Freedom Debt Relief
9.9
Overall Score
Laken Boonville, NC
We joined FDR in 2017 and was given an estimated length of 48 months or less to graduate the program with hefty bi weekly Payments of $371. Now 2 years into the program and FDR already taking their fees of around $6000.00 we are told our graduation date is now May of 2023!!! That’s 6 years in this program!!! Definitely not 48 months or less. I’m feeling like this was a big mistake!
6 years ago
Reply from Freedom Debt Relief
We value your honest feedback, Laken. We're so sorry to hear about your negative experience with our program and sincerely apologize. We would like to review your account to better address your concerns. A member of our team will be in contact with you shortly. Thank you for choosing Freedom Debt Relief.
Jul. 10th, 2019
Jim P Avon Park, FL
I have just met the first steps in the process of utilizing the services of Freedom Debt Relief.
To this point, I've been most impressed with the process and printed material provided and customer service thus far.
6 years ago
Reply from Freedom Debt Relief
Thank you for your review, Jim! We are so happy to hear about your experience so far and glad you like the material we offer for clients. 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!
Jul. 9th, 2019
Cathe Czarnecki Grand Rapids, MI
Freedom was doing an excellent job for us until recently. There was a HUGE clerical error or information sharing that went from having a settlement and having payments and the settlement fee deducted from our account for 3 months to having a non compliance lawsuit against us. I personally called numerous times and was told by NLLG that they couldn't help us, told by Freedom that we needed to call the bank where the dedicated account is and we needed to get that information to the bank suing us and also were told to add an additional $8,000 to our dedicated account to begin the process again. After dealing with all the parties involved and authorizing the release of the funds to the appropriate institution. I was able to get resolution. It was extremely maddening and stressful. And to make matters more complex, the thousands of dollars in settlement fees were deducted in one payment, jeopardizing my payments on other accounts. We have done everything we were supposed to do and Freedom dropped the ball on this one. We were very frustrated and angry with the manner in which this situation was handled.
6 years ago
Reply from Freedom Debt Relief
We're so sorry to hear about your negative experience with your legal account, Cathe. We understand how this can be frustrating and would love to go over this in more detail. A member of our team will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.
Jun. 25th, 2019
Leonard S. Blue Springs, MO
The program is working for me, I just had my first settlement authorization done, and now I feel better that one of my claims is no it's way to been completed.
6 years ago
Reply from Freedom Debt Relief
Congratulations on your first settlement, Leonard! We're happy to hear about your progress and we are confident you will obtain financial success. 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!
Jun. 25th, 2019
LINDA MIDDLETON Oak Grove, LA
fees are too high. But, it seems that half of what I pay goes to you and not my debts. Also, I wanted to help pay off a creditor and was told that I couldn't do it . Everything must be divided between all. More money for you.
6 years ago
Reply from Freedom Debt Relief
We're sorry about your negative experience in regards to the fees collected, Linda. We will have a member of our team reach out to you to discuss your concerns.
Jun. 25th, 2019
Robert Forinash Foster, VA
Freedom has been a life saver for me they called me and I signed
up with them and they are guide me to no debit I would recommend this plan to any one that needs it
6 years ago
Reply from Freedom Debt Relief
We appreciate you recommending our services to others, Robert. Thank you so much for sharing how pleased you are with our program! Spend some time becoming familiar with your Client Dashboard at . This is a terrific tool to use when monitoring your progress. Thank you for choosing Freedom Debt Relief to service your financial needs!
Jun. 22nd, 2019
DARRELL FRYE Beloit, WI
I was told in the beginning that it would take 2 years for my credit card debt to be taken care of. So far, all that has happened is my credit score has plummeted and only one of my creditors has been contacted about a settlement. I was told my credit score would only go down for a few months. I was under the impression that all of my creditors would be contacted immediately and a portion of my monthly payment would go to each creditor. Not just paying one off at a time. This has not been the experience I was anticipating. I will not recommend this program to anyone.
6 years ago
Reply from Freedom Debt Relief
We can imagine your frustration, Mr. Frye, if our process was not clearly explained in the beginning. Yes, you are making a monthly deposit into a dedicated account and yes, we use those funds to negotiate and settle the enrolled balances. Our goal, Mr. Frye, is to save you money by negotiating settlement balances for less than the balance due. We would like an opportunity to further explain our process and advise how our program can be extremely beneficial for you. A team specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief to service your financial needs.
Jun. 22nd, 2019
Jed S Roper Saint George, UT
$13,122.00 Paid to them.
$8,315 Paid to creditors.
Lowest settlement they got was 40%, now that I'm doing it myself I get 35% without even trying. What's frustrating is they charge their fee on original debt. Where's the incentive to get a good settlement? If you're paying them to settle debts than they should at least negotiate to have creditor remove negative reports when offered 48%.
They negotiated 5 of my accounts. 2 at 48%, 1 at 45% and 2 at 40%.
