Last Updated: 04/18/2025
American Credit Card Solutions Debt Relief
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Last Updated: 04/18/2025
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Highlights
Minimum Debt Owed
$10,000
Settlement Fee %
17% - 25%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 07/03/2024)
American Credit Card Solutions Debt Relief Review
American Credit Card Solutions Debt Relief is a debt settlement company based in Frederick, MD. It offers debt relief services to borrowers in 19 states (and Washington, DC). Founded in 2008, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Minimum debt balance of $10,000. American Credit Card Solutions Debt Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies. However, it will also only settle individual accounts if they have a balance of $300 or more per account.
- IAPDA accredited. American Credit Card Solutions Debt Relief invests in the training and accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA). However, it's not a member of the Association for Consumer Debt Relief (ACDR), the debt settlement industry's major trade association.
- Well-established company. American Credit Card Solutions Debt Relief has been in business for 18 years.
- Multipe types of debt settled. American Credit Card Solutions Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, and certain types of student loans.
- Only available in some states. American Credit Card Solutions Debt Relief is only available in 19 states, and Washington, DC.
American Credit Card Solutions Debt Relief Pros & Cons
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American Credit Card Solutions Debt Relief FAQ
What does American Credit Card Solutions Debt Relief do?
American Credit Card Solutions Debt Relief offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
- Business debt.
What does American Credit Card Solutions Debt Relief charge?
American Credit Card Solutions Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, American Credit Card Solutions Debt Relief only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.
American Credit Card Solutions Debt Relief settlement fees typically range from 17% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.
Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with American Credit Card Solutions Debt Relief for an accurate quote.
Does American Credit Card Solutions Debt Relief offer a guarantee?
Yes, American Credit Card Solutions Debt Relief does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with American Credit Card Solutions for more details on their guarantee.
What is the minimum debt American Credit Card Solutions Debt Relief will consider?
American Credit Card Solutions Debt Relief is recommended for customers with an unsecured debt of $10,000 or more. Customers with less than $10,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does American Credit Card Solutions Debt Relief perform its own servicing in-house?
Yes, American Credit Card Solutions Debt Relief employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.
What accreditations does American Credit Card Solutions Debt Relief have?
The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- American Credit Card Solutions Debt Relief is not an accredited ACDR member.
- American Credit Card Solutions Debt Relief is an IAPDA member.
Is American Credit Card Solutions a legit company?
American Credit Card Solutions was founded in 2008, it is a well-established company that has been in business for 18 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from American Credit Card Solutions
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 5:00PM