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Freedom Debt Relief

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14,684 User Reviews

9.9

Overall Score

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LAST UPDATED: December 3rd, 2021

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Why Freedom Debt Relief Is Our Top Pick

Freedom Debt Relief has stellar customer reviews. A 4.7 out of 5 star ranking with over 14,000 verified reviews is one tough feat, and Freedom Debt Relief has earned the top spot on our site thanks to its satisfied customers.

Freedom Debt Relief is a trusted brand that sets the standard for ethical financial practices and has a low minimum debt requirement, making its reliable services more widely available.

About the Company

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief has over 17 years of experience in the debt settlement industry. It has settled over two million accounts since its founding and regularly settles over 50,000 accounts monthly.

In fact, Freedom Debt was one of the founding members of the American Fair Credit Council (AFCC), which now accredits other debt relief companies and sets the standard for best practices in the credit advocacy industry. The company is also a platinum member of the International Association of Professional Debt Arbitrators.

Freedom Debt Relief has years of experience standing between the creditor and the client. FDR will work to obtain settlements that resolve credit card debt (or any type of unsecured debt, such as personal loan debt or medical debt).

FDR will walk clients through the debt settlement process: first, customers will voluntarily choose to stop making monthly payments to lenders. Instead, clients will elect to make a monthly deposit into a separate special purpose account to save money to pay for the settlements once negotiated. Freedom Debt Relief will then work to negotiate a settlement on behalf of its clients.

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. A four-year study by Freedom Debt Relief found that its customers' credit scores dropped in the first six months of the debt settlement program, then began to recover. According to the study, most customers' credit scores recovered to their previous position by the time they completed the Freedom Debt Relief program. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

The graph below shows Freedom Debt Relief's customers' credit scores over time as they improve their debt through the company's program.

Freedom Debt Relief Credit Score Graph

How does Freedom Debt Relief work?

Freedom Debt Relief doesn't charge an upfront fee or any other fees until after debt is settled with creditors. This practice is standard for the industry. Debt relief companies, like National Debt Relief and Pacific Debt, also do not have upfront fees.

Upon enrollment, customers will open an FDIC-insured bank account that the client controls. Clients will put all of their money that would have gone toward paying their debt into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

Next, FDR or its representatives or agents will negotiate with your creditors to settle on debt to pay.

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 22 percent fees on enrolled debt), but its services are thorough.

The company's ability to help clients find an easier road to financial freedom and paying off debt is highly valuable.

Should I have any concerns about Freedom Debt Relief?

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 40 states. If Freedom Debt Relief does not offer its debt relief program in your state, you'll have to consider other debt settlement companies.

Most debt settlement companies have a minimum debt requirement to ensure a payout. A debt settlement company that charges by saved debt will not run into this problem as much.

Freedom Debt Relief requires a minimum debt amount of $7,500 (the amount of which is charged fees between 15 and 25 percent). While this threshold is low compared to other debt settlement companies, it does rule out people struggling with lower debt amounts.

An additional limitation with Freedom Debt Relief is that the company only works with debtors with unsecured debt. Freedom Debt Relief is not an option for those struggling with secured debt. The difference between unsecured and secured debt is that unsecured debt is not backed by assets or collateral, while secured debt is.

Limited Services

Some debt relief agencies provide services outside of debt settlement, such as credit counseling, advocating for a lower interest rate on your debt, or debt management plans. However, Freedom Debt Relief does not offer these services.

As such, if you choose to go with Freedom Debt Relief to help you work toward resolving your debt, be aware that you will be signing up for a debt settlement program, and may still receive calls from a debt collector or face the risk of a negative impact on your credit score.

Consumer Financial Protection Bureau Lawsuit

In 2019, the Consumer Financial Protection Bureau and Freedom Debt Relief reached an agreement that FDR would do the following:

  • Make it clear that in some cases, FDR may not be able to negotiate a debt if the creditor is unwilling to negotiate
  • Let consumers know that, in some cases, the creditor will only negotiate if the client is also directly involved in the negotiations, and that the consumer has the right to refuse to participate in the negotiations and can remove the debt from their program without penalty
  • Make it clearer to consumers under what circumstances they will be charged a fee
  • Stop charging fees on all accounts where the settlement amount was not reduced, or where the creditor wrote off the debt on their own
  • Make it clearer to consumers that, if they end their program early, any money left in their program savings account belongs to them, minus any funds earned by the company according to legal statutes
  • Pay restitution money to injured consumers
  • Pay a civil penalty

It's a good idea for potential clients to do some research on the process, consumers' rights, and industry standards for settlement companies before setting up a free consultation with a debt settlement service. It's also recommended to read recent customer reviews to get a better sense of Freedom Debt Relief's commitment to clients and how good its settlement services are.

Details and History

Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved billions in consumer debt since its founding in 2002.

The company has considerable industry experience and high client satisfaction ratings.

With all the major industry accreditations, Freedom Debt Relief (FDR) is a great option for many consumers. Its minimum debt requirement is $7,500. Freedom Debt Relief accepts clients dealing with financial hardship that meet this threshold and clients that can make regular payments to an account to pay for settlements. Freedom Debt Relief employs professional debt experts to negotiate and settle debt for those suffering financial hardship.

The company offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 40 states. It does not, however, offer debt management plans or credit counseling for those not interested in debt settlement, as Freedom Debt Relief is a debt settlement company.

