Freedom Debt Relief

Name: Freedom Debt Relief
Rating: 4.7

4.7

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16,608 User Reviews

9.4

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1-(855) 491-1073

4.7

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16,608 User Reviews

9.4

Overall Score

1-(855) 491-1073

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LAST UPDATED: November 29th, 2023

Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved billions in consumer debt since its founding in 2002.

The company has considerable industry experience and high client satisfaction ratings.

With all the major industry accreditations, Freedom Debt Relief (FDR) is a great option for many consumers. Its minimum debt requirement is $7,500. Freedom Debt Relief accepts clients dealing with financial hardship that meet this threshold and clients that can make regular program payments to an account to fund settlements. Freedom Debt Relief employs professional debt experts to negotiate and settle debt for those suffering financial hardship.

FDR offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 32 states. It does not, however, offer debt management plans or credit counseling for those not interested in debt settlement, as Freedom Debt Relief is a debt settlement company.

On average, Freedom Debt Relief charges 24 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle an account enrolled at $5,000, it will cost around $1,200.

View Freedom Debt Relief reviews below.

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The Good

Excellent Settlement Program and Debt Relief Services
Experience and Accreditations
Great Freedom Debt Relief Reviews
Online Dashboard
No Fees Charged Until After a Settlement Is Authorized and First Payment Has Been Made

Excellent Settlement Program and Debt Relief Services

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

Low minimum of $7,500 in unsecured debt to begin debt settlement
Costs between 18.25 and 25 percent of the total enrolled 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 has over 20 years of experience in the debt settlement industry. It has settled over four million accounts since its founding and settles $16 billion in debt.

Freedom Debt Relief has years of experience working with creditors on behalf of the client, the creditor, and the client. FDR will work to obtain settlements that resolve credit card debt (or any type of unsecured debt, such as personal loan debt or medical debt).

FDR will walk clients through the debt settlement process: first, customers will voluntarily choose to stop making monthly payments to lenders. Instead, clients will elect to make a monthly deposit into a separate special purpose account to save money to pay for the settlements once negotiated. Freedom Debt Relief will then work to negotiate a settlement on behalf of its clients.

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

Great Freedom Debt Relief Reviews

Most Freedom Debt reviews on Best Company are positive. People commend FDR for having good customer service, explaining debt settlement, and keeping them updated on where they are at in the debt settlement program.

Clients drowning in high amounts of unsecured debt (credit card debt, personal loans, medical debt, student loan debt) usually find that the company can save them from paying a large percentage of what they owe.

Despite the debt settlement program's tendency to negatively affect credit scores in the first six months, clients with mountains of credit card debt find it extremely helpful for debt reduction. It's also important for people to know that forgiven debt is considered taxable income, so you may owe more in taxes when using debt settlement services.

Online Dashboard

One feature that sets FDR apart from the rest is a unique and intuitive online dashboard to track clients' pace throughout the program. This helps people to actually see their progress while settling their debts. It also offers education to help clients improve their financial knowledge.

Not many debt settlement companies in the industry offer this tool as part of their packages.

No Fees Charged Until After a Settlement Is Settled and First Payment Hast Been Made

As opposed to a debt consolidation company which consolidates all of a customer's debt into one consolidation loan and one monthly payment, debtors approach Freedom Debt Relief as a last resort in order to negotiate their debt and relieve their burden.

Freedom Debt Relief doesn't charge an upfront fee or any other fees until after debt is settled with creditors, the settlement has been authorized with the client, and the first payment has been made. This practice is standard for the industry. Debt relief companies, like National Debt Relief and Pacific Debt, also do not have upfront fees.

Upon enrollment, customers will open an FDIC-insured bank account that the client controls. Clients will put the monthly deposit that was agreed upon into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

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

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 24 percent fees on enrolled debt), but its services are thorough.

The company's ability to help clients find an easier road to financial freedom and paying off debt is highly valuable.

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The Bad

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

Freedom Debt Relief Cost

To settle an account enrolled at $5,000, it will cost around $1,200 (or about 24 percent of the enrolled debt).

Users are charged an average of 24 percent of their total enrolled debt to use FDR. While this number is in line with their competitors, it is only an average. Customers could end up paying more or less than this to use FDR. FDR’s prices range between 18.25 and 25 percent. The rates vary depending on the state the client lives in.

