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Freedom Debt Relief

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LAST UPDATED: March 27th, 2023

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 program payments to an account to fund settlements. Freedom Debt Relief employs professional debt experts to negotiate and settle debt for those suffering financial hardship.

FDR offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 32 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 23 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle an account enrolled at $5,000, it will cost around $1,150. 

View Freedom Debt Relief reviews below.

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The Good

  • Excellent Settlement Program and Debt Relief Services
  • Experience and Accreditations
  • Great Freedom Debt Relief Reviews
  • Online Dashboard
  • No Fees Charged Until After Debt Is Settled

Excellent Settlement Program and Debt Relief Services

As a leading debt settlement company, Freedom Debt Relief has several great advantages to its debt settlement services, including

  • Low minimum of $7,500 in debt to begin debt settlement
  • Costs between 15 and 25 percent of the total unsecured debt
  • Free consultation with a Certified Debt Consultant

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

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief has over 20 years of experience in the debt settlement industry. It has settled over four million accounts since its founding and regularly settles over $16 billion in debt.

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

Great Freedom Debt Relief 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. 

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.

Online Dashboard

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 tool as part of their packages.

No Fees Charged Until After Debt Is Settled

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 negotiate their debt and relieve their burden.

Freedom Debt Relief doesn't charge an upfront fee or any other fees until after debt is settled with creditors, the settlement has been authorized with the client, and the first payment has been made. 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 the monthly deposit that was agreed upon into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

Next, FDR's representatives will negotiate with your creditors to settle your debt.

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 23 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.

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The Bad

  • Freedom Debt Relief Cost
  • Limited Availability
  • Limited Services
  • Complaints
  • Consumer Financial Protection Bureau Lawsuit

Freedom Debt Relief Cost

To settle an account enrolled at $5,000, it will cost around $1,150 (or about 23 percent of the enrolled debt).

Users are charged an average of 23 percent of their total enrolled 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 23 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 has been authorized and the first payment has been made.

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

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 32 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. 

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.

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.

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The Bottom Line

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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15,872 Reviews

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3%

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1%

1 grade

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Review Source

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Randy Bryan Rowlett, TX

When I started with FDR 2 years ago I was nervous and yes a little scared. My credit score tanked and my phone constantly rang with creditors but it didn't take long for FDR to engage the creditors and the calls stopped. They have paid off my debt as estimated in the beginning and my credit score has soared. I am back to almost 800 without debt hanging over my head and it feels great. Thank you for all your help and support FDR!!! James Bryan

5 days ago

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Reply from Freedom Debt Relief

Hi Randy, it is great to hear that you are happy with your progress so far. Rest assured that we will continue to work hard on your behalf to settle your accounts and obtain the best savings possible, across all of your accounts!

Mar. 28th, 2023

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shambhoo karki Avon, MA

Freedom Debt company is a friend in need and a friend indeed. I was in a do and die situation when all the credit card company were calling for payments. One fine morning I called Freedom Debt Relief Company and my worries were taken care off.While I was almost done with credit companies except the last one which put forward lawsuits gave me another jolt but that too handled promptly and I became fully relieved. I thank Freedom Debt from the core of my heart. Thank you Shambhoo

5 days ago

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Reply from Freedom Debt Relief

Hi, thank you for sharing your pleasant experience with us! We are happy to be able to help you during times of stress and need. Please let us know how we can continue to support you in your journey to financial freedom!

Mar. 28th, 2023

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Ron Biniecki North Tonawanda, NY

They've negotiated two settlements in 6 months with very little effort required on my part, make payments be patient and they handle practically everything i just authorize the settlement once they have it worked out and they use the dedicated account funds i've been depositing to handle it

4 days ago

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Reply from Freedom Debt Relief

Hi Ron, thank you for this review! We want this process to be as easy as possible - just stick to your monthly deposits and we take care of the rest! Thank you for being consistent and the best part of Freedom Debt Relief.

Mar. 28th, 2023

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Bruce Famoly Cortland, NY

I was delighted at their fast response to my inquiry. They not only responded quickly but professionally and courteously to my questions and subsequently explained their service thoroughly and thoughtfully. Since I signed on to FDR they have worked diligently to reduce my debt and have stayed in constant touch with me about our progress.

4 days ago

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Reply from Freedom Debt Relief

Bruce, it is great to hear that you are happy with your progress so far. Rest assured that we will continue to work hard on your behalf to settle your accounts and obtain the best savings possible, across all of your accounts!