On average, Freedom Debt Relief charges 22 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle a $20,000 debt, it will cost around $4,000.

As opposed to a debt consolidation company which consolidates all of a customer's debt into one consolidation loan and one monthly payment, debtors approach Freedom Debt Relief as a last resort in order to escape high amounts of debt and avoid declaring bankruptcy.

Services

As a leading debt settlement company, Freedom Debt Relief offers several services and features to its customers, including:

  • Free consultation with a Certified Debt Consultant
  • Relief for unsecured debts (credit card debt, medical debt, personal loan debt, or department store credit debt)
  • A free debt evaluation
  • An online dashboard to track your progress
  • Debt negotiation
  • Debt settlement
  • And more

Freedom Debt Relief offers a free consultation with a highly trained, IAPDA-certified debt consultant when a consumer decides to enlist the company's debt settlement services.

According to a four-year study by Freedom Debt Relief, its customers start the program with a median of $28,000 in debt, which decreases to $3,800 after 45 months in the program. The graph below shows the decrease in debt over time and how this directly affects the increase in customers' credit scores.

FDR Debt Settlement Graph

One feature that sets FDR apart from the rest is a unique and intuitive online dashboard to track clients' pace throughout the program. This helps people to actually see their progress while settling their debts. It also offers education to help clients improve their financial knowledge.

Not many debt settlement companies in the industry offer this debt relief service as part of their packages.

Pricing

How much does Freedom Debt Relief cost?

On average, Freedom Debt Relief charges $4,000 to settle $20,000 in debt, or about 20-22 percent of total debt. If Freedom Debt Relief cuts your debt in half, you would end up paying $14,000 instead of $20,000.

Users are charged an average of 22 percent of their total debt to use FDR. While this number is in line with their competitors, it is only an average. Customers could end up paying more or less than this to use FDR. FDR’s prices range between 15 and 25 percent. The rates vary depending on the state the client lives in.

Current national debt relief trends indicate that debt settlement companies tend to charge a percentage of enrolled debt as opposed to saved debt. This means that the more total debt you have, the more debt settlement companies will charge you.

Although working with a debt settlement firm still saves you from paying thousands of dollars to creditors, it's better to work with companies that charge a percentage of saved debt rather than enrolled debt.

So exactly how much will Freedom Debt Relief cost you? It will cost you around 22 percent of your total enrolled debt, but you will have to have a consultation to get an accurate estimate. The fee is competitive for the industry. The fee is assessed when a successful settlement is reached.

However, Freedom Debt Relief’s services are high quality and make it easier to make your way to living debt-free.

What is Freedom Debt Relief’s minimum debt requirement?

Freedom Debt Relief has a minimum debt requirement of $7,500. This means if you are looking to settle or reduce your debt but you do not meet this threshold, you will have to find another debt relief company with a lower minimum debt requirement.

However, Freedom Debt has a lower minimum requirement than some other top debt relief companies we have reviewed, so it is still standard for the industry, if not slightly more inclusive and available than some other debt relief companies.

What Customers Are Saying

Want to read real Freedom Debt Relief reviews from verified customers? Do so here. We’ve also included a snapshot of how customers rank Freedom Debt in terms of value, quality, service, and trustworthiness.

Positive Reviews

Most Freedom Debt reviews on Best Company are positive. People commend FDR for having good customer service, explaining debt management, and keeping them updated on where they are at in the debt settlement program.

Clients drowning in high amounts of unsecured debt (credit card debt, personal loans, medical debt, student loan debt) usually find that the company can save them from paying a large percentage of what they owe. One Freedom Debt Relief review even states that the company helped him save several thousand dollars in interest as well as settling all of his outstanding debt.

Despite the debt settlement program's tendency to negatively affect credit scores in the first six months, clients with mountains of credit card debt find it extremely helpful for debt reduction. It's also important for people to know that forgiven debt is considered taxable income, so you may owe more in taxes when using debt settlement services.

Complaints

While most of the Freedom Debt Relief reviews are positive, there are still several Freedom Debt Relief clients who have complaints about the debt relief company. The two main complaints that people seem to have are the following:

  • Debt settlement takes too long or isn't as effective as people hoped
  • FDR charges too much for its services, sometimes costing consumers up to 25 percent of their total enrolled debt

These complaints are fairly common within the debt settlement industry. It’s important for clients to be fully informed about what debt settlement is and how it works. Potential clients should use the free consultation to learn more about the time it takes to reach a settlement and specific price information.

View Freedom Debt Relief reviews below.

The Bottom Line

Freedom Debt Relief is for those who...

  • Have at least $7,500 in unsecured debt
  • Want to work with an industry leader in the debt relief space
  • Value an experienced company with accreditations

Freedom Debt Relief is not for those who...

  • Have less than $7,500 in debt
  • Prefer working with a small company or nonprofit

Should I use Freedom Debt Relief?

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, ample debt settlement experience, thoughtful and experienced debt consultants, negotiation with each creditor, and more. The company's 15 to 25 percent fees are pretty standard in comparison to other debt settlement companies (like National Debt Relief).

If you choose a debt settlement plan to resolve your debts, the debts you settle are marked as "settled" on your credit report. While there are some risks to debt settlement, this process allows you to settle debts, avoid bankruptcy, and become debt-free.

While people interested in other debt resolution methods, like credit counseling, a debt management plan, or debt consolidation loan will need to consider other companies, Freedom Debt Relief is a good option for those seeking a debt settlement program.

