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What do Accredited Debt’s reviews state about your experience? In this article, we will compare BBB reviews, Trust Pilot Reviews, and Consumer Affairs reviews. We will also cover the fees and pros and cons of using Accredited Debt Relief.

Accredited Debt Relief is a registered DBA of Beyond Finance and has a wide range of debtor-friendly services aimed at helping to reduce their debt balance. This enables debtors to make a single sum payment that’s far lesser than the amount they originally owed. Even though experts believe that this isn’t the most ideal way to exact debt, it can be the best option for an individual avoiding bankruptcy. 

For an individual to use this option, then he/she has to cease debt repayments and save up some funds into a designated account. When the money saved is significant enough, in comparison to what’s owed, then the company now taking steps to guarantee debt is settled for an amount lower than what’s owed. 

The repayment time frame varies from one company to another. In the case of Accredited Debt Relief, it ranges from 1 to 2 years.  

How Much Does Accredited Debt Relief Cost?

At Ascend, we believe that debt settlement may be a good option, but it’s only in the context of understanding all of your options and understanding the cost of that option. This is exactly why we built a free debt relief cost comparison calculator so that you are MOST informed.

Fees required to pay to vary with the uniqueness of the debt and creditors involved. However, you may have to pay a 25% enrollment fee for your enrolled debt. Please note that 25-27% of enrolled debt is quite high. Accredited Debt Relief gives debtors the freedom to either make an upfront payment or not. Additionally, you’ll need to pay another fee when the company successfully negotiates a debt. 

Many companies charge between 15-25% of enrolled debt, but that range is huge, so I dug a bit deeper into Accredited Debt Relief’s cost. I found one TrustPilot review that mentioned at 27% fee. Please note that the calculator above can estimate the debt settlement fees for a provider that may charge in the 15-18% range, potentially slightly higher.

Here’s a link to the review.

Picture shows a review of Accredited mentioning a 27% fee.
Accredited Debt Relief reviewer mentioned a 27% fee.

Accredited Debt Relief Reviews Across Many Platforms

Providing a clear-cut review of a debt relief organization is quite tricky. This is because, on multiple occasions, users judge debt settlement organizations for not having the capacity to solve matters outside their purview. 

However, we plan to make this a reality by averaging the reviews and ratings gotten by the organization–this probably is the most balanced approach possible. 

Below are some reviews about the company from some noteworthy platforms:


The debt relief company has a total of 3,989 reviews on Trustpilot. These reviews have earned it an average rating of 4.8–a rating that shows the company’s efficacy. Consumers hailed the knowledge of the company’s professionals, and how they encourage debtors. Another reviewer that has benefited from them says that the company has significantly reduced a significant amount of money. However, it also has some bad reviews on this platform. One such is from a particular Tim based in California. He felt that the settlement company gives out a loan to settle a debt. Tim believes that Accredited Debt Relief should be clearer about its offerings. 

Consumer Affairs 

Accredited Debt Relief has an average rating score of 4.9. This is out of 36 reviews it has reviewed from verified buyers on Consumer Affairs. One of its five-star reviews is featured on the company’s website. On this, the reviewer said he’s just like most Americans that is neck-deep in debt and couldn’t make payments. As such he searched for debt consolidation and couldn’t get any. However, on approaching Accredited Debt Relief, the company’s representative expressed hope. 

What most recruiters commended about the company is its customer relationship. They say their representatives made them feel at home. The company’s representatives explain the nitty-gritty of the process. They also do their best to convince consumers about how they fit into the process. 


Accredited Debt Relief has an overall rating of 4.73 on BBB. At the same time, it has gotten a total of 249 customer reviews which they’re mostly great. Just like on Consumer Affairs, most good reviews it got on BBB are on the premise that its representatives are courteous. 

The representatives of the company seem to always explain how the company resolves debts. Consumers here also explain that the details of its agreement are easy to understand. This is so, even when there’s a lack of a legal representative. 

Accredited Debt Relief Pros and Cons

Ruminating the possibility of applying for one of the company’s numerous debt settlement plans? If yes, then you should first know its advantages and disadvantages before taking the important step. 

