I was contacted by this company after applying for a loan with a company called credible. I spoke to a David who seemed knowledgeable and professional but he stated the words debt Consolidation and debt relief was interchangeable. And both words are very different. Consolidation is a actual loan and debt relief is lowering interest rates. read more

You gave me false promises. You didn't lower my debt. It went thousands of dollars higher. Now I have even more to worry about on top of my ongoing situation with my wife having five strokes and dealing with medicaid taking every penny. You've made my situation worse. read more

2 months in . Some positive developments but the jury is out. I was reluctant to try this and it makes me uncomfortable to ignore past due notices but the system makes sense so I'm willing to ride it out for at least 6 months. I'll check back in then read more

Very deceiving and manipulative program in terms of my interactions with their professionals so far. Big red flag. Avoid at all costs. Their Google reviews look very fake to me. read more

Accredited Debt Relief - Debt Relief Services Near Me - San Diego, California

This is a great place to help you with your debt relief I actually checked them out due to My credit I was paying my credit cards but it Didn't seem like it was decreasing Due the high interest rate I was in debt $10,000 So I combined my credit cards it will Be paid off by 2027 Plus they lowered my amount I Actually owed on them !! Thank goodness I got them Now all I have is one card ! It was totally worth it in the end Would recommend them if your In debt ! read more

ADR IS TRULY HEAVEN SENT! I started my program about 3 years ago. I have about a year left and it has been nothing but a breath of fresh air! Not only giving me peace of mind, but they have given me FULL control over my life again. They have been very helpful and considerate over the past few years. THANKS ADR! read more

I wouldn't if I were you! I started to fill out my information and got as far as my phone number. At the address field information, I stopped and opened another tab to do a search for reviews on this company. I never finished or submiited my information. Literally 60 seconds later, I receved THREE phone calls from Accredited, within 90 seconds! I blocked each call but they immediately called from a new number. They had captured my information before I ever submitted it and started harrassing me immediately. Just goes to show, be very careful when entering information on the internet. You don't have to submit it for someone to capture what you entered. As I said, I would not contact these people ever, in any way. read more

Joan from Accredited Debt Relief was very helpful and worked through all the requirements and walked me through the process and legal paperwork. What was very good about her work was she listened and asked questions of where and how things were structured debt wise. It is a very stressful situation and her "good" bedside manner for a very sensitive topic was superb. I have started the process, and I know this won't be easy nor fun, but if she keeps the same level of communication, and I maintain my agreements I see a way out of a hellscape of financial hell. read more

Leslie Gilmore and her team helped me through the process. Made me feel comfortable throughout the process.

Shawna R and Molly S are two of the most patient people in the world l was trying for weeks to find a co. that wouldn't confuse me nor put pressure and because of Shawna's demeanor I have finally signed up with them . Thank you again Shawna and Molly. read more

This is a program for the person that doesn't mind breaking the rules and saying f the system. I, personally, could not handle it. From the moment I signed on the dotted line I had a pit in my stomach and felt anxiety nonstop. I will say, the representative I spoke with was extremely kind and encouraging, and also reassuring - that this was "the perfect" solution to my debt and 5 lines of credit. She may have been right, but it all felt so wrong. I absolutely could not deal with the ignoring of my creditors, and the fear of being served. Every time I brought that up she said "but you're paying for platinum protection so just send them our way, we'll go to court for you" sure - but what are the repercussions of that in addition to my credit tanking. After a week and a half in of AMEX stalking me and SoFi stalking me... they eventually offered me separate financial plans that I could negotiate on my own. AMEX went down to under 10% interest for a year and waived a lot of fees. I decided to cancel my program with "Beyond" which is the escrow service to take your monthly payment and pay your debtors (because Accredited is just the enrollment company) - cancelling was easy because no moves had been made to my creditors yet. If you can avoid it, avoid it. If you are out of options and have the constitution to be stalked incessantly and possibly served and not worry about a good credit score for the next 5 years - then go for it. I decided I'd rather live a debt-full carefree existence than a debt-full worry-full existence. Especially if I can negotiate with these creditors myself. Keep that in mind. read more

