Accredited Debt Relief review

Shorter-than-average settlements — but with slightly lower savings than other companies advertise.

Bottom line: This debt settlement company offers programs as fast as 12 months, but with slightly lower savings than the competition.

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Accredited Debt Relief details

Free quote or consultationYes
ServicesDebt settlement
Minimum debt$10,000
Typical turnaround12 to 48 months
Direct or third-party negotiationsDirect
Fees15% to 25%
Types of debt Secured and unsecured.
AccreditationsAFCC, IAPDA
RatingsBBB: A+, Trustpilot: 9.4/10.
Free resources or toolsNone
Customer servicePhone, email.
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  • Program as short as 12 months
  • Fees starting at 15% of enrolled debt
  • Transparent about costs, risks and process


  • Not directly accredited with AFCC or IAPDA
  • Advertised typical savings around 5% to 10% less than other companies
  • Out-of-date accredited badges on website

What is Accredited Debt Relief and is it legit?

Accredited Debt Relief is an arm of Beyond Finance, which offers debt settlement, and operates under both names. Both offer direct negotiations with creditors to reduce your balance in exchange for a one-time payment.

And both are accredited with the International Association of Professional Debt Arbitrators (IAPDA), a trade organization that sets standards for the debt relief industry. Its debt specialists are IAPDA-certified.

Beyond Finance is also accredited with the American Fair Credit Council (AFCC) — though Accredited Debt Relief is not. We noticed that Accredited Debt Relief advertises that it’s BBB-accredited on its website, even though it’s not. Beyond Finance is BBB-accredited, however.

Accredited Debt Relief reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews4.61 out of 5 stars, based on 160 customer reviews
BBB customer complaints19
Trustpilot score4.8 out of 5 stars, based on 3,354 customer reviews
Customer reviews verified as of20 October 2020

Accredited Debt Relief gets mostly positive customer reviews. But most are reviews from customers who have just signed up for debt relief services — not from people who have completed the program.

This speaks well for the quality of customer service. But reviews skew more negative if you look for customers who have been in the program for a period of time. Some report they defaulted on their loan. Others state that the company wasn’t upfront about how and when it deducted fees.

How does Accredited Debt Relief work?

Accredited Debt Relief works by negotiating down the balances of the credit accounts you enroll in exchange for a one-time payment. Here’s how the process generally breaks down.

  • Free consultation. A debt specialist helps you decide if debt settlement is the right choice for you. If you’re facing financial hardship but you can still afford to make payments toward settling a lower balance — they’ll help you enroll.
  • Monthly deposits. Start making deposits into a savings account each month toward debt settlement. Generally, you have to save up between 40% and 50% of each account before negotiations can begin. Usually this takes four to six months.
  • Negotiations. Once you have enough money saved up, Accredited Debt Relief reaches out to your creditors and begins negotiating down your account. Once it’s settled, it’ll deduct the settlement amount plus a fee from your savings account.

The whole process takes between 12 and 48 months, depending on how quickly you can save and how much debt you have. Usually, it takes between three and six months between each negotiation for customers to save enough for the next settlement.

How much does it cost?

Accredited Debt Relief charges a fixed fee of 15% to 25% of your enrolled debt at the time of settlement.

For example, if you enroll $10,000 of credit card debt with an APR of 16% in a two-year program, you could expect to owe $13,742.19 if no settlements are made during the program. You might have to pay around $2,061 to $3,436.

How much could I save with Accredited Debt Relief?

Debt settlement savings generally range from 20% to 30% of your enrolled debt, at the time of settlement and before taxes. The IRS treats most settled debt like taxable income unless you’re financially insolvent at the time of settlement. If you aren’t exempt, you could end up saving almost nothing, depending on your tax bracket.

Read our guide to debt relief to make sure debt settlement is the right choice and compare other options.

Compare debt relief companies

Use this table to see how Accredited Debt Relief stacks to other debt settlement companies in terms of costs and requirements.

1 - 3 of 3
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.

Frequently asked questions

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Accredited Debt Relief offers direct debt settlement services to customers struggling with large amounts of debt. Its fees are relatively standard compared to other debt relief providers. But it has programs as quick as 12 months, where other debt settlement companies usually start at 24 months.

That doesn’t mean you’ll be able to settle your debt that quickly. It all depends on how quickly you’re able to save money for the settlement. It also boasts slightly lower savings for customers than most debt relief companies. To save more, consider other options.

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    Default Gravatar
    July 4, 2017

    I earn $400 per month so how much can be deducted from my salary ,if I borrow a loan of $5000

      Avatarfinder Customer Care
      July 4, 2017

      Hi Winnet,

      Thanks for your question.

      Your monthly repayment depends on the loan term. Fo example, using the loan calculator on the lender’s page, you will have an estimated monthly repayment of $59 if you get the maximum loan term of 4.5 years. But this is just an estimate and may also vary depending on your state.

      You may want to directly get in touch with Accredited Debt Relief to get a free quote.


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