Accredited Financial | A trusted partner in a better tomorrow.

Become Debt Free! QUICK APPLICATION

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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

What We Do

We negotiate your debt and make settlements with your creditors on your behalf. Our highly skilled Debt Negotiators generally can reduce your debt by 40-60% of the current total. You end up paying a fraction of the debt. Our program works for you, not your creditors. Our main goal is help you every step of the way to achieve financial freedom and become debt free. Our team will provide you with the honest answer, best solution and will support you throughout the whole process.

Affordable, Easy to start program.

After determining your eligibility, we'll structure the most affordable plan that meets your individual financial needs. We'll set you up with lower more affordable monthly payments which is determined between you and your counselor at Accredited Financial. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program, and ultimately be debt free. Throughout the program, we communicate with your creditors to work on settlements and assist you when dealing with aggressive, confrontational, or abusive creditors/collectors.

Settling your debt.

Once you have retained our services, Accredited Financial will commence the Service. Your Accredited Financial counselor will advise you of all genuine offers made by your creditors, current servicers, or collectors, and of their acceptance of any offers made by Accredited Financial. Upon your approval of a settlement offer, Accredited Financial will then settle the account. You retain the right to accept or reject all settlement offers. We can only settle a debt once the full funds are available in your settlement account. With relationships we have in place with creditors and financial institutions, we are able to successfully negotiate the debts of our clients at a substantial discount. Creditors are willing to negotiate a debt with Accredited Financial, on behalf of our clients, with the understanding that the settled amount will be paid in a timely manner. Debt Settlement is a legitimate way of solving your problem without the need for bankruptcy.

Becoming Debt Free.

Once paid, that debt is gone forever. At that point, the creditor has accepted the payment in full, and you are free of that debt forever. Accredited Financial will continue to diligently work on negotiating all of your debts. We work hard to make sure you successfully complete the program within 12-36 months and ultimately become debt free. We work only for you. Becoming debt free is a first step to becoming financially secure and regaining control of your financial future.

If you concerned about your credit card debt or other unsecured bills, please, call us at 1-866-725-3064 or fill out our Free No Obligation Analysis Form.

Who Qualifies

Regardless of the cause, financial problems can impact both your work life and family life.

Many times we don't see the signs of financial trouble until it's too late. But financial crisis doesn't occur overnight. There are several signs that will tell you whether you need debt settlement services.

Signs you need debt settlement:

You pay only monthly minimums or miss payments on charge accounts.
You consolidate debts by borrowing from a high-interest rate lender.
You spend more money each month than you earn.
You borrow to pay for items that you used to buy with cash.
You are considering Bankruptcy as an option.
You panic when faced with an unexpected expense, such as car repairs.
You find it impossible to save money or immediately withdraw money from your savings to cover bills.

If any of these apply to you our debt counselors can show you a common sense approach in dealing with each of these problems. Just click on our Free Consultation link and provide the requested information. An Accredited Financial debt counselor will contact with you with your free quote. For immediate service you can call us toll free at 1-866-725-3064. Program Debt Requirements: You must have over $9,000 in unsecured debt to participate in Accredited Financials program.

We Can Settle:

Credit Cards
Unsecured Loans
Unsecured Personal Loans
Autos in Repossession
Medical Bills
Retail Store Cards
Collections
Unsecured Lines of Credit

We Cannot Settle:

Home Loans / Mortgages
Utility Bills
Auto loans
IRS Debt / Taxes
Secured Debts
Government Loan
Student Loans
Lawsuits

Our Results

Debt Settlement Letters

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FAQ

[ click on question for answer ]

Is debt settlement legal?

Debt settlement is legal. it is the an effective way of getting out of debt quickly. Without the option of debt settlement, many of our clients would have no choice but to file bankruptcy. Keep in mind that even though we are substantially reducing what you owe your creditors, they are still able to recover a portion of the original debt. In bankruptc y these creditors would receive nothing, so debt settlement is a win-win situation for both you and your creditors

Who can your program help?

Our program can help anyone who is falling behind or having problems making minimum payments to creditors on their unsecured debts. Our clients have legitimate financial hardships and might not qualify for other debt programs, such as debt consolidation loans or consumer credit counseling. However, our clients want to address their financial problems and find a feasible solution to their debt problems that will allow them to avoid bankruptcy while helping them to alleviate the stress that unmanageable debt creates

How do you reduce my debts?