The only reason I used them was to work and not worry about this stuff but I'd still get collection calls and letters. Collectors would tell me they refuse to work with Freedom... I wish I saw this review, it just didn't provide the peace of mind I thought it would and I'd have 2 big accounts paid off by now instead of just one of my big accounts due to paying freedom to settle debts at a mediocre rate, not communicate and not contact all my creditors with a game plan for the future.
Bottom line is if you have half a brain you can handle your stuff better than they can with minimal effort. Also, after paying them thousands of dollars to settle 5 accounts and removing the rest my Freedom account was closed. No summary or information for me to use to clean up my credit report. Felt kicked to the curb.
P.S. I had technical issues with their website account often.
6 years ago
Reply from Freedom Debt Relief
We're sorry to hear of the many disappointments you have regarding our services, Mr. Roper. We work constantly to improve how we communicate to our clients at every stage of their program. We also believe in always acting in our clients’ best interests. Our negotiators have years of experience getting settlements with a large variety of creditors and know which creditors to settle with first, how much debt reduction creditors are likely to agree to, and more. However, we would like an opportunity to further discuss the concerns mentioned. A team specialists will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief to service your financial needs.
Jun. 22nd, 2019
TomD Santa Cruz, CA
As many have stated, they started out great and seemed to be well worth the money. However, over the past 8 months they seem to have fallen apart. After supposedly negotiating a settlement with my Discover Card, I was informed that they had "mde an error on their end and that they would take care of negotiating a new settlement and pay any differences. The next thing I know, after dozens of calls and emails (I have the complete email chain) I get a notice from Discover at the beginning of this year (2019), right around Tax Time that they have charged off my account. This is way harder on my credit score than a successfully paid off settlement. Not only that, but when I ask if the funds collected for the Discover payoff could be applied to my one remaining credit card (a BofA) I was told "No, that will have to wait until the BofA is paid off and then you will receive a refund if one is due to you." That doesn't even make sense.
When I checked the details of my payoffs and where my money was going I saw $3 per month going to "Phone" Charges. No one ever mentioned "Phone" charges. There were other unusual payouts as well.
The offices of FDR are supposed to be in San Mateo, CA but now their website says they have moved to Phoenix, Arizona.
I have written numerous emails to one counselor, who has stopped responding way back in late April. If she has left the company, you would think that someone would at least be checking her company emails and responding to the client she had. Nothing.
In short, whatever they were, and however well things may be going for some, there are many of us who have been really hung out to dry. Supposedly I have until November before my entire account is paid off. If I don't hear from them before that, I will go to the BBB and the Consumer Protection Agency with a valid complaint. Let the Buyer beware!
6 years ago
Reply from Freedom Debt Relief
We sincerely apologize for any lack of follow up on our part. Understandably, it is frustrating when specific expectations are not met. We are also disappointed to hear of the mishap regarding the mentioned account. Providing our clients with an ultimate customer service experience is one of our top priorities. If you do not feel you have received such service, again, we sincerely apologize. We would like an opportunity to discuss the concerns mentioned with you directly. To do so, a team specialist will be reaching out to you soon. Thank you for choosing Freedom Debt Relief to service your financial needs.
Jun. 22nd, 2019
James Haralson
Very friendly and helpful getting started and are there for you when you need them. Customer service was exceptional and able to help with all my questions. A pleasure to work with.
6 years ago
Reply from Freedom Debt Relief
We're so glad to hear, James, you feel well supported in our program. Thank you for sharing the fact that all of your questions have been answered to your satisfaction. Be sure to log on to your Client Dashboard at to monitor your progress toward financial freedom. Thank you for choosing Freedom Debt Relief as your means of getting there!
Jun. 21st, 2019
Michael Arlington, TX
We have had a very good experience with freedom that believed to this point. Everyone always answers our question and answers is in a timely fashion is very professional.
6 years ago
Reply from Freedom Debt Relief
Thank you for complimenting our advocates in Client Services, Michael. It is our pleasure to provide you with the assistance needed to be successful in our program. It is also very rewarding to hear how greatly you've enjoyed your experiences with us. We encourage you to continue contacting your Client Services team anytime assistance is needed with your account. Thank you for choosing Freedom Debt Relief to meet your financial goals!
Jun. 21st, 2019
Romeo Flores Pharr, TX
I am very happy that I asked Freedom debt relief for help. Now I have peace of mind and do not have to worry about having to make so many payments. Thank You .👍
6 years ago
Reply from Freedom Debt Relief
Thank you, Romeo, for choosing our service to to become debt free! It is absolutely our pleasure to guide you to a brighter financial future. Be sure to log on to your Client Dashboard at to monitor your Graduation Path. Thank you for choosing Freedom Debt Relief. Here's to financial freedom!
