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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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Ivallee Fowler Saint Clair, MI

Because they told me every cent I paid would go to my bills , I just found out this year there were different fees and when I called about it she laughed at me and was very rude .

1 week ago

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Reply from Freedom Debt Relief

Hello, Ivallee! Our team takes pride in providing world-class customer service to our clients and we'll always be right by your side. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Jul. 22nd, 2021

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Giovany Gonzalez Orlando, FL

Pros: Easy to setup your debt accounts and to make payments. Dont have to be on the phone all the time since most can be done from the app/website. Cons: They will give you a tracking map with an overall situation on where you are but its hard to get details on whats really going on with your accounts. They have to submit a request to whoever is workiny your case and hope you get an answer back. Other than that FDR does what your are paying for.

5 days ago

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NICHOLAS D'AMBROSIO Boynton Beach, FL

well first a five year debt was settled for the full amount--while other debts were settled for 53-54% of total debt--second I recently found out a debt that was settled you are only paying $5.00 a month and I was not aware of this and thought based on your numbers there was less then $1,000 left

1 month ago

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Reply from Freedom Debt Relief

Congratulations on the progress you've made, Mr. D'Ambrosio. We are honored to have accompanied the journey. In reviewing your account, we see you recently spoke with a member of Client Services regarding the matter. However, it sounds like you may still have concerns. 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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Elizabeth Reedy Whitesboro, TX

Due to having 3-4 more payments on a debtor to being paid off and then something happens and they have to be re-negotiated. I am not paying again to same company. I am waiting on explanation!!!

1 month ago

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Reply from Freedom Debt Relief

We're very disappointed to hear about recent experiences, Ms. Reedy. Unmet expectations are frustrating for anyone, no matter the situation. We will be sure to have an account specialist reach out to you regarding the matter. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jun. 21st, 2021

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chuszy Gardner, MA

For the most part this experience was good. A lot of what happened was positive and fell in line in what I was told from the beginning except the amount of payments was extended even though I asked three time this was going to be the total of payments and my total cost I was assured this was accurate “because we are professionals and the credit card companies listen to us so we get reasonable settlements”. “ There are some variables like if you don’t make your payments in full or on time, that would extend the time and total cost”. Well I assure I made all payment in full on time, they all automatically deducted from my bank. Well with two months left the plan changes and I need to make 8 extra payments to meet the goal or “graduate” as they call it. Be careful when you sign up the word estimate is used instead hard numbers disregard everything they told you (it is a sales pitch) and read the contract throughly . Be prepared to pay more in the end. The final is like 20% more than I expected. Total savings around $4000+ on just $30000 in debt. Could I negotiated better on my own maybe, but I really didn’t, know how to do it and get good results. So why did I say overall this was positive experience. First the customer is excellent, the sales people not so much, and the process worked as described, except cost and time estimates. And my credit score after taking hit the first two years is nearly back to 800. So that is something to be happy about.

1 month ago

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Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process and we'll always be right by your side. If you have any questions, please call us at 800-655-6303. We appreciate you choosing Freedom Debt Relief!

Jun. 19th, 2021

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Kaleb Booher Somerset, PA

I’m satisfied with the pace my debts are being resolved, but I was unaware as to how steep the fees attached to each settlement were. Seems most of the savings you saved in the settlement go right into fees. Overall good experience so far.

1 month ago

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Reply from Freedom Debt Relief

Your feedback is appreciated, Kaleb. Let's consider the size of the monthly payment as a factor. Our program payments are often much lower than the required monthly minimum from creditors, even when accounting for our fee. This allows clients to have some cash-flow relief immediately along with lower costs in the long run. We're available to address any other concerns you may have. Thank you for choosing Freedom Debt Relief.