FDR's debt negotiation experience is worth the money. Freedom Debt Relief customer reviews relate that the company has saved them thousands of dollars by negotiating with their creditors. If you're looking to settle your debt through debt negotiation and a reliable debt relief program, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from the company during your free consultation.

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Freedom Debt Relief Frequently Asked Questions

What is Freedom Debt Relief?

Freedom Debt Relief is a debt settlement company. The company offers a debt settlement program that helps you get out of debt faster and for less. With over 19 years of experience working to reduce its clients’ debt, Freedom Debt Relief has resolved over $10 billion in debt since 2002.

How does the Freedom Debt Relief program work?

After signing up for Freedom Debt Relief, you make monthly deposits into an FDIC-insured bank account that you own and control. Once enough money has built up into this account, negotiations occur towards resolving each of your debts one by one. Once a settlement offer is obtained, Freedom Debt Relief presents the offer for you to sign off on. If you agree to the terms, the funds in your FDIC-insured account are used to pay the creditor. This is also when Freedom Debt Relief collects its fee. Once the creditor has been paid according to the settlement agreement, the remainder of the debt is written off. This process is repeated with all of your debts until you no longer owe anything on your enrolled debts.

How does Freedom Debt Relief affect your credit?

Freedom Debt Relief could negatively impact your credit as your creditors are not being paid every month. As such, the company will report your missed payments to the credit bureaus, which negatively impacts your score. If you are already behind on payments, however, your credit is already negatively affected, so you should take that into consideration.

How much does Freedom Debt Relief cost?

Freedom Debt Relief's fee ranges from 15%-25% of the debt, depending on the state you live in, how much you owe, and other factors. Under no circumstances, however, will you pay the company the fee in advance of a settlement on a debt.

What kind of debt does Freedom Debt Relief work with?

Debt from credit cards, medical bills, department store cards, and many other types of unsecured debt could qualify for Freedom Debt Relief. However, secured debt that involves collateral, including auto loans, mortgages, and federal student loans, do not qualify.

What happens if a creditor tries to sue me during settlement?

Since you’ve stopped making payments to your creditors, there’s a chance that they may sue you in an attempt to collect what you owe them. Freedom Debt Relief works with a network of lawyers it makes available to help qualifying clients in these situations — at no additional cost.

Is forgiven debt taxable?

According to the IRS, a forgiven debt is considered taxable income. At the end of the year, they will expect taxes to be paid on any settled debt. However, IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, may exempt you from this tax. To learn how forgiven debt could affect your taxes, talk to a tax professional.

Message from
Freedom Debt Relief

Freedom Debt Relief is a debt settlement company that could help you get out of debt with no loan required. Our affordable debt relief program is designed to resolve your debt for less than you currently owe, significantly faster than making minimum payments.

If you’re dealing with $10,000 or more in unsecured debt, like credit cards or personal loans, our program could help you resolve your debt for a price you can actually afford.

As the largest debt settlement company in the United States, Freedom Debt Relief has resolved over $10 billion in debt for over 800,000 clients — and we could help you, too! Find out how much you could save with our program by requesting your free debt evaluation today.

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Star Rating

4.7

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14,684 Reviews

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3%

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1%

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Cindee Mount Airy, MD

I was so stressed during the Pandemic. I was drowning in debt with no way out. It looked like I would not be able to pay it off in my lifetime due to the interest and late fees. I wanted to pay all of my creditors. I did not want to file bankruptcy and walk away. I turned to Freedom due to their outstanding track record and customer service. If you have a steady income , I recommend Freedom Debt Relief. You must stick to your budget and make all payments on time. I sleep much better now knowing that my debts are being paid and fees reduced. Freedom Debt Relief is an open door to a new life. I look forward to graduation. This was the best business decision I could have made. In my. Circumstances. Trust Freedom Debt Relief and become Debt Free. They have great resources to help clients get on a budget . I highly recommend this company Cindee M

1 day ago

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Darlene Lewis Roseboro, NC

So grateful for their program. They thoroughly explained the program and stay in constant communication about my progress. In just a few short months, they have resolved a good part of my debt at a much lower amount than my original balances. I have and will continue to highly recommend this program to my family and friends. Freedom debt relief has not only found financial relief for me, they have eased my worries about my future. The assistance and education they provide has changed my life.

1 day ago

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Lucille Crawford Columbus, OH

My experience with Freedon Debt Relief is I'm treated with consideration given my personal struggles to maitain an open mind on this journey I have chosen to overcome. With the help of Freedom Debt Relief, I have a mind set that is stress free, and they assure me that we, and I can get through this tough situation completely. It has shown me a better way to manage my finances as to not put myself in a situation where I cannot remedy by myself.

4 days ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Lucille. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for being a valued client of Freedom Debt Relief!

Dec. 1st, 2021

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Papa George Archer, FL

previous to her death, my wife battled cancer for many years! After many surgeries, chemo, radiation and monthly treatments at a cancer center, I was left with a monumental credit card debt which I simple could not pay. We had used the credit cards to pay hospital, doctors and expensive treatments. I fell into deep depression. The loss of my wife left a large gap in my income. I felt hopeless! Then someone told me about Freedom Debt. I contacted them. The rest is history! They helped me reduce my debt and in a few months helped me pay off my impossible debt!

