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Freedom Debt Relief

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14,078 User Reviews

9.9

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

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

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

The company offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 40 states.

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

View Freedom Debt Relief reviews below.

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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

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 (FDR) has over 17 years of experience in the debt settlement industry. It has settled over two million accounts since its founding and regularly settles over 50,000 accounts monthly.

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

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

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. 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. They commend FDR for having good customer service, explaining debt management, and keeping them updated on where they are at in the debt settlement program.

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

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

No Fees Charged Until After Debt Is Settled

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

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

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

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

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

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

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The Bad

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

Freedom Debt Relief Cost

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

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

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

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

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

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

Limited Availability

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

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

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

An additional limitation with Freedom Debt Relief is that the company only works with debtors with unsecured debt. Freedom Debt Relief is not an option for those struggling with secured debt.

Complaints

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

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

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

Consumer Financial Protection Bureau Lawsuit

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

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

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

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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, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from them during your free consultation. 

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Freedom Debt Relief Frequently Asked Questions

What is Freedom Debt Relief?

Freedom Debt Relief is a debt settlement company. 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.

Message from
Freedom Debt Relief

Freedom Debt Relief is a debt settlement company that could help you get out of debt with no loan required. Our 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.

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4.7

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14,078 Reviews

Review Breakdown

5 grade

81%

4 grade

12%

3 grade

3%

2 grade

1%

1 grade

2%

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Michael Daly The Villages, FL

Mixed. Had three accounts. The first two i saved money using FDR. The last account was sent to attorneys for collection . three months ago i was offered a settlement of $11,000. I since joined the consolidated loan program and the FDR negotiator recommended i settle for $17,000. That was the best they could do. Had i been offered this program earlier I could have saved a lot of money. Additionally the amount of my recommended monthly dedicated amount was obviously not sufficient to cover my enrolled debt. FDR then added there $4,000. My net reduction was about $4,000 from my total amount that I owed. I probably could have done better just dealing with the credit card company. Not satisfied with the outcome.

3 days ago

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Reply from Freedom Debt Relief

We appreciate you for sharing your feedback, Mr. Daly. Congratulations on the opportunity to quickly resolve your enrolled debts with our sister company. Our estimates for your savings, program length, and monthly payments are based on more than 15 years of data and experience getting our clients the best possible results. We wish you the very best in all financial endeavors. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 13th, 2021

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Carlos Penuela Houston, TX

as far as I've seen, the company is stuck doing things the same way as always, not changing with the economic times, inefficient, not looking for the customer's best interest

1 week ago

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Reply from Freedom Debt Relief

We're disappointed to hear this is how you feel, Mr. Penuela. Our clients are our top priority, and we want to do what's best for them. While there are some downsides to every debt relief option, real-life data shows the Freedom Debt Relief program does work for consumers. We’ve resolved over $10 billion in consumer debt and helped hundreds of thousands of people get their lives back. An account specialist will be reaching out to you shortly regarding the concerns mentioned. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 13th, 2021

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Gracie A. Sanchez Albuquerque, NM

I was given a time frame of around 6 months on my debts. It has been almost a year & a half since I started the program. It is moving forward at a slow pace even though I have increased my monthly amount. Truthfully, if I had been given an accurate overview, I would have continued paying on my original debts as I was in good standing with my debtors. Even though I was paying a lot in finance charges. I would however, recommend the program to someone overwhelmed by their debts.

1 week ago

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Reply from Freedom Debt Relief

We appreciate your feedback, Ms. Gracie, and your patience even more! Our negotiation process takes time, and we appreciate your understanding. We encourage you to contact our Client Services team to learn what options will accelerate your Graduation Path. We are here 7 days a week to support your financial needs. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 6th, 2021

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Teresa Johnson Snow Hill, MD

Everyone is super nice but I have not received the expected savings because of settlement fees, monthly fees & now I am entering a new agreement with Consolidated Plus which I will have to pay even more interest and fees. Then there are taxes on savings not considering fees.

