Consumer Credit Counseling Services

How our program helps:

  • Significantly lower your monthly payment
  • Reduce your debt to a fraction of what you owe
  • Be debt free in as little as 12 to 48 months

Select Your Debt Amount:



Consumer Credit Counseling Services

Get the help you need ...

Are You Ready To
Reduce Your Debt?

Connect with a specialist today!

Credit Counseling Services — What You Need to Know

Many who are deep in debt could benefit from the help of a debt service that can guide them through their options, answer tough questions and help prepare them for future success. Fortunately, experts are available, both in the form of debt counselors who work through credit counseling agencies and Consolidation Specialists who work for debt consolidation companies. Which type of counseling is best for you?

Traditional consumer credit counseling agencies work with consumers who need help managing their finances. This process is similar to how you would visit an academic advisor for educational guidance. A credit counselor uses their expertise to help their clients improve their finances. They can help you review your current financial situation, discuss any concerns, and implement strategies to help you achieve your money goals. Credit counselors may also provide you with budgeting tools or recommend that you enroll in a debt management plan (DMP).

Debt consolidation companies, like Accredited Debt Relief, have Consolidation Specialists who can provide counseling and guidance to clients. In addition to offering free debt consultations, they can match you with customized programs to help you overcome your debt in as little as 12-48 months. They have debt consolidation options for all credit scores.

One key difference between working with credit counselors and Consolidation Specialists is the amount of savings you could see. Credit counselors may be able to help you reduce your interest rates and fees, and they can sometimes arrange for new terms with your creditors to lower your monthly payments. However, credit counselors typically aren’t able to reduce the principal balances you owe. Consolidation Specialists, on the other hand, can work on your behalf to reduce the overall amount you owe by as much as 50%.

When debt prevents you from accessing your basic needs, it’s time to get help.

When Mike became unemployed, he and Rhonda had to rely on their savings and credit cards to get by. Accredited Debt Relief helped them overcome their debt, saving them over $20,000.

You May Need More Than Credit Counseling If...

Your Payments are Too High

You're paying too much interest or are stuck making only minimum payments

Your Accounts are Maxed Out or in Collections

One or more of your credit cards are maxed out or your credit utilization is over 40%

You Have Missed Payments

You miss payments or you can’t afford both your monthly payments and basic needs

Your Money Stress is Affecting Your Health

Your debt is worsening your quality of life, physically or mentally

Credit Counseling FAQs

Accredited Debt Relief is not a credit counseling agency. However, we do have a team of Consolidation Specialists who can provide you with a free consultation; this includes a free debt review and customized recommendations for programs that best fit your unique needs. If you choose to get help from Accredited Debt Relief, you'll then receive access to a Client Success Team who can provide support throughout your financial relief journey.

Credit counseling can provide individuals with a variety of services and tools to help them with their finances, including debt counseling, budgeting tools and debt management plans. Their services can be especially helpful for those who are just starting to experience financial difficulties and who want to prevent a smaller debt situation from getting out of control.

Your credit counselor may recommend enrolling in a debt management program (DMP). This is an agreement where you'll make monthly lump sum payments to the credit counseling agency. In turn, they will communicate with your creditors directly, work to negotiate new payment plans and reduce your interest rates. The agency will then use the funds you send them to pay down debts on your behalf. It's important to note that DMPs cannot lower your overall debt. They also typically last 3-5 years, are limited to unsecured debt, and may require the participant to stop using all lines of credit while in the program.

Pros and Cons of Credit Counseling Agencies

Credit counseling can be helpful for those who are looking for a little extra guidance. If you’re just beginning to struggle with debt payments, a credit counseling session can provide you with budgeting guidance and the tools you need to prevent a smaller debt situation from getting out of hand.

One of the biggest downsides to credit counseling is that it cannot lower the total amount of debt you have. Debt management programs may lead to lower interest rates and a better payment schedule, but they can’t reduce your principal balance like a debt consolidation program can.

Pros of Credit Counseling

  • Can provide general financial guidance and tools to improve financial health
  • Provides clear, actionable plans for debt repayment
  • Can consolidate payments and lower interest rates through a DMP

Cons of Credit Counseling

  • Is less helpful if your debt situation is already dire
  • Can't lower your principal balances
  • May require recurring sessions
  • May charge setup fee

Are Credit Counseling Services Right for Me?

Credit counseling isn't restricted to those who are already drowning in debt; if you are interested in planning ahead for financial success, a credit counselor can provide you with more information and answer your financial questions about bill consolidation, debt forgiveness, cancellation and more. Whether you've just received your first credit card, want some budgeting guidance, are just beginning to struggle with credit card payments or are handling more debt than you can manage, credit counselors can assist you and point you in the right direction.

It's important to remember that although credit counseling services can work with creditors to reduce your monthly payments, they can’t reduce your principal balances. If you’re looking for ways to reduce your overall debt, it’s better to seek help from a debt consolidation company.

Accredited Debt Relief: The Best Way to Pay Off Debt

Accredited Debt Relief has helped consumers across the country consolidate and lower their debts. With an A+ BBB rating, we offer customized financial solutions that can help you pay off your debt obligations quicker. Our experienced team can help lower your monthly payments and reduce what you owe overall. To learn more and receive a free, no obligation consultation, contact us today.

Proven Results From Real Clients

Carl F.

Enrolled Debt: $43,922

Paid Off For: $21,403

Savings: $22,879*

Enrolled: 2/10/2020

Graduated: 8/31/2021

Kelli M.

Enrolled Debt: $21,974

Paid Off For: $12,797

Savings: $9,176*

Enrolled: 3/22/2020

Graduated: 10/21/2021

Ashley S.

Enrolled Debt: $24,954

Paid Off For: $10,634

Savings: $14,320*

Enrolled: 1/1/2020

Graduated: 10/28/2021

* These examples do not include fees. This is a small sample of results our team has achieved for our clients. These results were obtained for clients who successfully met all of their terms and received offers. Results may vary, and there are no guarantees that all creditors will agree to new terms. These examples are not representative of results in all cases.

Learn More About Overcoming Debt

6 Reasons You're Stuck in Debt

Unfortunately, getting back on track financially is often much easier said than done, and there are many barriers that keep hard-working individuals drowning in debt.

Click Here

The Cheapest Ways to Get Out of Debt

Consider six of the cheapest ways to get out of debt and find the solution that is right for you.

Click Here

Behind the Scenes With a Consolidation Specialist

Accredited Debt Relief offers free consultations to those struggling with debt across the U.S., but what’s that first phone call experience really like?

Click Here