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Freedom Debt Relief

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14,564 User Reviews

9.9

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LAST UPDATED: September 24th, 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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4.7

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14,564 Reviews

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3%

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1%

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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.

4 days 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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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 🙏🏻!

1 day 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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Marie Long Beach, NY

They have been amazing from the start, truthful, understanding, and always there to answer any questions or concerns that I had! Thank God for them!

4 days ago

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Reply from Freedom Debt Relief

Marie, we appreciate you taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process 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!

Sep. 20th, 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

1 week 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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Mary Jane Woodman Urbandale, IA

I am most grateful for the debt assistance I have received from FDR. They have provided me with a viable solution to being over my head with debt that only continued to push me further and further into debt. Now I have a goal in achieving a debt free status.

3 days ago

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Reply from Freedom Debt Relief

Congratulations, Mary, on the progress you've made! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 22nd, 2021

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Barbara Neff Slatington, PA

It's amazing how many of my credit card have been taken care of because of consolidating my dating my credit card payments add payments through freedom from debt relief. I have 2 more to go and they're all paid. I am grateful for their help getting me out of the situation and put myself in.

3 days ago

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Reply from Freedom Debt Relief

Congratulations, Barbara, on the progress you've made! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 21st, 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!

1 week 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 .... .... .... .... .... .... .... .... .... .... .... .... ... .... .... .....

1 week 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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Paz Las Vegas, NV

I am a happy customer of Freedom Debt Relief. I never knew that there is such company that can help me with my debts. I received a flyer/advertisement n the mail and called them to check them out. They were professional in dealing with people like me despair in getting out of debt. They explained the process in detail and what to expect from me and vice versa. Every time I have a question they were there to answer and to resolve any issues. All the employees/agents I spoke were very polite, sincere and compassionate. They also kept me up-to-date of any actions that needed my attention.

3 weeks ago

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Reply from Freedom Debt Relief

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

Sep. 2nd, 2021

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Paul Fadeley Buffalo, NY

The whole team has honestly stayed with me the entire time and helped guide me through the whole process!!!!

4 days ago

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Reply from Freedom Debt Relief

Paul, we appreciate you taking the time to leave us a review! We're elated to hear about your success thus far and we look forward to you becoming debt-free. Please log onto your Client Dashboard for account updates. Thank you for choosing Freedom Debt Relief!

Sep. 20th, 2021

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cathy young-parker Centreville, VA

I was referred by a friend, I started and have done very well with a my debt. I am thankful for your program,and I hope my credit score goes up soon. It seems like I zoomed through the program. Thank you. I am pleased.

1 day ago

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Reply from Freedom Debt Relief

You make some excellent points, Cathy! Thank you for sharing your amazing feedback with us. It's always rewarding to hear clients share how they've benefited from our program. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 24th, 2021

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David Albuquerque, NM

Well FDR has done a good job of negotiating until now. Waited for several months to initiate negotiations with one of last two debts, finally had offer of less than 5 % reduction on current debt and did accept result of higher amount originally enrolled a year and half earlier. One more to go, expecting way better result now!! Was disappointed in negotiable.

2 days ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding our negotiation efforts, David. Our goal is to make sure our clients feel thoroughly supported at every step of our program. Trust in knowing our negotiators will always take the first opportunity to obtain the best settlements possible. Our Client Services team is more than happy to explain how. We're available 7 days a week to support your financial needs. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 24th, 2021

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Beverly L Tujague Davison, MI

I am somewhat confused about prices. However, they communicate keeping me aware of what is happening and who is being paid and how much. My credit rating has improved significantly. I believe in this company. I am happy that have employed them to help. They are doing what I pay them for and I strongly recommend them.

4 days ago

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Reply from Freedom Debt Relief

We appreciate your understanding and patience, Beverly. Thank you for recommending our program, 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.

Sep. 20th, 2021

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Yvonne Melchor El Paso, TX

I started with Freedom Debit Relief as soon the pandemic started I was hit hard max my credit cards they understand stood and was able to help with my debit. I couldn’t be any happier with them no hassles they did what they say they are going to do! They give me a piece of mind

1 week ago

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Reply from Freedom Debt Relief

Terrific feedback, Yvonne. Hearing that our service has provided you with peace of mind 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. 16th, 2021

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Sherree L Rogers Ossian, IN

They were very helpful about explaining the program and how it works. Took me step by step in tell me what I needed to do and how to do it. In the being they reached out to me letting me know how everything was going. The dashboard is fantastic. The only thing I miss is that personal touch that I had in the beginning.

