National Debt Relief vs. Accredited Debt Relief: Compare Services, Fees, and More

If you have more debt than you can handle, debt relief companies like National Debt Relief and Accredited Debt Relief can be appealing. They could help you eliminate your balances at a lower cost through debt settlement or debt consolidation, and they're both reputable options that were included in our list of the 澳洲幸运5官方开奖结果体彩网:best debt relief companies.

National Debt Relief and Accredited Debt Relief are alike in many ways, but there are important differences in fees and availability. We recommend National Debt Relief, but it's worth understanding what makes it attractive so you can make an informed choice.

National Debt Relief an🎀d Accredited Debt Relief are highly rated, well-known companies, and if you’re interested in debt settlement, you may end up trying to decide between them. We researched 40 debt relief companies and compared them based on features that matter mܫost to potential clients, like fees, services, availability, and reputation. We’ll discuss these and other considerations to help you decide which is right for you.

At a Glance
	National Debt Relief	Accredited Debt Relief
State Availability	47	29
Services Offered	Debt settlement, debt consolidation loans	Debt settlement, debt consolidation loans
Types of Debt	Credit cards, medical bills, personal loans, lines of credit, payday loans, business debt, private student loans	Credit cards, medical bills, personal loans, lines of credit, private student loans
Debt Settlement Fee	Up to 25% of enrolled debt	25% of enrolled debt
Minimum Debt Required	$10,000	$10,000
Maximum Debt Allowed	No maximum	No maximum
Accreditations	AADR, IAPDA, BBB	AADR, IAPDA, CDRI, BBB
Year Founded	2009	2011
Phone Number	(800) 300-9550	(800) 282-7186

National Debt Relief

Services: Debt settlement, debt consolidation loans
Debt Settlement Fee: Up to 25% of enrolled debt
Minimum Debt Required: $10,000

澳洲幸运5官方开奖结果体彩网:Learn More

Pros & Cons

Pros

Customer support available 7 days a week
Good customer ratings
Offers help with many types of debt, 🧸including business💟 and private student loans

Cons

History of litigation
Not available i𓆏ꩲn Oregon, Vermont, and West Virginia
Doesn’t disclose savings account fees

National Debt Relief: Who It’s Good For

National Debt Relief (NDR) is a popular 澳洲幸运5官方开奖结果体彩网:debt settlement company, willing to work with some forms of debt that other debt relief companies won't, such as 澳洲幸运5官方开奖结果体彩网:private student loans and business loans. The company has outstanding customer reviews, and its customer support department is available seven days a week via phone (both are true for Accredited Debt Relief as well).

NDR may charge a lower fee for its settlement services than Accreditedℱ Debt Relief, and if s🍌o it’d make the cost substantially cheaper. It’s also available in more states.

There are some allegations that National Debt Relief collects website visitors' IP addresses without their consent, although these are relatively minor issues when it comes to debt relief companies.

Accredited Debt Relief

Services: Debt settlement, debt consolidation loans
Debt Settlement Fee: 25% of enrolled debt
Minimum Debt Required: $10,000

澳洲幸运5官方开奖结果体彩网:Learn More

Pros & Cons

Pros

Outstanding customer reviews
Highly accredited
Debt consolidation loans available

Cons

Charges more than most for debt settlement
Not available in all states

Accredited Debt Relief: Who It’s Good For

Accredited Debt Relief (ADR) offers debt settlement and 澳洲幸运5官方开奖结果体彩网:debt consolidation services. It holds more accreditations than most debt relief companies, but National Debt Relief maintains solid accreditations as well. And the same goes for good customer reviews.

There are 🐽a couple reasons why Accredited Debt Relief may not be a good option compared to NDR. Accredited Debt Relief is not available in every state. And it tends to chargꦓe a higher fee than NDR, usually 25% of the enrolled debt.

Read our full 澳洲幸运5官方开奖结果体彩网:Accredited Debt Relief review.

National Debt Relief vs. Accredi💟ted D✅ebt Relief: Services Offered

	National Debt Relief	Accredited Debt Relief
Services Offered	Debt settlement, debt consolidation loans	Debt settlement, debt consolidation loans

National Debt Relief and accredited Debt Relief offer the same ♏debt settlement ꦗand debt consolidation loan services.

If you hire a company for debt settlement, the company will negotiate with your creditors on your behalf to settle your debt for less than you owe. The company’s settlement fee is in addition to the amount you have to pay your creditors. Debt settlement is typically only available for 澳洲幸运5官方开奖结果体彩网:unsecured debt, such as credit cards or personal loans.

