1. Freedom Debt Relief
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Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved billions in 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 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.

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.

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

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.

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief (FDR) 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. Freedom will work to obtain settlements that resolve credit card debt (or any type of unsecured 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. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

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.

Great Freedom Debt Relief Reviews

Most Freedom Debt reviews on Best Company are positive. They 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 a large percentage of what they owe.

Despite the debt settlement program's tendency to negatively affect credit scores, 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 such helpful tools.

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 any fees until after debt is settled with creditors. This practic 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
  • Complaints
  • Consumer Financial Protection Bureau Lawsuit

Freedom Debt Relief Cost

One concern with Freedom Debt Relief is their 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 company 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 customers 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 being debt-free.

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 40 states. If Freedom Debt Relief does not offer services 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.

Complaints

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

  • Debt settlement takes too long or isn't as effective as people hoped
  • FDR charges too much for their 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:

  • 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 statues
  • 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.

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).

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, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from them 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. We offer a debt settlement program that helps you get out of debt faster and for less. With over 15 years of experience working to reduce our clients’ debt, we have 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, we present 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 we collect our fee. Once the creditor has been paid according to the settlement agreement, the remainder of the debt is written off. We repeat this process 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, they 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?

Our 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 us our 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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User Reviews

Star Rating

4.7
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13,325 Reviews

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Oliver Arends

September 3rd, 2020 Miami, FL DETAILS arrow_drop_down
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I appreciate FDR keeping me updated on my progress! First settlement was achieved much sooner than I expected!

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Reply from Freedom Debt Relief

Sep 03, 2020

Thank you for taking the time to leave us a review, Oliver! We are happy to hear that you are pleased with the results of the program thus far! Remember, you can follow along with your program progress online through your Client Dashboard at www.fdrclient.com. Thank you for choosing Freedom Debt Relief!

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Angel Rosa

September 2nd, 2020 San Juan, DETAILS arrow_drop_down
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Always in contact while negotiating and updated.

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Reply from Freedom Debt Relief

Sep 03, 2020

Thank you for taking the time to share your feedback with us, Angel! We are glad to hear you are pleased with our communication! 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!

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Sheryl Heinonen

September 2nd, 2020 Saint Paul, MN DETAILS arrow_drop_down
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They were a lifesaver when I felt I was drowning in debt. They are very helpful .

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Reply from Freedom Debt Relief

Sep 02, 2020

Thank you, Sheryl, for taking the time to leave us a review! We're elated to hear about your experience within our program and we're always here for you. If you need assistance, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Richard H.

September 2nd, 2020 Reisterstown, MD DETAILS arrow_drop_down
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Freedom Debt Relief settled 20 accounts for me in just about 3.5 years. Initially, I had to do a lot of work sending letters to creditors, etc., but FDR was right there to answer any questions expediently. The will guide you though the process. I was summoned to court twice over two separate debts and NLLG (National Litigation Law Group) - their legal arm, settled the cases with no court appearances required. They negotiated and paid off over $80,000.00 of debt for me at less than half the amount. The payments into my account were a bit high, as were the fees they charged which were 10% of the amount of the original debt for each account. Additionally, thee is about a $20.00/month. processing fee, some of which goes to NLLG. They are experts at communicating and make sure that they are talking to you prior to releasing any info. in a phone call. My credit rating is now in the "good" range, heading up to "very good" quickly. Their education coupled with Credit Karma and Lending Tree have set me on the quick path to full credit recovery and improvement. Highly recommended as they do what they say they will with nothing falling through the cracks. They work with you on adjusting withdrawals for your dedicated account if you have a delay in the anticipated deposit of funds into your bank account. They helped me this way 4 times over the course of my enrollment. Again - it worked for me; it should for you too! FDR does good work, but they don't seem to make absolutely clear up-front to clients that your fee to settle each debt is 10% of the original (not the negotiated) amount of the debt. If it is a large debt, these fees can be excessive. For instance, my highest value debt was settled last and the fee you charged me was in excess of $4,000.00. The amount I had to pay into my dedicated account was $706.00 twice a month. Some people's budgets may not be able to easily handle a loss of $1,412.00/per month - especially now that many are laid off or working fewer hours during this current (2020) pandemic.