Jun. 28th, 2021

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Alvin Peru, IN

They should always strive to be better

3 hours ago

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raylaz Bengaluru, KA

At first, I was very hesitant about Debt settlement program. Initially like everyone, I was concerned about the calls from banks and the legal stuff that I didn't want to go through. But I was patient and went through it and even assured my banks that Freedom Debt is working on my behalf. Freedom Debt helped me a lot where I could save some cash reserves every month and helped me with an affordable monthly payment that helped me to get back on my feet. Our Lord help me invest the reserves in a right way and I am in a much better state now (not boasting; just sharing my happiness thinking from where I came from, that's all). Their settlement fees are higher and there have been lot of times I have thought that I could settle with the banks directly for absolutely no charge. But they deserve the fees for their negotiations and the way they manage all these things. Its been 2 years for so far and a lot of my accounts have been settled and negotiated. For those of you like me, stay positive, be patient and trust Freedom Debt Relief. Please DO NOT BE HASTY and join their consolidation plus program where they promise that banks won't drag you to court and that they would stop calling you. You will literally end up paying double of what Freedom could settle on. For example, if Freedom can negotiate all your debt to ~50K , with consolidation plus, you would pay ~100K. And it wouldn't help your credit scores as well as they'll be marked settled and not paid off. So be patient and stay away from consolidation plus. God bless you!

3 months ago

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Reply from Freedom Debt Relief

Amazing feedback, Raylaz! Customer satisfaction is our number one pursuit. We engage and strive to assist our clients and help them achieve their goals. Keep up the great work and please reach out to us if you have any questions about your program. You can reach our Client Service Team 7 days a week by calling 800-655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief

Apr. 19th, 2021

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Alena L. Los Angeles, CA

This is my 2nd time I will be writing a review. I have just gotten a 2nd settlement. I have been watching my credit scores going back up slowly and I am very pleased to see that I am able to slowly get my credit back together. I still have a long way to go, but I am thankful to have a program to rely on rather than filing bankruptcy which is the very last thing you want to do. I look forward to being able to be approved for credit cards again in a few more months and make purchases on items for myself and be able to limit myself. I am comfortable adding a couple of other debts to the program just so I can clear everything out and work my way to the things I truly been wanting. I wouldnt be able to achieve this without Freedom's help. Thank you!

3 months ago

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Reply from Freedom Debt Relief

Thank you again, Alena, for sharing your feedback and experiences in our program. We are grateful to hear about the many ways you've benefited since enrolling with us. The greatest reward is hearing how confident you are about your financial future. Please let us know how we can continue to be of assistance on your journey to becoming debt-free. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 6th, 2021

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KK Santa Barbara, CA

I appreciate the professionalism and the information that I receive from your consultants when I’m having a really bad day!

1 week ago

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Reply from Freedom Debt Relief

KK, amazing feedback! We are thrilled to hear about your experience with Customer Service. 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.

Jul. 20th, 2021

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Gordon Steger Mesa, AZ

Overall I am satisfied with FDR. I wished they would have taken care of creditors phone calls. My bills are diminishing; just not fast enough to suit me.

4 weeks ago

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Reply from Freedom Debt Relief

Hello, Gordon! We appreciate your feedback. Rest assured our negotiations team takes pride in making sure our clients meet their goals of becoming debt-free and we'll always be here for you. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 30th, 2021

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Susann Braggs Queens, NY

I like that I can see my progress in my dashboard. I also like that customer service is awesome at trying to provide reasonable explanations to assist my needs. At this time there is nothing I don’t like about FDR.

1 month ago

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Reply from Freedom Debt Relief

Thank you, Susan, for taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we look forward to you becoming debt-free. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 19th, 2021

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Brad Grupe

They continue to make great progress in dealing with debts. They've done exactly what was promised. Could I have done some of this on my own? Possibly, but I don't really have the time or tact to do it myself. Communications have always been great as well.

2 months ago

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Reply from Freedom Debt Relief

Hello, Brad! 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'll always have your back. If you have any questions, please be sure to call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

May. 7th, 2021

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Pamela

My experience with Freedom Debt Relief has been good. My debt is being paid off. I get a monthly statement on my progress so I don’t wonder if my money is going towards my debt.

5 months ago

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Reply from Freedom Debt Relief

We are thrilled to be your financial solution to debt-relief, Ms. Pamela. Thank you for the opportunity to serve your financial needs. We appreciate you for taking the time to share your experiences with us. Please let us know how we can continue supporting your every step toward financial freedom. Thank you for choosing Freedom Debt Relief.

