Debt Calculator
Your Credit Card debt never seems to get smaller?
See why! Use this free debt calculator to figure out your settlement needs.
Satisfaction Guaranteed
Accredited Financial offers
a full service guarantee to
all enrolled clients.
Customer satisfaction is our highest priority.
Benefits
- Debt Free 12-36 Months
- Avoid Bankruptcy
- Low Monthly Payment
- Reduce Debt Up To 60%
- Minimize Creditor Harassment
- Privacy Guaranteed
- Regain Control of Your Life
- Understand Your Options
Client Testimonials
“My situation before I met Accredited was very stressful! My interest was piling up and it felt like I couldn’t pay anything off… Accredited was very willing to help, they explained the whole process to me so I wasn’t worried. Their customer service was friendly and timely. I now have money in the savings account and extra money at the end of the month. I am now debt free and happy!”
— Charity Ardoin, Geismar, LA
Actual Accredited Graduated Client
Debt Settlement
We put our relationships with consumer-lending institutions to work in order to successfully engage in debt settlement on your behalf.
When you hire us to engage in debt arbitration with your creditors, the Accredited Financial Inc Settlement Team settles your outstanding debt for pennies on the dollar. That means you can decrease your debt and keep your hard earned money more quickly than ever before.
Once enrolled in our debt settlement program, you will have the knowledge and experience of the entire Accredited Financial Inc staff at your disposal. It is important to remember that we work for you and not your creditors, unlike many debt consolidation companies, so you can rest assured that we have your best interest in mind throughout the negotiation and debt settlement process.
Accredited Financial Inc debt settlement program may be the right for you. Working together, we will bring those who are committed and serious about getting out of debt back on the road to financial freedom. To determine if debt settlement is right for you, contact us for a free consultation.
Credit Counseling
Prior to the introduction of Consumer Credit Counseling companies, Americans had very few options to deal with debt reduction, other than filing bankruptcy. CCC organizations were originally set up by a major credit card company in the early 1980s as a means of recovering money from thousands of people that were starting to fall behind on their payments.
In Credit Counseling you make a single monthly payment to a debt counseling agency. That agency then distributes the money to your creditors on your behalf, ideally at lower interest rates so you can pay off the debt faster. Of all the available debt options, Credit Counseling is by far the most popular, with millions of Americans participating. Does this mean it's the best choice for most people struggling with debt? Not necessarily. There are numerous problems with this approach, and in recent years, Credit Counseling has come under heavy criticism from impartial consumer groups and government regulators. One of the most misleading aspects of Credit Counseling is the "non-profit" status of most agencies. Just because an organization says it is a "non profit," there is no guarantee that the services provided are free, affordable, or even legitimate.
Another big problem with Credit Counseling is the divided loyalty of the agencies. Credit Counseling organizations are dependent on creditors for the majority of their income (in the form of kickbacks of 7-15% of the monthly payments), yet the agency supposedly represents the consumer. How can the consumer expect truly objective advice from an agency that directly accepts compensation from his or her creditors? That's why one of the criticisms of the Credit Counseling industry is that it acts like a big collection agency for the credit card banks.
Be wary of credit counseling organizations that:
- Charge high up-front or monthly fees for enrollment into their program.
- Disguise additional high commissions and fees in the form of "voluntary contributions".
- Try to enroll you in a debt management plan (DMP) without spending time reviewing your financial situation.
- Offer to enroll you in a DMP without teaching you budgeting and money management skills.
- Demand that you make payments into a DMP before your creditors have accepted you into the program.
Consolidation Loans
Debt Consolidation Loans usually require you to secure the loan against some form of asset, (i.e., your home, as in a second mortgage or a home equity line of credit). These loans generally charge upfront fees and require equity in the home.
At this point you have gone from unsecured debt to a secured loan and put your personal assets (your home) at risk. Many consolidation loans are spread out over a 30-year period leaving you open to the loss of your assets over the entire period.
The main reason that 80% of the people who get consolidation loans end up in worse financial trouble is they do not cut up their cards or cancel them once they have been paid off with the consolidation loan.
Within a very short time, most people soon find their cards maxed up to their limits. As mentioned, this happens an incredible 80% of the time to people who say it will never happen to them.
Let us help and take away the constant worry of not knowing what is going to happen next, relieve the stress and worry and give you back your life. APPLY HERE
Bankruptcy
Bankruptcy is not always an option and, while it may eliminate debt in the most desperate cases, it can have disastrous long-term consequences that are worse than the current problems.
The majority of people who file for bankruptcy say they wish they had found an alternative method of resolving their problems and would not do it again if they had the chance.
Most people do not realize the difference between the various types of bankruptcy and could easily find themselves paying back a large proportion of their debt anyway, forced by the courts to make those payments.
Although some types of bankruptcy may get rid of unsecured debts completely and help stop foreclosure on your home, stop garnishments by creditors and debt collection activities, be aware that there are still many areas it does not help with. Bankruptcy will normally not help in areas like child support, alimony, current taxes, and most government-backed student loans, etc.
Let us help and take away the constant worry of not knowing what is going to happen next, relieve the stress and worry and give you back your life. APPLY HERE
Do Nothing about your debt
By doing nothing you’re still choosing…all the while your accounts continue to accrue interest and balances continue to get bigger and bigger, making it difficult to make even a small dent in paying down that debt.
Ignoring or running from a problem is seldom the answer to any situation. When you applied for credit, no doubt you fully intended on repaying the debt. Accredited Financial understands that “bad things can happen to good people”. Illnesses, job loss, divorce…situations beyond your control, we understand. Accredited Financial could be the right choice to help you regain control of your finances and put you back in the drivers seat. How? We work on your behalf to settle your debts with your creditors for a fraction of what your current balance is, you end up paying a fraction of what you owed!
Call us toll free at 1-866-725-3064 and speak with a specialist to find out if debt settlement is right for you.