Fifteen to twenty-five percent against fourteen to twenty-nine percent. Those are the fee bands for Accredited Debt Relief and Americor in twenty twenty-six, and the gap sits at the top.
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Chapters
- 0:00 Fee bands of 15–25% vs 14–29%, and minimums of $5,000+ vs $7,500.
- 0:13 I. Fees and terms
- 0:46 II. The fee ceiling in dollars
- 1:08 III. Timing and service
- 1:27 IV. Structure and reach
- 1:51 V. What is and is not covered
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Full transcript
I. Fees and terms
The comparison lists Accredited's fee at fifteen to twenty-five percent of enrolled debt, and Americor's at fourteen to twenty-nine. Americor's floor is slightly lower and its ceiling is higher. Accredited's own FAQ puts typical clients at five thousand dollars or more in unsecured debt, and Americor typically looks for about seven thousand five hundred. Both run programs of twenty-four to forty-eight months, with Americor averaging about thirty-five.
II. The fee ceiling in dollars
The page puts the ceiling in dollars. A twenty-nine percent fee on a twenty thousand dollar enrollment is five thousand eight hundred dollars, and a twenty-five percent cap is eight hundred dollars less in that worst case. Under the FTC's Telemarketing Sales Rule, neither firm can charge until a debt settles.
III. Timing and service
Timing and service differ. The comparison reports that Accredited's first settlements often land within four to six months, while Americor's vary with deposits and the creditor mix. Accredited assigns a dedicated account manager, and Americor offers a portal with real-time settlement tracking.
IV. Structure and reach
Structure differs too. Accredited Debt Relief operates as a brand of Beyond Finance and is settlement-focused. Americor is venture-backed and also offers consolidation loans, which carry separate origination costs. Americor is not available in Colorado, Oregon or West Virginia, and Accredited is not available in all states.
V. What is and is not covered
Both work with unsecured debt such as credit cards, medical bills and personal loans, not secured loans, federal student loans or tax debt. Enrolled accounts go delinquent until settled, and the page says no settlement firm can guarantee an end to collection calls or lawsuits. The full comparison is free at Dreamy Leads Research. What state are you in, and how many months did your first settlement take? Tell us in the comments.
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