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About
Molly Simon
Molly Simon | IAPDA-Certified & AFCPE-Trained Consumer Debt Editor
Molly Simon is an IAPDA-Certified & AFCPE-Trained Consumer Debt Editor at Accredited Debt Relief and the Top Dollar Blog.
Her work has been featured on major media outlets including AOL, Newsweek, and MSN. Molly holds two bachelor’s degrees and certifications from the International Association of Professional Debt Arbitrators (IAPDA) and Association for Financial Counseling & Planning Education (AFCPE).
As an editor and writer for Accredited Debt Relief’s Top Dollar Blog, Molly covers:
- Personal finance and financial literacy
- Debt’s impact on individuals and communities
- The intersection of mental and financial health
With nearly a decade of experience writing about consumer financial topics, Molly offers nuanced, grounded analysis of everyday Americans’ financial challenges and opportunities. Her writing focuses on fact-based techniques to reduce the emotional and financial impacts of debt, helping readers build healthier financial futures.
When she’s not writing about money, Molly can be found biking around Chicagoland, flexing her green thumb in her vegetable garden, or with her nose stuck in a history book.
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Molly's articles on this site reflect her own research and expertise. For personalized financial advice, consult a licensed financial professional.
Most Recent
Showing 1-10 of 26 results
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Same Debt, Different Outlook: Men and Women Experience Debt Differently, Survey Finds
By Molly SimonThey have the same amount of debt. But why do they feel so differently about it? Accredited Debt Relief’s 2026 Everyday Debt Survey found that 53% of men say their financial situation is sustainable long term, compared with 39% of women. The 14-point spread is one of the widest demographic splits in the survey, which […]
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Many Americans Think Their Debt Is Temporary. The Math Says Otherwise.
By Molly SimonAmericans who live with debt rarely think of it as permanent. But ask them how long until they’re debt-free, and their situation may prove to be more enduring than they’d anticipated. In Accredited Debt Relief’s 2026 Everyday Debt Survey a poll of 2,000 U.S. adults carrying at least $10,000 in unsecured debt, 41% described their […]
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To Escape Credit Card Debt, Many Reach for More Credit
By Molly SimonPeople buried in credit card debt tend to reach for credit to get out. Accredited Debt Relief 2026 Everyday Debt Survey found that among those who sought help, 38% began with a balance transfer card, 37% turned to a debt relief program and 29% took out a debt consolidation loan. A balance transfer lowers the […]
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2 in 3 Indebted Americans Pay for Groceries with Credit Even Before the Holidays Hit
By Molly SimonWith prices on the rise, Americans in debt are leaning on credit cards to get by — and even to cover the cost of basics, like groceries. Accredited Debt Relief 2026 Everyday Debt Survey found that 66% of indebted Americans have charged a grocery run to their credit card in the past year. This finding, […]
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Americans Research Debt Endlessly, But 45% Wait a Year or More to Get Help
By Molly SimonAmericans who take action on their debt tend to follow a pattern: They research their options, cut back on spending, work extra hours and pay what they can. Yet there’s one step most of them never take, and it’s one that could make a major impact on how and if they achieve their goal: a […]
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Personal Debt Is Now a Factor in Seeking Healthcare, Data Suggests
By Molly SimonHealthcare keeps getting more expensive. And for many Americans choosing between covering their bills or getting care, the choice is clear: Skip the doctor to pay the debt. Some 26% of adults with debt have skipped or delayed care to make a debt payment, according to Accredited Debt Relief’s 2026 Debt Impact Survey of 2,000 […]
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1 in 3 Americans Go Deeper Into Debt to Keep Up — Then Hide It, Survey Finds
By Molly SimonMost people would go into debt for an emergency. But what about for a party? Accredited Debt Relief’s new survey shows that many people are willing to go into debt simply to be present for an event. Thirty-three percent of respondents would go further into debt, usually on a credit card, rather than miss an […]
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Accredited Debt Relief Named “Best for Customer Satisfaction” by CBS News MoneyWatch
By Molly SimonCHICAGO, IL — May 29, 2026 — Accredited Debt Relief has been named Best for Customer Satisfaction by CBS News MoneyWatch in its 2026 review of the best debt relief companies. The recognition highlights Accredited Debt Relief’s standout customer ratings, A+ rating with the Better Business Bureau and the widespread availability of their service. In […]
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70% of Credit Card Debt Comes From Everyday Costs — But Many People Still Blame Themselves
By Molly SimonAsk most people how they ended up with a credit card balance and you’ll hear a familiar story. It’s about willpower, discipline and choices they wish they’d made differently. It’s a story about character. But the data tells a very different tale. Key Takeaways 70% of people with credit card debt say most of their […]
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Bankrate Names Accredited Debt Relief Best for Customer Satisfaction
By Molly SimonCHICAGO, IL — April, 2026 — Accredited Debt Relief, one of the nation’s leading debt consolidation companies, has been named Best for Customer Satisfaction by Bankrate, a trusted financial services comparison platform in its annual review of top debt relief providers. Bankrate’s recognition comes on the strength of Accredited Debt Relief’s consistently exceptional customer ratings […]