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Freedom Debt Relief

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8.9

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LAST UPDATED: February 6th, 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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4.7

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15,726 Reviews

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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 !

6 days 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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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 weeks 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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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!!

6 days 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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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!

3 weeks 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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Dan K Minneapolis, MN

THE enrollment process was fast and easy. UPON submitting my application u was contacted quickly and the representative explained everything to me answering any questions I had.

2 days ago

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Shuck Belvin Las Vegas, NV

I like the fact that I don't have to pay my creditors directly. They made a budget for me and I stick with it to slowly pay off my debts. The employees are very friendly and professional, they really want to help you

4 days ago

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Reply from Freedom Debt Relief

Hi Shuck, thank you for letting all of us know that we continue to meet your expectations. We want to always make sure you understand everything you can about your financial journey and what it takes to keep you on the road to financial freedom.

Feb. 3rd, 2023

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Pam Simmons

I have 7 accounts in the program & have already settled 2 since beginning the program in June. They are professional, courteous, & efficient at settling my debts. I would highly recommend them to anyone who is drowning in debt.

1 week ago

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Reply from Freedom Debt Relief

Hi Pam, 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!

Jan. 27th, 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 weeks 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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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.

1 month 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.

1 month 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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Theodor Jansen Racine, WI

Very good service and especially their support and help is excellent. Their staff makes sure that you understand everything how their program works. There is nothing I don't like from this program. It is the best program to get out of Credit Card debt.

2 weeks ago

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Reply from Freedom Debt Relief

Hi Theodor! We are so thankful that you chose us to be your partner on your journey to becoming debt free. We are so excited for you and cannot thank you enough for this wonderful review. We wish you continued success!

Jan. 24th, 2023

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Khaled Abdalla Royse City, TX

The best solution to get rid of your debt You guys solved my huge big debt in Just 3 years,, everything was clear and very professional from your side, Thank you, Thank you, Thank you Couldn’t have better help, you have changed my life , My best regards KHALED

2 weeks ago

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Reply from Freedom Debt Relief

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

Jan. 24th, 2023

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Sharif Hannin Pinellas Park, FL

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2 weeks ago

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Reply from Freedom Debt Relief

Hi Sharif, we are so happy to hear this! Thank you so much for taking the time to share your experience and for trusting us. We wish you nothing but continued success on your journey to becoming debt free.

Jan. 24th, 2023

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Craig Foster Baltimore, MD

Once I gave the necessary info for contract, and set up payment, I was provided an App to monitor my progress. This was very professional. In addition to that their representatives are very competent as well. This is a top business.

2 weeks ago

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Reply from Freedom Debt Relief

Hi Craig! Thank you so much for this wonderful review. We are so excited to hear that you are satisfied with our service so far and we look forward to continuing to serve you and help you achieve your goals!

Jan. 20th, 2023

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Nancy Covarrubias Houston, TX

I was struggling with with calls from debt collectors and my debt was growing and growing, luckily I found debt relief they help me to pay all my debt and I paid all my credit cards. Their fees are a little high but is worth it

3 weeks ago

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Reply from Freedom Debt Relief

Hi Nancy, we are so thankful that you found us and are so excited to hear that you are debt free! We know it is not easy but you did it! Congratulations on your success, we wish you nothing but the best in your future.

Jan. 20th, 2023

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Laura Beggs IA

FDR has really been a big help in solving and resolving my debt I just would like better communication. I was told I would receive phone calls periodically and that doesn’t happen unless I reach out to them. When I send documents to them a phone call would be nice.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Laura! Thank you for reviewing your experience and providing us with this feedback. We encourage you to give us a call at 800-655-6303 if you ever have any questions about your program or you can monitor your success on your Client Dashboard! Keep up the great work and thank you again for sharing your feedback!

Jan. 20th, 2023

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Shonza Branch Houston, TX

you guys are awesome !!!!!!! my husband used to worry about getting out of debt every month until i found out about FDR and actually i answered my phone by mistake when they called but i listened to the guy and he changed our life!!!!!! my husband is worry free about our debt!!!!!!!!!!! THANK YOU FDR

3 weeks ago

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Reply from Freedom Debt Relief

Hi Shonza! This is so wonderful to hear! We are so thankful that you chose us to help you alleviate the stress of debt and we look forward to watching you continue to succeed and ultimately achieve you and your husband’s goal of becoming debt free.