Feb. 5th, 2021

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Robert Russell Hixson, TN

It was great. You will be stressed in the beginning but hang in there and keep depositing extra money. They answered any and every question we had with great satisfaction. As great as they were, I hope to never need their service again.

6 months ago

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Reply from Freedom Debt Relief

Robert, we appreciate you taking the time to leave us a review! We're elated to hear about your success in the program and we look forward to you becoming debt-free. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jan. 20th, 2021

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Jonathan Martinez Imperial, CA

They helped me lower my debt payments and pay them off faster.

3 weeks ago

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Reply from Freedom Debt Relief

Johnathan, we appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we'll always be right by your side. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Jul. 6th, 2021

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Brandie La Follette, TN

I had so many payments a month I was simply drowning in them. Joining freedom debt relief gave me a very manageable one time payment that I desperately needed. The downside was that my credit was completely trashed due to the credit card companies constantly penalizing me for light/non-payment. I went from having a 770 credit score to barely managing a 530. My largest count was a little over $8000 and it has taken 2 1/2 years to finally get that account resolved. Joining The program definitely helped at the time but in the long run I feel that it was definitely not worth it.

10 months ago

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Reply from Freedom Debt Relief

Brandie, thank you for bringing this to our attention. We are thrilled to see progress in your finances and resolutions of debt. That should give you better investment power when all the debt is resolved. We look forward to coming success and want to address concerns that arise. Please make sure you are utilizing all the resources we offer to better your expeirnece. For more information please give us call 800-655-6303. Thank you for choosing Freedom Debt Relief.

Sep. 2nd, 2020

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Jan Lazeski Saint Augustine, FL

happy that 2 of my accounts reached a settlement; a bit surprised at the amount that the settlement fee came to, but understandable I guess. Also I wanted the past due credit card acc't. at my personal bank to be one of the 1st settlements because they also have where my money is deposited, but fdr explained to me how negotiations work and I understand - hope situation doesn't end up difficult however.

11 months ago

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Reply from Freedom Debt Relief

Hi Jan! Thank you for sharing your thoughts with us. We are glad your accounts are being settled accordingly with us. As we continue down your graduation path, please remember you can track your program process online through your Client Dashboard or reach out to Client Services if you need anything at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief to assist you on your journey to financial freedom!

Aug. 19th, 2020

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Emily

We've had some challenged when we call in to the regular customer service team where we get misinformation and recently we've had to go directly to a rep and not calling the main customer service line. When I call the customer service line things don't get resolved. It's been great with the person who's been helping us but it's been frustrating because I have to wait for them to be available. They pretty much resolved everything and did it for a lot less than we thought we could go. They need to have accuracy of data updates. They created a large confusion when they were settling it full time where it was unresolved when we thought it had been resolved.

2 years ago

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Reply from Freedom Debt Relief

We're so sorry to hear, Emily, that your concerns were not properly addressed when speaking with Client Services. Our goal is to provide each and every one of our clients with a world-class customer service experience each time they engage with us. If you've received anything less than this, again, we sincerely apologize. We are thrilled to know you have developed a relationship with someone is is able to efficiently resolve your concerns. However, we would like an opportunity to restore your faith in our Client Services team. Contacting Client Services provides you with the opportunity to have your questions answered immediately, rather than having to wait for someone to become available. We are all eager to assist you, Emily. Thank you for choosing Freedom Debt Relief.

May. 22nd, 2019

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RKE Winkle

I never thought about debt relief until one of FDR's cust serv people contacted me and explained their product. I'd been struggling with credit cards but their help sounded as if I could do better. I turned my CC debt over to them, followed their directions about interacting with my creditors. It was hard not making the monthly payments, waiting on the companies to settle. I started increasing my monthly payments to FDR to shorten the 48 month payment time frame. I hope to shorten the payment time to FDR even more in the near future. The CS people are always very nice and answer any questions or concerns. It seems to be a solid way to reduce CC debt so far. They offered a bank loan so I could make sure all my repayment monry was in the pot , perhaps they could secure settlements quicker, I refused that as i didnt want any further debt. Nothing further was said.., no one badgered me. I'm only part way though my settlements. So far so good. Ask me in anither year. Yes I'll recomment the services of FDR to anyone.