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Reply from Freedom Debt Relief

Sep 02, 2020

Richard, we appreciate you taking the time to leave us a review! Our negotiations team works hard on settling your debts and we're always here for you. We will continue to work hard on settling your debts and we're always here for you. If you need assistance, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Marian Spivey

September 2nd, 2020 Dallas, TX DETAILS arrow_drop_down
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This Is a new experience for me only about a month in and so far I am glad that I made the decision to try freedom debt relief. The only downfall so far is all the phone calls from the creditors and my credit score is getting worse than it was because I am not paying on those accounts that are included in the program.

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Reply from Freedom Debt Relief

Sep 02, 2020

Marian, thank you for taking the time to leave us a review! We understand resolving debt is not easy and we are always here to assist you. Please give us a call at 800-655-6303 if you have any questions. Thank you for being a valued client of Freedom Debt Relief!

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Parry Harding

September 1st, 2020 Oklahoma City, OK DETAILS arrow_drop_down
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The right down to business attitude and the sincere treatment of the customer service.

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Reply from Freedom Debt Relief

Sep 02, 2020

Hello, Parry! 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 look forward to you becoming debt-free. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Darrel Weimer

September 1st, 2020 San Diego, CA DETAILS arrow_drop_down
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A very good experience professional in all way

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Reply from Freedom Debt Relief

Sep 02, 2020

We really appreciate your comments in regards to your debt relief program, Darrel. We strive to provide positive interactions in each part of our program. We are here each step of the way. You have 24-hour access to view the progress of the program. 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.

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Hector h Rodriquez

September 1st, 2020 Los Angeles, CA DETAILS arrow_drop_down
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Everything is going great great service there polite not rude they have patience

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Reply from Freedom Debt Relief

Sep 02, 2020

Hector, it is rewarding to hear such great feedback about our Client Services team. We listen to each need as they come and we follow up with solution to address the matter. 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.

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Brenda Zeringue

September 1st, 2020 Donaldsonville, LA DETAILS arrow_drop_down
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Everyone is friendly and professional each time I call. They are always so helpful even with the smallest request. They take the time to explain or if you need to be walked through an issue, they are caring and professional.

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Reply from Freedom Debt Relief

Sep 02, 2020

We really appreciate your comments in regards to your program, Brenda. We are here to care for your needs when they arise. Each interaction is important because it's part of the experience with our company and we want to provide the best service. 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!

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Joaquin Porras

September 1st, 2020 La Vergne, TN DETAILS arrow_drop_down
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I have been doing my part and they doing their part they help me to settle all the deb

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Reply from Freedom Debt Relief

Sep 01, 2020

Thank you for taking the time to leave us a review, Joaquin! We are happy we can be of assistance to you! 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!

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Bryan Bell

September 1st, 2020 Humble, TX DETAILS arrow_drop_down
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Freedom Debt Relief is very trustworthy and the keep you undated on every move they make as for business

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Reply from Freedom Debt Relief

Sep 02, 2020

Bryan, we are over the moon to receive such stunning feedback! We provide updates on the dashboard 24 hours, we have a customer service available 7 days a week. Thank you for choosing Freedom Debt Relief. If you have any question please call 800-655-6303 or check us online on the Client Dashboard.

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Debra F

September 1st, 2020 Gardner, MA DETAILS arrow_drop_down
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Very pleasant and patient when I ask questions

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Reply from Freedom Debt Relief

Sep 02, 2020

Thank you for your thoughtful review, Debra. We strive to make each interaction easy and understandable. We are patient to clarify any questions you have. We want to make sure you have a quality experience. 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!

