Debt Relief
Top Companies in 2024
Accredited Debt Relief vs CreditAssociates
Press [Add to Compare] to Edit, Add or Remove Vendors
- Negotiates significant debt reductions
- BBB-accredited with A+ rating
- Free consultation and no upfront fees
- Settles debt in as little as 24-48 months
- No upfront fees and free consultation
- Performance-based fees
- Money-back guarantee
- Certified by AFCC, AFCC, and IAPDA
- 24/7 online access
- Fees can be as high as 25% of total enrolled debt
- Only available in 34 states
- $10,000 minimum debt requirement
- No mobile app
- Services not available in all states
- Lack of clarity about requirements
- Must prove financial hardship to qualify for the program
- Limited debt relief options
Accredited Debt Relief is a California-based debt relief firm that offers debt settlement services and free consultations to new clients. They operate as Beyond Finance's DBA name, have many years of debt consolidation experience, and offer customized solutions and guidance. They provide transparent debt consolidation services tailored to clients' budgets with success-based fees. Their debt consolidation programs typically run for 24-48 months, though no specific outcome is guaranteed. However, Clients should remember that using a debt consolidation program may impact their credit score temporarily, among other consequences. Also, Accredited Debt Relief's services are only available in 34 states and DC. They have a positive reputation in the industry with several awards and accreditations, including the Five-Star Rating award from Best Company USA in 2022. They are accredited by BBB, AADR, AFCC, and are members of CDRI. Their online customer reviews are excellent.
Since its foundation in 2007 in Dallas, Texas, CreditAssociates has been serving debt-ridden Americans across 44 states to settle their balances by half. Their specialty is personalizing debt-relief solutions, starting with a free consultation followed by creditors' negotiations and debt settlement, all while charging no upfront fees and utilizing a performance-based fee structure. Their efficient debt settlement process typically spans 24 to 36 months, faster than industry norms, underscored by accreditation from the American Fair Credit Council (AFCC), certification from the International Association of Professional Debt Arbitrators (IAPDA), and an A+ rating from the Better Business Bureau (BBB). Explore this CreditAssociates’ review and discover whether they can help you navigate your financial hardship!
- 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
- Credit Score Impact : Program may lower score temporarily
- Average Net Savings : Up to 50%
- BBB Rating : A+
- Fees : 22-25% of total enrolled debt
- Timeframe : 24 to 36 months
- Money-Back Guarantee : "True"
- Trustpilot Score : 4.9 out of 5
- Customer Experience : Good
- 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
- Apple and Android mobile app
- Lower-than-average debt settlement time
- Relatively low minimum debt requirement
- High promised discount rate
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation
- Debt Counseling
- Debt Management Plans
- Debt Settlement
- Loan Refinancing—Undisclosed
- Bankruptcy Counseling
- Consolidation Loans
- Credit Card Debt Relief
- Credit Counseling
- Debt Consolidation—Undisclosed
- Debt Counseling
- Debt Management Plans—Undisclosed
- Debt Settlement
- Loan Refinancing
- Collection Accounts—Undisclosed
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans—Undisclosed
- Professional Bills—Undisclosed
- Secured Debts
- Collection Accounts
- Credit Card Debt
- Medical Bills
- Personal Loans
- Private Student Loans
- Professional Bills—Undisclosed
- Secured Debts
- Cash—Undisclosed
- Escrow/Savings Bank Account
- Major Credit Cards—Undisclosed
- Cash
- Escrow/Savings Bank Account
- Major Credit Cards
- In Office
- Live Chat
- Mobile Application
- Phone
- Ticket
- In Office
- Live Chat—Undisclosed
- Mobile Application—Undisclosed
- Phone
- Ticket
Accredited Debt Relief vs. CreditAssociates
When exploring debt relief options, Accredited Debt Relief (ADR) and CreditAssociates emerge as two reputable providers catering to individuals struggling with unsecured debts. While both companies aim to assist clients in regaining financial stability, their approaches, services, and fees differ significantly, making it important to understand their unique offerings.
Minimum debt requirements
Accredited Debt Relief requires a minimum of $10,000 in unsecured debt, including credit card balances, medical bills, and personal loans, to qualify for their debt relief programs. This higher threshold positions them as a choice for individuals facing more substantial financial challenges.
CreditAssociates, on the other hand, sets a lower entry point, requiring only $7,500 in unsecured debt to enroll in their debt settlement services. This lower requirement may appeal to clients with moderate debt levels but still need assistance in managing their financial obligations.
Services and fees
Accredited Debt Relief offers various services, including debt settlement and consolidation. Their debt settlement program focuses on negotiating with creditors to reduce debt. Consolidation options, such as personal loans, are also available to combine multiple debts into one manageable payment. ADR’s fees typically range from 15% to 25% of the total enrolled debt, consistent with industry standards, and their programs often last 24 to 48 months.
CreditAssociates, meanwhile, specializes in debt settlement as their primary service. They negotiate with creditors to reduce clients' debt balances, typically achieving settlements within 24 to 36 months, slightly shorter than ADR’s average program length. CreditAssociates employs a performance-based fee structure, charging 22% to 25% of the settled debt amount. They do not charge upfront fees, aligning with industry norms. Additionally, they provide tools like the DebtApp to help clients track progress and manage their accounts conveniently.
Customer service and availability
Accredited Debt Relief emphasizes accessibility, offering customer support seven days a week via phone and live chat. Their services are available in 34 states and Washington, D.C., limiting access for clients in excluded regions. Reviews for ADR frequently highlight their knowledgeable representatives, but some clients report concerns about aggressive sales tactics.
CreditAssociates operates in 44 states and Washington, D.C., providing broader availability. They offer a free consultation to assess financial hardship and customize a debt settlement plan. Their strong reputation is underscored by an A+ rating from the Better Business Bureau (BBB) and certifications from the American Fair Credit Council (AFCC) and other organizations. However, their requirement to repeatedly prove financial hardship may feel burdensome to some clients.
Overall comparison
Accredited Debt Relief offers a more diverse suite of services, making them a suitable choice for clients seeking flexible solutions, including debt consolidation options. However, their higher debt threshold and limited state availability may restrict access for some. CreditAssociates’ focus on debt settlement, shorter program durations, and wider availability make them a viable option for those looking for straightforward debt relief.
Save Big on Debt Relief
Fill out a quick form to claim special offers on Debt Relief
