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Freedom Debt Relief

Freedom Debt Relief

Name: Freedom Debt Relief
Rating: 4.7

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4.7

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14,374 User Reviews

9.9

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Company Details

States Serviced

Cost

15-25% of Debt

Setup Fee

None

Interest Rate

N/A

Minimum Debt Requirement

$7,500

Time in Business

19 Years

Number of Reviews 14,374

LAST UPDATED: July 28th, 2021

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Freedom Debt Relief

Freedom Debt Relief is a debt settlement company that could help you get out of debt with no loan required. Our proven debt relief program is designed to resolve your debt faster and for less than you currently owe. If you’re dealing with $10,000 or more in unsecured debt, like credit cards or personal loans, our program could help you resolve your debt for a price you can actually afford. As the largest debt settlement company in the United States, Freedom Debt Relief has resolved over $10 billion in debt for over 650,000 clients — and we could help you, too! Find out how much you could save with our program by requesting your free debt evaluation today.

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $100. Yes, it’s really that simple.

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

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

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

The company offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 40 states. It does not, however, offer debt management plans or credit counseling for those not interested in debt settlement, as Freedom Debt Relief is a debt settlement company.

On average, Freedom Debt Relief charges 22 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle a $20,000 debt, it will cost around $4,000.

View Freedom Debt Relief reviews below.

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The Good

Excellent Settlement Program and Debt Relief Services
Experience and Accreditations
Great Freedom Debt Relief Reviews
Online Dashboard
No Fees Charged Until After Debt Is Settled

Excellent Settlement Program and Debt Relief Services

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

Low minimum of $7,500 in debt to begin debt settlement
Costs between 15 and 25 percent of the total unsecured debt
Free consultation with a Certified Debt Consultant

Freedom Debt Relief offers a free consultation with a highly trained, IAPDA-certified debt consultant when a consumer decides to enlist the company's debt settlement services.

According to a four-year study by Freedom Debt Relief, its customers start the program with a median of $28,000 in debt, which decreases to $3,800 after 45 months in the program. The graph below shows the decrease in debt over time and how this directly affects the increase in customers' credit scores.

FDR Debt Settlement Graph

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief has over 17 years of experience in the debt settlement industry. It has settled over two million accounts since its founding and regularly settles over 50,000 accounts monthly.

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

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

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. A four-year study by Freedom Debt Relief found that its customers' credit scores dropped in the first six months of the debt settlement program, then began to recover. According to the study, most customers' credit scores recovered to their previous position by the time they completed the Freedom Debt Relief program. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

The graph below shows Freedom Debt Relief's customers' credit scores over time as they improve their debt through the company's program.

Freedom Debt Relief Credit Score Graph

Great Freedom Debt Relief Reviews

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

Clients drowning in high amounts of unsecured debt (credit card debt, personal loans, medical debt, student loan debt) usually find that the company can save them from paying a large percentage of what they owe. One Freedom Debt Relief review even states that the company helped him save several thousand dollars in interest as well as settling all of his outstanding debt.

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

Online Dashboard

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

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

No Fees Charged Until After Debt Is Settled

As opposed to a debt consolidation company which consolidates all of a customer's debt into one consolidation loan and one monthly payment, debtors approach Freedom Debt Relief as a last resort in order to escape high amounts of debt and avoid declaring bankruptcy.

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

Upon enrollment, customers will open an FDIC-insured bank account that the client controls. Clients will put all of their money that would have gone toward paying their debt into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

Next, FDR or its representatives or agents will negotiate with your creditors to settle on debt to pay.

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 22 percent fees on enrolled debt), but its services are thorough.

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

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The Bad

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

Freedom Debt Relief Cost

One concern with Freedom Debt Relief is its price. On average, Freedom Debt Relief charges $4,000 to settle $20,000 in debt (22 percent of total debt). If Freedom Debt Relief cuts your debt in half, you would end up paying $14,000 instead of $20,000.

Users are charged an average of 22 percent of their total debt to use FDR. While this number is in line with their competitors, it is only an average. Customers could end up paying more or less than this to use FDR. FDR’s prices range between 15 and 25 percent. The rates vary depending on the state the client lives in.

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

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

So exactly how much will Freedom Debt Relief cost you? It will cost you around 22 percent of your total enrolled debt, but you will have to have a consultation to get an accurate estimate. The fee is competitive for the industry. The fee is assessed when a successful settlement is reached.

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

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 40 states. If Freedom Debt Relief does not offer its debt relief program in your state, you'll have to consider other debt settlement companies.

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

Freedom Debt Relief requires a minimum debt amount of $7,500 (the amount of which is charged fees between 15 and 25 percent). While this threshold is low compared to other debt settlement companies, it does rule out people struggling with lower debt amounts.

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

Limited Services

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

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

Complaints

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

Debt settlement takes too long or isn't as effective as people hoped
FDR charges too much for its services, sometimes costing consumers up to 25 percent of their total enrolled debt

These complaints are fairly common within the debt settlement industry. It’s important for clients to be fully informed about what debt settlement is and how it works. Potential clients should use the free consultation to learn more about the time it takes to reach a settlement and specific price information.

Consumer Financial Protection Bureau Lawsuit

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

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

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

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The Bottom Line

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, ample debt settlement experience, thoughtful and experienced debt consultants, negotiation with each creditor, and more. The company's 15 to 25 percent fees are pretty standard in comparison to other debt settlement companies (like National Debt Relief).

If you choose a debt settlement plan to resolve your debts, the debts you settle are marked as "settled" on your credit report. While there are some risks to debt settlement, this process allows you to settle debts, avoid bankruptcy, and become debt-free.

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

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

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Freedom Debt Relief Frequently Asked Questions

What is Freedom Debt Relief?

Freedom Debt Relief is a debt settlement company. The company offers a debt settlement program that helps you get out of debt faster and for less. With over 15 years of experience working to reduce its clients’ debt, Freedom Debt Relief has resolved over $10 billion in debt since 2002.

