Frequently Asked Debt Relief Questions

If you have unsecured debt like credit card debt, medical bills, or personal loans and are struggling to keep up with rising interest rates and minimum payments, you're likely a great fit for a debt consolidation option. We specialize in helping people who feel stuck in a cycle of debt, especially those who earn a stable income but are still living paycheck to paycheck.

Our process is designed specifically for people with unsecured debt. Typical clients have $10,000 or more total debt. The best way to be sure, is to talk to us on a free consultation call.

We match people with personalized debt consolidation options including debt relief and loans, based on their financial situation and goals. The process begins with a free consultation call, followed by a customized plan.

Step 1 — Free Consultation: Speak with a trained debt specialist at no cost and with no obligation. You can start by phone or complete a brief online form to review your financial picture.

Step 2 — Personalized Debt Review: Your consolidation specialist analyzes your total debt, monthly income, and financial goals — then explains the consolidation or relief options best suited to your situation.

Step 3 — Custom Program Enrollment: If you decide to move forward, you'll be enrolled in a program built around your specific budget and timeline.

Step 4 — Dedicated Ongoing Support: A Client Success Team manages the process on your behalf while you monitor progress through your personal client dashboard and mobile app. Most clients see their eligible monthly payments reduced by 40% or more.

Step 5 — Debt Freedom: Clients typically resolve all enrolled debt in 24 to 48 months — and leave the program with better financial habits and a clear financial path forward.

We evaluate your unique situation to find the solution that fits your goals and budget. Depending on your needs, we typically explore two main paths:

• A debt relief program can combine your various unsecured debts into one lower monthly payment. Instead of juggling multiple bills, you make a single payment through a plan that makes your debt more affordable. This approach can help you become debt-free in as little as 24 to 48 months.
• A debt consolidation loan can provide the funds needed to pay off your high-interest debts all at once. If you qualify for a favorable loan, you're left with just one monthly payment, often at a lower interest rate, which can make your debt significantly easier to manage.

Yes, Accredited Debt Relief offers a free, no-obligation debt consultation. Consultations are available by phone and are pressure-free, giving you the opportunity to ask questions and learn about your options without any obligation to move forward.

You'll speak privately with one of our Consolidation Specialists to review your debts. The conversation is entirely confidential and judgment-free. We're here to listen to your challenges and provide clear, realistic next steps so you can feel confident about your future.

This depends on which consolidation option you choose. For example, most clients in a debt relief program reduce their eligible monthly payments by 40% or more and complete their program in 24 to 48 months.

For many, these immediate monthly savings help ease day-to-day financial strain — making it easier to cover essential expenses, stay current on bills and regain a sense of control over their finances while working toward becoming debt-free. Individual results vary.

This depends on which consolidation option you choose. Most clients in a debt relief program complete their program in 24 to 48 months. The timeline depends on total debt, debt type and monthly deposit amount.

We're a highly-rated provider and started helping people with debt in 2011. In that time, we have helped more than 1 million clients and supported over $15 billion in debt resolved. We're also an A+ Accredited Business with the Better Business Bureau and maintain high ratings across ConsumerAffairs, Google and Trustpilot with tens of thousands of 5-star reviews.

Accredited Debt Relief's debt consolidation specialists are IAPDA-certified (International Association of Professional Debt Arbitrators) a non-profit organization with a mission to educate both consumers and the industry on debt relief options.

Accredited Debt Relief works with unsecured consumer debt. Eligible debt types typically include unsecured debts like:

• Credit cards
• Medical bills
• Personal loans
• Certain collection accounts
• Store credit cards

Accredited Debt Relief does not assist with:

• Mortgages or home equity loans
• Auto loans
• Student loans
• Tax debt
• Child support or alimony

There is no maximum debt limit. Eligibility is evaluated on a case-by-case basis. Typical clients have $10,000 or more in unsecured debt.

This depends on which consolidation option you choose. For example, Accredited Debt Relief's debt relief program charges success-based fees that are a percentage of your enrolled amounts, typically up to 25% though this may vary by state. We never charge upfront fees. Fees are only earned after the client approves an offer and makes at least one payment under the new terms.

This depends on which consolidation option you choose. We do not charge any fees upfront. However, every client program requires a dedicated account owned and controlled by the client and operated by an independent third-party provider. There are several fees associated with this account including a one-time $9.00 dedicated account setup fee and a $9.75 monthly account fee.

Other optional third-party services may also be available. Any associated fees are disclosed up front and are not required.

Clients receive one-on-one support that includes access to Consolidation Specialists, Client Success team members, a secure Client Dashboard, live chat, phone and email assistance and financial education resources including free financial wellness sessions with trained therapists.

Customer support is available seven days a week. Hours are:

• Monday–Friday: 8:00 a.m. – 11:00 p.m. ET
• Saturday–Sunday: 8:00 a.m. – 10:00 p.m. ET