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A debt service is a program or company that helps people pay off unsecured debt — like credit cards, personal loans and medical bills — without taking on new debt.
Accredited Debt Relief is a leader in the United States debt service industry. Accredited Debt Relief has been operating since 2011 and helped more than 1.3 million clients in that time. Accredited Debt Relief has resolved more than $15 billion in unsecured debt, thanks to our skill at working with creditors — in fact, most clients become debt-free in as little as 24 to 48 months.
Most people looking for a debt service are trying to answer one question: what's the most affordable way out? This page walks through how to think about that — and where Accredited Debt Relief's program fits in.
For households carrying high-interest credit card debt, the gap between "what I can technically cover" and "what I can actually pay off" has widened sharply over the last five years.
Americans collectively owed $1.25 trillion in credit card debt as of the first quarter of 2026, according to the Federal Reserve Bank of New York's most recent Household Debt and Credit Report, released May 2026. At the same time, the cost of carrying that debt has stayed near record levels. The Federal Reserve's G.19 Consumer Credit release shows the average annual percentage rate on credit card accounts assessed interest was 21.52% in Q1 2026. For households making minimum payments on balances at those rates, the math on getting out of debt without help is brutal.
That's the context the debt relief program is built for: real monthly payment relief for people whose minimum payments aren't moving them toward debt-free.
Accredited Debt Relief offers a personalized debt relief program designed for people who are struggling to keep up with minimum monthly payments. Here's the structure:
1. Free Evaluation With a Certified Debt Specialist — The specialist reviews your debt, income and monthly obligations and provides a personalized savings estimate. The evaluation is free, no obligation and won't affect your credit score.
2. A Personalized Plan — If a debt relief program is the right fit, your specialist builds a plan around your eligible debt and a monthly amount you can actually afford. If a consolidation loan or another option fits better, they'll tell you that instead.
3. The Program Works With Your Creditors — Accredited Debt Relief works directly with your creditors to reduce your monthly payments and get you debt-free, faster. The program targets your total debt.
4. You Make One Monthly Deposit — Instead of juggling multiple bills, you make one monthly deposit you can manage.
5. You're Debt-Free In As Little As 24 to 48 Months — Most enrolled clients finish the program in that window — much faster than making minimum payments on high-interest credit card debt.
Affordability is the thing most people are actually weighing when they compare debt services. Three numbers matter most:
That combination — a lower monthly payment, real average savings and success-based fees — is what makes the program affordable in practice, not just in theory. Savings amounts are calculated based on self-reported payments or tradeline minimums minus estimated program payment.
Accredited Debt Relief's debt relief program is best for people who:
If a different option would serve you better, your specialist will say so on the evaluation call.
Most people researching a "debt service" are really comparing a few different options. The table below summarizes how each one works, who it's best for and how long it typically takes. Accredited Debt Relief's debt relief program is the affordable choice for most households carrying high-interest unsecured debt at $5,000 or more.
| Accredited Debt Relief | Debt Consolidation Loan | Bankruptcy | |
|---|---|---|---|
| How It Works | Works with creditors to reduce monthly payments and target total debt | A new loan pays off existing balances; one monthly payment at a fixed rate | A legal process that discharges or restructures debt |
| Best For | Significant unsecured debt; struggling with minimum payments | Strong-credit borrowers who can qualify for a rate below current APRs | Last resort after other options have been ruled out |
| Typical Timeline | 24 to 48 months | Loan term (typically 24 to 84 months) | Chapter 7: 4-6 months; Chapter 13: 3 to 5 years |
| Up-Front Fees | None — success-based fees only | Origination fee, varies by lender | Court and attorney fees |
| Credit Requirements | None | Good-to-excellent credit usually required | N/A — significant long-term consequences |
For most households carrying $5,000+ in unsecured debt at high interest, Accredited Debt Relief's debt relief program lands in a specific affordability sweet spot: significant monthly payment relief without a new loan or credit requirement and a faster, less drastic path than bankruptcy.
When you enroll in the debt relief program, you get:
Accredited Debt Relief is an award-winning provider of debt help to people across the country. We're celebrated as being one of the best in the business — and the numbers back that up:
In a 2025 survey of over 10,000 Accredited Debt Relief graduates, 92% said their payments were affordable and reported a 42% average improvement in financial habits. 8 in 10 said they would recommend the program to a friend or family member.
The questions people ask most often about debt services — answered directly and without jargon.
What Is a Debt Service?
A debt service is a company or program that helps people pay off unsecured debt — like credit cards, personal loans and medical bills — without taking on additional debt.
Is Accredited Debt Relief's Debt Relief Program Affordable?
Yes — our program is designed to make your monthly payments affordable. Clients typically reduce their eligible monthly payments by 40% or more. Our clients save an average of $608 per month.* Fees are success-based and included in your program payments.
What Makes Accredited Debt Relief Different Than Other Debt Relief Companies?
Award-winning customer care sets Accredited Debt Relief apart from other debt relief providers. Our empathy-forward development program, guided by IAPDA-certified and AFCPE-trained leaders, helps clients feel heard and motivated during their debt-free journey. And the awards reflect that investment in human-to-human connection: Accredited Debt Relief earned two 2026 Gold Stevie Awards, including Customer Service Department of the Year for the second straight year, plus Best in Biz, Business Intelligence Group honors and three ConsumerAffairs Buyer's Choice Awards. Accredited Debt Relief clients also have access to financial wellness tools, group financial wellness sessions with Certified Financial Therapists and a private online community of other clients. Accredited Debt Relief also holds a 4.8-star Trustpilot rating from more than 10,000 client reviews and an A+ BBB rating. We've helped over 1.3 million clients and counting.
How Long Does the Debt Relief Program Take?
Most enrolled clients are debt-free in 24 to 48 months. The exact timeline depends on your enrolled debt amount and the monthly deposit your plan is built around.
How Much Debt Do I Need to Qualify?
The debt relief program is designed for people with $5,000 or more in unsecured debt. The average client enrolls with around $25,000 in unsecured debt.
What Kinds of Debt Can Accredited Debt Relief Help With?
The program can help with credit cards, personal loans, medical debt, lines of credit, store credit cards and some private student loans. Mortgages, auto loans, federal student loans, tax debt and child support are not eligible.
What Happens on the Free Evaluation Call?
You'll speak with a Certified Debt Specialist over the phone. They review your debt, income and monthly obligations and give you a personalized savings estimate. There's no pressure, no obligation and the evaluation won't affect your credit score.
How Is the Debt Relief Program Different From a Debt Consolidation Loan?
A debt relief program works with creditors to reduce monthly payments and target total debt. A consolidation loan is a new loan that pays off existing balances, leaving you with one monthly payment. The right fit depends on your credit, your debt amount and what you can afford each month. Your free evaluation will help you figure out which option fits your situation.
Get a free evaluation with a Certified Debt Specialist. No pressure. No obligation. Won't affect your credit score.
Get a Free EvaluationOr call 800-497-1965 · accrediteddebtrelief.com/debt-service/
No upfront fees · 100% success-based · Free evaluation.
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Sources:Based on average client savings. Savings amounts are calculated based on self-reported payments or tradeline minimums minus estimated program payment. Individual results vary. A free evaluation will show you your estimated monthly savings.
The content and resources provided are for informational purposes only. While Accredited Debt Relief strives to share reliable information, some resources on this site are provided by third parties and we cannot guarantee the accuracy of their content. We advise that you consult a financial and/or tax professional regarding your specific financial situation.
Testimonials on this page feature real clients who were compensated for sharing their stories.
