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Freedom Debt Relief

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14,374 User Reviews

9.9

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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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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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14,374 Reviews

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Mary Harmon Boonville, MO

Up until now they were great, very pleased. Our last account has drug on forever. I feel now the longer it takes the more money they will get out of us. We have to wait to pay off last account with money already available to collect their fees. That is costing us that much more. We were to of graduated as of 2/15/21 and we are still paying into it. We want it over.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding your account, Ms. Harmon. Rest assured, FDR does not benefit in any way from keeping clients enrolled longer than necessary. We share the common goal of graduating you from the program as soon as financially possible. An opportunity to review the matter further would be appreciated. An account specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Jun. 21st, 2021

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Carole Pleasant Unity, PA

When I signed up, I was told it would be 24-48 months and I would be thru the program. It will be f.our years in September and I'm not scheduled to be debt free until April. 2023. That has me upset.

4 weeks ago

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Reply from Freedom Debt Relief

Hello Carole, thank you for bringing this to our attention. We would like to reach out and address this matter and get it resolved. Thank you for your feedback and we look forward to speaking with you soon.

Jun. 30th, 2021

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Kristin Wyn Cabot, AR

I just don’t like having to pay a lot of the fees using the company. It makes your debt not really seem that small. And I think if debts are negotiated then the balance should reflect that. And it never does so it seems like you’re always behind on your debt balance.

1 week ago

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Reply from Freedom Debt Relief

Kristin, 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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Andrea Bailey Palm Desert, CA

You said it would it would be two years to pay that off I have been making my payments diligently and also raised my amount for payment and now it showing another two years I don't appreciate us a lie

1 month ago

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Reply from Freedom Debt Relief

Andrea, we appreciate you taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process and we look forward to your brighter financial future. Please call us at 800-655-6303 if you have any questions. Thank you for being a valued client of Freedom Debt Relief!

Jun. 17th, 2021

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Sharrerm Baltimore, MD

The company did at the beginning work with me well to come up with a monthly payment that I could handle and encourage me with enrolling all my debts. When I fell on the hard times they were able to help me adjust the amount of my monthly payment for that month a few times. But then things change they said all the sudden I had a new settlement and my monthly amount went up over $100 making it more than half of my monthly income. Then it seems like all the sudden my payments to the creditors were less than 25% of my monthly payment to the company so why am I paying you guys to do a job that I can actually do on my ownAnd maybe actually have enough money left over to feed myself for the month

1 month ago

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Reply from Freedom Debt Relief

Hello, Sharrerm! Our team takes pride in making sure our clients are supported throughout the process and we'll always be right by your side. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jun. 1st, 2021

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joe larson Cedar Rapids, IA

Im enrolled withFDR program. I like that i put all my debt together and saved $200/month on my payments. What i dont like is I've had 4 knocks at my door with Summons . They you upload your documents and they ask for more money to resolve. If i had the money i wouldn't be in the program. And i feel you have to do most everything not alot of help and or explaining.

1 month ago

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Reply from Freedom Debt Relief

We're disappointed to hear you feel this way, Mr. Larson. Making sure our clients feel well-supported remains our number one focus. Our process requires a partnership between ourselves and our clients. It's upsetting that you feel not enough guidance has been provided when dealing with aggressive creditors. 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.

Jun. 21st, 2021

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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 months 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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Stephanie Calby Owego, NY

I have had a dedicated account with this company for months now. Neither account has been settled yet and now I'm being sued.

1 week ago

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Reply from Freedom Debt Relief

Hello Stephanie, 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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Lena Fulton Port Charlotte, FL

Poor customer service, no return emails most the time.

1 week ago

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Reply from Freedom Debt Relief

Lena, 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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Marilyn Jernoske Wilmington, DE

Settlement fees are outrageous . All fees are rediculous.

1 week ago

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Reply from Freedom Debt Relief

Marilyn, 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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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.