Mar. 28th, 2023

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Richard Bourassa Fargo, ND

So far everything is going just as planned. At first I thought this was going to be a SCAM but I was wrong. I am very happy that I went with FDR otherwise I would be so far in debt that a pay loader couldn't dig me out of the hole. The people that I work with are friendly and listen to my questions. Thank you very much.

6 days ago

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Reply from Freedom Debt Relief

Hi Richard, thank you for sharing your experience! It is very important for us to provide the best experience for our members as we understand the support you need from us!

Mar. 28th, 2023

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Mary Copeland

Each and every time I have a question I can talk to a Customer Service representative. This has been a big relief to have a professional walk you through your fears. I am 80 years old and have never missed payments on any bills. At this time in my life my debts had grown to the point I would never be able to pay them off. With the increase of prices I was barely able to pay the minimum payment and buy groceries and utilities. It was very scary to not make a payment when a bill came. I had 6 credit cards and 2 have been settled or negotiated with a savings of about $6,000. That is amazing since I have only been an FDR customer for less than 7 months.

1 week ago

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Reply from Freedom Debt Relief

Mary, thank you for sharing your experience with us! We are excited to see your long term results!

Mar. 20th, 2023

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Stephanie Brazoria, TX

Signing up with them was one of the best things I could have ever done. They've done everything they promised they would do in the initial communication. They always notify me when they have an issue or if there's something they need to discuss. when I call them, my issue is resolved immediately.

1 month ago

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Reply from Freedom Debt Relief

Hi Stephanie, this is exactly what we strive for! Thank you so much for trusting us and taking the time to share your experience. We pride ourselves on being transparent and supporting our clients every step of the way. Thank you again, we wish you nothing but success in your future.

Feb. 9th, 2023

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Lesa

I saw their commercials, looked up their reviews and they had a good reputation. Freedom Debt Relief was always available, they did not waste my time. They told me what they would do and they kept their word. They would send me emails monthly and text me when they got to a point where they were able to make a settlement. And they would give me a call.

2 months ago

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Reply from Freedom Debt Relief

Hi Lesa, this is exactly what we strive for! Thank you so much for trusting us and taking the time to share your experience. We pride ourselves on being transparent and supporting our clients every step of the way. Thank you again, we wish you nothing but success in your future.

Jan. 20th, 2023

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Gh H Queens, NY

Got my debt down fast and affordable. Freedom negotiated with the credit cards stop the calls and stress. If your trying to figure a good option. And want to be stress free. Definitely check out this company.

6 days ago

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Reply from Freedom Debt Relief

Thank you for sharing your experience with us! We look forward to supporting you in your journey to financial freedom!

Mar. 28th, 2023

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Charles Holt Aliso Viejo, CA

So far everything has been going as promised. Their customer service has been excellent and responsive and I have only had to contact them 1 or 2 times for questions I needed answers for. All promises have been kept so far.

1 week ago Edited March 21, 2023

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Reply from Freedom Debt Relief

Hello Charles, it is great to hear that we have been able to meet your needs! Please let us know how we can continue to support you in your journey to financial freedom!

Mar. 23rd, 2023

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Marjorie Hale North Las Vegas, NV

I have very good communication WithFDR,through Emails and phone.They always let me know What is going 0n with my account and if there is something I need to do.they have video's on things about types of debt one might have. and how they help you to get Out of it.I am glad I have their help,

1 week ago

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Reply from Freedom Debt Relief

Hi Marjorie, we are happy to hear that our resources have been helpful for you! Congratulations on becoming debt free! We are very proud of you and your commitment to you goal!

Mar. 20th, 2023

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Tammy Lewisburg, TN

I didn't really want to go bankrupt, so I decided to give this a try and see if this helped clear my debt up. I don't have any complaints - they do what they say they're going to do.

1 month ago

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Reply from Freedom Debt Relief

Hi Tammy, rest assured we are actively working on obtaining the best savings across all of your accounts!

Feb. 9th, 2023

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John Budd Columbia, MO

The company reached out so me when I was looking for a small personal loan. The representative, Marcos D, point out to me that I was eligible for a debt relief loan. He was meticulous in pointing out what the company could do, and how I could save money, not just at the end of the loan, but throughout the process. It was exciting to hear that many problems could be solved. I cannot recommend Freedom Debt Relief highly enough for its primary service and for the very helpful and friendly personnel.

