The Association for Consumer Debt Relief (ACDR) is the leading national association of debt relief companies.
United States
Joined March 2012
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Too many Americans are drowning in debt and need a lifeline. The Century Foundation found more than half of every $1 a worker gained income over the last 4 years went to paying down their debt: tinyurl.com/3y65kym8
A few months ago, @FSICoalition release research showing American incomes are not keeping up their debt. Data from the Century Foundation reinforces the findings. Century notes real debt payments grew more than 8X as fast as real household income. tinyurl.com/3y65kym8
Debt relief savings start at the first settlement, which comes at about 4 months. Whether consumers finished a program, are still enrolled, or left early, every $1 in fees on a settled account brought about $2.50 in debt reduction.acdr.org/consumer-impact
ACDR - Association for Consumer Debt Relief retweeted
Recession or not, the squeeze hits hardest when you’re covering a kid’s tuition, a parent’s care, and your own retirement.
Credit cards often fill the gaps. That’s not a misstep. That’s keeping everyone covered. And getting out of credit card debt is more doable than it feels.
Nearly two-thirds of Americans believe the U.S. is in a recession, according to a new Guardian-Harris Poll, despite President Donald Trump’s claims that the economy is thriving. Rising living costs are fueling financial anxiety, with 83% of Americans feeling the strain of higher gas prices and one in three saying an unexpected bill could put them in financial trouble. Meanwhile, inflation remains elevated, mortgage rates have climbed above 7%, and job growth has slowed sharply.
ACDR - Association for Consumer Debt Relief retweeted
Borrowing against your 401(k) to pay off credit cards feels like paying yourself back. But that money sits out of the market, and if you leave your job before it's repaid, the balance can be taxed as a withdrawal. A fixed-rate loan to consolidate debt keeps your retirement plan intact.
Run the math on fixed-rate payoff: bit.ly/4yCMrKj
Achieve does not offer tax advice. NMLS# 138484. Equal housing opportunity. Terms & conditions apply.
99% of domestic abuse survivors experience economic abuse. One form of this abuse: coerced debt, where a partner uses, exploits, and or damages credit for their own advantage and to restrict a survivor’s autonomy. Info: tinyurl.com/yc535cps
Feeling like you cannot get ahead? @FSICoalition shows why: As the cost of living has risen, wages have not kept pace. That means that for many people, taking on debt is the only way to afford everyday life. Read our analysis: tinyurl.com/3h4hcac2
“Freedom.” That is a word we hear over and over again from consumers about debt relief. ACDR member companies offer Americans a compassionate ally in their efforts to regain financial freedom. Hear more from these consumers: acdr.org/consumer-impact
Consumers need to know who they can trust, and ACDR accreditation is that seal of approval. Transparency is an essential element of our business. This year, we celebrate Rescue One Financial with our 2026 Transparency in Action Award. acdr.org
Many Americans are financial stressed or vulnerable, often just one crisis away from unmanageable debt. When consumers are forced into debt, debt relief is there to help. tinyurl.com/ywmevfm2 @finhealthnet
ACDR members work tirelessly to uphold accreditation standards and earn consumers’ trust. This year, ACDR's inaugural Foundation for Success Award honors Credit Associates for its exemplary compliance efforts. Congratulations to this incredible company! acdr.org
When you are behind on unsecured debt, time matters. Every month of minimum payments adds interest and pushes the finish line farther out. A new EY analysis finds clients who reached a settlement did so in about four months on average. Read more: tinyurl.com/mr3juwww
ACDR members work tirelessly to uphold accreditation standards and earn consumers’ trust. This year, ACDR's inaugural Foundation for Success Award honors @NtlDebtRelief for its exemplary compliance efforts. Congratulations to this incredible company! acdr.org
ACDR companies go above and beyond in their service to Americans struggling with unsecured debt. Congrats to one company that exemplifies this mission, Lighthouse Finance Solutions, one of the winners of our 2026 Excellence in Experience Award. acdr.org
Access to debt relief is more important than ever. Why? The share of households reporting unmanageable levels of debt rose from 29% in 2025 to 31% in 2026. That is according to @finhealthnet. Read more: tinyurl.com/ywmevfm2
ACDR companies go above and beyond in their service to Americans struggling with unsecured debt. Congrats to one company that exemplifies this mission, Pacific Debt Relief, one of the winners of our 2026 Excellence in Experience Award. acdr.org
ACDR - Association for Consumer Debt Relief retweeted
Credit card delinquency among Americans over 70 is at its highest level since 2011.
If retirement is 10 or 20 years out, a balance that fits a paycheck may not fit a fixed income. Paying it down or exploring debt relief programs is simpler while the paycheck is coming in.
Consumers enroll in debt relief programs because they are facing real financial challenges. Their average debt is near $25,000 and their credit ratings are often low enough to raise red flags for employers and landlords. Read more about these Americans: tinyurl.com/mr3juwww
Congratulations to NexGen Financial President and Founder James Shanahan, the 2026 recipient of our Vanguard Award. James is a tireless advocate for our industry and its consumers. Congratulations, James—and thank you! acdr.org
At our ACDR Annual Conference, we honored Level Debt with our new Compliance Champion Award. These outstanding companies build a foundation for success, put transparency into action, and deliver an exceptional consumer experience. acdr.org
