Accredited Debt Relief Reviews 2023

Are you struggling to keep up with your debt payments? You’re not alone. Millions of Americans are in debt, and many people find themselves unable to make even the minimum payments on their loans.

If this sounds like your situation, you may be interested in exploring Accredited Debt Relief’s services.

In this review, we’ll take a look at what they offer and how they can help you get back on track financially. So read on to learn more!


Accredited Debt Relief assists clients in negotiating settlements on unsecured consumer debt, such as credit cards and payday loans.

Since 2011, the firm has worked with over 140,000 customers. Its fees are competitive with other companies in the sector.

If Accredited Debt Relief cannot help you with debt relief, it can recommend you to someone who can via its extensive referral network.

Professional debt settlement firms, such as Accredited Debt Relief (ADR), exist to help clients lower this type of obligation, which may negatively affect household budgets.

Although ADR offers no guarantees about the result, it promotes its ability to lower enrolled debt balances by up to 50%, excluding fees, and assist clients in zeroing them out in two to four years. 

For their effort, ADR takes a sizable part of the amount of debt registered in the program, though many people still come out ahead.

Accredited Debt Relief is an option worth considering if you struggle to keep up with your unsecured debts. 

Keep reading to learn more about accredited debt relief reviews, processes, benefits, and drawbacks.


PortalAccredited Debt Relief
Minimum Debt Settlement Requirement$10,000
Fees15% to 25% of the enrolled debt
FeaturesNo upfront fees, Free consultation available, consultation with a trained debt expert
Number of reviews503
Community RatingStrong
WebsiteClick Here

Key Takeaways

  • Accredited Debt Relief company offers debt settlementdebt managementdebt consolidation, and bankruptcy assisting services.
  • This company helps to reduce your debt by up to 50% excluding fees.
  • Accredited Debt Relief company has a rating of 4.8/5 stars on TrustPilot.
  • This company also offers a money-back guarantee.

Pros & Cons


  • No upfront fees
  • May reduce enrollment debt by up to 50% excluding fees
  • Free consultation available
  • Helps reduce debt in 2-4 years


  • Enrollment requires at least $10,000 in qualifying debt 
  • Fees range from 15% to 25% of the enrolled debt

You may also like National Debt Relief

Our Take

Accredited Debt Relief is a well-known company that assists people in getting out of debt by negotiating a settlement with their creditors for a lower amount than what they owe. 

This company, which was founded in 2011, provides a free consultation and a money-back guarantee. 

With the help of this company and its services, consumers who are trying to get out of debt can devise a program to get there more quickly. 

However, if you have less than $10,000 in unsecured debt or want a live chat option, you should look elsewhere.

Key Features

Accredited Debt Relief Features
Accredited Debt Relief Features

Accredited Debt Relief provides debt settlement services that can assist you in reducing debt by allowing you to pay a fraction of what you owe. 

Debt settlement is not a perfect solution, but it can be used as a last resort for individuals who have tried all other options and want to avoid bankruptcy.

In addition, the debt relief company provides a free consultation with a trained debt expert and a no-risk guarantee with its services. 

That means you will not be charged any fees unless and until you get results from the debt settlement program. 

Furthermore, Accredited Debt Relief’s partners have over 20 years of combined expertise and hundreds of success stories to share.

How Does Accredited Debt Relief Work?

Have a look at this ‘Ask The Expert” video and get a clear view of how Accredited Debt Relief work to know if it’s the right solution for all your debt-related problems.

Company Overview

Accredited Debt Relief Overview
Accredited Debt Relief Overview

What Is Accredited Debt Relief?

Accredited Debt Relief, formerly Beyond Finance, is a debt settlement firm founded in 2004.

It started operation in 2010 under the trade name Accredited Debt Relief and was registered in 2011.

Its corporate headquarters are located in Houston and San Diego.

Accredited Debt Relief offers customized debt relief services and works with clients to reduce unsecured debt by up to 35-45%, including fees.

In addition to normal debt settlement programs, the company offers debt management, debt consolidation, and bankruptcy assisting services.

