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Accredited Debt Relief Review: Expert Analysis & User Insights

Accredited Debt Relief is a leading debt relief company that can reduce your total debt amount by up to 50%. If you’re interested in debt consolidation and debt settlement, you can get a free debt consultation to see which program options can help you become debt free in as little as 12 months. In this Accredited Debt Relief Review, you’ll learn more about how the program works, pros and cons, and any fees to consider to help you decide if debt settlement is right for you.

Accredited Debt Relief Review
Accredited Debt Relief
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Diverse service offering
Diverse service offering
Free tax relief consultation
Free tax relief consultation
Low minimum debt requirement
Low minimum debt requirement
Trustworthiness and stability
Trustworthiness and stability
Choncé Maddox
Written by:Choncé Maddox
Certified Financial Education Instructor (CFEI)

Accredited Debt Relief has been around since 2011. After the economic crash of 2008, the founders realized people were struggling in debt and needed help. The Accredited Debt Relief team uses its background in credit and financial services to negotiate directly with creditors to settle their customers’ accounts.

This company provides a personalized relief plan that’s easy to stick to and many customers are able to get rid of their debt in anywhere from 12 to 48 months.

Editor’s Note (Warning)

Managing debt is hard, especially if you have many loans and accounts with different interest rates. If you find that the burden of debt is too heavy, you may consider partnering up with a debt relief service.

Debt relief companies help negotiate with creditors to settle your debt for lesser amounts. This means you could end up paying a smaller monthly payment or reduced total payoff amount to rid yourself of debt. On the other hand, working with debt relief companies can be risky, especially since they often expect you to save money in an account each month in addition to all your other regular expenses.

Some companies may even tell you to start paying creditors, but this can result in late fees and reduce your credit score. If your debt accounts become delinquent, some lenders may even decide to take legal action against you. Also, debt relief is not a guarantee. The company won’t assume responsibility for your debt and they can’t promise to help you save any money but they will try to negotiate on your behalf.

Debt settlement is not always the best option for everyone, so consider it carefully and make sure you understand what your plan requires.

Summarized Rating

This parameter considers service offering breadth, geographic reach, and minimum debt level requirements. Each of these features was evaluated using the five-point scoring system. Then, the various scores were aggregated and averaged to establish an overall services and solutions score.

Accredited gets an average 3.3 for Services and Solutions. This reflects its fairly standard service offering, extensive geographic footprint, and relatively high minimum debt requirement.

Accredited Debt Relief Pros and Cons

Accredited Debt Relief Pros
Free consultation and no upfront fees
Customized debt relief programs
Save up to 50% of enrolled debt payments
Accredited Debt Relief Cons
Secured debts aren’t eligible
Fees can be as high as 25% of enrolled debt
Not available in every state

Types of Debt Covered By Accredited Debt Relief

One of the key requirements to work with Accredited Debt Relief is having unsecured debt since they do not help settle secured debt.

Unsecured debt is a debt that’s not backed by any underlying assets. Instead, unsecured debt is often obtained through an application process where the lender checks your credit to see if your score is high enough to qualify for the loan or line of credit. With secured debt, the debt is secured or backed by an asset or collateral. This could be a car, home, checking account, investments, etc. With unsecured debt, a lender is able to seize your collateral asset if you are unable to make timely loan payments.

Here’s a summary of the type of unsecured debt Accredited Debt Relief will help you with.

  • Credit cards: If you have multiple credit cards with high or maxed out balances, Accredited Debt Relief can help you consolidate these debts to just one payment and negotiate with your creditors.
  • Personal loan debt: Personal loan debt can still be overwhelming and have a high interest rate. This company can help make your payments more manageable through debt settlement.
  • Department store debt: Accredited Debt Relief can also help you settle debt on department store cards that are maxed out and negatively impacting your credit report.
  • Medical debt: If medical bills are stressing you out or you have accounts in collections, Accredited Debt Relief has experts to help negotiate a debt settlement for you.

Accredited Debt Relief Services

Sometimes, debt relief companies offer a few different services to help you get out of debt. Here’s what you can expect when working with Accredited Debt Relief along with the types of customers they tend to help.

  • Breadth of services offering: Accredited Debt Relief offers a free consultation with a Certified Debt Specialist to assess your situation. They also provide debt consolidation and debt settlement services by negotiating with your creditors. The main goal is to help you get relief from your debt. Once you complete your consultation and choose a program that works for you, you’ll be directed to open an account and start transferring a fixed amount each month to save for a future debt settlement agreement.
  • Extent of Geographic Presence: Debt relief services are currently only available in 32 states.
  • Minimum Debt: To qualify for services, you need to have at least $10,000 or more in unsecured debt.
  • Average Time for Relief: The average time it takes can range from 2 to 4 years but Accredited Debt Relief has helped some customers settle their debt in as little as 12 months.
  • Average Relief Amount: The average customer saves 55% of the total enrolled debt balance when paying off debt with Accredited Debt Relief.
Breadth of services offering Debt consolidation and debt settlement
Extent of Geographic Presence Available in 32 states
Minimum Debt Required $10,000
Average Time for Relief 2 years
Average Relief Amount 55%

Accredited Debt Relief Costs and Fees

So how much does debt settlement cost? It really depends but Accredited Debt Relief has straightforward fees and won’t charge you anything until they prove they can settle your debt and save you money.