3 weeks ago

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Reply from Freedom Debt Relief

Hi John, thank you for giving our team the opportunity to earn your trust, review and recommendation. We are all here anytime you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for allowing Freedom Debt Relief to be your partner on your journey to a debt-free future.

Mar. 6th, 2023

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Gregory Bates Sacramento, CA

I have been apart of Freedom Debt Relief since June of 2019 and will be graduating the program this month, February 28th 2023. It's been a long 3 and a half years. I have written positive reviews about this company in the past, but, this will be my last. Yes, this program has its negative effects like impacting your credit, but their amazing team is upfront about that. Here is the positive though, it's not permanent. My credit has now finally increased since I'm near graduating and my settlements are done and paid off and it is only going to increase more in the coming months once everything officially settles. I wish that I could say that I had a smooth journey, but it was rough. I, not having enough money at times for the deposits, having a little left over to try to make extra deposits so that they can negotiate your settlements faster, the covid 19 pandemic that left me dry and struggled to make my deposits which caused them to have to renegotiate a few of my settlements that I ended up losing. A specific creditor trying to come after me in which Freedom Debt Relief stepped in and had thier legal team get involved to protect me and then the creditor backed off. Hey, that is just a snippet of what I went through. However, Freedom Debt Relief was with me every step of the way and worked with me through it all and they WILL work with you too. Just remember to make sure you help them help you. They only can do so much, remember, its still on you. Look at my review if any of you need motivation. I am living proof that you all can complete this program like I will complete it on the 28th of this month. 3 and a half years, it may take longer, or shorter for some. Everyones journey is different. However, stay the course like I did and you'll be fine. Thanks Freedom Debt Relief. Our relationship is now coming to an end, but I will never forget this humbling experience and journey.

1 month ago

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Reply from Freedom Debt Relief

Hi Gregory, we are so happy to hear that we were able to provide the support and guidance that you were seeking and want to thank you for trusting us. We wish you nothing but continued success in your future!

Feb. 24th, 2023

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Misty Rachels Phoenix, AZ

I can't say one bad thing about Freedom Debt Relief! They really treat you like family, I have been with them for 3 years and my debt is finally complete and I couldn't have done it without them! There is a lot of times when I wanted to give up, but then I would call Freedom and they would remind me on why I'm doing all of this. I have spoken to a lot of Freedom Debt Relief employees throughout the 3 years, and I never had one bad experience. From the beginning to the end they make sure that you understand everything and they explain everything in detail. They make an already uncomfortable situation comfortable somehow and you feel right at home. This might sound weird but I'm kind of sad that they won't be a part of my life anymore. But I will always be thankful for them! Even after you graduate and complete your debt they are still there for you. If you're wondering if you should do this experience, don't wonder just do it! You will not regret it one bit! Thank you Freedom Debt Relief for everything!

1 month ago

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Reply from Freedom Debt Relief

Hi Misty, it is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future.

Feb. 24th, 2023

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Eleanor Hayward Three Rivers, MI

Freedom Debt Relief is THE way to end the debit mess you got yourself into....you pay in, and when you have invested enough, they negotiate for you, and do help you settle, and end those interest fees you keep throwing money away on.... It comes down to a matter of trusr, and that was hard for me... Creditors continue to call FDR teaches you how to respond without futher involement... and as they coach you, you get those debts settled... They are honest, and are totally and easily available.... you do not have to go through endless prompts... humans are there ! I am so relieved ! They guide you, and explain what is taking place with your account on a regular basis... I will soon be debt free ! You can imagine that feeling, and FDR can get that feeling for you ! I am more than happy that I searched, and followed this program ! Go for it ! It works !

1 month ago

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Reply from Freedom Debt Relief

Hi Eleanor, it is great to hear that we have been able to meet your needs! Please let us know how we can continue to support you in your journey to financial freedom!

Feb. 2nd, 2023

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claribel gutierrez New York, NY

I loved the customer service . Any time I felt unsure about something , as soon as I call I am out at ease along the way. Everyone is trustworthy and will always take their time explaining any questions you have .

1 week ago

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Reply from Freedom Debt Relief

Hi Claribel, it is great to hear that we have been able to meet your needs! Please let us know how we can continue to support you in your journey to financial freedom!

