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Freedom Debt Relief

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14,822 User Reviews

9.9

Overall Score

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LAST UPDATED: January 27th, 2022

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Why Freedom Debt Relief Is Our Top Pick

Freedom Debt Relief has stellar customer reviews. A 4.7 out of 5 star ranking with over 14,000 verified reviews is one tough feat, and Freedom Debt Relief has earned the top spot on our site thanks to its satisfied customers.

Freedom Debt Relief is a trusted brand that sets the standard for ethical financial practices and has a low minimum debt requirement, making its reliable services more widely available.

About the Company

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.

In fact, Freedom Debt was one of the founding members of the American Fair Credit Council (AFCC), which now accredits other debt relief companies and sets the standard for best practices in the credit advocacy industry. The company is also a platinum member of the International Association of Professional Debt Arbitrators.

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

How does Freedom Debt Relief work?

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.

Should I have any concerns about Freedom Debt Relief?

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.

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.

Details and History

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.

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.

Services

As a leading debt settlement company, Freedom Debt Relief offers several services and features to its customers, including:

  • Free consultation with a Certified Debt Consultant
  • Relief for unsecured debts (credit card debt, medical debt, personal loan debt, or department store credit debt)
  • A free debt evaluation
  • An online dashboard to track your progress
  • Debt negotiation
  • Debt settlement
  • And more

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

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.

Pricing

How much does Freedom Debt Relief cost?

On average, Freedom Debt Relief charges $4,000 to settle $20,000 in debt, or about 20-22 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.

What is Freedom Debt Relief’s minimum debt requirement?

Freedom Debt Relief has a minimum debt requirement of $7,500. This means if you are looking to settle or reduce your debt but you do not meet this threshold, you will have to find another debt relief company with a lower minimum debt requirement.

However, Freedom Debt has a lower minimum requirement than some other top debt relief companies we have reviewed, so it is still standard for the industry, if not slightly more inclusive and available than some other debt relief companies.

What Customers Are Saying

Want to read real Freedom Debt Relief reviews from verified customers? Do so here. We’ve also included a snapshot of how customers rank Freedom Debt in terms of value, quality, service, and trustworthiness.

Positive 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.

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.

View Freedom Debt Relief reviews below.

The Bottom Line

Freedom Debt Relief is for those who...

  • Have at least $7,500 in unsecured debt
  • Want to work with an industry leader in the debt relief space
  • Value an experienced company with accreditations

Freedom Debt Relief is not for those who...

  • Have less than $7,500 in debt
  • Prefer working with a small company or nonprofit

Should I use Freedom Debt Relief?

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 19 years of experience working to reduce its clients’ debt, Freedom Debt Relief has resolved over $10 billion in debt since 2002.

How does the Freedom Debt Relief program work?

After signing up for Freedom Debt Relief, you make monthly deposits into an FDIC-insured bank account that you own and control. Once enough money has built up into this account, negotiations occur towards resolving each of your debts one by one. Once a settlement offer is obtained, Freedom Debt Relief presents the offer for you to 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 works with a network of lawyers it makes available to help qualifying clients in these situations — at no additional cost.

Is forgiven debt taxable?

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

Message from
Freedom Debt Relief

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

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

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

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4.7

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14,822 Reviews

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81%

4 grade

12%

3 grade

3%

2 grade

1%

1 grade

2%

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Courtney Wood Ooltewah, TN

Up until this point, FDR has had a five star review from me. In December of 2021 Discover Bank decided to sue for my unpaid debt. With this new unfamiliar process some of the client services reps and legal team have been great to help and some have not unfortunately. This debt, out of all of mine I signed up with them, has been very stressful. I feel like I have had to do the majority of the work in this debt alone. The law firm that has my case never emails or calls me back with my questions in trying to settle this debt. I put almost all of the money they asked for to settle this debt before wage garnishment on Discover’s behalf in my FDR account. This amount is a little over 3,000. All I want is for Discover to settle and for the lawyers on FDR’s end to work a little harder for me now that I have almost all of the money Discover asked for. I just feel like FDR could do a little better with their team in terms of making the client feel more comfortable and not so lost and alone in this scary Process. Currently I just feel like I provided all of this money to them with no sign of a resolve in sight.

