Accredited Debt Relief has been in business for over a decade, has an A rating with the BBB, and offers services including debt consolidation, settlement, management, counseling, and bankruptcy (though not available in some states). They charge settlement fees of 18-25% of enrolled debt per year and allow clients to terminate the program at any time without penalty beyond resolved accounts. While they have a lower BBB grade than some competitors and pricing varies, they provide an honest assessment of debt relief options and have an accredited, multi-year program.