Mar. 23rd, 2023

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Francisco Martinez Magnolia, TX

I’ve been trying to pay down my debt for 3 years and even tried to negotiate with my creditors with zero luck, my wife told me about freedom debt relief and ever since I got on board most of my debts have been negotiated to half of what I owed, thank you for your well appreciate work, I’m looking forward to get more debt worked on.

2 weeks ago

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Reply from Freedom Debt Relief

Hi Francisco, thank you for sharing your review! We are so happy to hear that you are pleased with our services and wish you nothing but continued success.

Mar. 15th, 2023

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Robyn Blanks Maple Grove, MN

I was a little reluctant when I first signed up with FDR, but I am really impressed on how quickly they were able to negotiate with my creditors. I could have never done this on my own. I would recommend FDR to any and everyone who is looking to get out of debt. I am extremely satisfied and looking forward to being completely debt free!

2 weeks ago

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Reply from Freedom Debt Relief

Hi Robyn, thank you for sharing your review! We are so happy to hear that you are pleased with our services and wish you nothing but continued success.

Mar. 14th, 2023

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Katie Fetty Lafayette, IN

When I Started this program in February 2019, I wasn't very convinced that I was gonna see the light of day! Well now it's March 2023 and I am out of my deep dark hole and in the light! This company help me get myself back from a crazy debt of almost $60,000!! Anyone need Help???? Then FDR is the Company to have on Your Side!!!

3 weeks ago

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Reply from Freedom Debt Relief

Thank you so much for this wonderful review, Katie. We are so excited to congratulate you on being debt fee! You did it! Excellent work and we are so thankful that you chose us to serve you. We wish you nothing but continued success.

Mar. 10th, 2023

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briza con Los Angeles, CA

So far so good. Just wish there was more contact from their part. Like call once in a while to see if I have questions. Been in the program since October 2022 and as of now march 2023 they have called not once. But my debts are being taken care of but I do have questions.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Briza, we encourage you to contact our customer service team with your questions. Keep up the great work and you will continue to see results! Thank you for reaching us and choosing us to serve you.

Mar. 6th, 2023

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Rebecca Ingenthron Minneapolis, MN

They have been very helpful and if you need help with questions that you don't understand They are always there to answer questions u may have so far I don't have a problem with them thanks for helping me with my financial problems

3 weeks ago

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Reply from Freedom Debt Relief

Hi Rebecca, we are so happy to hear that we were able to provide the support and guidance that you were seeking and want to thank you for trusting us. We wish you nothing but continued success in your future!

Mar. 6th, 2023

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SHIRLEY A MOORE AR

I like Freedom Debt Relief so far and so good. They really start on settlements a lot quicker with the creditor than i expected. not only that but it was a pretty good reduced amount. I like the way their fee work also, its paid off with your reduced debt at the same time at the end of the debt term, pretty AWESOME. I am glad I went with their debt program and dropped the other one, NO REGRETS!!!

1 month ago

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Reply from Freedom Debt Relief

Hi Shirley! This is so great to hear. We are happy that we could provide you with some relief and support you on your journey to becoming debt free. Thank you for trusting us and sharing your experience.

Feb. 15th, 2023

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Cynthia “Pleasant45” McFadden

Freedom Debt Relief helped me to get rid of my debts I retired with more debt than I could afford. With the help of FDR I was able to pay my creditors. It took time but it worked with their help it all worked out. I found for me that I followed the guidelines and stayed on top of my payment it was the best thing for me. Customer service is the best they are there to help and they do . When ever I had a question or a worry they came me help. They are good listener.

1 month ago

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Reply from Freedom Debt Relief

Hi Cynthia, thank you for sharing such positive feedback with us! We are happy to hear that you feel supported while working with us. We work very hard to ensure our members experience debt relief and stress relief. 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 allowing Freedom Debt Relief be your partner on your journey to a debt-free future.

Feb. 15th, 2023

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CorneliaMarie2010 Turlock, CA

I like the feeling that I get everytime another bill is negotiated! The fast way FDR contacts me and get it done. They have never let me down, either negotiating, questions I need to ask, and quick responses. Helpful, friendly, follow through and very quick to solve problems. They do right by me, I would recommend FDR to any and every one having debt problems. They have my back!

1 month ago

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Reply from Freedom Debt Relief

Hi Cornelia, this is so wonderful to hear!! Keep up the great work and you will continue to see results! Thank you for reaching us and choosing us to serve you.

