Helping People Take On Debt With Confidence
Meet the brand ambassadors telling our debt stories, getting the word out about debt relief and helping reduce the stigma around it.
This won't affect your credit score!
Bill Cowher is a paid brand ambassador.
Meet Accredited Debt Relief's Brand Ambassadors
Debt is a sensitive subject for many people, but Accredited Debt Relief's brand ambassadors know that using their voices to raise awareness helps reduce the stigma for people in debt.
In our national campaigns, Rob Lowe and Bill Cowher are shifting the conversation, speaking openly about how people get into debt and how they can get out of it. Debt reflects your circumstances, not your character, and those circumstances are common — which is why the options for handling them should be easy to find and open to more people.
Rob Lowe
Actor, Producer, Author & EntrepreneurAward-winning actor, producer, author and entrepreneur Rob Lowe is the voice of our first national campaign, telling three stories about the everyday moments debt takes from people.
See Rob Lowe's campaign
Bill Cowher
Football Coach & AnalystA Hall of Fame coach who breaks down what to actually do about taking on your debt, the way he breaks down a game for a casual fan.
See Bill Cowher's campaign
Bobbi Rebell, CFP®, CFT™
Financial Expert & JournalistAn author, journalist and our Chief Financial Education Advisor, creating educational content that supports our clients and people in debt.
See Bobbi's libraryRob Lowe, Bill Cowher and Bobbi Rebell are paid brand ambassadors for Accredited Debt Relief. They are not clients of Accredited Debt Relief and have not used its debt relief services. Their statements reflect their own views and are not representative of client experiences or results.
Why We Partnered With Rob Lowe
As an award-winning actor, producer, author, and entrepreneur, Rob Lowe has spent his career telling people's stories, and he understands their power and what happens when someone hears their own experience reflected back at them. That is what drew him to this campaign: the chance to make families carrying debt feel less alone.
Rather than simply appearing in the spots, Lowe helped shape the creative direction, helping to choose stories that show what families in debt actually go through.
“One of the things that resonated with me about Accredited Debt Relief is their understanding that behind every financial situation is a real person.”
— Rob Lowe
Rob Lowe on Why You're Not Alone in Debt
In Accredited Debt Relief's first national campaign, directed by Academy Award-winning cinematographer and director Wally Pfister, Rob Lowe narrates three storylines inspired by authentic client experiences. The households depicted are portrayed by actors in scenarios representing situations where debt has made an ordinary necessity feel out of reach.
See Our Rob Lowe PartnershipWhy We Partnered With Bill Cowher
For more than three decades, Bill Cowher built a reputation as one of football's most respected leaders, guiding teams through adversity and helping players perform under pressure. He brings that same coaching mindset to people working through financial challenges, where preparation and having the right team on your side lead to successful outcomes.
In his campaign, he reaches out to people who have been sidelined by debt and encourages them to tackle it head on. His message: nobody reaches the goal line alone, and Accredited Debt Relief can be the team that gets you there.
“Throughout my career, I learned that success starts with preparation, discipline and having people you trust on your team.”
— Bill Cowher
Bill Cowher on Tackling Debt With a Plan
Bill Cowher's national campaign brings the preparation, discipline and teamwork of championship football to people looking for a stronger financial game plan.
See Our Bill Cowher PartnershipWhy We Partnered With Bobbi Rebell
For more than two decades, Bobbi Rebell has been dedicated to making financial literacy accessible to regular people, first as a global business news anchor and columnist at Reuters, then as a CFP® professional and a Certified Financial Therapist™ and now as the author of two books on financial adulthood. She brings that range directly to people struggling with debt, meeting them where they are and focusing not only on the math behind a financial situation but on something that matters just as much, the emotional and behavioral weight of carrying debt. She makes change accessible through education.
As our chief financial education advisor, Bobbi hosts our educational video series, writes original content and develops new frameworks that give people a clear place to start. She also helps shape our national research so the data we publish reflects what people in debt are actually up against. When she represents Accredited Debt Relief in the media, she is doing more than speaking for the company. She is advocating for everyone who has been or will be impacted by debt.