4 days ago

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Reply from Freedom Debt Relief

Hello Courtney, thank you for sharing your feedback with us. We are sorry to hear that this account has caused additional stress to you. An account specialist will be reaching out regarding these concerns. You have our full support, thank you for choosing Freedom Debt Relief!

Jan. 25th, 2022

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Eva Wilson Hatfield, PA

So bless!!! the best decision ever. After being a believer of not giving out personal information it didn't matter now. All I did was prayer for a miracle and I got it when I made the phone call. My Angel was Mr.Joesph S and from that point until this day his number is still in my phone. This company does all the work for you starting the same day. It took about three years to become credit card free.Graduation the the best ever and still today we have no credit cards.....Thanks Freedom Debt Relief Eva Wilson

6 days ago

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Reply from Freedom Debt Relief

Eva, thank you very much for sharing your experience. It is wonderful to hear that you are happy with the decision that you made to trust us as your guide to gain financial freedom. Thank you for choosing Freedom Debt Relief!

Jan. 21st, 2022

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James J Shumsky Melbourne, FL

From start to finish the process to get assistance from Freedom Debt Relief is a great, stress-free experience. You work with an actual dedicated account representative that shows compassion and empathy for you, as making the decision for debt resolution is a very important decision. They explain the process at your pace, and not like they are reading off of a script. I 100% recommend the services of Freedom Debt Relief. I had a nightmare 5 year experience with another company, who left 3 major debts unsolved after I completed their program.

1 week ago

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Reply from Freedom Debt Relief

Hello James, its great to hear that the process was smooth for you! We work very hard to help you with your goals to become debt-free but we also want to make sure we can reduce the stress of the process! Thank you for choosing Freedom Debt Relief !

Jan. 20th, 2022

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Cruz Rosas Ponce Stockton, CA

Good at explaining things. before when I called to speak to a representative it was quick now it's taking more longer on weight line wait time I have my answers right away when I speak with a customer bill no problem I have is that my dashboard can I get into it I have a very frustrated so I called rather than to dashboard

3 weeks ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience Cruz. We are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Jan. 6th, 2022

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Laurie Almond, NY

It's very good it helped me a lot. Maybe their fees are higher than I wanted. They always answer my questions and they respond quickly. They sent me a text or email, maybe both, letting me know that there's been update or if there's something I have to approve and where and what's going to be coming up next. They just they keep me updated ahead of time.

1 month ago

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Reply from Freedom Debt Relief

We are happy to hear that, Laurie. We understand that some people may find our fees to be high but keep in mind that even with our settlement fee, maintenance fee, and taxes, those totals could not exceed the compound rates like credit cards. We encourage you to speak with our Client Services team to learn what options are available that would allow you to accelerate your Graduation Path. Client Services is available 7 days a week to support your financial needs. Your feedback is valued. Thank you for trusting Freedom Debt Relief to serve your financial needs.

Dec. 15th, 2021

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Michelle Zavalla, TX

I get messages through my email as well as phone calls and letters always keeping up to date with everything if I need to authorized a settlement or anything the details. They get me the information I need it within a timely manner. They've always answered every question that I have, always available anytime I call and doesn't take long to get a hold of the customer service representative. I feel great about it. I had no issues with them, they do not bug they do not encouraged me to do anything that I'm not comfortable with I have nothing but positive and good dealing with them.

1 month ago

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Reply from Freedom Debt Relief

Your amazing feedback is appreciated, Michelle. We're honored to be your solution to financial relief. We hope to continue providing a supportive and pleasant atmosphere for you. Thank you for being the best part of Freedom Debt Relief. Here's to your financial freedom!

Dec. 15th, 2021

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Bob Cabral Turlock, CA

Freedom Debit Relief explained the plan they for me so I could understand it. They're actually doing everything they said they were going to do. They're always there if I have a question, and they always get me an answer. Plus I'm saving a lot of money.

