money gave me space to have dreams again."
money gave me space
to have dreams again."
Get Debt Relief & Take Control of Credit Cards,
Personal Loans & More
Accredited Debt Relief is a highly-rated debt relief
and consolidation company helping Americans:
- Reduce eligible monthly payments by 40%+
- Be debt-free in 24-48 months
- See what options you qualify for in minutes
who were compensated for sharing their stories.
We Offer Debt Relief and Consolidation Options
Accredited Debt Relief offers debt relief services, evaluations and solutions in all 50 states. We help people who are overwhelmed by debt, struggling with monthly debt payments, facing financial hardship or tired of paying too much in interest with no end in sight.
How It Works
Working with us can lower monthly payments and relieve the stress and pressure of unsecured debts like credit cards, personal loans, medical debt and more.
Call or fill out our online form and have a debt specialist review your financial situation and explain your options for free — with no obligation or credit impact.
We'll evaluate and match you with a debt relief option that fits your monthly budget or consolidation loan option when it's a good fit for you and your debt.
Accredited Debt Relief works on your behalf to set up personalized options that typically get clients debt-free in 24–48 months.
Best in Class Ratings From Happy Clients
4.9 - 3,000+ Reviews
4.8 - 10,000+ Reviews
4.8 - 13,000+ Reviews
4.9 - 3,000+ Reviews
Save 40% or More on Your Monthly Payments
Accredited Debt Relief clients typically reduce their eligible monthly debt payments by 40% or more and are debt free in 24 to 48 months.
For the average client with $25,000 in unsecured debt, that's $480* a month back in their pocket for essentials like groceries and gas.
I was able to save $455 a month . Having that extra money made me able to plan again and think about a future.
Marilyn B.
A Real Client with $30,529 in Debt
How Accredited Debt Relief Helps People With Financial Hardships
Trusted by 1.3 Million+ Clients — Here's What They Say
As of May 2026, we've surveyed over 10,000 Accredited Debt Relief graduates and 92% said their payments were affordable. A strong vote of confidence for a process designed to work for real budgets.
Graduates also reported a 42% improvement in financial habits — increasing from 5.7 to 8.1 out of 10.
The findings reinforce that debt relief is an affordable and life changing option for people struggling with debt. Survey respondents include graduates who completed a debt relief program.
Said Accredited Debt Relief Made Their Payments More Affordable
Average Improvement in Financial Habits After Working With Accredited Debt Relief
Would Recommend Accredited Debt Relief to a Friend Struggling With Debt
I was paying almost $800 a month towards debt. After I got into the program, it dropped to half of that. It significantly changed the affordability of my life.
My financial habits have absolutely changed. Even though the debt wasn't totally my fault, I still look back and see some things I could've avoided. But that's hindsight. Now I know better.
Do you qualify for debt relief?
Accredited Debt Relief works with people who are overwhelmed by debt, living paycheck to paycheck, frustrated with minimum payments or simply tired of paying too much in interest with no end in sight.
We help people from all walks of life get out of debt — teachers, veterans, nurses, truck drivers, retirees, single parents, small business owners and many more.
Accredited Debt Relief is best for people who:
- Have $5,000 or more in unsecured debt
- Need relief from credit cards, loan, medical debt and more
- Are struggling to keep up with minimum monthly payments
- Have a regular monthly income
- Have been turned down or don't qualify for other options
- Want a structured, personalized plan to become debt-free
- Want a free consultation before making any commitment
- Want 1:1 human support from certified specialists
- Prefer working with a highly-rated, nationally recognized debt relief company with a proven track record
One Call Can Change Everything
Taking the first step to regain control of your debt is a courageous decision. Here's what real clients say about their experience with Accredited Debt Relief.
No Longer Working Extra Jobs to Pay Off Debt
Before working with Accredited Debt Relief, I wasn't able to spend time with friends or do normal things. Now that I'm debt free, I can save money and live my life.
— Annemie, Former teacher from North Carolina
Can Afford to Buy Groceries Without Stress and Worry
Thanks to Accredited Debt Relief, we're able to get back on our feet financially. We saved over $500 a month. Having the extra money helped a lot.
— Mark and Dawne, Retired veterans from Oklahoma
What Clients Say About Accredited Debt Relief
Accredited Debt Relief has earned thousands of 5-star debt relief reviews across every major consumer review platform.
I was blown away by the compassion on the phone call. I was so nervous to make the call and embarrassed by the situation I got myself into. I was met with no judgement and we found a great solution! I instantly felt the stress lifted. Just take the plunge and get out of debt.
Katherine, TrustpilotMy Consolidation Specialist was kind and helpful beyond words. I was reluctant to make the call, but I did and was immediately made to feel I had made the right decision! I was over my head in credit card debt but thanks to Accredited Debt Relief, I'll save almost $800 a month in credit card payments.
Patricia, TrustpilotThis was the best call I ever made. My specialist made me feel at ease and was very transparent walking me through the whole process. I am 100% satisfied with the experience and can finally move forward without always worrying about my debt. I haven't felt this stress free in a very long time.
Robert, TrustpilotIndividual experiences may vary. Reviews are edited for length, accuracy, and clarity.
Frequently Asked Questions
What is Accredited Debt Relief and how does it help?Accredited Debt Relief is a debt consolidation company that has been operating for more than 15 years. The company specializes in matching individuals with personalized options — including debt relief and loan solutions — designed to reduce monthly payments and resolve unsecured debt in a defined timeframe. Accredited Debt Relief has helped more than 1.3 million clients and facilitated over $15 billion in client debt resolved.
