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Accredited Debt Relief Review

In a nutshell: Accredited Debt Relief (founded 2011) offers personalized debt consolidation 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 is a provider of debt consolidation services in the U.S. It has helped over 700,000 clients achieve financial freedom. The company is BBB-accredited with an A+ rating and is a member of 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 model that allows clients to become debt-free faster than they could by making minimum payments.

Pros

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

Cons

Fees are only disclosed during consultation
Creditor calls are a normal part of the process

Debt Services

Debt Consolidation: They have options that do not require taking on additional debt. Accredited Debt Relief will help you save 40% or more on eligible monthly payments.

Types Of Debt Covered

Credit card debt
Personal loans
Collection accounts (reported within the last 6 months)
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

Cons

Fees are only disclosed during consultation
Creditor calls are a normal part of the process

Our Top 3 Picks

Freedom

Accredited

JG Wentworth

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

FAQs: quick answers on debt consolidation

How can I choose a suitable debt consolidation loan for my needs?

Compare interest rates, APRs, fees, and repayment terms from reputable lenders to identify a debt consolidation loan that aligns with your financial situation. Use online comparison tools and verified customer reviews to help evaluate your options. Choose a loan that suits your credit profile and financial goals, and carefully review all terms and conditions to understand the fees and repayment obligations.

What are some common ways to consolidate credit card debt?

A fixed-rate personal loan may be a suitable option for some individuals, depending on their credit history and financial goals. It's important to compare interest rates, fees, and repayment terms from multiple lenders to find a loan that fits your circumstances. Results will vary based on your financial profile.

Can I get debt forgiveness through debt consolidation?

Debt consolidation does not eliminate or forgive your debt; it simply combines multiple debts into a single loan, which may help simplify repayment. Debt forgiveness is typically only available in limited cases, such as qualifying federal loan programs for public service workers or documented financial hardship. Eligibility requirements vary by program.

Are payday loans eligible for consolidation?

Some lenders offer consolidation options for payday loans, which may allow you to combine multiple payday debts into a single loan with different repayment terms. Depending on your credit profile and the lender's terms, this could result in a lower overall interest rate. Eligibility requirements vary by provider.

Is there debt relief for teachers or medical professionals?

Certain public sector workers in education or healthcare may be eligible for government-backed programs such as federal loan forgiveness, income-driven repayment plans, or grants. These programs have specific eligibility requirements based on loan type, employment history, and repayment records. Not all applicants will qualify, and results depend on individual circumstances.

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

A debt consolidation loan is a new credit product that combines multiple debts into one, usually with a single monthly payment and a fixed interest rate. A debt management plan, typically arranged through a nonprofit credit counseling agency, is a structured agreement with your creditors to repay what you owe, often with reduced fees or interest, without taking on new credit. These plans may also require you to close or suspend use of your existing credit accounts during the repayment period.

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