15 hours ago

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Theresa Middletown, NY

When I called them to ask questions they answer the questions for me. I'm gonna have to say they were pretty good at keeping me updated.I had my dashboard that I would be able to use as well. I had to go to court because they stopped paying one of my debts, so that what I was not 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, Theresa. It's always great to hear that we've been able to answer any and all questions you've had throughout your program. We understand that some accounts may go legal and we do apologize for the inconvenience that we made you go through. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Dec. 14th, 2021

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Kyla Harrogate, TN

I feel really good about it. I'm getting rid of debt that I would have never gotten out from under. Their service is wonderful. Updates come through the emails through my phone. They're very very highly proficient to help you get out of debt.

1 month ago

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Reply from Freedom Debt Relief

Thank you for sharing your exciting feedback with us today, Kyla! It's always great to hear clients share how pleased they are with our service efforts. Please call us at 800-655-6303 if you need any assistance. Thank you for choosing Freedom Debt Relief!

Dec. 15th, 2021

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Connie L Furniss Lewes, DE

I'm on my way of being debt free!! I was scared at first doing this but the people were so nice and understoodd my feelings . They gave me encouragement and now today I'm almost done the program. I am so thankful for this program and the dedicated people they have helping.

1 month ago

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Reply from Freedom Debt Relief

Congratulations, Connie, on the progress you've made! You are aggressively making your way toward your financial freedom. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Dec. 14th, 2021

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Laura Swanson Owatonna, MN

I was really nervous when I first called. The rep Esther was so nice. She was easy to talk to. I got signed up in August 2021. Freedom has worked hard and fast to get settlements. I highly recommend Freedom!

2 days ago

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Reply from Freedom Debt Relief

Hello Laura, thank you for sharing this experience with us! We understand that it can be very intimidating to consider a program like ours , we appreciate that you gave us the opportunity to guide you in your journey towards a brighter financial future. Rest assured our negotiations team is actively working on settling all of your accounts. Thank you for choosing Freedom Debt Relief as your financial guide!

Jan. 25th, 2022

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Charles Miller Baldwinsville, NY

I like best about this company this that they are on top of resolving accounts that needed to be taken care of. They communicate great with my daughter and I about my account. All in all I would give them a 100%.

1 week ago

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Reply from Freedom Debt Relief

Charles, thank you for reviewing your experience! It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Please let us know how we can continue supporting your journey to financial freedom. Thank you for choosing Freedom Debt Relief!

Jan. 21st, 2022

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gina jacobs Charlotte, NC

I am so happy with Freedom Debt Relief! They resolved all my debt in less than a year! The communication and customer service is excellent! My credit score has already jumped 150 points. It was definitely worth using Freedom Debt Relief.

1 week ago

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Reply from Freedom Debt Relief

Gina, thank you for reviewing your experience! Thank you for allowing us to be part of your journey towards financial freedom and congratulations on your hard work to get to this point. Thank you for being a valued client of Freedom Debt Relief.

Jan. 17th, 2022

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Sandra Miami, FL

Everytime I needed to get in touch with them they were there and helped me out. They're always there for me in time or everything in my best interest. I feel great, I feel very good I'm happy.

1 month ago

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Reply from Freedom Debt Relief

Making sure our clients feel well-supported remains our number one focus. We appreciate your amazing feedback, Sandra! It's great to hear that we always successfully resolve your questions and/or concerns you have. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Dec. 15th, 2021

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Anonymous Abilene, TX

I feel relief. They're doing everything that I needed them to do for me and and took that burden off my shoulders. They send me text messages and an email. They were with me all the way getting started since the first

1 month ago

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Reply from Freedom Debt Relief

Amazing feedback! Hearing that our service has provided you with relief is beyond rewarding! It's always great to hear clients share how pleased they are with our service efforts. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Dec. 15th, 2021

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Angela Van Nuck Atlanta, GA

Due to pride, I never envisioned myself ever seeking support. What a relief to know that you have a dedicated team working with you . Every contact I have had with staff has made me feel at ease. I am not out of the woods yet, but with a game plan and continued discipline I can see the light at the end of the tunnel. Thanks again!!! Sincerely, Angie

4 weeks ago

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Reply from Freedom Debt Relief

Angie, we appreciate you taking the time to leave us a review! We applaud each client when taking their first step to becoming debt free as we know it takes a lot to be able to make that decision. Thank you for choosing Freedom Debt Relief!

