ACDR - Association for Consumer Debt Relief

The Association for Consumer Debt Relief (ACDR) is the leading national association of debt relief companies.

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Here is why ALL Americans need access to debt relief: according to @LendingTree, credit card balances have jumped $482 billion since Q1 2021, when credit card debt bottomed out at $770 billion during the pandemic. That’s a 63% increase in FIVE years. https://t.co/GZugkcrXHL

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Missed our 2026 Spring Summit? We can’t replicate the experience of being there, but we do have a topline analysis of the important discussions we had. Check it out the link, but also mark your calendars for Sept. 28-30 for our 2026 Annual Conference. https://t.co/UHNNMIpRBf

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Each year, consumers significantly reduce their unsecured debt using debt relief products. With household debt rising, Americans need solutions they can count on to help get their finances back on track. Our member companies can help! Learn more: https://t.co/1gavp0mvxh

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

More data from @achievecom: 53% of US consumers carry credit card balances to cover the cost of essential expenses, with 25% of consumers carrying these debts for 6 months or more. It is time for policymakers to expand access to debt relief services. https://t.co/mSTGs5wJNK

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Why is access to debt relief important? As Jasper Co. Iowa Supervisor Thad Nearmyer writes @IowaStandard, it is because “the gap between cost-of-living and what families earn is widening, and for many Iowans, that gap is getting harder to manage.” https://t.co/z6zzx0NOdj

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

From our President and CEO Jason Mulvihill’s opening address to the keynote speech from Nike athlete and NCAA wrestling All-American Anthony Robles, our 2026 Spring Summit what bursting with knowledge you need to know. Read more about it: https://t.co/UHNNMIpjLH

[Money @Money]

A recent report finds that more than 40% of credit cardholders cannot afford to pay off their balance each month.
https://t.co/XqJ07q99eU

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Did you know Americans save a total of $1.8 BILLION annually as a direct result of debt relief? If you are one of the millions of Americans struggling with debt, consider this option can help you negotiate, consolidate, and pay off your debt faster. Info: https://t.co/1gavp0mvxh

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Some pundits celebrated recently released Fed data showing declining credit card balances in Q1. @LendingTree offers important context however, noting these balance often decline early in the year. Consumers are still struggling and need debt relief. https://t.co/GZugkcsvxj

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Higher consumer spending often indicates high consumer optimism. Not anymore. @achievecom’s Austin Kilgore says “higher balances are less a sign of economic optimism & more a sign that wages & savings are struggling to keep pace with essential expenses.” https://t.co/YTH6bmDmYc

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

We broke records again at our 2026 Spring Summit. More than 270 debt relief leaders joined us in Las Vegas. Next up: our 2026 Annual Conference, Sept. 28-20 in Lake Buena Vista, Fla. Save the date so you do not miss our next record breaking event: https://t.co/iUpMHpxlav

[Freedom Debt Relief @FreedomDebt]

Debt relief programs are bound by a federal rule most people have never heard of: a company can't legally collect a fee until a debt is settled, you've approved it, and at least one payment has reached the creditor.

That order matters. It's the cleanest filter for telling a legit program from one to walk away from.

Freedom Debt Relief is built around that exact rule, no payment until you've signed off on a settlement.

The video above walks through how the rule works and how to use it as your own checklist before you enroll anywhere.

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Are you an ACDR member company employee or leader? Want the latest on advocacy efforts or info on any of our standards? Then log on to our members-only portal, which is an exclusive gateway to our resources, efforts & insights. Access here: https://t.co/NT49u7Bl5W #debtrelief

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

“Banks say they are not seeing signs of serious distress,” @nytimes reported. Banks are wrong. Consumers ARE suffering. Today, more than 4.8% of all consumer debt accounts are delinquent. That number is the highest since 2017. Read more: https://t.co/3CqTVCpZ2V

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

At a time when it is difficult to find common ground, there is an issue where there is consensus: affordability. With more Americans falling into debt, policymakers must protect and expand access to debt relief. Learn how it restores financial stability: https://t.co/1gavp0mvxh

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

ACDR member @achievecom is right: As the cost of basic necessities “rise, the inability to meet monthly payment obligations is pushing more American families toward risky behaviors & taking a significant toll on their physical & mental well-being.” https://t.co/XeSEwb3aJp

[ACDR - Association for Consumer Debt Relief @ACDR_Official]

Wisconsinites are speaking out against the state’s ban on debt relief. Why? Because as Verona resident Roxane Spitzer explains, “Financial stress and mental health are connected.” Read her full letter to the Wisconsin State Journal: https://t.co/azTuDsTV6i

[Beyond Finance @MoveBeyondDebt]

Debt can feel overwhelming, but it doesn't have to be. 💙 We take pride in making the journey to financial freedom as smooth as possible and putting our clients at ease from day one. Thank you for the recommendation and for trusting Beyond Finance with your fresh start!

[Accredited Debt Relief @Accredited_Debt]

Taking the first step toward financial freedom is a big decision, and you shouldn't have to navigate it alone. At Accredited Debt Relief, we don't just look at the numbers - we listen to your story. Thank you for trusting us to be the right partner for your debt-free future! 🤝

[Freedom Debt Relief @FreedomDebt]

More than half of Americans are using credit cards to pay for vacations this year, which means the conversation about managing those balances afterward should be part of the discussion too.