1 week ago

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Reply from Freedom Debt Relief

Thank you for taking the time to leave your feedback, Sherree! It's always great to hear clients share how pleased they are with our service efforts, exceptional team, and resources available. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Sep. 16th, 2021

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Carolyn Twiss Coraopolis, PA

Having support during my debt program is both helpful by targeting my accounts and reassuring because as any issue arises, Freedom is supportive each step of the way. Even though I screwed up, having a partner to deal with debt keeps me focused and motivated. Looking forward to PAID IN FULL.

1 week ago

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Reply from Freedom Debt Relief

Thank you for your great feedback, Carolyn! We are glad to hear that we have been supportive throughout the whole process. Please let us know how we can continue supporting your journey to financial freedom. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 14th, 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.

1 month 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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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 weeks 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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Shirley Murphy Eau Claire, WI

Very knowledgeable and sincere. The agent I worked with really took his time explaining things every step of the way. Very positive and encouraging. I felt comfortable and I fell I have put my trust into the best program out there. I wouldn’t hesitate to Recommend FDR to any family or friend! Very patient and understanding and gave me confidence in myself and the program. They really make a difference.

3 weeks ago

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Reply from Freedom Debt Relief

Shirley, 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 always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Sep. 4th, 2021

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NITA M CA

From the start all the customer service and the account reps are very knowledgeable, helpful and pleasant. The process of getting into the program was quick and stress free. Only in a few months of enrollment, FDR already helping me getting 2-3 settlements. And I love the on line account dashboard very easy to access, to read and easy to upload any documents related to the debt free process and also a lot of useful links or videos for the program. Overall I am a Happy Customer. -YM-

3 weeks ago

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Reply from Freedom Debt Relief

Hello, Nita! 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. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Sep. 2nd, 2021

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Christine Muncie, IN

The best thing for me at FDR is the customer care. For the first three months I was doubtful but when I saw the amount of the negotiated settlement, my doubts began to go down. Finally a big debt was negotiated and cut in half. That was wonderful news for me. In the period during which I had my doubts, I called FDR often but each time I did, the agent settled my doubt. And each and every one sounded caring and very respectful of my economic problems. I am now pleased with the way FDR is resolving my debts and I recommend the company without a doubt.

3 weeks ago

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Reply from Freedom Debt Relief

Christine, we appreciate you taking the time to leave us a review! We're elated to hear about your success thus far and we look forward to you becoming debt-free. Our team takes pride in making sure our clients are supported throughout the process 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!

Aug. 30th, 2021

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star star star star star

Melanie Kalispell, MT

I think they do a great job. The people are really friendly and helpful. They know what they are talking about and don’t speak in a way that people can’t understand. It takes a lot of the stress off. I couldn’t have done it myself and I really didn’t want to file for bankruptcy and they were able to find a solution and work with me.

2 months ago

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Reply from Freedom Debt Relief

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

Jul. 22nd, 2021

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star star star star star

Kathi Trona, CA

Really good customer service. They are always quick to serve you and help with whatever you are calling for. I really appreciate that because good customer service is hard to find these days. It is easy to get information. I think the new visual really helps. It is a really good company.

2 months ago

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Reply from Freedom Debt Relief

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

Jul. 22nd, 2021

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Verified Customer

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star star star star star

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.

2 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

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star star star star star

Janice Platte City, MO

We’ve been with them about two years now and they have never done anything where they haven’t told me and submitted in writing first, they follow their guidelines. It was totally the right thing for us. We never encountered anyone that wasn’t pleasant. They are wonderful.

2 months ago

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Reply from Freedom Debt Relief

Hello, Janice! We appreciate you taking the time to leave us a review. Our team takes pride in making sure our clients are supported throughout the process and we look forward to your brighter financial future. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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Verified Customer

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star star star star star

Jocelyn Ridgewood, NY

Overall I am satisfied. They helped me tremendously with the planning and budgeting and making sure I met my goals in a certain amount of time. If I ask a question, I knew I was given the most accurate answer. They are accommodating and respectful and is the easiest and quickest way to get it done.

