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PROS: It is one of the largest services; it caters to clients in all but one state of the USA.
CONS: Fees are quite high and average reduction rates do not beat industry averages.


The debt reduction rates this company has managed to achieve are quite average within the industry – so are the fees that they charge their clients. This being said, they offer their clients a wide range of services that can improve personal finances. Aside from debt settlement, Accredited Debt Relief also provides debt management services and advice, as well as debt consolidation. They’re a perfect company to work with if you’re looking for a more comprehensive service to work with.

They have a multi-service approach to helping you escape high-interest debt. Often, your debt may be too large to alleviate through a single method. Instead of approaching various companies for different services, Accredited Debt Relief is the perfect one-stop-shop for debt relief.

In terms of customer satisfaction, the company has a great track record with customers – they have high ratings on various consumer watchdog sites. If you’re looking for a reliable service that offers more than just settlement, Accredited Debt Relief is one of your best options in the industry.


This company charges fees that are in line with the industry average for debt relief. Most of their settlements require you to pay around 25% of the total outstanding debt in fees. You have to have at least $1000 in unsecured debt to use their program – this is a relatively small figure given that many companies require up to $10,000 in unsecured debt.

Once you set up an account with Accredited Debt Relief they’ll have an account you will deposit money into on a monthly basis. This account will be used to pay off the debt settlement if an agreement is made.

Unfortunately, debt settlements are always a lengthy process. Any company that tells you otherwise is lying. Accredited Debt Relief claims that the majority of their relief services take between two and four years. This is due to a number of factors. Firstly, negotiations take a long time, lenders don’t want to immediately settle debt as they want to make sure you can’t pay it before they offer a settlement. Secondly, you have to save up enough money to pay off the debt otherwise you won’t be able to make a legitimate offer to your creditor.

Eligibility and Process

In order to use this service, you must have a minimum outstanding debt of $7,500 – but this may vary depending on type of debt and location.

Unlike most companies, Accredited Debt Relief works with clients across 49 different states. Head to their website to see a full list of the areas that are serviced. This is one of the most accessible debt settlement companies currently on the market.

Customer Satisfaction and Experience

The website has a lot of information on what the debt settlement process is. This being said, they don’t have many functional tools to help you better manage your debt situation. Regardless, this probably isn’t what you’re looking for in a settlement company. Accredited Debt Relief has gone great lengths to provide a comprehensive debt relief service that includes settlement, consolidation, and debt management. They have a great reputation on various consumer watchdog sites.

Company Information and Certification

As the name of the company suggests, Accredited Debt Relief is fully accredited by a number of debt settlement organizations. At present, they’re accredited by both the International Association of Professional Debt Arbitrators (IPADA) and the American Fair Credit Counsel (AFCC). Both of these organizations ensure their members uphold ethical requirements and best practice standards. The IPADA also provides education and training programs to their member companies. Accredited Debt Relief has shown considerable effort in adhering to the requirements of these organizations.


Accredited Debt Relief is one of the most reliable names in the settlement industry. They’re fully accredited by multiple organizations which ensure they put consumer wellbeing ahead of commercial interests. In addition, they operate in 49 states making them the most widely accessible debt settlement company on the market. They also offer debt consolidation and management services – a rare occurrence in the settlement industry. The only downside to this company is that they have average settlement reductions and charge quite high fees.