2 weeks ago

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Reply from Freedom Debt Relief

We appreciate you for voicing your concerns regarding your account, Ms. Johnson. Our program payments are often much lower than the required monthly minimum from creditors, even when accounting for our fee. The good news is that if you can afford the monthly program deposit, our fees are already included in that amount. We wish you the absolute best as you continue your financial journey. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 5th, 2021

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Steve Stangland Napa, CA

Staff is friendly and helpfull. They work hard on my behalf. they successfully negotiate almost 50% reduction over all my accounts. Information is hard to get and I have to ask alot of questions for simple info, I get different answers to the same question from different staff. The website takes a long time to update changes in my account. It takes a long time for my deticated account to update. The fees are high, and there are a lot of fees. I have a feeling there are things being hidden from me.

1 month ago

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Reply from Freedom Debt Relief

Hello Steve, 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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Matt Rivera Central Islip, NY

Not truthful and lack of communication with in the office

2 months ago

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Reply from Freedom Debt Relief

Matt, we're sorry to hear about your experience in our program. We strive for Customer Service excellence and we never want our clients to be unhappy. A member of our team will be reaching out to you shortly to discuss your concerns. Thank you for being a valued client of Freedom Debt Relief!

Jan. 22nd, 2021

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Ambar Houston, TX

They never communicated with my bank and they sued me and took all my money out of my bank

3 months ago

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Reply from Freedom Debt Relief

Ambar, 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.

Jan. 5th, 2021

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Anna. Ryan

It is taking a lot longer than I was told it would take to get to being debt free.

3 months ago

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Reply from Freedom Debt Relief

Anna, 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.

Jan. 5th, 2021

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Rita Hamilton

I would appreciate more updates on our account

3 months ago

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Reply from Freedom Debt Relief

Rita, thank you for bringing this to our attention. We would like to get more detail. Please allow us the 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.

Dec. 23rd, 2020

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Astrid Ruiz

I don't like that I can't not remove a account at any time

3 months ago

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Reply from Freedom Debt Relief

Astrid, 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 later today. We truly appreciate your review.

Dec. 17th, 2020

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Victor Rodroguez

They take to long to negotiate with banks. Have called since it's been 3 years and they haven't called The vank

3 months ago

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Reply from Freedom Debt Relief

Victor, 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.

Dec. 17th, 2020

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Matt Rivera

The lack of knowledge when it's comes to settlements and what's being told

3 months ago

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Reply from Freedom Debt Relief

Matt, thank you for bringing this to our attention. We would love to discuss any details about your settlement. One of our experienced team members will be reaching out to you shortly. We truly appreciate your review.

Dec. 17th, 2020

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Connie Montana South Bend, IN

Just had my first debt agreement, but was wondering why the two smallest debts didn't get resolved first. Those would have made me feel more relief as they are the ones that call me daily. Will be trying hard to increase my deposits so my debts get paid faster.

3 months ago

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Reply from Freedom Debt Relief

Connie Montana, 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.

Dec. 17th, 2020

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Sarah Maisano Staten Island, NY

The people you speak with are very friendly and helpful, BUT you never get to speak to anyone with a lot of knowledge of your account and you get different answers with everyone you speak with which is very annoying as you may assume that something is sorted but it actually is not. Also, they charge A LOT for helping you, sometimes if you don't get a good settlement you are not really saving anything.

4 months ago

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Reply from Freedom Debt Relief

Sarah, 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.

Dec. 2nd, 2020

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Cav Napoleonville, LA

Very inconsistent and the dashboard provided to clients is useless. It’s not kept up to show progress. The first settlement that was accomplished was void and now I owe more on the second settlement then I did on the first. Grad date is a moving target.

4 months ago

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Reply from Freedom Debt Relief

Cav, thank you for bringing this to our attention. if you have not already, let have you call our Customer Service line to confirm if the progress on our end is matching on the dashboard. Please be aware that until each account is negotiated and the confirmed resolution date is resolved the graduation date will be an estimate. That varies because our clients can make an additional deposit which could potentially speed up the timeline and that's just one variable that affects the graduation date. If you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

Nov. 30th, 2020

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Don Meadows

My experience with Freedom Debt Relief is debt repair. We are still unsure as to the quality of their service. They often want a review too soon after any change is made. This causes me to pause.

