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Or call 800-497-1965 to talk with a debt specialist.
If you live in Michigan and the bills seem higher than they used to, you're not alone. The average Michigan cardholder carries $6,812 in credit card debt — well above the national average — reports LendingTree's 2026 Credit Card Debt Statistics. There's a way out, and it doesn't necessarily involve bankruptcy. Accredited Debt Relief works with you to combine multiple unsecured debts into one lower monthly payment through a personalized debt relief program — and we can even evaluate Michiganders for consolidation loan options, too.
Michigan cardholders carry an average credit card balance of $6,812 — up 7.8% from the prior year — reports LendingTree's 2026 Credit Card Debt Statistics.
Average U.S. credit card APR on accounts assessed interest, as of February 2026, near the highest level on record says the Federal Reserve's Consumer Credit G.19.
About 7% of total U.S. credit card debt was flowing into serious delinquency as of Q1 2026, up from 7.04% a year before, reports the Federal Reserve Bank of New York.
The pressure is real — in metro areas like Detroit, Grand Rapids and Lansing, households have absorbed years of higher costs at the grocery store and the gas pump while credit card rates have climbed. For many Michigan families, the math has stopped working — paychecks cover the essentials, but anything left over disappears into minimum payments that barely move the balance. A debt relief program can help reset the math — replacing several payments with one that fits the budget you actually have.
Our program is designed to simplify your budget and bring your monthly payment down — no perfect credit required and nothing to pay upfront.
1. Free Consultation — Tell us about your financial situation through a quick call or online form. There's no cost, no obligation and it won't affect your credit score.
2. Match With a Personalized Program — We review your situation and match you with the right path forward. To be evaluated for the program, you'll generally need at least $5,000 in unsecured debt — whether that's our debt relief program or an evaluation for consolidation loan options.
3. One Monthly Payment, Lower Than Before — Instead of juggling several bills, you make one program payment each month. Most eligible enrollees reduce their monthly payments by 40% or more — money that goes straight back into your budget.
4. Become Debt-Free Typically in 24–48 Months — Most of our clients become debt-free in 24–48 months. Our fees are 100% success-based and only charged after we deliver results — no hidden upfront costs, and you'll never pay before you see savings.
Accredited Debt Relief works with residents across the state — from Detroit and Grand Rapids to Warren, Sterling Heights, Ann Arbor and Lansing. The program is designed for residents who:
The program does not handle secured debts (like mortgages or auto loans), federal student loans or business debts. If you're unsure whether your accounts are a fit, a free consultation is the fastest way to get a clear answer.
| Debt Relief | Debt Consolidation Loan | Bankruptcy (Ch. 7) | |
|---|---|---|---|
| Reduces Monthly Payment | Yes — most clients reduce eligible monthly payments by 40% or more | Sometimes — depends on rate and term | Yes — eliminates qualifying unsecured debt |
| Eliminates Debt | Resolves enrolled balances over the program | No — replaces it with a new loan | Yes — discharges qualifying unsecured debt |
| Court Involvement | No | No | Yes — federal court filing required |
| Timeline | Typically 24–48 months | 2–7 years, depending on loan terms | About 3–6 months to file; effects last for years |
| Upfront Fees | None — fees are success-based | Origination fees and interest charges typically apply | Filing fees and attorney costs apply |
| Best For | Steady income, expensive minimum payments | Strong credit profile and access to a low-rate loan | Severe insolvency with no realistic ability to repay |
Accredited Debt Relief specializes in debt relief and can also evaluate Michiganders for consolidation loan options. Accredited Debt Relief does not offer bankruptcy services, but a free consultation can help you understand whether the program is a better fit than filing.
These are the questions Michigan residents ask most often — answered directly and without jargon.
How does debt consolidation work in Michigan?
Debt consolidation in Michigan combines multiple unsecured debts — like credit cards, medical bills and personal loans — into one monthly program payment that is typically lower than what you were paying before. Accredited Debt Relief works with Michigan residents to build a personalized program based on what they owe and what they can afford each month. Most eligible enrollees see their monthly payment reduced by 40% or more.
How much does a debt relief program cost?
Accredited Debt Relief's fees are success-based — you'll never pay before you see savings. There are no upfront costs to enroll and no obligation to move forward after the free consultation. Your personalized estimate will show your lower monthly payment and program timeline before you decide anything.
What types of debt can I save on with a debt relief program?
Most unsecured debts are eligible, including credit card balances, medical bills, personal loans, store cards and certain private installment debt. Secured debts like mortgages and auto loans are not eligible, and neither are federal student loans or business debts. If you have at least $5,000 in eligible unsecured debt, you can be evaluated for the program.
How long does a debt relief program take?
Most Accredited Debt Relief clients become debt-free in 24–48 months. The exact length depends on how much you owe, what you can afford each month and which program option fits best. You'll see an estimated timeline during your free consultation, before you commit to anything.
Is Accredited Debt Relief legit?
Accredited Debt Relief is a national debt relief company founded in 2011, with an A+ rating from the Better Business Bureau and more than 1.3 million clients served. Accredited Debt Relief offers free debt evaluations in all 50 states and connects eligible clients to debt relief services and consolidation loan options. Accredited Debt Relief has been named "Best Debt Relief Company" by 12 trusted publications — including Investopedia, CBS News, and CNBC.
Will I be charged anything during the consultation?
No. The consultation is free, takes about 15 minutes and comes with zero commitment. You'll get a clear picture of what a debt relief program would look like for you — your estimated monthly payment, program length and total potential savings — so you can decide what's right without any pressure.
You've got the facts — what comes next is a conversation. A free consultation with Accredited Debt Relief takes about 15 minutes, won't impact your credit score and comes with zero commitment. You'll walk away with a personalized debt relief program, an affordable estimated monthly payment and the clarity to move forward — whether you start the program or not.
Get A Free Debt AnalysisOr call 800-497-1965 · accrediteddebtrelief.com/state/michigan-debt-relief/
No upfront fees · 100% success-based · Free consultation.
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Sources:Year after year, respected consumer organizations and businesses have recognized Accredited Debt Relief for its core strengths: customer service excellence, value and overall process.
Accredited Debt Relief is recognized for:
Winner of the 2025 Excellence in Customer Service Award
Business Intelligence Group
Winner of Customer Service Department of the Year Award
American Business Awards
Winner of the 2025 Financial Wellness Champion Award
Banking Tech Awards USA
Winner of Customer Service, Overall Process and Best Value Awards
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