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Angelita Jimenez

September 1st, 2020 Grand Prairie, TX DETAILS arrow_drop_down
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My experience with Freedom Debt Relief has been nothing but positive. I like the fact that I have the options to look at my account in a very user friendly web platform. They are available when I need them through phone or chat. They are very understanding when payment changes have to be made to my account and give me very easy understandable answers to all my questions.

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Reply from Freedom Debt Relief

Sep 02, 2020

Thank you, Angelita, 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're always here for you. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Brandie

September 1st, 2020 La Follette, TN DETAILS arrow_drop_down
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I had so many payments a month I was simply drowning in them. Joining freedom debt relief gave me a very manageable one time payment that I desperately needed. The downside was that my credit was completely trashed due to the credit card companies constantly penalizing me for light/non-payment. I went from having a 770 credit score to barely managing a 530. My largest count was a little over $8000 and it has taken 2 1/2 years to finally get that account resolved. Joining The program definitely helped at the time but in the long run I feel that it was definitely not worth it.

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Reply from Freedom Debt Relief

Sep 02, 2020

Brandie, thank you for bringing this to our attention. We are thrilled to see progress in your finances and resolutions of debt. That should give you better investment power when all the debt is resolved. We look forward to coming success and want to address concerns that arise. Please make sure you are utilizing all the resources we offer to better your expeirnece. For more information please give us call 800-655-6303. Thank you for choosing Freedom Debt Relief.

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Marilyn Powell

September 1st, 2020 Tampa, FL

So happy to join this program. They take care of your situation and you don't have to sress up. The dash board they provide keep you in track of all your payments and deals made with your creditors. It's just a real relief knowing that your debts are being payed but without the stress of having them on top of you. The program is amazing. Thank you Freedom Debt relief!

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Reply from Freedom Debt Relief

Sep 02, 2020

Hello, Marilyn! We appreciate you taking the time to leave us a review. Our negotiations team works hard to settle your debts and we look forward to you becoming debt-free. If you need assistance, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Jordan Brazille

September 1st, 2020 Anchorage, AK DETAILS arrow_drop_down
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Good at negotiating. Not good communicating.

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Reply from Freedom Debt Relief

Sep 02, 2020

Thank you, Jordan, for taking the time to leave us a review! We understand resolving debt is not easy and we work hard to settle your debts. Rest assured we are always here for you and cannot wait for you to become debt-free. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Soraya Carter

August 31st, 2020 Rosemead, CA DETAILS arrow_drop_down
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So far everyone has been courteous and helpful.

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Reply from Freedom Debt Relief

Sep 02, 2020

Hello, Soraya! Thank you for taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we're always here for you. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Michael Stinnett

August 31st, 2020 Burke, VA

FDR was a leap of faith to start. We’ve always made timely payments but realized we were drowning in debt with no real solution to resolving our growing debt. Freedom Debt Relief presented an opportunity to be debt free in less than four years. We were skeptical but desperate. We joined the program in April 2020 and just completed our first settlement. In less than four months we have eliminated over $27k if debt so far. FDR has kept us informed, reached out to us on several occasions and has put us on a path to debt elimination. Our situation is not unique but FDR has provided us with a much brighter future! We highly recommend their program!

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Reply from Freedom Debt Relief

Aug 31, 2020

We appreciate you sharing with us today, Michael. We work hard to get the best settlement with your creditors to resolve your debt. We strive to find a way to help regain your finances and become sustainable again. 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!

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Cheryl Thompson

August 31st, 2020 Lowell, MA

I really like this company and I appreciate all that efforts that use do to try to negotiate with the credit card people I would advise any of my friends do to use yours the only worry I have is that the credit card Bill's keep coming and get higher so is there anything you can do to fix that problem other than that use are great that thankyou

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for taking the time to share with us, Cheryl. We strive to get the best settlement. Thank you for referring your friends we will treat them with the same respect as you. 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!

