American Debt Relief

Katie M 

on BBB

a year ago

Needed to cancel my business with them. Called and was told I would get the money back that I put in. Instead I never got an email saying that I canceled, never got the refund, and was then blocked for looking at my account with them to see what was going on. Almost $700. Down the drain. 

Cameron W 

on BBB

a year ago

This is a scam. So the settlement action does not begin until you are literally at rock bottom with your credit score. I actually had an "okay" score to start, but alternate to the expectations set with me at sign up, the action does not begin (settlement negotiations and such) until you have absolutely been many months late. This obviously tanks your credit score and I had a pending move scheduled for 6 months away at the time of my program start. This made my score so low that I have no choice but to remain where I am beca... read more

Patti V 

on BBB

2 years ago

The company is deceptive regarding their 25 percent fee. If not deceptive, certainly not forthcoming with the fact that it is 25 percent of the total debt balance and not of the settlement amount. I only had one large debt with ***** to get settled, but in retrospect, I should have negotiated myself with ***** because ADRs fees are astronomical! I am paying an astronomical amount of $1,565.48 every month for seven months, and come to find out, only $718 is actually being sent to Chase, so ADR is keeping $847.48! Oh, and prio... read more

Maureen M 

on BBB

2 years ago

I enrolled in this program after struggling for more than 4 years. Talking to the intake person, he tells me that all my creditors are super easy to work with, they'd have it all negotiated in about 2 or 3 months and in 2 or 3 years I'd be debt-free. Before even one creditor was negotiated with, there was a payment schedule for four years posted.Months on, 2 of 5 creditors have been contacted and Am Debt is thrilled that the other 3 are in collection."It'll be cheaper"- who cares about your score, right? After posting a Trus... read more

Donte D 

on BBB

2 years ago

As one response stated you could try to settle the debt yourself or get a loan. I totally agree that the money American Debt Relief says they are saving you is misleading, you are charged 25% on beginning enrolled balance not the settled balance, so you actually end up paying close to the full amount you enrolled in the plan, so the savings is very little. Also your enrolled balance goes into default and and late fees and court fees push your enrolled balance higher. Example you enroll $5,000 by the time you get to start tal... read more