2 years ago

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Reply from Freedom Debt Relief

We're glad to hear you're having so much success in our program. Congratulations on taking the initial leap toward your financial freedom. We are grateful to know you now have a brighter outlook on your financial future. Thank you for complimenting our level of customer service as well! We hope to continue providing you with amazing experiences. Thank you for choosing Freedom Debt Relief to obtain your financial goals!

Apr. 4th, 2019

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Russell S Mitchell Akron, OH

I looked them up online and asked around before picking them. They just looked like a good option and a trusted firm. I've been with them for about 2 years and I fully trust them. Every time I call, everybody is friendly and they keep me informed. They always give me good answers and try to guide me through every step I need to take. They make it easy for me to send out paperwork and things like that. For updates, they email me and I can also look at their website to find all the information. It has worked out well for me. It's a good way to pay back your debts without actually filing for bankruptcy. It's a pretty easy way out of that doesn't leave you feeling guilty about not paying your debt. Even when you include the debt relief fees that they charge, they steadily reduce the rates and payments you have to make. They also ensure that creditors won't be climbing on my back to bother me. I just wish they wouldn't stretch the actual payment so much but I understand that's how the system works.

3 years ago

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Reply from Freedom Debt Relief

Thank you for leaving us an outstanding review! 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!

May. 7th, 2018

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Richard Hawkins Caldwell, ID

We have been troubled with credit card debt. It didn't seem to ever get paid off because we were stuck just making the minimum payments. We contacted them to see if they could help relieve some of that stress and so far they have been able to do it. They have reduced the balance for 5 of our accounts by about 40%. There was one account that we got back where the settlement was not as much of a discount as my others had been. I rejected it and asked them to see if they could do a little better on that. They're still working on that account in particular so we'll see how that goes. I've been very satisfied with every other settlement they've reached though. Customer service is very good; they answer my questions really well. They're real pleasant over the phone, even when you're dealing with a stressful situation. There have been times where the person that I'm talking to is not really addressing my specific question but rather just generalizing things. I get a little frustrated whenever that happens but for the most part they are very helpful and friendly people. They send us emails or text messages whenever we get a new settlement or if they need approval for something. I'm very pleased about signing up with them. They've gotten us into a position that I would've never been able to reach on my own. We still got a way to go but so far everything has been mostly good. It has relieved a lot of stress.

3 years ago

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Reply from Freedom Debt Relief

Thank you for leaving us an outstanding review! 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!

May. 7th, 2018

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Virginia Schutt Port Saint Lucie, FL

At the time we were pretty messed up financially. We were pretty much living on credit cards and had no other money. It was just awful, so I tried to figure out a way out of that. I talked to someone several times about it and she was just very patient and understanding of my situation. In the end, I just decided to go with it. In the beginning it really felt like they were there for me. Before taking an offer from a company, they always asked me first if I wanted to accept it. They would also send me an email ever so often to encourage me to look at my account on their website to see what had been paid off. Later on though, when I had a couple more questions, the only way was could get a hold of them was through email or through their website. That didn't feel very personal to me. When we signed up I also didn't know that the fees were going to be as high as they were. I thought it was going to be like $2500 dollars for everything but for two years in a row I've been paying for a fee per account and I've also had to pay for cancellation of debt things and taxes. I mean, it has been a good thing, I can see the light at the end of the tunnel now and that's good. We're happy to not ever have another credit card. But still'

3 years ago

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Reply from Freedom Debt Relief

We appreciate your honest review and feedback! Please reach out to our client services department at (800) 655-6303 or with any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Apr. 23rd, 2018

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Anonymous Bowling Green, KY

They are a very good company and they were very concerned about our debt. So far they have been personable, nice, and generally they do really seem to care. I usually look on their dashboard to check on the progress of things and if I ever have any question I can just call them at any time. The only thing I wish they would change is the way they contact companies and such. They do individual accounts one at a time, but I wish they would contact all the debt agencies and let them know that they're working on the accounts. Still, I feel like I made a good decision working with Freedom Debt Relief.