How does the Freedom Debt Relief program work?

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

How does Freedom Debt Relief affect your credit?

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

How much does Freedom Debt Relief cost?

Freedom Debt Relief's fee ranges from 15%-25% of the debt, depending on the state you live in, how much you owe, and other factors. Under no circumstances, however, will you pay the company the fee in advance of a settlement on a debt.

What kind of debt does Freedom Debt Relief work with?

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

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

Since you’ve stopped making payments to your creditors, there’s a chance that they may sue you in an attempt to collect what you owe them. Freedom Debt Relief makes available to its clients an optional subscription to a legal network of lawyers, which could help in these instances where you get sued.

Is forgiven debt taxable?

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

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User Reviews

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4.7

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14,374 Reviews

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Angela Wilson Pasley Hereford, AZ

I'm very disappointed with this company. I had paid my monthly payments on time, every month and I have twice received a summons on my accounts. Years ago, I worked with a different company that arranged monthly payments with all of my creditors and the collection calls STOPPED after a few months and the accounts were being paid. FDR just seems to want to wait until they are written off or I get taken to court before they do anything. I wish I had gone with a different company. We are a YEAR into this and I still get calls and just got summons last week. I would give zero stars if I could.

1 day ago

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Sharon Denton, MD

They said not to talk to our debtors and after I had paid over 8000 dollars to two of them because I was late on a pyt once in three years they said the debtor said its null and void and I have to start again. At the end it would only save me 92 dollars. That's it.

1 month ago

Reply from Freedom Debt Relief

Sharon, we're sorry to hear that you are not pleased with our services. We never intend for our clients to have a poor experience and we'd like to speak with you. We will be reaching out to you shortly to obtain your contact information. Thank you for choosing Freedom Debt Relief!

Jun. 19th, 2021

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J. Buck Fair Oaks, CA

I submitted a rather large claim. My smaller accounts were settled first allowing my larger accounts to go to litigation costing me more money out of pocket as well as no savings found. I feel that FDR did not have my best interests in mind and have resulted in getting quick money from me and leaving me with more in payment than originally discussed and signing up for. My larger accounts should never have been let go so long they went to litigation. If more money was needed to make sure they did not then it should have been brought up. Extremely upset and disappointed. My deposits are now up over $100 than originally discussed with no savings at all.

2 months ago

Reply from Freedom Debt Relief

It is disheartening to hear how dissatisfied you are with our service efforts. Our negotiators have built relationships with thousands of creditors. We know when to settle and how to prioritize your settlements – all based on your individual situation in terms of how much you owe and to whom. Unfortunately, some creditors are indeed more aggressive than others. Please know there is no benefit to keeping a balance enrolled any longer than necessary. We welcome any questions you have regarding our negotiation efforts and your account in general. Client Services is available 7 days a week to support your financial journey. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

May. 17th, 2021

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Michael Mauro Buffalo, NY

Been faithful to my payments towards the program since day one, however the pandemic has caused major issues with my finances. I been out of work 6 months so I asked if there was any way to ease the payments in regards to their charges, freedom debt relief takes a ⅓ of my monthly payment for fees. I understand when a negotiation for payment has been made that payment should be made but freedom debt relief basically told me they are unwilling to help you in regards to their fees due to the pandemic situation. Their solution was pay or loose the negotiated term. They've shown me just like everyone else they're not here to really help they're here to make a buck off your hardships. So I continue to barely make my monthly payments to them while everything else holds in the balance. They're representatives basically drives fear into you by telling you if you don't make full payment we won't negotiate any further and your negotiated debt term with your debtor's will be lost.

2 months ago

Reply from Freedom Debt Relief

We apologize, Mr. Mauro, if our level of customer service has not been up to par. As your advocates, our responsibility is to educate our clients of all potential outcomes regarding their accounts. If we recognize a potential negative impact on any ongoing settlements, we must make sure our clients fully understand how this could impact their overall progress in our program. We would never intentionally make our clients feel threatened in any manner about the voluntary service we provide. This is a hardship program, and we are dedicated to serving our clients' financial needs as much as possible. Please let us know if you have any other questions or concerns we may address for you at this time. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

May. 17th, 2021

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Bobby Faughn McKinney, TX

Checked my credit report since finalizing all accounts and utilizing Consolidation Plus and noticed all accounts showing at least 3 months of no payments and accounts closed! I thought Freedom Debt was suppose to be helpful with the derogatory comments and files showing late payments that are still having adverse effects to our credit scores! Please advise!

2 months ago

Reply from Freedom Debt Relief

We understand how unmet expectations can cause frustration, Mr. Faughn. This was certainly not our intent. It is the creditor's responsibility to update the credit report showing the balance is no longer owed. If you see any discrepancies, we encourage you to dispute the details shown. We strongly encourage you to contact Consolidation Plus to learn more about the impact on your credit. Thank you for choosing Freedom Debt Relief.

May. 12th, 2021

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Daniel Cedillos Elkridge, MD