We will negotiate and work with your creditors on your behalf. Our goal is to reach settlements with your creditors on any unsecured debts which you have contracted us to settle. This is accomplished through a series of negotiations with your creditors to secure settlements with substantially reduced amounts owed. We are usually able to reduce the total amount owed to an average of 25 - 50 cents on the dollar, including all fees and payments. All settlement agreements are approved by you before they are finalized.

How does debt settlement compare to debt consolidation?

In debt consolidation programs, the debt consolidator makes one loan to you to pay off all your debts. You are charged interest on this debt consolidation loan and in some cases you are still required to pay interest to your creditors. As a result, with debt consolidation your principal debt balance often remains the same and you remain years away from becoming debt free. With Accredited Financial Inc's debt settlement program, our highly skilled negotiators work on your behalf to significantly reduce your debt. In most cases, our debt settlement program allows you to pay only a fraction of what you owe and helps you resolve your debts, often within only months.

How does debt settlement compare to bankruptcy?

Bankruptcy was designed to be a consumer's last resort and has a devastating effect on your credit rating that lasts for seven to ten years. Debt settlement is an effective alternative to bankruptcy that provides you with financial freedom without the long-term effects and social stigma associated with a bankruptcy filing.

How long does Accredited Financial Inc's debt settlement program take to complete?

The length of time it takes to complete the debt settlement program varies depending upon your ability to acquire the funds that will satisfy the amount of your settled debts.

Do I have to be behind on my debts to qualify for your debt settlement program?

Not necessarily. Accredited Financial Inc's debt settlement program works with debtors in all stages of payments and collection although we find that once you are behind, creditors tend to be more willing to negotiate better deals.

Do I have to include all of my debts in your debt settlement program or can I choose only the ones I would like you to settle?

With our program you have the freedom to select which accounts you would like us to settle for you. In fact, we suggest you keep one credit card out of the program for use in emergency situations.

How does debt settlement affect my credit rating?

Debt settlement is an alternative to filing bankruptcy. As such, it may adversely affect your credit rating if your debts are current and you have no history of late payments. However, Accredited Financial Inc's program will improve your debt to income ratio and may improve that portion of your credit score. Since you will have resolved your outstanding debt through our debt settlement program your future creditors will see that you settled your debts instead of filing bankruptcy.

What happens when we reach a settlement?

Once a settlement with one of your creditors has been reached we email, fax or mail over to you the terms and conditions of the settlement agreement for your approval. It is solely your choice to decide whether on not to accept the settlement agreement. The actual amount of the settlement and the time it takes to reach it depends on a multitude of factors.

Will Accredited Financial Inc keep my personal and financial information confidential?

Yes. Accredited Financial Inc will absolutely maintain your confidentiality at all times. We only disclose information to those persons that you have expressly authorized us to disclose information to.

Will all of my debts be eliminated when I complete your debt settlement program?

Yes. At the end of the program, you can expect to have zero balances on all unsecured accounts that you've contracted Accredited Financial Inc to settle. You will still be responsible for your secured debts i.e. mortgages, auto loans, etc. and any and all unsecured debts that you did not retain us to settle.

Will I continue to get calls and correspondence from my creditors?

Once you are accepted into our debt settlement program and have paid your enrollment fee, you will direct all correspondence to our debt settlement team. Keep in mind that there is no law that prevents creditors from sending written correspondence to you. Do not be afraid to read these letters. In fact, it is important that you read each letter carefully as you are certain to get settlement offers from your creditors as a result of your admittance to our debt settlement program. These settlement letters and any other letter of concern should be forwarded to Accredited Financial Inc's Client Relations Department.

Will interest and late charges continue to accrue on my debts while I am completing your debt settlement program?

This is possible. However as a practical matter, you need not concern yourself with these charges. In most cases Accredited Financial Inc's skilled negotiators will get your creditors to suspend and/or remove these charges while significantly reducing your principal balance as well.

What should I expect from your debt settlement program?

You can expect a substantial reduction in the total balance that you owe to your creditors. While each case is different and results will vary, Accredited Financial Inc's debt settlement program targets to settle client debts for 25% to 50% of the balances owing.

How do I know that your debt settlement program will work?

Accredited Financial Inc takes great pride in getting our clients out of debt and helping them to avoid bankruptcy and debt consolidation. After we analyze your financial situation you will either be accepted into the debt settlement program or we will advise you of the best option for you. This will be discussed with you during your consultation.