3 months 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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Jesse

For the first 8 months or so my experience was extremely good with Freedom Debt Relief. Once I started dealing with some of my bigger debts my experience hasn't been as good. Particularly with one customer care representative in specific. The way my debt was getting resolved at first made me excited, but soon it turned to disappointment. I was so depleted on funds paying settlements and fees that I was almost not able to reach an agreement with one of my debts. This caused me to have to raise my monthly deposit by a lot. It's going to make the rest of my obligations hard to meet outside if the program.

1 year ago

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Reply from Freedom Debt Relief

Thank you for expressing your concerns with us, Jesse. We are constantly working to better our client's experience in our program. Please understand our settlement fees are a bigger savings than having to pay your creditors the full balance of the debt owed, plus the interest, plus any additional fees they charge. If you would like to discuss this matter more in-depth, please reach out to us at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Mar. 26th, 2020

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Sensabaugh

Rate little high, find myself doing without my medication in order to pay myfee each month, but doing an emergency was able to lower a payment two or three different months, does make u feel good that finally getting a few of bills paid of, but then in the end will take you 3 to 4 yrs. to get them all finished and have to worry about taxes for payments of $600.00 or more not unpaid may have to file taxes on, and then theres the fees, even though i know thats how they get paid for contacting the companies to work out a deal, I still wish i would of filled bankruptcy instead cause u wouldn't have to worry about taxes, fee that is too high, only good thing is made the bills, and u are trying to make a difference with your credetors even though it takes too long..

1 year ago

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Reply from Freedom Debt Relief

Hi Sensabaugh! Thank you for your feedback! We are happy we can be of assistance to you! If you have any questions or concerns, please don't hesitate to reach out to our Customer Service department at 1(800)655-6303. They are available seven days a week! Thank you for choosing Freedom Debt Relief!

Mar. 18th, 2020

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Anonymous

I cannot rate this until they actually give me back my overage and provide the graduation package they've promised me for nearly 2 months now. I've had to call them four times since I completed the program and they have not only misdirected me on the first three calls, but did not follow through in getting the graduation packet to me. The fourth call I am hoping is successful and I should finallyseethe overage back in my back account to the tune of $700+. Very frustrating having to follow up so many times to keep demanding what they should have already taken care of. Please note that Gail a customer service agent gets 5 stars from me. The previous three agents get 1 star from me.

2 years ago

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Reply from Freedom Debt Relief

We're very sorry to hear you've had to contact us repeatedly to resolve your concerns. We are glad to hear that your concern has since been properly addressed. However, we offer our sincerest apologies for any frustration caused on our end. Congratulations on completing your Graduation Path! We would like an opportunity to discuss the concerns mentioned in greater detail. A team specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief to meet your financial goals.

Jun. 4th, 2019

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Laura Lonati

My experience has been pretty good. What I didn't know in the beginning was how long it would take to start a resolution. I also learned that the same settlements were offered to me directly from the creditor so I wouldn't not of had to pay all these fees which are factored into the settlements between Freedom and the creditor. Also, there was one account that they marked as settled but I continued to get calls from the collectors about daily. When I called Freedom about this issue they didn't even know that the account was still outstanding because they marked it as settled. I am still trying to figure out where my 2 payments to this creditor went.

2 years ago

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Reply from Freedom Debt Relief

We apologize, Ms. Lonati, if the proper expectations were not set for you. Making sure we educate our clients regarding what to expect when enrolled with us is top priority. Also, the creditor may have offered settlement options to you. However, please know that our negotiators resolve nearly 44,000 creditor accounts each month. Negotiating with hundreds of creditors over the past 16 years gives us a huge leverage in being able to obtain the best settlements possible for all of our clients. You made mention of an account that we show as resolved, but the creditor is still attempting to collect on the remaining balance. We are very sorry to hear you are dealing with this situation. One of our team members will be reaching out to you shortly using the contact information we have on file. We certainly want to make sure that us and the creditor are on the same page when it comes to the balance. Thank you for honest feedback.