Feb. 15th, 2023

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Jessica Rivera

I am extremely happy with Freedom Debt Relief in getting my credit card debt resolved. I am happy I asked for help before things got worse. Between jobs and the pandemic it was important to get a plan and stick to it. They helped to resolve all of my debts and kept me confident the whole way through. I am now at the end and saved so much more money and had the confidence that no matter how long things took that I had a dedicated account just for my debts.

1 month ago

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Reply from Freedom Debt Relief

Hi Jessica, we are very happy to hear that you are happy with your savings and your choice of partnering with us on your journey to financial future. We wish you continued success!

Feb. 9th, 2023

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John Curtin Las Vegas, NV

I was deep in credit card debt. Losing sleep, not paying some bills just to pay others. Freedom Debt Relief was the answer...I made a call to FDR, and from the minute I first spoke to their representative, I was confident that I could start breathing again. They set up a plan that I could actually afford. Definitely recommend FDR, they are a honest company

1 month ago

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Reply from Freedom Debt Relief

Hi John, thank you for recommending our program based off of your experience. We look forward to your continued success!

Feb. 9th, 2023

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GH Simmons High Point, NC

FDR was the only company at the time that would take on our debt level of $84,000. They made the process simple enough for us to commit to beginning the debt relief process. I wish there would have been a better illustration to the fee structure being consistent as opposed to 30-50% range and a thorough explanation of exactly how to calculate the 1099 tax that is incurred and the adjustment you should take out of your paycheck to help cover taxes.. That would have made for slightly different decisions in settlement dates in order to not be hit with such a large tax bill at the end of the year. With that being said, it really was the first tool we had to completely understanding budgeting and financial planning. If the credit card companies would have worked with us in the same way, we wouldn't have needed FDR. FDR became the buffer we needed to get on track!

2 months ago

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Reply from Freedom Debt Relief

Hi GH, this is very insightful feedback and we truly appreciate you taking the time to share your experience with us and recommendations for how we can get better. Thank you for sticking with us and we are so happy that we were able to help put you on a better path to financial freedom!

Jan. 20th, 2023

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TheTTGibson Oklahoma City, OK

Working with freedom debt relief has be easy and convenient, allowing them to negotiate my debt has been really good at relieving my stress

1 day ago

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Reply from Freedom Debt Relief

Hi Gibson, thank you for sharing your pleasant experience with us! We are happy to be able to help you during times of stress and need. Please let us know how we can continue to support you in your journey to financial freedom!

Mar. 28th, 2023

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OLIVIA HENDERSON Baltimore, MD

That they were able to get the amount down and payed in a timely manner. I will be done paying off my debts in 4 years instead of 25years.

4 days ago

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Reply from Freedom Debt Relief

Hi Olivia, thank you for sharing your review! We are so happy to hear that you are pleased with our services and wish you nothing but continued success.

Mar. 28th, 2023

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Kristi Koland Minneapolis, MN

It's been almost 3 years and only a portion of my debt has been resolved. I was sued by one of my creditors and the only response from Freedom was "send more money and we'll start negotiations". Needless to say, I'm paying that creditor directly as I didn't need my wages garnished. Not happy with the progress so far.

5 days ago

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Tara Oxnard, CA

They're always available and willing to work with you. They provide the information you need, good communication and things like that, fairly consistent.

1 month ago

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Reply from Freedom Debt Relief

Hi Tara , thank you for taking the time to share your thoughts about our service efforts! We like to ensure that our members are receiving all of the information necessary to be successful in their program!

Feb. 15th, 2023

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Emily Bales Fort Worth, TX

FDR has helped ease the stress of overwhelming debt. There’s nothing complicated about the program and they have your best interest in mind. Very grateful this company exists.

2 weeks ago

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Reply from Freedom Debt Relief

Hi Emily, thank you for sharing your pleasant experience with us! We are happy to be able to help you during times of stress and need. Please let us know how we can continue to support you in your journey to financial freedom!

Mar. 14th, 2023

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Sharon Mohammed New York, NY

I feel like I’ve been given another chance to make things right. I spoke to the most Amazing counselor Ms. T. I am really optimistic about the outcome. I will 💯 percent recommend this company FDR.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Sharon, it is great to hear that you would recommend our company based on the great experience you had! We are honored to partner with you on your journey!

Mar. 6th, 2023

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Tom Cantrell Sugar Land, TX

I like that someone is working on my behalf to help me get my credit problems settled. I could not have done this myself. They are very good at letting me know what is going on and what I can expect to happen. Very prompt answering any concerns or questions that I may have.