Way to much fee money after the program and during the program

1 week ago

Reply from Freedom Debt Relief

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

Jul. 20th, 2021

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Ned Clark Los Angeles, CA

I was initially Pleased with Freedom Debt Relief (FDR)'s reputation and `Industry Footprint' as a large, responsible & effective Debt Negotiating Company - because doing this requires both Knowledge and Skills which I don't possess - and don't have the time to LEARN- much less spend handling these issues myself...I need to devote my waking hours to trying to keep my Tiny Family Business ALIVE. But over the last 12 months (corresponding with the COVID Pandemic), that satisfaction has been turned-into Angry Frustration by a SERIES of "Panic Situations" - ALL traceable to a mix of FDR's lackadaisical handling of documents & phone calls, as well as Ineffective Communication not just between FDR & myself, but between FDR & Debt-Holders - and even FDR and the "Legal Partner" which THEY (FDR) `Set Me Up With'. A GALLING example: In 4thQ 2019, I received an EXCELLENT Settlement Offer from CitiBank to clear $4,300 in card debt for $1,188.00; I made a Full Report to FDR, and presumed it had been `handled'...that is, until 1stQ 2021 - when FDR expected me to THRILLED' that they'd JUST Negotiated settlement wit the SAME Bank - for $3,660.00 (THREE TIMES AS MUCH AS THE ORIGINAL OFFER!). Now I've been Served with a SECOND Civil Lawsuit from DISCOVER's Collection Lawyers for the FULL / Original amount on the card - PLUS new Court Filing Fees - all because FDR `Fiddled while Debts Burned' for FOUR MONTHS re; over a prior Power-of-Attorney under a Negotiated Settlement. When my Business Income COLLAPSED due to California's (Necessary) COVID Shut-Downs, I'd sought a few "Financial Hardship Wavers" with FDR to reduce- or skip their bi-monthly Debits from my bank; the only problem was, FDR FAILED to advise the Debt-Holder OR my "Legal Partner" (National Litigation Law Group) of the situation...which triggered the Debt-Holder to "Terminate the Agreement for Non-Compliance" - oh, and with NO personal contacts about the `Problem' NLLG DROPPED my Representation...by email. Now DISCOVER's Collection Lawyers want 100% of the Original Debt PLUS new Fees for their Collections Actions. So, W.T.A.H. am I Paying Freedom Debt Relief to (1) NOT do Their Job, and/or (2) Force ME to have to `Do FDR's Job' of contacting the Debt-Holder & FDR's Legal Partner to correct- and work-around FDR's "Errors & Omissions"?

3 months ago

Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding your recent experiences, Mr. Clark. This is not our intervention by far. We prefer our clients to feel well-supported, especially during challenging times such as these. An account specialist will be reaching out to you shortly concerning the matter. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

Apr. 13th, 2021

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Gary Hall Jacksonville, FL

They lied to me told me the only fees I would pay were the monthly fees that came out of my deposits now I find out I have to pay a percentage of what my debt was on top of those fees I also settled one of my own debts and now they are charging me a percentage for doing their job They are super slow at getting anything done and will not communicate with you unless you harass them Totally do not recommend this debt relief company find an honest one Don't be like me and get stuck with this trash Because now no matter what I have to pay them the fees even if I cancel myself out of the program They didn't tell me any of that either They are a bunch of liars if I could have gave them 0 stars that's what I would give them

3 months ago

Reply from Freedom Debt Relief

We are disheartened to hear how frustrated you are with the costs of using our program, Mr. Hall. Yes, we do collect a settlement fee. However, our settlement fees are not charged nor collected until we've reduced the amount owed to the creditor and the first payment has been accepted toward the terms of the agreement. We are more than happy to explain the details of your account in greater detail. An account specialist will be reaching out to you shortly concerning the matter. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 6th, 2021

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Tim B Piatchek Springfield, MO

Fees charged after a debt was paid . I explained this To them before during and after regarding the debt

1 month ago

Reply from Freedom Debt Relief

We never intended to disappoint you, Mr. Piatchek, and apologize for any confusion regarding how our fees are collected. Yes, our settlement fees are collected once a balance has been reduced successfully. However, it seems we are having a disconnect somewhere, which is causing a poor experience for you. An account specialist will be reaching out to you shortly concerning the matter. We appreciate you for voicing your concerns. Thank you for choosing Freedom Debt Relief.

Jun. 21st, 2021

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Derrick Jones Detroit, MI

Poor very bad experience and lesson learned in dealing with FDR. I am paying 1100 a month on a account that FDR was suppose to handle but didn’t . I have nothing positive to say aboutFDR!! Overall I am paying 1500$ a month !! Terrible experience .

2 months ago

Reply from Freedom Debt Relief

This is not the experience we'd prefer for you to have, Mr. Jones. The size of the monthly payment is a factor, as our program payments are often much lower than the required monthly minimum from creditors. When enrolling clients into our program, the calculated deposit amount is expected to cover the costs of all enrolled debts. If there has been an oversight on our part, please know we will take the necessary action to correct any issues. An account specialist will be reaching out to you shortly concerning the matter. Thank you for choosing Freedom Debt Relief.

May. 17th, 2021

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David Martinez Ontario, CA

DONT DO IT!!! Freedom will take their % of the TOTAL debt and then settle with the Credit Card Company AND you WILL still have the negative on your credit report. For example if the total debt is 50k they will take their % of the 50k and then settle with the CC company for like 40k. You paid Freedom $16,500.00 so in total you paid $56,500.00 for an assigned debt of $50,000.00 AND there is a negative mark on your credit report for 7 years or longer!

3 months ago

Reply from Freedom Debt Relief

We appreciate you for voicing your concerns, Mr. Martinez. However, we have several concerns regarding your feedback. Our settlement fees are not collected until after we've reduced the balance owed to the creditor. The amount of the settlement fee varies and depends on the client's state of residence. Also, once the balance is resolved, the creditor is responsible for updating the account status. If you have any other questions about our fees, feel free to contact Client Services for assistance. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Apr. 13th, 2021

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Chester Riese Socorro, NM

My experience with Freedom Debt Relief has been great. I didn't know which way to turn until I talked to them. They have managed getting my account to where I have not been stressed out. It is great to know that everything is being taken care of as I could not go much longer. I am so glad to have them to help me.

6 months ago

Reply from Freedom Debt Relief

Thank you, Chester, for your amazing feedback! Our team takes pride in providing world-class customer service to our clients and we're always here for you. If you need any assistance, please call us at 800-655-6303. Thank you for being a valued client of Freedom Debt Relief!

