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Accredited Debt Relief Review

In a nutshell: Accredited Debt Relief, a division of Beyond Finance (founded 2011), offers personalized debt consolidation and settlement services for U.S. clients with at least $10,000 in unsecured debt. With an A+ BBB rating, multiple professional accreditations, and 700,000+ clients served, it delivers a structured, empathetic approach. It is ideal for those seeking significant savings and expert guidance.

Accredited Debt Relief Review

Overview

Accredited Debt Relief operates under Beyond Finance and is a provider of debt relief and debt settlement services in the U.S. It has helped over 700,000 clients reduce or settle their unsecured debts. The company is BBB-accredited with an A+ rating and is a member of the American Fair Credit Council (AFCC), the International Association of Professional Debt Arbitrators (IAPDA), and the Association for Consumer Debt Relief (ACDR). The brand distinguishes itself through compassionate customer service, accredited experts, and a hybrid model that allows clients to access either debt settlement or partner-based consolidation options.

Pros

BBB-accredited with an A+ rating
700,000+ clients helped since 2011
Free consultation & personalized plans
No upfront fees charged for settlement services

Cons

Potentially lengthy process (up to 4yrs)
Risk to credit score & legal exposure
Fees are only disclosed during consultation

Application Process

Free initial consultation: Clients provide financial details in an obligation-free call or form.
Eligibility: Must have $10,000+ in unsecured debt.
Plan setup: Clients either enroll in a settlement program or receive partner-based consolidation options.
Escrow deposit: For settlement plans, clients begin saving in an FDIC-insured escrow account.
Negotiation & settlement: Accredited negotiates with creditors and pays settlements from the escrow account.
Completion: The process generally takes between 24–48 months.

Debt Services

Debt Settlement: The primary service, where Accredited negotiates to reduce the overall debt amount.
Debt Consolidation Loans: Available through partner lenders, consolidating multiple debts into one manageable payment.

Types Of Debt Covered

Credit card debt
Personal loans
Collection accounts
Medical bills
Private student loans

Note: Does not cover mortgages, auto loans, or federal student loans.

Customer Support

Customer support is available via phone and email, with advisors who guide clients through the entire process. Accredited receives high praise on Trustpilot (4.8/5 stars) and holds numerous Buyer’s Choice Awards on ConsumerAffairs. Agents are trained to provide empathetic and tailored guidance.

AI was used in the creation of this content, along with human validation and proofreading.

Pros

BBB-accredited with an A+ rating
700,000+ clients helped since 2011
Free consultation & personalized plans
No upfront fees charged for settlement services

Cons

Potentially lengthy process (up to 4yrs)
Risk to credit score & legal exposure
Fees are only disclosed during consultation

Our Top 3 Picks

Freedom

National DR

Accredited

Application process

8.0

Application is straightforward and can be done entirely online, documentation requests are reasonable

Customer support

9.0

Phone and email support Monday through Friday from 8 AM to 11 PM ET, and Saturday and Sunday from 9 AM to 6 PM ET

Eligibility criteria

9.0

Accepts a range of unsecured debt, requires proof of financial hardship, but flexible, operates in most states

Customer rewards

7.0

No rewards

Financial tools and resources

9.0

No-risk guarantee, free consultations, personalized support, negotiate with creditors to reduce debt amount, consolidation loans

What else should I know about debt consolidation loans?

How can I choose the best debt consolidation loan for my needs?

To find the best debt consolidation loan, you'll want to compare interest rates, fees, and repayment terms across multiple reputable lenders. Use online comparison tools and customer reviews to evaluate your options and choose a loan that matches your credit profile and financial goals. This helps you avoid hidden costs and secure the most affordable, reliable solution for your debt relief needs.

What is the best way to consolidate credit card debt?

A fixed-rate personal loan is usually best. Compare interest rates, fees, and repayment terms from multiple lenders to find the best deal.

Can I get debt forgiveness through consolidation?

Consolidation itself doesn’t erase debt, but it can simplify repayment. Forgiveness may apply separately for eligible public service or hardship cases.

Are payday loans eligible for consolidation?

Yes, many lenders allow you to consolidate payday loans into a single loan, potentially reducing the sky-high interest rates.

Is there debt relief for teachers or medical professionals?

Yes, many professionals in education and healthcare qualify for forgiveness programs, grants, or low-interest consolidation loans.

What is the difference between a debt consolidation loan and a management plan?

A loan is a new credit product used to repay old debts. A debt management plan is a structured agreement with creditors, often via a nonprofit, that helps simplify repayment without taking out new credit.

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