Accredited Debt Relief Review: This Company Negotiates People’s Debt in Half

A person frees himself from a ball and chain that's meant to represent debt.
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For people who are drowning in credit card debt and dodging phone calls from creditors, it’s easy to feel trapped. Helpless.

The truth is, many Americans are in the same predicament. But there are ways out, including debt relief.

Take Kerry Smith, for instance. He was a Green Beret who did four combat tours in Iraq and four more in Afghanistan. He fought terrorists and insurgents, dodged grenades and roadside bombs.

After he retired from the Army due to combat wounds, Smith, now 42, tried his hand at real estate. But he got overwhelmed with $84,000 worth of debt from deals that went south.

Looking for help, he found a debt relief company called Accredited Debt Relief. He was wary of scams and ripoffs, but he decided to give it a try because of its A-plus rating from the Better Business Bureau.

In this Accredited Debt Relief review, you’ll find out how this company works and why this retired vet has been floored by how much of a difference it’s making.

So, What Is Accredited Debt Relief?

Accredited Debt Relief creates custom debt consolidation plans for people who have serious debt and have trouble making payments. The company works with each client to create a personalized repayment plan.

While Accredited Debt Relief can help consolidate your debt into a single monthly payment, their debt relief services don’t require a good credit score or personal loans.

If you have at least $10,000 in unsecured debt, meaning there’s nothing your lenders can repossess, such as a car, this debt relief company can help. You can get help paying off payday loans, credit card debt, medical bills, personal loans and other unsecured loans  — student loans are excluded.

The only other requirement for Accredited Debt Relief’s debt consolidation program is a stable source of income. You’ll need to consistently make your monthly payments in order to qualify for their debt relief options.

If you meet the basic requirements, you could notice your credit score start to rise after you start making consistent payments through Accredited Debt Relief.

How Does It Work?

Everyone’s debt is unique, and paying it off involves a lot of strategy.

An Accredited Debt Relief debt specialist reviews each person’s individual situation — the initial consultation is free — and figures out the best path out of debt, whether that’s a debt settlement or one of their debt-relief programs.

They’ll explain all the options and spell out a strategy for lowering your payments and maximizing savings.

This debt-relief program is all about setting people up for future success. That’s why it’ll have you open a savings account in your name that you’ll control. That’s where you’ll send monthly deposits that’ll go toward paying off your debts.

You’ll also need to stop using credit cards or drawing on that line of credit. This will help the debt relief program negotiators build your case.

Then, the negotiators will work with the creditors to secure a settlement, a lump sum that’s less than the owed amount. That’s how they save people money. Once you approve the deal, you’ll pay the settlement out of your savings account.

Pros and Cons of Accredited Debt Relief’s Service

There’s a lot to like about Accredited Debt Relief’s service, but why should you go with them instead of one of the other debt relief companies? Check out the pros and cons of this service, compared to other debt relief companies, to see why you should pick their pathway out of serious debt:


  • They work with a wide variety of unsecured debt: medical bills, payday loans, debts owed to credit card companies and much more.
  • Accredited Debt Relief’s clients get out of debt in 46 months on average.
  • They offer free consultations on debt relief.
  • They have an A+ rating from the Better Business Bureau and are accredited by the American Fair Credit Council.
  • Debt settlement with Accredited Debt Relief may be as low as 50% of what you originally owed.


  • Secured debts and student loans aren’t eligible for Accredited Debt Relief’s program.
  • You’ll need to owe at least $10,000 in order to qualify for debt relief.
  • It’s not available in every state.
  • Not everyone qualifies for a debt settlement.

Frequently Asked Questions

Is this a debt-settlement program?

Yes, Accredited Debt Relief’s certified debt specialists will work with your creditors to negotiate a lower amount on the debt you owe.

What if a creditor won’t work with Accredited Debt Relief?

Your monthly payments won’t go to any creditor that declines to work with you on debt settlement. Many other debt-relief companies ask for payment before an agreement is reached.

How much will a debt-relief program cost me?

Fees range from 15% to 25% of the debt you owe. Accredited Debt Relief won’t charge you until after you’ve been enrolled in the debt settlement program and your creditors have come to terms.

How This Green Beret is Saving $700 a Month on His Debts

When Smith retired from the U.S. Army after 21 years, he was ready to try something different, so the married father of three got into real estate investing.

He bought and started remodeling a duplex in Olympia, Washington. To save money, he tried doing it himself with a home renovation loan, but he still ended up owing tens of thousands of dollars to his Home Depot and Lowe’s credit cards.

Then his dad got sick, and the family moved to North Carolina to take care of him full-time.

“I started missing payments, and then it was a massive snowball,” he says. “It was just a maelstrom of different things in my life.”

In retrospect, he would have done things differently. But hindsight is 20/20.

“That’s how I got into this spot,” he says. “It wasn’t that we were out buying Gucci or designer threads or anything like that. I was just trying to do right by my family.”

By the time he reached out to Accredited Debt Relief in late 2019, he was $81,000 in the hole.

Accredited Debt Relief is working with him on a debt-settlement plan and has been negotiating his credit card balances down by 50%.

“They’ve been able to negotiate these accounts that were $15,000 or $20,000 down in half, and that’s just something that I can’t do on my own,” Smith says.

The company charges for its services. For debt settlement, it typically charges 18% to 25% of the total debt, which is standard in the industry.

Still, it’s worth it for Smith and his family and is a huge relief. He’s making his monthly debt payments to Accredited Debt Relief instead of his creditors, which leaves him more money to take care of his family.

“I give them $960 a month, which is $700 less than I was paying before,” he says. “We haven’t been getting any more phone calls from creditors — which is nice.”

Getting Started With a Free Consultation

Accredited Debt Relief generally works with people who owe more than $10,000. The idea is to help people out of debt without declaring bankruptcy.

How long this process takes varies, but the average person enrolled in the program is debt-free within two to four years.

Accredited Debt Relief’s reviews are overwhelmingly positive, and the numbers don’t lie — this company has a track record of getting people out of serious debt in just a few years.

If you or someone you know is in serious debt, Accredited Debt Relief deserves serious consideration. If you qualify, it can help turn finances around and help you reclaim your life from debt.

Like what you learned in this Accredited Debt Relief review? It takes less than a minute to sign up for a free initial consultation.

Accredited Debt Relief doesn’t directly service the following states: CT, DE, GA, HI, IL, KS, ME, ND, NH, NJ, OR, OH, RI, SC, VT, WA, WV and WY.