  • Fees: There are no upfront fees with Accredited Debt Relief but you will be charged a fee when you agree to a debt settlement plan. This fee can range from 15% to 25% of your debt balances at the time of enrollment.
  • Cancellation Policy: You can cancel any time for any reason. However, if you’ve already agreed to a debt settlement plan, you may need to pay the settlement fee before canceling.
  • Moneyback Guarantee Policy: Accredited Debt Relief does not mention anything about a moneyback guarantee policy on the website so it’s unknown whether they offer this.
Upfront Fees None
Settlement/Performance Fees 15% - 25% of enrolled debt balance
Other Fees Not disclosed
Cancellation Policy Yes
Moneyback Guarantee Policy Not disclosed

Accredited Debt Relief Customer Experience

Since you could be in a debt relief program for 12 to 48 months or more, it’s important to consider the customer experience to help set expectations. Here is some general details about what the company offers in terms of support and user-friendly service.

  • Website Extensiveness and Usability: The website is very user-friendly and easy to navigate. While there’s not a ton of information on the website, it’s not overwhelming and you can understand the basics about how the program works. There’s also an FAQ page that answers common questions in more detail.
  • Expanded Call Center Support: Customer service is available by phone from 5 am to 9 pm PST Monday through Friday and 5 am to 4 pm PST on Saturday and Sunday. If you need help with your account or have questions, you can also reach someone by emailing the company at
  • Multi-channel Support: Accredited Debt Relief doesn’t have an app, and there’s no login button on the website for existing customers to access their account.
  • Supplemental Support (Information and Tools): There is a helpful FAQ section on the site to answer common questions about what debt resolution is, how their program works, tax and credit questions, and more. You can also visit their blog to learn more about debt relief, debt consolidation, credit card debt, bankruptcy, and more.
  • Mobile Technology: Currently, it seems like Accredited Debt Relief only has a website that you can access from a desktop or your mobile device.

Accredited Debt Relief Trustworthiness and Stability

Maybe you’ve heard of the company before reading this Accredited Debt Relief review, but if you’re new to debt settlement, there’s a chance you haven’t.

Accredited Debt Relief is newer in this industry. However, they have a solid proven track record and a hopeful future outlook for even more success in helping customers get rid of debt.

  • Years in Business: Accredited Debt Relief has been in business since 2011. In just 11 years, the company has grown from a small group of financial professionals to a large, highly-rated team of debt relief professionals. Today, there are more than 930 debt experts readily available to help with your situation.
  • Customers Serviced / Debt Managed: The company has resolved more than $1 billion of debt for more than 200,000 clients.
  • American Fair Credit Council (AFCC) Membership: Accredited Debt Relief is a member of the AFCC which is a leading national association of debt settlement companies.
  • International Association of Professional Debt Arbitrators (IAPDA) Membership: The IAPDA is an industry certification that confirms the organization’s commitment to staff training, customer service, and best business practices in the debt settlement industry.

Accredited Debt Relief User Reviews

Accredited Debt Relief has an A+ rating on the BetterBusiness Bureau and a 4.9 (out of 5) rating on Trustpilot.

Based on recent Accredited Debt Relief ratings, customers praise the level of customer service they received and the option to get a customized debt relief plan. Here’s what a few people had to say about their experience.

Great onboarding process! Zackary Stark explained everything to detail. I was hesitant but after speaking with him I am confident my debt will be settled and the weight will be lifted from my chest.

I am new to the program. Just getting underway but I have to say that when I called I got an immediate response with a very kind individual by the name of Erin. She was very understanding. Explained the entire process to me. She is very easy to talk to and I look forward to working with her and the company and getting my debt situation resolved.

There are only a few people who gave Accredited Debt Relief a negative review and this was due to issues like the high fee for debt settlement. Another person said their monthly payments to their dedicated account were too high. Be sure to fully read the agreement in detail and ask questions before working with any debt settlement company.

Accredited Debt Relief Compared to Other Companies

There are other debt relief companies out there that you may want to compare Accredited Debt Relief to. Here are some of the similarities and differences among 3 of the most popular debt relief options.

Accredited Debt Relief Freedom Debt Relief National Debt Relief
Minimum debt required $10,000 $7,500 $7,500
Fees 15% to 25% of settled amount 15% to 25% of settled amount 15% to 25% of settled amount
Cancellation Policy Yes Yes Not disclosed
Moneyback Guarantee Policy Not disclosed Yes Yes
Average Relief Amount Up to 50% of enrolled debt Varies Varies

Final Thoughts

Accredited Debt Relief is a legitimate debt relief company that can help you consolidate your accounts and negotiate debt settlements. You need a higher amount of unsecured debt to use this company, but their fees are around the same amount as competitors.

If you’re looking for high-quality customer service and don’t mind the lack of a mobile app or customer dashboard, Accredited Debt Relief could be a solid option to consider. The service is very straightforward and can help you cut the amount of debt you owe by up to half.

Frequently Asked Questions(FAQ)

Is accredited debt relief a legit company?

Yes, Accredited Debt Relief has been around for 11 years and has a proven track record of helping more than 200,000 customers settle their debt. Accredited Debt Relief’s BBB profile has an A+ rating along with hundreds of positive reviews from customers who’ve been helped.

Does debt resolution hurt your credit?

Yes, it’s normal to see a temporary drop in your credit score when working with a debt relief company. If you are considering debt relief, however, you may be struggling to make payments or have missed some payments which could have already negatively impacted your score. The quicker you get through the program, the sooner you’ll be able to improve your credit and lower your debt balances. 

How long has accredited Debt Relief been in business?

Accredited Debt Relief has been in business since 2011.

Choncé Maddox

Choncé Maddox

Certified Financial Education Instructor (CFEI)

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer.

More about me