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Consolidate and Reduce Your Credit Card Debt

Accredited is the Best Consolidation Option. Here's Why:

If you had a total debt of...
Accredited logoMinimum Credit Card Payments*
Monthly Payment
Total Repayment$18,750$72,262
Debt Free In46
Interest Rate0%23%
1-on-1 Debt Specialistcheckx

The choice is clear

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Frequently Asked Questions

In our program, we negotiate unsecured debts to a creditor or debt collector on behalf of our clients.

We have two goals when negotiating with your creditors:

  1. to reduce the amount you owe and
  2. to resolve the debt more quickly than you’d pay it off on your own.

While that may seem too good to be true, the process is pretty standard for creditors. Creditors often resolve debt for less than the amount owed. Creditors know that clients facing hardship may never pay the debt or decide to declare bankruptcy, so it’s in the creditor’s own interest to resolve the debt for less rather than getting no money at all.

Our program is generally for people with $10,000 or more in unsecured debt who want to reduce their total amount of debt without declaring bankruptcy. If you’re facing financial hardship and have more debt than you can pay off in the next two to four years, our debt program can be a solid option for getting yourself back on track financially.

We only work with debts without collateral attached to them, also known as unsecured debts. Unsecured debts include everything from credit cards to store cards and medical bills. Debts with collateral attached - like mortgages or car loans - are not eligible. Additionally, we do not work with federal student loans. Get in touch with us if you need to clarify which of your debts are eligible.