Important Considerations
David felt buried by bills and was unsure who to trust. Here’s how he explored Accredited Debt Relief and what helped him make his decision.
- Accredited Debt Relief helps reduce unsecured debt through structured settlement programs, usually lasting 24–48 months.
- The company holds an A+ rating with the BBB and is accredited by the American Fair Credit Council.
- While the service can reduce what you owe, it requires stopping payments to creditors, which impacts your credit.
Watch Now: Accredited Debt Relief Video Review
David’s Story: Facing the Numbers
David found himself in his late thirties trying to rebuild his finances after experiencing relationship issues and a job layoff. He racked up over $46,000 in credit card and personal loan debt, trying to keep himself and his son afloat on a limited income. On Reddit, stories from users felt familiar with people trying to stay ahead but falling deeper into the hole. David said the constant stress led to anxiety and sleepless nights. When a friend mentioned Accredited Debt Relief, he turned to Reddit and the BBB to see what real people had to say to help find a path forward.
How Does Accredited Debt Relief Work?
Accredited Debt Relief works by negotiating with your creditors to settle debts for less than what you owe. You stop making payments to your creditors and instead deposit money into a dedicated savings account. Once enough funds accumulate, Accredited negotiates a lump-sum payoff. You typically need $10,000 or more in unsecured debt to qualify.
Their fees are only charged once a settlement is reached, and they range from 15% to 25% of the enrolled debt. The company is accredited by the American Fair Credit Council (AFCC) and has an A+ rating from the Better Business Bureau.
Accredited Debt Relief BBB and Reddit Reviews
David was cautious, but what swayed him was the feedback he read on Reddit and the BBB. Users provided feedback that Accredited Debt Relief kept them informed through every step of the process. Many users highlighted never feeling like they were guessing about where they were in the debt relief process. Others noted how empathetic the reps were: No judgment, just a plan you can follow.
A rep should walk you through the process on your intake call. You should have a complete understanding of the timeline from start to finish for your situation, with no pressure to move forward—just clear information.
Pros and Cons of Accredited Debt Relief
Positive Aspects
- A+ BBB rating and AFCC accreditation
- No upfront fees; only pay after a successful settlement
- Strong customer communication and regular updates
- Flexible programs tailored to your budget
Negative Aspects
- Requires missed payments, which can harm your credit
- Collection calls and legal action may occur during negotiation
- Doesn’t cover all debt types (e.g., federal student loans, secured debt)
- Some users on Reddit reported long delays before seeing the first settlement
Is Accredited Debt Relief Legit?
Yes, Accredited Debt Relief is a legitimate company with over a decade of experience in the industry. They’re accredited by both the BBB and AFCC, and thousands of clients have completed their programs. But legitimacy doesn’t mean instant results. As David learned, you’ll need patience and the ability to handle temporary credit damage. If you’re expecting a quick fix, this might not be the path for you.
Compare Debt Relief Options
Consider Debt Consolidation Instead
Before deciding, David looked into debt consolidation. He checked with SoFi and LendingClub to see if he could qualify for a personal loan. With a FICO score in the low 600s, the loan offers he received didn’t beat the interest on his cards, and wouldn’t cover the full amount of outstanding debt that he had. For individuals with good credit, debt consolidation can simplify payments without harming their credit score. But for David, the savings just didn’t add up.
In Conclusion: Why Accredited Debt Relief Is Worth Considering
David didn’t jump into it. He asked questions, ran the numbers, and read every thread he could find. Ultimately, it was the transparency and steady support that gave him the confidence he needed. Debt relief isn’t a magic wand, but it can be the first real plan that doesn’t make you feel like a failure. Even after choosing a program, work will still be ahead. But for many, for the first time in years, you can feel like you’re working toward something.
If you’re looking for other options for debt relief, our other picks for the top debt relief companies include Achieve and National Debt Relief.
Frequently Asked Questions
Find answers to common questions about Accredited Debt Relief.
Yes. The BBB and AFCC have been helping consumers reduce debt for over a decade.
Accredited Debt Relief is a debt relief company that works by negotiating your outstanding debts on your behalf. You stop making payments and save into a dedicated account. Once there’s enough saved, the company negotiates settlements with your creditors.
Yes. Missing payments is part of the process and will negatively impact your credit, at least in the short term.
Unsecured debts, such as credit cards, personal loans, and medical bills, are typically eligible. They do not settle federal student loans or secured debts.
Some users report seeing their first settlement within 4–6 months. Full program completion usually takes 2–4 years. Results will vary based on your unique situation.
