Last Updated: 04/18/2025
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Highlights
Minimum Debt Owed
$5,000
Settlement Fee %
Up to 35%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 06/21/2024)
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American Debt Enders Review
American Debt Enders is a debt settlement company based in Rockville Centre, NY. It offers debt relief services to borrowers in 41 state across the USA. Founded in 2006, it is a well-established company that has been in business for over 10 years.
Key Takeaways
- Low debt minimum. American Debt Enders stands out from the competition because it only requires clients to have a minimum balance of $5,000. Most firms require at least $10,000 of unsecured debt.
- Not accredited by the ACDR or the IAPDA. American Debt Enders is not a member of the Association for Consumer Debt Relief (ACDR), which is the major trade association for the debt settlement industry. Furthermore, it does not invest in the accreditation of its debt resolution specialists by the International Association of Professional Debt Arbitrators (IAPDA) either.
- Well-established company. American Debt Enders has been in business for 20 years.
- Only considers unsecured debts. American Debt Enders will only settle unsecured debts. These include credit card accounts and personal loans.
- Available in most states. American Debt Enders is available in 41 states.
American Debt Enders Pros & Cons
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American Debt Enders FAQ
What does American Debt Enders do?
American Debt Enders offers debt relief services for the following types of debt:
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does American Debt Enders charge?
American Debt Enders charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, American Debt Enders 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 Debt Enders settlement fees can be up to 35% 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 Debt Enders for an accurate quote.
Does American Debt Enders offer a guarantee?
Yes, American Debt Enders 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 Grace Unlimited LLC for more details on their guarantee.
What is the minimum debt American Debt Enders will consider?
American Debt Enders is recommended for customers with an unsecured debt of $5,000 or more. Customers with less than $5,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.Does American Debt Enders perform its own servicing in-house?
No, American Debt Enders partners with third party service providers who negotiate on behalf of the clients they enroll.
What accreditations does American Debt Enders 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 Debt Enders is not an accredited ACDR member.
- American Debt Enders is not an IAPDA member.
Is Grace Unlimited LLC a legit company?
Grace Unlimited LLC was founded in 2006, it is a well-established company that has been in business for 20 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 Debt Enders
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
7:00AM - 7:00PM
Tuesday
7:00AM - 7:00PM
Wednesday
7:00AM - 7:00PM
Thursday
7:00AM - 7:00PM
Friday
7:00AM - 7:00PM
Saturday
7:00AM - 7:00PM