Current national debt relief trends indicate that debt settlement companies tend to charge a percentage of enrolled debt as opposed to saved debt. This means that the more total debt you have, the more debt settlement companies will charge you.

Although working with a debt settlement firm still could save you from paying thousands of dollars to creditors, it's better to work with companies that charge a percentage of saved debt rather than enrolled debt.

So exactly how much will Freedom Debt Relief cost you? It will cost you around 23 percent of your total enrolled debt, but you will have to have a consultation to get an accurate estimate. The fee is competitive for the industry. The fee is assessed when a successful settlement has been authorized and the first payment has been made.

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

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 32 states. If Freedom Debt Relief does not offer its debt relief program in your state, you'll have to consider other debt settlement companies.

Most debt settlement companies have a minimum debt requirement to ensure a payout. A debt settlement company that charges by saved debt will not run into this problem as much.

Freedom Debt Relief requires a minimum debt amount of $7,500 (the amount of which is charged fees between 18.25 and 25 percent). While this threshold is low compared to other debt settlement companies, it does rule out people struggling with lower debt amounts.

An additional limitation with Freedom Debt Relief is that the company only works with debtors with unsecured debt. Freedom Debt Relief is not an option for those struggling with secured debt. The difference between unsecured and secured debt is that unsecured debt is not backed by assets or collateral, while secured debt is.

Limited Services

Some debt relief agencies provide services outside of debt settlement, such as credit counseling, advocating for a lower interest rate on your debt, or debt management plans. However, Freedom Debt Relief does not offer these services.

As such, if you choose to go with Freedom Debt Relief to help you work toward resolving your debt, be aware that you will be signing up for a debt settlement program, and may still receive calls from a debt collector or face the risk of a negative impact on your credit score.

Consumer Financial Protection Bureau Lawsuit

In 2019, the Consumer Financial Protection Bureau and Freedom Debt Relief reached an agreement that FDR would do the following:

Make it clear that in some cases, FDR may not be able to negotiate a debt if the creditor is unwilling to negotiate
Let consumers know that, in some cases, the creditor will only negotiate if the client is also directly involved in the negotiations, and that the consumer has the right to refuse to participate in the negotiations and can remove the debt from their program without penalty
Make it clearer to consumers under what circumstances they will be charged a fee
Stop charging fees on all accounts where the settlement amount was not reduced, or where the creditor wrote off the debt on their own
Make it clearer to consumers that, if they end their program early, any money left in their program savings account belongs to them, minus any funds earned by the company according to legal statutes
Pay restitution money to injured consumers
Pay a civil penalty

It's a good idea for potential clients to do some research on the process, consumers' rights, and industry standards for settlement companies before setting up a free consultation with a debt settlement service. It's also recommended to read recent customer reviews to get a better sense of Freedom Debt Relief's commitment to clients and how good its settlement services are.

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The Bottom Line

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, ample debt settlement experience, thoughtful and experienced debt consultants, negotiation with each creditor, and more. The company's 18.25 to 25 percent fees are pretty standard in comparison to other debt settlement companies (like National Debt Relief).

If you choose a debt settlement plan to resolve your debts, the debts you settle are marked as "settled" on your credit report. While there are some risks to debt settlement, this process allows you to settle debts. It's not bankruptcy and it could get you on the path to becoming debt free.

While people interested in other debt resolution methods, like credit counseling, a debt management plan, or debt consolidation loan will need to consider other companies, Freedom Debt Relief is a good option for those seeking a debt settlement program.

FDR's debt negotiation experience is worth the money. Freedom Debt Relief customer reviews relate that the company has saved them thousands of dollars by negotiating with their creditors. If you're looking to settle your debt through debt negotiation and a reliable debt relief program, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from the company during your free consultation.

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Call our recommended rep over at Freedom Debt Relief below.

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. The company offers a debt settlement program that helps you get rid of debt faster and for less when compared to making minimum payments. With over 19 years of experience working to reduce its clients’ debt, Freedom Debt Relief has resolved over $10 billion in debt since 2002.

How does the Freedom Debt Relief program work?

