Accredited Debt Relief
Best for SpeedBest for Fast Debt Resolution
6,751 verified reviews
What is ACDR Membership?
The American Association for Consumer Debt Relief (ACDR) is a trade association representing companies in the debt relief industry. Membership indicates a company participates in the association and agrees to follow its standards and code of conduct. Membership alone is not a guarantee of performance or outcomes — ReliefGuardian evaluates many additional factors when reviewing providers.
Quick Facts
Founded
2011
Headquarters
San Diego, CA
BBB Rating
A+
States Served
All 50 states
Min. Debt
$10,000
Max. Debt
No maximum
Program Length
12–36 months
Fee Range
15–25%% of enrolled debt
Overview
Accredited Debt Relief has built a reputation for faster-than-average program completion times. Founded in 2011 and based in San Diego, they work with a network of partner law firms to provide legal backing during the settlement process. This gives clients additional protection if creditors escalate to legal action. They are particularly strong for credit card debt and have an excellent track record with major issuers like Chase, Bank of America, and Capital One.
How It Works
After enrollment, clients work with a certified debt specialist to build a program customized to their budget. A network of experienced negotiators (including attorneys in some cases) contacts creditors on the client's behalf. Accredited is known for negotiating faster settlements, with some clients resolving their first account within 6 months of enrollment.
Our Rating Breakdown
Pros & Cons
Pros
- Faster program completion than industry average
- Partner attorney network for legal protection during the program
- Available in all 50 states
- Strong results with major credit card issuers
- Personalized program design based on your budget
Cons
- Higher minimum debt requirement ($10,000) than some competitors
- Fewer self-service digital tools than larger platforms
Who Is It Best For?
✅ Best For
- Consumers wanting faster resolution
- Credit card debt specifically
- Those concerned about potential creditor lawsuits
- Mid-range debt ($10,000–$50,000)
❌ Not Ideal For
- Debt below $10,000
- Those who need full digital self-service
Eligible Debt Types
Requirements to Qualify
- Minimum $10,000 in unsecured debt
- Experiencing financial hardship
- Resident of a supported state
Customer Reviews
Amanda C. — Denver, CO · January 2026
"I was shocked how fast they moved. My Capital One card was settled within 5 months of enrollment. Total program took about 26 months for all four accounts."
Debt Enrolled
$24,300
Amount Saved
$11,700
Tony M. — Boston, MA · February 2026
"One of my creditors threatened to sue. Accredited's partner attorney sent them a letter and the lawsuit threat went away. That legal coverage is worth it alone."
Debt Enrolled
$31,000
Amount Saved
$14,900
Karen J. — Minneapolis, MN · April 2026
"The settlements were great — I saved over 45%. My only gripe is I sometimes had to follow up to get status updates. Results-wise though, I can't complain."
Debt Enrolled
$17,200
Amount Saved
$8,200
Why We Recommend Accredited Debt Relief
ReliefGuardian's Take: Accredited Debt Relief stands out for speed and legal protection. If you want your debt resolved quickly and want attorney-backed negotiation, Accredited is a smart choice.
Last verified: January 2026 · ReliefGuardian evaluates providers independently based on fees, accreditation, customer service, and settlement outcomes.
Our Verdict
Accredited Debt Relief stands out for speed and legal protection. If you want your debt resolved quickly and want attorney-backed negotiation, Accredited is a smart choice.
Think Accredited Debt Relief Might Be Right for You?
Check your eligibility with a free, no-obligation consultation.
Average savings for clients
Up to 48%
Free consultation · No obligation
No upfront fees · 100% confidential