2 months ago

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Reply from Freedom Debt Relief

Jocelyn, we appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients 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

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Verified Customer

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star star star star star

Chelsea Oplt Ormond Beach, FL

Great Customer service. Advocate to help and settle debt for their clients in a friendly and professional manner.

1 week ago

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Reply from Freedom Debt Relief

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

Sep. 14th, 2021

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Verified Customer

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star star star star star

Jeanne Fox Leesburg, FL

In 2 1/2 years, FDR has helped me to just about wipeout my debt and get me back on the road to great credit.

1 week ago

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Reply from Freedom Debt Relief

That is great news, Jeanne! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 14th, 2021

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Verified Customer

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Review Source

star star star star star

Joni Lindsay Salt Lake City, UT

I have appreciated how they have negotiated settlements and reduced my debt while having enough flexibility to delay payment due dates when my income was less than reliable.

1 month ago

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Reply from Freedom Debt Relief

Hello, Joni! We appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients 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. 29th, 2021

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star star star star star

Erica Newhart Bedford, TX

I've only been working with Freedom Debt Relief for less than a year, but I could not be more pleased with the support I have received thus far. I have felt nothing but confident and secure knowing that my debt is being resolved in a professional way. I have already received two settlements and look forward to their continued assistance!

2 weeks ago

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Reply from Freedom Debt Relief

Thank you, Erica, 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 always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Sep. 10th, 2021

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star star star star star

Lupe Karnes City, TX

FDR has worked diligently to resolve my debt. Have stayed in touch with me through the process with care and concern. They are very trustworthy and are available anytime I need them. I recommend them to anyone who needs help with their credit card debt or other debts that need attention if you’re having a hard time handling it yourself.

2 weeks ago

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Reply from Freedom Debt Relief

Hello, Lupe! 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 always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Sep. 10th, 2021

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star star star star star

Michaella Esters Bellevue, NE

This company truly cares. I have never ever sent something in or left a message and have no one get back to me. They ALWAYS respond within 24-48 hours. They are nice people and seem not to judge when we speak. I am truly blessed to have such a wonderful company to work with.

2 weeks ago

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Reply from Freedom Debt Relief

Hello, Michaella! We appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we'll always have your back. Please be sure to call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Sep. 10th, 2021

star star star star star_border

Robert Tolento Elizabeth, NJ

Customer service is great I never had a major issue but I'd I called about payment or other questions they were thr greatest. TO be honest I don't have a complaint things have gone smooth and Freedom Debt has been meeting everything they said they would do or try. Well I would to say that there effort on my behalf has been great and they are not just trying but they are doing.

3 weeks ago

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Reply from Freedom Debt Relief

Thank you, Robert, for taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process 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!

Sep. 2nd, 2021

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Verified Customer

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star star star star star

James Tucson, AZ

It's pretty easy. They kept in contact with me by email. I am in a much better place than when I started. I had a couple of credit card companies sue me and they took care of that.

2 months ago

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Reply from Freedom Debt Relief

Hello, James! We appreciate you taking the time to leave us a review. Our team takes pride in providing world-class customer service to our clients and we'll always be right by your side. Please call us at 800-655-6303 if you have any questions regarding your program. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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star star star star star

April Lipp Nelsonville, OH

Freedom has been over the top with their customer service. They work to get you the best settlements. At times it was hard understanding the payment structures but trust me when I say trust it and go with it because it truly will play out in YOUR best interest. I was very skeptical in choosing this route to get out from under alot a debt but it WORKS and I am happy that I trusted Freedom!!

1 month ago

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Reply from Freedom Debt Relief

Hello, April! We appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients 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!

