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Freedom Debt Relief

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14,356 User Reviews

9.9

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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.

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 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.

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. 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.

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 debt relief service 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 escape high amounts of debt and avoid declaring bankruptcy.

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.

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The Bad

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

Freedom Debt Relief Cost

One concern with Freedom Debt Relief is its price. On average, Freedom Debt Relief charges $4,000 to settle $20,000 in debt (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.

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. 

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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Call our recommended rep over at Freedom Debt Relief below.

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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 15 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 makes available to its clients an optional subscription to a legal network of lawyers, which could help in these instances where you get sued.

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.
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Freedom Debt Relief

Freedom Debt Relief is a debt settlement company that could help you get out of debt with no loan required. Our proven debt relief program is designed to resolve your debt faster and for less than you currently owe. 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 650,000 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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14,356 Reviews

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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 days 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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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 days 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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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 days 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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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 days 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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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 days 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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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 days 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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Jay Fort Wayne, IN

Freedom’s staff was very understanding, cooperative, and kept me informed via email and txt. They were able to negotiate well, to my satisfaction. I am glad I did it.

2 days ago

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Reply from Freedom Debt Relief

Jay, 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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Ivallee Fowler Saint Clair, MI

Because they told me every cent I paid would go to my bills , I just found out this year there were different fees and when I called about it she laughed at me and was very rude .

3 days ago

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Reply from Freedom Debt Relief

Hello, Ivallee! 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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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!

1 week 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

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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.

1 week 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

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Pamela Eddins Los Angeles, CA

I love freedom debt relief, their easy efficient and reliable. Very very trustworthy would recommend to friends and family

1 day ago

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Jose Las Vegas, NV

I feel like using freedom debt relief was a good decision. They give excellent feedback and keep you informed about what is happening in the process.

2 days ago

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Reply from Freedom Debt Relief

Jose, 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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Denise Boyd Staten Island, NY

I like the kindness and helpfulness of the staff. I like that the company is getting me out of debt and I am stress free. This company have made my life much happier knowing I am on my way of getting debt free. Thank you so much!

5 days ago

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Reply from Freedom Debt Relief

It is rewarding to hear such great feedback about our Client Services team, Denise. We are every step of the way making every effort to help you achieve your financial goals. 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 (800) 655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Jul. 20th, 2021

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Cornell Lylrs Lawndale, CA

Freedom Debt Relief save me from all the hassles of talking to creditors and made it very easy for me the manage my time and money so that I can pay my bill and they showed me step-by-step what to do with each creditor negotiated a plan that was a affordable for me I'm very grateful

1 week ago

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Reply from Freedom Debt Relief

We appreciate you sharing with us today, Cornell. We listen to our clients and find options that allowed them to resolve their debt and pursue their financial goals. 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 (800) 655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Jul. 20th, 2021

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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!!

3 weeks 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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David Morris North Richland Hills, TX

I was desperate and wasn't sure what to do. My wife has several health issues and we both had job changes, not by choice. I just finally was able to acquire health insurance because of miscommunication at my employers, had to go to an independent broker until eligible again in the fall. Plus wife's retirement was reduced and I missed full retirement from an airline of 28 yrs. by 2 months, another technicality I was unaware of. Your process is working! and faster than I thought. It's been stressful as I still am receiving phone calls (unanswered) from one creditor who charged off two accounts to a collection agency, but you jumped in and handled it. Bravo! I had to file bankruptcy many years ago due to divorce, job loss and relocating to start over and weathered that. I'm 62 and wife is 69 and we cannot retire. We just keep pushing through this (COVID hasn't helped but we're both vaccinated). Thank you for everything!

4 weeks ago

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Reply from Freedom Debt Relief

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

Jun. 23rd, 2021

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Toni Palella Rochester, NY

They work with you through everything. Appreciate being able to make last minute changes, if an issue arises.

1 day ago

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Emilia Pacoima, CA

Highly Experienced customer service and I love that about them! Made me feel relieved that I'm finally getting help.

3 days ago

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Reply from Freedom Debt Relief

Thank you, Emilia, 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 be sure to call us at 800-655-6303 if you need any assistance. Thank you for being a valued client of Freedom Debt Relief!

Jul. 22nd, 2021

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Peggy Van Well Hanson Warrenton, MO

They cooperate with you when it is necessary to make payment to them smaller for a month or two or three

3 days ago

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Reply from Freedom Debt Relief

Peggy, 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 have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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Dorothy F Port Saint Lucie, FL

They are doing everything they promised me they would do. I am watching Credit Cards paid off at rates I never could have accomplished. I am excited to see the end of this payoff, which doesn't seem so far away now!