3 years ago

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Reply from Freedom Debt Relief

We appreciate your review. We care about all of our clients at Freedom Debt Relief and we love to hear about your experience with the Client Dashboard. We do our best to resolve your accounts in a very timely but we do understand your concerns about contacting all of your creditors at once. Overall, you absolutely made the best decision in choosing Freedom Debt Relief! Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Jan. 12th, 2019

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Martin Herrera Indianapolis, IN

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

4 years ago

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Reply from Freedom Debt Relief

Martin, thank you for sharing your thoughts about our program. We understand how hard it can be to take that first step towards financial freedom. This is why we do our best to be as clear as possible. We are honored to have been part of your journey in resolving your debt. If you ever have any questions please feel free to call Client Services at (800) 655-6303. Thank you for choosing Freedom Debt Relief.

Aug. 14th, 2020

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Leroy Morrison Lakeside, AZ

It's been cool working with these people, it really has. They're great, they answer all my questions, not a problem at all, they're really nice people. I had a whole bunch of bills, so it was kind of overwhelming. I saw an ad on TV and so I called them. When I first started out, they put it on on my tablet but I'm not a very good electronics person, so when they make progress on my debt they call me on the phone, and I appreciate it very much. I love it, I'm glad I did it. On my limited income it's a little tough to have it deducted from my bank account every month, but it's a lot cheaper than what I was paying before. I was paying $6700 a month on these debts that I have, and now I'm paying $300, so I'm happy. I did save quite a bit.

4 years ago

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Reply from Freedom Debt Relief

Thank you for leaving us a review, Leroy! We are so happy to hear that we were able to assist you with your goal of becoming debt-free! We want to see all of our clients succeed! So we are here to support you at every step of your debt-free journey, so please feel free to contact our Client Services team any time you have questions! Give them a call at 1(800)655-6303 or reach them by email at [email protected] Thank you for choosing Freedom Debt Relief!

Aug. 21st, 2020

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James Knapp Feeding Hills, MA

I was laid off and forced to retire early, and I didn't make enough money on unemployment to pay for all the credit card bills I had accrued. I think I saw an ad on the internet about Freedom Debt Relief. I called them, and no complaints, I'm pretty happy with how it's going. I got emails from them, and actual correspondence through the postal service, and they've been good at keeping in touch. They told me it's going to take a few years to pay all the debt off, but so far so good. From the first card they settled I think I saved a thousand dollars, and they're taking care of three others that they're dealing with, trying to get my debts down. I think it was a good decision, and I'm happy with their service.

4 years ago

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Reply from Freedom Debt Relief

Thank you for sharing your story, James! We are sorry to hear what happened, but we are happy to know we found each other and that we were able to assist you! Keep up the great work, and please reach out to us anytime you have questions about your program! You can contact our Client Services team seven days a week by calling 1(800)655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Aug. 26th, 2020

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Irene Escobedo Fallbrook, CA

I like how they have the online dashboard because it makes easier and visible for you to look at your information, unless you have to talk to somebody all the time, but mainly I like the fact that they do the work for you. I needed help with a couple of credit cards, and I would say they probably saved me almost 10 grand. They kept me up to date by email, which was very good for me because I'm a busy mom and care giver. I did have a bad experience where a gentleman called me from there, offering some kind of loan. He was being kind of pushy, and when he called me I was busy driving. I told him that I would have to call back, but he insisted, trying to explain the program, and he was actually kind of rude at one point. He told me that he couldn't see why I couldn't understand how the program works, so that was a bad experience.

4 years ago

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Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review, Irene! We are so happy to hear that you are satisfied with the results of the program and along with utilizing the Client Dashboard. It is such a great resource for our clients to stay up to date with their success! Keep up the great work, and please reach out to us anytime you have questions about your program! You can contact our Client Services team seven days a week by calling 1(800)655-6303 or email [email protected] Thank you for choosing Freedom Debt Relief!

Aug. 26th, 2020

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Traci Stewart Salt Lake City, UT

I haven't had a problem with this company, but if you need information about what is going in with your accounts you have to reach out to them

3 weeks ago

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Reply from Freedom Debt Relief

Thank you, Traci, for taking the time to leave us a review! 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. We appreciate you choosing Freedom Debt Relief!

Jul. 2nd, 2021

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Angie Clear Lake, IA

The communication regarding the graduation process is lacking but other than that we are more than happy!