5 days ago

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Reply from Freedom Debt Relief

George, thank you very much for reviewing your experience of for sharing this with us. We're so happy to hear how much we have helped alleviate the stress you were experiencing. Thank you for allowing us to be part of your journey towards a debt-free future, and thank you for choosing Freedom Debt Relief!

Nov. 29th, 2021

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Veronica Guess Fort Worth, TX

Freedom Debt Relief has been a blessing to me. I was in debt but didn't know how I would be able to get out of it. Once partnering with FDR I didn't have to worry about anything else. They handled everything and now my debt is settled and I have a new outlook at life with less debt. Thank you FDR for relieving me from debt and releasing the stress I had in my mind. I would definitely recommend FDR to settle anyone's financial obligations.

1 week ago

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Reply from Freedom Debt Relief

Thank you, Veronica, for taking the time to leave us a review! We are so happy to be able to assist you in your journey towards a brighter financial future! Thank you for being a valued client of Freedom Debt Relief!

Nov. 29th, 2021

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Laura Messer Hutchinson, MN

There is no such thing as a perfect way out of debt, but FDR helped me make the best out of a stressful situation. They were very transparent about what the monthly cost would be, how it would impact my credit score, the requirements to stay in the program, and the amount of time it might take to get everything settled. They helped me manage my expectations about creditor calls and how to keep on keepin' on when it got hard. I was able to put some of my Covid relief money toward my dedicated account, which sped up my settlements, and I recenetly qualified for a loan through Freedom's partner company so I could settle my very last account and start rebuilding my credit with regular payments on the personal loan in the same amount as the payments to my dedicated account. I saved some money through the settlements (even with the fees from FDR), but the most important thing for me was that they helped me create a strategy to get off the never-ending treadmill of minimum monthly payments and out of consumer debt quickly. 13 months ago, I was suicidal because I was drowning in debt, and I didn't have a plan. Now, I have hope for a future of financial security and freedom. My credit score has seen better days, but I know that it will recover in time!

2 weeks ago

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Reply from Freedom Debt Relief

Laura, thank you for reviewing your experience with our program. We appreciate you sharing this with us, it is our goal to assist you in every way that we can to help you through this journey. Thank you for trusting this process and rest assured you're in good hands! Thank you for being a valued client of Freedom Debt Relief!

Nov. 18th, 2021

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Joseph Leahy Ocean Bluff, MA

From my initial contact with FDR through almost 3 years in the program, I have never had a bad experience with any of the service reps. I have 9 accounts in the program and all but 1 has been resolved. They do what they say they will do. If you stick with the programmed savings deposits as required, their system works. Yes you should be prepared to take a credit score hit, but the program beats making minimum payments for the rest of your life. The $$ you are saving in the long run is substantial and you can control how fast the system works for you

2 months ago

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Reply from Freedom Debt Relief

Thank you, Joseph, for sharing your exciting feedback with us today! It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 27th, 2021

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Doreen Sanchez

I like how they keep in touch with you via email letting you know whats going on. If they have any issues they will let you know. Also if I have any questions they're always there to answer.

4 days ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Doreen. We believe in being transparent with our clients through this journey and communication is such a huge part of the success of your debt free journey! Thank you for choosing Freedom Debt Relief!

Dec. 1st, 2021

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Tom Watson Brighton, MI

So far they are negotiating for us. But at the same time we haven't gotten a straight answer since we started the program. And now they have offered us a possible loan to get out of the program early. The person we spoke to is just a bully and has made it to where we absolutely don't trust anything anymore and are just going to stay the course and get this over with.

6 days ago

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Reply from Freedom Debt Relief

Tom, we appreciate you taking the time to leave us a review! We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or [email protected] if you have any questions or comments regarding your account.

Nov. 29th, 2021

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Ron Pekkala Camarillo, CA

Freedom Debt Relief has great people on staff; whether it is a welcome aboard greeter when you first become a client or when, as a client, you run into a problem. They are well trained in customer relations making a real effort to assist you. They understand that your situation is not one you enjoy being in. A friendly voice amidst all the angst and confusion is most welcome!

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Ron. It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Thank you for being a valued client of Freedom Debt Relief!

Nov. 12th, 2021

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Angie Weller Ocala, FL

This is the first time I have ever done this to help me in need of this type of relief. I was not and did not know this type of help existed. I did my research on this type of program. I believe this was the best choice and company. I would be glad to recommend this FDR when they are in need of this type of help. I know they are in my interest and I am thrilled to have FDR and how they process this and also keep me aboard on all the decisions.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Angie. We're honored to be your solution to financial relief. If any questions come up along the way, you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or [email protected] Thank you for choosing Freedom Debt Relief!

Nov. 11th, 2021

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Victoria Lynn OConnor Waynesville, NC

This company has helped me breathe again!! you say breathe again, what does that have to with Debt Relief? Well my finances were in such bad shape that I held my breathe every week to see if I had enough money to pay bills or buy food. By joining this program I have been able to systematically reduce my debt by about 35% since I joined about 7 months ago. If I called, I got answers and with those I have always received patient and concise answers! Their support has been palpable, meaning you could feel the effort that they put into making sure your experience goes smoothly and successfully. With a minimal amount of stress and the maximum of information and answers that you need to know how things are going with your account. I would highly recommend these folks to anyone looking for a way out of a bad financial situation!!!

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Victoria. We’re elated to be able to assist you along your debt-free journey. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for being a valued client of Freedom Debt Relief!