Dec. 21st, 2018

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ron kimball

They are not upfront with you in regards to who will negotiate with them. They know that Discovercard and Walmart will not bend . Yet they tell you that they can. They also convince you to add their Lawyer group in case you have a court problem, I did, and after court representation I was right back at the beginning with Discover card, no help at all plus had to pay extra filing cast to go to court. card. They will tell you that can not negotiate with your creditors, but you can and you can withdraw them from your account. I am close to finishing the program, got a little money and asked if I could pay off the smaller of the two accounts left. Was told no, but i could pay the extra money into my standing account ( not sure if this is name)and the money would remain there until the near the end of my term and then only would it be used to pay off the remaining account. This goes for for any extra money you pay over your monthly payment Last but not least, since now I am close to the end I am being solicited to take out a loan to pay off the remainder by a sister company!! Why now. I just don't think they are upfront. that is all, ask the questions and take notes, or record. Ron

2 years ago

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Reply from Freedom Debt Relief

We're sorry if you feel you weren't informed enough about our program. Our client services team is available to address the questions and/or concerns that come up for our clients while progressing through our program. If you have not already done so, please contact one of our skillful advocates at (800)655-6303 to have your concerns addressed. We hope to hear from you soon! Thank you for choosing Freedom Debt Relief.

Oct. 24th, 2018

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Diane Benigni

Satisfied for the most part. There is an account that has been paid off for several months, but still shows in process. It was paid off in three payments. I have contacted FDR 4-5 times to inquire why this account is not showing paid off. Each time I am told it is being escalated, but nothing changes. I'm not given any further information, but the account status does not change. Very frustrating not to see progress. The only thing that has changed is that it shows 2/2 payments made. Don't know why this was changed because I am certain THREE payments were made. I've stopped inquiring because I am given no information. Even have sensed an attitude when I try to get answers. It is not easy going thru this process and feel I am just a number with FDR rather than a person.

2 years ago

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Reply from Freedom Debt Relief

Thank you, Diane, for providing us honest feedback about your experience. We work constantly to make sure we're providing full details of clients account along with resolving any concerns a client may have. We really do apologize you feel like we're not hearing you out, you're not just a number to us we do value your time and care about you. We want to get to the bottom of this and turn this experience into a better experience for you. We will be reaching out to you privately.

Oct. 1st, 2018

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Jamie Oliver Elizabethton, TN

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

3 years ago

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Reply from Freedom Debt Relief

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

Dec. 9th, 2018

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Jacqueline Brown McCalla, AL'

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

3 years ago

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Reply from Freedom Debt Relief

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

Dec. 13th, 2018

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Michael Atascadero, CA

It has been a long process. Sometimes customer service has been great sometimes and fair other times.

2 months ago

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Reply from Freedom Debt Relief

We appreciate you sharing with us today, Michael. We are thrilled to serve you. 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.

May. 25th, 2021

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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.

8 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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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.

5 months 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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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..

11 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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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.

1 year 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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Carolyn Ray Malloy

There is NO assistance on how to contact 2 settled accounts which have not sent out 1099-C. My requests receive the same "canned response" with the add on of contact IRS. All we need to complete our 2019 taxes is a way to contact these accounts. Surely they have a phone # which we are not privy to. Last year received one on 4/13 letter and form dated 01/31/2019 and envelope the type which did not get postmarked. HELP below reflects this issue with a boost for great service on all other matters

1 year ago

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Reply from Freedom Debt Relief

We are so sorry that you feel this way, Carolyn. We are never intending to make things harder for our clients. If you are still having a concern about this, please contact Client Services at (800) 655-6303 so we can get you the help you need. Thank you for choosing Freedom Debt Relief!

Mar. 17th, 2020

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Rebecca

It has been my experience that you should try to pay more than what they budget you out in the beginning. I have had two (so far) debtors to sue me and want to take me to court. However with being said the lawyers they ask you to get in the beginning are hands on it! You just have to go through the humiliation of a constable showing up at your work. Thankfully the constable was nice and told me if it's too good to be true then it is.

1 year ago

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Reply from Freedom Debt Relief

Rebecca, 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. 13th, 2020

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Vikki Fletcher

I was doing OK until I was offered a consolidation loan that was denied. I do not like "no", especially when the loan was not my idea. Anyway, it should be understood that people use debt relief companies because of being overwhelmed with bills for a period of time and want to get adjusted. Saying "no" for the same reason (excess bills in relation to income) does not make sense to me. I contemplate dropping FDR and negotiating the bills myself.