1 day ago

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Lisa Willis Waco, TX

I was not sure at first but once I investigated I was happy I joined the program. It has been wonderful knowing they are working hard to help me clear up my debt so I can get back on track and I worry a lot less these days.

2 days ago

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Raul Ramos Los Angeles, CA

I like that I joined Freedom Debt Relief program last year and the ease that customer service to relief of my debt. I also am grateful with their prop handing of my creditors in negotiating my debt.

4 days ago

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Reply from Freedom Debt Relief

Raul, thank you for the kind review. We are thrilled to serve you and find options that suit your needs. 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 (800) 655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Jul. 20th, 2021

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amber Earl West Valley City, UT

Great company! They walked me throught the process and made sure I understood what was about to happen. They have already settled and completed 3 of my accounts without any problems. Their customer service is amazing and not hard to get ahold of. I'm so happy I chose FDR to help me with my debt they have done an amazing job!

1 week ago

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Reply from Freedom Debt Relief

Thank you, Amber, 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!

Jul. 16th, 2021

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NICHOLAS D'AMBROSIO Boynton Beach, FL

well first a five year debt was settled for the full amount--while other debts were settled for 53-54% of total debt--second I recently found out a debt that was settled you are only paying $5.00 a month and I was not aware of this and thought based on your numbers there was less then $1,000 left

1 month ago

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Reply from Freedom Debt Relief

Congratulations on the progress you've made, Mr. D'Ambrosio. We are honored to have accompanied the journey. In reviewing your account, we see you recently spoke with a member of Client Services regarding the matter. However, it sounds like you may still have concerns. An account specialist will be reaching out to you shortly concerning the matter. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jun. 21st, 2021

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Mary Harmon Boonville, MO

Up until now they were great, very pleased. Our last account has drug on forever. I feel now the longer it takes the more money they will get out of us. We have to wait to pay off last account with money already available to collect their fees. That is costing us that much more. We were to of graduated as of 2/15/21 and we are still paying into it. We want it over.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding your account, Ms. Harmon. Rest assured, FDR does not benefit in any way from keeping clients enrolled longer than necessary. We share the common goal of graduating you from the program as soon as financially possible. An opportunity to review the matter further would be appreciated. An account specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Jun. 21st, 2021

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Kathy Miller Rochester, NY

Freedom Debt makes it easy to help you with your credit card debt. I’ve been working with them since January & have already paid off one credit card & their working on the second one. The only downfall is that I think their fees are a little high but they do have lawyers to help you if you run into legal trouble with a credit card company. Also the credit card company may send you a 1099 for the amount of money you saved & you have to use it as income on your taxes. But otherwise it’s a safe easy way to clean up your credit card debt.

3 weeks ago

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Reply from Freedom Debt Relief

Kathy, we appreciate you taking the time to leave us a review! We're elated to be able to assist you along your debt-free journey 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. 2nd, 2021

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Raymond Graham Mc Leansville, NC

From day one I’m extremely satisfied with the courtesy & professional service I received. You can sense of genuine concern about you’re debt. The fees are reasonable and the whole process was very rewarding although I won’t graduate til around May 2023.

2 months ago

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Reply from Freedom Debt Relief

Raymond, thank you for the great feedback. We deliver complete customer satisfaction. We are here every step of the way and strive to help you save money and time. 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 (800) 655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

May. 18th, 2021

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Jeannie Orlowski Rockland, MA

I spoke to Mike who was an amazing person to talk with. He explained in detail the things that would happen, so I was not surprised. I was alarmed when my credit score tanked, because even though I was hugely in credit card debt, I was keeping them paid, but with Covid and all things that went on I had to resort to this. I am not unhappy I did. I believe not having a credit card and only a debit card is teaching me to settle the urges to purchase when you just cannot, you don't have the money. I am very grateful that I am able to settle some debt, and work on creating an 800 credit score in the very near future. Thank you for your help Freedom Debt Relief

1 month ago

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Reply from Freedom Debt Relief

Jeannie, thank you 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 have any questions. Thank you for choosing Freedom Debt Relief!