After signing up for Freedom Debt Relief, you make monthly deposits into an FDIC-insured bank account that you own and control. Once enough money has built up into this account, negotiations occur towards resolving each of your debts one by one. Once a settlement offer is obtained, Freedom Debt Relief presents the offer for you to authorize. If you agree to the terms, the funds in your FDIC-insured account are used to pay the creditor. This is also when Freedom Debt Relief collects its fee. Once the creditor has been paid according to the settlement agreement, the remainder of the debt is written off. This process is repeated with all of your debts until you no longer owe anything on your enrolled debts.

How does Freedom Debt Relief affect your credit?

Freedom Debt Relief could negatively impact your credit as your creditors are not being paid every month. As such, the company will report your missed payments to the credit bureaus, which negatively impacts your score. If you are already behind on payments, however, your credit is already negatively affected, so you should take that into consideration.

How much does Freedom Debt Relief cost?

Freedom Debt Relief's fee ranges from 18.25%-25% of the debt, depending on the state you live in, how much you owe, and other factors. Under no circumstances, however, will you pay the company the fee in advance of a settlement on a debt.

What kind of debt does Freedom Debt Relief work with?

Debt from credit cards, medical bills, department store cards, and many other types of unsecured debt could be eligible for Freedom Debt Relief. However, secured debt that involves collateral, including auto loans, mortgages, and federal student loans, are not eligible.

What happens if a creditor tries to sue me during settlement?

Since you’ve stopped making payments to your creditors, there’s a chance that they may sue you in an attempt to collect what you owe them. Freedom Debt Relief works with a network of lawyers it makes available to help qualifying clients in these situations — at no additional cost.

Is forgiven debt taxable?

According to the IRS, a forgiven debt is considered taxable income. At the end of the year, they will expect taxes to be paid on any settled debt. However, IRS Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness, may exempt you from this tax. To learn how forgiven debt could affect your taxes, talk to a tax professional.

Freedom Debt Relief is a debt settlement company that could help you get out of debt with no loan required. Our affordable debt relief program is designed to resolve your debt for less than you currently owe, significantly faster than making minimum payments.

If you’re dealing with $10,000 or more in unsecured debt, like credit cards or personal loans, our program could help you resolve your debt for a price you can actually afford.

As the largest debt settlement company in the United States, Freedom Debt Relief has resolved over $10 billion in debt for over 800,000 clients — and we could help you, too! Find out how much you could save with our program by requesting your free debt evaluation today.

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4.7

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16,608 Reviews

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Shari Ahrendt Nokomis, FL

It is a relief to have you working for me...thanks

9 years ago

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Shelli Missoula, MT

I was very happy with the way FDR has done my debt consolidation up until the last few months of paying off some of the last balances. Either there is major training issues with new people and not knowing how to figure payoffs, or theirs some funny business going on. The amount owe to a creditor is in writing, and the amount of interest FDR collects for their service is in writing per day; so what is so hard in figuring out the payoff date and amount to the creditor. If I had the figures in front of me, I could figure it out? It's easy math!!! My problem with this company is I received information from one FDR Rep, in June 2014 that our FDR account would be paid off in October 2014. October comes by and my call-in reveals that it's not so, that I would not be paid off until December 2014, with the last payment probably being lower than the usual monthly draft amount. Strike one for FDR. November draft happens and a couple weeks later I called-in asking if they could approx. figure the last December draft of our account, knowing it would not be the total of the usual draft amount. The FDR Rep, figured the amount would be definitely be under the draft amount and for sure be under $400. I asked her if she was absolutely sure this was so and she stated that it was, and that I could actually have the draft amount taken down now to $400, for the last draft, she was that sure. I stated that I would like to do this; she showed me how to change the draft amount for December 2014 to $400, and I did so online in the FDR site. She also guaranteed me that there would be no other drafts coming out of my account. The $400 draft came out on December 28, 2014 and I would receive a refund amount shortly after my draft was taken, approx. 3 weeks or so as soon as the creditor was paid. Now it's February 1, 2015. Yesterday, attempting to buy groceries and can't even buy $43. worth in account, and was promised was not going to be drafted in January 2015. Your promise broken, the original draft came out on January 28th, 2015!!! Cause and effect: overdrafts out of my account!!! Rip-roaring-mad!!! Strike two FDR. 1st statement from 'Misty'-a FDR Lead- states, yes in fact the January usual draft is owed, plus the $400 in December in order to payoff the last creditor. No way-Hosea! I was promised December. But she says, "Our Rep. gave bad information, it was not so...", and she repeated her info about the two amount were owed. Strike three FDR! She stated that she would email me to say that my account was paid off, to get this in writing, and would send a print-out of the statement showing what had been owed after the $400 payment, but she needed an hour to do this for me. Approx. 20 minutes later, FDR calls and it's 'Misty', "Calling to let you know, I have good news you may be correct and have substantial money to be receiving back; she had checked and saw the 1099's from Chase, and wasn't taking into account those write-offs, as the last Rep did, and would request the time be extended so she could print this info out for you. Would tomorrow be okay the extension?" She also stated that she is emailing the statement about no more drafts would take place and sending it to my email. But as I look on the website, there is several places where it shows a February draft will be taken for the original amt. I don't trust FDR at all and will address this issue after I receive the confirmation in my email. Please FDR, you need to change up you training and information on your website! Follow thru will your "Yes will be Yes!", in promising NO MORE DRAFT! In my last review, I neglected to mention why FDR drafted in January 2015, after they promised to not draft after my last lower draft amount in December 2014 to finish off my debt payments; it was because I had 3 out of 7 credit card (all one creditor for the 3 cards), write off my credit card balances and issue 1099’s for each credit card. Even though this had been done since June 2014, when they called to tell me this credit card company was writing-off 3 of their balances for us, I at this time also asked for an approx. pay-off amount for October as they stated. They stated it was too soon; the FDR Rep just didn’t want to have to figure that far in advance, and I understood. I called back after the September 2014 draft and they also reneged her too and stated the payoff was in December. So really it’s up to Strike four, which is way, way unprofessional, even past Strike one! My point I’m trying to make, if this happens to you, is get these FDR Reps to give this information to you in writing. It took me FOUR STRIKES, which I shouldn’t have put up with. And also my fault, not reminding them that the last three credit cards by the same creditor are written-off every time I call in, so that they know, FOR SURE when you are paid off!