Read: Difference Between Debt Settlement And Debt Consolidation

Accredited Debt Relief does not offer debt relief services directly.

Instead, they work with several debt relief firms to provide you with the solutions you need for dealing with your massive debt.

Accredited Debt Relief also works with smaller businesses to help you pay less on your outstanding debt.

However, the debt settlement procedure is fraught with dangers and may not be appropriate for everyone.


Accredited Debt Relief does not charge any upfront costs. 

Instead, the firm charges performance-based fees, which are only paid once a good deal has been made with creditors on your behalf, including reducing the total amount of debt you owe. 

When this happens, you pay Accredited Debt Relief, a fee ranging from 15% to 25% of your enrolled debt amount at the time you joined the program. 

Types of Debts Addressed

Debts Addressed
Debts Addressed by Accredited Debt Relief

To work with Accredited Debt Relief, you must have at least $10,000 in eligible unsecured debt.

This includes credit card debt, medical costs, and payday loans. 

Loans backed by collateral, such as vehicle loans and mortgages, cannot be negotiated by the firm. 

Federal student loans are not eligible, although most private student loans are.

More information on the debts that can be settled via debt settlement is provided below.

Personal Loans and Payday Loans

Payday loans and other unsecured personal loans may be negotiated and paid off via debt settlement.

Credit Card Debt

One of the most prevalent types of unsecured debt is credit card debt. 

Accredited Debt Relief will help you negotiate your current credit card balances and any fees you have incurred and then pay it all off for less than you owe.

Past-Due Medical Bills

Debt settlement can also be used to settle medical bills for less than the full amount due. 

This is true regardless of whether you owe money to a hospital, a doctor, or any medical care provider.

Get Started With Accredited Debt Relief

Consider speaking with a non-profit credit counseling service about your financial status before starting your application. 

Since this is such a significant decision, it is important to get expert advice from someone who does not have a professional gain in the result of your decision.

It features a simple three-step onboarding procedure:

  1. No-Obligation Consultation: Discuss your financial position and debts with an ADR consultant to see whether you qualify for the Accredited debt relief services.
  2. Determine Which Debts to Enroll: Your ADR representative can help select which debts you should enroll in ADR for.
  3. Create Your Dedicated Account and Configure Your Deposit: Set up a private savings account under your control with ADR. This is your Dedicated Account, where you will make your monthly program payments. Set a payment amount you can afford each month based on the size of your enrolled debt, your financial objectives, and your monthly budget.

After enrolling in Accredited Debt Relief’s program, you’ll sign up for all of your high-balance credit cards, which are generally anything with a debt of more than $500.

It suggests keeping one low-balance card in case of a financial crisis, but otherwise, you won’t be able to use any of your other cards. 

This keeps you from incurring further debt and is used as part of the discussion to prove to creditors that you are serious about permanently resolving your debt situation.

Debt Relief Time

The average debt relief time to settle your entire debt depends on many factors and differs from person to person.

On average, Accredited Debt Relief might take 12-48 months to settle your entire loan amount.

However, the company makes no guarantees regarding how long it will take its customers to finish the program.


Clients who complete the Accredited Debt Relief program pay around 55% of their total enrolled debt (exclusive of the fees paid to the company). So you get to save up to 45% of the total debt.

Disadvantages Of Debt Relief

Let’s study the disadvantages of opting for Debt relief or debt settlement.

  • If you get more than $600 of debt settled, then it will be considered an income, and you will have to pay tax on it.
  • Once your debt is settled, you will be asked to pay a heft fee of 15-25% of the total settled debt amount.
  • Your credit score would drastically plummet because you will not be able to make any installments or payments. Making it hard for you to get a loan for anything in the future.

Is Accredited Debt Relief Legit?

Indeed debt relief companies bring in a lot of respite to people who are knee-deep in debt, but there are a lot of scam companies that you must be aware of.

To check the company for a scam, you can go to Consumer Financial Protection Bureau (CFPB) database and check for complaints.

Fortunately, Accredited Debt Relief is one of the best legit companies having a rating of 4.8 on Trustpilot, among others, making it a safe and reliable option.