Jun. 22nd, 2021

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Alison A Durell Glen Burnie, MD

Retirement is supposed to be a nice time in one's life, even if one isn't able to spend extravagantly or travel. However, my retirement turned into some kind of nightmare due to 2 years of fraudulent assault on my bank, credit cards, and taking out new loans. I was fighting a never ending cycle in which some companies would not accept fraud mediations. I was overpaying on my 2 credit cards but interest rates kept balances high. I had a spinal cord injury leaving me disabled and with many medical expenses. It was obvious my pension and SS were no longer able to deal with it all. I needed to take action and stop being a victim. I saw an ad for Freedom Debt and placed an inquiry. No sooner had I completed that form, Chris called from the company ! We spent the rest of the afternoon discussing the program and getting setup. Chris made it so easy to talk about the embarrassing subject of debt. Never have I experienced such an "enjoyable" time on a dreaded topic. Chris was realistic but also helped me feel hopeful that with effort, things could improve. My followup call with Kelly was also a very personable and encouraging one. She went over my Dashboard pointing out different areas to become familiar with. It has been awhile since I've experienced outstanding customer service. I feel a great sense of hope and comfort knowing that this company truly seems to be about its customers.

1 month ago

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Reply from Freedom Debt Relief

Alison, we cannot tell you how happy it makes us to hear about your experience! We take pride in making sure our clients meet their goals of becoming debt-free and we'll always be right by your side. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 19th, 2021

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Edward Diaz Yuma, AZ

Always had the answers I needed and settled my debts really quick and made it easy for me

3 days ago

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Reply from Freedom Debt Relief

Hello, Edward! Thank you 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 assistance. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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Laura perez El Paso, TX

When creditor over charging in late fees & over limit due to so many fees FDR Brought relief

3 days ago

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Reply from Freedom Debt Relief

Hello, Laura! We appreciate you taking the time to leave us a review. We're elated to be able to assist you 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!

Jul. 22nd, 2021

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Ginger Carrier shouse Morganfield, KY

Everything that was discussed and promised has stayed completely on course in paying off my debt

3 days ago

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Reply from Freedom Debt Relief

Hello, Ginger! We appreciate you taking the time to leave us a review and we'll always be right by your side. Please call us at 800-655-6303 if you have any questions. We are available 7 days a week for assistance. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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Sandy Spangler Bellefontaine, OH

They have been informative with me. Explaining every step of the way. And what they have told me is exactly what they have done. Couldn't be happier with the results.

1 day ago

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Kristin Wyn Cabot, AR

I just don’t like having to pay a lot of the fees using the company. It makes your debt not really seem that small. And I think if debts are negotiated then the balance should reflect that. And it never does so it seems like you’re always behind on your debt balance.

3 days ago

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Reply from Freedom Debt Relief

Kristin, thank you for bringing this to our attention. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out.

Jul. 20th, 2021

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Andrey A Bereznitskiy Saint Petersburg, FL

They fulfill ALL their promises exactly how it was promised, which says a lot about their professionalism and dedication to their customers.

2 weeks ago

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Reply from Freedom Debt Relief

Hello, Andrey! Our team takes pride in providing world-class customer service to our clients and we look forward to you becoming debt-free. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jul. 6th, 2021

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Carole Pleasant Unity, PA

When I signed up, I was told it would be 24-48 months and I would be thru the program. It will be f.our years in September and I'm not scheduled to be debt free until April. 2023. That has me upset.

3 weeks ago

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Reply from Freedom Debt Relief

Hello Carole, thank you for bringing this to our attention. We would like to reach out and address this matter and get it resolved. Thank you for your feedback and we look forward to speaking with you soon.

Jun. 30th, 2021

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Jody Fortune Garner, NC

FDR is absolutely worthless when it comes to dealing with attorneys and lawsuits. They claim they will help you with their legal partner network (LPN) but that is bogus. They refused to help me or even give me access to LPN unless I could deposit hundreds of dollars into my dedicated account. I read them the section of our agreement that says I qualify for the LPN but they ultimately refused because I couldn't come up with extra funds. I have another attorney about to sue me and FDR said they can't do anything for at least six months as I need more funds in my dedicated account. I have been working with them for over a year and I'm not too happy. They have settled some debts and I have paid them thousands of dollars to do so. The services they offer can be done on your own. They only care about making money off of individuals that are stressed and in a bind financially. I would most definitely consider them predatory. I wouldn't recommend them to anyone. I am about to withdraw from the program and simply negotiate all of my debts myself. It will save me thousands of dollars in settlement fees.

1 week ago

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Reply from Freedom Debt Relief

Jody, thank you for bringing this to our attention. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out.

