American Debt Relief
in Debt Settlement Companies from American Debt Relief, LLC
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American Debt Relief

in Debt Settlement Companies from American Debt Relief, LLC
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Not enough votes for recommendation

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American Debt Relief Review

American Debt Relief is a debt settlement company based in Plano, TX. It offers debt relief services to borrowers in 48 states (and Washington, DC). Founded in 1994, it is a well-established firm that has been in business for over 20 years.

Key Takeaways

  • Minimum debt balance of $10,000. American Debt Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • AFCC and IAPDA accredited. American Debt Relief is a member of the American Fair Credit Council (AFCC), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
  • Well-established firm. American Debt Relief has been in business for 29 years.
  • Types of debt settled. American Debt Relief settles all types of unsecured debt and business debt. Unsecured debt includes credit card debt, personal loans, payday loans, and certain types of student loans.
  • Available in most states. American Debt Relief is available in 48 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
  • Customer service availability. American Debt Relief, LLC Users can track the progress of their settlement accounts at any time by logging onto their online account.

American Debt Relief Pros & Cons

Pros Cons
  • Lower than average fees
  • No monthly consultancy fee
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Only considers clients with a minimum debt balance of $10,000

American Debt Relief FAQ

What does American Debt Relief do?

American Debt Relief offers debt relief services for the following types of debt:

  • Unsecured debt, such as credit card debt and personal loans.
  • Business debt.

What does American Debt Relief charge?

American Debt Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

American Debt Relief charges fees of 15% of the enrolled debt.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to American Debt Relief directly to determine an accurate quote.

Does American Debt Relief offer a guarantee?

No, American Debt Relief does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.

What is the minimum debt American Debt Relief will consider?

American Debt Relief will only consider customers with 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 Debt Relief perform its own servicing in-house?

Yes, American 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 Debt Relief have?

The two main trade associations in the debt relief services space are the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • American Debt Relief is an accredited AFCC member.
  • American Debt Relief is an IAPDA member.

Is American Debt Relief, LLC a legit company?

American Debt Relief, LLC was founded in 1994, it is a well-established company that has been in business for 29 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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Hours of Operation

Central Time
  • Sunday Closed
  • Monday 8:00am - 3:30pm
  • Tuesday 8:00am - 3:30pm
  • Wednesday 8:00am - 3:30pm
  • Thursday 8:00am - 3:30pm
  • Friday 8:00am - 3:30pm
  • Saturday 9:00am - 3:30pm

About American Debt Relief


  Available in 48 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Pricing Model Contingency Fee (% of enrolled debt)
Monthly Fee $0
(Verified 10/14/2022)
% of Debt Fee 15%
Debt Type
  • Unsecured Debt
  • Business Debt
Minimum Debt Owed $10,000
Program Length 24 - 48
AFCC Member
Contingency Model
IAPDA Member
In-House Servicing

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