4 months ago

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Reply from Freedom Debt Relief

Don, we appreciate you taking the time to leave us a review! Rest assured our negotiations team works hard to settle your debts and we cannot wait until you're debt-free! If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Nov. 24th, 2020

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George Crawford

Dates of graduation change, investigate and ask a lot of questions

4 months ago

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Reply from Freedom Debt Relief

We appreciate you sharing with us today, George. Generally, the graduation date will vary until all accounts are fully resolved. At that point, it can be determined when you would graduate. However, if you made an additional deposit that could potentially accelerate your graduation date. If you have questions about this please call 800-655-6303. Thank you for choosing Freedom Debt Relief.

Nov. 18th, 2020

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William Quirein West Palm Beach, FL

A fairly good company to work with. Aside from letting the program run on auto-pilot I would recommend staying on top of them. They did make a few mistakes which we had to correct.

5 months ago

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Reply from Freedom Debt Relief

William, thank you for the kind review. We apologize if mistakes are made. You can rest assured that we will do our best to build better communication between us and our clients. If you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

Nov. 10th, 2020

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Karen Kashmar Palm Desert, CA

On two of my accounts it has taken a lawsuit by creditor before Freedom negotiated. And yet I have to pay them a fee. 😒

5 months ago

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Reply from Freedom Debt Relief

Karen, thank you for bringing this to our attention. We do not wish to cause further frustration. 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. 3rd, 2020

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Carl Butler Omaha, NE

They get results but receiving customer service or any real information is hit or miss. Monthly update emails are , by their own admission, misleading.

5 months ago

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Reply from Freedom Debt Relief

Carl, 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. 3rd, 2020

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jake williams New York, NY

Average, was great in beginning, but I was offered a loan about a year in from a sub company and they were very rude. I tried reaching back out and contacting freedom debt relief but my complaint and attempt fell on deaf ears. I would of given a higher mark if they actually responded to me.

5 months ago

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Reply from Freedom Debt Relief

Jake 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. 3rd, 2020

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Lisa Balsan ,

I have mixed feelings. In the beginning I thought it was a really good program, but I'm not as sure now. I don't like that it takes so long to negotiate which is jacking up the balances, so I really don't see where the savings is. I also don't like the search for new debt and there should be an option to turn that off.

5 months ago

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Reply from Freedom Debt Relief

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.

Oct. 27th, 2020

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Gwendolyn Campbell

It’s taking too long to pay off my debt.

5 months ago

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Reply from Freedom Debt Relief

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.

Oct. 27th, 2020

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Anonymous

If you miss a payment because you have been laid off or something else, they can throw away the agreement and you have to start all over even if you have paid most of what was agreed upon beforehand. I have lost several thousand dollars because I got laid off during the pandemic and I missed a payment by like 2 days. It is now going to take two years longer than originally stated to get out of the program, it is not a good feeling. When I called originally they were incredible kind and knowledgeable and I made the best decision I could at the time but I no wish had done a little more research.

5 months ago

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Reply from Freedom Debt Relief

Hello, thank you for bringing this to our attention. We understand that things will change and we want to address those changes the best we can. 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.

Oct. 23rd, 2020

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Anonymous

Needed some help with my credit and the results were not wanted but hey were courteous and prompt and professional.

6 months ago

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Reply from Freedom Debt Relief

Thank you for sharing your feedback with us. We can't wait to see you become debt-free. Please lean on us in the event you need anything. We can be reached at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Sep. 20th, 2020

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Prateep Ruangchotvit Temecula, CA

It seems you pay attention to negotiate only high enrolled amount,because you can make more settlement fee, and your fee should be divided by 5 instead of 2, so you have more funds to pay creditors.

6 months ago

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Reply from Freedom Debt Relief

Thank you for expressing your concerns with us, Prateep. Please be mindful higher account balances can become more aggressive when attempting to collect the debt, which is why it is important to get them into structured payments. Also, the structure of our settlement fees is to help you, in the long run, to have more funding for your remaining accounts to be negotiated. If you ever have questions or concerns, please lean on our team of professionals. They can be reached at (800) 655-6303 or at [email protected] Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 22nd, 2020

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Katherine Swart Miami, FL

You have all the money needed tp pay off my debt. Do it so my credit rating doesn’t tank

7 months ago

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Reply from Freedom Debt Relief

Hello, Katherine! Thank you for taking the time to leave us a review. Our negotiations team works hard to settle your debts. If you need assistance on your account, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief.