8 years ago

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Armando R. Gonzales San Antonio, TX

So far I am satisfied with the progress that has been made through Freedom Debt Relief and I hope we can continue to eliminate the rest of these debts as quickly as possible.

8 years ago

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Rachel Newbury Park, CA

I have been with the program since Aug 2014. Since then I have had one credit card settled. I was told it would take about 6 months, so I haven't been worried until now. AMX filed against me in court. I was alarmed at this and called FF and they said not to worried about it, so I didn't. Then I received an email from FF stating they were unable to negotiate with AMX and my time to legally respond to the court papers was almost up! I had about 3 days left. I was so confused and called FF again, and talked with several people all with different answers. I missed the 30 day deadline to respond because I was given misinformation to start with. I have also received a call from a representative from Citibank, also stating they don't deal with FF and I would need to work out my settlement directly with him. When I called FF, they said they do work with Citibank, but they also told me they work with AMX and now I have found out that they don't. So far I have mixed feelings and am very worried about my situation.

8 years ago

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chad derouen LA

I'm pleased with the progression. I thought that we would be closer to settling with all creditors. Hopefully we can settle soon so my credit score can return to where it was. Other creditors are lowering my cc availability due to the non payment on the accounts that are under review.

8 years ago

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Cindy Fresno, CA

I started the program 8 months ago with the thought I would have to put up with approximately two to three months of telephone calls from creditors. Actually at 8 months they have finally started to die down. That was one of the most terrible parts of starting the program. But also during the 8 months one company has been settled with so I have four more. At this stage of participating in the program it is at a peaceful time and I am just waiting until FDR has negotiated with the four other creditors and I will be home free. Thank you because I couldn't have done it on my own.

8 years ago

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stella twedt IL

the experience was fine.

8 years ago

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Mark Root Scottsdale, AZ

They did a great job in negotiating my debt , highly recommend them to anyone .

8 years ago

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jose perez Philadelphia, PA

After some confusion in the way some of the material was handled, freedom came through for us in an outstanding way!

8 years ago

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Kirk Harr San Jose, CA

It's only been about 3 month it look like it working

8 years ago

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earl La Crosse, WI

so far I an happy with what you are doing to help me but will wait and see how it goes

8 years ago

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David Youngstown, OH

I'm a little disappointed that the process is taking this long. I thought by now that the credit companies would have stopped calling.