Here is a list of the pros: 


Let’s discuss some good aspects of applying for an Accredited Debt Relief service. Here are the pros of accredited debt relief: 

  • Accredited debt relief has an ever available customer service 
  • Reviews from multiple sources suggest that agents are courteous and well-mannered in their approach. 
  • Users have a personalized view of the actions that occur on the platform

Let’s discuss further each point highlighted: 

1. Accredited Debt Relief has dedicated channels for inquiries

The organization’s service users have direct access to them. And what’s more? Customer representatives are available every day. On weekdays, the company can make inquiries and complaints within the hours of 5.00 in the morning to 9.00 PM Pacific Standard Time. 

Weekend communication with the company’s representatives is more restricted. This is as customer representatives can only be reached between 5.00 AM and 4.00 PM. Debtors with a desire to use the Accredited Debt Relief’s service may hold discussions with a representative here. Or 877-648-3188 for inquiry on the company’s offerings.

Alternatively, you may contact the organization by sending them an electronic mail at

2. Company Representatives address Customer’s Pain Points

Accredited Debt Relief has maintained a record of excellence in serving its customers well. And going by the multiple reviews above, it’s logical to know why this holds true. The company’s representatives are mostly hailed for taking the time to explain complex settlement deals. They’re also great at helping debtors find the most ideal custom plan. 

3. Users can manage their accounts from mobile or tablet 

Every consumer, upon enrollment, is given access to regularly view the status of negotiations from the client’s dashboard. One such helpful feature here is the ability to track debt progress. 


As with any other debt settlement company, Accredited Debt Relief is not without some disadvantages. Knowing these demerits can help you understand mistakes to avoid. Below are cons synonymous with accredited debt relief: 

  • It lowers the debtor’s credit score 
  • It is not open to debtors in all states

Let’s elucidate further these disadvantages 

1. It lowers the debtor’s credit score 

To use the company’s services, then you’ll have to stop making debt payments, and instead save money in an account stipulated by Accredited Debt Relief. While doing this, your credit score will be impacted as you’ve stopped meeting your financial obligation to creditors. This, more often than not, lowers credit scores. 

2. Debtors in certain states can’t use the service 

Accredited Debt Relief is not available for operation in certain states. This is largely due to the restrictive laws limiting the activities of debt settlement companies in those states. 

3. Debt Limit

Debtors indebted on an amount that’s less than $10,000 can’t access this service. 

4. There’s No Guarantee of a Successful Discharge 

Even if Accredited Debt Relief helps you negotiate for a debt sum reduction, there’s no guarantee that you’ll get it. The possibility of this worries most debtors, and this is rightly so, considering the fact that the FICO score of the debtors involved may be reduced, and what’s owed still remains the same. This is one of the most significant drawbacks of applying for any debt relief program. 


After reading the pros and cons points above, chances are high that you’re considering other alternatives. Some noteworthy alternatives to Accredited Debt Relief are: 

  • CuraDebt
  • Other Debt Relief Options 


This is a highly reliable debt settlement organization with a number of offerings that are guaranteed to leave users with a top-notch experience. Curadebt has been in existence for many years and has kept its effectiveness intact all through. It also has 4.8 rating based on 129 reviews.

One of the most impressive things about this organization is its fees. When we send folks to Curadebt, it often charges 15-18% of the enrolled debt, as opposed to other companies that charge 25%. You can use this link for a free debt valuation. 

As with other competitors, the debt negotiation duration often ranges from 24-and 48 months of use. That said, you may have to qualify for their program, and you can check qualification here.

Noteworthy Debt Relief Alternatives to Consider

Hiring a debt restructuring firm to handle your debt has its demerits. If after considering these demerits, then you’ll love to opt for an alternative, then do the following:

Should You Sign Up for Accredited Debt Relief?

Two of the biggest things I consider are cost and reviews/ratings. If Accredited Debt Relief is charging 27% of enrolled debt, you may be able to find the same (potentially better) service for a lower cost. Use the free debt relief cost and options calculator below though to compare options. It’s 100% free, and not even an email address is required.

Post Author: Ascend

Group of guest writers and industry experts who have specific expertise in Chapter 13 bankruptcy, Chapter 7 bankruptcy, debt relief, debt settlement, and debt payoff.

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