Jan. 20th, 2023

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Fierce Knight TX

Freedom Debt Relief has helped me settle my debts in the best way possible. They worked with me every step of the way. Always answering my questions and concerns in a professional manner. I'm truly happy that all my debts have been resolved and I can finally breathe knowing that everything was taken care of.

3 weeks ago

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Reply from Freedom Debt Relief

Thank you so much for sharing this amazing feedback with us! One of our main priorities is making sure that our members feel supported every step of the way and we are elated to hear that we have been able to do that for you. Congatulations on being debt free! We could not be happier for you!

Jan. 13th, 2023

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Sally Tampa, FL

I especially liked how they were so easy to work with. Very appreciative when I had a family emergency and asked them not to take my payment for a few months. The customer service agents have always been kind, courteous and professional.

3 weeks ago

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Reply from Freedom Debt Relief

Sally, we are happy to hear that you have received the help you have needed from our team. We understand hardships and we understand life happens, we intend to do our best to help our clients manage those challenges. Congratulations on all of your progress!

Jan. 11th, 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

1 month 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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Timothy Farrell Utica, MI

I can’t say enough good things about Freedom Debt Relief. When I first contacted them 2 years ago, I was consumed in debt with no end in sight. Since then Freedom has settled 4 of my 5 debts and thanks to them I will soon be debt free. If you’re serious about ridding yourself of debt then don’t wait and contact them right away. Thank again for all you do!

1 month ago

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Reply from Freedom Debt Relief

Hi Timothy, 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!

Dec. 22nd, 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!

2 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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Elaine Washington, PA

I wrote a review before but somehow when it came to the prompt about Best Company I made an error and possibly deleted the app. As far as Freedom Debt Relef is concered the are the best- Freedom Debit Relief is a RELIEF TO ME!! I have no regrets whatsoever- I could go on and on how professional they are and how much they keep me posted on my settlements and etc.The day that I was accepted I was overwhelmed with Joy- I am 86/24/7 care- in-mobile I did not have any money left out of my SS chedk-shame on me- YES! But you can not cry over spilled milk This was the best decisions I have made in a long time- Kundos I will say this over again FREEDOM DEBIT RELIEF IS LIKE STATE FARM INSURANCE I AM IN GOOD HANDS GODS BLESSINGS r

2 months ago

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Reply from Freedom Debt Relief

Elaine, thank you so much for taking the time to share your experience with us! We are so happy to hear that we have been able to put you at ease and help you get that debt behind you. Congratulations on being debt free, we wish you nothing but continued success! Thank you for being the best part of Freedom Debt Relief.

Nov. 29th, 2022

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Yesenia Phoenix, AZ

I was like stuck in a position where I didn't know what else to do amd all these debt were accumulating. I was pregnant with my twin boys and my husband was the only one working, but he was barely working because he was constantly taking me to the doctor's office, so everything was piling up. We looked it up online and Freedom Debt was the first one we saw. We did some investigation and we can called you guys and the representative was really nice and gave us some information about who Freedom Debt Relief is and why we should join. Thank you so much for helping us out. Not just me but my whole family - getting out of this hole that we've dug ourselves in. You guys were able to extend us a hand and get us out of that debt and we finally feel free, so thank you so much for all your guys's help and support. You guys have great customer service. Really great representatives who are very compassionate, show empathy, and they're really genuinely nice. I would receive text messages saying 'Hey you have something pending or setteling or that's about to be settled'. So that's something that I really appreciate.

8 months ago

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Reply from Freedom Debt Relief

Yesenia, it is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. We are excited for your new debt-free future and we will continue to be a source of support for you in the 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.

Jun. 7th, 2022

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DrJoe+ Henderson, NV

FDR is a very reputable company to work with. It stays in contact with you every step of the way in reducing your debt .

18 hours ago

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Sandra Moody Rocky Mount, NC

I got my first Settlement with a $8,000 debt, and had was texted a settlement of $3,200+ over a 24 month period, which is about $135 per month. However, I was to pay Freedom Debt Relief a total of $728 per month on the settlement fee, for a total of over $17,000. Tell me how this HELPS ???? A customer is looking for a solution, not to be ripped off, by some crap like this. The practice should be against the law, for your company to claim government assistance, program, to HELP. I am admitting myself to a psychiatric facility, the stress is overwhelming and so so unfair.

2 days ago

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Reply from Freedom Debt Relief

Hello Sandra, sorry to hear that you are unhappy with the structure of your settlement and settlement fee. We encourage you to contact our customer service team for more information!