Dec. 30th, 2021

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Homeldad Cabase Laurel, MD

Freedom debt relief help me out to resolve my credit cards problem. The company that I was working with was forced to close because of COVID-19. The only choice that I have to go for early retirement but the pension that I’m getting not enough to cover my rent and my bills. I’m behind to pay especially my credit cards so I decided to enroll in the program with Freedom Debt Relief .

4 weeks ago

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Reply from Freedom Debt Relief

Hello, thank you for sharing this with us and trusting us to help you in these hard times. we are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Dec. 30th, 2021

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Gena Dallas, TX

I am thoroughly impressed with their customer service , on the ohone as well as chat, I never had any problems no matter how many times I call or how many questions I have they are always willing and able to resolve my issues and answer any questions I may have. They are always polite and courteous and go above and beyond. This debt solution company is top notch there aren’t any hidden fees or anything, they keep you informed about everything every step of the way.

4 weeks ago

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Reply from Freedom Debt Relief

Gena, thank you for taking the time to review your experience with us! t's great to hear you received the utmost level of customer service when speaking with us. Please let us know how we can continue supporting your journey to financial freedom. Thank you for being a valued client of Freedom Debt Relief!

Dec. 30th, 2021

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Lindsay Gill Phoenix, AZ

I was at rock bottom with my debt and I reached out to Freedom Debt Relief as a last resort. Within a few minutes I was talking to an expert about my options. We went through my finances together and figured out a plan that worked for me. Not only was she professional but she was reassuring and empathetic to my situation which made this process feel much more manageable. Since I started one year ago about 1/3 of my debts have been resolved! Freedom Debt Relief was the saving grace I needed during one of my hardest times. Working with them has provided me with peace of mind and a better understanding of financial literacy so that I don’t find myself in this position in the future.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Lindsay. We're so happy to hear how much we have helped alleviate the stress you were experiencing. Thank you for being a valued client of Freedom Debt Relief!

Dec. 13th, 2021

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Cindee Mount Airy, MD

I was so stressed during the Pandemic. I was drowning in debt with no way out. It looked like I would not be able to pay it off in my lifetime due to the interest and late fees. I wanted to pay all of my creditors. I did not want to file bankruptcy and walk away. I turned to Freedom due to their outstanding track record and customer service. If you have a steady income , I recommend Freedom Debt Relief. You must stick to your budget and make all payments on time. I sleep much better now knowing that my debts are being paid and fees reduced. Freedom Debt Relief is an open door to a new life. I look forward to graduation. This was the best business decision I could have made. In my. Circumstances. Trust Freedom Debt Relief and become Debt Free. They have great resources to help clients get on a budget . I highly recommend this company Cindee M

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Cindee. We're so happy to hear how much we have helped alleviate the stress you were experiencing. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for being a valued client of Freedom Debt Relief!

Dec. 6th, 2021

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Stacey Melton Monteagle, TN

Every employee is always super nice & explains things so you know what's going on. Helped in every way to get my debt resolved.

4 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Stacey. It's great to hear you received the utmost level of customer service when speaking with us. Thank you for being a valued client of Freedom Debt Relief!

Dec. 30th, 2021

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Linda Hernandez San Antonio, TX

Friendly, professional and very helpful. The services proved are very helpful and maintain you on track with the payments due.

4 weeks ago

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Reply from Freedom Debt Relief

Thank you, Linda, for taking the time to leave us a review! It's great to hear you received the utmost level of customer service when speaking with us. Please let us know how we can continue supporting your journey to financial freedom. Thank you for being a valued client of Freedom Debt Relief!