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Debbie Lottes

August 30th, 2020 Chesterfield, MO DETAILS arrow_drop_down
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I don’t have any complaints. They do what they say they will. I am looking forward to getting my debts down. If it weren’t for Freedom Debit , I would have had to file bankruptcy. They are very helpful and very pleasant when you need to call .

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Reply from Freedom Debt Relief

Aug 31, 2020

Amazing feedback, Debbie! We are thrilled you have taken the first step to resolve your debt with us. We will be there every step of the way and address any concerns along the way. 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.

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mello bello

August 30th, 2020 Mamou, LA

Very helpful and explains everything to where you understand what they are doing for you

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Reply from Freedom Debt Relief

Aug 31, 2020

It is rewarding to hear such great feedback about our Client Services team, Mello. We strive to make each interaction easy and understandable. 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.

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Nofoaoefiaosamoa S

August 29th, 2020 Houston, TX DETAILS arrow_drop_down
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Feels great not to worry about my bills getting paid. It's getting taken care of through FDR. Thank ya'll!

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for taking the time to leave us a review, Nofoaoefiaosamoa! We are happy to hear that we were able to help alleviate some of your financial stress! 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!

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Jerold Whyte

August 29th, 2020 Farmington, NM

The customer service was excellent. Jason T(C Loan Consultant) walked me thru the entire process.

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for sharing your experience with us, Jerold! We are happy to hear that Jason was able to take good care of you and make you feel welcomed! We are here to support you every step of the way, so please do not hesitate to contact us have any time you have questions or concerns! We can be reached at 1(800)655-6303 or by email at [email protected] Thank you for choosing Freedom Debt Relief!

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Barbara Whitt Jackson

August 29th, 2020 Birmingham, AL DETAILS arrow_drop_down
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I have only been with FDR for about three to four months. Due to the current pandemic, my financial situation has been looking very grim. So far I can say I am feeling rather happy and comfortable with my decision to use FDR. I know, for now, my credit score is impacted by my decision or current situation but in time it will increase as I am working to pay off the debts. I am happy to know they have already negotiated the payoff for one of my creditors. I am working hard to eliminate my debt as soon as possible and restore my credit and my future. Thanks, FDR for giving me a comfort zone during this very stressful time.

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for taking the time to share your feedback with us, Barbara! We are happy to hear that you are satisfied with the results of the program thus far! We are here to support you at every step of your debt-free journey, so please feel free to contact our Client Services team any time you have questions! Give them a call at 1(800)655-6303 or reach them by email at [email protected] Thank you for choosing Freedom Debt Relief!

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Donald Zeller

August 28th, 2020 Catonsville, MD

There always available and if not they get back to you asap. They answer questions honestly and no question is considered as silly or non related. They keep constant track of your progress with updates and encourage you to contribute more money if possible

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for sharing your feedback with us, Donald! Our goal is to ensure our clients feel comfortable and confident with us at all times! So we are here to assist! If you ever have any questions or concerns, please do not hesitate to contact us at 1(800)655-6303. Thank you for being the best part of Freedom Debt Relief!

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Margaret Cain

August 28th, 2020 Parkville, MD

I like everything about Freedom Financial. Great customer service

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Reply from Freedom Debt Relief

Aug 31, 2020

Thank you for taking the time to leave us a review, Margaret! We are happy to hear that you are pleased with our Customer Service! We strive to provide the best service possible to our clients to ensure they feel welcomed and respected at all times! If you ever have any questions or concerns, please do not hesitate to contact us at 1(800)655-6303. Thank you for being the best part of Freedom Debt Relief!

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Sharise Lytle

August 28th, 2020 Bolivar, MO DETAILS arrow_drop_down
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Freedom Debt Relief has made a believer as they have integrity and assisted me so fast. Love the communication and ease of the app as well. Thank you.