8 years ago

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Neil D Cowling Westland, MI

I would rate it higher, however, I have only been in this for three months with one settlement out of 13. I am happy with the progress and with the courtesy I have encountered when I have a question. Another result is a significant decrease in spending on a tight budget. My counsel to others is that one persist and be patient.

8 years ago

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Melanie Clinton Township, MI

The representative, Ross that helped us enroll was very helpful. He made the process easy and answered any questions we had. The only downside is that we weren't expecting it to take as long as it has to see settlement offers come in. We were anxious to see things start to happen. We enrolled in June and we got our first offer in January and the second in February. Hopefully, we will continue to see 1 or more a month until get to the last one. 2 down, 5 to go. Thanks FDR for reducing or debt.

7 years ago

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Merritt Cortello Lakeland, FL

I am happy with the progress we are making, but I left a message on my dashboard and no one ever responded. When I called customer service (Blanca, I think), she had me email her the information I had received concerning a settlement. I got a return email saying she had received the information, but I have not heard anything since...

7 years ago

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Julieanne Davidson Poughkeepsie, NY

Overall I have been happy with what you have done so far. However, I have asked several times for you to contact the MHVF credit union as I am have gotten final notices from them. I have not heard from them or from you regarding this account. I would like to hear a little more of what is happening. I can not afford to have wages garnished etc. T

7 years ago

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Christine Derdarian Bloomfield Hills, MI

The customer service I quite good. I would rate it an 8. The delivery of services regarding working with creditors is also quite good. I would rate it an 8.

7 years ago

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Steve Povlsen Santa Ana, CA

So far they have done exactly what they said they would do.

7 years ago

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bruce groves Clinton Township, MI

I have been trying for months to access the client dashboard and I still can't access it. I think you could be more prompt in replying to e mails. So I am not very positive with customer service. Also you removed money from my account on the wrong day which put me in a bind.

7 years ago

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Rosellen Goodwin Surry, VA

The people we have spoken withn the phne are great. The problem we have is that there is n follow up. We called in May, June, and 3 times now in July and the matter is still not resolved. We are told that someoen will follow up by text or email, but we never get anything. We have a court date that was cotinued to 7/25/16 for a creditor we already settled with and made payments too. This is very frustrating and quite a dissappointment.

7 years ago

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Robert D Hallstead, PA

I was a client of FDR for some 36 months When i started I had approx 54k of debt in 16 different companies. I was initial told the rate I would pay for their service would be 11 % turned out it was 21%I switch that i was never informed of. For the most part they held up their end of the contract by one by one negotiating fair settlements for my accounts. Some were V good other not so much I feel they did me wrong on one account Bof A which the bank simpy wiped out, however FDR still charged me the 21% for settleing it which they had done nothing to earn. Also toward the end I had one account which they started to settle in the begining they received their commision then. Somehow the account was frozen and they kept leaving it until it was the only account left. Although they had ample funds in my escrow account to settle it, they never did, I suspect because there was no money in it at that point for commisions on that account had already been paid. I feel on those to accounts they were very un ethical. I say be careful in choosing FDR and get commision rates up front in writting.

7 years ago

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Randy Ray

So far so good. Have paid off one account and working on the remaining.

7 years ago

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David Cain Wichita, KS

Signing up with them was good, and the consultants were great as well. However, the last 2 settlements weren't the best. I have to do it myself because they did not pay the debt.

6 years ago

Reply from Freedom Debt Relief

Thank you for giving us your honest feedback, David! We aim to get the best settlements possible on your behalf, but we understand if you aren't satisfied fully with the results. Please let us know if we can assist you any further at this time. We can be reached at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Aug. 27th, 2020

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Richard Gallagher

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

6 years ago

Reply from Freedom Debt Relief

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 . Thank you for being a part of Freedom Debt Relief!

Jan. 8th, 2019

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Robert V. Swindall

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.

6 years ago

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Dina Ritz 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.

6 years ago

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Marilyn Bringhurst Aylett, VA

I FOUND THEM TO BE REALLY SLOW STILL WAITING ON APPLYING MY DEBTS !

6 years ago

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Anonymous North Port, FL

At first good, but communication since the initial account set up has been challenging.

6 years ago

Reply from Freedom Debt Relief

Thank you for your honesty. We do have a client services team that's available to you seven days a week. They're always ready to answer any questions you have regarding your account and your progress. Give them a call at (800) 655-6303 or log onto your client dashboard at . Thank you for choosing Freedom Debt Relief!