Aug. 24th, 2021

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Review Source

star star star star star

Eileen Rozelle Leavenworth, KS

They are always prompt to let me know what debt is being worked on. Up to date on when debt is written off. I totally appreciate all the help thy are giving me, when I didn't know what to do first about my debts. So far, there is nothing I dislike about this company. They have been keeping me informed, as to where I stand in regard to my debts. Thank you

1 month ago

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Reply from Freedom Debt Relief

Thank you for taking the time to share with us, Eileen. We are thrilled you're using the Customer Service Dashboard to keep track of your progress. If you have any questions just give us a call at 800-655-6303, our Customer Service Representatives are ready to help. Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

Aug. 19th, 2021

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star star star star star

Lou Ann Badger Fallon, NV

My experience with Freedom Debt Relief has been wonderful. From the first day I talked to the rep from Freedom Debt Relief things have moved along great. It has taken awhile and probably has awhile to go before it is all taken care of. I appreciate their help and the way they have handled my case (I suppose that is what you would call it. I appreciate how they have handled the whole experience by keeping the information and my using them confidential. The whole experience has truly been amazing!

1 month ago

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Reply from Freedom Debt Relief

Thank you, Lou Ann, for taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process and if you have any questions, please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Aug. 19th, 2021

star star star star star

M Bender Fort Myers, FL

I knew I would never be able to get myself out of the hole I had dug for myself financially. I reached out to FDR and the compassion and eagerness to help me was just what I needed. They have settled my last account and I now can see the light at the end of the tunnel. The fact that I will now be debt free is beyond liberating. I cannot thank FDR enough for the assistance in negotiating my outstanding debt. Declaring bankruptcy was never an option for me and with FDR's help, my credit rating is on the upswing and I am close to where I was when I initially began this journey.

1 month ago

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Reply from Freedom Debt Relief

Thank you, M, 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 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!

Aug. 5th, 2021

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star star star star star

Michele Livesay Redmond, WA

I had some specific questions regarding my Freedom Debt Relief account so I called and reached Kelly. She was so helpful answering my questions in a friendly professional manner. She did not rush through the conversation but listened and gave me time to voice my questions. She gave thoughtful answers and was so knowledgeable regarding the entire process. Kudos to Kelly for all her help.

1 month ago

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Reply from Freedom Debt Relief

Thank you, Michele, 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 always have your back. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 29th, 2021

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Verified Customer

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star star star star star

Neilan Jamison Rockaway Beach, MO

I am always informed about my account. The service is excellent.

4 days ago

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Reply from Freedom Debt Relief

Your amazing feedback is appreciated, Neilan We're honored to be your solution to financial relief. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 20th, 2021

star star star star star

Anita Lewis Evansville, IN

When I first contacted FDR, I was really worried that they could not help me and that the plan they wanted me to agree to, would not work. I was really scared. I almost backed out of the agreement. I am so glad I decided not to. I have been in the program long enough that I have accepted a settlement agreement with many creditors and only have one left to settle. I made my payments every month and FDR followed through on the rest. I even found a way to pay extra a couple of times, which also speed up the process. Thanks to FDR, I am on my way to getting myself back where I needed to be financially. We all make mistakes at times. I know I did, by letting my credit card debt get out of hand. The responsible thing for me to do was to realize I needed to address this problem, learn more about money management, and move forward. I also love their website! There are so many tools and so much valuable information on the website. I can also see what statis all of my accounts are in, what payments are being made, and the balance of my dedicated account. The honesty and dedication of FDR are amazing. Working through their program has been one of the best decisions I have made!

2 months ago

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Reply from Freedom Debt Relief

Anita, we cannot tell you how happy it makes us to hear about your experience! We're elated to be able to assist you along your debt-free journey and we'll always have your back. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 20th, 2021

star star star star star

Eric Krupnick Ellicott City, MD

For now I'm going to give 5 stars. I may update this later. I love how nice, understanding, and amazing everyone at freedom is in customer service. I've talked to multiple people, and everyone has been great. So far I've settled two of my cards , which I'm do excited about. On what to improve is perhaps negotiating debt? I'd like to talk to someone who does the negotiating. I'm reading, and learning a lot on how all of this is done. I recently rejected my third offer because previously my own credit company offered me a much lower settlement. I'm praying freedom can negotiate a better settlement. Things have been hard financially before covid, more so since then, and now with job changes, etc. I just want to be debt free soon with the best deal possible. Thank you freedom for all you are doing for me. So really I would like to be involved more in the process of how negotiating is done. So 5 stars at this point.