Jun. 21st, 2019
Paul Ducharme Holyoke, MA
Many, many fees being added all the time. When signed up it was initial this and sign that...ZERO time to read anything. Not happy about that at ALL. But i believe in the program (and couldn't stop now, my credit score is IN THE TOILET. You said in beginning a 40-50 point hit...yeah more like 150-200 points
6 years ago
Reply from Freedom Debt Relief
Thank you so much for your honest feedback, Paul! 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. 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!
Jun. 14th, 2019
Laura Murphy Chesapeake Beach, MD
They have done everything they can to make you feel comfortable with your decisions and the are there for you when you have questions and always answer.
6 years ago
Reply from Freedom Debt Relief
Thank you for sharing your valuable feedback, Laura. Our team takes pride in being able to assist you in any way possible. 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 . Thank you for choosing Freedom Debt Relief!
Jun. 12th, 2019
Sharon Jiggetts Brooklyn, NY
I spoke to Melanie O who was excellent and she has be in contact with me since 5/30/19. She's very helpful and I can't wait to be on my way to financial freedom with FDR.
6 years ago
Reply from Freedom Debt Relief
We appreciate your kind review, Sharon, it's rewarding to hear such great feedback about Melanie! We look forward to assisting you on your journey to financial freedom. Should you have any questions along the way you can always reach out to our Client Services team. You can reach us at seven days a week at (800)655-6303 or you can reach out through your client dashboard at . Thank you for choosing Freedom Debt Relief!
Jun. 11th, 2019
Lynn Feador Rio Rancho, NM
Shortly after signing up with FDR, after experiencing several problems, I realized it was not the program for me and cancelled. I asked about a refund of the over $2,000 I had deducted from my bank account, and I was told it was paid to the creditors. When those two creditors started harassing me for payment, I called FDR numerous times and sent numerous letters, at first asking for proof these had been paid. Every person I encountered was rude and no one would help. I demanded a refund of the money I paid and I was told to get a lawyer. Two years later and still no resolution. FDR is horrible!
6 years ago
Reply from Freedom Debt Relief
Thank you for bringing your concerns to our attention, Lynn. We would like an opportunity to review your account and hopefully resolve the concerns you have. In the meantime, we appreciate your patience. Thank you.
Jun. 8th, 2019
Marsha Kenner, LA
Most of my accounts have been processed properly except the very first one, which made the account go null and void and cost me more money because it had to be renegotiated. I made numerous phone calls to get this resolved before it reached this point to no avail it was not done.
6 years ago
Reply from Freedom Debt Relief
We're very sorry to hear this, Marsha, and apologize for any frustration caused on our part. Understandably, it is frustrating to have to make mention of the same concern multiple times. Please know we would never intend to cause you frustration. We would like an opportunity to review this matter with you further and make sure all concerns have been properly addressed. A team member will be reaching out to you shortly. We appreciate your feedback. Thank you for choosing Freedom Debt Relief.
Jun. 5th, 2019
Francie Bradford, PA
They told me that they would pay on each creditor at one time and that my credit score would improve. Instead they waited 6 months and settled one small account then waited until I had my account built up, settled with the largest amount account, helping themselves to over $1,000 for their fee. Meanwhile it’s been 14 months, I have 5 accounts in a “strategic” holding pattern. My credit scores are in the crapper. I tried to apply for a reverse mortgage to pay my off my back taxes and because FDR has ruined my credit worse than it was before, I was turned down flat. The reason given was what FDR has done to me. I will probably loose the home I have lived in for the past 43 years! DO NOT GIVE THESE PEOPLE YOUR BUSINESS 🥵
Update: FDR responded to my rating, they said they wanted to reach out to me. They NEVER DID! Typical BS. In my estimation, this is further proof that these people are all talk and no action! Stay away from them!!!
6 years ago
Reply from Freedom Debt Relief
Thank you for bringing your concerns to our attention, Francie. We sincerely apologize for your negative experience and we will have a member of our team reach out to you to further discuss any questions or concerns you may have. Thank you.
May. 16th, 2019
Kare L. Port Neches, TX
It is encouraging to see your debt being reduced and eliminated without seeing the typical monthly payments that do not seem to reduce the payment balance.
6 years ago
Reply from Freedom Debt Relief
Thank you for the kind review, Kare! We work hard to negotiate great settlements for you and we’re happy to hear that you’re pleased with your savings. Keep up the great work and please reach out to us any time you have questions about your program! You can contact our Client Services team seven days a week by calling (800)655-6303 or you can reach out through your client dashboard at . Thank you for choosing Freedom Debt Relief.
May. 30th, 2019
J g Magnolia, KY
Best thing to do is give freedom debt relief a chance to help you with debt! Very professional and all their people are extremely nice and helpful.. Five stars from me.
6 years ago
Reply from Freedom Debt Relief
Thank you for your valuable feedback, J g . We strive to maintain a high level of professionalism, especially when it comes to something as serious as your personal finances. Our team looks forward to leading you to a better financial future. 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 choosing Freedom Debt Relief!
