Freedom Debt Relief

Freedom Debt Relief made enrollment fairly easy. They handle the arrangements and make it easy to settle your debts with minimal effort on your part. However they do charge a fee for each debt they settle usually a percentage of the debt enrolled which seems a little high to me in retrospect. Unfortunately I have had one of my accounts go into litigation and have had an extremely difficult time getting updates from the law firm and FDR. Information is either not notated on my account or passed along to the other party in a timely manner and FDR is not willing or able to provide specifics or transparency when it comes to where they are at in the process with the litigation account. Most of the CSR reps are as helpful as they can be without having all the information from the attorney but there are a few that are downright rude and one specifically that told me to call back and talk to someone else before hanging up on me when I asked for her supervisor. I did call back and speak with someone else who was absolutely amazing and couldn’t provide additional information but did give me a timeframe of when I could expect next steps and more transparency in the process. I’m extremely disappointed with the way this account has been handled so far but this last call has given me hope that it will be resolved soon.

I appreciate so much the lengths and accomodating that was afforded me during the tough COVID times and I had to suspend for awhile. Very thankful for all your assistance.

The list of negatives outweigh the positives of this company. Do NOT do it. I was sweet talked into going this route instead of bankruptcy and I strongly regret it. At this point I have paid too many fees and given too much money to walk away. If I had to do it over again it is a hard NO from me for FDR. Customer service is horrible, no one ever has answers for you that actually mean anything. Constantly told to check the dashboard for answers to questions, but the information is always the same. You never get to talk to the same person twice and no one ever seems to know what is going on. Oh and if a creditor decides to file a lawsuit... Good luck. You are given NOTHING as far as information. "It has been referred to our legal partner network" is the response. However the legal partner network does not communicate with you at all. Even better is that once referred to their legal partners, FDR goes hands off and you have to hope and pray it is being handled properly. I despise this company and strongly regret making the decision to use them. Creditors have reached out to me with settlement offers and I trusted the program so I denied them. Guess what..! Yes FDR settled the debt however, it was MORE than what I could have settled it for myself.

I like that they help me by consolidation my bills into one payment that made things affordable for me to maintain my finances and get back on track with my life.

I enrolled in a 4 year debt reduction program with Freedom Debt Relief in February of 2018 with a monthly payment plan. October of 2020, I paid off the total balance of the estimated debt including estimated fees to settle the remaining debts. It is now October of 2021 and the debt's are now settled. FDR actually removed a unsettled debt without my knowledge nor authorization. I have exchanged 38 emails with FDR since October 2020 and continue paying service fees monthly to FDR. This is effecting my credit and continues to waste my time. I'm very disappointed with Freedom Debt Relief! I DO NOT RECOMMEND FREEDOM DEBT RELIEF.

FREEDOM DEBT RELIEF was a big help! My husband and I were suddenly on disability with credit card debt to pay. They helped us arrange a plan to fit our limited budget!

Best in that they customized my program for me and my bills. They keep me in the know and are ALWAYS timely in notifications for settlements and in my current status.

Everytime I call, customer service has been excellent! Everyone is so friendly, helpful , professional and always take care of whatever issues I have.

