Accredited Debt Relief

The Good

• Multiple debt relief options – loans, consolidation, debt negotiation, and debt management
• High ratio of positive customer reviews on ease of process and customer service reps
• AFCC and IAPDA accreditations

The vast majority of user reviews reflect a high level of satisfaction with Accredited Debt Relief’s services, largely in the areas of money saved and professionalism of its customer service representatives. The company offers a variety of options for those over their heads in debt – a reduced payoff settlement, consolidation services, loans, and budgeting resources.

It’s important to keep in mind that while ADR can help some customers get a loan to pay off their debts, you will still need to meet certain credit qualifications. If you don’t, the company will then help you devise another plan to pay off what you owe.

The Bad

• Not all services available in all states
• Must open separate bank account and authorize automatic withdrawals

Accredited Debt Relief only refers customers for loans in these states: AK, AL, AZ, CA, DC, FL, IN, MD, MI, MO, NC, NE, NM, NY, OH, OK, SD, VA. This means that if you live in one of their other service areas, you will have to choose another option such as negotiation/settlement.

In the case of debt settlement and payoff, you open a bank account expressly for this purpose and allow ADR to withdraw funds, which they then disburse to your creditors. This makes some people uncomfortable, however it’s important to keep in mind that ADR is accredited by both the American Fair Credit Council and the International Association of Professional Debt Arbitrators. The company has a high trust rating, which should set your mind at ease about the use of your funds.

The Summary

Accredited Debt Relief reviews are overwhelmingly positive. Its fee is lower, on average, than many other debt relief companies, making ADR an attractive choice. In addition, the minimum debt amount required to work with this debt reduction company is much lower than the typical amount of about $7500 – $10,000, with a repayment period between two and four years.

Accredited Debt Relief is an appropriate option if you’re having trouble paying your bills, yet would rather hire someone else to deal with your creditors. You will pay the company’s fee for their intervention, however it’s highly likely you’ll save over your original owed amount even when accounting for the fee.