Jan. 8th, 2019

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S.M.S. Walled Lake, MI

The agent I talked to was very reassuring and warm. I ended up enrolling my debts with Freedom Debt Relief. I do wish there was more communication after enrollment. It seems like the first three-five months is spent waiting. I am anxious to see closure but understand that this is a process.

6 years ago

Reply from Freedom Debt Relief

We appreciate your honest review. Did you know we have a world-class client services team that's always ready to answer your questions or concerns? They're available seven days a week and can be reached by calling (800) 655-6303 or log onto your client dashboard to track your progress at . Thank you for choosing Freedom Debt Relief!

Jan. 8th, 2019

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JC Houston, TX

Ive just started end of Nov. Hoping it will save me some output of funds monthly

6 years ago

Reply from Freedom Debt Relief

We hope that you're getting the savings you deserve, JC. Should you have any questions regarding your account, please contact our client services team at (800) 655-6303 or log onto . Thank you for choosing Freedom Debt Relief!

Jan. 8th, 2019

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Teresa Kluesner Washington, MO

I do feel like a large weight has been lifted off my shoulders with the promise of help from Freedom Debt Relief. But I do not feel like I can rate the company yet because I'm am so very new to this debt relief process.

6 years ago

Reply from Freedom Debt Relief

We're happy to know that you're getting the relief you deserve and we're proud to be on your side, Teresa. We look forward to your success and don't forget that we're here for you every step of the way. Any time you have questions, please don't hesitate to contact client services at (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Anonymous Philadelphia, PA

We were in an unusual situation where we didn't know who could help us get out. We were facing bankruptcy so we tried Freedom Debt. It certainly helped me and my wife. It was something I didn't necessarily want to do, but it was unfortunately necessary. They helped us in a time of need with the banks and credit card companies. They are very expensive though, I was not made aware of that. If you're in a situation between a rock and a hard place, it's something I'd recommend.

5 years ago

Reply from Freedom Debt Relief

We're happy you chose us to help you resolve your debt, rather than to file bankruptcy. We're honored to be here for you at a time that you needed it the most and we're looking forward to your financial success. Any time you have questions or need assistance, give us a call at (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Verified Customer

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Jacqueline Brown McCalla, AL'

Anytime I had a question they were ready to answer and would walk me through the whole thing. They also made sure that I took my time to think before making a final decision on things. They always wanted to make sure that I knew what was happening and that I understood the situation. Everything that gets done is put up in the dashboard so I can look at it. They also send me messages when they need me to look at things there. There were a couple of times when I had to call them because I hadn't heard back from them in a while. I'm in the middle of things right now and I feel okay so far. I'm down to the end of my program but I'm a bit concerned about the last debt. It's taking longer than anticipated and I feel like they're not being aggressive enough with it. It's dragging and it's obvious. I totally trust them though.

5 years ago

Reply from Freedom Debt Relief

Thank you for taking the time to write us a wonderful review, Jacqueline! We're proud to be on your side and we're going to continue to stay in touch throughout your graduation. We hope that your last account was settled and any time you have questions regarding your account please don't hesitate to contact client services at (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Verified Customer

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Jamie Oliver Elizabethton, TN

They can always answer my questions and are always willing to help. Though I don't think they do things very well. I think that they could pay some of the debt I have a little bit faster than what they are doing, but I don't understand how it all works. Right now it's still looking like I still have quite a lot of debt. I assumed that they would take care of the two major ones first, but I have not had anything paid or taken care of yet, so I'm a little bit nervous. I also don't know how much it's going to cost me. I don't think it's going to cost as much as the debt I have, but I'm still worried about it.

5 years ago

Reply from Freedom Debt Relief

Hello Jamie, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 9th, 2018

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Margaret San Francisco, CA

They were helpful in many ways but there were a number of challenges. Freedom Debt Relief charged very high fees (highest in the industry). Also, with their program, customers had to build up funds before they could negoitiate. Many other companies do not implement that practice. Because of this one of my creditors filed a lawsuit against me. I did not have time to waste, so I went with another company who would move more aggressively to help me with my situation.

5 years ago

Reply from Freedom Debt Relief

Hello Margaret, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 11th, 2018

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Mimi Little Rock, AR

Not in the program long enough. I'm struggling with the whole process. I don't see the light yet at the end of the tunnel.