1 month ago

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Reply from Freedom Debt Relief

Hi Tom! It is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. 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.

Feb. 28th, 2023

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Barbara Sargent Spring Hill, FL

Freedom Debt Relief settled my debt much faster than my expectations. The customer service is always very professional and helpful. After being on the FDR program for 6 months, I was able to get the consolidation loan and my remaining debts were settled in about 3 weeks.

1 month ago

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Reply from Freedom Debt Relief

Hi Barbara, this is so wonderful to hear!! Keep up the great work and you will continue to see results! Thank you for reaching us and choosing us to serve you.

Feb. 28th, 2023

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Krisser01 ! Kenosha, WI

My divorce left me with debt upon debt. I called Freedom Debt Relief and they explained their programs and I felt a sense of instant relief. They worked with me to get the best settlements on the debt and I have one debt left to pay. I definitely recommend Freedom Debt Relief to anyone struggling with too much debt.

1 month ago

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Reply from Freedom Debt Relief

Hi, thank you for sharing your pleasant experience with us! We are happy to be able to help you during times of stress and need. Please let us know how we can continue to support you in your journey to financial freedom!

Feb. 24th, 2023

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Sequoia Volk Davenport, FL

From beginning to end FDR was very transparent about the process of consolidating my debt. I had one of my debtors take me to court and the team at FDR helped me navigate the situation with minimal stress. Highly recommended for anyone currently struggling with multiple credit card or loan payments.

1 month ago

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Reply from Freedom Debt Relief

Sequoia, this is exactly what we strive for! Thank you so much for trusting us and taking the time to share your experience. We pride ourselves on being transparent and supporting our clients every step of the way. Thank you again, we wish you nothing but success in your future.

Feb. 24th, 2023

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Daniele Booker Meridian, MS

This is a great program. Everyone is very helpful and dedicated to helping you resolve your debt. You can see everything that's going on with your progress and I would recommend this company to anyone trying to get out of debt

1 month ago

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Reply from Freedom Debt Relief

Hi Daniele, we are happy to hear that you are happy with our service efforts! Our goal is to ensure our clients feel comfortable and confident with us at all times! Keep up the great work, and please reach out to us anytime you have questions about your program! You can contact our Client Services team seven days a week by calling 1(800)655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Feb. 23rd, 2023

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Freddie Warmack Hollister, FL

Freedom debt relief did just what they said they would do for me help me get debt free in a certain number of months. All I need to do was to make my monthly deposits and they took care of the rest How thankful I am now that I found Freedom debt relief

1 month ago

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Reply from Freedom Debt Relief

Hi Freddie! It is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. If you have any questions, just give us a call at 800-655-6303.

Feb. 23rd, 2023

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Read Shepherd Tampa, FL

I will say first of all that you guys did what you said you would do, and you were honest with me from the start. I never had a problem speaking to a representative or getting a question answered. There are consequences for this program, though, (credit score, IRS Form 1099-C), and I would have liked to have known more about the negatives. I'm still a little unsure about my financial future, but I can certainly say I can live without a walletful of credit cards

1 month ago

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Reply from Freedom Debt Relief

Hello, we pride ourselves in our transparency about our work. Despite credit impact and 1099C forms, our clients are able to rebuild their credit and still save on their debt after completing our program.

Feb. 15th, 2023

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Russell Morris Sulphur Springs, TX

Everything was professional, transparent and very well explained. One of the best decisions I've made in a long while concerning concerning my credit. And I finally see a light at the end of the tunnel and will be debt free in the near future.

1 month ago

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Reply from Freedom Debt Relief

Hi Russell, this is exactly what we strive for! Thank you so much for trusting us and taking the time to share your experience. We pride ourselves on being transparent and supporting our clients every step of the way. Thank you again, we wish you nothing but success in your future.

Feb. 15th, 2023

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Sergi Graham, WA

Enrolling in the Freedom Debt Relief program is one of the best decisions I made after college! 3 years later I am now completely free of oppressing credit card debt. A big thank you to the entire Freedom Debt Relief team for all your guidance!

1 month ago

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Reply from Freedom Debt Relief

Sergi, we are so happy to hear that we were able to provide the support and guidance that you were seeking and want to thank you for trusting us. We wish you nothing but continued success in your future!