2 years ago

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Reply from Freedom Debt Relief

We appreciate your honest review, Vikki. Our sister company, Consolidation Plus, is a great option for some, however, it may not be the best choice for everybody and we're very sorry to hear that you were denied for their loan offer. The good news is that we're still on your side to help you resolve your debt. If you have any questions for us, please feel free to reach out to our client services team by calling (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Mar. 14th, 2019

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Curt Person

Sometimes I talk to excellent people from customer support and other times I get people that just give me the run around. Depending on which account I was working on, some kept me in touch really good and others danced around and it was an email or I was having to call them. The attorney they use is probably one of the worst attorneys I've ever dealt with.

2 years ago

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Reply from Freedom Debt Relief

Hello Curt, We're so sorry to hear that you have had a negative experience with our company! Our clients are our top priority and ensuring we're fulfilling your request. We work hard to build a relationship with our clients so they can be as comfortable as possible while in the program. We hope to make this into a better experience for you. Please let us know if there's anything we can do for you. Our client service department is available 7 days of the week and can be reached at (800) 655-6303 if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Feb. 13th, 2019

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Jane New Salem, PA

The staff is very nice. They don't hesitate to answer any of my calls when I call or answer my questions. They email me all the time. They didn't tell me until after the fact that if you don't have enough funds then the companies that you're filing against take you to a magistrate and then you receive letter after letter because no one contacts you and tells you 'if you get a letter you go to contact us.' That's the only part that I didn't like.

2 years ago

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Reply from Freedom Debt Relief

We appreciate you complimenting on our level of customer service, Jane. It's rewarding to know all of your questions have been answered to your satisfaction. We're also glad to hear how appreciative you are regarding our communication efforts. We are disappointed, however, to hear of your concern regarding legal accounts. If you receive any legal communications from any of your enrolled creditors, we ask that you immediately reach out to our Advanced Collections Team at (800)993-8950 for further assistance. You can also forward these communications to us via email at . We hope this clears up your concern regarding who to contact in these situations. Thank you for being the best part of Freedom Debt Relief.

Jan. 11th, 2019

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Alene Wilson

They are hoping but they take too much commission on each credit card they close, I think 23.% is way too much. better if they take a monthly small amount until all accounts are paid then take balance of their commission. It has been almost 11 months on our account and only 3 have been paid off with over |$6000 or more that has been our account. Wont have any money in account to pay off the biggest accounts until June so not really please with this.

2 years ago

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Reply from Freedom Debt Relief

We appreciate your honest review, Alene. We're very sorry that you're dissatisfied with the way we process our fees, however, please keep in mind that because we abide by the Federal Trade Commission guidelines, Freedom Debt Relief will not accept a fee until we actually settle a debt. Additionally, if you compare our fees to the 100% debt + interest % + late fees + penalty fees, we offer a proven solution at an affordable monthly cost that can help you pay down your entire debt - principle, fees, interest and all. Also, you can accelerate your program by making additional deposits, please contact our client services team to learn more at (800) 655-6303 or email .

Dec. 21st, 2018

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Glenda

Everytime I've called in to ask a question, they've answered and explained everything in detail. They let us know what's going on with creditors and the companies they work with. I really like not having creditors call me, because Freedom handles all that. I'm very pleased with the service they provide, and everyone at the company is very nice and listen to your questions. If they don't know the answer to questions, they find someone who can help me. I have no complaints, they are a very trustworthy company.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your great review, Glenda! We're glad to hear that you love the program and we look forward to your continued success. 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!

Sep. 5th, 2018

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Will K San Fernando, CA

They have created a structured plan where I only have to make payments to them instead of multiple places. I was a little disppointed in how long I had to let my accounts be in collections begore a settlement was reached. The people I owed money to were offering me much lower deals almost immediately compared to the amount of time it took to reach a settlement with FDR. Knowing what I know now I would do things differently.