Jul. 20th, 2021

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Lyn Palmetto, FL

I wish we had better updates of negotiations. I just had a pretrial hearing and felt very much alone. Now waiting a court date and again feel alone in this process. When I did talk to the lawyers helping they said they had an offer but wanted to do better. I would rather take the offer to avoid going to court. Feel I have no control and very much alone. I was told when I signed up the lawyers would handle these cases which isn’t true. They help in the backside but no help with actual hearings etc

1 week ago

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Reply from Freedom Debt Relief

Hello, Lyn! We appreciate your feedback regarding your experience. We would be more than happy to answer any questions you have regarding your account. Please call us at 800-655-6303 to speak with Client Services. Thank you for choosing Freedom Debt Relief!

Jul. 17th, 2021

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Justine Nalumu Nashville, TN

They management is all awesome and they answer all questions in case asked, i was short of money and they refunded me some of the money I had saved to pay my creditors to resolve my problem😊

1 week ago

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Reply from Freedom Debt Relief

Thank you, Justine, 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!

Jul. 14th, 2021

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Elizabeth Reedy Whitesboro, TX

Due to having 3-4 more payments on a debtor to being paid off and then something happens and they have to be re-negotiated. I am not paying again to same company. I am waiting on explanation!!!

1 month ago

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Reply from Freedom Debt Relief

We're very disappointed to hear about recent experiences, Ms. Reedy. Unmet expectations are frustrating for anyone, no matter the situation. We will be sure to have an account specialist reach out to you regarding the matter. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jun. 21st, 2021

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Walt Syracuse, NY

Freedom Debt Relief is really great having used the services once before. Now i am again trying this time to wipe out what debt i still have left. This way of reducing your debt is really great. The cost has been reduced to a more affordable one. It is super good.

2 weeks ago

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Reply from Freedom Debt Relief

Thank you, Walt, 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!

Jul. 6th, 2021

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konara m siripala Brooklyn, NY

I’m very happy to getting out of my credit card debt with the help of FDR program.At the beginning I had little doubt but now it’s gone because they resolved my debt faster than I thought. The staff very friendly and knowledgeable. If someone wants to get out of debt burden I would recommend to enroll to FDR settlement. Thank you Siripala k

3 weeks ago

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Reply from Freedom Debt Relief

Konara, thank you for the feedback. We are thrilled to serve you and assist you in your financial goals. 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 (800) 655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Jun. 30th, 2021

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enelson3903 Bowie, MD

I am writing you about my experience with Freedom Debt Relief. I enrolled in the program in August 2020. I needed this program to help me get back on track after changes in my job. The program for the most part has been very good, and your customer service team is exceptional in their responses on my account. I was able to settle on one account and that helped me tremendously. The problem I encountered when one creditor took legal action against me. I provide all the legal information to your customer service team and they advised it has been referred to your legal partner McCarthy Law. On May 19 after all the legal information was provided, I received a call from your sister company Consolidated Plus on a loan to help me settle the account. A few weeks had past and I called your customer service to see what the status of the account was. They advise it had been referred to McCarthy and they are working on the account and someone from McCarthy would call me within 48 hours with a status. After another week passed, I did not hear from McCarthy so I called McCarthy for a status and could not reach anyone to get a status. I told the receptionist that I have a court date of June 21 at 1:15pm and need to see what I need to do to somehow push the date while the settlement was going on. After several attempts to reach someone I was able to talk to Mrs. J who said they only work on the negation of settlement and not the court part. This was extremely disturbing with a court date coming up and they couldn’t provide me with better advice. I understand there is a process and it can take time but the communications from McCarthy was terrible. I am not a legal person, but they could have provided better insight on what I could do until the settlement is complete. My Recommendations are the following: The communications between FDR and McCarthy need to be fixed. It is unacceptable for poor communication. They could have email or called me to give me a status. They are in partnership with your company and clients will only see FDR as a problem. They are paid a fee to represent your clients and when a court date is near, they could provide better legal guidance to your clients. To say they only oversee the settlement and nothing else doesn’t help your customers. They could have said we will help you with the process of a continuous until the settlement is complete. 3. Communication is everything and when a company has a partnership with your company that is representing your clients a better status needs to be provided on how the progress is going with the settlement which is very important to your customers. Thank You Ernest Nelson

3 weeks ago

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Reply from Freedom Debt Relief

Enelson3903, thank you for bringing this to our attention. We would like to collaborate with you to resolve this matter and to enforce processes to prevent this experience again. Thank you for your feedback and look forward to speaking with you soon.