Jan. 26th, 2021

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John W Las Vegas, NV

I signed up and enrolled nearly $15,000 of debt with FDR. I was told that it would take a minimum of 6 months for my first settlement. I even deposited $3,500 into my dedicate account within the first two weeks and had another $3,000 on the way before I cancelled my program. They settled one account from Bank of America (original balance $750) for $450.00. Add on the 25% fee they charge per debt ($194.00 for this account) which only saved me $106. I could have settled myself and actually paid $300 per the bank rep I spoke with. This would have saved me an additional $350. Had I let them settle all my debts, say at 50% I would have paid $7,500. Add on their 25% fee of $3,750, I would have paid a total of $11,250 to settle $15,000 in debt. I did it on my own and settled $15,000 of debt for $6,125, saving me $8,875. So two suggestions: 1) If you don't have a decent amount of money to throw at your creditors like I did, go with the FDR program. However; 2) If you have a little extra that you can use, do it yourself and save a considerable amount of money.

4 months ago

Reply from Freedom Debt Relief

We appreciate you for taking the time to share your feedback with us, John. We agree that our program is not the best solution for every debt situation. However, real-life data shows that the Freedom Debt Relief program has helped many consumers. We wish you the absolute best in all your financial endeavors. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Mar. 30th, 2021

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Pipersix6 Minneapolis, MN

They flood you with Auto Dialer calls and send emails that you can't reply to or use to communicate with. No different than a creditor. I have invested over 8,000 into the program than when I asked to discuss my concerns they canceled saying I did not make my deposit which is not true, I never missed a deposit. They base their settlements on the charge-off amount plus interest since the date of the last payment. This is just wrong. A percentage of an amount that the creditor did not declare as a loss? FDR also claimed they would handle a 1099 if I received one. They did not do so. I plan to sure!

5 months ago

Reply from Freedom Debt Relief

Hello, thank you for bringing this to our attention. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out shortly. Thank you for the review and your comments are greatly appreciated.

Mar. 2nd, 2021

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James E. Rodriguez Dallas, TX

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.

11 months ago

Reply from Freedom Debt Relief

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.

Aug. 25th, 2020

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Verified Customer

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Timothy Boyd

I used them for almost a year and put over 3 thousand dollars into my account. The debt settlements that were settled and paid didn't even total 1000 dollars, so between settlement fees and other monthly charges they got over 2000 thousand dollars from me. Then once I canceled the account they took the remaining money that was in my account and said that i still owed them more. DO WHATEVER YOU MUST DO TO GET AWAY FROM freedom debt relief, RUN, CRAWL, HIDE, JUST DONT WASTE YOUR TIME WITH THEM. I learned on my own that the companies that we owe will work with us and make payment plays that we can actually make and keep thwe debt from collections.

2 years ago

Reply from Freedom Debt Relief

We are so sorry to hear you were not satisfied with our program. Settlement fees are outlined in your contract documents and are collected once the settlement is authorized and a payment has been made. We guarantee savings for our clients. Termination during ongoing settlements hurts you because it does not allow us to continue to pay your creditors when you have already paid for the service. A member of our team will be reaching out shortly to explain in detail. Thank you.

Jul. 10th, 2019

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Veronica Vienna, VA

Many of my debts were held until the debts were increased so much, that afterward after they claim debt relief on a debts, with their fees counted in, you end up paying more. Plus the companies that you end up negotiated send you a 1099 for debt cancellation and you owe taxes like income. I was asked time and time again to get one of their associated “loans”! I ended up selling my home and giving them an extra 10k to excelerate the program. The money sits there, not getting any interest instead of my bank. They also charge you a fee to send a check of $10. Each time they mail a check. Funny they were doing this for a $14. Monthly debt for 8 months. Beware! I still have two debts that have not resolved and the cash is there to pay them in full. They just want their fees!

8 months ago

Reply from Freedom Debt Relief

Veronica, 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.

Nov. 9th, 2020

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Nancy Yarusso

I am disappointed in how my case was handled. Arrangements were made for one of the three creditors which left no money to deal with the other two creditors until 3 years had passed. I was told I'd be debt free in three years. There was no negotiation with the first creditor so I could have made that arrangement myself. I didn't need Freedom to do that so what good did it do to pay Freedom for doing nothing. The attorney I spoke with, Mr Anderson I believe was less than helpful. I found him to be condescending and rude.

2 years ago

Reply from Freedom Debt Relief

We're very sorry to hear of your disappointments, Ms. Yarusso. Our negotiators take every opportunity available to negotiate the enrolled balances. However, we completely understand the frustration you feel regarding the aforementioned account balance. Although you've decided to discontinue in our debt relief program, we would still like an opportunity to speak with you in an attempt to address the concerns you had that led you to your decision. A team member will be reaching out to you shortly using the contact information we have on file. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

May. 29th, 2019

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Lynne

They basically lie to you after 8mos and making every deposit I was required to make they still had not settled one thing every time I called customer service I got fed a bunch of bs and told everything was good. I now have two lawsuits against me with creditors as they did not do as promised and I am now facing bankruptcy. Read the consumer affairs reports and lawsuits against this company and you will see they basically lie and you end up in worse shape.

2 years ago

Reply from Freedom Debt Relief

We are terribly sorry to hear of your experience in our program. Understandably, receiving notice that a legal suit has been filed by an enrolled creditor is quite frustrating. It is true that some creditors are more aggressive than others. Therefore, we have a sense of how aggressive they may or may not be based on this experience. We can share that insight with clients during the initial debt evaluation and put plans in place to prepare if threats of legal action happen. We are proud of the value we provide to our customers. Our services, including coaching, are fully and transparently disclosed. No consumer complaints have been filed with the CFPB; the high satisfaction with our services by consumers whom the CFPB claims were injured speaks for itself. We hope our regulators will listen. Please read our formal response. Please know that it is disappointing to learn that your best option at this time is to move forward with filing bankruptcy. We like to consider our program as an alternative option to keep from having to use this option. However, we also know that bankruptcy can provide a real fresh start for some consumers. We wish you nothing but the best. Thank you for allowing Freedom Debt Relief the opportunity to service your financial needs.

