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#34
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America Debt Resolutions

AFCC accredited and only costs 16-21% of the total debt you have

Our Score
3.0
User Score
--

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Our Score
3.0
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt enrolled
16-21%

Accreditations

AFCC or IAPDA
AFCC

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 years

Min. Debt

Min. debt accepted
Unknown

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
0

This Review is maintained by

Review Last Updated: December 21, 2016

America Debt Resolutions has been in the business of settling unsecured consumer debts since 2006 and have over 30 years of experience in settlement and finance.

Rank Chart
Price (% of debt)
Smallest Debt Accepted
Review

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

#34
america_debt_resolutions logo

16-21%
Unknown

The Good

America Debt Resolutions offers a debt settlement program providing consumers with some beacon of light when they are under financial hardship. The company provides a free no-risk, no-obligation consultation where an enrollment specialist will assess the financial hardship of each consumer and determine if their services will help carve a path to financial freedom.

This company charges competitive service fees ranging between 16-21% of the total debt you enroll and operate on a guarantee that no money will be charged to the client unless they are able to successfully negotiate a debt. Service fees will be listed in a client agreement and a predetermined amount will be paid monthly to an FDIC insured escrow account. Once enough funds are accumulated their professional team of arbitrators will contact creditors to negotiate and settle debts. After clients agree to the settlement amount, they pay the creditor and service fees to American Debt Resolutions using the money stored away in the escrow account.

One aspect setting this company apart is each consultant working for the company is salary based. By avoiding commission based employees, this allows consultants to focus more on clients and less on their wallets. They provide a guarantee to provide dedicated arbitration support after completion of the program and upon request will obtain outstanding zero balance letters on the clients behalf.

We appreciate this company taking the time and resources to become fully accredited with the AFCC (American Fair Credit Council) in their seventh year, and FTC compliant.

Additionally, ADR provides a dedicated team of client relations coaches who will work with each individual on a monthly basis. Every four to six weeks coaches reach out to provide updates to enrolled client accounts, which are also accessible via an online client portal.

This company also promises to keep personal and valuable information safe, never outsourcing any personally identifiable information to third-party sites. Many of their competitors state in the fine print they will sell, trade, or use personal information to their third-party affiliates, so this is certainly another aspect we highly appreciate.

Highlights to this company include:

  • Competitive service fees starting at 16%
  • 30 years of industry experience
  • AFCC and IAPDA accredited and certified
  • Full company transparency
  • Free consultation

The Bad

With any debt settlement companies risks involved, such as tax, lowered credit scores, and possibility of litigation.

We would like to any sort of minimum debt requirement from American Debt Resolutions. We would also like to see any sort of money back guarantee from them.

The Bottom Line

America Debt Resolutions is a highly respected company providing complete transparency to consumers and clients alike. They hold accreditation and certification with the AFCC and IAPDA. They have a track record for successfully resolving client’s debt, although they offer no means to help consumer and clients become knowledgeable concerning methods and techniques to keep them out of debt. Overall, we recommend  going with a company that has more accreditations and a money back guarantee. Click Here for Our Top Recommended Debt Settlement Providers.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • 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
3.0
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt enrolled
16-21%

Accreditations

AFCC or IAPDA
AFCC

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 years

Min. Debt

Min. debt accepted
Unknown

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
0
Our Score
9.1
User Score
8.9
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
978