DO NOT fall for this FOR PROFIT "debt consolidation" company! I almost did but thankful I didn't! So I am no stranger to debt consolidation fortunately and unfortunately. I have done debt consolidation with NON-profit debt consolidation companies with much success. There were some red flags for sure with Accredited Debt Relief that I seemed to ignore at first when I initially signed up for their debt relief program. This is how the program works: They go over everything with your finances of what you owe, own and what your income in. Seems pretty standard there, sure. But it gets interesting, as you decided to go with their low bi-monthly payment and see some numbers of what they could "save you" which looked like fudged numbers to me when I think back to what I was presented with. They give you a set of instructions of what to do when you're starting out with the program. They tell you to STOP making payments to all of your creditors ASAP, yes to STOP paying creditors to purposely put your accounts in the past due status and into collections. The reasoning behind this they said is so that they can say, "Hey, this client cannot pay you anymore" and prove it by stopping all payments all together. In that period of time which is what they said would be anywhere from 3-6 months of non-payment we'd be paying into an account bi-monthly building money for Accredited Debt Relief to have an amount to negotiate with their alleged "good relationship" with creditors. What they do not tell you is that they won't be making any payments on your behalf for 2-3 YEARS! Yes, YEARS not months! The rep went over each page on the DocuSign with me and there was one page stating that legal action could be taken against me during the non-payment period from the creditors. I would be at risk for being sued, served legal documents and a lot of harassing phone calls for my delinquent accounts. The rep nonchalantly, "Oh, this RARELY happens and if it does, we have a whole legal team and will be there for you." Red flag. I didn't feel too good about this at all. I had a sinking pit feeling in my stomach that told me that this was NOT a good idea. He also told me that if I wanted out of the program at anytime that I have that right. He further explained that my credit score would suffer initially during the non-payment phase but assured me that I'd come out on the other side of it with a better credit score. I also got HORRIBLE advice to put all of my 0% promotional no interest credit cards on the program. All of that couldn't be more further from the truth. I woke up the next day still feeling uneasy about signing up with Accredited Debt Relief. I happened to go to the dentist that day and struck up a conversation with the dental assistant about my debt consolidation plan. She pulled me aside and told me to not do it because she got caught in that huge mess and her credit score never recovered. She endured servers serving her legal papers at her work, harassing phone calls and was living a very stressful life because of the non-payment route that National Debt Relief (another for profit company) persuaded her to do. I told her that I did a consolidation program with a NON-profit debt consolidation company prior and had a good experience. She really stressed for me to call them up again if I worked with them prior instead of Accredited Debt Relief. I quickly called American Consumer Credit Counseling that is a NON-profit organization and has been around since 1991. The consultant at American Consumer Credit Counseling said to me, "I get clients calling me all the time that are facing scary legal action against them from using these kinds of debt consolidation companies because they were told to not pay their creditors. We do not encourage our clients to do that. We want our clients to preserve their credit scores instead of hurting it further by deliberately going into collections and the past due status. We highly recommend that you keep making payments until we can step in and take over the payments so that your accounts are ALWAYS in good standing." I ended up going with them and they are more of a legit company. SAVE yourself and DO NOT go with this for profit company. I highly DO NOT recommend them for debt consolidation. You'll be glad you didn't, like me. read more

I just got start on debt relief ,but talking to the staff they explained things in a way you will understand,,I feel a relief just knowing they are here to help me ,,and I would definitely recommend if you need help this somebody you should be talking to. read more

[Update] I ended up with paying MORE than the original debt even though they affirmed "We have a policy that the total payment shall not be greater than the original debt". What kind of 'debt relief program' it is? By all means avoid this borderline scheme, and negotiate with creditors by yourself. read more

I was told by the lady on the phone that it was risk free because if I wasn't happy I would be refunded everything but apparently not!!!They paired me with five lakes law to supposedly help cancel my debt and they are shit heads who didn't help my debt but made it worse! SCAMMERS!! Don't use them!! They charge a 27% fee on settlements and they don't tell you that when they sign you up! Don't TRUST THEM! Not worth it, I was told that if I closed my account that I would get everything refunded at anytime, no questions asked but then I closed my account today and they told me they are keeping $600 dollars!!! THESE PEOPLE ARE AHOTTY SCAMMERS!!! read more