May. 29th, 2019
Angela Spring Hill, TN
Without a doubt FDR helped me see light at the end of the tunnel. To be debt free and have that burden off my shoulders ha reduced so much stress. Highly recommended
6 years ago
Reply from Freedom Debt Relief
Thank you for sharing your feedback, Angela. It is our pleasure to be assisting you in resolving your debt. Our team is thrilled to remove stress from your life through your finances. If you have any questions or concerns, our Client Advocates are here for you. They can be reached at 1-800-655-6303. Thank you for choosing Freedom Debt Relief!
May. 29th, 2019
Pam Phoenix, AZ
I’m having a hard time understanding why you don’t work faster reaching out to creditors - the person that signed me up told me I’d see positive results credit rating wise in 6 months - instead my credit score keeps going down and this is the first month you’ve reached a settlement with one creditor - and not the ones that are actively pursuing me
6 years ago
Reply from Freedom Debt Relief
We’re so sorry to hear you have had a negative experience, Pam. Could you please send us your contact information in a private message so we can look into this further and have someone contact you? Thank you.
May. 28th, 2019
Melvin J Norton Lakeland, FL
My experience with FDR is very satisfying, their team of quality experts negotiate the debts with the creditors as promised, and successfully negotiate a lower bill
6 years ago
Reply from Freedom Debt Relief
Dear Melvin,
We're ecstatic to hear your experience with our company has been overall great! We enjoy having you in the program and assisting you in becoming debt free. 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!
We're ecstatic to hear your experience with our company has been overall great! We enjoy having you in the program and assisting you in becoming debt free. 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. 21st, 2019
Paul E. Weaver
I am so happy the way you people are taking away stress from
me. , The over all service that your doing is wonderful , I am
getting better sleep at night.
6 years ago
Reply from Freedom Debt Relief
Paul, we're over the moon to hear you're completely satisfied with our company! 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. 21st, 2019
Barbara F Fox Glen Burnie, MD
I'm very happy with the results that Freedom Debt Relief has gotten for me. I would highly recommend them to anybody struggling to pay their credit card debt. Thank you!
6 years ago
Reply from Freedom Debt Relief
Thank you for your review, Barbara. Freedom Debt Relief is thrilled to take control of your debt and we would greatly appreciate if you recommended our program to your friends and family. 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!
May. 22nd, 2019
Terrie Brooks Hermitage, TN
FDR has been a Godsend for me I was in a lot of debt. Over 20 credit cards. I am over half finish . I don't have the stress of trying to pay my debt back.
6 years ago
Reply from Freedom Debt Relief
Thank you for sharing your review, Terrie. Freedom Debt Relief is very happy to assist you in becoming debt free and we are thrilled to settle your credit cards. The light at the end of the tunnel is coming soon, keep up the great work! 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!
May. 14th, 2019
Gene New Port Richey, FL
We are excited that FDR is working on our behalf to become debt free. Knowing that there is light at the end of the tunnel takes a burden off our shoulders.
6 years ago
Reply from Freedom Debt Relief
Hello Gene,
Thank you for your wonderful review. We will continue to provide world-class customer service through your completion. Keep up the great work! 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!
Thank you for your wonderful review. We will continue to provide world-class customer service through your completion. Keep up the great work! 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!
Mar. 12th, 2019
heather murray Santa Ana, CA
Its a SCAM and the fees are outrageous. You can do this yourself for FREE and get a better deal than they claim to get you. They took 15000 dollars from me and paid off 7000 of actual credit card debt. When I call them outraged they said the rest of the money went towards their "fees". They also dont disclose this upfront nor do they tell you it will destroy your credit by doing this. This will show up as a charge off on your credit report which is just as bad as a BK. Deal directly with your creditors they will give you a better deal. When I did that I saved myself 4K and could have paid off the debt in half the time. It literally took me 5 minutes to settle 24k in debt to 11K with Capital one. They ripped me off for 7500 dollars then when I cancelled they sent me an email stating that I was still liable for debts not settled through them.
6 years ago
Reply from Freedom Debt Relief
Hello Heather,
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
May. 12th, 2019
Gillian Essex, MA
I have been in the program for only a few months and they have already gotten a settlement for me...thank you FDR for helping me start to conquer my medical debt!
6 years ago
Reply from Freedom Debt Relief
Congratulations on obtaining your first settlement with us, Gillian! This is a huge milestone to have reached. You should be very proud of your accomplishments! As your journey in our program continues, please remember our Client Services team is available 7 days a week to address any concerns that come up along the way. Thank you for choosing Freedom Debt Relief. Here's to your financial freedom!
May. 9th, 2019
Katie Mayfield Fries, VA
There are absolutely the best to hve help. There are always there and can help explain everything in detail. I would tell anyone that needs help to definitely go threw them.
