Name: Freedom Debt Relief
Rating: 4.7

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Andy Wasif Sharon, MA

They have helped me immensely. And they have kept me informed of the process every step of the way. Plus, the settlements have saved me thousands.

5 years ago

Reply from Freedom Debt Relief

Andy, we are so happy to hear how we have positively impacted your financial situation. Our negotiators work hard to get you the best possible savings. If you ever need assistance on your account please call Client Services at (800) 655-6303. Thank you for being the best part of Freedom.

Jul. 16th, 2020

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Linda Panza Brooklyn, NY

Always willing and able to work out whatever issues arise, Customer service is always willing to help and accommodate in all aspects of the company.

5 years ago

Reply from Freedom Debt Relief

Linda, we are over the moon to receive such stunning feedback! We strive to make each interaction that positive. We understand that we make mistakes but we will do everything we can to do our best and improve your experience. If you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for letting Freedom Debt Relief be your partner on your journey to a debt-free future.

Jul. 22nd, 2020

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Tracey Oklahoma City, OK

They changed our lives! As soon as we enrolled the nightmare cycle was over and they have taken care of everything. Life saving!

5 years ago

Reply from Freedom Debt Relief

Thank you for your thoughtful review, Tracey. Our program can provide a great deal of relief especially when your funds are tight and not able to keep up with your minimum payments with the creditors. We strive to find solutions to resolve your debt. If you have any questions please call 800-655-6303. Thank you for choosing Freedom Debt Relief.

Jul. 22nd, 2020

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wendy matlock Lake Saint Louis, MO

way too slow! I paid off half of them myself by calling and making arrangements myself. You can totally do this yourself! Ruins your credit! Have to pay taxes on what you did not pay and their fee is ridiculous! Don't do it!

5 years ago

Reply from Freedom Debt Relief

Wendy, we are so sorry to hear that you are not pleased with the services that we have provided. We are always working to improve our process and our client's experience. We would like an opportunity to discuss the mentions concerns with you. A member of our team will be reaching out to you shortly. Have a great day.

Jul. 16th, 2020

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Bill Willetts Reno, NV

My only complaint so far is that you now claim California community credit account is not in my program when I know it was there at the start and I have sent pictures of every communication with them and now this

5 years ago

Reply from Freedom Debt Relief

Bill thank you for bringing this to our attention. We would like an opportunity to discuss the mentioned concerns with you. One of our experienced team members will be reaching out to you shortly. We truly appreciate your review. Thank you for choosing Freedom Debt Relief.

Jul. 22nd, 2020

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Donald M May Detroit, MI

I have found the company to be of great help in reducing the amount owed and setting up a payment plan for my creditors.

5 years ago

Reply from Freedom Debt Relief

Thank you for taking the time to share with us, Donald. We strive to fight for the best settlement. Depending on our strategy we processes lump sum payments or settlement payments over a period of time. Keep up the great work and please reach out to us anytime you have questions about your program! You can contact our Client Services team seven days a week by calling (800) 655-6303 or email support@freedomdebtrelief.com. Thank you for choosing Freedom Debt Relief!

Jul. 21st, 2020

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Karen Elston Council Bluffs, IA

Freedom debt Relief knocks off all the interest rates to reduce the amount to pay for credit cards. It's an wonderful program they have.

5 years ago

Reply from Freedom Debt Relief

Karen, thank you for the great review! We are glad you are satisfied with the savings of the program thus far. We can't wait to see you become debt-free! Remember to utilize your Client Dashboard to check for updates and alerts concerning your program. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jul. 21st, 2020

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Luella R Hawkins Seattle, WA

Very attuned to my wishes. Fast on making agreements. Nothing negative to say. It's been a very good experience for me. Relief from a lot of stress.

5 years ago

Reply from Freedom Debt Relief

Luella, we appreciate your generous feedback about our company! We not only want to ensure our clients receive debt relief but also stress relief when dealing with their finances. Do not hesitate to reach out to Client Services if you ever have any questions at (800) 655-6303. Thank you for being the best part of Freedom Debt Relief!

