Accredited Debt Relief Review

Debt relief at a reasonable rate for those experiencing financial hardships

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Accredited Debt Relief

Accredited Debt Relief

overall rating

Our Take 

Accredited Debt Relief is a reputable debt relief company that helps people experiencing financial hardships negotiate settlements at a reasonable rate. With customer service available by phone seven days a week and industry-average fees, it’s a good choice. However, if you have less than $10,000 of unsecured debt or prefer a live chat option, you should consider a different company.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Extensive network of partners that it’s able to refer potential clients

  • Many reviewers noted its agents provided them with a pleasant experience

  • We didn’t find any recent state or federal lawsuits against the company

  • Locations where the program isn’t available aren’t clearly defined on its website

  • Need at least $10,000 in qualifying debt to enroll

  • Live chat isn’t available

Key Takeaways
  • Accredited Debt Relief has worked with over $3.5 billion in enrolled debt since 2011.
  • You need to be in the midst of a financial crisis (e.g., job loss, divorce) to enroll in the company’s debt settlement program.
  • You’ll pay industry-average fees of 15% to 25% of total enrolled debt.
  • You can contact the company by phone seven days a week. 
  • Year Incorporated 2011
  • Types of Debt Relief Unsecured consumer debt (e.g., credit cards, medical bills, payday loans)
  • Fees 15% to 25% of total enrolled debt
  • Average Repayment Period 12 to 48 months
  • Accreditations AFCC and IAPDA
  • Minimum Debt $10,000
  • Official Website


Accredited Debt Relief helps people negotiate settlements on unsecured consumer debt, like credit cards and payday loans. The company has worked with over 140,000 clients since 2011. Its fees are reasonable compared to other companies in the industry and even if Accredited Debt Relief isn’t able to help you resolve your debt issues, it can refer you to someone who can via its large referral network. 

Keep in mind that there are some dangers to using a debt settlement company. For instance, there’s no guarantee the debt relief company will be able to negotiate a settlement successfully, and debt settlement can have a negative effect on your credit score for up to seven years. As such, you should look for this type of debt relief program only after pursuing other options like seeking help from a credit counselor or signing up for a debt management plan. With these options, you’ll pay the full principal balance but might be able to get a reduced interest rate.

Debt settlement can negatively impact your credit and you may also have to pay income taxes on the amount of debt that’s forgiven. 

Read on to learn more about the debt settlement program offered by Accredited Debt Relief.

Company Overview

Accredited Debt Relief is a debt settlement company that was founded in 2004 as Beyond Finance. It started operating under its trade name, Accredited Debt Relief, in 2010 and was incorporated in 2011. The company offers debt relief services as both Accredited Debt Relief and Beyond Finance. Its corporate offices are in Houston and San Diego. 

The company is associated with both the American Fair Credit Council (AFCC) and the Independent Association of Professional Debt Arbitrators (IAPDA), two of the largest professional associations in the industry. 

Individuals located throughout most of the United States can work with Accredited Debt Relief. While the company hasn’t published specific information about the states where its program isn’t available, it has an extensive network of service providers to which they can refer people if they're unable to provide the support they need. For example, you could be matched with a non-profit credit counselor, a law firm, or even another debt relief provider. This is a value-added service the competition doesn’t always offer.

Our review of Accredited Debt Relief did not uncover any recent government enforcement actions. 

Debt Relief Options

To work with Accredited Debt Relief, you need to have at least $10,000 in qualifying unsecured debt. This includes debt such as credit cards, medical bills, and payday loans. The company isn’t able to negotiate loans secured by collateral such as car loans and mortgages. Additionally, federal student loans don’t qualify, but you can get assistance with most private student loans.

In addition to the amount and type of debt you have, you also need to have a financial hardship and more debt than you can realistically repay in the next two to four years. Financial hardships could include situations like a divorce, the death of a family member, or a medical situation. Your debt will also likely need to be at least a couple of months delinquent to qualify. 


Although the fees you’ll pay will depend on your situation (e.g., the amount and type of debt, where you live), you can expect to pay a service fee of 15% to 25% of the total debt you enroll in the program. You won’t pay anything to Accredited Debt Relief upfront. Plus, you’ll only pay the service fee once the company successfully negotiates a debt on your behalf. The fees and billing practices employed by Accredited Debt Relief are standard for the industry. 

Beware of any debt settlement company that charges an upfront fee. This practice is not allowed by law, and companies who do this should be avoided.

Although the exact amount of time it will take you to complete the program will depend on your situation, Accredited Debt Relief’s program typically lasts from 12 to 48 months. On average, clients who complete Accredited Debt Relief’s program pay about 55% of their total enrolled debt (exclusive of the fees paid to the company). The company doesn’t provide any guarantees about how long it will take its clients to complete the program or potential savings.