Sep. 12th, 2020

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Gary Royal Oak, MI

Very Friendly staff and easy to talk to, does relieve the stress of creditors calling. My only issue so far, they settled the 1st debt real quickly (great!!!) now the downside. With the settlement and fees that takes up the money agreed on at beginning to pay. Thus leaving no money to negotiate any other debt. So along comes a lawsuit for another enrolled debt. Legal from FDR basically said pay it in full, which adds more money to the original agreed price. So instead of $340 a month, which was told will not go up but of course being sued now have to pay an additional $54 a month. Still have 2 pending accounts, hoping that they will not take me to court as well.

7 months ago

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Reply from Freedom Debt Relief

Thank you for sharing your feedback, Gary. We understand how frustrating it can be to deal with legal accounts, and we are sorry to hear that you had to go threw this. Unfortunately, Freedom has no way of knowing when or if a creditor will decide to sue. However, we do our best to provide our clients with as many resources as possible to get you the best solution. We are confident in your ability to finish your program strong, and we will be here every step of the way. If at any time you have any questions or concerns, please don't hesitate to call Client Services at (800) 655-6303. Thank you for being the best part of Freedom.

Aug. 22nd, 2020

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Kim Palmer Roy, UT

Am disappointed that the original date that all accounts would be settled is going to be more than two years longer than discussed. They also do not address questions timely, but send a canned response. We sent statements that they were unable to confirm receipt. The salesman stated he would be available anytime but rather we are pawned off to customer service explaining any issues over and over. After the first year on the program they tried to get us to go with a consolidation loan which would have been counter productive. My husbands debts seem to be the least important and they are just now starting to work toward settlement.

7 months ago

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Reply from Freedom Debt Relief

Hello there Kim. We are sorry to hear that there may have been some confusion regarding the duration of your program. We do our best to be as clear about the program as possible, and we offer resources to help our clients see exactly where they are every step of the way. If you are ever concerned about your account please call Client Services at (800) 655-6303. Thank you for choosing Freedom Debt Relief to be your debt settlement company.

Aug. 21st, 2020

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Jackie Taylor Finger, TN

Not pleased overall with company, Basically the main source of their work is based on the amount of money in the account payed by client.

7 months ago

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Reply from Freedom Debt Relief

We're sorry to hear about your dissatisfaction with the service provided, Jackie. The purpose of our program is to reduce the amount of debt that is owed to creditors. Our program is a financial hardship program and does not provide a loan option. Therefore, the progress of the program is dependent upon the funds available in the dedicated account. If you have any concerns regarding your account, please contact Client Services for immediate assistance. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Aug. 19th, 2020

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Anna Baker Sumerduck, VA

My debts are being slowly resolved. I'm not happy at the amount of the fees. Also now for the 4th time I am being told I have an active Capital One credit card I'm paying on. I have told them this is wrong 3 times. 3 times I was told it was taken care of and here we are again..

8 months ago

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Reply from Freedom Debt Relief

Anna, thank you for bringing it to our attention. We hear you loud and clear. 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. Thank you for choosing

Aug. 4th, 2020

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Fred Mesa, AZ

They have done an acceptable job of negotiating the balances, however they failed to acknowledge that the Discover account would not be negotiated due to Discover's own rules. I believe FDR knew this which allowed us to be sued for no good reason. The problem is their communication! They are very secretive and try and handle communication with the front desk "lackies", who have no authority. Thus this program drug on longer than necessary. Since they have been 'called on' this practice, they now have an immediate response to me. Too little too late. I would not recommend them without their communication being more customer friendly.

8 months ago

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Reply from Freedom Debt Relief

Fred, we appreciate your honest feedback! Our team takes pride in providing world-class customer service to our clients and we're sorry to hear we lacked this in your experience. Please give us a call at 800-655-6303 to discuss any concerns. Thank you for being a valued client of Freedom Debt Relief!

Jul. 30th, 2020

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Janice Gross Silver Spring, MD

Freedom debt relief does a good job negotiating settlement for credit card debts. They take all the work away from you and it is a tremendous relief not having creditors hound you. However what they don’t really tell you is that they charge a lot of fees. They charge substantial “settlement fees” which are not included in their brag ads. For instance A debt of $90 may sit for a year or two by which Time it’s now $100 owed () then they negotiate a settlement for $50 And say they reduced the debt by 50% but they don’t mention that they also charge $20 worth of settlement fees which makes your ACTUAL savings only 30%. Then the settlement might call for 24 payments spaced over two years and each time they charge a fee for the payment to be “processed” These fees may range from $3 to $10 for EACH payment-even if it’s an ACH transfer. So if you have 5 debts being paid then you pay this fee for each debt.