澳洲幸运5官方开奖结果体彩网:Debt consolidation loans are generally only an option for borrowers with better credit scores, who can qualify for a loan with better rates than their existing debts. Consolidation loans allow you to combi🐭ne several debts into a single account with a single payment, and if you’re doing it for debt reli𓄧ef purposes, at a lower interest rate.

Debt settlement will have a 澳洲幸💯运5🧸官方开奖结果体彩网:significant negative impact on your credit, and it can also result in a tax bill because the forgiven amount is considered taxable as income.

National Debt Relief 🧔vs. Accr✱edited Debt Relief: Debt Settlement Fees

	National Debt Relief	Accredited Debt Relief
Debt Settlement Fee	Up to 25% of enrolled debt	25% of enrolled debt

Debt settlement companies are prohibited by law from charging upfront fees. They can only charge you a fee after they have successfully negotiated a settlement.

With National Debt Relief, fees reach up to 25% of your enrolled debt. Accredited Debt Relief's fees tend to be on the higher end. It typically charges 25% of the amount of enrolled debt.

Although debt settlement companies don’t charge their fees until they settle a debt, you’ll typically need to open a dedicated savings account to ho𓄧ld your settlement funds. This account often has an enrollment and monthly fee, which must be paid to the providing bank—not the debt settlement company—as the program begins. Neither National Debt Relief nor Accredited Debt Relief discloses these fees.

National Debt Relief vs.🐟 Accr🌄edited Debt Relief: Accreditations

	National Debt Relief	Accredited Debt Relief
Accreditations	AADR, IAPDA, BBB	AADR, IAPDA, CDRI, BBB

These companies both have industry accreditations showing they meet certain standards of service qua♛lity and customer service, and they’re roughly equal in this category. Each is a good pick if you’re looking for an established, well-accredited service.♉

The abbreviations above stand for:

American Association of Debt Resolution (AADR)
International Association of Professional Debt Arbitrators (IAPDA)
Consumer Debt Relief Initiative (CDRI)
澳洲幸运5官方开奖结果体彩网:Better Business Bureau (BBB)

Nationa🦋l Debt Relief vs. Accredited Debt R🌳elief: Customer Satisfaction/Reviews

Both National Debt Relief and🌃 Acc🤡redited Debt Relief have outstanding customer reviews on sites like Trustpilot and the BBB.

On Trustpilot, National Debt Relief has 4.7 out of 5 stars based on almost 42,000 reviews, and Accredited Debt Relief has 4.9 based on close to 8,000 reviews. On the BBB, NDR has 4.74 out of 5 stars and an A+ rating, while ADR has 4.89 and an A+ rating.

However, both companies have faced some relatively minor🦂 issues꧙ with their services.

A class-action lawsuit was brought against National Debt Relief in January 2024, alleging that its website collects users' IP addresses with a browser tracker without users' consent. And in 2022 the National Advertising Division (a BBB program) advised Accredited Debt Relief to update its website, alleging that the company made potentially misleading claims about its debt relief results. It seems that ADR has removed the claims.

The Bottom Line

If you’ve explored other 澳洲幸运5官方开奖结果体彩网:debt relief options and decided debt settlement is the right strategy, we recommend over . It’s more widely available and may charge a lower fee. Other than those details,💞 the comp𓆏anies are alike in most respects.

Although National Debt Relief is our top-rated company, we recommend exploring several of the 澳洲幸运5官方开奖结果体彩网:best debt relief companies🅷 before maki🎃ng a decision to see if another company could better meet your needs.

Unfortunately, debt relief scওams are common. If a debt settlement company attempts to charge 🥂upfront fees for settlement services, you can report the company to the Federal Trade Commission through .

How We Determine the Best Debt Relief Companies

To determine the best debt relief companies, we reviewed various databases, competitive analyses, consumer behavior, and more, ultimately narrowing down the list to 40 companies that offered debt settlement and/or credit counseling services. We developed a ꦍquantitative model𒀰 in which we identified 53 important criteria across five categories. We weighted each category as follows to rate debt settlement companies:

Costs and fees: 41.00%
Availability: 22.50%
Reputation and stability: 19.00%
Customer experience: 9.50%
Services: 8.00%

We then gathered data for the 53 criteria directly from companies via websites, media contacts, and existing partnerships. Data was c🗹ollected between Oct. 19, 2023, and Dec. 18, 2023. This resulted in over 2,000 data points in our rubric, which we used to score and determine the best debt relief companies (including debt settlement and credit counseling services) for people looking to manage and get out of debt.

To learn more about our process for finding the best debt relief companies, read our 澳洲幸运5官方开奖结果体彩网:full methodology.

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