Feb. 6th, 2023

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Sergio Rodriguez

Like the fact we are getting things done and paid comfortably, Would like to have things paid right away instead of small payments to the creditors.

6 days ago

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Reply from Freedom Debt Relief

Hi Sergio, congratulations on your progress! We encourage you to contact our customer service team to discuss your options, we want you to be able to continue our program comfortably and to continue your progress.

Jan. 31st, 2023

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Alyssa Zerbe Homestead, PA

FDR has been amazing in helping me resolve my debt! The customer service is always kind and knowledgeable. I highly recommended FDR!

1 week ago

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Reply from Freedom Debt Relief

Hi Alyssa! 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!

Jan. 31st, 2023

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Lyn Smith Ithaca, NY

FDR helped me immensely! I was floundering in more debt than I could handle and they worked with the companies to reduce the debt. My monthly payment was manageable.

1 week ago

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Reply from Freedom Debt Relief

Hi Lyn, reading your review made us smile! We are so happy for you and your success in our program. Thank you for staying committed and for trusting us to be your partner!

Jan. 27th, 2023

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Matthew Peregoy Westminster, MD

Freedom Debt Relief got me great settlements and was a great program for my needs. No penalty for graduating early. Great communication at every step and helpful customer service when needed.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Matthew! We are so pleased to hear that you are happy with your results and we want to congratulate you on being debt free! Amazing work in our program, we wish you nothing but continued success.

Jan. 20th, 2023

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Daisy Huerta Los Angeles, CA

Freedom best relief was a whole lot of help for me. They helped me pay off my credit cards with just a simple budget by monthly. I really appreciate the help they did with all the negotiations.

3 weeks ago

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Reply from Freedom Debt Relief

Hi Daisy! We appreciate you! thank you for trusting us and staying committed to your program. We wish you nothing but continued success.

Jan. 20th, 2023

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Beth Espada Fairport, NY

We just received our graduation notification and are so pleased and are excited to have paid off $50,000 in debt. Our family is now debt free and are re-building our credit for our future. We highly recommend Freedom Debt Relief!

1 month ago

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Reply from Freedom Debt Relief

Hi Beth, thank you so much for taking the time to share your experience with us! We are so happy to hear that we have been able to put you at ease and help you get that debt behind you. Congratulations on being debt free, we wish you nothing but continued success! Thank you for being the best part of Freedom Debt Relief.

Jan. 10th, 2023

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Helen H Brookings, SD

I am so pleased to have my Debt taken care of because I found Freedom Debt Relief. It was very nice to have them take such good care of my needs to clear my Debt. With a fair monthly payment to them every month. It was over before I knew it.

1 month ago

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Reply from Freedom Debt Relief

Hi Helen, reading your review made us smile! We are so happy for you and your success in our program. Thank you for staying committed and for trusting us to be your partner!

Jan. 10th, 2023

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CM Houston, TX

It was worth it to call and get my debt taken care of, and they helped me without any judgement. Sometimes you need help and the peace of mind of not having to deal with aggressive debt collectors made me feel like I made the best choice. Worth the first call to talk to a specialist and highly recommend.

1 month ago

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Reply from Freedom Debt Relief

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.

Dec. 30th, 2022

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Kevin Franklin Fayetteville, NC

I have been looking for debt relief since March because I lost my job and I knew these credit card debts would keep growing until I did something. I applied to wells Fargo 2 times for consolidation but it's a no go. My own bank rejecting me after being with them for 10 years. And I've paid off large somes with multiple times. Anyway I received something online from FDR in an ad or email idk which. I applied and they found a way to help me. I been paying them every since I got a job.. I'm thankful. Btw I'm not enrolling any more debt FDR. I'm good, thanks.

1 month ago

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Reply from Freedom Debt Relief

Kevin, thank you for letting all of us know that we continue to meet your expectations. We want to always make sure you understand everything you can about your financial journey and what it takes to keep you on the road to financial freedom. 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.

Dec. 30th, 2022

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Elizabeth Richard MA

I'm on a fixed income and my dept was not high enough and couldn't get any help until now thank you so much freedom debt and I have told many already about you and all you compation you have had with me!!!! Happy holidays to you all !!!!!

1 month ago

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Reply from Freedom Debt Relief

Elizabeth, 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!

Dec. 30th, 2022

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Mary Stafford San Antonio, TX

The program was presented to me in a way that made it easy to follow. Once I made the commitment to use the program I ha a good support team that kept me up to date on my progress. They were always availabe to answer questions. I am so glad that I deceided to get their help and now that it is over I have peace of mind. Thank You So Much,

1 month ago

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Reply from Freedom Debt Relief

Hi Mary, we can't thank you enough for taking the time to share your experience with us. It is wonderful to hear that you felt supported throughout your journey. Congratulations on your success, we wish you nothing but the best.