Why is Accredited Debt Relief legitimate and trustworthy?Accredited Debt Relief is one of the most highly-rated debt relief companies in the United States. The company holds an A+ rating and accreditation with the Better Business Bureau and top rating with major review sites including:
- 4.9/5 rating on The Better Business Bureau (BBB) based on over 3,000+ customer reviews.
- 4.8/5 rating on Trustpilot (Excellent) from 10,000+ reviews
- 4.8/5 rating on Google from 13,000+ reviews
- 4.9/5 rating on ConsumerAffairs from 3,000+ reviews
Accredited Debt Relief is also an accredited member of the Association for Consumer Debt Relief (ACDR), which holds members to established ethical standards in the industry.
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.
How much does Accredited Debt Relief cost?Accredited Debt Relief offers a free, no-obligation initial phone consultation. There is no cost to explore your options or speak with a debt consolidation specialist.
Fees are associated with enrollment in a debt relief program or accepting a consolidation loan option. Exact fees vary by state and the type of debt relief or consolidation option you choose. Debt relief fees are calculated as a percentage of your enrolled balance. Most importantly, Accredited Debt Relief's fees are success-based — which means no upfront fees, we earn them when we achieve a successful result for your debt.
How long does it take to become debt-free with Accredited Debt Relief?Clients enrolled in an Accredited Debt Relief program work toward becoming debt-free in as little as 24 to 48 months, depending on their total enrolled debt and program structure.
Does Accredited Debt Relief offer loans?Yes. In addition to debt consolidation programs, Accredited Debt Relief reviews loan options as part of the personalized matching process. Whether a loan or consolidation program is the right fit depends on the individual's financial situation.
What happens during the free consultation?During the free consultation — available by phone or online — an IAPDA-certified debt specialist reviews your financial situation, including your total debt, income and monthly obligations. They will explain the option best suited to your circumstances. There is no obligation to enroll and no fee for the consultation.
How does Accredited Debt Relief compare to other repayment options?Accredited Debt Relief matches people with debt consolidation options like debt relief and loans and can help people with any amount of unsecured debt. Here's how the most common approaches compare.
Accredited Debt Relief vs. Balance Transfer Credit Cards
Accredited Debt Relief evaluates people in debt for two debt consolidation options, debt relief programs and consolidation loans. These options work differently from each other and from balance transfer credit cards.
Consolidation loans and balance transfer cards both require qualifying based on credit score and debt-to-income ratio, and the terms aren't always worth pursuing. Debt relief programs have no credit score requirements, making them accessible to people already facing financial hardship and can lower monthly payments by 40% or more. With consolidation loans and balance transfer cards, your savings depend entirely on the rate and terms you qualify for.
Accredited Debt Relief vs. Making Minimum Payments
Minimum payments are the slowest and most expensive way to repay debt. For someone with $25,000 in debt, making minimum payments alone could take 30 years or more and cost tens of thousands in interest. Debt relief restructures your debt and gets most clients debt-free in 24 to 48 months.
Accredited Debt Relief vs. Bankruptcy
Bankruptcy is a legal process that can have serious long-term consequences for credit and employment and should only be considered as a last resort. Debt relief options offer a faster, more accessible path to financial recovery without the ramifications of bankruptcy.
Accredited Debt Relief vs. Budgeting Strategies
Budgeting methods like the debt snowball or debt avalanche help organize and prioritize repayment but don't reduce what you pay in interest or lower your monthly payments. Debt relief restructures your debt, typically reduces monthly payments and is a faster path to becoming debt-free for people who need more than a budgeting strategy alone.
Does Accredited Debt Relief have industry qualifications?Yes. Accredited Debt Relief holds an A+ accreditation with the Better Business Bureau and is an accredited member of the Association for Consumer Debt Relief (ACDR), formerly known as the AFCC (American Fair Credit Council). Also, Accredited Debt Relief's debt consolidation specialists are all trained and certified by the International Association of Professional Debt Arbitrators (IAPDA.)
Award-Winning Customer Service
Year after year, respected consumer organizations and businesses have recognized Accredited Debt Relief for its core strengths: customer service excellence, value and overall process.
Accredited Debt Relief is recognized for:
- The highest customer service ratings in the industry.
- Debt specialists with empathy and client-focused training.
- 24/7 customer support through mobile app and dashboard.
- Free financial wellness tools and resources.
Winner of the 2025 Excellence in Customer Service Award
Business Intelligence Group
Winner of Customer Service Department of the Year Award
American Business Awards
Winner of the 2025 Financial Wellness Champion Award
Banking Tech Awards USA
Winner of Customer Service, Overall Process and Best Value Awards
ConsumerAffairs
We've helped over 1.3 million clients with debt. Are you next?
Financial Wellness Resources
Most people in debt share a common goal: to pay it off quickly and save as much money as possible. No one wants to spend more than they have to. Fortunately, there are many different ways to get out of debt faster and for less money. Consider six of the cheapest ways to get out of debt and find the solution that is right for you.
Debt consolidation loans are a common method of refinancing that involves paying off high-interest debt with a new lower-interest loan.
Have debt? You’re not alone. 8 out of 10 Americans reported having some debt in 2020. Debt isn’t inherently bad, in fact, it can be a necessary tool to get an education. It can also help you build your credit and can be useful when you want to finance large purchases. However, the type and amount of your debt make a big difference in assessing your financial health.
Despite significant economic improvement in 2021, consumer debt in the U.S. has once again hit an all time high. By the first quarter of 2022 it climbed to $15.83 trillion – more than double what it was in 2003 and 20.9% higher than the total pre-pandemic.