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American Debt Enders

American Debt Enders offers free consultations and no upfront fees. Costs are unknown and the company has no accreditations.

Our Score
2.9
User Score
--

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Our Score
2.9
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Varies

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 Years

NR

Min. Debt

Min. debt accepted
$5,000

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
0

This Review is maintained by

Review Last Updated: June 29, 2016

American Debt Enders is non-profit and does not provide any settlement services to consumers. Instead, they act as a channel for consumers under the burden of unsecured debt to reach out and be provided with a solution under their extensive network of affiliate debt settlement programs.

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

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

#40
american_debt_enders_review

Varies
$5,000

The Good

Free consultations are offered where a company representative will connect financially burdened consumers under economic hardship to an affiliate program suitable for their situation. Through Peak Legal Advocates, clients will be matched up with a lawyer licensed to practice in their state of residence. This gives them leverage when it comes to negotiating with creditors as lawyers are typically held to a higher standard and are taken more seriously in the financial industry.

Clients are required to enroll at least $5,000 in unsecured debt such as credit cards, department store cards, medical bills, repossessions, or any other debt not tied to collateral. Their affiliate debt settlement programs were designed to help clients settle debts in 3 years or less, depending on the amount enrolled.

Clients are required to set up an escrow account where a predetermined monthly payment will be saved in order to accumulate enough to begin the negotiation process. The average client settles debts for about 55 percent of what they owe, with all fees included.

Highlights to this company include:

    • Free consultation
    • Licensed lawyers to handle cases
    • Clients sign directly with attorney’s
    • Educational resources
    • Peak Legal Advocates boast an A+ BBB rating

The Bad

Some complaints about American Debt Enders include issues with their affiliates. Their business model is not in the position to guarantee satisfaction with any of their affiliates. If consumers use an affiliate, there is potential for running into issues of consistency.

We would like to see more transparency when it comes to the services they actually offer. The website is a difficult to navigate and fully comprehend what they are all about due to an over-abundance of links scattered throughout each page. This makes is difficult to discern any benefits or drawbacks to signing with this company and their affiliates. A more streamlined and organized approach would be appreciated.

Additionally, we have some concerns with their lack of accreditation with the BBB, AFCC, and certification with the IAPDA. Although this company does not provide services to clients, it would be assuring to know they are practicing with affiliates who are accredited and certified. Although, we do like the fact that they use licensed attorney’s when it comes down to debt settlement.

Our concerns with American Debt Enders include:

      • No rating with the BBB
      • Lack of pricing transparency
      • Limited guarantees
      • No accreditations

Compare to the top rated debt settlement companies

The Bottom Line

American Debt Enders offers an array of product offerings and operates through affiliates. They do not provide any specific programs to consumers. They act as more of a conduit for their affiliates. Debt settlement programs are not offered in CT, IL, KS, ND, SC, WA, WV and WY, limiting services to consumers in 42 states. Their lack of organization and transparency leads us to recommend bypassing affiliates and researching the top recommended companies for your settlement needs.

However, we’d recommend bypassing affiliates and researching the top recommended companies for your settlement needs.

Contact Information

Website: americandebtenders.com
Email: [email protected]
Phone: (877) 766-2465
Address:
American Debt Enders
265 Sunrise Hwy
Suite 1-#250
Rockville Centre, NY 11570

How Much Does American Debt Enders cost?

No fees are paid directly to American Debt Enders. All affiliates charge their own fees which vary depending upon type of program and amount of debt.

Are There Any Up-Front Fees?

No upfront fees for settlement services.

Can I Get A Free Consultation?

The company and all their affiliates offer and encourage consumers to take advantage of free consultations. The consultation will vary from company to company, but you can expect some up-front help from them without being charged.

Does American Debt Enders Offer A Money-Back Guarantee?

Yes. On its Debt Dispute program, American Debt Enders offers a 100% refund for any debt a creditor successfully validates.

What Types of Debt Does American Debt Enders Work With?

American Debt Enders deals only with unsecured debt.

About American Debt Enders

American Debt Enders was founded by Steven Ciantro in 2006. Through contractual agreements, ADE currently offers non-profit debt consolidation, debt settlement, credit restoration and free telephone bankruptcy counseling. The company is committed to helping clients find a solution, even if that solution is not offered with ADE. It should be noted that the company is not a direct provider of services, but helps with counseling to determine what the best solution will be.

Time In Business

American Debt Enders has been in business for 9 years. The business was founded in 2006 by Steven Ciantro.

BBB

They are not rated in the Better Business Bureau database.

Debt Education

A New Client packet is sent out referring to bankrate.com, which is used by many debt companies for payment schedules. They do provide some education links. One we particularly liked was the credit report quiz. In the quiz, true or false questions are posed regarding a number of assumptions most Americans make about credit reporting and credit scores. Live seminars on money management and budgeting are currently available in the Long Island, New York area. Credit Counselors are available to speak at no charge.

Mobile Friendly or Mobile App

They do not offer an app and their website is not mobile friendly. We would love to see them create a mobile friendly site or app to allow consumers to more easily interact with them.

Cancellation Policy

Varies depending on provider.

Types of Services Available

Debt management, debt settlement, credit restoration, free credit counseling and bankruptcy counseling are all available. Pay day loan service is referred out and student loan consolidation is referred only to the Department of Education.

Minimum Debt Accepted

Varies depending on partner.

Online Dashboard

Varies depending on the partner.

Accreditations

No, there is no accreditation with the AFCC or IAPDA.

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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
2.9
User Score
--
Rank this Company

Ratings Breakdown

Price

% of total debt / % of debt saved
Varies

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
9 Years

NR

Min. Debt

Min. debt accepted
$5,000

Guarantee

money back guarantee?
Unknown

Number of Reviews

User reviews here on BDC
0
Our Score
9.4
User Score
9.6
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
14 Years

A+

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
284