“As a CFP® professional, my focus is on the math that shapes our financial lives. As a Certified Financial Therapist™ I also consider the emotions that inform our financial well-being. Partnering with Accredited Debt Relief is an opportunity to intentionally connect how we think about our money, to the tangible solutions that can free us from financial anxiety.”
— Bobbi Rebell, CFP®, CFT™
Chief Financial Education Advisor, Accredited Debt Relief
Bobbi Rebell on Going Beyond The Math
Her work with Accredited Debt Relief pairs financial planning expertise with the psychology behind money decisions for people looking for educational resources and a clear path forward.
More from Bobbi RebellRob Lowe, Bill Cowher, and Bobbi Rebell are paid brand ambassadors for Accredited Debt Relief. Bobbi Rebell is Accredited Debt Relief's Chief Financial Education Advisor. They are not clients, and the situations depicted in their campaigns and content may be dramatizations that reflect typical client experiences.
Bringing Hope to People in Debt
Most people keep debt to themselves on purpose. Among the people in our 2026 Debt Impact Survey who hide the full extent of what they owe, 56% say they feel they should be able to fix it themselves and 48% point to shame or fear of judgment. Another 47% say they would be embarrassed telling a professional the truth about it.
So 45% wait a year or more before getting help.
Our brand ambassadors help spread a hopeful message: needing help with debt is normal, and asking for it sooner means less time spent carrying it alone.
What Pushes People Into Debt, And Keeps Them There
Groceries, gas, utility bills, school supplies, car repairs, unexpected dental work. Every household in America has some version of this list: everyday expenses and necessities that push budgets beyond their limit. In many cases, credit cards are covering the gap. The balances grow faster than your payments shrink it, and before you know it those minimums are crowding out your budget even further.
In 2026 we commissioned two independent surveys of Americans carrying unsecured debt, 2,000 people in each, and asked them to describe their own situation. This is what they reported.
70%
of people with credit card debt say the majority of their balance came from ordinary day-to-day expenses like groceries, gas and utilities, not overspending.²
66%
have used a credit card to cover groceries in the past year.¹
38%
of people with credit card debt point to a major financial emergency, such as a medical bill or an urgent home repair.²
29%
lean on credit or borrowing every month just to get through a typical month.¹
67%
feel stressed, anxious or overwhelmed because of their debt.²
85%
hide the full extent of their debt from at least one person in their life.²
¹2026 Everyday Debt Survey
²2026 Debt Impact Survey
The Accredited Debt Relief 2026 Debt Impact Survey was conducted by Drive Research among 2,000 U.S. adults carrying unsecured debt and published in June 2026. The Accredited Debt Relief 2026 Everyday Debt Survey was conducted by Atomik Research among 2,000 U.S. adults carrying at least $10,000 in unsecured debt, with fieldwork from May 11 to May 14, 2026. Both carry a margin of error of approximately plus or minus 2% at a 95% confidence level. The 70% and 38% figures are based on respondents with credit card debt (n = 1,477). All findings are self-reported.
The Moments People Get Back
Taking the first step to regain control of your debt is a courageous decision. Our campaigns show what debt takes from people. Here is what real Accredited Debt Relief clients say they got back.
Time With Friends Instead of a Second Job
“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
Enrolled Debt
$73,020
Old Payment
$2,133
New Payment
$1,152
Annemie saved $981 a month.
Watch Annemie's Story
Groceries Without the 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
Enrolled Debt
$39,828
Old Payment
$785
New Payment
$267
Mark and Dawne saved $518 a month.
Watch Their Story
Saving for a Home Instead of Just Getting By
“I get to save, I get to smile. I get to go to sleep without worrying about how things are going to be paid.”
— Sharise, Licensed clinical social worker from Pennsylvania
Enrolled Debt
$14,194
Old Payment
$746
New Payment
$260
Sharise saved $486 a month.
Watch Sharise's StoryThese are real clients compensated for sharing their experiences. Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences. Clients save on average $608 per month on enrolled debts. Individual results vary.