Oct. 20th, 2021

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Ashley Samurai Ogden, UT

I had $12,00 in debt that I had accumulated over the past 20 years, I have very little income and didn’t know how I would ever resolve it. I came across Freedom Financial and I am so glad that I decided to go with them! Everyone is so nice and helpful and did a great job at explaining everything to me and making everything clear the payments are flexible and when I had a family emergency I was able to change the amount I paid for that month. They were able to get my debt down from $12,000-$5000 I have already paid off multiple accounts with them I couldn’t have done it without their help I would highly recommend to any students or young adults who are struggling and have death. Thank you so much to Curtis at freedom financial for being so awesome and helping me resolve my debt.

1 month ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience with us, Ashley! We understand things happen in life that can cause financial hardships and we are here by your side to help you on your journey towards a brighter financial future! Thank you for being a valued client of Freedom Debt Relief!

Oct. 14th, 2021

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Christina Sutu-Wallar Concord, CA

I worked with freedom debt relief in a time when I was not so financially responsible. They were able to consolidate my debt, and work with me to find a payment that worked for me. I never felt pressured or hounded, and to be honest I was very nervous before I reached out to them. I did a lot of research when it came to finding the right company for me, and I found that they were very well rated and considered to be top 5 to 10 consolidation companies in the country. I figured if they were rated so high, there is a reason for it, and I came to found out there is - their customer service and their ability to work with you. I guess since they’re such a big company, they have some more leeway compared to smaller companies.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Christina. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for being a valued client of Freedom Debt Relief!

Nov. 10th, 2021

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T. Fort Worth, TX

The list of negatives outweigh the positives of this company. Do NOT do it. I was sweet talked into going this route instead of bankruptcy and I strongly regret it. At this point I have paid too many fees and given too much money to walk away. If I had to do it over again it is a hard NO from me for FDR. Customer service is horrible, no one ever has answers for you that actually mean anything. Constantly told to check the dashboard for answers to questions, but the information is always the same. You never get to talk to the same person twice and no one ever seems to know what is going on. Oh and if a creditor decides to file a lawsuit... Good luck. You are given NOTHING as far as information. "It has been referred to our legal partner network" is the response. However the legal partner network does not communicate with you at all. Even better is that once referred to their legal partners, FDR goes hands off and you have to hope and pray it is being handled properly. I despise this company and strongly regret making the decision to use them. Creditors have reached out to me with settlement offers and I trusted the program so I denied them. Guess what..! Yes FDR settled the debt however, it was MORE than what I could have settled it for myself.

5 days ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience, T. Its never our goal to disappoint you, we would like to communicate with you directly to address these concerns of yours. Thank you for choosing Freedom Debt Relief.

Nov. 30th, 2021

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Lakiya Bennett Washington, DC

I like that they help me by consolidation my bills into one payment that made things affordable for me to maintain my finances and get back on track with my life.

1 week ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Lakiya. Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. Thank you for choosing Freedom Debt Relief!

Nov. 29th, 2021

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Carol Aumann La Crosse, WI

Since I am elderly I find it easier to call for information rather than try to go to the Client Dashboard. Whenever I fax something it takes too long to get to where it needs to go. Other than that everyone has been considerant and knowledgeable.

1 week ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Carol. Our clients are our top priority and ensuring that you feel appreciated and respected is the main goal. Thank you for choosing Freedom Debt Relief!

Nov. 29th, 2021

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Adriano Santos Port Saint Lucie, FL

Freedom Debt Relief has been a lifeline for me at a very, very troubled time in my life. They have negotiated very well for my debts that were acquired due to personal problems that are already resolved. And I am so grateful for FDR's work!!!

2 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Adriano. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for choosing Freedom Debt Relief!

Nov. 19th, 2021

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Norma Olivares FL

Exlent experience has helped me to solve accounts that were unpaid due to the amount of interest on credit tasks. and they have been solved and even lawyers intervene if the case warrants it I am satisfied until now we continue working together with credit relif.

2 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Norma. We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for being a valued client of Freedom Debt Relief!

Nov. 18th, 2021

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David Detschner Lockport, NY

I like the way freedom debt relief has handled my creditors, I do not worry about the collection calls. Freedom debt has always contacted me when they have negotiated a settlement with my creditors I like that very much. I would recommend this program to anybody who is in to deep and think there is no way out.

3 weeks ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience! We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for choosing Freedom Debt Relief!

Nov. 16th, 2021

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Barry Kepp Florissant, MO

Freedom Debt Relief has negotiated excellent settlements with my creditors so far. I've been very happy with them. Also, their rep.'s have been very friendly, helpful, professional, knowledgeable, resourceful, and accessible in answering my questions.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Barry. Our top goal is to make sure we support our clients every step toward a brighter financial future. Thank you for being a valued client of Freedom Debt Relief!

Nov. 12th, 2021

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Estrella Clewiston, FL

So far Freedom Debt Relief has been very helpful in my financial debt situation. They have been able to manage all my accounts accordingly and take care of anything in a timely manner I don't have any negative comments to say about this company. Hoping that once I finalize their program I am able to have a new fresh start with my credit.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Estrella. We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for choosing Freedom Debt Relief to be your guide.

Nov. 12th, 2021

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Donovan Pierce Albuquerque, NM

They have been handling everything since I enrolled. It's been painless and very helpful. When I have had issues, they are quick and friendly to respond through their chat feature.

