American Debt Relief Review 2023

Credit card companies want you to stay in debt because that is how they earn, but such high-interest rates can dig a hole in your pocket, so if you are unable to pay off your credit card debt, then this American Debt Relief Review is for you.

In this review, we have broken down everything that you should know about this company, including their fees, the amount you can save, debt relief time, etc.


CompanyAmerican Debt Relief
Minimum Debt SettlementNot disclosed
FeesNot revealed
(15-25% standard)
Savings30%, including their fees.
Debt Relief Time24 to 48 months
WebsiteGet A Quotation

Key Takeaways

  • American Debt relief offers debt settlement service in 31 states and Washington D.C.
  • Expect to save 30%, including fees in 24-48 months.
  • The company has a very impressive rating of 4.9/5 stars on Trustpilot.

What Is American Debt Relief?

What Is American Debt Relief?
What Is American Debt Relief?

American Debt Relief offers debt settlement services to its clients who are unable to pay off their debts.

To help you with your debt, American Debt negotiates with your creditors and persuades them to lower your monthly payments; meanwhile, they ask you to stop making payments to your creditors and ask you to start saving in a separate account.

Once your creditor agrees to a settlement, you pay them off whatever you have saved, and that’s it.

They charge you a performance-based fee once your debt is settled, which can be anywhere between 15-25%.

Debt settlement can help you save high-interest rates on credit cards; however, know that debt settlement can plummet your credit score.

So now let us dig deeper and see what all features, services, savings, etc., this company offers.

Features And Services

American Debt Relief features and services
American Debt Relief features and services
  • Bulk-negotiation Program: American Debt relief has major creditor networks which allow them to submit your account through a wide range of networks through their partnerships. You will receive fewer collection calls, and your creditor will be more willing to agree to the settlement because of your hardship situation if you go with this program.
  • Client Dashboard: American Debt relief offers a client dashboard using which you can monitor and track all your deposit activity, upload documents and review whatever settlement offers your creditor agrees to.
  • Free Consultation: Just like many other debt settlement companies, American Debt relief also offers a free consultation to get you started.
  • Debt Settlement: As stated earlier, American Debt relief offers a debt settlement service to help you with your debt.

Pros And Cons


  • Satisfactory online reviews
  • Client dashboard
  • No upfront fees
  • IAPDA certified


  • Available in 31 states and Washington D.C.

Read: How Financial Advisors Can Help With Your Debt?

Also Read: Trinity Debt Management Reviews


American Debt Relief does not charge any upfront fees and asks you to pay them only at the end of the program after you see the results.

They have not disclosed the exact amount they will charge to you, but to give you an idea, you can expect to pay anywhere between 15%-25%, which is the average industry standard.

Debt Relief Time

American Debt Relief claims that they can help you in getting rid of your debt within 24-48 months, depending on your situation and on the willingness of the creditor.


You can expect to save 30%, including fees, or 55% before fees of the enrolled debt amount if you choose to go with American Debt Relief.

Minimum Debt Settlement

ADR has not revealed what its minimum debt settlement requirement is. According to industry standards, you can expect it to be somewhere near $7,500-$10,000.

Types Of Debt Addressed

American Debt Relief offers the following kinds of debt:

  • Credit card debt
  • Personal loans
  • Medical bills

How To Get Started?

To get started with American Debt Relief, just follow the below steps:

1. Go to American Debt Relief’s website and click on the “Free debt assessment” option on the screen’s top-right corner.

How To Get Started with American Debt Relief

2. Now fill in the first name, last name, phone number, email address, state, and credit card debt amount.

Get Started with American Debt Relief

3. Click on “Get my assessment” and now wait for their team to call you.

Customer Support

If you have any queries or problems, then you can call American Debt Relief at 1-800-752-3612.

They are available to help you from 8 am to 8 pm from Monday through Friday and from 9 am to 3:30 pm CST on Saturdays.

NPC American Debt Relief Ratings

Customer Service4.5/5
Debt Settlement help4.6/5
Ease of use4.7/5

Also Read: What Is Fair Debt Collection Practices Act (FDCPA)?

Customer Reviews And Ratings

American Debt Relief Customer Reviews And Ratings
American Debt Relief Customer Review And Rating
American Debt Relief Customer Review And Rating

Out of 2505 reviews on Trustpilot, American Debt Relief has received a combined rating of 4.9/5 stars which is impressive. 94% of people on the platform have given American Debt Relief a five-star rating, and only 1% of people have given it a one-star rating.

Our Experience

I called American Debt Relief for a free consultation session to see if they could help me with my credit card debt.

Their agent started by asking me about my debt situation and about my expectations from them.

After I explained to him my situation, he explained how they would help me in reducing the debt amount.

Once I was sure about them and their program, I agreed to enroll in the program. It has been more than three months, and everything is going pretty smoothly.

What Differentiates It?

There is nothing essentially unique about American Debt Relief’s program; you can easily find a lot of debt relief companies offering the same help for the same services.

However, there is one thing that outshines it from the rest, and that is the high customer rating and satisfaction score that this company has.

Surely, they deliver good results. Otherwise, they wouldn’t have such a high rating.


CompanyAmerican Debt ReliefFirst Choice Debt Relief
Minimum Debt Settlement RequirementNot revealedNot revealed
Services Debt settlement programDebt settlement program
FeesNot revealed
(15-25% standard)
Not revealed
(15-25% standard)
Savings30% including fees25%-35% after fees
Relief Time24-48 months24-48 months
BBB ratingNot accreditedA+
Trustpilot Rating4.9/54.9/5

Also Read: First Choice Debt Relief Review

How We Review Debt Relief Companies?

To review debt relief companies, we consider the following points:

  • Affordability
  • Services offered
  • Minimum debt relief requirement
  • Company’s online reputation
  • Accreditations
  • Savings one can make
  • Effectiveness
  • Debt relief helps time

Final Verdict

American Debt Relief is a good company with a high customer satisfaction rating; however, it does not offer debt consolidation, credit card consolidation options, or bankruptcy help.

We recommend you check out National Debt Relief, which has been rated number one in our top ten list of debt relief companies.

National debt relief requires you to have a minimum debt of $7,500 to get started, unlike ADR, which has not yet revealed its minimum debt requirement.

As for the fees and savings, both NDR and ADR can save you 30%, including fees, within a time period of 24-48 months.

It also offers help with plenty of options, including debt consolidation, personal loan debt, veteran debt, etc.

Read Our Detailed Debt Relief Review Methodology


Is American Debt Relief legit?

Yes, American Debt Relief is legit, and ever since 2008, it has helped a lot of clients to settle over $1 billion of debt. It is also accredited by IAPDA.

Can debt settlement ruin my credit score?

Yes, debt settlement requires you to stop making monthly payments to your creditors, which plummets your credit score.

Does American Debt Relief offer a guarantee?

No, American Debt Relief or any other debt relief company, for that matter, does not offer a guarantee because they can’t force your creditor to agree to a settlement.

What will happen if I am unable to save enough funds for the program?

This is a savings-based program, and American Debt Relief will not be able to help you if you are unable to save enough funds according to your program.

Is American Debt Relief safe?

Yes, American Debt Relief is safe to use.

NPC Overall Rating

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