Tasha Gilbert was so understanding and really took the time to explain the process i'll be going through to become debt free. I have spoken with other debt negotiation companies and after speaking with them felt a sense of relief until reflecting on our conversation and not feeling totally comfortable moving forward. This was not the case with Accredited Debt Relief. With their experience and guidance and thorough explanation of how the program works, i feel confident in relying on them to square away my credit card debt. Their app even shows which accounts they expect to resolve first and how much money I need in my dedicated account to reach said settlement. I will be sure to update my review in the months to come. :) read more

horrible service. baited you in with a great loan consolidation loan and the the Rep Calls and pushes debt settlement instead. I can go on and on about how bad the conversation went. stay away from them unless you want to feel used read more

Outstanding customer service. SIGNIFICANT savings every month. Can't say enough about how cared for I have been with this company.

I am so relieved ti find Accredited! After talking to the rep and him giving me a through break down how the program works was a big relief to me and fir me. Because I was overwhelmed with these credit card billS. Now I have a low affordable payment biweekly that I can afford. I am so happy and stress relieved from High interest rates, monthly fees . Thank you Accredited read more

Jason was the BEST person to walk me through the process. He was very patient, kind, and thorough. I felt at ease so much more after he and I were finished with the process. Every question I had, he made sure to answer it or reword so I knew what to expect. On top of being fantastic at his job, we had casual conversation through out to break up the seriousness. I am grateful for the time he spent to work with me! read more

This company utilizes Spam and Junk email lists with subject lines of "We have been trying to reach you - Please respond" Stop using spam email services please. read more

Accredited Debt Relief - The emails they send out have completely FALSE subject lines to try and take advantage of people. - Debt Relief Services Near Me - San Diego, California

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Do NOT recommend. I didnt realize I was not going to get an actual loan but the ole bait and switch. Ive heard about companies like this who, if you're not paying attention, dont pay your credit debt but let it go in the red and AFFECT your credit score very badly. You pay them the monthly "fee" or whatever theyre calling it and eventually they try to negotiate with your creditors for less. This is not even guaranteed they can do THAT. So your credit gets TRASHED for many years, you pay this con company (there they make the profit) and you're left with more debt and ruined score. Now I know I'll be getting spam phone calls and emails for eternity! Wish we could sue them to have them stop with this predatory lending and stop the spam bullshit. DONT DO IT read more

I just spoke to these guys. They do not negotiate with any of your creditors directly. The reason why the payment amount is made from the beginning without even speaking to you is because they use a pre set window of profit that they split with your creditors. We deserve companies that will at least look at the individual circumstances and not simply put your credit through an algorithm. I made an inquiry in Oklahoma, was called by someone in California and was told- take it or leave it after he tried to fear monger me. We know what happens when we don't pay our debts. We know the best an worst case scenarios. Its bad taste to grab someone who is beginning their debt relief process and tell them the boogy man is going to take their house. 1 star. Any program can do what these guys do which is the bare minimum and the rep agreed it goes into an algorithm. -The most they can get you to pay -while still calling it " savings". This particular program is not special at all. I recommend shopping around. read more

So far, so good, but I need to see some of the results. The Rep. Charlene helped out a lot setting everything up.

You will have won the prize if you work with Crystal! She is very knowledgeable, and anticipates your questions before you can ask. She does talk fast, and you have to go back for clarification - don't skip over items if you are not clear on the meaning or process. I hope the program lives up to my expectations! read more

I called this company, like other people said sounds really good to be true. The agent traid to get my bank account before show the disclosures. Didn't give me the options to see in writting what are they were saying. I felt unsecure about this business. read more

So I have been trying to find a good debt consolidation program, and Accredited was ranked very highly by Forbes of all organizations, so I thought I would look into it. Went to the website, entered my information to "see what my rate would be", and no less than 5 seconds after I hit submit, my phone rings and it is from Accredited. Ok...I have heard of being on your game, but to call THAT fast, that just screams "RED FLAG!!!!", But then when I got FIVE calls in less than 20 minutes...yeah, not even going near this company now. If you have to badger someone just looking for information like this....then I want no part of anything you have to offer. read more

