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#3
Accredited_Debt_Relief

Accredited Debt Relief Reviews

Reviews of Accredited Debt Relief from real customers
(371 verified)

Our Score
8.8
User Score
9.7
Our Score
8.8
User Score
9.7
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
12 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
371

Overall Score

Based on ranking criteria
8.8 /10

This Review is maintained by

Review Last Updated: November 10, 2018

Most Helpful Reviews

  1. User Score
    1
    Bertha Thomas
    December 13th, 2017 
    This company is terrible. It's been almost a year and half of my accounts are still in negotiations. Every month they want me to pay more. I'm a single mother of 2, and my payments are over $1000 a month. I try and tell them it's too high and I can't continue to make these payments but keep trying to get me to pay more. Also, I am now being sued by some of my creditors. They are also not saving me any money. I was not late on my payments before I enrolled in the company. They told me to stop paying the creditors, so I did. The creditors tacked on so many charges I owe them 2xs the amount. Clearone settles on a less amount which is basically what I owed before all the fees and charges, then clearone charges you. There is no savings. It's a joke.Read More
  2. User Score
    10
    lloyd christie
    June 30th, 2015 Brooklyn, NY
    The service was excellent. I was able to cut my monthly bill in half with a 30 month plan. The staff is courteous and very informative, they guide you through the process to make better decisions.Read More

The Good

Accredited Debt Relief Highlights
  • Excellent national accreditations
  • Debt settlement firm that has been in business since 2004
  • Overwhelmingly positive user reviews
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 debt settlement services.

Free Consultation Offered

Company representatives of Accredited Debt Relief (ADR) help forgive debt every day and offer a free consultation designed to help people in credit card debt understand where they are financially and what options they have for reaching a credit card debt settlement and becoming debt free.

Positive User Reviews

In review after review of ADR, we see people praising them for their knowledgeable staff in their debt counseling services. Not only that, because debt settlement can be a sensitive topic, many reviewers 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.

Pricing and fees for Accredited Debt Relief vary by state. In general, you will pay anywhere between 4-8% annually of your total debt. The most that Accredited can legally charge a consumer is 25%. Most consumers typically pay between 15-25% (according to the company’s website). This is consistent with most debt settlement companies.

Get started with Accredited Debt Relief

The Bad

Services from ADR are only available in 34 states. Other debt settlement companies are available nation-wide. You also have to settle at least $10,000 to even qualify for ADR’s debt settlement and debt counseling services. This limits the population who can use ADR. Additionally, ADR has only been in business since 2008, which may be a concern for consumers looking to work with the most established debt management companies with longer track records for their debt settlement programs.

We did find isolated reports from a couple of people who contacted ADR and wished the company had explained the entire settlement process, including how the debt management plan would affect their credit score along with more details surrounding the monthly payment amount, however, these experiences do not seem to be the norm.

  • Service not available in all states
  • Must have over $7.5k in unsecured debt to qualify
  • Company has only in business since 2008

The Bottom Line

Accredited Debt Relief is a great option for those who find themselves with over $7,500 of debt. The company offers relatively low fees ranging between 15-25%. The company offers a free consultation and an online dashboard to help you track your debt settlement program progress. Overall, we recommend working with Accredited Debt Relief.

Contact Information

Website: accrediteddebtrelief.com
Hours:
Monday- Friday: 7:00 AM – 7:00 PM Pacific
Saturday and Sunday 8:00 AM – 5:00 PM Pacific
Address:
591 Camino De La Reina, Suite #818
San Diego, CA 92108

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371 Accredited Debt Relief Reviews

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  1. 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
  2. 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
  3. 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
  4. 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
  5. 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
  6. User Score
    10
    January 20th, 2015 El Centro, CA
    0 people found this review helpful!
    Great customer service, the best one
    Read More
  7. 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
  8. 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
  9. User Score
    10
    January 11th, 2015 Galveston, TX
    0 people found this review helpful!
    Very satisfied.
    Read More
  10. 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
  11. 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
  12. 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
  13. 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
  14. 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
  15. 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
  16. 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
  17. 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
  18. 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
  19. 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
  20. User Score
    10
    October 8th, 2014 Long Beach, CA
    0 people found this review helpful!
    I’m sooooooo glad I found this company to help me with my credit card debt. I was embarrassed about my situation and they were very, very helpful and non judgmental. Thank you so, so much.
    Read More
  21. User Score
    10
    October 6th, 2014 San Diego, CA
    1 people found this review helpful!
    I’ve had credit card debt looming over my head since college. I could never pay down the debt so I finally decided to search for help. I’m so glad I found Accredited Debt Relief. The staff was nice and made me feel comfortable in my stressful situation. I’ve already settled a couple of my accounts and I’m looking forward to finally having no credit card debt!
    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 total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
12 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
371

Overall Score

Based on ranking criteria
8.8 /10
Our Score
9.1
User Score
9.0
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
955

Overall Score

Based on ranking criteria
8.8 /10