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Reply from Freedom Debt Relief

Aug 29, 2020

Thank you, Sharise, for taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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Jennifer Mallozzi

August 27th, 2020 Norwich, NY DETAILS arrow_drop_down
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I was so upset with how out of control my bills were that I had to turn to someone for help. I contacted FDR and the helped me so much that I will be saving my self over 18 thousand dollars and instead of being paid off in 25 years I’ll be paid off in 3 years. All it takes is a payment that they can come up with for you and the give you options!

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Reply from Freedom Debt Relief

Aug 29, 2020

Hello, Jennifer! Thank you for taking the time to leave us a review. Our team works hard on resolving your debts and we cannot wait for you to become debt-free. If you need assistance, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

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INGRID LAPPOST

August 27th, 2020 Miami, FL DETAILS arrow_drop_down
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All the reps are so helpful and respectful. They make you comfortable by providing as much information as possible so that you feel safe and good about the decision to join this program.

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Reply from Freedom Debt Relief

Aug 27, 2020

Ingrid, thank you so much for taking the time to leave us a review! We are so glad we can make you comfortable through the program process since we know the information we provide can be a lot to take in especially for our clients in the beginning process. 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 guide you to your debt free future!

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Deborah Johnson

August 27th, 2020 Charlotte, NC

I appreciate what for has done and enjoy working with them. It's really going faster than I thought

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Reply from Freedom Debt Relief

Aug 27, 2020

Deborah, thank you! We are glad we can help you through this process and make it enjoyable. We are here to support you at every step of your debt-free journey, so please feel free to contact our Client Services team any time you have questions! Give them a call at 1-800-655-6303 or reach them by email at [email protected] Thank you for being a valued client of Freedom Debt Relief!

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Miguelina Gomez

August 27th, 2020 New City, NY DETAILS arrow_drop_down
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I’m really satisfied with the program, hooping everything continue as well

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Reply from Freedom Debt Relief

Aug 27, 2020

Miguelina, we are overjoyed on how the program has benefited you! We hope to continue to guide you through financial freedom. In the future, if you have any questions or concerns, reach out to Client Services at (800) 655-6303. Thank you for being apart of the Freedom Family!

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Mwaynick

August 27th, 2020 Vista, CA DETAILS arrow_drop_down
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The timings I was given were way off. My credit is in the worst condition ever. I now have one of my accounts with FDR that has been changed to a charge off. That will live in my credit report for 7 years. Thanks

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Reply from Freedom Debt Relief

Aug 31, 2020

Hello, Mwaynick thank you for bringing this to our attention. We would like an opportunity to discuss the mentioned concerns with you. One of our experienced team members will be reaching out to you shortly. We truly appreciate your review.

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Daniel Hinton

August 26th, 2020 Houston, TX DETAILS arrow_drop_down
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Easy to work with and they take a huge amount of stress off of you.

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Reply from Freedom Debt Relief

Aug 26, 2020

Thank you for your positive feedback, Daniel! We are so happy to hear that we were able to help alleviate some of your stress and make this an easy process for you. We are here to support you every step of the way, so please do not hesitate to contact us have any time you have questions or concerns! We can be reached at 1(800)655-6303 or by email at [email protected] Thank you for choosing Freedom Debt Relief!

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Mubarak Munif

August 25th, 2020 San Francisco, CA

Took biggest pain taking over my debts and handling it well.

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Reply from Freedom Debt Relief

Aug 26, 2020

Thank you for taking the time to leave us a review, Mubarak! We are happy we can be of assistance to you! We are here to support you at every step of your debt-free journey, so please feel free to contact our Client Services team any time you have questions! Give them a call at 1(800)655-6303 or reach them by email at [email protected] Thank you for choosing Freedom Debt Relief!

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Charlotte

August 24th, 2020 Albuquerque, NM DETAILS arrow_drop_down
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I have about half of my debt left and I'll be done in June and they've been real good about getting my problem solved with my creditor. I feel good about using them, things are going good. They've always been good to me and they've always solved my issues. Also they're always there to help me out if I need to have my payment pushed up a day or two or three you know so they're great.

