In a Nutshell: Some of life’s surprises can be difficult to overcome, but it’s especially hard to recover when those surprises come with significant debt. The certified experts at Accredited Debt Relief can help you end the struggle with your debt, and discover a path to financial freedom. Take advantage of the free, comprehensive consultation that connects you with a debt professional, who will analyze your unique situation — including walking you through your credit report, item by item — then explain your financial options. Accredited’s experts will match you with the debt consolidation, management, or settlement solution that’s best for you; no pushy sales, just a roadmap, guiding you toward your goal of a debt-free life.
While each individual has his or her own unique financial journey, there are a few common reasons why people end up struggling with debt. For Brian and his wife, it was sudden job loss — and prolonged unemployment. “Things really went downhill when I realized we were running out of money,” said Brian. “We started missing credit card payments.”
Once they fell behind, it seemed impossible to get back on track. “I tried to work with each card company, but only a couple tried to offer any sort of help.” According to Brian, even the companies that were willing to work with him were not willing to bend very far. It wasn’t long before creditors were calling him and his wife around the clock.
“The phone started ringing at 9 o’clock in the morning, and didn’t stop until nine at night,” he said. “I really thought my only choice was [going to be] bankruptcy.”
Then Brian found Accredited Debt Relief. “[Accredited] understood the problems I was having, and was able to offer me a solution to my problems.” The company worked with Brian, and his existing income, to create a roadmap for a way out of debt.
“Our company is focused on trying to help resolve debt,” said Shawn Syndergaard, a Managing Member of Accredited. “We want to get them out of the situation they are in, out of financial hardship.”
Accredited Debt Relief partners with some of the best debt relief companies in the country to make sure they can find a way to solve any problem with which their customers need help. Accredited offers free consultations with a team of debt professionals who can determine — and explain — all of the financial options available to each individual customer.
“We’re not a pushy sales organization or anything of that nature,” confirmed Shawn. “We always want to make sure the customer is having a good experience with us.”
Free, No-Strings-Attached Consultation with Certified Debt Relief Experts
The Accredited Debt Relief process starts with the consultation. “Anyone can call us up and get a free consultation,” said Shawn. The company is open from 7 a.m. to 7 p.m., PST, Monday through Sunday.
“Customers are routed to one of our senior debt consultants, and can ask any questions they want.” All of the consultants at Accredited are experienced experts, with certifications and memberships in industry trade organizations, including the International Association of Professional Debt Arbitrators (IAPDA).
During the consultation, Accredited will pull your credit report (with your permission), and break it down for you item by item. “We’ll go over the entire report,” explained Shawn. “We’ll talk about their scores, what accounts are being reported, the types of debt they have. We’ll also go over budget and general finances. Ultimately, we want to determine where they are, and what are their financial goals.”
Consultations are as long, or as short, as customers need; each session is designed around the client. “There is no one-size-fits-all debt relief program for everyone,” Shawn explained, adding with a laugh, “but that would certainly make it easier!”
Once your consultant has gone over your whole credit report, he or she will help you determine the best solution. “Not everyone qualifies for the same products, so we’ll go over the options.” Your consultant will make sure you understand your choices, and help you select the right one.
Designing the Perfect Plan to Get You on the Right Path
The wide variety of products and services offered by Accredited is one of the things that helps them stand out from the crowd. Your consultant will give you all of the options that fit your needs, without pushing you toward anything. “We lay it all out there, give them a roadmap, and allow the customer to choose which option would be the best for them.”
While the exact path you take will depend on your situation, you will likely use one, or a combination, of three main services; but, whether you choose to consolidate, manage, or settle your debt, Accredited can help you.
Credit is tricky; having too few lines of credit is bad, but so is having too many. Multiple lines of credit — say, five or six credit cards — can make it easy to find yourself over-taxed on multiple fronts, when you have to deal with something unexpected. If you have a number of high-interest debts that you’d like to consolidate, or combine, into one (preferably lower-interest) loan, then debt consolidation could be your best option.
Accredited will work with you to find the best consolidation loan that fits your financial situation. Once you consolidate, you’ll only have one monthly payment to a single lender. Consolidation is a good way to simplify your debt, and, hopefully, lower your monthly payments by taking advantage of better interest rates.
If high monthly payments or double-digit interest rates are the major obstacles keeping you from reaching your financial goals, debt management may be the solution for you. Accredited’s program includes working with a credit counselor who will take steps to reduce your rates and fees, making your monthly payments manageable.
Your counselor works directly with your lenders and creditors to reach a repayment agreement, putting an end to the calls and harassment. Agreements typically last 36-60 months, and result in full repayment of your initial balance.
If you can stick to a savings plan, debt settlement may be a good way to pay off your debt — for less than you actually owe. During a debt settlement program, you’ll make affordable monthly payments into a managed account. When you’ve saved enough money to present a reasonable offer, expert negotiators will work with your creditors to pay off your debt in one lump sum.
Debt settlement is not an overnight process, and may take up to 48 months to complete. However, it can significantly decrease the amount you need to pay to erase your debt. Accredited advertises an average settlement percentage of about 35%, saving their clients thousands.
Reaching Your Debt-Free Destination
Once you’ve determined a direction, Accredited will enroll you in the appropriate program and give you access to the online portal where you can view and track your progress, 24 hours a day.
While there are no quick fixes when it comes to debt repair, you can get on the right track right away, and perhaps put an end to the harassment from lenders and collection agents. “Since starting to work with Accredited, the phone calls have stopped,” confirmed Brian. “A settlement has been reached with one of my creditors, and negotiations are in progress with the rest.”
For Brian and his wife, consulting with Accredited was just the beginning of getting their life back. “We started the year with no real hope of getting out of debt. Thanks to Accredited, we have a way out of debt — and to a brighter financial future.”