6 years ago
Reply from Freedom Debt Relief
Welcome to Freedom Debt Relief, Katie! We appreciate the amazing feedback you shared about your experiences with us. Please let us know how we can continue to support your debt-free journey! Thank you for choosing Freedom Debt Relief to meet your financial goals.
May. 8th, 2019
james hall Eaton Rapids, MI
I have not been with Freedom Debt Relief very long, less than a month, but They have been personable and professional every step so far. They give a wealth of information and have put me at ease in this process.
6 years ago
Reply from Freedom Debt Relief
Thank you for your positive feedback, Mr. Hall. We would also like to welcome you to our program! As your journey with us begins, please know we are available 7 days a week to address any concerns that come up along the way. We are also just a quick chat away when logged onto your Client Dashboard at . Thank you for choosing Freedom Debt Relief. Here's to your debt-free future!
May. 8th, 2019
sean Hamilton Glen Allen, VA
I apologize in advance for this lengthy and thorough review.
FirstFirst of all, I always try to give everyone the benefit of the doubt. I read reviews, and I understand that everybody's experience can differ significantly. So I was willing to follow the program to get out of his crushing debt. I work with particular clients that a bankruptcy would be viewed as extremely harmful. So I decided to take the debt consolidation route to satisfy my ability to make a living and to pay back what I could of the debt, I owed. I received a summons from the courthouse to appear for a warrant in debt. As for the protocol I immediately informed FDR of the summons and simultaneously signed up for the legal representation from the national litigation law group. The law firm was recommended to me to help with legal negotiations while FDR completed the contractual negotiations. Twenty days later and with that in a court appearance looming there has been no contact with the creditor. To me, this appears some rather odd, how can you negotiate with a creditor without contacting them in some form or fashion. During my many conversations with customer service, I was informed that I just needed to add more money to the account. The strange thing is no one can tell me how much to add to my account or what the magic number should be or if the negotiators even see a potential of settlement. I'm writing this review, not to put a wholly negative light on FDR, they have been responsive, and their customer service albeit couldn't help the was friendly and courteous, and the dashboard and the site are transparent as to monies received and General Communications. However, there is a lack of transparency as to the negotiation tactics and communication correspondence between the negotiations department and creditors. My recommendation is to keep the negotiation channels open with the creditors and subsequently allow FDR to work in conjunction with your efforts.
6 years ago
Reply from Freedom Debt Relief
Dear Sean,
We’re sorry to hear about the trouble you have had with the program thus far. We never want our clients to feel that their questions or concerns are not being addressed. Our clients are our top priority and ensuring they feel confident in the program. We would love the opportunity to discuss your review and resolve the concerns you are having. A member of our team will be reaching out to you for further assistance. We really appreciate your time!
We’re sorry to hear about the trouble you have had with the program thus far. We never want our clients to feel that their questions or concerns are not being addressed. Our clients are our top priority and ensuring they feel confident in the program. We would love the opportunity to discuss your review and resolve the concerns you are having. A member of our team will be reaching out to you for further assistance. We really appreciate your time!
May. 6th, 2019
Jessica Maple Grove, MN
I wish I had known before I started this whole debt settlement process, how horrible of a process it is. If I had known at the beginning what I know now, I would never have pursued this option. It is by far the worse choice I have ever made in my entire life. I was told at the beginning of this process that it wouldn’t take more than 3 years to settle and resolve all my debts and now i’m being told it could take at least 4 1/2 years. Who wants to go thru this kind of craziness for almost 5 years. The customer service at FDR, aren’t true customer service people, here for the clients, I have dealt with more rude comments or responses to emails than I even want to talk about. The fees that FDR charges are incredibly high and it takes way too long to settle anything. By the time this process is actually completed, I will have paid more than my beginning credit card balances were in full. As a client, we should be told up front how long it really takes to resolve these debts and it should be the 200% truth. Promising a client it will be solved and done in 3 years and then being told a year into the process it might actually take almost 5 years is completely unacceptable. If I had been told up front it would take 5 years, I would have told them they are nuts and never agreed to it.
6 years ago
Reply from Freedom Debt Relief
We sincerely apologize for any frustrations caused on our end, Ms. Brooks. Please know our intent was not malicious in regards to the amount of time it takes to complete our program. Yes, our program takes about 3 1/2 to 4 1/2 years to complete. However, there are ways to accelerate the program. Factors such as the amount of debt enrolled, the monthly deposit amount and the creditors enrolled all directly impact a client's Graduation Path. There is simply no way for us to be able to determine exactly when a client will complete our program. However, our Certified Debt Consultants can provide an estimated graduation date, based off of past experiences and the rapport we have with the enrolled creditors.
With regards to our fees, we ask that you please consider the following. Compare our fees to the 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 would not mind, we would like an opportunity to speak with you and attempt to resolve any other concerns you may be having at this time. One of our team specialists will be reaching out to you shortly. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.