I was targeted by Freedom Debt Relief back in November of 2020 during the peak of COVID. Like many other Americans, who were facing unemployment, eviction from their homes, and the fear of how to feed their families. This company targeted me based off of my overwhelming credit card debt and unmanageable interest rates. I was in a deep hole with my credit and unable to get a loan to consolidate everything and this company offered me hope. They promised to be my partner and to help lessen my debt. I was at my worst, and my credit card minimum payments had reached more than my rent but I was still paying all of my cards on time and my credit was in good standing. This company convinced me to stop all payments, assuring me that once they reached a default status they would quickly settle out my debts to lower them and that my credit would be impacted but I would be able to rebuild as I promised to get me out of debt "quicker." I agreed, they presented a "plan" that they put together selling me on the idea of being completely out of debt within 4 years if I made all my deposits. My deposits of $620.00 was half of what I had been paying in my monthly payments. I was convinced that these people wanted to help me. As months went by my credit got worse and worse as I was told this was a good thing. That being in default gave them more leverage to negotiate my settlements. Trusting this company and allowing for them to continue to keep me in a default status only put me in a more compromisable position. I have no credit, my credit history is now completely destroyed as I took their guidance and all my accounts are in default and now charged off to collection agencies. To extort even more money from you, this company claims to partner with a sister company called "Consolidation Plus." PLEASE if you are reading this PLEASE PLEASE do NOT work with them. I am glad I had this call with their representative Seyhan. It was clear while I was on the call she was reading a script and the call was a sales call. She made it sound like this was a great program to consolidate my debt to have everything paid off and for my credit to bounce back quicker. I was in a panicked state now, I have no credit, my credit history is ruined and I am a single mother with no options to even rent a home. Seyhan threw the BIGGEST punch to my stomach, when I found out not only that Freedom Debt Relief had only paid $1,370 to my creditors and that they collected $3,316 in fees before ANY of my debt had been resolved. She then to add more pressure into me signing their loan agreement told me my monthly payments would be $950 ($330 more than my FDR deposits) and that Freedom Debt Relief had extended my program from 4 years (the number they assured me I would be debt free by) to and additional 2 years, putting me at 6 years and adding an additional $14,880.00 on to my payments. I sat in my living room feeling consumed with fear, tears and regret. I have been so stressed and out of my mind with fear of what to do or what I would do if I lost my home. What will I do when I need to buy a new car? What am I going to do? I started feeling numbing in my face and have had the fear of a stroke. I've been under so much stress. I am begging you to please, do not put your trust within this company. I am not going through legal routes to recoup my money as this company is not compliant with the Federal Trade Commission and they are NOT in the business of helping you. They make you apply to see if you qualify for a "financial hardship" to be offered this program as a sales tactic to insert fear of losing out on an opportunity. It's a sales and psychology tactic that sickens me to my stomach. There are millions of Americans facing my exact reality and this company is praying for Americans in their weakest moments. Some at their absolute worse, who feel like they have NO other solutions and they are extorting money from the most broken. It makes me sick and I am beyond sick and mad at myself for trusting this company. If anyone is reading this who knows of an attorney or anyone who can help please help.

Well Im very happy with the progress so far looking forward to the finish line they are very helpful if I have questions they answer are give me the best resolution

Quick and easy to get started. The entire process is explained, you have a client dashboard to see the progress, and they are alway ready to answer questions.

recently not much ! I spoke to 2 folks the first told me to add more funds to my account that I had payed the last two months . The second would find the glitch that she and her supervisor had never seen before and she would call me back. She never did . The glitch was on Freedoms part the had put a block on the funds so my account holder could not pay my debtors .

Its a outstanding program and so far Excellent Job helping me become Debt Free at an affordable pace witch is a big Stress relieve and paying off all your debt ,Thank You!!

The process was easy and easy to understand they help you all the way you are never alone in the process of solving your debt. I highly recommend Freedom Debt Relief.

They are understanding of your situation, they work with your needs, keep you informed and their for you when you have questions. Would recommend hem to anyone.

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.

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

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

The customer service is always friendly and they have always answered my questions in a very satisfactory manner. I trust that they are handling my account competently.

Well it was pretty straight forward. I followed what the freedom debt relief team advise me to do and everything went well. They helped me get control of financial life.

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

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

Finally a chance to get out of debt with the help of some very knowledgeable and pleasant people. It was rough at first but now on the right track to freedom.

For the moment they are doing a great job, I am very impressed with the result. Still have a long way to go, but so far everything is looking great as they promised.

Have cut my debt in half and are always extremely helpful and were very accommodating during my struggles with being unemployed due to COVID. Si glad I signed up

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

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

It’s been a smooth and effortless experience working with the team at FDR! The folks in the home are all pleasant, professional and helpful! I coins to be more happier!

Freedom Debt Relief is doing a good job of resolving my debt but it seems like it is taking a long time. So far they have only resolved one but they keep working to resolve the rest. Thanks FDR.

I like that they took care of everything. When I was sued by one of the credit card companies, I just scanned the documents, emailed them and that was it.

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