2 months ago

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Reply from Freedom Debt Relief

Terrific feedback, Donovan! Our top goal is to make sure we support our clients every step toward a brighter financial future. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

Sep. 20th, 2021

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K.M. P. Charlotte, NC

It’s such a huge relief and very freeing to know that you’re getting your life back in order. The Freedom program brought me a sense of stability. They consolidated my debt to make it more manageable for me resolve my debt. They educated me about their program & what it takes to succeed, before the program even started. It was custom debt relief program for me that was personalized to fit my budget and financial goals.

1 week ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience with us! Our program is designed to help you through your debt-free journey! Thank you for choosing Freedom Debt Relief!

Nov. 30th, 2021

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Richard Butler Fort Worth, TX

I am still in my first year with FDR and I have to admit that getting started with negotiations with debtors has seemed ridiculously slow but am sure that it will get going faster as time goes on. At one point my FDR desktop showed debt number four would be negotiated in August to September of 2021 where, in fact, negotiations did not start until September and finalized until October. One other small negative remark is that on the first four debts negotiated were never sent to me for approval. They were simply done and I guess FDR believed I would have agreed to them anyway. My final gripe is that one debt I added after submitting the original 17 debts was entered at the bottom of the list to be negotiated whereas I thought it should be more at the top since the balance is very small ($200.00) and they either have written it off and I believe they might have submitted it to one of the big three Credit Reporting Agencies, namely TransUnion, Experian or Equifax. Now, in late October I am four months away from finishing paying my monthly payments for the first of four years into the program. After those mostly negative remarks I am very happy how things are going otherwise. The monthly debit from my checking account is right on time each month and never early or late. I also appears that the next two will be negotiated between now (October 2021) and January/February 2022. I don’t know where my credit score (Advantage) will be when these four years are past and all creditors will be paid as agreed, but I am hoping my credit score will be no less than what it was when I started this payment plan and agreed-to form of negotiation with FDR.

1 month ago

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Reply from Freedom Debt Relief

Richard, thank you for taking the time to review your experience. Settlements are dependent on accumulating sufficient funds in order to settle the debt and as long as we continue accumulating funds we should have no problems meeting your goals in realistic timeframes! We look forward to assisting you in your debt-free journey. Thank you for choosing Freedom Debt Relief!

Oct. 28th, 2021

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Judi Spencer Cordova, MD

Freedom Debt Relief has been a godsend to me! I had just been through a bad divorce and a horrendous car accident and they have had me back since I joined. Praise God for them! Even when things came up and I had to skip a payment it was no problem, they completely understood and I have paid what I could when I could and got right back on schedule. I don't know any company that does that but they do and did for me!

1 month ago

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Reply from Freedom Debt Relief

Hello Judi, thank you for reviewing your experience. Thank you for sharing that with us, we want you to know that you have our full support at all times. Thank you for choosing Freedom Debt Relief.

Oct. 26th, 2021

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Neal Mount Vernon, NY

We were a 2 income family until the Covid Pandemic started in March of 2020, we fell behind due to the lost of my husband’s income. Once you fall behind your creditors are not willing to work with you. We never paid our bills late and our credit scores were in the mid 700 range. We went to Freedom for their assistance in negotiating with our creditors, my experience has been positive, they were able to work out a payment plan that I could afford since the lost of my husbands income. I recommend Freedom if anyone needs help with getting back on track.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Neal. We applaud each client when taking their first step to becoming debt free as we know it takes a lot to be able to make that decision. Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. Thank you for being a valued client of Freedom Debt Relief!

Oct. 21st, 2021

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Carolyn Tatum Hawley, TX

I have been helped by FDR,in lowering my debt. They have resolved some of my bills and are working on some more. I feel so much better,knowing they are in my corner! Thank you so much! I even have a finishing date,that isn't too far off! I just got an email last week,where they had started paying off another creditor, so, slowly but surely,I will soon be debt free!

1 month ago

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Reply from Freedom Debt Relief

Carolyn, we cannot tell you how elated we are to hear about your experience! Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. Thank you for choosing Freedom Debt Relief!

Oct. 20th, 2021

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Linda Smith

At first I was skeptical about allowing a debt relief service live up to its promises of handling my debt. My income was cut in half and I needed help. The representatives put my mind at ease and explained how my current financial crisis can be managed and relieve me from worry and stress. I can now see a brighter financial future lies ahead. I look forward to freedom from debt and knowing that I have the right tools to achieve my financial goal.

1 month ago

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Reply from Freedom Debt Relief

Linda, thank you for your great feedback. We are very happy to see your determination to completing your goal of becoming debt-free. Thank you for choosing Freedom Debt Relief!

Oct. 14th, 2021

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Abi Deen Frisco, TX

Freedom Debt Relief is a good match for those in debt and need assistance with student loans and other debt. Although the fees can range up to 25% of the settlement amount, it’s worth it! I was able to get a free consultation and overview on how they can help me improve my debt. I definitely recommend Freedom Debt Relief for all your debt settling needs!

2 weeks ago

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Reply from Freedom Debt Relief

Thank you for sharing your experience with us Abi, we are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Nov. 16th, 2021

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Ashley Redmond Hampstead, NC

Wonderful experience so far, has been a lifesaver in helping me get out of debt. Every rep I’ve spoken with has been so helpful.