8 months ago

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Reply from Freedom Debt Relief

Thank you, Janice, for taking the time to leave us a review! Keep in mind that our settlement fees are bigger savings than having to pay your creditors the full 100% of the debt owed + interest % + any additional fees they charge. Our settlements are secure and offer you a reduction in your debt that will lead you to become financially free! If you have any questions, please give us a call at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jul. 30th, 2020

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Bill Willetts Reno, NV

My only complaint so far is that you now claim California community credit account is not in my program when I know it was there at the start and I have sent pictures of every communication with them and now this

8 months ago

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Reply from Freedom Debt Relief

Bill 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. Thank you for choosing Freedom Debt Relief.

Jul. 22nd, 2020

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Lillian ricks

Poor information on what going on with debt

9 months ago

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Reply from Freedom Debt Relief

We are very sorry to hear about your experience, Lillian. It's our priority to make sure you are aware of any updates to your program every step of the way. We would like a chance to discuss this matter with you and address any other concerns you may have during this time. A member of our team will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Jul. 7th, 2020

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J Kathleen Derr Mount Joy, PA

I'm having trouble logging on even when I've changed my password. Also, I would like to know when my "graduation" date is.

9 months ago

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Reply from Freedom Debt Relief

Thank you for giving us your honest feedback Kathleen! We can understand how frustrating technology can be, especially when it is out of our control. We would love the chance to assist you in regaining access to your client dashboard. Please reach out to our skilled agents at 1(800)-655-6303 to get help when logging on to your online portal and receiving any updates concerning your graduation path. Thank you for choosing Freedom Debt Relief!

Jul. 6th, 2020

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Anonymous Danville, PA

I deposited a lot of money into my account, like $50,000, and they promised me wit would be done within 4 to 6 weeks and I'm still waiting for them to finish. I've been with them for a few months.

9 months ago

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Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review! A lot of times, our ability to obtain settlements is dependent on growing sufficient funds to settle the debt. However, we still need to be sure the creditor is ready to settle on behalf of the account. You can track your progress online at the Client Dashboard or by reaching out to one of our agents at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief.

Jul. 21st, 2020

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Cubniner New Port Richey, FL

The salesman lied to me. When I asked a manager to listen to the recording in which the salesman lied, I was told that he would listen would and he will get back to me. That was another lie.

9 months ago

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Reply from Freedom Debt Relief

We are very disappointed to hear you feel you've been misled in any way. This is certainly not the experience we'd prefer for you to have. It seems there may be some unresolved concerns on your end and we would appreciate an opportunity to speak with you further concerning them. One of our account specialists will be reaching out to you shortly. Thank you for voicing your concerns with us today and for choosing Freedom Debt Relief.

Jul. 1st, 2020

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Charles Hayes Wilson, NC

They made a decision without my consent with a creditor when another was already on record by me requesting a payment could have been made.

9 months ago

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Reply from Freedom Debt Relief

Charles, 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. 7th, 2020

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R. Hiralall South Richmond Hill, NY

Everyone on a different page and I didn't expect fdr to take settlement fees upfront before paying creditor

9 months ago

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Reply from Freedom Debt Relief

Hi R. Hiralall, 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. Thank you for choosing Freedom Debt Relief.

Jul. 6th, 2020

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Eric Haughton, LA

I've had issues with communications. They don't call you back when they say they're going to call you back. I'm having issues with some of the representatives doing one thing and refer on another and nobody was working on the same page. It's a little irritating to deal with them. They've solved a couple of my debts already. But it seems like they're kind of lax about getting to my creditors and talking to them on my behalf so I had several issues with that.

9 months ago

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Reply from Freedom Debt Relief

Eric, 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. Thank you for choosing Freedom Debt Relief.

Jul. 6th, 2020

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Carole Clermont, FL

It's taking them an awfully long time to get around to making settlement agreements with some of my accounts. They usually get back to me when I call.