2 months ago

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Reply from Freedom Debt Relief

We appreciate you for taking the time to share this with us today, Angie since we take every opportunity to get better. Remember, you can log into your Client Dashboard at any time to review the details of your account. You can also chat with us during office hours if you have questions. Please let us know how we can better support your financial journey. Thank you for choosing Freedom Debt Relief.

May. 17th, 2021

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frankie turner sr Slidell, LA

When I called Freedom Debt Relief, the person that I talked with was very nice and had great knowledge on all of my questions. I was very pleased with her.

1 month ago

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Reply from Freedom Debt Relief

Frankie, we appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we'll always have your back. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Jun. 11th, 2021

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Jozeh Stanton, CA

Their customer service, has been great so far, they always tried to help me everytime I call, no lifeless operators behind the ohinenwho do not care about someones issues.

1 month ago

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Reply from Freedom Debt Relief

Jozeh, 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'll always be right by your side. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 2nd, 2021

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Israel estonactor Anchorage, AK

It is very easy to work with FDR and the staff are very helpfull nothing to say something bad all I can say FDR is the best.

3 months ago

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Reply from Freedom Debt Relief

Amazing feedback, Israel! We are thrilled to serve you and look forward to your future success. 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.

Apr. 19th, 2021

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Adriana Bonilla Holtsville, NY

I liked that they helped me settle my debts however I do think the settlement fees are quite high. I did have some high balance that were potential to be sued so I needed to use them as they provide legal protection as well. If you have low balances it’s best to try to settle yourself and deposit into ur own dedicated account monthly

3 months ago

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Reply from Freedom Debt Relief

Hello, Adriana! Thank you for taking the time to leave us a review! Our team takes pride in making sure our clients are supported throughout the process and we'll always be here for you. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Apr. 22nd, 2021

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Richard Edmond

At the end it worked out but it seems your departments are on different tracks when they should be on the same. Your machines and humans should match up together a little more than they do.

7 months ago

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Reply from Freedom Debt Relief

Richard Edmond, 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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Linda Lowrie

It's been pretty good it has it's pros and cons , goof thing to do if you are bhind on credit cards and stops them from calling you all the time begging and threats over the phone

8 months ago

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Reply from Freedom Debt Relief

Amazing feedback, Linda! We are thrilled you have taken the first step to resolve your debt. We are here to fight for each settlement to help you save money and time. 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. 18th, 2020

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Theresa Cicero, NY

Easy process, good communication and helpful customer service

1 month ago

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Reply from Freedom Debt Relief

Hello, Theresa! We appreciate you taking the time to leave us a review! Our team takes pride in providing world-class customer service to our clients and we'll always be right by your side. If you have any questions, please call us at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 2nd, 2021

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Amber

It can be a little confusing at times to eactly what I owe still and when I will be done with the program. Also it's a little steep to as how much your company takes each time a settlement is done. 25% is a lot. The whole reason I am in the program is to get things paid off because I'm struggling to get them paid off on my own. I think you need to charge a flat rate.

1 year ago

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Reply from Freedom Debt Relief

Amber, we appreciate your honest feedback! We understand how the fees can seem high. However, if you compare our fees to 100% of the debt amount plus any interest and additional late/penalty fees if someone can't meet the monthly required minimum payment. We offer a proven solution at an affordable monthly cost that helps our client pay down their entire debt; principal, fees, interest and all. If you ever need our assistance please call Client Services at (800) 655-6303.

Apr. 8th, 2020

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Jack Sykes

I have been with Freedom Debt Relief for over a year and a half. They did help me reduced 3/4 of my debts. Two of the personnel loans almost go to court, but Freedom Debt Relief did supply attorney to help me fight and reach agreements before we go to court. I highly recommend Freedom Debt Relief for anyone who needs to get out of their debts. Beware, you have not to pay your debts for a least 4-6 months before FDR will negotiate with your debts holders. Your credit rate will suffer and below 500. But, after your liability pays off, the credit rate will go up!