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Reply from Freedom Debt Relief

Aug 25, 2020

Charlotte, we are over the moon to receive such stunning feedback! We strive to get the best settlement to resolve your debt. We are here every step of the way and look forward to your coming success. 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.

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Celeste

August 24th, 2020 Milford, PA DETAILS arrow_drop_down
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They worked with my creditors to get me down to a low balance. Freedom keeps me up to date with my progress via email. They are very knowledgeable when you have a question.

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Reply from Freedom Debt Relief

Aug 25, 2020

We really appreciate your comments in regards to your program, Celeste. We are thrilled with the progress of the program. We also have the client dashboard to help keep track of your program. 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.

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Angelo

August 24th, 2020 Albuquerque, NM DETAILS arrow_drop_down
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Basically my debt and I was out of control so I went ahead and worked with Freedom Debt Relief to have one easy payment and get out of debt, simple as that. I was over my head before them. They're very upfront and always update me with my progress. Reasonable rates.

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Reply from Freedom Debt Relief

Aug 25, 2020

It is rewarding to hear such great feedback about our Client Services team, Angelo. We are thrilled you have taken the first step to resolve your debt. 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.

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Barbara

August 24th, 2020 Rocky Mount, NC DETAILS arrow_drop_down
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Because my bills got too high and I wasn't able to pay them so I just decided to contact Freedom Debt Relief. They always send me a text or emails to let me know how things are going. They're really good at what they do and they stick to their word.

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Reply from Freedom Debt Relief

Aug 25, 2020

Thank you for taking the time to leave us a review, Barbara! We are happy we can be of assistance to you! We are here to support you every step of the way, so please do not hesitate to contact us have any time you have questions or concerns! We can be reached at 1(800)655-6303 or by email at [email protected] Thank you for choosing Freedom Debt Relief!

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A

August 24th, 2020 Blackstone, VA DETAILS arrow_drop_down
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I get a monthly statement from FDR. They keep track of me you know. When they pay settlements, I've gotten called every time and there's always someone willing to talk to me and explain things to me more

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Reply from Freedom Debt Relief

Aug 25, 2020

Amazing feedback, A! We hope you continue to enjoy your experience with us. We also have the dashboard if you like to keep track of your progress online. 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.

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James E. Rodriguez

August 24th, 2020 Dallas, TX DETAILS arrow_drop_down
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I misunderstood. I thought this was a debt consolidation program. I was not aware that my debtors would not be contacted and informed that I wanted to pay off my debts. Instead I was informed to stop making payments, which in turn destroys my credit rating. Even though I had debt challenges, my credit rating was at 750 before FDR and now is at 530. What have I gained after two years that I could not have accomplished by continuing to make monthly payments on a timely basis.

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Reply from Freedom Debt Relief

Aug 25, 2020

Hello, James. Thank you for bringing this to our attention. We would like an opportunity to discuss the mentioned concerns with you. One of our experienced team members will be reaching out to you shortly. We truly appreciate your review. Please know we are constantly trying to improve our communication with our client and we are currently working on it as we speak.

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Carolyn B

August 24th, 2020 Sacramento, CA DETAILS arrow_drop_down
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My experience has been excellent....well informed all the way.

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Reply from Freedom Debt Relief

Aug 25, 2020

We really appreciate your comments in regards to your debt relief program, Carolyn. We strive to maintain communication with our clients so they are informed about their program progress. If you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

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AM

August 24th, 2020 East Longmeadow, MA DETAILS arrow_drop_down
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FDR is a great company. They really care about my financial freedom and have top-rate CSR's.

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Reply from Freedom Debt Relief

Aug 25, 2020

It is rewarding to hear such great feedback about our Client Services team, AM. We listen and determine your situation and provide solutions that help resolve your debt. 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.