With regards to our fees, we ask that you please consider the following. Compare our fees to the 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 would not mind, we would like an opportunity to speak with you and attempt to resolve any other concerns you may be having at this time. One of our team specialists will be reaching out to you shortly. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.
May. 2nd, 2019
Jackie Birmingham, AL
Started great but now my payments will go past what they told me when I signed up and I keep getting summonses for accounts that have not been negotiated yet. Also the fees they are taking make the total I have to pay about the same as the amount I started with so really not much in savings
6 years ago
Reply from Freedom Debt Relief
We appreciate your honest feedback, Jackie. If we are understanding you correctly, it sounds like you have concerns about the length of your Graduation Path. There are many factors, such as the monthly deposit amount, the enrolled creditors and the total amount of debt enrolled into our program that impact the amount of time it takes to graduate. That is why our Certified Debt Consultants provide an estimated graduation date; based off of past experiences with the creditors and the amount of debt enrolled. However, there may be opportunities for you to accelerate your Graduation Path and graduate sooner than anticipated. One of our knowledgeable advocates in Client Services would be more than happy to review these options with you. Feel free to reach out to us at (800)655-6303 or via email at when time permits to review all options available. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.
May. 2nd, 2019
Linda Ypsilanti, MI
Everyone that works there are great sometimes I feel like I'm being rushed. When I call in for an answer...maybe it's me But overall it's a great place to work with
6 years ago
Reply from Freedom Debt Relief
We always enjoy hearing great feedback about our representatives, Linda! We're so pleased to hear that you had a wonderful experience when you called in! Please continue to reach out to us when you have questions about your account, simply call (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!
Mar. 12th, 2019
Babyshae Lawrenceburg, IN
So far so good! One thing I don't like is the expensive fees u all charge per account. And how long its extended. Don't like the 2 year pay off agreements, let's do more 1 year or 1 and a half years.
6 years ago
Reply from Freedom Debt Relief
We appreciate your honest feedback, Babyshae. We ask that you please consider the following. Compare our fees to the 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.
When it comes to the settlements negotiated on your behalf, please consider the fact that we have years of experience getting settlements with a large variety of creditors and know which creditors to settle with first, how much debt reduction creditors are likely to agree to, and more. We create a negotiation strategy custom to your debt, your budget, and your goals and we methodically execute that strategy to get you the best settlements we can.
There are options available to our enrolled clients that will assist in accelerating their programs. To see what options are available to you, we suggest reaching out to our Client Services team at (800)655-6303 or via email at for further details. You can also chat with us live when logged onto your Client Dashboard at . Thank you for choosing Freedom Debt Relief. We appreciate the opportunity to service your financial needs.
When it comes to the settlements negotiated on your behalf, please consider the fact that we have years of experience getting settlements with a large variety of creditors and know which creditors to settle with first, how much debt reduction creditors are likely to agree to, and more. We create a negotiation strategy custom to your debt, your budget, and your goals and we methodically execute that strategy to get you the best settlements we can.
There are options available to our enrolled clients that will assist in accelerating their programs. To see what options are available to you, we suggest reaching out to our Client Services team at (800)655-6303 or via email at for further details. You can also chat with us live when logged onto your Client Dashboard at . Thank you for choosing Freedom Debt Relief. We appreciate the opportunity to service your financial needs.
Apr. 29th, 2019
WILLIAM DENNIS Essex, MD
Freedom Debt Relief is truly a friend to the average working man, they explain everything in detail and go above and beyond to resolve the stress as quickly as possible.
6 years ago
Reply from Freedom Debt Relief
Thank you for sharing, William. Freedom Debt Relief has your best interest in mind and we will continue to assist you in every way we can. 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!
Apr. 25th, 2019
ivaylo vassilev dimitrov Angola, NY
so far i have no problems with freedom debt,they notify me about new deals they make with my debtors,via phone ,e-mail or text,i assume they are doing what is possible given the circumstances.
6 years ago
Reply from Freedom Debt Relief
Thank you for the positive feedback, Ivaylo. We're glad to hear you appreciate our communication efforts. Please remember you also have several channels of communication you can use when assistance is needed on your end. Our Client Services team is available seven days a week at (800)655-6303 or via email at . You can also chat with us live when logged onto your Client Dashboard at . Thank you for choosing Freedom Debt Relief to meet your financial goals!
Apr. 26th, 2019
Timothy Picou Montegut, LA
They were very friendly,very professional,very knowledgeable,very clearly on what they do I understood very clearly and took time and answered any questions I had
6 years ago
Reply from Freedom Debt Relief
Hello Timothy,
We appreciate your review. Freedom Debt Relief will continue to provide the utmost customer service and our highly trained Client Advocates will answer any questions or concerns you have. 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!
We appreciate your review. Freedom Debt Relief will continue to provide the utmost customer service and our highly trained Client Advocates will answer any questions or concerns you have. 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!
