What We Offer
Accredited Debt Relief offers award-winning debt relief services, evaluations and loan options — and has helped over 1.3 million people and resolved more than $15 billion in unsecured debt.
We offer a free consultation to help you figure out which option best fits your situation as well as tools to support long-term financial wellness.
A no-obligation call with an IAPDA-certified debt specialist who reviews your debt, explains your options and gives you a personalized savings estimate.
Our debt relief program is designed to help you resolve unsecured debt in a timeline that works for you. We also match clients with debt consolidation loans when that's the better fit.
Free budgeting resources, debt payoff guides and financial wellness tools are available to everyone. Our clients get access to additional exclusive tools to help them stay on track.
Which debts qualify for debt relief?
Accredited Debt Relief is best for people who have $5,000 or more in unsecured debt like:
- Credit Cards
- Personal Loans
- Medical Debt
- Private Student Loans
- Lines of Credit
- Collections
- And More
We offer debt relief services, evaluations and solutions in all 50 states. We don't work with secured debts.
Taking control of my credit card and personal loan debt has empowered me. It's given me hope again.
Nick C.
A Real Client with $17,725 in Debt
What To Expect on a Free Debt Consultation Call
Reaching out for debt help can feel like a big step, but your free consultation is simply an introduction — a chance for one of our debt specialists to learn about your situation and walk you through options available in your state.
They'll review your debts, tell you exactly how much you could save and answer any questions you may have.
The call typically takes about 45 minutes and there is no obligation to enroll.
On your call, your specialist will cover:
- Your debts that qualify for relief
- Which options best fit your situation
- Your estimated savings
- Your estimated debt-free timeline
- Next steps to move forward
Debt Relief and Consolidation Options
Debt relief programs and debt consolidation loans both simplify your debt into one monthly payment, but they work very differently.
Accredited Debt Relief will evaluate you for all available solutions and will provide free resources to help you make your decision.
Designed for people experiencing financial hardship or overwhelmed by minimum payments.
It can be a good fit for people who are unable to qualify for alternatives like balance transfer credit cards or consolidation loans.
- Combines debts into one
- Cut eligible payments by 40%+
- No credit score requirement
- Timeline: 24 to 48 months
- Access to wellness resources
A consolidation loan may be worth exploring if you have strong credit and qualify for a rate significantly lower than your current accounts.
Keep in mind that you still repay the full balance and savings depend entirely on the terms you qualify for.
- Combines debts into one
- Requires good credit
- Requires stable income
- Approval based on credit score and DTI
- Savings depend on the rate and terms
Financial Wellness Tools
Becoming debt-free is a process and it takes more than a repayment plan to build long-term financial wellness.
That's why we offer free tools to anyone in need as well as exclusive resources for our clients.
The monthly payments were affordable and they made me feel cared for. I was able to save $486 a month.
Sharise N.
A Real Client with $14,194 in Debt
Free Resources
Available to anyone:
- 100+ articles covering personal finance, budgeting, debt repayment & more
- Downloadable budget trackers
- Debt payoff and other calculators
- Free video content
- Financial literacy guides
- Debt repayment guides
- And more
Exclusive Resources
Available to our clients:
- Weekly financial wellness sessions led by certified therapists
- Exclusive videos covering program details and personal finance tips
- Community Q&A sessions
- Client Facebook group
- Award-winning app to track your progress
- And more
Client Results: See What Debt Relief Can Do for You
Accredited Debt Relief clients typically reduce their eligible monthly payments by 40% or more.
For the average client with $25,000 in debt, that's $480* a month that goes back into household budgets to pay for things like groceries, gas and other essentials.
“I took that first step because I knew I wasn't going to get out of debt alone.”
Annemie, former teacher from North Carolina
Annemie saved 46% a Month.
“My Consolidation Specialist was very compassionate and didn't judge us.”
Mark, retired veteran from Oklahoma
Mark saved 66% a Month.
“Money is not scary anymore. I'm able to live freely for the first time in my adult life.”
Harlie, order processor from New York
Harlie saved 61% a Month.
“I get to go to sleep without worrying about how things are going to be paid.”
Sharise, LCSW from Pennsylvania
Sharise saved 65% a Month.
*Based on median client savings. Individual results vary. A free evaluation will show you your estimated monthly savings.
Why Choose Us
We are known in our industry for exceptional customer service and client results.
This work is consistently reflected in our top-tier ratings across every major consumer review platform and through our award wins from significant consumer organizations like ConsumerAffairs, American Business Awards, Business Intelligence Group and Banking Tech USA.
4.9/5 stars
3,000+ Reviews
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10,000+ Reviews
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4.9/5 stars
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Frequently Asked Questions
What happens during a free debt relief consultation?You'll speak to an IAPDA-certified debt specialist with 115 hours of training, including empathy-focused support, who will review your debt, explain your options and give you a personalized savings estimate. The call is free, takes about 45 minutes and there is no obligation to enroll.
What's the difference between debt relief programs and debt consolidation loans?Debt relief programs and debt consolidation loans both simplify your debt into one monthly payment, but they work very differently.
A consolidation loan replaces your debt with a new loan — you still repay the full balance and your savings depend entirely on the rate and terms you qualify for based on your credit score and debt-to-income ratio.
A debt relief program has no credit score requirement and can reduce eligible monthly payments by 40% or more, making it a stronger fit for people experiencing financial hardship or struggling to qualify for favorable loan terms.
Accredited Debt Relief evaluates you for both options to determine which one best fits your situation.
How much debt do I need to qualify?Accredited Debt Relief evaluates people for debt solutions that can help with any amount of debt. Accredited Debt Relief clients who choose a debt relief program typically have $5,000 or more in unsecured debts like credit cards, personal loans and medical debt.
Will this affect my credit score?Free consultation calls will not affect your credit score. Debt relief and consolidation options like loans can affect your score. The impact depends on your current situation and type of solution you choose.
How long does it take to become debt free?Exact timelines vary by debt amount and debt solution. Accredited Debt Relief clients in a debt relief program are typically debt-free in 24 to 48 months.