Jul. 21st, 2020

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Cubniner New Port Richey, FL

The salesman lied to me. When I asked a manager to listen to the recording in which the salesman lied, I was told that he would listen would and he will get back to me. That was another lie.

5 years ago

Reply from Freedom Debt Relief

We are very disappointed to hear you feel you've been misled in any way. This is certainly not the experience we'd prefer for you to have. It seems there may be some unresolved concerns on your end and we would appreciate an opportunity to speak with you further concerning them. One of our account specialists will be reaching out to you shortly. Thank you for voicing your concerns with us today and for choosing Freedom Debt Relief.

Jul. 1st, 2020

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Brian Murph Norcross, GA

FDR was the best decision for us to work on getting out of debt. They helped to reduce our overall payout and saved us a lot of money.

5 years ago

Reply from Freedom Debt Relief

Hi Brian! Thank you for your feedback. We are happy we can assist you in reaching your financial goals of becoming debt-free. If you ever have any questions or concerns, please do not hesitate to contact us at 1(800)655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 30th, 2020

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Leslie Duroseau Brooklyn, NY

Overall my experience with Freedom Debt Relief is positive. Their customer service is awesome. The handling of court cases by their legal team is exceptional.

5 years ago

Reply from Freedom Debt Relief

Leslie, we appreciate you sharing your thoughts about our services. We are so thrilled to have another satisfied client.Thank you for letting us be your partner on your journey to a debt-free future.

Jun. 27th, 2020

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Mary Solomon Los Angeles, CA

I just let them do their thing and don't have to be harassed by creditors. It is peace of mind to know debts are being solved.

5 years ago

Reply from Freedom Debt Relief

Mary, thank you for your feedback. We understand how dealing with creditor calls can be frustrating. So we are glad that we can provide you with resources to help you in these situations. Please call Client Services at (800) 655-6303.

Jun. 27th, 2020

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Sydney Adams Groveland, FL

So far things are great! We have our first settlement of four and we are super excited to finally have this burden off our shoulders.

5 years ago

Reply from Freedom Debt Relief

Sydney, we are so happy to hear about the success you have had thus far! We truly care about our clients and we work hard to build a relationship with them so they can be as comfortable as possible while in the program. If you ever need our assistance please call Client Services at (800) 655-6303.

Jun. 27th, 2020

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MICHELLE PLAYER St Louis, MO

I like that I’ve only been in the program 4months and they’ve already settled 2 of my accounts, I love how I am kept up date.

5 years ago

Reply from Freedom Debt Relief

Congratulations, Michelle! We are so happy we could help assist you in obtaining the financial future you so well deserve! Remember to check your progress on your Client Dashboard or contact Client Services at 1-800-655-6303. Thank you for choosing Freedom Debt Relief.

Jun. 14th, 2020

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Debbie Traylor Baton Rouge, LA

Make it easy for to to erase dept. Always there with live person when you call. Keep you up to date with progress. Call them today and sign up.

5 years ago Edited September 14, 2021

Reply from Freedom Debt Relief

Hello, Debbie! We appreciate you taking the time to leave us a review. 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. If you have any questions, please give us a call at 800-655-6303. Thank you for choosing Freedom Debt Relief!

Jun. 2nd, 2020

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Kalli Rapid City, SD

Extremely helpful! Quick and efficient they were a great help getting everything started and helping answer all of my questions.

5 years ago

Reply from Freedom Debt Relief

Thank you, Kalli! We are so glad we could answer all your questions along with helping you reach your goals of financial freedom. As you continue, utilize your Client Dashboard to check for updates and alerts concerning your program. Thank you for letting us be your partner on your journey to a debt-free future.

May. 31st, 2020

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Joel Cudworth Greensboro, NC

I could not be more pleased with the way FDR has handled my situation. Completely profesional and caring. Thank you so much !

5 years ago

Reply from Freedom Debt Relief

Joel, thank you very much! We really care about our clients which is why we work hard to obtain the best deals possible on your behalf. Please feel free to lean on us and to reach out to Client Services if you ever have any questions at (800) 655-6303. Thank you for being a valued client of Freedom Debt Relief!