Apr. 22nd, 2019
Tracy Becker
Best choice I could have ever made!! Very simple and they guide you every step of the way. This is not a quick fix but will help you get to the goal of financial freedom!
6 years ago
Reply from Freedom Debt Relief
Thank you, Tracy, for your feedback. You definitely made the best decision when you enrolled in Freedom Debt Relief and we will continue to assist you through your graduation. Graduation is coming soon! 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!
Apr. 22nd, 2019
Gidget Kasper Ocala, FL
FDR...provides great customer service!! They are always there for me. If I have an issue, they help resolve it and give me reassurance that everything will be ok..
6 years ago
Reply from Freedom Debt Relief
Thank you, Gidget, for your kind review! We are always eager to assist you and we are pleased to hear that you have received the utmost customer service. 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!
Nov. 1st, 2018
Mike Lankford Hobart, OK
FDR has helped to relieve not only my debt, but also my stress. I appreciate all that they do. They are very diligent in their efforts to help and keep me informed.
6 years ago
Reply from Freedom Debt Relief
Thank you for your amazing feedback, Mike. We are honored to hear our service has provided you with peace of mind regarding your finances. We are also very proud of your accomplishments with us! Please let us know how we can continue to support your debt-free journey. Thank you for choosing Freedom Debt Relief. Here's to a brighter financial future!
Apr. 12th, 2019
Julius C Philadelphia, PA
When initially enrolling in your program, Larry, the representative informed me that it would take 3 years to settle my debts. Here we are 4 years later and there has been 3 additional years tacked on. There is an affiliate company who attempted to get me to take out a loan to pay off the debt and then pay them back using the same payment amount FDR used so it appears that I will not save any money but FDR has made enough money off of me and wants their affiliate company to be able to make money off of me as well.
6 years ago
Reply from Freedom Debt Relief
Hello Julius,
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
Apr. 8th, 2019
Joyce S. Richmond, VA
I have not gotten a settlement as of yet, as it is still barely into my program; however, I'am pleased with the progressive anticipation in having two of my bills settled by August of this year (2019).
6 years ago
Reply from Freedom Debt Relief
Thank you for sharing your honest review, Joyce. Freedom Debt Relief is happy to negotiate and resolve your accounts in a very timely manner. Typically, negotiation starts within three months of enrolling in our program and we are confident you will see fantastic results. 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!
Apr. 8th, 2019
cindy isit Glendale, AZ
When I first signed up I was never told up front that the fees that Freedom charges every time they get a settlement are almost as much as the amount of debt that gets waived. So really they are not saving the debtor any money at all. I have had my largest debt in collections for over a year and that means that they are waiting for the largest one to build up to a much larger amount amount due so that Freedom gets a larger payout from the settlement. Freedom held on to a 1099 C that they had received in January from one of my creditors and did not send it to me until the very end of March. On the letter they sent with it there is no date and no date on the envelope so no way to prove they held on to it for so long. I had already filed my taxes so had to pay and additional 50.00 to have my tax return amended. When I called in to voice my frustration about my largest debt not getting negotiated after being in collections and the amount of the fees I have paid she literally said an I quote " well look at it this way, you only have 1 payment a month"!!!!!!!
6 years ago
Reply from Freedom Debt Relief
Hello Cindy,
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
Apr. 4th, 2019
James Censoprano Middle Village, NY
The people that I talked to were very clear on how the debt relief program works also sending texts keeping me informed on current status
6 years ago
Reply from Freedom Debt Relief
James, we're so happy in being able to assist you and providing you the best possible experience! 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!
Apr. 3rd, 2019
Angela L Davis Cameron, MO
I would like to have been involved in who gets settled first...as i have a credit union that could take me to court or put leins on my property..
But my opinion didn't matter ..
And your fees are ridiculous so im really not saving a entirely big amount of money by writing thru freedom debt relief
6 years ago
Reply from Freedom Debt Relief
Hello Angela,
We're sorry you feel that our program is not benefiting you when it comes to our negotiations process. We always have the best interest for our clients and we work hard to obtain the best settlements. But we also have to see which creditor is willing to negotiate right away based on the funding available in your dedicated account. We could never guarantee to our clients that no creditor will not sue that's why we offer legal protection. Not all of our clients experience getting sued by their creditors, although it is true that some creditors are more aggressive than others. We've been negotiating with hundreds of creditors over 15 years, and still, reach settlements with them. We really hope you continue to give us the opportunity to be able to assist you in getting debt free! Please reach out to our client services department at (800) 655-6303 or if you have any questions or comments regarding your account.
We're sorry you feel that our program is not benefiting you when it comes to our negotiations process. We always have the best interest for our clients and we work hard to obtain the best settlements. But we also have to see which creditor is willing to negotiate right away based on the funding available in your dedicated account. We could never guarantee to our clients that no creditor will not sue that's why we offer legal protection. Not all of our clients experience getting sued by their creditors, although it is true that some creditors are more aggressive than others. We've been negotiating with hundreds of creditors over 15 years, and still, reach settlements with them. We really hope you continue to give us the opportunity to be able to assist you in getting debt free! Please reach out to our client services department at (800) 655-6303 or if you have any questions or comments regarding your account.
