Access Debt Relief review

Struggling with over $10,000 in debt? This connection service may be able to help.

If you’re drowning in credit card or student loan debt, Access Debt Relief may be able to connect you with a debt relief provider that can help. You need to have at least $10,000 in unsecured debts to qualify, though, and it doesn’t work with residents of New York or West Virginia.

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Access Debt Relief product details

ServicesDebt settlement, debt management, credit counseling
Minimum debtVaries by company
Typical turnaroundAround six months
FeesFlat fee of around $2,500 to $4,500
Types of debt Tax and credit card debt
Free resources or toolsPrice tool, debt relief company scam reports, debt checkup quiz, company reviews, offer-in-compromise tools including a script and calculator
Customer servicePhone, email, mail
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How much does it cost?

Access Debt Relief is a connection service that charges no fees to connect you with a debt relief provider that may be able to help. How much it costs will ultimately depend on the provider you’re matched with, your total debt amount, the number of creditors you owe, how much you pay each month and the program you sign up for.

How much could I save with Access Debt Relief?

There’s no maximum dollar amount you can expect to save. It all depends on your personal financial situation, the program you sign up for and and how effectively the company you’re matched with can negotiate with your creditors.

Before signing up for any program, talk to the debt relief consultant about how much you could potentially save. And be wary if they begin spouting off outrageously high numbers — if it sounds too good to be true, it usually is.

What are the pros and cons of Access Debt Relief?


  • Works with student loans. Access Debt Relief may be able to find a provider that can help with your student loan debt — rare for a debt relief company.
  • Free to use. You can connect with a debt relief company that may be able to help without having to pay a cent.
  • Quick process. Filling out Access Debt Relief’s online form only takes a few minutes and doesn’t require much information.


  • Minimal contact information. Aside from email addresses listed in its privacy policy, Access Debt Relief provides no simple way to contact its customer service team if you have any questions.
  • High minimum debt amount. Access Debt Relief’s partners are looking for clients with at least $10,000 in unsecured debts — though some providers may be willing to work with people who owe less.
  • Limited information. While Access Debt Relief offers a good deal of info on the debt relief process in general, you’ll find very little info online about the company itself.

Compare other debt relief providers

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Name Product Costs Requirements
Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.
Accredited Debt Relief
Charges and fees vary by the company you're ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
National Debt Relief
15–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated company that works with multiple types of debt.

Compare up to 4 providers

Before you sign up with a debt relief company

Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.

Consider alternatives before signing up with a debt relief company:

  • Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
  • Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
  • Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.

What is Access Debt Relief?

Access Debt Relief is a connection service that matches customers with potential debt relief providers. Its services are free, but you’ll need at least $10,000 in eligible unsecured debt to be connected with a provider — though some work with people who owe less. Provided you have the minimum amount of debt required, you may be able to find a provider that can help with debt settlement, debt management or debt consolidation.

What states does Access Debt Relief service?

Access Debt Relief works with residents of all states except New York and West Virginia.

What do customers say about Access Debt Relief?

Not much. Access Debt Relief doesn’t have a page on the Better Business Bureau or Trustpilot as of April 2019 — not uncommon for a connection service. Instead, you might want to read up on the provider you’re connected with to make sure it’s legit and see what other customers have to say about its services.

Is it safe to use Access Debt Relief?

In general, yes — though no company can ensure your details stay 100% safe online. Access Debt Relief does its part by using a 256-bit encryption process. Plus, it doesn’t require you to submit sensitive personal details like your Social Security number or bank account information to get connected with a provider.

Its privacy policy covers the type of information it collects and how it’s used. Like any connection service, it shares your details with third-party providers to connect you with a company that can help.

To remove yourself from this email list, you can enter your email on the Unsubscribe page on its website. And if you want your information deleted altogether, you can send an email to — just keep in mind it may take up to three months for your request to be processed.

How do I get started?

To find a debt relief provider that may be able to help, follow these steps:

  1. Click the Go to Site button on this page — you’ll be redirected to Access Debt Relief’s website.
  2. Select the type of debt you need help with, as well as any other debts you may owe. Click Continue.
  3. Select the amount you owe for each type of debt. Click Continue.
  4. Enter your contact information, including your full name and address.
  5. Read over its private policy and terms of use. Click Get My Results.

It may take up to five minutes for Access Debt Relief to process your request. If you’re connected with a debt relief provider, you’ll be redirected to its website to start the consultation process.

I’ve been connected with a debt relief provider. What happens next?

It depends on the provider you’re connected with. In general, you’ll receive a free consultation to determine what type of debt relief program best fits your situation and learn more about the costs involved. Your provider should also inform you of the risks that come with debt relief, including a potential drop in your credit score and the fees you’ll accumulate if you stop making minimum payments.

3 tips to make debt relief a smart financial move

No matter which debt relief program you sign up for, these three tips can help keep your head above water:

  • Stick to your budget. You’ll work with your debt relief provider to create a budget that fits your income and lifestyle. Use it to your advantage — the more you stay on budget, the faster you’ll get out of debt.
  • Avoid taking on additional debt. Adding even more to your already-high debt load will make the situation tougher, especially if you only qualify for subprime rates.
  • Stay patient. The debt relief process isn’t instantaneous. It can take years for creditors to accept a settlement, and your debt may get bigger before it gets smaller.

Bottom line

If you’re struggling to pay back over $10,000 in unsecured debts, Access Debt Relief may be able to help. But as a connection service, you’ll know exactly what costs are involved only after you’re matched with a provider.

Prefer to work with a direct company from the get-go? Explore your options with our guide to debt relief providers.

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