Dec. 30th, 2021

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Sandra Allard Chippewa Falls, WI

They are very nice at helping me out and I hope they can re evaluate the amount im paying because I am now disabled and not working.

4 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Sandra. We are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Dec. 30th, 2021

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Viviana Angulo Ripon, CA

Have been very helpful explaining all the possible solutions and options I have to accomplish my financial goals. Have been very helpful, and have the best customer service. I am so grateful!

1 week ago

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Reply from Freedom Debt Relief

Thank you for reviewing your experience with us Viviana. It is great to hear that you were presented with options for you to make the best decision for yourself! We look forward to continue working with you! Thank you for choosing Freedom Debt Relief!

Jan. 18th, 2022

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Amonica Salt Lake City, UT

This was a very good decision. For less than I would be paying to all my creditors they have been settling my debt for a small amount I pay each month. This is one of the best decisions I ever made.

1 week ago

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Reply from Freedom Debt Relief

Amonica thank you for taking the time to review your experience with us! Its always great to hear that you're happy with the program and the choice that you made, to allow us to help you in your journey to financial freedom! Thank you for choosing Freedom Debt Relief.

Jan. 17th, 2022

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Anonymous Minoa, NY

I've never had any issue with my account or with calling in needed assistance. I've never had experience when I've called them for systems that wasn't resolved at the time.

1 month ago

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Reply from Freedom Debt Relief

We are glad to hear that you've never had an issue with our service. Providing our clients with the utmost level of service remains our number one focus. Please let us know how we can continue supporting your journey to financial freedom. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Dec. 15th, 2021

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Sarah Marte-Lopez Durham, NC

Freedom Debt Relief has been a breeze to work with. Their representatives are always professional and have provided good guidance throughout my journey.

1 month ago

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Reply from Freedom Debt Relief

Thank you, Sarah, for sharing your exciting feedback with us today! It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Keep up the excellent work, and thank you for choosing Freedom Debt Relief.

Dec. 14th, 2021

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Cheyenne Wilmers Marcellus, MI

It's a good move to pay off debt, however, Freedom Debt is taking more money from clients than they rightfully should. They also don't work for their clients in a timely manner for the best outcome of the clients they have.t however Freedo

1 month ago

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Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding our program, Cheyenne. We ask you to consider the following when it comes to our settlement fees. Our program payments are often much lower than the required monthly minimum from creditors, offering clients some cash-flow relief immediately along with lower costs in the long run, even when accounting for our fee. The good news is if you can afford the monthly deposit, our fees are already included! Compare our fees to the 100% debt + interest % + late fees + 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 clients pay down their entire debt - principal, fees, interest and all. Trust in knowing our negotiators will always take the first opportunity to obtain the best settlements possible. We encourage you to speak with our Client Services team to learn what options are available that would allow you to accelerate your Graduation Path. Client Services is available 7 days a week to support your financial needs. Your feedback is valued. Thank you for trusting Freedom Debt Relief to serve your financial needs.

Dec. 14th, 2021

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Jamilla

I rate them so high because the customer service is top notch. There is someone there that will always answer your questions, and they don't make you feel bad for needing their services.

1 month ago

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Reply from Freedom Debt Relief

Making sure our clients feel well-supported remains our number one focus. We appreciate your amazing feedback, Jamilla! It's great to hear that we are always able to answer any question or concern you may have. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Dec. 14th, 2021

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Matt Ellsworth Wellesley Hills, MA

Freedom Debt Relief has been great to do business with. They let you know everything you need to do to get debt free. They contact you when they can settle a debt before they do anything. I would recommend Freedom Debt Relief to anyone that is having a hard time with debt

3 weeks ago

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Reply from Freedom Debt Relief

Matt, thank you for taking the time to review your experience with us! Its always great to hear that you're happy with the program and the choice that you made, to allow us to help you in your journey to financial freedom! Thank you for choosing Freedom Debt Relief.