How Accredited Debt Relief Helps
Accredited Debt Relief offers debt relief options, 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. For most clients that means cutting eligible monthly payments by 40% or more, which put an average of $608 a month back into household budgets in 2025.
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.
Tell Us About Your Debt
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.
Get an Affordable Option
We'll evaluate and match you with a debt relief option that fits your monthly budget or a consolidation loan option when it's a good fit for you and your debt. The average client saves $608 a month on their debt payments.
Pay Off Your Debt Faster
Accredited Debt Relief works on your behalf to set up personalized options that typically get clients debt-free in 24 to 48 months. Most people see their first debt resolved in about 90 days.
Figures reflect 2025 client outcomes for engaged program participants who maintained scheduled deposits. Clients who left the program early are not represented. Results are historical and are not a guarantee of individual outcomes.
Frequently Asked Questions
Who is the brand ambassador for Accredited Debt Relief?
Accredited Debt Relief works with three brand ambassadors. Award-winning actor, producer, author, and entrepreneur Rob Lowe and Academy Award-winning cinematographer and director Wally Pfister created the company's first national campaign in August 2026. Pro Football Hall of Fame coach and NFL analyst Bill Cowher's campaign launched in September 2026. Bobbi Rebell, CFP®, CFT™, is our Chief Financial Education Advisor, where she leads financial education for clients and anyone carrying debt. All are paid spokespersons of Accredited Debt Relief and none is a client.
Is Rob Lowe paid by Accredited Debt Relief?
Yes. Rob Lowe is compensated as a paid brand ambassador. He is not a client and has not used the service. He narrates the campaign rather than endorsing it from personal experience.
Are the people in the Accredited Debt Relief commercials real clients?
The situations in the Rob Lowe campaign are dramatizations performed by actors, drawn from real client experiences. Real client stories are a separate thing, and there are many of them. You can watch and read them on this page, on our reviews page and in our client story library.
What do Accredited Debt Relief brand ambassadors do, and why does it matter now?
We partner with brand ambassadors because they get the word out in a way we can't on our own. And what each of them brings — a storyteller's instinct, a coach's clarity, a journalist's questions — makes debt relief more accessible to the people who need it.
Brand ambassadors also help build community around a shared experience. People know who our brand ambassadors are, and their familiar faces become a common denominator between us and everyone we are trying to reach. They connect people from all walks of life to the same need: finding help with their debt.
What a brand ambassador can do
- Make debt help easier to find
- Tell people's stories
- Help build community around a shared experience
- Give people the confidence to take action
- Show there's hope on the other side of debt
Who directed the Rob Lowe campaign?
Wally Pfister, who won the Academy Award for Best Cinematography for Inception. The campaign launched nationally on August 11, 2026 across connected television, digital, social and online video.
Is Accredited Debt Relief legitimate?
Accredited Debt Relief has operated since 2011, has served more than 1.3 million clients and has resolved more than $15 billion in debt. The company holds an A+ rating with the Better Business Bureau and accreditation from the Association for Consumer Debt Relief. It is a DBA of Beyond Finance, LLC.
How much can I save with Accredited Debt Relief?
The average client saves $608 a month on their debt payments, and eligible monthly payments are typically reduced by 40% or more. Savings depend on your balances, your creditors and the option you qualify for.
How long does it take to get out of debt?
Most clients are debt-free in 24 to 48 months, and most see their first debt resolved in about 90 days after making consistent deposits.
How much debt do I need to qualify?
Accredited Debt Relief clients who choose a debt relief program typically have $5,000 or more in unsecured debt such as credit cards, personal loans and medical bills. We evaluate people for debt relief options, services and solutions in all 50 states and Washington, D.C.
Will a consultation affect my credit score?
No. A free consultation call will not affect your credit score. Enrolling in a debt relief program or taking a consolidation loan can affect it.
Do I have to enroll if I call?
No. The call is free, takes about 45 minutes and carries no obligation. It is a conversation with an IAPDA-certified debt specialist about what you owe and which options exist for your situation.