tough beyond our means. I appreciate this company and would recommend them to anyone.
    Read More
  8. User Score
    10
    August 17th, 2018 Chester, PA
    0 people found this review helpful!
    Everyone at Accredited was wonderful, helpful and very understanding. They didn’t make me feel embarrassed or ashamed for being in this situation. Thank you to all of you.
    Read More
  9. User Score
    10
    August 16th, 2018 Chester, PA
    0 people found this review helpful!
    I was overwhelmed with the personal attention I received and the relief I felt made me feel very special and excited to start a new debt free life.’ Thank you so very much for being there to help me. I don’t know what I would have done if I didn’t find you. Again…. Thank you.
    Read More
  10. User Score
    9
    August 15th, 2018 Pomona, CA
    0 people found this review helpful!
    Professional yet casual
    Read More
  11. User Score
    10
    August 14th, 2018
    1 people found this review helpful!
    Everything was great! Dan was understanding and very helpful !
    Read More
  12. User Score
    10
    August 9th, 2018
    1 people found this review helpful!
    Very pleasant and knowledgeable answered all my questions
    Read More
  13. User Score
    10
    August 8th, 2018
    0 people found this review helpful!
    Brad was terrific and guided me through the process and explained it to me clearly
    Read More
  14. User Score
    0
    August 6th, 2018
    1 people found this review helpful!
    Getting set up was always there to help me but been trying to call for over two weeks and no one will get back to me
    Read More
  15. User Score
    10
    August 3rd, 2018 Cutchogue, NY
    0 people found this review helpful!
    very pleased ,Brad was very professional. Brad took the time to explain everything completely was a complete thorough and answered every question I had
    Read More
  16. User Score
    10
    July 31st, 2018
    0 people found this review helpful!
    He answered all my questions and didn’t just brush anything off.
    Read More
  17. User Score
    10
    July 31st, 2018
    1 people found this review helpful!
    Daniel was great!!! Thank you Daniel for your guidance, patience, and understanding. I am so glad I found you.
    Read More
  18. User Score
    10
    July 31st, 2018 Bronx, NY
    0 people found this review helpful!
    Anton made feel at ease with his knowledge and compassion.
    Read More
  19. User Score
    9
    July 30th, 2018 Lynn, MA
    0 people found this review helpful!
    Steve was very patient and polite.
    Read More
  20. User Score
    9
    July 30th, 2018
    0 people found this review helpful!
    Brad was excellent with his help and making sure I understood everything.
    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

439
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

1,406