Most debt relief companies stitch together off-the-shelf software and call it a platform. Accredited Debt Relief built its own, from the ground up, and has been improving it every week since 2022. As pioneers of the industry's first client mobile app, we put powerful technology at the heart of everything we do. We continually invest in upgrading our technology to give our clients a faster, smarter and more seamless experience.
- Our app, the first in the debt relief industry, launched in 2022, lets you track every balance offer, and milestone in real time, from your phone, 24/7
- Our platform is built and owned entirely in-house, not licensed software, and updated every week throughout your program
- Our data spans $15B+ in debt resolved and 10,700+ creditors, including every top-20 U.S. bank, giving our negotiators an intelligence advantage competitors can't match
- 70% of clients receive a resolution offer within 3 months¹; 92% within 6 months — and in 2025, clients freed up an average of $608/month³, a median of $468, or roughly half of what they had been paying before enrolling
- Engineering embedded with client services — real client feedback drives product changes, not a separate roadmap
- Your financial data is protected to PCI DSS Level 1 — the same standard applied to banks and major payment processors
¹ First resolution results are for engaged program participants for 2025.
³ Active customers x (last actual monthly payments to each creditor – program deposit), aggregated across 2025.
Investing in Your Experience from Day One
In November 2020, we made a decision to build a mobile app from scratch, purpose-built for debt relief clients, even though nothing like it existed in our industry. It took two years of dedicated development and investment. When it launched in 2022, it was the first of its kind. Today it's one of the top-rated debt relief apps, with a 4.9 rating on iOS, 4.8 on Google Play, and used by 484,000+ active clients.
That independent recognition extends beyond app store ratings. The app was named to Newsweek's America's Best Online Platforms 2026 for the second consecutive year. The ranking evaluates platforms across four dimensions: a nationwide survey of 15,000+ online-service users, traffic growth, technical performance, and mobile usability including app store presence and user ratings.
We haven't stopped. The app is updated every week, and the investment we made to build it from the ground up means we can keep improving it on our own terms, on our own timeline, for you.
iOS App Store
18,000+ ratings
Google Play
9,400+ reviews
active monthly app users
- Real-time program view: every balance, every enrolled debt, every resolution offer
- Push alerts: for offers, payments, and milestones as they happen
- Document upload & e-signature: what used to take days now takes minutes
- Secure live chat: with US-based specialists, in-app
- Milestone tracking, budgeting tools: and free financial education resources
The mobile app is exclusive to people currently enrolled in an Accredited Debt Relief program.
"We needed to meet our clients wherever they are. The result is a first-of-its-kind platform that gives clients real-time visibility into their program and keeps them connected to their specialists at every step."
Sergio Rabiela
SVP of Technology, Accredited Debt Relief
The app is simple and easy to navigate. If I ever need help, I know where to look and Accredited Debt Relief always lets me know when an offer comes up.
— Verified iOS App Store Review
I had one initial phone call at the beginning of my debt relief process. Since then, everything has been done through the app with the greatest of ease, relieving much of my stress. I highly recommend!
— Verified Google Play Review
The app itself is very easy and straightforward and shows you what information you need to see and easy to get to details as well. It also allows you to see what payments are being made and what still needs negotiating. It gives you a direct phone number to call as well. This is one of the better well organized and easy to navigate apps I have seen.
— Verified Google Play Review
Exceptional service. Very easy to set up the account, clear and concise directions for managing the account, and 24/7 access to my account for tracking and follow up information. Customer service is fantastic, and even offers the ability to chat with a representative any day or time. I would highly recommend them for anyone needing debt management.
— Verified Google Play Review
We Built Our Platform — We Didn't Buy It
Many debt relief companies assemble their client experience from disconnected third-party tools, systems that don't talk to each other and can't be improved without a vendor's permission. Accredited Debt Relief took a different path. Our engineering team built our platform from the ground up, and has owned and improved it ever since.
Since 2020, we have invested over $44M in improving app technology and the user experience.
Why That Matters for Clients
One of the Largest Creditor Datasets in Debt Resolution — Working for You
Every resolution offer we negotiate is informed by intelligence from $15 billion+ in debt resolved, 1.3+ million clients and 10,700+ creditor relationships. That dataset compounds every year, and each resolution offer sharpens what we know for the next client.
The practical payoff: we know what each creditor typically accepts, when they accept it and how to get there faster. That's not a claim; it's what our outcomes data shows.