Jan. 6th, 2022

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Carolyn Steger Oxford, NC

My experience has been very positive. Was confused about communications by creditors contacting me by mail about settlement discussions which had not been made by me with them, and unanticipated given my contacts with FDR, however.

3 weeks ago

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Reply from Freedom Debt Relief

Carolyn, thank you for reviewing your experience! We understand that the beginning of the program may be a little confusing, we ask you not to worry and to please contact us with any questions that you may have! We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or [email protected] if you have any questions or comments regarding your account. Thank you for being a valued client of Freedom Debt Relief!

Jan. 6th, 2022

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Lisa Garza Holland, MI

I am enjoying working with Freedom Debt Relief, they are a wonderful group of people to work with during this difficult time in our lives. The staff has been there whenever I have had questions and I have had many. They have always been available and ready to assist me in many matters concerning my debt. I highly recommend Freedom Debt Relief.

4 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Lisa. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Please let us know how we can continue supporting your journey to financial freedom. Thank you for being a valued client of Freedom Debt Relief!

Dec. 30th, 2021

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JOHN M GEIGER Philadelphia, PA

Freedom Debt Relief has been a life saver. They take the worry out of dealing with high debt with a program that allows you to deposit a monthly amount to them to work thru negotiating and paying creditors. Although I still have some time before all is resolved, I am getting control of my debt and can't be happier. Anyone looking to resolve debt in a non-hassle / non-worrisome environment should look no further then Freedom Debt Relief. Class A+++ Company, Thank You!!!

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, John. We're so happy to hear how much we have helped alleviate the stress you were experiencing. Thank you for being a valued client of Freedom Debt Relief!

Dec. 20th, 2021

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Marquis Kornegay Monroe, NC

Signing up with freedom was the best decision I ever made. I never knew getting out of debt, and going through litigations could be a smooth process, ONLY if you commit to your schedule payments and increase deposits whenever you are able to. Yes, there can be tough times with some settlements, but with a little patience and help from the consultants, it is better than going at it alone!!

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Marquis. Its always great to hear that you're happy with the program and the choice that you made, to allow us to help you in your journey to financial freedom! Thank you for choosing Freedom Debt Relief.

Dec. 20th, 2021

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Nathan Bonner Chicago, IL

Freedom Debt program has been everything it promised. It sucked loosing all the credit cards on the program, and the card creditors aren't being honest on reporting to the credit agencies, so it has affected my score and limited me on options. In the end it'll be debt free and back on track, as long as I don't end up jobless. Saving over 30% off my debt and not dealing with interest, after loosing 2 jobs that started this fiasco, definitely is better then the alternatives.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Nathan. Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. Thank you for being a valued client of Freedom Debt Relief!

Dec. 20th, 2021

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Darlene Lewis Roseboro, NC

So grateful for their program. They thoroughly explained the program and stay in constant communication about my progress. In just a few short months, they have resolved a good part of my debt at a much lower amount than my original balances. I have and will continue to highly recommend this program to my family and friends. Freedom debt relief has not only found financial relief for me, they have eased my worries about my future. The assistance and education they provide has changed my life.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Darlene. Rest assured you are in good hands and we're working hard to obtain great settlements on your accounts. We want to make sure we're not just settling your debt but also being able to reduce your debt. Thank you for being a valued client of Freedom Debt Relief!

Dec. 6th, 2021

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Lucille Crawford Columbus, OH

My experience with Freedon Debt Relief is I'm treated with consideration given my personal struggles to maitain an open mind on this journey I have chosen to overcome. With the help of Freedom Debt Relief, I have a mind set that is stress free, and they assure me that we, and I can get through this tough situation completely. It has shown me a better way to manage my finances as to not put myself in a situation where I cannot remedy by myself.

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Lucille. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for being a valued client of Freedom Debt Relief!

Dec. 1st, 2021

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Papa George Archer, FL

previous to her death, my wife battled cancer for many years! After many surgeries, chemo, radiation and monthly treatments at a cancer center, I was left with a monumental credit card debt which I simple could not pay. We had used the credit cards to pay hospital, doctors and expensive treatments. I fell into deep depression. The loss of my wife left a large gap in my income. I felt hopeless! Then someone told me about Freedom Debt. I contacted them. The rest is history! They helped me reduce my debt and in a few months helped me pay off my impossible debt!

