You could save hundreds monthly.
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Or call 800-497-1965 to talk with a debt specialist.
If you're carrying credit card balances, medical bills or personal loans in Utah, you're likely feeling the squeeze of high interest rates eating into every paycheck. Utahns now carry more credit card debt than nearly half of all U.S. states, with the average cardholder owing $7,613 according to LendingTree's 2026 Credit Card Debt Statistics — and rising housing costs along the Wasatch Front are adding further pressure to monthly budgets. 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 Utahns for consolidation loan options, too.
Average credit card debt per Utah cardholder in Q3 2025, ranking Utah 24th nationally and up 4.4% year over year, according to 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.
Americans carry over $1.25 trillion in non-housing debt balances as of early 2026, says the Federal Reserve Bank of New York Household Debt and Credit Report.
Salt Lake City and the Wasatch Front have seen some of the fastest-rising housing costs in the country over the past several years, leaving many residents with less breathing room in their monthly budgets. Even Utahns with steady jobs find that high-interest revolving debt can quietly grow faster than it gets paid down. The pressure is real and widespread — and it doesn't require a major financial event to feel like too much to manage. A debt relief program can help reset the math, replacing several payments with one that fits the budget you actually have.
Our program simplifies what you owe and reduces eligible monthly payments — no perfect credit required and no large upfront payment to get started.
1. Free Consultation — Call 800-497-1965 or complete a short online form to speak with a debt specialist. The consultation is completely free, takes about 20 minutes and has no impact on your credit. There is zero obligation to enroll.
2. Match With a Personalized Program — Your specialist reviews your full financial picture and identifies the right option for you. To be reviewed for Accredited Debt Relief's program, you'll need $5,000 or more in unsecured debt. From there, you're matched with a debt relief program or evaluated for consolidation loan options based on your specific situation.
3. One Monthly Payment, Lower Than Before — Instead of managing multiple due dates and minimum payments, you make a single monthly program payment. Most enrolled clients reduce their eligible monthly payments by 40% or more — money that goes straight back into your monthly budget.
4. Become Debt-Free Typically in 24–48 Months — Accredited Debt Relief's fees are 100% success-based — you'll never pay before you see savings. There are no hidden upfront costs. The program is designed to get you to debt-free status, typically in 24–48 months.
Accredited Debt Relief serves residents across Utah — including Salt Lake City, Provo, Ogden, St. George, Sandy and West Valley City. You may be a good fit for the program if you:
Accredited Debt Relief does not work with secured debts such as mortgages and 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 most qualifying payments |
| 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 | 4–6 months to discharge; 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 | No realistic path to repayment |
Accredited Debt Relief specializes in debt relief and can also evaluate Utahns for consolidation loan options — so one free consultation can help you understand which path fits your situation. Accredited Debt Relief does not offer bankruptcy services, but can help you determine whether a debt relief program may be a better fit than filing.
These are the questions Utah residents ask most often — answered directly and without jargon.
How does debt consolidation work in Utah? Debt consolidation in Utah combines multiple unsecured debts — credit cards, medical bills, personal loans — into a single monthly payment that is lower than what you were paying before. Accredited Debt Relief evaluates your situation and matches you with either a debt relief program or a consolidation loan option. Most enrolled clients reduce their eligible monthly payments by 40% or more and become debt-free in as little as 24–48 months.
How much does a debt relief program cost? Accredited Debt Relief charges success-based fees only — you will never pay before you see savings. There are no upfront costs and no hidden fees. The free consultation to review your options costs nothing and does not affect your credit.
What types of debt can I save on with a debt relief program? Accredited Debt Relief works with unsecured debts, including credit card balances, medical bills and personal loans. The program does not cover secured debts such as mortgages or auto loans, federal student loans or business debts. A free consultation with Accredited Debt Relief is the fastest way to find out which of your balances are eligible.
How long does a debt relief program take in Utah? Accredited Debt Relief's program typically takes 24–48 months, depending on the total amount of enrolled debt and the monthly payment amount. The free consultation will give you a personalized estimate based on your specific situation.
Will a debt relief program affect my ability to manage everyday bills? A debt relief program is designed to make monthly bills more manageable, not less. Accredited Debt Relief's program reduces eligible monthly payments by 40% or more, which frees up cash for essentials like rent, groceries and gas. Your dedicated specialist helps you set a program payment that fits realistically inside your monthly budget.
Is debt relief the same as bankruptcy? No. Debt relief is a private program that combines unsecured debts into one lower monthly payment, with no court involvement. Bankruptcy is a federal court process with long-term public record consequences. Accredited Debt Relief does not offer bankruptcy services, but we can help you understand whether a debt relief program may be a better next step before considering filing.
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.
You now have the facts — the debt numbers, how the program works and what your options are. The best next step is a free, no-commitment conversation with a certified debt specialist who can review your specific situation. The consultation is completely free, takes about 20 minutes, won't impact your credit and carries zero obligation. At the end, you'll have a personalized debt relief plan, an estimated monthly payment and the clarity to decide whether moving forward is right for you.
Get A Free Debt AnalysisOr call 800-497-1965 · accrediteddebtrelief.com/state/utah-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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