Mar. 29th, 2019
Wendy Tallahassee, FL
Well, let me start by saying I am not a happy customer at this point. I have 4 accounts enrolled in the program. I feel like they deceive me from the beginning. The further into the program I get the more info I find out. First off, they say there are no fees. That is a lie. You can have a monthly deposit into your designated account of $600.00 and only $100.00 of that is paid to your creditor. The rest goes to FDR. That is every month!!
If you have a Discover card, DO NOT enroll it in this program!!! Discover does not negotiate. Once the account is charged off for lack of payment(which FDR tells you to not make payments) Discover then proceeds to sue you for the full amount owed plus attorney fees, late fees and interest. This is were the legal team that you sign up with at the beginning of the program comes into play. Again, Discover does not settle. So, now on top of my original monthly deposit I have to make an additional deposit every month of $230.00 for the next 3 years to pay Discover. If I had this kind of money to begin with I could of made the payments on my own. FDR knew that Discover does not settled. Why did they not tell me that up front?? Gee, could it be so they could get more money....
I feel this company is very deceiving. If I knew then what I know now I never would of done it. My credit is trashed now because of this. It will take years to recover. Perhaps Florida Department of Agriculture and Consumer Affairs would be interested in this. I am sure Better Business Bureau would like the information as well.
6 years ago
Reply from Freedom Debt Relief
Hello Wendy,
We are sorry to hear about the issues you have experienced with the program thus far, specifically in regards to your Discover account. When a client is in the process of enrolling in the program we take a look at which accounts we can work with and what creditors we don't. The accounts that are enrolled go through our underwriting department as they verify each account and confirm if the accounts are eligible to be enrolled. In fact, Discover does negotiate with us and we reach settlements with them on a daily base. Any creditor can proceed litigation and unfortunately, in this situation, Discover proceed to sue you. Not all of our clients experience this, although it is true that some creditors are more aggressive than others we offer legal representation in case of an event like this. We would be more than happy to speak with you to clear up any concerns you are having. Since you did not leave us your contact information we will be reaching out to you in a private message. Thank you for your time.
We are sorry to hear about the issues you have experienced with the program thus far, specifically in regards to your Discover account. When a client is in the process of enrolling in the program we take a look at which accounts we can work with and what creditors we don't. The accounts that are enrolled go through our underwriting department as they verify each account and confirm if the accounts are eligible to be enrolled. In fact, Discover does negotiate with us and we reach settlements with them on a daily base. Any creditor can proceed litigation and unfortunately, in this situation, Discover proceed to sue you. Not all of our clients experience this, although it is true that some creditors are more aggressive than others we offer legal representation in case of an event like this. We would be more than happy to speak with you to clear up any concerns you are having. Since you did not leave us your contact information we will be reaching out to you in a private message. Thank you for your time.
Mar. 28th, 2019
Jessica Sullivan Fredericksburg, VA
Oh where do I began. People please do you home work. This company has perfect customer service skills. They don't tell you the truth. Your credit will turn to complete crap... They wait for you do go into collections. If you are lucky enough they will turn around and offer you a 25.5 loan that comes out to 18k just in interest fees.
Please DO YOU RESEARCH!!!! there are better ways than this scam. I have paid them over 1,500 in the last 6 months. I have called all my credit card companies to figure out a plan to pay them down. They will agree to settle with you. Furthermore, Freedom Doesn't tell you that certain companies will not settle with them, such as Chase, Macys. They WAIT till they are in collects. DO YOUR RESEARCH AND DO NOT SIGN. Nov 8, 2017 - — The Consumer Financial Protection Bureau (CFPB) today filed a lawsuit against Freedom Debt Relief!!!
6 years ago
Reply from Freedom Debt Relief
Hello Jessica,
We're very sorry to hear you are dissatisfied with the program so far. We would like to review your account with you and hopefully resolve the concerns you are having. A member of our team has reached out to the email address associated with your review for further assistance.
We're very sorry to hear you are dissatisfied with the program so far. We would like to review your account with you and hopefully resolve the concerns you are having. A member of our team has reached out to the email address associated with your review for further assistance.
Mar. 25th, 2019
Carla Plains, MT
I've been with FDR almost a year, they've collected $5700, settled 0 accounts & allowed my smallest debt ($5200) to go into collection! I faxed mailed all collection letters asking that FDR respond before I go into collection. I'm in collection & my credit is in the toilet, lost over 300 points since joining.
"Wish I would have been better informed about how bad my credit would get during the process" a comment I agree with.
6 years ago
Reply from Freedom Debt Relief
Hello Carla,
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?
Mar. 25th, 2019