Apr. 2nd, 2019

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Lisa Baltimore, MD

Their customer support is awesome. They're really good. They were very friendly and they're very alert and very knowledgeable. They didn't really keep me up to date. They wouldn't let me know what was being paid until after the fact until you wound up calling them and saying what's going on. I have actually been sued five creditors because freedom debt has not paid anything on it and I didn't know how they were doing it. I didn't appreciate it.

2 years ago

Reply from Freedom Debt Relief

Dear Lisa, We’re sorry to hear about the trouble you have had with the program thus far! We definitely do inform our clients when we have reached a settlement on their accounts and we cannot move forward with a settlement unless we have the client's authorization. When you enroll your accounts in the program we are not paying them all at once. Our program works on negotiating based on the funds available in your dedicated account. We do not keep anything from our clients and we always encourage our clients to visit their client dashboard to see the status of their accounts as we will only contact you at the time we have reached a settlement. We truly care about our clients and always have the best interest for them. Please reach out to our client services department at (800) 655-6303 or if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Mar. 28th, 2019

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Lindsay Brett McGowen Delano, CA

Poor service. My account has been neglected. Cannot get any answers and each representative tells me a different story.

4 months ago

Reply from Freedom Debt Relief

We regret to hear you are disappointed with our service efforts at this time, Mr. McGowen. Providing accurate information to our clients remains our top priority. In reviewing your account, it appears an account specialist is heavily involved in resolving your concerns. Please continue communicating with your point of contact. We are confident the two of you will get the matter resolved. Thank you for your continued patience and for choosing Freedom Debt Relief.

Apr. 5th, 2021

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Jessica Rodríguez Buffalo, NY

Do your own research. This people will charge upfront even if ZERO payments have come out to any APPROVED settlement, after you approve you’ve given the right to collect the fees, UPFRONT!!

3 months ago

Reply from Freedom Debt Relief

We never intended to disappoint Ms. Rodriguez. Settlement fees are not billed nor collected until the creditor has agreed to a reduced balance and has accepted the first payment. After this, our fees become valid as we have fulfilled our responsibility to the client. We are more than happy to address any concerns you have regarding our fees. Client Services is available 7 days a week to answer any of your questions. Thank you for allowing Freedom Debt Relief an opportunity to serve your financial needs.

Apr. 13th, 2021

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Debbie Chicago, IL

Don’t do it !!!! They saved my NO money and allowed liens on my property that I was not even aware of !!!! Awful. Just awful. Stack your debt and do it yourself !! I wish I had !!!

3 months ago

Reply from Freedom Debt Relief

Debbie, we're so sorry to hear about your experience with our company. We never intend for our clients to have a poor experience and we would be more than happy to speak with you regarding your concerns. We will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief!

Apr. 9th, 2021

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Bill ,

Really poor communication, got bad advice from the beginning and I lost money instead of saving and worst of all, this absolutely destroyed my credit rating. Also , no one of any importance ever offered to help me or at least explain the situation. I call this false advertisement.

4 months ago

Reply from Freedom Debt Relief

Bill, we're so sorry to hear that you are not pleased with our services. We never intend for our clients to have a poor experience and we would like to speak with you. We will be reaching out to you shortly to obtain your contact information. Thank you for choosing Freedom Debt Relief.

Mar. 31st, 2021

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Scott Jacks Broken Arrow, OK

Lawyers got involved on one of my debts. I called immediately and was told to take care of it myself and call them because that debt wasn’t “in negotiations” yet. I called them and removed that debt from you guys. Now I found out you are charging me commision on an account you did nothing for. Really?

5 months ago

Reply from Freedom Debt Relief

Scott, thank you for bringing this to our attention. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out shortly. Thank you for the review and your comments are greatly appreciated.

Mar. 2nd, 2021

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Lacountysfinest ,

I am on my last settlement account with freedom debt relief. After being with this company for three years and knowing what I know now I wouldn't recommend them to anyone. I ended up paying more in the long run with them than I saved by using them. It would have saved me money to do everything on my own. Don't waste your time. One of my accounts that they saved for last was the largest account I owed on and collected over $10,000 in interest and fees. The extra amount that built up on that account surpassed how much I "saved" on all the other accounts. Really disappointed

8 months ago

Reply from Freedom Debt Relief

We're disappointed to hear how dissatisfied you are with your savings when using our service. We offer a proven solution at an affordable monthly cost that helps our clients pay down their entire debt; principal, fees, interest, and all. However, we hear your concern and would like an opportunity to review your account in detail. An account specialist will be reaching out to you shortly concerning the matter. Thank you for choosing Freedom Debt Relief.

Nov. 18th, 2020

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marion pruner Massena, NY

they are only taking off the interest and late fees i am still paying back the original amount. and they lied!!! now i am going to be debt free in 2023 or 2024 . even the commercials say 24 to 48 months i will be 5- or 6 years!!!! been sued twice!! thank god i got the lawyer protection. this program totally sucks!! my debt program started in 2018!! don't know when i'll be debt free it keeps changing!!

8 months ago

Reply from Freedom Debt Relief

We are disappointed to hear, Mr. Pruner, you're dissatisfied with our service efforts at this time. It is frustrating when creditors choose litigation to collect on a balance due. We’re prepared to handle these types of collection strategies and have engaged a network of attorneys, the Legal Partner Network, that specializes in resolving debt litigation cases. Our Client Services team is available 7 days a week to address any concerns you have regarding your account. Thank you for choosing Freedom Debt Relief.

Nov. 2nd, 2020

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Anonymous

they are not a good company. they cost way more then they said they would at the start. bt the time iam done paying off my debts there will be no savings ,just about the same price as it was when i entered program but my credit is totaly bad now

1 year ago

Reply from Freedom Debt Relief

We appreciate your feedback and apologize for any disappointments you've experienced in your program savings. Our team would like an opportunity to further discuss the concerns mentioned. Would you please privet message us your contact information so we can reach out?

Nov. 26th, 2019

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Anonymous

I wasn't inform that I have to pay more money that I am giving already if I got sued. So after all the money that I put in it was a waste of time because I still had to file bankruptcy something that I didn't want to do from the beginning.