Dec. 14th, 2022

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Linda Slavin Clive, IA

Freedom debt works very hard with you to resolve your debt. Customer service is great to work with you, very helpful and caring! I made every payment on time and that is a sure way to have freedom debt get you debt free!! Amazing company and if you want help clearing your debts. Give Freedom Debt a call to get started,!

1 month ago

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Reply from Freedom Debt Relief

Thank you so much, Linda. Reading your review brightened our day and we are SO happy to hear that you are debt free! Thank you for trusting us and working so hard towards achieving your goal of becoming debt free - you did it!

Dec. 14th, 2022

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Stacey Skilling

I was nervous to ask for help, with all the fraud out there. I am so glad I did, feels great to have my life back. I could not have done, on my own, what Freedom Debt Relief did for me. So thankful for all they have done for me! I would recommend FDR to anyone struggling with their debt situation. Thank you FDR! Stacey

1 month ago

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Reply from Freedom Debt Relief

Hi Stacey, we can't thank you enough for trusting us to resolve your debt and move your financial future forward and we are SO happy for you!

Dec. 14th, 2022

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KJ Minneapolis, MN

They helped me when I was going through the roughest part of my life. I had credit card with high interest and pay the minimum still was adding up quickly. I was a small business and through this trying time I felt I didn’t have hope. Until I came across freedom debit relief. They were easy to work with and settled my accounts. Making my credit score go up. So I would highly recommend them to help! Took 2 year no I am debt free! Thanks freedom debit relief

2 months ago

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Reply from Freedom Debt Relief

KJ, 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!

Dec. 9th, 2022

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Camille Brown Detroit, MI

Everyone I have spoken to has been very professional and informative. The client specialists have been very thorough with the process and how to achieve financial freedom. For dealing with someone during one of the most stressful financial times they were very understanding and reassuring. Christian Perez was my certified debt consultant and he was awesome. Thanks again.

2 months ago

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Reply from Freedom Debt Relief

Hi Camille, thank you for sharing your experience! It's great to hear you received the utmost level of customer service when speaking with us. Please let us know how we can continue supporting your journey to financial freedom.

Nov. 29th, 2022

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Balachandar Thangavel Morrisville, NC

I was so happy that I chose freedom debt relief for my debt consolidation and reduction. They helped me reduce my debt by 45% and also close it earlier within 2 years while the actual debt was supposed to close in 5 years. They even let me close earlier with one time payments. Everytime I have a query the support team was reachable via email and I would get response in a day or two. They were clear in explaining the process and helped to go further in each phase. I would strongly recommend Freedom Debt Relief.

2 months ago

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Reply from Freedom Debt Relief

Thank you for allowing us to partner with you in your journey to financial freedom! We are happy that you decided to stay committed and complete your program early! We wish you continued success in your future!

Dec. 6th, 2022

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joan hillgolding Brooklyn, NY

Freedom Debt is the best. There is no words to explain the goodness they have done for me in resolving all my debts. N they were on target for my graduation date. They also have remarkable customer service. Sweet kind friendly n very professional. Thank you Freedom Debt in reassuring me that you had my back in this program. And you sure did. Amen Love you guys. God bless & stay safe

2 months ago

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Reply from Freedom Debt Relief

Hi Joan! 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.

Nov. 29th, 2022

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Evangelina Lara La Habra, CA

It was the best decision I ever made during my difficult financial situation. Everyone I spoke with was courteous, professional, and knowledgeable. What a relief to not have incoming creditor calls which made made me jittery. Their negotiating ability is phenomenal! I would never have accomplished the same on my own. The legal team was also admirable.The monthly investment in the legal team was well worth it. I had to keep up with the monthly payment, but considering all the benefits, it was a very wise investment. Thank you for your help and assistance in getting back on my feet.

2 months ago

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Reply from Freedom Debt Relief

Evangelina, thank you for sharing your experience with us. We are very pleased to hear that we have been able to take the stress f your debts off of your shoulders. We are honored to have partnered with you in your journey to financial freedom!