4 days ago

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Reply from Freedom Debt Relief

Ashley, thank you for taking the time to review your experience! We are committed to providing world-class customer service on a daily basis, our goal is to support our clients the best we can. If you ever come across any questions of concerns please reach out to our customer service team, we are happy to help 7 days a week! Thank you for choosing Freedom Debt Relief!

Nov. 30th, 2021

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Linda Harloff Centereach, NY

Freedom Debt Relief is very informative and keeps you on top of things. I am new to this process and I am impressed with this company. Keep up the good work FDR. 🙂

1 week ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Linda. We are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Nov. 22nd, 2021

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Klondike Cat New York, NY

Dealing with debt is extremely stressful. Many clerks on the help line do not give a caring attitude, and often don't work well. When I have to demand a supervisor it is an indication something is wrong. Outside my phone problems I am pleased with the ongoing progress FDR is making.

2 weeks ago

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Reply from Freedom Debt Relief

Hello Cat, thank you for your feedback. We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for being a valued client of Freedom Debt Relief!

Nov. 16th, 2021

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Debbie Crocker Farmington, MO

Very kind and informative when calling to check in on my account. Everyone is helpful and ready to help you with questions. I think they are reputable. Company to have on my side.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Debbie. We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for choosing Freedom Debt Relief!

Nov. 11th, 2021

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Matt Clinger Nashville, TN

I am not happy as this has taken WAY longer than I was told it would, and my credit has still not gotten any better. I fact, my credit is lower now than it was before it started and by 60 points!! I am not happy as I was told this would be a 4 year process and be done mid 2021… it is showing am now not going to be don’t until 2023. So needless to say I am paying way more than I should have to, as this whole purpose was to get my $19k of credit card debt paid off in 3-4 years max, and for less than half, of what I owed… this is FALSE and I am already well over $7500 with 2 years more minimum.. this will take me above what the girl promised me when I agreed to do this program. Plus they drag it out by paying them off at $25 per month, which is how they take more of my money because the longer it takes to pay off, the more they make from my monthly payment. I am super unhappy and wish I would have just continued paying what I was paying as I would have had it all paid off by now. I would not suggest using Freedom Debt unless you are so desperate that you can go 6 years with horrible credit and pay more than they promised you would pay. I should have listened to my wife, she told me it was a scam and she looks to be right yet again.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Matt , thank you for taking the time to review your experience. We strive to provide great service and provide debt relief. We take feedback very seriously and for those reasons an account specialist will reach out to you shortly regarding your experience. Thank you for choosing Freedom Debt Relief.

Nov. 10th, 2021

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Renee' Brown Lakeland, FL

I called to have them pay off 2 of my enrolled debts and it wasn’t done. I just checked again and it still isn’t done. I would like this taken care of and retroactive to my request date. I want my credit reports to be updated. I have the money in my enrolled account and don’t understand why you would continue to pay each month when some of the accounts could’ve already been updated.

4 weeks ago

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Reply from Freedom Debt Relief

Hi Renee', thank you for taking the time to review your experience. We strive to provide great service and provide debt relief. We take feedback very seriously and for those reasons an account specialist will reachout to you shortly regarding your experience. Thank you for choosing Freedom Debt Relief.

Nov. 5th, 2021

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Eloise Bennett Central Islip, NY

FDR has helped me to get ahead of my debt I'm now going on my third year with them. It's help me to manage my finances and understand how to budget as well

2 months ago

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Reply from Freedom Debt Relief

That's great to hear, Eloise! We are glad to hear that not only are we helping you solve your debt, we are also helping you mange your finances and teaching you to budget! Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Sep. 14th, 2021

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Karen Steele Lexington, NC

Freedom Debt Relief worked for me in resolving my debt . I just received my final debt resolution this week. I can not express the relief knowing I am almost at the end. While at times the process seemed slow they were there working in the background securing the best results for me.

1 month ago

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Reply from Freedom Debt Relief

Karen, thank you for reviewing your experience! Your hard work is finally paying off! Congratulations ands thank you for choosing Freedom Debt Relief as your guide to wards financial freedom!

Nov. 2nd, 2021

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ruben 5150 San Antonio, TX

I was skeptic about this program but once I enrolled use my dashboard then started making my monthly payments I finally got my first debts settled I was so excited this program really works and I really appreciate and thanks to everyone behind the scenes helping me with my financial debt thank you

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Ruben. We’re elated to see you are using your Client Dashboard! This is a great tool to use to stay informed of your program progress! Thank you for being a valued client of Freedom Debt Relief!

Nov. 2nd, 2021

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Ryan Kunz Denver, CO

Freedom Debt Relief has been awesome. They helped to get back on top of my finances. They settled my debts for much less than I owe. At times it was difficult to trust the plan, but I stuck to it and they really do know what they are doing.

1 month ago

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Reply from Freedom Debt Relief

Thank you for sharing your experience with us, Ryan! Our negotiations team takes pride in making sure our clients meet their goal of becoming debt-free. Thank you for being a valued client of Freedom Debt Relief!

Oct. 15th, 2021

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Brad Higginson, AR

Due to the amount of time it took and interest and fees being accrued with creditors and fees charged by FDR, even after the "50%" reduced debt I ended up paying the same amount I would've just paid to the creditors. And my credit score didn't benefit in any way. In short I could have just closed the accounts and paid off the balance myself and benefited more. I wasn't going to bring this up but I was sent numerous emails asking over and over so there's my experience.

