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 39 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 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 39 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. 

We'll Introduce You!

Call our recommended rep over at Freedom Debt Relief below.

1-(855) 491-1073

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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.

User Reviews

Star Rating

4.7
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11,266 Reviews

Review Breakdown

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Mary Gardner

August 2nd, 2017 Wildwood, FL

I feel very good about my choice to go with Freedom to resolve my debts. They have been great. I am so relieved to know that my debts can be paid in four years.

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Gilbert Garcia

July 30th, 2017 Pomona, CA

I called to get help because I was just making minimum payments on my cards and not getting anywhere. Freedom Debt Relief explained how they could help me.

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Nerita Johnson

July 27th, 2017 Charlotte, NC

Applied for Debt help, they were very professional & got right on it & help me set things up. Truly great people to talk to.

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Reynold Williams

July 26th, 2017

Lindsey is very helpful and explains everything

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Michael Moses

July 25th, 2017 Gastonia, NC

Gave great info on reducing debt.

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nh h

July 23rd, 2017 Iowa Falls, IA

there needs to be more follow up to ensure all of the required documentation has been submitted by the customer and it's taking to long for the notices to be sent to the creditors. this would help alleviate the phone calls and abuse if they were notified in a timely manner.

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Matt

July 22nd, 2017 Lakewood, NY

When I called the people where very knowledgeable and helpful. They did not judge me based on my situation. They just wanted to help me dig out of the hole I put myself in. I would highly recommend them to anyone in credit trouble.

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Mary Jo

July 21st, 2017 Buffalo, NY

Nam was very helpful and thorough throughout the process. Whenever I had a question I called and left him a message and he always called me right back.

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Richard

July 20th, 2017 Madison, WI

every one did what they were supposed to and it all went well:)))

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Dave and Lisa Derouen

July 19th, 2017

I felt like family when I called i was so overwhelmed with my financial situation it felt like I couldn't breath, the gave me back my peace, I felt like I could breath again, I just want to thank them all

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ken

July 18th, 2017 Columbia, MD

Customer Service very helpful

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Richard M. Poley

July 16th, 2017 Potomac, MD

FDR has not yet discussed my situation with my creditors so I can't comment that very import issue. However... and notwithstanding I am very tardy in answering this questionnaire... my complaint with FDR so far is that FDR does NOT acknowledge my email submissions or my email questions. I do ask in my email for a response but nada, nope, nothing, nit, baste, zilch!!! How come??? Richard Poley

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yoli

July 15th, 2017

I am pleased with Ryan and how informative he was he explained everything and how the program works. I was a little scared and hesitant to take a step like this but I know its for the best. I'm waiting for my welcome packet and to see how it goes I appreciate his patience and understanding with me because I ask a lot of questions but this is scary to do but sometimes you have to do what's best for you to secure your future we will see how it goes.

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Daniel Simons

July 13th, 2017 Glasgow, KY

Megan did a great job getting me all set up in the program. Thanks Megan

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Elizabeth Pratt-McRae

July 12th, 2017

Pushy representative. Felt like she had better clients to work with than me.

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Jo

July 11th, 2017

Gordon was lots friendly than some other companies I contacted.

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Victor Perez

July 8th, 2017

Very will knowledgeable people! Mr H explained everything to and made it easy for me to pick Freedom Debt Relief!

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Dina Ritz

July 7th, 2017 Rosemead, CA

Its a little early to review everything because I just got started and this is a rough decision for anyone to make. So far I have had great people to work with but we will see how the program progresses later.

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Pearl Jones

July 6th, 2017 Brooklyn, NY

Every one thatI I spoke with was very very belpful and professional. I say thank you all, for all help.

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Robert V. Swindall

July 3rd, 2017

Have only just signed up and made first installment. The process thus far has been smooth and the contact persons have been helpful and very courteous. Time will tell on the rest of the process as it continues. So far, so good.

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Dwayne Jones

July 1st, 2017

So far so good!! I have not received a call from a bill collector in weeks!! Freedom Debt relief gave me a peace of mind.

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Ellen M. Best

June 30th, 2017 North Myrtle Beach, SC

All the contacts and people I have received emails and calls from have been professional but kind and caring. They write and speak in a way that's easy to understand and comprehend . Thank you for your outstanding services.

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Susan Mantoulis

June 29th, 2017 East Bridgewater, MA

I have had the most rewarding experience anyone could ask for. Everyone that I spoke to was very courteous and understanding, they wanted to help me with everything they had. I would recommend Freedom Debt Relief to everyone, to me they're number 1. Thank you FDR.

