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Yes, American Debt Relief is a legitimate company founded in 2012 and based in Plano, Texas. They are accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). They hold an A+ rating from the Better Business Bureau (BBB) and have settled over $1 billion in debt for their clients.

The American Debt Relief program typically takes between 24 to 48 months to complete. The actual duration can vary depending on individual circumstances and the negotiation process with creditors.

Using a debt settlement program like American Debt Relief may negatively impact your credit score. During the program, missed payments and accounts in collections may be reported, affecting your creditworthiness.

No, American Debt Relief operates on a performance-based fee structure. Fees are only charged once a settlement is successfully negotiated and approved by the client.

When you stop paying your creditors, it is a given that your credit score will suffer greatly.