This was not a good experience at all. The agent that was selling to me was nice on the phone during the time that they were trying to pitch to me. I told him that I needed some time to think about whether or not I would be doing the program or not. Due to some unexpected family issues, I was not able to get back to them. However, I have been receiving 5 on more phone calls daily from this company. One time, the agent called me 3 times back to back, which at this point I will consider harassment. If they don't stop, I will continue to write bad reviews on every forum. read more

There is no complete transparency, agent didn't discuss options for getting out of debt. Did not discuss the possibility of being sued by credit card companies, did not discuss how different options can affect credit score. I had a gut feeling that is was too good to be true. So I did further research and realized I was right, fortunately I had not committed to anything with this company. Also they call every day at all times of the day, is very annoying! read more

very bad people contacted me, I didn't contact them, they won't tell me how they got my number, they said I have credit card debt which I don't. beware of these scammers read more

If you want your credit score completely ruined, creditors suing and harassing you and then getting hit with a huge surprise IRS bill at end of the year, then you should sign up with them. Otherwise withdraw funds out of your bank, quit paying your credit cards and when collectors call, tell them you're broke and can't pay the bill unless they lower the balance. You'll accomplish the same result and save yourself 5 thousand. You're welcome. read more

Very bad advice. They led us astray into a debt consolidation program. After this DCP took money from us for a year, they broke their promises and basically betrayed us. We ended up paying about 14,000 to pay off a 9,000 dollar debt and then said they could no longer help us! Make sure you ask LOTS of questions before getting involved with this company or their advice! read more

Very easy and I am almost done with two accounts and have one more to go and I will be debt free. Best decision I ever made

I received an email; unsolicited, as spam. I just think that when dealing with money a company should be honest. Let me explain, first the email had in its subject line the claim that my credit card had arrived! Obviously that was not true! Then they switched to offering a loan. This company has different addresses, so who knows where they really are! I live in town so I will probably drive over and ask a few questions since the phone number proved didn't work either! read more

The company provided great information on how I could lower my debts and control my finances. I was struggling with paying off loans and had no idea how I was going to pay everything off. That was until I found this company and was able to negotiate a payment plan that I was actually able to pay. Thank you Accredited! read more

They charge 25% of your total debt before it's negotiated! So to be clear, if you owed $10,000 on a credit card and they negotiated the debt down to $5000 they add on $2500 for their fee. No company can charge the fee until it's negotiated, so don't fall for their no fee up front as if they are more ethical than other companies. There are other companies that only charge 10 to 15% so shop around. Also, you can call your debtors and negotiate the payoff yourself, it's not hard. The power these debt negotiation companies use is they have you stop paying your bills but pay them in a escrow account. Also, they are just an affiliate of freedom debt consolidation, who actually does all the negotiations and they are under investigation and being sued for charging the 25% on debtors that won't work with them, so they have you negotiate. That's against their contract. If you do that, pay the debtor directly, don't do the negotiating then send the money to the accredited or freedom or any other debt relief company that's how they were getting away with charging the 25% when you did the work! Hope this helps read more

I have been receiving at least 2 emails daily from this company. I have "opted out" on numerous occasions to no avail. I am not interested in their service; however, if I was I would not consider them because their advertising practices appear too desperate. read more

They send unsolicited emails and claim I signed up for them. Never happened. Have unsubscribed repeatedly, and yet they persist. I have no need for this company, requested no information, and have zero idea how I ended up trapped in their email chain. Awful spam practices. Ironic- because when you visit their homepage for help to get out of their email list, they promise that they abhor spam. read more

I signed up with this company to get some help with my debt. They paired me with Century Support Services. Looked them up, Century Support Service in N. Huntington PA, used to be called Century Negotiations INC. They had so many complaints and law suits they changed their name to Century Support Services. They have a F rating, everything about them is bad. Ill be canceling this contract, this makes me want to puke. Trusted you guys, and the company you sign me up with had to change their name. read more