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vincent swann

June 28th, 2017 Toledo, OH

So far everything seems to be going to planOnly one creditor has called.i woyuld suspect as time goes on more will begin to call. then I will be able to make better evaluation of the company's program.

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SUSANRENEE OLIVER

June 24th, 2017 New York, NY

Freedom Debt Relief is helping me resolve my debt within a reasonable amount of time. I'm looking forward to my debt being resolved and I will be able to breathe this experience has taught me to be more cautious about using credit cards

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Koren Lentz

June 21st, 2017 Tallahassee, FL

Very clear and simple to use. On-line tools are easy to navigate.

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chad towsley

June 20th, 2017 Edgewood, MD

Friendly and easy to work with. Very professional and responsive to all your needs.

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R. Walker

June 15th, 2017 Philadelphia, PA

No pressure tactics from these guys. have been a pleasure to work with.

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shirley Steele

June 14th, 2017 Chillicothe, OH

I am so pleased with Freedom Debt Relief.. They all have so kind to me. They are doing a wonderful job for me. I'm very grateful. Thanks so much

Freedom Debt Relief Logo

Reply from Freedom Debt Relief

Jan 21, 2019

Hello Shirley, Thank you very much for your feedback. We are overjoyed to hear about your positive experience with Freedom Debt Relief. We care about you and we will continue to demonstrate world class customer service. Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Elena Young

June 11th, 2017 Sugar Land, TX

For the most part FDR has been helping me to get out of debt by lowering the amount I owe to creditors. My complaint is lack of communication. I've been trying to get 1 of my accounts to be considered paid off for 10 months now. FDR posted in my client dashboard that the last payment was TBD (since 8/30/2016), under the statement for the account the amount of payment is listed and that the payment was mailed. Yet it is still not listed as being completed. I've inquired about this at least 10 times and only once has any one even reached out to me and that was to apologize and to give them 30 days to get it resolved. That was 2 months ago! It's aggravating that no one responds to me, nor answer my questions, nor can figure out the issue. For the amount I'm paying for the service, I don't believe asking for answers to my questions is unreasonable.

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Jared Goldstein

June 8th, 2017 Deerfield Beach, FL

you could not ask for a better debt consolidation company...they are totally committed to solving your problems

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Reply from Freedom Debt Relief

Jan 21, 2019

Hello Jared, Thank you for posting your review. Freedom Debt Relief is definitely the best debt resolution option and we are thrilled to have you a part of our program. Soon you will become debt free! Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Steven Riddell

May 22nd, 2017

I was unsure about this kind of program but the sales person made me feel very relieved and confident that I will succeed with the program.

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Richard Gallagher

May 22nd, 2017

a little slower than expected but proceeding are fair i guess I thought settlements would have been more then one at a time then the fee's for the first settlement are high could have used the fee to settle a smaller debt oh well it is what it is hopefully it picks up soon

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Reply from Freedom Debt Relief

Jan 08, 2019

We've built a custom strategy to resolve your debt and we're confident in our program, Richard! We all are looking forward to your success and if you have any questions regarding our fees or your account, please call us at (800) 655-6303 or email www.fdrclient.com. Thank you for being a part of Freedom Debt Relief!

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Larry Mennefee

May 18th, 2017

So far l feel your company has help me get back on track with my debt

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Reply from Freedom Debt Relief

Jan 21, 2019

We appreciate your feedback, Larry. We care about you at Freedom Debt Relief and we will continue to do our best through your graduation. We are looking forward to you completing the program. Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Diane Wolfe

May 18th, 2017 Northfield, OH

FDR has already set up one contract to pay off one of the larger debts. Hoping to pay off all debt before my 3 year plan.

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Reply from Freedom Debt Relief

Jan 21, 2019

Hello Diane, Thank you for sharing your review. We are so proud to resolve your accounts and we are very confident you will become debt free soon! Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Adrienne

May 12th, 2017

Easy to work with, great at explaining how the process works!

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Barbara Benton

May 11th, 2017 Pine Bluff, AR

This program was very helpful for me and took away all of the stress I was under.

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Reply from Freedom Debt Relief

Jan 21, 2019

Hello Barbara, We appreciate your positive review. We are very glad to assist you with your accounts and take that extra weight off your shoulders. The light at the end of the tunnel is coming soon! Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Emmett Tramill

May 11th, 2017 Evansville, IN

Great customer service. Nice people to work with.

