Is American Debt Relief the right fit for you?
Debt Settlement
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Last Updated: 04/18/2025
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Highlights
Minimum Debt Owed
$10,000
Settlement Fee %
15%(Verified 06/21/2024)
Monthly Maintenance Fee
$0(Verified 06/21/2024)
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 company that has been in business for over 30 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.
- ACDR and IAPDA accredited. American Debt Relief is a member of the Association for Consumer Debt Relief (ACDR), 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 company. American Debt Relief has been in business for 32 years.
- Multipe types of debt settled. American 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.
- Available in most states. American Debt Relief is available in 48 states, and Washington, DC.
American Debt Relief Pros & Cons
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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, medical debt, and personal loans.
- Business debt.
What does American Debt Relief charge?
American Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, American 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 Debt Relief settlement fees are 15% of the enrolled debt.
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 Relief for 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 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 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 Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).
- American Debt Relief is an accredited ACDR 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 32 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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 3:30PMTuesday8:00AM - 3:30PMWednesday8:00AM - 3:30PMThursday8:00AM - 3:30PMFriday8:00AM - 3:30PMSaturday9:00AM - 3:30PM
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