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Accredited Debt Relief vs InCharge Debt Solutions

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Pros
  • Negotiates significant debt reductions
  • BBB-accredited with A+ rating
  • Free consultation and no upfront fees
  • Settles debt in as little as 24-48 months
Pros
  • Free credit counseling with certified credit counselors
  • Free educational materials on the website on a wide scope of financial topics
  • No minimum credit amount required
  • Online client portal that lets customers track their repayments and payoff process progress
  • Responsive and excellent customer support
  • Has a BBB A+ rating and a membership with the Natural Foundation for Credit Counseling (NFCC)
Cons
  • Fees can be as high as 25% of total enrolled debt
  • Only available in 34 states
  • $10,000 minimum debt requirement
  • No mobile app
Cons
  • No money-back guarantee
  • The website doesn't state transparent criteria and requirements
Quick Stats
  • Credit Score Impact : Program may lower score temporarily
  • Average Net Savings : Up to 45-50% of debt, before fees
  • BBB Rating : A+
  • Fees : 15% - 25% of total enrolled debt
  • Timeframe : 24-48 months
  • Trustpilot Score : 4.8 out of 5
  • Customer Experience : Excellent
Quick Stats
  • Credit Score Impact : False
  • Average Net Savings : 30%-50%
  • BBB Rating : A+
  • Fees : Average of $33 per month, plus the setup fees
  • Timeframe : 3-5 years
Selling Points
  • No upfront fees and no obligation
  • Free consultation and savings estimate
  • Get out of debt without bankruptcy
  • Company website offers substantial information on debt settlement
Selling Points
  • Free credit counseling with certified credit counselors
  • Free educational materials on the website on a wide scope of financial topics
  • Online client portal that lets customers track their repayments and payoff process progress
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Undisclosed
    Loan Refinancing
Services Offered
  • Undisclosed
    Bankruptcy Counseling
  • Undisclosed
    Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Undisclosed
    Loan Refinancing
Types of Debt Covered
  • Undisclosed
    Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Undisclosed
    Private Student Loans
  • Undisclosed
    Professional Bills
  • Secured Debts
Types of Debt Covered
  • Undisclosed
    Collection Accounts
  • Undisclosed
    Credit Card Debt
  • Undisclosed
    Medical Bills
  • Undisclosed
    Personal Loans
  • Undisclosed
    Private Student Loans
  • Undisclosed
    Professional Bills
  • Undisclosed
    Secured Debts
Payment Options
  • Undisclosed
    Cash
  • Escrow/Savings Bank Account
Payment Options
  • Undisclosed
    Cash
  • Escrow/Savings Bank Account
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Ticket
Customer Support
  • Email
  • Undisclosed
    In Office
  • Undisclosed
    Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket

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