Accredited Debt Relief Synopsis 

Review Summary: Accredited Debt Relief offers programs for consumers who have accumulated a large amount of unsecured debt. It helps by offering a variety of solutions including reducing interest rates, consolidating debt, and negotiating a lower settlement amount with creditors. There are no upfront costs. Accredited Debt Relief only gets paid if it is able to help you.  

Recommended for: Accredited Debt Relief is recommended for consumers who find themselves with at least $10,000 in debt and are in a combination of the following situations: their debt payments are too high, interest rates are too high, they are only able to make minimum payments, credit cards are maxed out, they are missing payments, and/or the debt is taking a toll on their quality of life.  

Pros and Cons of Accredited Debt Relief

Accredited Debt Relief Reviews

Accredited Debt Relief Full Review 

Overview 

Accredited Debt Relief is a debt relief company that helps consumers through its debt resolution program.  

The debt relief programs it offers include debt consolidation, debt settlement, credit card consolidation, credit counseling, and bankruptcy.  

Its debt resolution program may help consumers reduce their monthly payments and resolve the debts more quickly than what would be possible on their own.  

Accredited Debt Relief customers typically pay 55% of their original balance, on average.  

It can only help with unsecured debts such as credit card debt, medical debt, personal loans, and payday loans. It does not help with mortgages, car loans, or federal student loans.  

Accredited Debt Relief Process  

Here is the general process you can expect if you are interested in working with Accredited Debt Relief, although it may vary depending on the type of program you are enrolled in:  

• Step 1: Free consultation. A consultation can be obtained online or over the phone in which Accredited Debt Relief will do a review of your finances and provide you with options.  
• Step 2: Get a personalized plan and enroll. A certified debt specialist will put together a custom debt resolution program for your situation that is based on your total amount of debt, monthly budget, and financial goals.   
• Step 3: Start saving money. Once enrolled, Accredited Debt Relief will open a settlement account that you own, and you will start making monthly payments into this account. This account will later be used for the purpose of resolving your debt.  
• Step 4: Negotiations begin. The certified debt specialists will begin to negotiate with the creditors to reach more favorable terms.  
• Step 5: Reach an agreement. Accredited Debt Relief will reach an agreement with creditors, receive approval from you, and start paying the creditors from the dedicated settlement account 

This process is repeated with each creditor until all debts are paid.  

Please note that debt resolution plans may vary. 

Accredited Debt Relief Rates and Fees 

Accredited Debt Relief does not collect any fees until new terms are met with a creditor, at least one payment has been made toward the new agreement, and Accredited Debt Relief has reduced the amount of debt owed.  

Accredited Debt Relief charges between 15% and 25% of the total debt balance. 

Accredited Debt Relief Company Information 

Accredited Debt Relief was founded in 2011 by a group of financial professionals after surviving the 2008 recession. During that time, they learned that it was possible to alleviate debt by negotiating directly with creditors.  

Their background in financial services gave them knowledge about how to deal with the creditors they knew most people didn’t have.  

Accredited Debt Relief was formed to offer this assistance to Americans who also fell into debt.  

Accredited Debt Relief has helped more than 200,000 Americans, and the company is very highly rated by its customers.  

It is based in San Diego, California. 

States Serviced by Accredited Debt Relief 

Accredited Debt Relief services consumers in the following 31 states and the District of Columbia: 

• Alabama 
• Alaska 
• Arizona 
• Arkansas 
• California 
• Colorado  
• Florida 
• Idaho  
• Indiana 
• Iowa 
• Kentucky 
• Louisiana 
• Maryland 
• Massachusetts 
• Michigan  
• Mississippi 
• Missouri 
• Montana 
• Nebraska 
• Nevada  
• New Mexico 
• New York  
• North Carolina 
• Oklahoma 
• Pennsylvania 
• South Dakota 
• Tennessee 
• Texas  
• Utah 
• Virginia 
• Washington, D.C. 
• Wisconsin 

Read More About This Topic:

• Debt Consolidation Pros and Cons
• 2022 Guide to Monitoring and Repairing Your Credit
• The 5 Best Debt Consolidation Companies in California

Reviews last updated: 10/14/24. (Reviews are typically updated monthly.)

Ratings last updated: 9/6/24. (Ratings are typically updated quarterly.)