1 year ago

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Reply from Freedom Debt Relief

Thank you very much, Jack! We thank you for sharing your experience of the program with us. We understand some creditors are more aggressive than others but, we are pleased to hear we have been able to take care of your debt and your program is moving forward. Feel free to lean on us and to reach out to Client Services if you ever have any questions. You can call us at (800) 655-6303 or email us at . Thank you for choosing Freedom Debt Relief!

Oct. 30th, 2019

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Terry Brown Seminole, OK

For the most part I am very happy with FreedomDebt Relief with one exception and that is the way they handled one account I asked them to take care of the account that I thought was the most important and they assured me that they would as they handled this company all the time so knew how to settle this without problem and since I had purchased legal representation I had no worries.In this one instance they let it go to court where judgement was placed on me. Other than that I feel they did a good job

2 years ago

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Reply from Freedom Debt Relief

Thank you for your valuable feedback, Terry! We are sorry to hear that your account went through the legal process. Unfortunately, there is always a chance that any account can take that rout. Our team will always be here to support you on your journey to financial success. Feel free to reach out to Client Services via phone or e-mail at (800) 655-6303 or . Thank you for choosing Freedom Debt Relief!

Jul. 18th, 2019

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Anthony Rosado

Once you have a great customer service person , He or she have gone beyond to help with your concerns, the website can be better, 1. once your paying you should see wihat you own. 2. a better beark down on the money of service, your payment,settlement fee , all should be describe better. so we can make a decision to finish our program before due date.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your feedback, Anthony. It is our priority to deliver the best results possible. We are happy to hear one of our dedicated Client Services advocates met your expectations. If there is any other way we can help you, don’t hesitate to reach out to Client Service at 1 (800) 655-6303 or visit your Client Dashboard at . Thank you for choosing Freedom Debt Relief

Jul. 9th, 2019

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Amanda

I've tried the online chat and it's not very reliable. I prefer to talk to somebody in person. They did send me text message but only when they reached a settlement. They never kept in contact with me during negotiations and that made me a little uneasy. It does take a little bit longer than I would expect. When you think you might graduate, it doesn't necessarily mean anything because sometimes the negotiations take longer.

2 years ago

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Reply from Freedom Debt Relief

We appreciate your feedback, Amanda. You can always speak to a real person whenever you please by calling Client Services at 1-800-655-6303. Your negotiation updates will update on your Client Dashboard. We look forward to continuing to serve you as a valued client and would like to thank you for choosing Freedom Debt Relief!

May. 21st, 2019

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Anonymous

When you are faced against a bunch of debts, they are willing to negotiate and work with you. When you are in a situation like this with so many debts and one income coming out of one household it shouldn't do that much to your credit score because you're constantly faithfully making your payments in a long time and so forth. They should be able to negotiate with tha credit score, it just makes it look bad.

2 years ago

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Reply from Freedom Debt Relief

Hello, and thank you for sharing your honest feedback about our services. We understand that the hit on y our credit can seem a bit intense. However, after a settlement is completed you will be able to see that reflected in your credit. We can assure that you will be pleased with the plan we have to resolve your debt. If you are ever concerned about your account please call Client Services at (800) 655-6303.

Aug. 6th, 2020

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Tammy

I think the customer service has been very helpful when I had questions and things like that. The guy who helped me when I first joined the program I thought was very helpful and he went above and beyond. When you join the program, the accounts go up in price and they charge you according to when you pay off the bill and they take their commission off of what the bill has become as opposed to what it was before when you started. For the most part I'm happy with the progress and the service I am receiving.

2 years ago

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Reply from Freedom Debt Relief

Thank you for sharing your experience, Tammy! We take pride in our negotiation ability so even if an account grows we save the most money possible for our clients. Fees are pre-determined and unchanging through your entire program, they are based only on the amount you enroll, not what they grow to. If you have any questions or concerns, please reach out to our highly trained advocates at 1-800-655-6303. Thank you for choosing Freedom Debt Relief!

May. 22nd, 2019

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Peggy

Sometimes they are in contact with me and other times it doesn't seem like they are. I saw a couple of different times, or at least one charge card, it could have turned out a lot better than it did. Instead of having to pay over a length of time, they were getting so much a month and it was going to take like two years to pay it off. I couldn't understand that.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your review, Peggy. Our negotiation strategies are created for your benefit and implemented so we can negotiate on as many of your accounts at once. If you have any questions or concerns, please don't hesitate to contact Client Services, they can be reached at 1-800-655-6303 or via email at . Thank you for allowing Freedom Debt Relief to guide you to your debt free future.