2 years ago

Reply from Freedom Debt Relief

We appreciate your feedback. Our team is deeply saddened to hear our program was not the right fit for you. There are rare instances with creditors where additional funds are needed, however we provide multiple options to resolve these scenarios on behalf of our client. A member of our team would love to discuss your account in detail and will be reaching out shortly. Thank you.

Jun. 27th, 2019

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Stressed to the MAX in Kentucky

In a worse situation after joining then before. Said don't worry. We have NLLG (lawyers), payments won't go up.Law group offered 1 thing, did another. Now I'm left with higher monthly payments than I had before I joined.And only 6 days to come up with an extra $600.00 & $255.00 for 9 more.

2 years ago

Reply from Freedom Debt Relief

We're so sorry to hear that one of your creditors is suing you! We know it can be very stressful and we want to make sure you have all the resources! We will be reaching out to you privately.

Sep. 18th, 2018

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Dayna Young Allen, TX

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.

11 months ago

Reply from Freedom Debt Relief

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!

Aug. 25th, 2020

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Andrea Tencza Seneca, SC

Everything was going along fine, and Freedom From Debt settled 4 of my accounts. The last account was a problem. I was not aware that I had to appear in court, and I don't know who appeared in my behalf. It was settled for the full amount, over $29,000 + interest !of medical debt. I NEVER would have agreed to that, but since I had signed a POA, I gave FFD the right to act for me. It would have been better for me if I had gone to court to give my side of the story. I paid for legal representation, and I feel betrayed. Calls to my "advisor" did not help. So, do your research to find out what debt relief companies have the best rating.

11 months ago

Reply from Freedom Debt Relief

Andrea, thank you for bringing this to our attention. Please allow us to reach out to you so we may the address the mentioned concerns. Thank you for choosing Freedom Debt Relief.

Aug. 25th, 2020

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Manny Lujan Sedalia, MO

The program was great until I cancelled it due to costs. I called to close my account a few days before they withdrew the monthly fee of $254 from my bank. The lady I spoke with said she closed it. On payday I checked my account & FDR withdrew the $254. I called a second time & a man closed my account & said the $254 would go back into my bank acct. on the 20th - It didn't - I called a 3rd time asking for my $254 plus whatever was left in my dedicated account. The lady told me that FDR had to contact my creditors due to negotiations & they would need to listen to my recorded audios about cancelling before they could reverse the transaction. According to my agreement, I can cancel at any time without penalty & get what's owed to me. The agreement also stated that upon cancellation, FDR would immediately stop all interaction (HAVE NO CONTACT) with my enrolled creditors. So why was I told I had to wait another 7 days so FDR could make a decision about reversing the $254 withdraw? I called again to ask about my money & the lady hung up on me & sent me to the survey. I tried again & another lady told me that it looked as though my issue was being resolved because my dedicated account balance was ZERO! That I should look at my bank account again because the transaction was reversed. Here I am on the 22nd & have yet to receive my $254 or the money that already in the dedicated account!!! Aug the 17th was the $254 withdraw date. I called to cancel on the 14th, then again on the 18th, again on the 20th, the 21st and today is the 22nd... and to this day... I have NOT received MY MONEY!! I am so angry with FDR & would appreciate if SOMEONE could explain this to me. When I try calling the system no longer has me as a client, but I was still able to log on to my dashboard as of yesterday, the 21st... WHAT THE ****? I just want my money back ... It's been tough as it is & I really can't afford what this program has cost me! No Thanks FDR Manuel Lujan Sedalia, MO

11 months ago

Reply from Freedom Debt Relief

We are very sorry to hear about your experience, Manuel. It is never our intention to put our clients in further hardship when dealing with us. We understand why this would be frustrating for you, and we would like the opportunity to discuss this more in-depth. Please know a member of our team will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Aug. 25th, 2020

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Tina Staten Island, NY

It's been horrible I would not recommend them to anyone. They tell you one payment and you end up paying a payment you can not afford.

6 months ago

Reply from Freedom Debt Relief

Tina, we're so sorry to hear you are not pleased with the results our program has provided. We would be more than happy to discuss your concerns with you. Please provide us with your contact information so a member of our team can reach out to you. We appreciate you choosing Freedom Debt Relief!

Jan. 21st, 2021

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Mike C. New Orleans, LA

This program sounded good at first. I wish I would not have enrolled. The communication is very poor. They were very active in recruiting me to join. The communication afterwards is mainly online and non-responsive.

5 months ago

Reply from Freedom Debt Relief

This is certainly not the experience we'd prefer for you to have, Mr. C. Our clients are our top priority, and we want to do what's best for them. Our Client Services team is more than happy to address any questions or concerns that come up for you. We are available 7 days a week and are here to support your debt-free journey. Thank you for choosing Freedom Debt Relief as your guide to financial freedom.

Feb. 5th, 2021

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Nelson Lamar, MO

They charge too much and they take all of their money out first before they pay the bills that are supposeed to be paid. We're paying almost six hundred dollars a month now for that.

2 years ago

Reply from Freedom Debt Relief

Thank you for your honest feedback, Nelson. We process our fees after a settlement has been authorized by you. As our client, please know that we have your best interest in mind when it comes to settling your accounts and distributing your funds to your creditors. If you have questions about our fees and how they are processed, we encourage you to reach out to our client services team by calling (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief.

Feb. 27th, 2019

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Adam Isanti, MN

You pay more fees by the time your done then you originally owed the save nothing and your left with destroyed credit and never told that with every account you settle they will add more fees in the thousands

2 years ago

Reply from Freedom Debt Relief

We're sorry to hear your disappointment with the program, Adam. We would love to review your account with you and hopefully resolve the concerns you are having. We will reach out to you privately.

Sep. 18th, 2018

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Anonymous Adamsville, TN

Lied about a situation with money I had left in my account, when called about it I was told something totally different that previously told, it's just been a confusion and mess

2 years ago

Reply from Freedom Debt Relief

We're very sorry to hear that you having been experiencing some confusion! We would be more than happy to resolve the concerns that you're having! We strive to make sure each client is aware of their debt relief program and a smooth porcess! Please reach out to our client services department at (800) 655-6303 or for further assistance.