10 months ago

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Reply from Freedom Debt Relief

Carole, thank you for your honest feedback. Rest assured our team constantly works hard on reducing your debts and we're always here for you. Please give us a call at 800-655-6303 with any questions or concerns you have. Thank you for being a valued client of Freedom Debt Relief!

Jun. 3rd, 2020

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Debbie Traylor Baton Rouge, LA

Make it easy for to to erase dept. Always there with live person when you call. Keep you up to date with progress. Call them today and sign up.

10 months ago

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Reply from Freedom Debt Relief

Hello, Debbie! We appreciate you taking the time to leave us a review. Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. If you have any questions, please give us a call at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 2nd, 2020

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thunder Lincoln, NE

Not to impressed at this point in time, seems like I've been paying a good enough time where I would expect to see something happening but I haven't.

11 months ago

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Reply from Freedom Debt Relief

Hi Thunder! A lot of times, our ability to obtain settlements is dependent on growing sufficient funds to settle the debt. As long as we continue accumulating funds, we should be able to reach your goals in realistic timeframes! For updates on your account, please reach out to us at 1(800)-655-6303. We're happy to assist! Thank you for choosing Freedom Debt Relief.

May. 6th, 2020

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John Defoor Carl Junction, MO

When started with them was promised to be debt free in 4 yrs I'm in 4 yr an still not close to being debt free !! They take to much for their services not leaving much for the debt they move way to slow !! In 3 years only one has been paid off

11 months ago

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Reply from Freedom Debt Relief

Hi John! Thank you for sharing your thoughts with us. Please keep in mind our objective is to settle your accounts in a timely manner so you can become debt-free as soon as possible. If you would like to discuss your account more in-depth please reach out to our team of professionals at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief to meet your financial needs!

May. 6th, 2020

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Wortham R. Baskerville Simi Valley, CA

the experience has been good until now. We are in a pandemic right now and I'm out of a job and FDR is having me speak with people that can not help me.

11 months ago

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Reply from Freedom Debt Relief

Hi Wortham! Thank you for bringing this to our attention. We understand Covid-19 is putting an extra burden on people right now. That's why we have created a process for clients who may be worried about how they can continue to afford the program during this time, please contact Client Services at (800) 655-6303 and we can help. Thank you for choosing Freedom Debt Relief to meet your financial needs!

Apr. 30th, 2020

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Barbara Thompson Houston, TX

Debt consolidation credit cards. It was good up until today 4/20/2020. Very unpleasant and untrained employee.

11 months ago

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Reply from Freedom Debt Relief

Barbara, we are so sorry to hear that you experienced this. We truly try our hardest to communicate well with our clients, and provide a great client experience. If there is anything you are concerned with please call Client Services at (800) 655-6303.

May. 1st, 2020

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Still broke

Not what I expected. I stop payments which adds interest & late fees to these bills that go sky high. Negotiating bring the amount down maybe a $100 to $1000 less then the original amount.

11 months ago

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Reply from Freedom Debt Relief

We are so sorry to hear that you are not pleased with our services. We are always working to improve our program, so please know that your concerns are heard. If you ever have questions about your account with us please call Client Services at (800) 655-6303. Thank you for being the best part of Freedom.

Apr. 22nd, 2020

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Chris Dublin, OH

3 stars just for negotiating lowered rates. Customer service and NLLG are greatly lacking... seems as if they have somewhat of a plan, but don't let you in on it.

11 months ago

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Reply from Freedom Debt Relief

We appreciate your honest feedback, Chris. Thank you for taking out the time to share your experiences with us. We're very sorry to hear several of the enrolled creditors chose litigation to collect on the outstanding balance. However, we are glad to hear you elected to opt in to the legal service protection. Thank you for complimenting our negotiation efforts and for choosing Freedom Debt Relief!

Sep. 5th, 2019

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Tammy

A lot of agents give different info it's not consistent

11 months ago

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Reply from Freedom Debt Relief

Hi Tammy! Thank you for bringing this to our attention. We are constantly working on ways to improve our communication with our clients, and we will consider this feedback. Please also know that there is constant change occurring on your account due to negotiations with your creditors. If you would like to discuss this further, please reach out to us at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Apr. 21st, 2020

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