2 months ago

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Reply from Freedom Debt Relief

Eric, we cannot tell you how happy it makes us to hear about your experience! Our team takes pride in providing world-class customer service to our clients and we'll always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 14th, 2021

star star star star star

Karol Braz Gloucester, MA

I enrolled in sept 2020. I had 20,400 dollars in debt. One thing you need to know is that when you stop paying your credit cards you accrue more debt. They resolve it based on the accrued debt. The percent in the amount they settled is based on the new accrued debt due to not paying your credit cards. Biggest thing is to put as much as possible to the debt monthly. I was a client who paid my bills on time but was not making headway. It was difficult not paying my bills. Put that money to paying down that debt. Trust them, relax and enjoy not being stressed. Your credit score will plummet. Make sure you don’t have to move anytime soon. Good luck!!

2 months ago

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Reply from Freedom Debt Relief

Thank you, Karol, 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 always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 2nd, 2021

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star star star star star

Rae C Avey Yellville, AR

I am very pleased with the kind and helpful service I recieved. No complaints at all.

1 week ago

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Reply from Freedom Debt Relief

We are pleased to hear it, Rae! Our team takes pride in making sure our clients are supported throughout the process 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!

Sep. 14th, 2021

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star star star star star

Suzanne Lakewood, CO

They have helped me to get control of my finances and the customer support is amazing!

1 week ago

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Reply from Freedom Debt Relief

Thank you for amazing feedback, Suzanne! We are glad to hear that we've been able to help you take control over your finances and that our customer service team has done their best to help you out! Our team takes pride in making sure our clients are supported throughout the process 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!

Sep. 14th, 2021

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Verified Customer

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star star star star star

Stephanie Schultz Las Vegas, NV

Enrolling with Freedom Debt Relief was the best course of action I've done after coming to terms that I was way over my head with debt. From my own personal experience Freedom Debt Relief associates have been nothing more than kind and reassuring in my journey to get out of debt. With their helpful associates and helpful articles/videos I've ceased worrying and continue to pay into my account to help speed up the graduation program. I am happy to say that from the nine in my account have been completed, three being paid off and the remaining in negotiations. Another thing that I'd like about it they give you the option to either increase your payments for a faster completion or pay more into when you can.

8 months ago

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Reply from Freedom Debt Relief

Thank you, Stephanie, for taking the time to leave us a review! We're overjoyed to hear about your experience with our team and we're always here for you. If you have any questions, please call us at 800-655-6303. Thank you for being a valued client of Freedom Debt Relief!

Jan. 20th, 2021

star star star star star

loretta M. Washington, DC

Freedom Debt relief stays on top of your credit and the Company is perfect and all the staff gors the distance to get your life back on track.

4 days ago

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Reply from Freedom Debt Relief

Thank you, Loretta, 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. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 20th, 2021

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star star star star star

joy mcgee Kansas City, MO

I have been very happy with my decision to get help through FDR! They are keeping me informed on everything, & “holding my hand” through all of it!

1 week ago

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Reply from Freedom Debt Relief

Terrific feedback, Joy! 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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cheryl L sioma Boston, VA

I applied to FDR to get a loan, after receiving many, many, ads in the mail. I was turned down. However, they encouraged me to apply to FDR and I did., EVEN THO NOT ONE OF MY PAYMENTS WAS BEHIND OR LATE. after a year, they bugged me for 2 months to get a loan, through them, which I refused! Now they seam so happy to be paying off my cards....but.......They waited till over a year of late charges have incurred, and then claim they are paying off my card by half. well, if I remove all the late charges, then they only paid off the interest. Oh, most government programs do not charge for the same services. FDR charges you a lot! Not at all happy with them and you will NEVER be able to speak to a person. EVER.

1 week ago

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Reply from Freedom Debt Relief

We never intended to disappoint you, Cheryl. Our goal is to support our clients' every step. An account specialist will be reviewing your account shortly. We will be sure to reach out to you if necessary. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 17th, 2021

star star star star star

Angela Smith Fort Mitchell, KY

FREEDOM DEBT RELIEF was a big help! My husband and I were suddenly on disability with credit card debt to pay. They helped us arrange a plan to fit our limited budget!

1 week ago

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Reply from Freedom Debt Relief

Amazing feedback, Angela! We are so happy to hear that we were able to arrange a plan to fit your needs! It's always rewarding to hear clients share how they've benefited from our program. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Sep. 16th, 2021

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