Saved after our fees in 2025
Distinct creditors & debt buyers
Accounts settled all time
Accounts settled in 2025 alone
What Our Data Advantage Means for Your Program
- 70% of clients receive a first resolution offer within 3 months¹: knowing each creditor's patterns is how
- 92% receive an offer within 6 months¹: meaning most clients are on the path to real financial relief within their first two quarters
- All top-20 U.S. banks and top-10 debt buyers: whoever holds your debt, we've likely negotiated with them before
- Clients freed up an average of $608/month in 2025³: a median of $468, or roughly half of what they had been paying before enrolling
When we say our data works for you, we mean it in concrete terms. Our 35+ analysts and data scientists study how every creditor negotiates: what offers they make, when they make them, and what it takes to reach a resolution. That intelligence is built into the strategy our negotiators use when working on your account, so the person fighting for your resolution offer isn't guessing, they're backed by data from millions of resolved accounts.
The result shows up in your outcomes: 70% of clients receive a resolution offer within 3 months and 92% within 6 months¹. In 2025, clients freed up an average of $608 a month³, a median of $468, or roughly half of what they had been paying before enrolling, and we saved clients more than $1.17 billion after our fees². That's more than all other Association for Consumer Debt Relief (ACDR) accredited companies combined.
That's what data discipline looks like from where you're sitting: faster offers, more reliable results, and more money back in your pocket.
The team making it happen brings credentials from MIT, Chicago Booth, Kellogg, and Northwestern Law, the kind of analytical depth you'd expect at a major bank, applied here to help people get out of debt.
¹ First resolution results are for engaged program participants for 2025.
² Sum of clients' (Outstanding balances – negotiated amounts – program fees) across 2025 resolved debts.
³ Active customers x (last actual monthly payments to each creditor – program deposit), aggregated across 2025.
Your Data, Protected to Bank Standards
Getting out of debt requires trusting a company with your financial details. Accredited Debt Relief protects that data to the same standard the card networks require of banks and major payment processors, because we operate at the scale that demands it.
How We Protect Client Data
- PCI DSS Level 1 Service Provider: the highest PCI compliance tier, the same standard applied to banks
- Zero Trust Architecture: every access request is verified, every time, regardless of where it originates so your financial data stays protected
- Encryption in transit and at rest: from your first form field to your last resolution offer, your data stays encrypted using technology that meets or exceeds industry best practice
- 24/7 continuous monitoring: with automated threat detection and rapid-response protocols
- Defense in depth: layered controls mean your protection never depends on a single wall holding
- 100-person IT organization: dedicated to security and infrastructure
"Security is the foundation of everything we build — zero trust where every request is verified, end-to-end encryption, continuous monitoring and rapid response, and security engineered into our processes from day one."
Théo Martin — VP of Information Technology
Former enterprise technology lead, JPMorgan Chase & Co. · Information Technology Infrastructure Library Certified · MBA Finance
How Accredited Debt Relief Approaches Technology Differently
Technology is where much of the client experience difference is made, and some competitors in the debt relief industry haven't invested in building it.
| Accredited Debt Relief | |
| Dedicated Mobile App | First in industry (2022) · 4.9★ iOS / 4.8★ Google Play |
| Proprietary Platform | Built in-house, technology updated every week |
| Real-Time Dashboard Updates | Approve offers and make decisions on your program |
| Client Action Center within the Mobile App | See actions on your account in real time and react on your own schedule |
| Creditor Intelligence Dataset | $15B+ debt resolved · 10,700+ creditors |
| In-App Secure Chat | Live, real people in the app |
| PCI DSS Level 1 Security | Independently validated through external security auditors (April 2026) |
| In-House Engineering Team | 160+ US-based technologists |
| Data Processing Scale | 14 billion records/day |
The Team Behind the Technology
Accredited Debt Relief's technology organization is led by engineers and analysts who built their careers at some of the most demanding institutions in consumer finance, and then brought that standard here.
SVP, Technology
Sergio Rabiela
Sergio leads the engineering organization responsible for Accredited Debt Relief's full client platform. He brings 20+ years in consumer fintech, including VP of Software Engineering at OneMain Financial and architecture leadership at Enova International, where he led technology for their flagship US business.
OneMain Financial • Enova International • 20+ years consumer fintech
SVP, Product Management
Shaila Kuchibhotla
Shaila leads the product team responsible for shaping what gets built and improved to make every step of your program clearer and easier. Former VP of Product Management at OneMain Financial, with prior roles at Fifth Third Bank and Great American Insurance.