Customer Service: Available Seven Days a Week

You can contact Accredited Debt Relief seven days a week from 7:00 a.m. to 7:00 p.m. PT. For a free consultation, you can call 1-800-497-1965 to speak with a certified debt specialist. For all other questions or issues, call 1-800-495-4069.

In addition to phone support, you can contact the customer service team by email at The company also has an online form you can fill out to request a free quote, and someone will contact you to discuss your situation. 

The main drawback to Accredited Debt Relief’s customer service options is there’s no live chat.

Customer Satisfaction: Agents Provide a Pleasant Experience

A review of various third-party sources revealed that people are generally satisfied with the customer service provided by Accredited Debt Relief. Multiple positive reviews called customer service agents by name, praising individual employees and the company for the advice and pleasant experience. Many people also noted that they were able to get their debt issues resolved to their satisfaction.

Many of the negative reviews relate to individuals getting unwanted calls from the company. In response to many of these complaints, the company indicated that the individual was added to its Do-Not-Call list. The company also noted that you give the company permission to contact you when you submit a request for a quote. We reviewed the company’s website, and this disclaimer is clear.

Some of the negative reviews noted confusion regarding where you need to live to enroll in Accredited Debt Relief’s program. 

Account Management

Once you’ve enrolled in Accredited Debt Relief’s program, you’ll be able to manage your account and track your progress by logging into your client dashboard. If you have questions, you can contact the company by phone seven days a week by calling 1-800-495-4069. You can also send an email to, and someone will get in touch with you.

If you’re interested in working with Accredited Debt Relief, you can easily get a free quote by submitting a simple form online. If the company isn’t able to help you for whatever reason (e.g., you’re located in a state where its services aren’t available, you have less than $10,000 in unsecured debt), it might be able to refer you to a company that can help you through its extensive network of debt relief, credit counseling, and legal providers.

How Accredited Debt Relief Compares to Other Debt Relief Companies

One of the most similar competitors to Accredited Debt Relief is National Debt Relief. These companies both have operations dating back to 2011 and 2009, respectively, and both focus primarily on helping negotiate unsecured debt for consumers. Both companies also charge an industry average fee of 15% to 25% of the total enrolled debt.

Consider these primary differences between Accredited Debt Relief and National Debt Relief:

  • National Debt Relief can also help negotiate some types of business debt. Accredited Debt Relief doesn’t refer to business debt on its website.
  • Accredited Debt Relief requires at least $10,000 in qualifying debt to enroll in its program whereas you can have as little as $7,500 in qualifying debt to enroll with National Debt Relief.
  • Accredited Debt Relief offers phone support every day of the week.
  • You can’t reach anyone from National Debt Relief by phone on Sundays.

The decision to go with Accredited Debt Relief or National Debt Relief is largely a matter of preference. Even so, National Debt Relief is a better option for people with only $7,500 in qualifying debt who need relief for business debt and don’t mind not getting support on Sunday. In contrast, Accredited Debt Relief is a better option if you want to get support every day of the week and have at least $10,000 in qualifying debt.

  Accredited Debt Relief National Debt Relief
Year Founded 2011 2009
Fees  15% to 25% of enrolled debt 15% to 25% of enrolled debt
Types of Debt Relief  Unsecured consumer debt (e.g., credit cards, medical bills, payday loans) Unsecured consumer debt, some private student loans, some business debt
Minimum Debt  $10,000 $7,500
Phone Support Availability  7 days a week 6 days a week (no support on Sunday)
Final Verdict

Accredited Debt Relief is a well-known debt settlement company that has worked with over $3.5 billion in enrolled debt since 2011. It focuses on helping consumers who have over $10,000 in qualifying debt negotiate settlements on their unsecured loans, such as credit cards and payday loans. Once a settlement has been successfully negotiated, its clients pay an industry-average fee of 15% to 25% of the original amount of debt enrolled in the program.

Our review didn’t uncover any recent legal actions against Accredited Debt Relief at the state or federal level. Plus, most customers seemed to be satisfied with the level of service the company provides, with many positive reviewers noting a pleasurable experience. Overall, Accredited Debt Relief is a solid option if you’ve decided to work with a debt settlement company.


All of our reviews of debt relief companies are based on extensive research and analysis of each company based on offerings, customer service, pricing, years in business, accreditation, and more. To rate Accredited Debt Relief and other providers, we developed a debt relief review methodology that compares the debt relief options offered, additional features, fees, success rates, and reported customer experiences to help us provide insights into things like customer service and the strength of each company’s offerings.

You can read our full methodology for a complete description of how we reviewed each company.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Federal Trade Commission. "Debt Relief Services & the Telemarketing Sales Rule: A Guide for Business." Accessed April 16, 2021.