5 years ago

Reply from Freedom Debt Relief

Hello Mimi, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 11th, 2018

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Na Belmond, IA

Overall a good experience...only downfall is that they initially advise against taking out a consolidation loan only to offer this in the end with a higher rate than many of our credit cards.

5 years ago

Reply from Freedom Debt Relief

Thank you for your honest review. We do have a sister company that offers a consolidation loan that is exclusive to Freedom Debt Relief clients who have been consistent with their payments without making any modifications for six months. At the time of enrollment, most clients wouldn't benefit from a consolidation loan. If you have any additional questions, please don't hesitate to give us a call. Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Meri Daytona Beach, FL

The fees are too high and usually cut the money saved in half.

5 years ago

Reply from Freedom Debt Relief

Hello Meri, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 9th, 2018

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Verified Customer

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Don Lugafet Broken Arrow, OK

Too expensive. Felt like I spent as much on Freedon Debt as I gave for the cards.

5 years ago

Reply from Freedom Debt Relief

Hello Don, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 9th, 2018

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Ken Rae Truckee, CA

I was unhappy with FDR's lack of communication with my debtors. I had 4 separate debts. The last one had to wait 3 years before they were communicated with, therefore they took me to court, I would have done the same. While it did work out in the end, it cost me more for legal fees and a great deal of stress.

5 years ago

Reply from Freedom Debt Relief

Hello Ken Rae, We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 9th, 2018

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Peter Harrison Cleveland, OH

They did save me money. The person who enrolled me was very knowledgeable, was able to answer all my questions. The problem is that you do not know all the questions to ask. Once signed up you get handed off to customer service people who answer you questions with vague generalities. They tell you the deal with all banks, when in reality the banks sell your debt to a collection agency, and they end of dealing with the collection agency. Not a big deal, but was not given exactly accurate information. Once you stop paying your cards, while given money to FDR, the banks have no idea what is happening. Wish they would inform the banks that you are making a concerted effort to fix the situation. If they did tell them, I was unaware

5 years ago

Reply from Freedom Debt Relief

We appreciate the honest feedback, Peter. It's good to know you noticed a significant amount of savings when settling the enrolled debt in our program. It is also rewarding to know our debt consultant was very knowledgeable and able to answer all of your questions. We apologize if you feel there were some important details left out when you were enrolling with us. We strive to be as transparent as possible; especially in regards to what to expect once enrolled with us. In the past, our negotiators would notify creditors that our mutual client was enrolled in our program and planned to use our service to resolve the debt. Unfortunately, our clients were bombarded with the aggressive collection efforts of the creditors as a result of the communication. We do not want this for our clients. Therefore, we decided against this practice. We hope this clears things up a bit. Thank you for choosing Freedom Debt Relief to meet your financial goals.

Dec. 5th, 2018

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Lillian Burgin Buffalo, NY

I am so confused regarding FDR ,some of the creditors state this company really is not helping me, but it is actually more detrimental to me and my credit history. Companies continue to call me daily. The time that it takes for FDR to offer the creditors something, by that time my credit is ruined, with delinquencies,and perhaps a 3rd party collection. I hope I made the right choice with this company.

5 years ago

Reply from Freedom Debt Relief

We're sorry to hear of your confusion, Lillian. We hope that since you've been enrolled with us for some time now that our program makes a bit more sense to you. Congratulations on the success you've had with us so far. As you continue toward a debt-free future, please know we are here to support you every step of the way. Feel free to contact us in client services at (800)655-6303 anytime you have questions and/or concerns regarding your account. Thank you for choosing Freedom Debt Relief as a solution to meet your financial goals!

Dec. 4th, 2018

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Mark A Moore Sr Kansas City, MO

Its only been a few months and I am comfortable with the actions regarding my account.

5 years ago

Reply from Freedom Debt Relief

Congratulations on successfully completing our program, Mark. We appreciate you taking out the time to share how pleased you were in our service. Did you know that we have a referral bonus program? Feel free to contact client services at (800)655-6303 for more information. Thank you for choosing Freedom Debt Relief. We hope you're enjoying your financial freedom!

Dec. 1st, 2018

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randy meyer Calhoun, LA

they have made mistakes but have did their best to correct them. Like the dashboard option that keeps you up to date. Just hate calling them when something isnt right.