1 month ago

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Reply from Freedom Debt Relief

George, thank you very much for reviewing your experience of for sharing this with us. We're so happy to hear how much we have helped alleviate the stress you were experiencing. Thank you for allowing us to be part of your journey towards a debt-free future, and thank you for choosing Freedom Debt Relief!

Nov. 29th, 2021

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Laura Messer Hutchinson, MN

There is no such thing as a perfect way out of debt, but FDR helped me make the best out of a stressful situation. They were very transparent about what the monthly cost would be, how it would impact my credit score, the requirements to stay in the program, and the amount of time it might take to get everything settled. They helped me manage my expectations about creditor calls and how to keep on keepin' on when it got hard. I was able to put some of my Covid relief money toward my dedicated account, which sped up my settlements, and I recenetly qualified for a loan through Freedom's partner company so I could settle my very last account and start rebuilding my credit with regular payments on the personal loan in the same amount as the payments to my dedicated account. I saved some money through the settlements (even with the fees from FDR), but the most important thing for me was that they helped me create a strategy to get off the never-ending treadmill of minimum monthly payments and out of consumer debt quickly. 13 months ago, I was suicidal because I was drowning in debt, and I didn't have a plan. Now, I have hope for a future of financial security and freedom. My credit score has seen better days, but I know that it will recover in time!

2 months ago

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Reply from Freedom Debt Relief

Laura, thank you for reviewing your experience with our program. We appreciate you sharing this with us, it is our goal to assist you in every way that we can to help you through this journey. Thank you for trusting this process and rest assured you're in good hands! Thank you for being a valued client of Freedom Debt Relief!

Nov. 18th, 2021

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Joseph Leahy Ocean Bluff, MA

From my initial contact with FDR through almost 3 years in the program, I have never had a bad experience with any of the service reps. I have 9 accounts in the program and all but 1 has been resolved. They do what they say they will do. If you stick with the programmed savings deposits as required, their system works. Yes you should be prepared to take a credit score hit, but the program beats making minimum payments for the rest of your life. The $$ you are saving in the long run is substantial and you can control how fast the system works for you

3 months ago

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Reply from Freedom Debt Relief

Thank you, Joseph, for sharing your exciting feedback with us today! It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Always feel free to connect with us when support is needed. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Sep. 27th, 2021

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Dawn Taylor Walnut Cove, NC

From the first conversation you know what debts can be negotiated. So you can start organizing your finances from day one.

5 days ago

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Reply from Freedom Debt Relief

Hello Dawn, thank you for reviewing your experience! We work very hard to make sure you're fully informed of your options. If any questions come up in the future please do not hesitate to reachout to our customer service advocates. Thank you for choosing Freedom Debt Relief!

Jan. 25th, 2022

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Maria Phoenix, AZ

I was hoping that they would decrease my debt by 70 percent but for the most part it was around 50 percent. I am hopeful that the upcoming settlement would be a much satisfying deal otherwise no complaints for now.

1 week ago

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Reply from Freedom Debt Relief

We appreciate your understanding and patience, Maria. Our goal is always to save our clients 50% or more on settlements and from it looks like, that is what we are doing with you. We encourage you to speak with our Client Services team to learn what options are available that would allow you to accelerate your Graduation Path. Client Services is available 7 days a week to support your financial needs. Your feedback is valued. Thank you for trusting Freedom Debt Relief to serve your financial needs.

Jan. 21st, 2022

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ANDREW L LOPEZ Santa Fe, NM

It was an easy process they always answer right away and they keep you informed throughout each process.

3 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Andrew! We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone. Thank you for choosing Freedom Debt Relief!

Jan. 6th, 2022

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Brenda K Griswold Attica, MI

I really appreciated how FDR took over my debt management and comfortably got me through my debt irradiation.