Verified Customer

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Chester l CASEY

August 24th, 2020 Andover, MA DETAILS arrow_drop_down
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Always there for any questions and very politely

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Reply from Freedom Debt Relief

Aug 25, 2020

Thank you for your thoughtful review, Chester. We are thrilled to hear you are using our resources to stay informed when your uncertain of something. 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!

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Daniel Keely

August 24th, 2020 New Braunfels, TX DETAILS arrow_drop_down
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Freedom Debt Relief helped my wife a few years ago with debts she had before we met. I never thought I’d need help, but this past year due to the pandemic crisis affecting so many, I’ve had to adjust priorities and could not keep throwing money down the credit card hole. Already one creditor has agreed to a reasonable settlement. I’m very happy with Freedom Debt Relief always helpful whenever I call the representatives are the best.

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Reply from Freedom Debt Relief

Aug 25, 2020

We really appreciate your comments in regards to your debt relief program, Daniel. We understand a lot of clients endure financial stress. We are thrilled that you have taken the first step to see how hard we work to settle your accounts. We look forward to speaking with you again, thank you for choosing Freedom Debt Relief. If you need anything please call 800-655-6303.

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Katrina a ogman

August 24th, 2020 Wappingers Falls, NY

very helpful explained the whole procedure!!

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Reply from Freedom Debt Relief

Aug 25, 2020

Katrina, we are over the moon to receive such stunning feedback! We listen to our client's conflicts and come up with options to help resolve your situation. Our aim to reduce monthly expenses in order to gain more financial stability and in the mean time find settlement to pay your debt. 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.

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James

August 24th, 2020 Calumet City, IL

I like how they explain every detail about the program.

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Reply from Freedom Debt Relief

Aug 24, 2020

We appreciate you sharing with us today, James. We strive to clearly communicate to our clients the ins and outs of the service. We helps ensure the client has the facts to make an informed decision. 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!

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brian myers

August 24th, 2020 Baltimore, MD DETAILS arrow_drop_down
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I got myself in deep with credit card debt. My FICA score was still in very good standing and I hadn't yet missed any payments. However, I could see the writing on the wall as making the large monthly payments and hardly putting a dent in my debt was becoming a struggle. I was searching on line for a reputable loan consolidation company when I came upon FDR. The woman I spoke with was incredible and explained how the service works and what to expect in detail and as simple as possible. Basically, I had three options. Continue with the massive, high interest debt and create a hardship on my family. Obtain a consolidation loan for the full amount of debt owed or follow the FDR program and reduce my debt by as much as 40%-50%. The only drawback with the FDR service is you will ultimately take a huge hit on your FICA score. My score went from a 740 to a 430 in months as my debts were in negotiation. As painful as that was to watch, the end result was fantastic. I took a big hit on my credit score but, I also reduced my debt by 40% overall. FDR has a sister company that will loan you money to expedite the negotiating process so you can start repairing your credit score quicker. The interest on this loan is rather high though. You need to weigh the option of getting a head start on recovering and being able to manage the large payment to cover the loan. Depends on your individual situation. My credit score has already reached the 500's since my debt has been settled. Repaying this loan will actually help build my FICA score quicker. I give their service 4 stars. If the loan interest rate was 5%-7% lower, they would get 5. Once the loan is paid off, I would estimate FDR wiped out $13,000 out of the $42,000 enrolled.

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Reply from Freedom Debt Relief

Aug 24, 2020

Thank you for taking the time to share with us, Brian. We are happy you were able to make informed decisions with our easy and understandable process. We congratulate you for qualifying for C plus. We expect that will be very helpful in your situation. Keep up the great work and if you have any questions please reach out to C plus so they can address your loan. Thank you for choosing Freedom Debt Relief.

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Regina Shengulette

August 23rd, 2020 Rochester, NY

I like that the representative was very knowledgeable and explained every step in great details. She was extremely down to earth and easy to talk with. I am really excited that I get to pay this debt off and hopefully never put myself in this situation again.