5 years ago

Reply from Freedom Debt Relief

We appreciate your honest feedback, Randy. We are sorry to see that you have since terminated from our program. We're hoping that all is well with you and that you have found a solution that works best for you and your household. If we can ever be of assistance to you in the future, please let us know. Thank you for choosing Freedom Debt Relief.

Nov. 28th, 2018

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Karen Darby Baltimore, MD

I am new to the program and my payment to debtors has not started. The phine calls arecomung along with emails but I believe this program will help me to become debt free.

5 years ago

Reply from Freedom Debt Relief

Thank you for sharing your honest review, Karen. We are sad to see that you are no longer enrolled in our program. Please let us know if there is anything we can do for you in the future. We wish you nothing but the best!

Nov. 13th, 2018

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Verified Customer

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Ed Newbold Galloway, OH

Lack of personal communications. Also, lack of response to messages sent TO "customer service" department.

5 years ago

Reply from Freedom Debt Relief

We're sorry to hear of your disappointment in the level of communication you've received from client services. We wanted to touch bases with you to see how you are progressing in our program. Congratulations on all the success you've experienced thus far. We are always seeking ways to improve the experiences of our clients. We hope that our level of communication has vastly improved since you initially enrolled with us. Thank you for choosing Freedom Debt Relief, Ed. Here's to your debt-free future!

Nov. 2nd, 2018

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Ronnie New London, IA

Loan Officer was supposed to get back to me last Thursday with a quote, haven't heard back yet.

5 years ago

Reply from Freedom Debt Relief

We're very sorry to hear that your loan officer didn't get back to you in a timely manner, Ronnie. We hope that this issue has been resolved and if you have additional questions please reach out to our customer service team at 1 (888) 950-4829. Business Hours: Monday - Friday 8:00 AM - 5:00 PM Closed on the Weekends. Thank you!

Nov. 9th, 2018

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Michele Jarosz Bradenton, FL

Although you have been paying off my debt, my original contract was for 42 months which would be the end of 2018. Now you’ve added two year. Am I going to be paying this thing off for the rest of my life!

5 years ago

Reply from Freedom Debt Relief

We're so sorry to hear of your disappointment in the amount of time it is taking to resolve all of the enrolled debts. We can imagine your frustration when your expected graduation date increased so greatly. We would like an opportunity to discuss your account in greater detail with you and see if we can uncover some other options available. A team member will be reaching out to you shortly. We hope to assist you soon, Ms. Jarosz. Thank you for choosing Freedom Debt Relief.

Nov. 8th, 2018

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Donna O'Fallon, MO

We are having a problem right now with our creditors calling us non stop wanting payment. I was of the opinion when I entered the address and phone number that was provided to us that our creditors would call that number, however, that is not the case.

5 years ago

Reply from Freedom Debt Relief

We are sorry to hear you are dealing with creditor calls. We suggest providing the creditors with our contact information. However, it is still up to the creditors to accept the updated contact information. There are some helpful videos on how to deal with creditor calls on the home page of your client dashboard . Also, you will notice as debts become resolved, the creditor calls will come to a stop. You can also contact client services for other tips on how to handle creditor calls. We hope this helps, Donna. Thank you for choosing Freedom Debt Relief.

Nov. 7th, 2018

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Sherrye Dotson Jacksonville, TX

I thought my settlements would be for a larger percentage of the debt. I have been sued by a company that I only owed $1500; I cannot imagine they did not reach a settlement. I am now paying that company $1600 on a monthly basis. I could have done that on my own. Because of that I am concerned about my remaining debts that continue to accrue interest. Will I end up paying them more too?

5 years ago

Reply from Freedom Debt Relief

We are so sorry to hear of your disappointment in the settlement amounts. Please know our negotiators do everything they can to obtain the best settlement opportunities possible for our clients. Also, the amount of the debt is actually not the deciding factor on whether a creditor decides to pursue legal action or not. It simply depends on the creditor themselves. We are sorry to hear you dealt with an extremely aggressive creditor. Since then, however, you have made a tremendous amount of progress in our program! We would like to congratulate you on that!! Should you have any questions and/or concerns regarding your account, client services is available to provide immediate assistance. Thank you for choosing Freedom Debt Relief!

Nov. 3rd, 2018

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