3 months ago

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Reply from Freedom Debt Relief

Thank you, Brad, for sharing your experience online. Even with our fees, you still save more money than you would be paying the creditors directly. The goal of our negotiations team is to meet our clients' goals of becoming debt-free. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Aug. 20th, 2021

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Rishard Krehe Orlando, FL

I would recommend to anyone who wants their debt to resolve quickly. Freedom debt relief have save me lots of money. It's a relief knowing that they Take care their clients and are always there for them. Customer care reps are eager to help and knowledgeable thats the reason I give the 5 stars

3 weeks ago

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Reply from Freedom Debt Relief

Rishard, we appreciate you taking the time to leave us a review! It's great to hear you received the utmost level of customer service when speaking with us. Please let us know how we can continue supporting your journey to financial freedom. Thank you for choosing Freedom Debt Relief!

Nov. 11th, 2021

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Shaketita Bates Florence, AL

I have had only positive experiences with FDR. They have resolved several of my debts fairly quickly and have reached settlements with companies that refused to work with me individually. The only con is that I wish that I could resolve the program quicker but that would mean more money out of my pocket each month so I am satisfied with the progress that I am making in the program at this time.

2 months ago

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Reply from Freedom Debt Relief

We are happy to hear that, Shaketita! There is nothing greater than knowing that we are making a difference in our client's lives. Our top goal is to make sure we support our clients every step toward a brighter financial future. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

Oct. 4th, 2021

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Carol Cadaret Ida, MI

They took a BIG BURDEN off my shoulders. I have NO REGRETS. Yes my credit score dropped but I can rebuild it back up again and do it better this time.I feel like I'm in a better place now. With a lot less stress. Do it for yourself. Freedom Debit relief works with what you can afford. It was less money than I was paying monthly on my accounts, so it put extra money back in my purse. Thank you Freedom financial.

2 months ago

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Reply from Freedom Debt Relief

We are so happy to hear this, Carol! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 27th, 2021

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John Marchese Pittsburgh, PA

I was excited about my debt being gone so quickly compared to the original loan time frames, but I was very "skeptical" in the beginning about letting my payments go past due. A few months into the program, BEST DECISION I'VE EVER MADE! My debt is disappearing little by little and it feels great knowing my money is not being wasted anymore or going to these companies that are getting rich off of being predators. This program is changing my life for the better and I am so very grateful 🙏🏻!

2 months ago

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Reply from Freedom Debt Relief

Terrific feedback, John. Hearing that you were skeptical of our program at the beginning to now saying it was the "best decision" is beyond rewarding! It's always great to hear clients share how pleased they are with our service efforts. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 24th, 2021

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Jennifer Faulhaber Imperial, MO

I had hit a time where making monthly payments was getting difficult because of a change in Job and pay schedule. With Freedom Debt, I make one monthly payment and they pretty much do the rest. I have already settled with one credit card company and will be done with the second this month. Beginning to breathe again and honestly it’s nice paying outright for purchases!

2 months ago

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Reply from Freedom Debt Relief

Terrific feedback, Jennifer! Our top goal is to make sure we support our clients every step toward a brighter financial future. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

Sep. 16th, 2021

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Jimmy K Rockwood, TN

Very friendly and knowledgeable,my phone calls have been answered fast.Its the easiest bunch to deal with I have encountered anywhere on anything.I will definitely tell my friends if they are having financial difficulty.I don't know what else to say other than you people are outstanding and excellent.Keep up the great work.It says to atleast 40 words for this review,I can't think of what else to say .... .... .... .... .... .... .... .... .... .... .... .... ... .... .... .....

2 months ago

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Reply from Freedom Debt Relief

We appreciate your feedback, Jimmy! It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 16th, 2021

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Gena Edmundson Austin, TX

This company is top notch!! They are always very helpful and willing to answer any of my questions or resolve any problems that may come up. Everything was explained to me in full detail at the beginning and they are always in touch with me about my enrolled debt, They always send you emails about like what to do when you get a settlement on 1 of your creditors and what to do if the collection companies call. This company has no hidden agenda like most companies, whatever they tell you their going to do and what will happen - is true 100%.

2 months ago

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Reply from Freedom Debt Relief

Thank you for your amazing feedback, Gena! It is always great to hear clients share how they've benefited from our program. Our top goal is to make sure we support our clients every step toward their brighter financial future. Thank you for being what makes Freedom Debt Relief great and for choosing us!

Sep. 14th, 2021

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Jeffrey Roberts Minneapolis, MN

Freedom has-been a big help in getting me out of debt. They answer all my question and helped decide what was mybest option for me to get out of debt . The more u put into it the faster they can get u out of debt and even after they make a little money I'm still better off then I was I think it was about 4000 dollars better off and it would have just keep going up because of all the fee and interest rate

2 months ago

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Reply from Freedom Debt Relief

Jeffrey, thank you for taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we'll be right by your side. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Sep. 10th, 2021

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Marilyn Vero Beach, FL

Freedom Debt relief is a great company to work with. Whenever you talk to somebody there, they always give you the right answer. They always give me updates. Everyone has been great. It has been two years and we are getting to the end and it has been helpful. I am happy with it.

4 months ago

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Reply from Freedom Debt Relief

Thank you, Marilyn, for taking the time to leave us a review! Our team takes pride in making sure our clients meet their goals of becoming debt-free and we'll always be right by your side. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021