3 years ago

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Reply from Freedom Debt Relief

We're sorry to hear about the concerns you are having with the program. Please reach out to our client services department at (800) 655-6303 or so we my answer any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

May. 14th, 2018

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Anonymous

They looked like my best option at the time. Their customer service is somewhere in between. I've had some good experiences and some bad experiences with them. They connected with me mostly through text messages. Some parts of the service have been satisfactory but some others haven't been that way. It all came down to the fees that I had to pay in the end. Still, it served its purpose so I feel good about going with them.

3 years ago

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Reply from Freedom Debt Relief

Thank you for your honest feedback. We look forward to providing you with an excellent experience. Please reach out to our client services department at (800) 655-6303 or should you have any questions or need assistance with your client dashboard. Thank you for choosing Freedom Debt Relief!

May. 7th, 2018

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Joanne Rosenbrook Munith, MI

At the time they looked like the best option for me. I haven't run into a situation where I needed support from them yet. So far I just signed up with them and make my payments. They take care of the negotiations and I can check on the progress online. I'm glad I signed up, I needed to do something about my situation. I just wished I had thought a bit further about my actions because their fees are quite high.

3 years ago

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Reply from Freedom Debt Relief

Thank you for your honest feedback. We look forward to providing you with an excellent experience. Please reach out to our client services department at (800) 655-6303 or should you have any questions or need assistance with your client dashboard. Thank you for choosing Freedom Debt Relief!

May. 7th, 2018

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Anonymous Philadelphia, PA

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

3 years ago

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Reply from Freedom Debt Relief

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

Dec. 13th, 2018

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kris grandy Durand, WI

Sad to say there is not much support from company never hear a word from them. Kinda just leave you to wonder what will happen next.

1 month ago

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Reply from Freedom Debt Relief

Kris, we appreciate your honest feedback. We would be more than happy to provide you with account updates. Our Client Services team is here to assist you 7 days a week if you have any questions. Please call us at 800-655-6303 for assistance. Thank you for being a valued client of Freedom Debt Relief!

Jun. 23rd, 2021

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Ronald Beatty White Plains, NY

So far so good except.... there's a few accounts I have no clue what they are and I keep getting messages to update the account numbers. Nothing I get statement wise matches up.

3 months ago

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Reply from Freedom Debt Relief

Ronald. thank you for reaching out. 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.

Apr. 19th, 2021

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Deborah J Watson Fort Mill, SC

What i dislike about FDR is the lack of communication. Since becoming a customer, I have not had a conversation with anyone. It seems to take a long time to negotiate a settlement. It feels like I have been forgotten.

3 months ago

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Reply from Freedom Debt Relief

Hello Deborah, 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.

Apr. 19th, 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.

4 months 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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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.

7 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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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

1 year 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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Quivonna Stainbrook

The process takes longer than I expected and some of my accounts got writ ten off as bad debts si I decided to remove those and close my account. But two of my enrolled accounts were completed. I also realize that in order to move faster, you have to deposit more money.

1 year ago

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Reply from Freedom Debt Relief

Quivonna, thank you for sharing your thoughts about our program. We are sorry to hear that you are not pleased with the time of our negotiations, however, please understand that we are professionals at what we do and our negotiator do their best to save you as much money as possible. If you are ever concerned about your account please feel free to call Client Services at (800) 655-6303. Thank you for choosing Freedom Debt Relief.

Mar. 19th, 2020

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David Orlando, FL

My debt was overwhelming and I needed help to resolve it. When I first started, my credit was you know was fairly descent, but nowmy credit score it completely worse. It was supposed to take 48 months to resolve my debt, but it's taking longer. They take 25% and make sure that they get paid first.

1 year ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns with us today, David. We apologize if your expectations have not been met regarding the length of your program. We would like an opportunity to thoroughly review your account information with you in an attempt to resolve the mentioned concerns. One of our experienced team specialists will be reaching out to you shortly. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jan. 30th, 2020

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Chrystal Windom

I just started the program and so far for me it has been fine. I do not have much to say about this program but I will in the near future. There are some creditors that are still in negotiations and that is my only main concern that I have for now.