Dec. 6th, 2022

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Jim Arthur Boston, MA

A few years back I became ill and was out of work for several months. Trying to keep up with the bills and debts with credit cards became overwhelming and I knew I needed help. I saw an ad for Freedom Debt Relief and called them. Best decision I could've made. They explained everything to me such as what I needed to do and why and exactly what they would do and why. They did as they promised and now my debts have been paid off. I have control of my finances again and I cannot thank FDR enough. Trust me, if anyone finds themselves being buried in debt, call them!

2 months ago

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Reply from Freedom Debt Relief

Jim, 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. 6th, 2022

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Jessica Oh New Orleans, LA

This experience truly transformed my perception of myself and my capabilities for taking care of myself. It took several years to graduate the program but I am astounded by how easy it was in terms of my role – I truly felt taken care of. Their representatives are deeply empathetic and kind and patient and worked with me every step of the way. To say I recommend it is a complete understatement. I know high praise reviews like this can seem suspect but truly being in such a destitute circumstance and having it resolved in this way has been life altering. My credit union recommended FDR so I felt like I can trust the company and their methods and I couldn't have been more right. I know I will have years of repair work regarding my credit but I know I'm on even footing now and can begin the process without the burden of immense debt. Thank you FDR, for everything.

2 months ago

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Reply from Freedom Debt Relief

Hello Jessica, 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.

Nov. 14th, 2022

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Sylvia Lancaster, TX

The best part of my experience with Freedom Debt Relief was everything. I had tried several other companies but something about the way the person spoke to me made me reject the first company. They seemed to be looking down thier nose at me. Like he thought he was better than me. When I told him I did not want to go with his company, his voice changed and he said," Good luck paying down all those debts!" The representative of the next company was very nice and reassuring until they got my first payment. When I tried to call to talk about my program, I could never get them on the phone. There was a thirty day refund feature, so I eded my association with them about 10 days on their program. Then Freedom Debt Relief reached out to me and I don't know why but, I felt that this company was where I would get the help I needed. I prayed and went for it. My debt was growing by the minute. Then I received the first settlement a lot sooner than I imagined. I have chatted on occasion and the person I talked to was super nice and oh so helpful. Now that I am close to the end of my journey with Freedom Debt Relief, all I feel is grateful for all the help you have provided to help mr reach my financial goals. GREATCompany, GREAT People, AWESOME Experience!!

3 months ago

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Reply from Freedom Debt Relief

Hi Sylvia, 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.

Oct. 31st, 2022

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Karen Gallagher

My husband and I applied for a home equity loan we signed all the paperwork and at the last minute they said the underwriter Chablis mind as I had two many credit cards, which they new. So I seen an ad for Freedom Debt Relief and they worked with me until we found a solution to get me out of my credit card debt. It’s less than what I was paying on my credit cards each month only paying the minimum payments which by the way went up due to the interest rates going up. So we came up with a plan that I could live with and also to be debt free in a short period of time instead of being buried in credit card debt that I would never be able to pay off all the credit cards. It took me a long time to build my credit up and then I made the mistake of getting any credit card. I was always told by my father to never get a credit card if you can’t pay for it in cash then you don’t need it. Well I didn’t get my first credit card until I was in my late 40’s. All I have to say about Freedom Debt Relief if you are in credit card debt I highly recommend them they will help you anyway they can they work miracles, and they help find a solution that you are comfortable with and that you can afford.

3 months ago

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Reply from Freedom Debt Relief

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

Oct. 17th, 2022

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Myra Ashland, VA

I can't say enough about it. I just finished the program early and I'm happy with everything. I was having some issues with credit cards and one of my nephews put me on to you guys, which was a good thing. I've been totally pleased with everything. Everyone that I worked with was a good experience. Any time I've ever called, I've been able to speak with someone. The client dashboard was a big help. I could look and see for myself where things were at.

8 months ago

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Reply from Freedom Debt Relief

Congratulations, completing your program is such an amazing accomplishment! We look forward to your continued success! Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

Jun. 8th, 2022

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Carmen Sun City Center, FL

I have so many debt, so I found Freedom Debt Relief on my phone and I decided to apply. I'm really I'm very happy to have them. It's a relief I don't have to worry about it - just make the payment and they do everything for me. I'm very happy, that's all I can say. I will recommend it to my friends and to my family and the only thing I can do is really appreciate what they're doing for me and I thank God that I've read about them. I'm very happy with what they were doing for me.

8 months ago

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Reply from Freedom Debt Relief

Thank you for sharing, Carmen. It is great to hear that you are happy with your choice of partnering with us to achieve a brighter financial future. We are excited for your new debt-free future and we will continue to be a source of support for you in the 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.

Jun. 8th, 2022