Feb. 15th, 2023

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Eleana Valentine White Plains, NY

From the beginning, I felt comfortable and confident that my debt issues would be resolved. I always feel like if I have a question, I can call and speak to a live person. All 5 of my enrolled debt accounts are being paid for a fraction of what I owe and it is a great feeling!!

1 month ago

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Reply from Freedom Debt Relief

Hi Eleana! It is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. 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.

Feb. 2nd, 2023

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Kim Hutton

I have to admit I was a little apprehensive about signing up for this. However, my first debt has been settled and I’m breathing a huge sigh of relief. I’m looking forward to getting back on track and can’t say enough good things about Freedom for their help in getting me there! If you’re on the fence, do yourself a favor and give them a call today - for your peace of mind.

2 months ago

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Reply from Freedom Debt Relief

Hi Kim, this is so wonderful to hear! We know that the beginning of the program can be a little nerve-racking because it is something new but we want you to know that we are here to support you every step of the way. Thank you for sharing this review and we want to thank you again, for choosing us!

Jan. 24th, 2023

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Miji Crespo New York, NY

I recommend Freedom Debit Relief 100%. I want to thank all the representatives of FDR..Because of the program, I am now free of debt. They work with you. They are very knowledgeable, friendly and treat your situation with courtesy. I recommend them 100% and give them and the program 100⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️. Thank you. Migdalia Crespo

2 months ago

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Reply from Freedom Debt Relief

Hi Miji, It is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. 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 allowing Freedom Debt Relief to be your partner on your journey to a debt-free future.

Jan. 10th, 2023

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Bob Brown Knoxville, TN

I am fortunate that I found a company that would take my situation of extreme debt and provide me with a path to recovery. At age 75, with 9 creditors with $60M+ in debt Freedom Debt Relief offered a plan that if followed rigorously would eliminate my debt.. and also by the way that would save me $'s. The plan was over a period of 4.5 years to achieve the goals. The details of how FDR interacts with creditors is effective and productive. Communications between FDR during the execution of the plan with me was exceptional. Updates are available and easy to understand and multiple telephone contacts are listed to get questions answered.

3 months ago

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Reply from Freedom Debt Relief

Hi Bob, thank you so much for taking the time to share this wonderful feedback with us! Members like you are truly the best part of Freedom Debt Relief and we appreciate you trusting us to help you resolve your debt. Thank you again, we wish you nothing but continued success.

Dec. 21st, 2022

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Loretta Kubin TX

Freedom Debt Relief helped me when I got in over my head with debt. I was skeptical at first and even worried when my credit score suffered but honestly it couldn’t have gotten much worse than it was already, I was just looking for excuses. However, I stuck with the program and finished ahead of schedule and learned a lot about credit, emergency funds, and how to stay out of debt along the way. If your struggling with more debt than money at the end of the month give them a call, it doesn’t cost anything to have them take a look and who knows maybe they can help you like they helped me.

3 months ago

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Reply from Freedom Debt Relief

Hi Loretta, thank you for trusting us and reviewing your experience with us. We know how challenging it can be to stick with the program but we know the reward of being debt free is so worth it and we are so thankful that you agree. Congratulations on your success, we are so happy for you!

Dec. 14th, 2022

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Christina C Amelia Court House, VA

After a couple years of only being able to make minimum payments, I was finally ready (more like desperate) to consolidate. At the time I had thousands of dollars worth of debt from divorce and struggling as a single mom with my own business. FDR made the set up super easy. I felt a weight being lifted with my first payment and have never looked back. After 4 years I am completely debt free. I finished my program a few months early because the payment set up allowed me to make extra deposits when I was able. My business is thriving, I am able to do more with my kids, my mental health is so much better with all of this resolved. If you have any doubts about consolidating- I hope my story encourages you to make the leap. You won’t regret it. Thanks FDR!

3 months ago

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Reply from Freedom Debt Relief

Christina, we appreciate your words of encouragement for future and current members. Your patience and hard work have really shown in your progress! We look forward to your continued success!

Dec. 9th, 2022

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Sam Mead Owen, WI

No hassle correspondence , I was getting a lot of calls from collections and now I have more peace of mind and no calls

4 days ago

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Reply from Freedom Debt Relief

Hi Sam, rest assured our customer service team is ready to help at any point that you may need assistance! Thank you for allowing us the honor to partner with you in your journey to financial freedom!

Mar. 28th, 2023