Accredited Debt Relief Review

Estimated read time: 6 minutes

A Call to Action

“A hundred wagon loads of thoughts will not pay a single ounce of debt.”

This historic proverb holds much wisdom; If you're like many other Americans, you spend much of your waking hours shouldering the weight of financial stress that consumes your thoughts. The feeling of helplessness is both debilitating and isolating, but the truth is you are not alone, in fact 77% of Americans report feeling anxiety about their financial situation. That's millions of people struggling everyday just like you “thinking” the same things you are but never getting anywhere and don't know what to do about it. If this sounds familiar then it may be time to take “action” and consult a Certified Debt Specialist at Accredited Debt Relief.

Why You May Need Accredited Debt Relief Services

Accredited Debt Relief has over 10 years experience in debt resolution and working with financial service industries. The team at Accredited Debt Relief will work with debt collectors and creditors on your behalf to settle your debts for less than the money you owe. Debt Relief Specialists can help you create a plan that is customized to your financial needs that will resolve your debts faster and more affordably.

why you may need accredited debt relief

What People Love About It

Customers say they love how the team at Accredited Debt Relief is focused on making them feel comfortable and confident throughout the debt resolution process. Customers also report that the team at Accredited Debt Relief is always friendly and knowledgeable, answering questions and providing a great customer experience.

Biggest Consumer Complaints

Customers reported that they did not feel comfortable with how long the process could take for negotiations to settle accounts with creditors, and that there was “no guarantee” that some creditors would settle at all.

how accredited debt relief works

How Does it Work?

A Certified Debt Specialist will review your financial situation and create a customized debt resolution program for you based on your total enrolled debt, monthly budget and overall financial goals.

Once you agree to and enroll in your customized program, the team at Accredited Debt Relief will help you open an FDIC-insured Dedicated Account (also known as an “escrow” or “settlement” account) that you fully own. You’ll make monthly deposits into this account, which will later be used to pay your resolved debts.

Accredited Debt Relief will begin working with your creditors to reach more favorable terms. While this is happening, they recommend that you stop using any open credit cards, lines of credit or personal loans included in your debt resolution program.

Once they reach a new agreement with your creditors, they will contact you for approval. Payments from your Dedicated Account will be used to pay the newly-agreed upon resolution. Once the new terms are paid off, your debt with the creditor is considered resolved. This process will repeat until all of your enrolled debts are resolved.

Frequently Asked Questions

What is a debt resolution program?

Debt resolution (also known as debt settlement, negotiated debt settlement or debt negotiation) is a process where a company works on behalf of their client to secure more favorable terms with creditors or debt collectors.

The debt resolution company has two goals when they’re securing new terms and agreements with your creditors:

  1. Reduce the overall amount you owe
  2. Resolve the debt more quickly than you would on your own

While that may seem too good to be true, the debt resolution process is pretty standard for creditors. They know that clients facing hardship may never pay the debt or decide to declare bankruptcy, so it’s in the creditor’s own interest to agree to different terms rather than getting no money at all.

How much can I expect to save when participating in the program?

While individual results do vary, the average amount of debt that clients pay on their resolved debts is 55% of their enrolled debt. This number excludes Accredited Debt Relief’s fees.

What type of debt can Accredited Debt Relief help me with?

Accredited Debt Relief only works with debts without collateral attached to them, also known as unsecured debts. Credit card debt, medical bills and payday loans are all examples of unsecured debt. Debts with collateral attached, like mortgages and car loans, are not eligible for our debt resolution program. They are also unable to assist with federal student loans.

When will I have my debts paid off?

While programs can vary depending on your unique financial situation, the average debt resolution program lasts two to four years. Your program’s length will depend on a few factors, including how much money you deposit in your account every month. The more money you can add to your Dedicated Account, the quicker your debts can be resolved.

Making monthly payments to your Dedicated Account is an important part of Accredited Debt Relief’s resolution program; missing monthly payments can stall the process.

What is a Dedicated Account?

A Dedicated Account is generally an account that is used to save money for a larger purchase or specific goal. When participating in an Accredited Debt Relief program, the money in your Dedicated Account will be used to pay off your resolved debts. Once you’re enrolled, their team will help you open an FDIC-insured Dedicated Account where your funds will be deposited.

Who controls my Dedicated Account?

You do! The reason for setting up this new account, rather than putting your monthly deposits into an existing bank account, is to keep those debt resolution funds separate from your other money. If you ever withdraw from the program, the remaining funds in your Dedicated Account, minus banking, third-party and earned debt resolution fees, are yours to keep.

What happens if I miss monthly payments?

They understand that life might throw you a financial curveball, and you may need to adjust your payment schedule if the unexpected happens. That’s perfectly okay, and they’re happy to work with you to make any needed adjustments. Be sure to contact their Client Success Team at least five days before your scheduled deposit date so that they can pause any scheduled electronic withdrawals.

Final Thoughts

Accredited Debt Relief is one of the most highly rated and accredited debt relief services that we’ve reviewed. They have a-5 star rating on, an A+ Rating with the BBB, and accreditation from the American Fair Credit Council. They’ve also earned a notable list of awards, and they proudly give back to several worthy causes within their community.

Accredited Debt Relief offers a proven service to help match their clients with personalized programs to reduce their unsecured debt. Their services are available in a majority of the United States, and they partner with some of the nation’s premier debt relief companies. In your initial free consultation, they provide information on various debt relief options, including debt consolidation, debt settlement, and debt consolidation loans, and work with your unique situation to find the right plan for your needs.

Many of the testimonials from those who have used Accredited Debt Relief’s services have noted how thorough, compassionate, and helpful their consultants are. They have a proven track record of helping consumers reduce their debt quickly and often for less than they owe. Additionally, one of the most reassuring features about working with Accredited Debt Relief is their ‘money back guarantee’. It’s important to read the details on their site of what this includes, but it can offer invaluable peace of mind when choosing who to work with for your debt relief needs.

Editorial Note: This content is not provided or commissioned by the offer provider. Opinions expressed here are author’s alone, not those of the offer provider, and have not been reviewed, approved or otherwise endorsed by the offer provider. Every reasonable effort has been made to maintain accurate information. However, all offer information is presented without warranty. After you click on an offer you will be directed to the offer provider’s web site where you can review the terms and conditions for your offer.
Advertiser Disclosure: is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. This compensation may impact how and where products appear across the site (including, for example, the order in which they appear). does not provide access to all available product offerings. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
The Operator of this Website is not a Financial Advisor and does not provide debt settlement, debt consolidation, or credit counseling services. This website does not constitute an offer to settle your debt or negotiate a debt settlement. This website will submit the information you provide to third party financial services providers specializing in providing credit counseling, debt settlement, and debt consolidation services. Providing your information on this website does not guarantee that you will be eligible to consolidate or settle your debt, or that you will be offered credit counseling services. Offers and services may vary between financial services providers and based on your individual financial circumstances. For details, questions or concerns, please contact your financial services provider directly.
Credit checks, consumer reports, and other personal data may be obtained by some service providers from Experian, Equifax, Trans Union, or through alternate providers.