3 weeks ago

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Reply from Freedom Debt Relief

Brenda thank you for taking the time to review your experience with us! Its always great to hear that you're happy with the program and the choice that you made, to allow us to help you in your journey to financial freedom! Thank you for choosing Freedom Debt Relief.

Jan. 6th, 2022

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Me Too Gaithersburg, MD

They're dishonest. They do reduce debt. I was asked to offer a review before I even got into the program. It costs you 22% of your debt. Total debt, not what they settled for. If they can't or won't help you get it below 50% of your owed amount, they question you for declining the offer. I applied for a loan to pay off the debt, got denied, then this company called me to offer me this program. The loan was never a real offer. After a year, they offered a loan at 25+% APR to fund the rest of this FDR account. Asking me "don't you want to do the right thing?" on the phone. I said, "sure, that's why I applied for a loan to pay off debts and your company declined me." then he had nothing to say. If I had taken it, it would've been 110% of my owed amount total.

1 week ago

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Reply from Freedom Debt Relief

Hello, thank you for your feedback. We are sorry to hear that you feel this way about our company. An account specialist will reach out to address your formal complaint. Thank you for choosing Freedom Debt Relief.

Jan. 21st, 2022

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Dennis conway McCrory, AR

Every time I call them with a question they are very professional and eager to help my plan is going smoothly and on time

1 month ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Dennis. We are thrilled to accompany your journey to financial freedom. Please let us know how we can continue supporting your every step! Thank you for being a valued client of Freedom Debt Relief!

Dec. 21st, 2021

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Shelly Lamont Phoenix, AZ

If I could give a zero I would! I've been paying money on time and y'all were supposed to contact my credit cards as my representative. I was sent a letter about my Bank of America card and asked for this to be top priority! Monday I was served with a lawsuit from BOA. I don't believe that y'all represented me at all and now I'm being sued because of your negligence of my account.

1 month ago

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Reply from Freedom Debt Relief

We never intended to disappoint you, Shelly. To clarify, we do not reach out to creditors prior to making the account a priority. We are aware that during these times, the client may be at risk for getting sued but we’re prepared to handle these types of collection strategies and have engaged a network of attorneys, the Legal Partner Network, that specialize in resolving debt litigation cases. We know that it is frustrating when creditors choose litigation as an attempt to collect on a balance. At this time, we recommend you to call our Customer Service Team at 800-655-6303 in order to begin the process to submit the documents to our legal department so that they can begin working on this account. Our Client Services team is available 7 days a week to answer any other questions that may come up. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Dec. 14th, 2021

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Michael McAvoy Roseville, CA

Very pleased with my progress and the work that gas been between FDR & my creditors. It has been a bumpy road st times on my part but feel Iam back on track to stay my graduation.

4 weeks ago

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Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Michael. Its always great to hear that you're happy with the program and the choice that you made, to allow us to help you in your journey to financial freedom! Thank you for choosing Freedom Debt Relief.

Dec. 30th, 2021

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Debbie Watruba Milwaukee, WI

Freedom debt relief have been amazing to work with!! They are very friendly and helpful and quick to respond to any concerns we have! I would highly recommend them to anyone who is looking to be debt free!!

4 weeks ago

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Reply from Freedom Debt Relief

Debbie, thank you for your review and recommendations. It's always great to hear clients share how pleased they are with our service efforts and exceptional team. Please let us know how we can continue supporting your journey to financial freedom. Thank you for being a valued client of Freedom Debt Relief!

Dec. 30th, 2021

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Kimberly Commodore, PA

This is the best program I haven’t been in it long and already have two paid accounts. I can’t wait to I’m out of debt. The staff is so friendly and helpful. I never had such great experiences with a company like FDR. I would recommend them to everyone. I’m finally seeing the light at the end of the tunnel. Thank you so much.

1 month ago

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Reply from Freedom Debt Relief

Thank you for sharing your experience with us Kimberly, we are excited to work with you towards your brighter financial future! Please reach out to customer service at (800) 655-6303 or [email protected] for any additional help you may need.

Dec. 30th, 2021