Florida Debt Relief Programs

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If you’re having trouble keeping abreast of all your bills – credit card bills, payday loans, medical bills, etc. – you may be seeking some Florida credit debt relief. But what is the best solution for your needs? There are several types of Florida credit card debt relief programs such as consolidation, settlement and debt management.

Debt Consolidation

With debt consolidation, a debt relief company negotiates on your behalf with your creditors to provide you with reduced interest rates, lower monthly payments, and/or reduced or waived late fees. Using a Florida debt consolidation program you may be able to consolidate all of your unsecured debt into one single payment each month.

Debt Settlement

With a Florida debt settlement program, a settlement company negotiates to reduce your outstanding balance. A settlement is one way of getting credit card debt relief while avoiding lawsuits, wage garnishment, late payment fees, and over-limit charges.

Debt Management

Debt management involves a credit counseling agency analyzing your financial situation and negotiating with your creditors. Instead of paying your creditors, you send in your monthly payment to the credit counselor who then distributes the payment amongst all your creditors.


If none of the other Florida debt relief services or programs has managed to help you get out of your debt, you can file Chapter 7 and Chapter 13 bankruptcy. Bankruptcy helps you get relief from debt through court intervention. Because bankruptcy ruins your credit history and makes it difficult to qualify for loans and credit, this should be your last resort, however.

At Accredited Debt Relief we will help you evaluate all the debt relief options and information (including how the Florida debt relief act might affect you), understand their pros and cons, and select the best one most suitable for your financial situation. Every case is different because we’re dealing with all sorts of factors, so we will take a holistic approach to your situation and find the best solution for your needs.

Call Accredited Debt Relief

I wanted to take a moment to thank you for everything you have done for me. Over the past week I have had several opportunities to interact with you as we worked through what was for me a very difficult and stressful decision. It might sound simple, but in my experience it is exceptional: You, Andrew, focus on solving problems. You were able to quickly grasp the issue and proceeded to reach a resolution efficiently, while allowing me to maintain my dignity. I have found you to be professional, knowledgeable, upbeat, gracious, patient, and absolutely committed to achieving the desired result and satisfying me, the customer.
Elizabeth C.
Ted has been very helpful and understanding whenever I call him. When I’m in a panic over something he always calms me down and reassures me. He did not make me feel embarrassed or shameful over my debt situation. He is truly a great person!
I am really glad that I did make that call because if I hadn’t I would be worried so much about the bills and not being able to pay them, along with my health. You explained everything to me and after I talked things over with my husband I realized that this was my best option. I do appreciate your kindness and professionalism. You didn’t make me feel ashamed of needing help, you talked and listened and that made quite an impression!
Every time I have called Tony if he didn’t pick up the phone immediately, he without fail returned all my calls promptly. I feel as if Tony and I have become friends and I couldn’t be any more pleased with the service he has provided me. If the rest of the service I receive from ADR is as helpful and professional as that provided by Tony then I am going to be one grateful and happy camper. I would like to thank everyone involved to this point with helping me through a tuff situation, especially Tony.
I initially contacted Brad at Accredited Debt Relief in regard to a financial hardship I sustained as a result of losing my home in the 2007 CA. Wildfires. I found Brad to be a knowledgeable and experienced credit consular that was able to assist me with my financial problems. He was able to adapt his schedule to my needs and gave me the feeling that he cared about my situation and would do anything in his power to help.
Barry S.
Hey Andrew! Thanks again for all of your help! All of you have been very helpful & professional. I can’t say enough about how pleased I have been with your services. Thanks again!! Israel