1 year ago

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Reply from Freedom Debt Relief

We certainly understand, Chrystal! Our team will continue to work hard to settle the remaining of your debt and having you become officially debt-free! As we continue down the road of success, please remember you can track your program process online through your Client Dashboard at . Thank you for choosing Freedom Debt Relief!

Jan. 29th, 2020

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Karen

I wish they would have addressed my biggest dept first. Because then I might have got a reduction in that dept. But I did not and it went to court before any thing was done. And I ended up paying that dept over a period of 4 years, with no reduction.

1 year ago

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Reply from Freedom Debt Relief

Greetings, Karen! We couldn't be any happier than to see another satisfied client! Our negotiations team works diligently to reach the best settlements possible. Do not hesitate to reach out to Client Services if you ever have any questions at (800) 655-6303 or email us at . Thank you for choosing Freedom Debt Relief!

Nov. 26th, 2019

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James

I thought the process would be less stressful than it still is. I didn't think I would play as much of a role in the process. For example, I sent letters from Discover in and yet now Discover is bringing me in to court and now I have to work with the attorneys to try and resolve, I am concerned others will also bring me in to court

1 year ago

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Reply from Freedom Debt Relief

Hello, James, thank you for sharing your feedback. We are sorry to hear that Discover has taken a more aggressive approach to collect on an outstanding debt. We are glad that our NLLG legal partners are assisting with this matter. Please reach out to our client services department or visit your client dashboard at if you have any questions or comments regarding your account. Thank you for being a valued client of Freedom Debt Relief!

Nov. 7th, 2019

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Angel f. Reynoso

They led me to believe before I started the program that I would eventually get a loan with them. An that has not been the case I been strapped financially for eight nine months living paycheck to paycheck with no end in sight would I recommend them I can say right know

1 year ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to share your experiences, Angel. It is disappointing to hear expectations have not been met. We'd like an opportunity to further discuss the mentioned concerns and attempt to provide a reasonable solution. One of our knowledgeable team members will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Nov. 1st, 2019

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G.H. Knight

All I can say is I have a couple of my creditors being paid at this time. There have been no increase in my beacon score as far as Equifax, Transunion, and Experian. I was expecting by paying down my bills it would effect my credit positively. It has not.

2 years ago

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Reply from Freedom Debt Relief

We are sorry to hear the proper expectations regarding the impact to your credit score were not clearly conveyed. Our goal is to make sure our clients have a full understanding as to what to expect once enrolled in our program. At this time, we would like an opportunity to further discuss the concerns mentioned. A team specialist will be reaching out to you shortly. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

Jul. 3rd, 2019

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Mary Antonellis

My accountant and financial advisor have both told me now I am going to be hit with taxes on the money I supposedly saved by going into this program. I am very private and independent and made the decision to go this route to get down my debt. It was advertised in AARP so trusted it.

2 years ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns with us today, Ms. Antonellis. In some cases, clients may be required to pay taxes on their forgiven debt, but it is possible to avoid declaring the forgiven debt if a person meets the IRS's definition of liabilities exceeding assets at the time of settlement. We strongly encourage you to contact a tax preparer or visit the IRS's website at to learn what options are available to you. If you have any questions about your account, please reach out to our Client Services team at (800)655-6303 or via email at . Thank you for choosing Freedom Debt Relief.

Jul. 3rd, 2019

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Francesco

Customer service always answers the phone. For the most part, the system works but sometimes it doesn't. I had an account that they had litigations with so by the time I got through the settlement it was actually more than the original amount was for.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your feedback, Francesco. We're sorry to hear one of the enrolled creditors chose this option in an attempt to collect on the balance due. We have built relationships with thousands of creditors. We're confident that our negotiators will be able to obtain settlements on your behalf that truly do save you money. Please let us know if you have any other questions or concerns for us at this time by reaching out to our Client Services team at (800)655-6303 or via email at . Thank you for choosing Freedom Debt Relief.

May. 21st, 2019

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