Sep. 18th, 2018

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Delsy Diaz New York, NY

The communication isn’t good, and I’m not satisfied with the program.

3 weeks ago

Reply from Freedom Debt Relief

This is upsetting to hear, Ms. Diaz. We never intended to disappoint you. Our goal is to support your financial journey by clearly communicating your progress in the program. In reviewing your account, we see that an account specialist has attempted to reach out. We are confident that this collaboration will lead to a better experience for you going forward. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jul. 9th, 2021

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Monica Birch Menifee, CA

If you are thinking of using Freedom Debt Relief DON'T DO IT!!!!! You can negotiate with your creditor yourself!!! It won't ruin your credit & it won't cost you an arm $ a leg. I tried to find out how much more was owed to my creditor from FDR and when I asked if I could send in the amount still owed to FDR & pay the creditor earlier they said I couldn't do that. Do yourself a HUGE favor & DO NOT USE FDR (or companies similar to these guys). Also their customer service stinks!! No one can answer a question as they have scripts that they all read & therefore can't ever answer your question.

11 months ago

Reply from Freedom Debt Relief

Hello, Monica! We're sorry to hear you are not pleased with the results our program has provided. A member of our team will be reaching out shortly to discuss your concerns. Thank you for choosing Freedom Debt Relief!

Aug. 25th, 2020

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robert watkins Troy, MI

freedom sat on my largest dept until i was sued. they settled for the full amount of the dept with monthly payments. my other large debtor offered several times to settle for pennies on the dollar freedom did nothing until i threatened to settle it myself.they then settled using my offer . must have taken them at least 30 minutes. then had the gall to charge me $2600 to settle a 2100 debt involving no work on their part. this after sitting and doing nothing for 2 years.

11 months ago

Reply from Freedom Debt Relief

Hello Robert! We're sorry to hear that your experience in our program has not been consistent. Our goal is to support our clients as best as we can. We would like an opportunity to speak with you further regarding the mentioned experience. One of our experienced team members will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief!

Aug. 25th, 2020

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HollyAnn Povee Sun City, AZ

Worst experience of my life. They lie to you, they tell you and its in their contract "we do not charge a fee for our services until a settlement is reached and approved by you." They tell you after you make 3 monthly payments they will begin work with your creditors, LIE, LIE, LIE. After 3 monthly payments, they change that to 6 months before they work with your creditors. They tell you "if you cancel all your money will be returned to you except what is paid to the creditors" LIE, LIE, LIE. We paid 4 months of payments and when we cancelled they charged us $100's, yet not one of our creditors had been contacted and no settlement was ever approved. I've contacted our creditors and have actually worked out something much better and shorter than Freedom proposed. DO NOT USE FREEDOM, DO IT YOURSELF.

1 year ago

Reply from Freedom Debt Relief

HollyAnn, we're sorry to hear about your experience with our company. A member of our team will be reaching out shortly to discuss your concerns. Thank you for being a valued client of Freedom Debt Relief!

Jul. 29th, 2020

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Shannon Banner Independence, MO

I have called 7 times telling you I decline a settlement. It's been going on for months I said I wanted a better percentage and less payments your people just keep ignoring me and have sent it in a txt message for me to accept over 100 times I finally just gave up on calling you on it. And just ignore it like you have done with my wishes. I ask that you stay on that account and renegotiate so interested rates didn't go up. And you don't even listen to anything I ask. I wish I'd of went with a company that listened to it's customers. But I'm kinda stuck but I will never accept that one offer but I'm sure you'll just keep sending it for me to accept and ignore what I say. I just quit calling you it took 30 to 40 minutes out of my day each time for no one to even listen

1 year ago

Reply from Freedom Debt Relief

Shannon, 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.

Jul. 20th, 2020

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Annie Manno Memphis, TN

I would not recommend this relief program for a couple reasons. They will extend “in negotiations” and “settling” for unreasonable amount of time to collect their own profit. I was assured when I first signed up it wasn’t like that. I understand they need to make money from helping me lower my debt after researching more about medical debt especially for my child who is 9, was being drawn out when the hospital already sold the debt to a collection agency for pennies. Breaks my heart that company’s are allowed to do this and collection agency’s as well freedom debt relief program would take advantage of people wanting to pay back their debt

1 year ago

Reply from Freedom Debt Relief

Annie, we empathize with your frustrations and that's why we need to speak with you so we can resolve your concerns. We never intend on making anyone's situation worse. We are truly here to help you! A member of our team will be reaching out to you shortly to address your concerns. Thank you for choosing Freedom Debt Relief.

Jun. 19th, 2020

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Sam Ardeno Bulls Gap, TN

Be aware of everything Jeff H says on the phone. Pay attention to whats on paper and the amount of debt you enrolled and the interest charge after Jeff ask you to stop paying the creditors. The interest will go up when you stop paying. When they do negotiate. The offer freedom brings to the table is the only offer. If you don't take it then they will kick you around to three more advisers. that say the same thing. Then most likely ask you to stop doing business with them. My last offer was the only one I asked for better results. Which they didn't even try. They said 55% savings but if you looked at my enrolled debt from the start before interest. It was more like 15%.

1 year ago

Reply from Freedom Debt Relief

We're sorry to hear about your disappointments with the outcomes of our program, Mr. Ardeno. Our negotiators have worked with over 100+ creditors for the past several years, and have developed excellent relationships with them. This allows us to obtain the best settlements possible for our clients. Please consider the fact these balances are now behind you, providing the opportunity to achieve your financial goals. We appreciate the chance to serve your financial needs, Mr. Ardeno. Thank you for choosing Freedom Debt Relief.