Jun. 30th, 2021

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Carolina Santa Monica, CA

I am very happy with this company, they have been great help with my debt. Is a relief to know that I’m getting a reliable and professional assistant. They have been very clear on the way the work, answer all my questions and made me feel comfortable and safe. Thank you so much, Carolina Pantaleo

4 weeks ago

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Reply from Freedom Debt Relief

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

Jun. 29th, 2021

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Gary Smith Bunnlevel, NC

I have learned that after I informed my credit card companies I was working with FDR, the number and frequency of their calls to me became significantly reduced. That is a subtle endorsement as to FDR professional standing. I have consistentl followed their advice and can testify that it works. In less than six months two creditors have settled and within another few months it appears that one other will be following their lead.

1 month ago

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Reply from Freedom Debt Relief

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

Jun. 23rd, 2021

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chuszy Gardner, MA

For the most part this experience was good. A lot of what happened was positive and fell in line in what I was told from the beginning except the amount of payments was extended even though I asked three time this was going to be the total of payments and my total cost I was assured this was accurate “because we are professionals and the credit card companies listen to us so we get reasonable settlements”. “ There are some variables like if you don’t make your payments in full or on time, that would extend the time and total cost”. Well I assure I made all payment in full on time, they all automatically deducted from my bank. Well with two months left the plan changes and I need to make 8 extra payments to meet the goal or “graduate” as they call it. Be careful when you sign up the word estimate is used instead hard numbers disregard everything they told you (it is a sales pitch) and read the contract throughly . Be prepared to pay more in the end. The final is like 20% more than I expected. Total savings around $4000+ on just $30000 in debt. Could I negotiated better on my own maybe, but I really didn’t, know how to do it and get good results. So why did I say overall this was positive experience. First the customer is excellent, the sales people not so much, and the process worked as described, except cost and time estimates. And my credit score after taking hit the first two years is nearly back to 800. So that is something to be happy about.

1 month ago

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Reply from Freedom Debt Relief

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

Jun. 19th, 2021

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Stanley Love Dillon, MT

They set up my program with a dollar amount that was very adequate for me to handle on my retirement income and still have adequate funds to enjoy my retirement and live life without worry! I couldn't have taken care of the amount that I owed in the four and one half years that I have been a client, on my own! I have not dislikes for their program!

1 month ago

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Reply from Freedom Debt Relief

Hello, Stanley! Thank you 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 have your back. If you have any questions, please be sure to call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 11th, 2021

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Rachel Davenport, IA

So far it has been great except for one of my creditors. It did go into litigation and I was served with papers (which was scary.) they were able to ease my mind and assure me everything was going to be ok. However, my debt could not be negotiated and I have to pay the full amount plus penalties. If FDR knew that creditor was notoriously difficult, I wish they would have tackle that one first. It was also my largest debt. Otherwise, everything has been great!

1 month ago

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Reply from Freedom Debt Relief

We're sorry to hear you had to endure this, Ms. Rachel. Unfortunately, some creditors are more aggressive than others. We’re prepared to handle these types of collection strategies and have engaged with a network of attorneys that specialize in resolving debt litigation cases. Feel free to reach out to us anytime additional support is needed. Thank you for trusting Freedom Debt Relief to serve your financial needs.

May. 27th, 2021

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Margaret Daniel Memphis, TN

Freedom Debt Relief is one great company, when they settle something and they can't reach you by email, they text you a message for your approval. I do not have access to a computer at all times and I am so glad that they take the time out to find you and for this I am very appreciative. They take care of matters as soon as you call them and for this I am ever so thankful. Keep up the good work Freedom Debt Relief.

1 month ago

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Reply from Freedom Debt Relief

We appreciate your amazing feedback, Ms. Daniel. It's always great to hear clients share how pleased they are with our service efforts. We're honored to be your solution to financial relief. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs. Here's to a brighter financial future!

May. 27th, 2021

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Mary Ennis Phoenix, AZ

Enrolled in FDR to help me pay off credit accounts with balances so high I could not handle the monthly payments anymore. They took me through each step in the process of notifying creditors, and set up a bi-weekly and then a monthly automatic withdrawal amount from my bank account that I could afford. They negotiated with the companies and kept me informed of the process. All of this was done without complicated processes or any kind of judgmental attitude.

1 month ago

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Reply from Freedom Debt Relief

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

May. 26th, 2021

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