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Reply from Freedom Debt Relief

Jan 21, 2019

Thank you, Emmett, for your incredible feedback! We strive to provide world-class customer service and we're pleased to hear your wonderful experience with our company. Please reach out to our client services department at (800) 655-6303 or [email protected] if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Diana Goudy

May 10th, 2017 Solon, OH

Freedom Debt Relief has been a great blessing, because even though I was making my monthly payments to creditors, I was getting nowhere and only digging myself into a deeper hole by being eaten alive with high interest. With the help of Freedom Debt Relief and the good Lord above, I'll be debt free in May of 2020.

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Reply from Freedom Debt Relief

Jan 21, 2019

Thank you very much for sharing your review, Diana. We love having you a part of Freedom Debt Relief and we will continue to assist you through your graduation. Keep up the great work! Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at www.fdrclient.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Trina Y Hinton

May 10th, 2017

I could not ask for a better debt relief program. They do what they say they will do.I would recommend them highly to anyone looking to get out of debt. I thought I would never get out of debt,but when I found this program I was well on my way.Thank you so much!

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Reply from Freedom Debt Relief

Jan 21, 2019

Thank you, Trina, for your spectacular feedback. Our greatest accomplishment is to help clients become debt free! We're so happy to hear that you are satisfied with our program. Please reach out to our client services department at (800) 655-6303 or [email protected] if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

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Alisha Barney

May 10th, 2017 Vernal, UT

Cheyenne was very patient, and helpful! Freedom debt relief got all the help that I needed, at a lower payment than I expected! Thank you very much for your help, this takes a hugh load off my mind, I can sleep better not worring about how I am going to catch up on my payments.

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Dennis Browning

May 10th, 2017 Cottonwood, CA

FDR exceeded my expectations in every category. They deliver on every promise, and work diligently to ensure every detail is considered. Customer service is always helpful, personable and thorough. My staggering debt and unique blend of creditors was navigated with professional determination and a level of personal attention that made it seem easy - and it was all resolved in a single year! They have earned my sincere gratitude and respect.

Verified Customer

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Anonymous

May 9th, 2017 Columbus, OH

I was thinking about bankruptcy and I went to a bankruptcy attorney but I decided that I didn't wanna do the bankruptcy so the attorney actually recommended Freedom Debt Relief. The entire experience has been really positive. I get emails from them all the time with the progress.

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Becky Ridlehoover

May 9th, 2017 Alabaster, AL

Freedom Debt Relief is good. So far they done everything they said they'll gonna do.

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Edward Ashmore

May 9th, 2017 Flower Mound, TX

I saved quite a bit of money. They always communicated with me through texts. I feel good and very very confident about signing up with them.

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Stephanie Guidry

May 9th, 2017 Carencro, LA

I was trying to find a way to get out of my debt without getting bankrupt. I think in the long run, they will save me money. Their debt consultant is extremely good

Verified Customer

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Estel Eaton

May 9th, 2017 Mt Airy, NC

Working with them them has been real good. To keep my up-to-date, they text me and then I call them back most part. Everything's been just this wonderful.

Verified Customer

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Tim Mccormick

May 9th, 2017 Boaz, AL

Everytime I call and any questions I have they always answered. I feel good about signing up for debt relief. I was just paying minimum of my Credit Cards and they never go down and just keep going up.

Verified Customer

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Ebun Cercone

May 9th, 2017 Fort Lauderdale, FL

After a divorce, I went through a lot of credit card issues that overwhelmed me. So I sought for help online, and found Freedom Debt Relief. The experience with them was very proficient, nice and reassuring. Before speaking to them, I felt like I was stuck, but after talking to the debt consultant, I felt relieved. They helped me get these people off my back, and shortly after that, I was finally able to concentrate at work without having a creditor calling me. It was very pleasant to know that they handled it all, and I'm very grateful that I chose them to help me. On top of that, I was very well informed throughout the entire process. Thanks to their professionals, I saved a lot of money. All I can say is that they have wonderful people working there. My credit card was taken care of, and in less than 2 months, I had everything paid off. Overall, the company is great!

Verified Customer

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Martin Herrera

May 9th, 2017 Indianapolis, IN

I feel great; they helped me a lot, and I saved money. Communication was great, customer service was also great. They'll contact you at least once or twice a month. If I ever needed something, I'd contact someone directly, so that was kind of good that I actually had someone, I wouldn't say a personal number, but a phone where I can reach them anytime if I had any question with them. So that's truly what grabbed my attention; everything was legit. It was easy to work with them. I did some research online before I actually signed up with them, and the person I spoke with the first time was detailed about all of the answers, all of the questions I asked them, and he was real nice. That's why I chose Freedom Debt Relief.