May. 1st, 2020

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Leslie Battle Creek, MI

They lied and withheld important information like including their outrageous fees and how if I settled I would have to pay taxes at the end of the year to the IRS. Also I would be taking a chance to get sued by the creditors I own. All they did was take my money each month and didn’t do anything else but lied every time I called saying that they was working on a settlement from my creditors. Well in fact they didn’t have any contact with them! I was constantly getting calls from my creditors due to them not doing anything with the money I was giving them. After 2 months with being with them I canceled the program due to my credit score taking 120 point hit for not paying my creditors like they advised me to do. I ended up calling my creditors myself and they worked with me. I should of have done that from the beginning. When I called to cancel the transferred me to this rude representative that told me I was making a mistake. I told the representative you guys caused me more trouble than relief! When I asked about my refund he claims they will take out their fees before I get a refund. Fees for what they didn’t do anything for me but gave me terrible advice and held on to my money. Also it will take 21 days to get my refund. Apparently I should be getting a check. Let’s wait and see... Stay far away from these people. They will NOT help you. They will cause your credit score to tank and you could possibly get sued by your creditors and possibly owning more from when you started.

1 year ago

Reply from Freedom Debt Relief

Leslie, we are saddened to hear how you feel about our services. We understand that at times the program can be confusing, so we do our best to keep our clients informed on their accounts. Our settlement fees vary and are calculated based on the laws in the state you live in and the amount of your debt. The average is 20%. No client is charged more than 25%. So if you compare our fees to 100% of the debt amount plus any interest and additional late/penalty fees if someone can't meet the monthly required minimum payment you're saving a great amount in our program. We understand that our program is not for everyone, and we are okay with that. Again we are sorry to hear that you had this experience and if you ever have any questions please call Client Services at (800) 655-6303.

Apr. 10th, 2020

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Kevin Oleksowicz Brooklyn, NY

In choosing to follow your company advice and not pay bank of America has cost me a law suit in following your strategy of not paying to get better leverage to nenegotiate a better settlement my enrolled that of roughly $24,000 has increased to over $28,000 in which that is what I have to pay for the lawsuit because I do not have a lawyer to fight for me even though your company advertise that I would have legal representation and I do not all I have is a company that would put in a settlement that works in the favor of Bank of America unless I pay all there fees So I have to had to settle paying 4 thousands plus on top what I enroll to prevent the following lawsuit from putting a lien on my house because of following advice from different representatives from your company and add insult to injury I received an email stating that you would waive the fees for settling this debt and which I now incurred an extra $4,000 because of your company you really should have not sent that email I can go on but what's point. I would like all email copies of letters or correspondence between you and Bank of America to show that you where actually were contacting them on my behalf to try to negotiate a settlement prior to this lawsuit being incurred

1 year ago

Reply from Freedom Debt Relief

We're sorry to hear about your disappointments, Mr. Oleksowicz, regarding your experiences in our program. Unfortunately, some creditors choose the option of litigation to collect on an outstanding balance. Our negotiators and legal partners take every opportunity to negotiate and settle the enrolled balances as quickly as possible. However, if we are unsuccessful in reducing the enrolled balance, settlement fees will not be collected. This is per the agreement signed when enrolling in our program. We ask that you consider the fact that the balance is now behind you and we can move forward in settling other enrolled balances. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 6th, 2020

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Barb Daniel Buford, GA

There is no communication at all once you are enrolled, unless you call in , you never speak to anyone again. Not knowing the “strategy” for your debt relief is frustrating. Nothing happens for six months but they don’t tell you that upfront. Targeted negotiations change on a whim, you believe one account is being settled and then that is changed and the dashboard indicates a different one is in negotiation, but then nothing happens at all. Settlements are reasonable but fees outrageous and your monthly payment goes to fees instead of creditors. Word to the wise, negotiate with your creditors yourself, and save yourself the prolonged and expensive “solution” Freedom Debt Relief offers.

1 year ago

Reply from Freedom Debt Relief

Barb, we are extremely sorry you are not satisfied with the results of the program. We love to assist our clients with updates, and we have our team of professionals available for them seven days a week. One of our experienced team members will be reaching out to you shortly to address your concerns with the hope to better your experience with us. Thank you for choosing Freedom Debt Relief!

Feb. 11th, 2020

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Lula Powell Goldsboro, NC

I was mislead by the statement that no fees until debt was settled did not think this based on each creditor settlement. I have a current summons from American Express National Bank that has not been responded to and the attorneys for the creditor contacted me and state that they had not been contacted by National Litigation. Another debt collector for Chase has contacted me and they indicate that they have not been contacted and that they do not work with debt relief companies. I want someone to explain the status of the case with American Express before I am due to respond in Court on December 27, 2019.

1 year ago

Reply from Freedom Debt Relief

We empathize with your frustrations, Lula, and we are sorry you are not satisfied with the results of the program so far. We would like an opportunity to go over your concerns and answer any questions you may have. One of our trained team members will be reaching out to you soon.

Dec. 30th, 2019

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R Jacksonville, FL

I was never informed that a “strategic hold” was going to take place on my accounts. In other words, I was not told that Freedom Debt Relief was going to let my debt sit, unpaid, until it made sense to negotiate down the owed amounts. I was told that they would be contacting each of my creditors individually to settle on a cash amount to be paid in full to close out the accounts. I was also told that the creditors would be contacted and notified that no payments would be made until a lump sum amount was agreed upon. I gave FDR $10,000.00 cash to settle just under $15,000.00 in debt because I was told their employees would make phone calls and be able to get it all settled using "special terminology". After working with FDR for one month my credit went from over 700 to barely 500. At this point in time I am unable to apply for anything because of the negligence of a Freedom Debt Relief employee and the false information I was provided. I have never missed payments on my accounts until FDR swindled me into working with them under false pretenses.

1 year ago

Reply from Freedom Debt Relief

We are sorry to hear that you are not satisfied with the results the program has provided. A member of our team will be reaching out to you shortly to address your concerns. Thank you for choosing Freedom Debt Relief.

Oct. 29th, 2019

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