NPC Accredited Debt Relief Ratings

Customer Service4.8/5
Debt Settlement help4.8/5
Ease of use4.8/5

Customer Service

Customer Service
Accredited Debt Relief Customer Service

Accredited Debt Relief is a company that specializes in re-navigating the debt settlement procedure. 

Its counselors can assist you in understanding the regulations that govern debt settlement while preserving your rights.

It is available seven days a week from 7:00 a.m. to 7:00 p.m. PT. 

Call 1-800-497-1965 to talk with a qualified debt consultant for a free consultation. Call 1-800-495-4069 if you have any additional questions or concerns.

Customer Rating & Reviews

Customer Reviews of Accredited Debt Relief
Customer Rating

Upon reviewing several third-party sources, we found that customers are usually satisfied with Accredited Debt Relief‘s customer service. 

Several positive reviews specifically mentioned customer service agents by name, complimenting the individual staff and the company for their assistance and great experience. 

Many customers also said they could handle their debt concerns effectively.

Accredited Debt Relief currently has an A+ Better Business Bureau (BBB) rating, indicating excellent customer service. 

They also have relatively few complaints, mostly about people receiving unwanted calls from the company.

Accredited debt relief has an excellent rating of 4.8 out of 3998 customer reviews.

Here are what accredited debt relief customers are saying!

What Differentiates It From Others?

Certain points make accredited debt different from other services. 

  • You will get a money-back guarantee. 
  • The company website will provide you with all kinds of information for debt settlement.
  • There is no upfront fee that you have to pay for debt settlement. 

How We Review Debt Relief Companies

When it comes to how we review debt relief companies, our main focus is on the quality of their services. 

We look at many factors, including the rates they charge, their options, and their customer service. 

Also, we look at their staff’s qualifications and the experience they have in the debt relief industry. 

We then compare all of this information to the other companies in the industry to help you find the best possible option for your needs.

Read Our Detailed Debt Relief Review Methodology

Our Experience With The Product

The reference says: We have been using accredited for 3 years, and it has helped us get a settlement for all kinds of debt.

It has helped us get a settlement for debt in less than we had to pay.

Their settlement plans are very easy to follow and allow you to pay off your debt without disturbing your budget. 


CompanyAccredited Debt ReliefCentury Support Services
Minimum Debt Settlement Requirement$10,000$10,000
FeaturesNo upfront fees, Free consultation, etc.Live chat option, interactive calculator, etc.
Fees15% to 25% of enrolled debt18% to 25%  of enrolled debt
Relief Time12-48 months12-48 months
Savingsup to 45% including feesup to 30% including fees
BBB ratingA+Not accredited
Trustpilot Rating4.84.3

Read Century Support Services Reviews

Final Verdict

Accredited Debt Relief is one of the best choices for you if you want to settle your debt with confidence.

Also, it is among our top three rated debt relief companies. So if you have a debt of more than $10,000 and want to save up to 45%, including fees, then you can’t get a better option than this.

However, if, for some reason, you don’t find Accredited Debt Relief fitting your needs, then you can check out our second-best pick- CuraDebt.

CuraDebt requires you to have a minimum debt of only $5000 as compared to Accredited.

Rest, CuraDebt can help you save 50%, excluding fees in a time period of 24-48 months. For more details, you can check out our CuraDebt review.


What is debt relief?

Debt relief is the process of getting rid of your high-interest debt. 

This can be done through several methods, such as debt consolidation, debt settlement, or bankruptcy.

Is Accredited Debt Relief right for me?

Only you can answer that question. However, we generally recommend that people consider ADR’s services if they have more than $10,000 in unsecured debt.

What debts will I have to enroll in the program?

Accredited Debt Relief typically requires that you enroll all of your high-balance credit cards. 

You will also need to set up a Dedicated Account to make your monthly program payments.

What is the total amount of fees charged by Accredited Debt Relief?

It charges 15% to 25% of the enrolled debt amount, which is the typical industry standard.

What should be my credit score?

There is no maximum or minimum credit score requirement to get your debt settled.

However, having a good credit score improves your chance of enjoying some other benefits that the debt relief com

NPC Overall Rating

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