Updated on

Accredited Debt Relief Review

Accredited Debt Relief is a leading debt relief company that can reduce your total debt amount by up to 40%. If you’re interested in debt consolidation and debt settlement, Accredited Debt Relief can help you become debt free in as little as 12-48 months.

Accredited Debt Relief Review
Accredited Debt Relief
Diverse service offering
Accredited member of AFCC and IAPDA
Free tax relief consultation
Available in 32 states
Low minimum debt requirement
Must have at least $10,000 worth of eligible debt
Trustworthiness and stability
Must be several months behind on payments
Choncé Maddox
Written by:Choncé Maddox
Certified Financial Education Instructor (CFEI)

Reviewed by: Sarah Brooks, Personal Finance Writer and Editor

Fact Checked by: Thomas Brock, Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

If you’re struggling with unsecured debt, whether that’s credit card debt or medical bills, Accredited Debt Relief can help consolidate these bills into one, typically lower, monthly payment. Ranked as one of the best debt relief companies of 2023, Accredited Debt Relief allows you to lower the total amount you owe, reduce your monthly payment, and avoid filing for bankruptcy.

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.


Editor’s Note (Warning)

Managing debt is hard, especially if you have a variety of loans 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 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 incredibly expensive, and your credit score will be negatively impacted.

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.

What Is Accredited Debt Relief?

Accredited Debt Relief was founded in 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.

Accredited Debt Relief has helped over 200,000 individuals and families get out of debt, and has resolved over $1 billion in debt. When working with Accredited Debt Relief, you’ll have over 930 financial experts at your fingertips to discuss your concerns and help answer any questions you may have.

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. 


Accredited Debt Relief Pros and Cons 

If you’re considering consolidating your debt with Accredited Debt Relief, you need to consider the pros and cons of using this service.

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

In order to work with Accredited Debt Relief, you need to have unsecured debt. Unsecured debt is any debt that is not backed by collateral, such as credit card debt and personal loans. Secured debt, on the other hand, is debt that is backed by an asset, such as mortgages and auto loans. Accredited Debt Relief is not able to help you consolidate your secured debt obligations.

Here’s a close look at  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 negotiate with your creditors and help you consolidate these debts to just one payment.
  • Personal loan debt: Personal loan debt can be overwhelming and have a high interest rate. Accredited Debt Relief can help make your payments more manageable through debt settlement.
  • Department store debt: Accredited Debt Relief can help you settle debt on department store cards that are maxed out and have a negative impact on 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 Service Features

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 offered: 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 from Accredited Debt Relief 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 two to four 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 50% of the total enrolled debt balance when paying off debt with Accredited Debt Relief.

Research and write about these features, and then summarize the information in a table.

Breadth of Services OfferedDebt consolidation and debt settlement
Extent of Geographic PresenceAvailable in 32 states
Minimum Debt Required$10,000
Average Time for Relief2 years
Average Relief Amount50%

Accredited Debt Relief Costs and Fees

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 total debt balances at the time of enrollment.
  • Cancellation Policy: You can cancel at 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.
  • Money-back Guarantee Policy: Accredited Debt Relief comes with a money-back guarantee, meaning you can cancel at any time with no penalty fee and no further obligation.


Upfront FeesNone
Settlement/Performance Fees15% - 25% of enrolled debt balance
Other FeesNot disclosed
Cancellation PolicyYes
Money-back Guarantee PolicyYes

Accredited Debt Relief Application Process

Applying for debt consolidation with Accredited Debt Relief can be done in just three simple steps:

  • Request an online quote or call the debt consolidation team to receive your free consultation. If you’re applying online, you’ll simply enter in your total unsecured debt amount, your name, your email address, and your phone number. 
  • A Certified Debt Specialist will reach out to you to review your options and answer any questions you may have.
  • If you choose to move forward, the Certified Debt Specialist will walk you through the enrollment process so you can start paying off your debt once and for all.

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 are some general details about what the company offers in terms of support and user-friendly services.

  • Website Extensiveness & Usability: The website is 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 email 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 & 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, and bankruptcy.
  • Mobile Technology: Currently, Accredited Debt Relief only has a website that you can access from a desktop or mobile device. 

Accredited Debt Relief Trustworthiness and Stability

Accredited Debt Relief has 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 and 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 in 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.


Years in Business11 years
Customers Serviced / Debt Managed200,000 customers / $1 billion +
Certifications and Memberships

American Fair Credit Council 

International Association of Professional Debt Arbitrators

Accredited Debt Relief User Reviews

Accredited Debt Relief has an A+ rating on the Better Business 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 in 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.” - Trustpilot user
  • “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.” - Consumer Affairs user

There are only a few people who gave Accredited Debt Relief a negative review and this was mainly due to 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

Accredited Debt Relief isn’t the only debt consolidation company out there, and it’s always best to compare your options before making a decision. Here are some of the similarities and differences among three of the most popular debt relief options.

 Accredited Debt ReliefFreedom Debt ReliefNational Debt Relief
Minimum debt required$10,000$7,500$7,500
Fees15% to 25% of settled amount15% to 25% of settled amount15% to 25% of settled amount
Cancellation PolicyYesYesNot disclosed
Money-back Guarantee PolicyNot disclosedYesYes
Average Relief AmountUp to 50% of enrolled debtVariesUp to 50% of enrolled debt

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 fairly straightforward and can help you cut the amount of debt you owe by up to half, and be completely debt-free within 12 to 48 months.

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. It came about after the economic crash of 2008 when the founders realized they were struggling with credit card debt. If they were struggling, they knew many other households must have been struggling, too. Since its inception, they’ve helped over 200,000 households get out of debt and get back to their lives.


Choncé Maddox

Written by: Choncé Maddox

Certified Financial Education Instructor (CFEI)

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

More about me
Sarah Brooks

Reviewed by: Sarah Brooks

Personal Finance Writer and Editor

Sarah Brooks is a personal finance writer and editor with more than 10 years of experience. She specializes in personal and business loans, mortgages, auto loans, and credit cards.

More about me
Thomas Brock

Fact checked by: Thomas Brock

Chartered Financial Analyst (CFA) and a Certified Public Accountant (CPA)

Thomas is a well-rounded financial professional, with over 20 years of experience in investments, corporate finance, and accounting. He currently oversees the investment operation for a $4 billion super-regional insurance carrier, maintaining a dynamic investment policy designed to preserve capital, enhance...

More about me