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Reply from Freedom Debt Relief

Aug 24, 2020

Amazing feedback, Regina! Each of our Consultants is trained to the federal standards and aim to serve each client. We are excited to be in this financial journey with you. 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!

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Chanda Reed

August 23rd, 2020 Memphis, TN

You guys don’t make it easy.. I’m still doing work to get my credit on point

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Reply from Freedom Debt Relief

Aug 25, 2020

Thank you for bringing this to our attention Chanda! We are sorry you aren't satisfied with the results given to you by the program. We would like to discuss this with you further, so one of our team members will be reaching out to you shortly. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

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Dayna Young

August 22nd, 2020 Allen, TX DETAILS arrow_drop_down
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DO NOT ENROLL WITH THIS COMPANY. I was sued twice by creditors while in the program and ended up paying more than my original debt. I enrolled with them because I had debt from helping my father pay his medical bills. He has since passed away. I was with them for 3 years and had to defer my monthly deposits twice due to my father being in the hospital and taking a leave of absence from work. One of my settlements during one of these months had a payment of $10 per month for the first 10 months. When I deferred my deposit that month, FDR did not send the $10 payment because they said I didn't have the funds. I did have the funds and the worst part was they still took out $500 that same month for their fees on another settlement. I was sued by the creditor because the settlement went null and void due to the non payment of the $10 and I ended up paying more than the original debt. The second time I was sued was on one of my settlements that was supposed to be paid off. I had paid all of my settlements and called to "graduate" from the program. I was then told that the last payment on one of my accounts was rejected from the creditor. FDR told me they sent the payment, twice to the creditor and it was rejected both times. Obviously I asked why and I was told it was being sent to their escalation dept. I called and called and was never given an answer. In Jan. of this year, 2020, I was served with papers that I was being sued by a collection agency. FDR never did their part to find out why this had happened and the creditor sold the account to a collection agency. I found out all of this on the day I was served with the lawsuit. I lodged a complaint with the Better Business Bureau and was recently in touch with someone at FDR regarding this issue. They came back with, we have found that you didn't have the money your account to make that last payment. I then asked them, if I didn't have the money in my account, why did you send 2 payments to them? I have yet to get an answer. The bottom line with FDR is this . . . if you are enrolled and have any kind of life altering situation (my dad having open heart surgery which led to my leave of absence from work) and have to defer a deposit, FDR doesn't care. I have all the bank statements from my dedicated account showing I had enough money to make the settlement payments during the two months I deferred the deposits and they still let my settlements go null and void. I have had to pay more money to my creditors by enrolling with FDR than I would have if I had just paid the accounts off on my own. And, the customer service is useless. When you call with any kind of issue, you have to tell whoever answers your call the whole situation again. You can never get the same person on the line, so needless to say, I have spent hours upon hours re-stating my question/problem. The standard response is, we are sending this issue to our escalation dept. and someone will get back to you. I don't think they even have an escalation dept. because in all of this time and the 2 major issues I've had, I've NEVER spoken to anyone. No one has ever called me back and I was blindsided by a lawsuit from a collection agency, not even from the original creditor. Again, do not sign up with them. I'm writing this review to hopefully stop anyone else from going through what I have. It's not only the money but the anguish I suffered from a company who can get away with anything and not care one bit how it affects their clients. As long as they collect their settlement fees and all the other fees charged, it's all okay. I have fees on my bank statements for $10, $3 etc. for FDR to send a check to a creditor. Every month they sent a payment, the charge stated on my statement said, $3 for paper check sent or $10 for express payment sent. Why was it sent express?? This was every month for most of my settlements. All of it is just maddening. Just FYI, I HAD TO click on 1 star for the review as it wouldn't let me put 0 stars.

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Reply from Freedom Debt Relief

Aug 25, 2020

Thank you for taking the time to leave us a review, Dayna. We're sorry to hear about your experience and we would like to discuss this with you. A member of our team will be reaching out to you shortly to discuss your concerns. Thank you for choosing Freedom Debt Relief!