May. 22nd, 2019

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cameron minnis

Overall I was satisfied with the service I received from FDR. I would have liked to have been better informed on the consequences of when my creditors sell/cancel my debt, and how a 1099-C affects me. I'm not sure if FDR could have helped prevent the cancellation of debt by better communicating with my creditors. Debt cancellation sounds good, but it doesn't always have the most desired effect on future credit score.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your honest feedback, Cameron. We sincerely apologize if these possibilities were not shared with you in detail. Yes, the creditor(s) may decide to close any revolving credit accounts that are enrolled in our program. Keep in mind the the purpose of enrolling into our program is to resolve the debt you currently have and develop habits to prevent a large accumulation of debt again in the future. Therefore, having an open line of credit enrolled in the program defeats the intended goal. In some cases clients may receive a 1099C, which requires them to pay taxes on their forgiven debt. However, 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. Since FDR is not a tax consultant, we strongly encourage you to please contact your tax advisor if you have further questions about the options available to you. Thank you for choosing Freedom Plus as a guide to your debt-free future.

Apr. 16th, 2019

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John Newaygo, MI

They were always very informative and quick to respond. They were constantly trying to help. They were passionate about doing their jobs. I got my payment reduced and I was able to work out an understanding with the debtors. There were a few times that were kind of long in returning the call, but one particular debt that I went to loan litigation kind of got shuffled on the sideline but they did their job and were very efficient.

2 years ago

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Reply from Freedom Debt Relief

Thank you for your honest review, John! We are so happy we can assist you! We are here to support you at every step of your debt-free journey, so please feel free to contact our Client Services team any time you have questions! Give them a call at 1(800)655-6303 or reach them by email at [email protected] Thank you for choosing Freedom Debt Relief!

Aug. 5th, 2020

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Karen M. Gima

FDR really helped me stay committed to paying the low monthly bill for my consolidated credit card bill. I enrolled 3 credit cards all of which I couldn't afford paying the minimum payments for each consistently and when I had a chance to pay a big chunk of the balance, I wasn't able to keep up with it. I've been in the program for almost 3 years. I am actually glad to have signed up for it since it's helped me so much. Hopefully if all goes as planned, I will be done and will graduate within a few weeks.

2 years ago

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Reply from Freedom Debt Relief

Congratulations, Karen! We are so proud of your efforts and hard work you put into our program. You are so close to becoming debt free. Keep in mind you can monitor your progression by logging onto your client dashboard at . Thank you for choosing Freedom Debt Relief!

Mar. 26th, 2019

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Anthony Perinich Livingston, TX

I have had mostly good experiance. There was one time they said I was behind in payments. with my help showing that I had not missed any payment by comparing my bamk stament to there records. The problem was a company that they they had a contract with backout and were supposed to return what had been paid and didn't They resolved the problem and all is good now.

2 years ago

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Reply from Freedom Debt Relief

Thank you for sharing, Anthony. This sounds like an extremely frustrating situation. It's great to hear we were able to successfully resolve the issue and keep you on track on your graduation path. We also appreciate your patience while we researched the matter. Thank you for allowing Freedom Debt Relief the opportunity to service your financial needs.

Mar. 19th, 2019

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Anonymous Jacksonville, FL

It's a lot of pressure off my shoulders knowing that I do not have to deal with this problem. They have been very open and they keep you informed. They're web tool is very good and if you don't go into it for a couple weeks it reminds you. You can track your accounts and your progress. The only thing I don't like is that their charges are very high so even though they say they are saving you fifty percent after their charges, they are only saving you about twenty five. It still is a lot easier than having all the pressure on you.

2 years ago

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Reply from Freedom Debt Relief

Thank you for providing us with your honest feedback about our program. We do want you to see that even with our settlement fee we collect it's still a huge saving compared to having to pay the creditor 100% of the debt owed + interest % + late fees + penalty fees. Which helps our clients pay down their entire debt - principal, fees, interest and all. 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!

Feb. 15th, 2019

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