OneMain Financial · Fifth Third Bank
VP, Data Engineering & Business Intelligence
Jay Hakim
Jay leads the team responsible for maintaining the data you see in your Dashboard and ensuring its accuracy. He led data teams at Vivid Seats and Raise, and as Director of Software Engineering at the Federal Reserve Bank of Chicago, oversaw a 25-person team delivering a national financial-services platform for U.S. banks.
Federal Reserve Bank of Chicago · Vivid Seats · State Street · AT&T Labs
VP, Information Technology
Théo Martin
Théo leads the team that keeps your financial data secure and the platform available whenever you need it. Former enterprise technology lead at JPMorgan Chase, where he drove large-scale infrastructure modernization initiatives. Information Technology Infrastructure Library (ITIL) certified.
Indiana University of Pennsylvania MBA · JPMorgan Chase & Co. · ITIL Certified
VP, Strategy & Analytics
Huy Pham
Huy leads the analytics function that forecasts and measures client program outcomes. Former Machine Learning/Artificial Intelligence analytics lead at Capital One. B.S. in Electrical Engineering, Computer Science, and Philosophy from MIT; MBA from Kellogg; J.D. from Northwestern. Licensed attorney and PMP.
MIT · Kellogg · Northwestern Law · Capital One · Texas Instruments · Licensed Attorney · PMP
SVP, Strategy & Analytics
Ashwin Ganesan
Ashwin leads the analytics work that helps match prospective clients with the right program before they ever enroll. Former Manager in Deloitte's Strategy & Operations consulting practice, and earlier a Senior Business Analyst in Marketing & Acquisition at Capital One.
Northwestern University J.D. · University of Michigan B.A. · Deloitte · Capital One
SVP, Strategy & Analytics
Matt Pollack
Matt leads the analytics work that tracks client outcomes across the business and drives continuous improvement in how we serve clients. Former VP of Strategy & Operations at OneMain Financial and SVP at consumer credit-reporting agency Credit Interlink. MBA from Chicago Booth.
OneMain Financial · Credit Interlink · Chicago Booth MBA · 20+ years financial services
Questions About Accredited Debt Relief's Technology
How does Accredited Debt Relief protect my personal and financial data?With layered, bank-level security controls. Accredited Debt Relief is a PCI DSS Level 1 Service Provider, which is the highest PCI compliance tier, independently validated by a Qualified Security Assessor. Our infrastructure uses Zero Trust Architecture, strong encryption in transit and at rest, 24/7 continuous monitoring, and strict access controls.
How does Accredited Debt Relief's data advantage help clients settle debt faster?Our analytics teams have mapped how 10,700+ creditors negotiate, including what they accept, when, and on what terms, drawing on $15 billion+ in debt resolved since 2011. That intelligence shapes each client's program from day one. It's why 70% of clients receive at least one resolution offer within just 3 months and 92% within 6 months1.
1 First resolution results are for engaged program participants for 2025.
How does Accredited Debt Relief's technology compare to other debt consolidation companies?Accredited Debt Relief maintains PCI DSS Level 1 certification, and operates a 160+ person in-house engineering organization with a proprietary platform updated weekly. Our creditor dataset of 10,700+ creditors and $15 billion+ debt resolved enrolled is among the largest in the industry and directly informs faster resolution offers for clients. That commitment to technology investment is best illustrated by a simple fact: in 2022, we launched the first dedicated mobile app in the debt relief industry — two years before the first major competitor followed.
Does Accredited Debt Relief use data science in its platform?Yes. Our 35+ data analysts and scientists apply advanced analytics to our creditor dataset to evaluate historical resolution patterns, track timeline metrics, and measure client outcomes rigorously. Analytics leadership includes alumni of Capital One's ML/AI team, Deloitte's Strategy & Operations practice, and institutions including MIT, Kellogg, and Chicago Booth.
Who builds and maintains Accredited Debt Relief's technology platform?An in-house team of 160+ US-based technologists, including engineers, product managers, QA specialists, data engineers, and analysts. The platform is proprietary: designed, built, and continuously improved internally. It is not licensed off-the-shelf software, and it is updated every week.
Has Accredited Debt Relief's app won any awards?Yes. Accredited Debt Relief clients have full access to the Beyond Finance app, and that app was named to Newsweek's America's Best Online Platforms for both 2025 and 2026. The ranking evaluates platforms across four dimensions: a nationwide survey of more than 15,000 online-service users, traffic growth, technical performance, and mobile usability including app store presence and user ratings. That independent recognition adds to the app's 4.9 rating on iOS and 4.8 on Google Play.
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