May. 31st, 2020

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Bernie Alleman Akron, OH

I don't like anything about this company. I cant wait until im done the only person that made out on this is Freedom. I don't see where I saved anything. I was in a tough spot and thought this was a solution. I'm going on 5 years paying $659 a month. I should of filed bankruptcy. I wake up everyday thinking what a bad mistake this was. you can email me back or call me but I was mislead by your sales team for financial gain. I understand I hired Freedom at will but never again.

5 years ago Edited September 14, 2021

Reply from Freedom Debt Relief

Thank you, Mr. Alleman, for voicing your concerns with us today. We're sorry to hear how disappointed you are with the outcome of using our service. Our goal is to save our clients as much money as possible by negotiating the best settlements possible on their behaves. If you feel our program has been a disservice to you, again, we sincerely apologize. We would like an opportunity to speak with you further regarding the concerns mentioned. A member of our specialist team will reach out to you shortly. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Jun. 1st, 2020

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MeaLux Avenel, NJ

I have only been with the program for about 6 months, but they have been awesome so far :) Easy to work with and make the process smooth

5 years ago

Reply from Freedom Debt Relief

It sounds like you are off to a good start with us, MeaLux! We are glad we could provide an affordable solution when handling your finances. We look forward to guiding you to a debt-free future. Do not hesitate to reach out to Client Services if you ever have any questions at (800) 655-6303. Thank you for choosing Freedom Debt Relief!

May. 28th, 2020

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Megan Christeson Pierce, NE

Took a ton of weight off my shoulders. Saved me from bankruptcy. S o easy to participate in. The very best consultants. Just a wonderful experience.

5 years ago

Reply from Freedom Debt Relief

Thank you for your exciting feedback, Megan. We like to consider our program as an alternative solution to bankruptcy. Hearing that we provided this same alternative for you is amazing! Our Client Services team is available 7 days a week to address any concerns that come up. Thank you for the opportunity to serve your financial needs. Here's to your debt-free future!

May. 22nd, 2020

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Dawn Nixon Bridge City, TX

Everything has been good. They have been super helpful and anytime anything needs my attention they are good to get in contact with me.

5 years ago

Reply from Freedom Debt Relief

Thank you for your review, Dawn. We're proud of what we do and we look forward to assisting you in becoming debt-free. As we continue your journey, please remember to utilize your Client Dashboard. Thank you for choosing Freedom Debt Relief!

May. 15th, 2020

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Grammie Ty McGee Cleveland, OH

Well they have taken so far 2vyears longer to resolve my debt than what was predicted. They have said I have no more deposits to make but continue to take out money and after being 2 years late on resolving debt all of my debt us not resolved. You can believe they are making their money off each client. When I ask about my account all I get us a generic answer meant for everyone not my account. Amazing NO. They only thing amazing is how they fool you and take from you. My debt could have been paid on its own quicker than this company helps you.

5 years ago

Reply from Freedom Debt Relief

We appreciate you voicing your concerns with us, Ms. McGee. We understand our negotiations process takes time and requires the patience of our clients. We know the relationship you had with your creditors is important to you. Our goal is to satisfy your enrolled balance as quickly as possible. Please remember to visit your Client Dashboard. Thank you for choosing Freedom Debt Relief!

May. 15th, 2020

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Richard Mcclendon Arlington, TX

Its peace of mind knowing that all I need to worry about is making my payments on time and that you guys are handling the hard work

5 years ago

Reply from Freedom Debt Relief

It is a pleasure, Mr. Mcclendon. We're glad to hear our service has eased your concerns. Our Client Services team is always more than happy to answer any questions that come up. We can be reached 7 days a week by calling (800) 655-6303. Thank you for choosing Freedom Debt Relief.

May. 11th, 2020

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Raul Rodriguez Reading, PA

I have experience that freedom debt relief is a hassle free enterprise and the name it's self stand for what it advertise.

5 years ago

Reply from Freedom Debt Relief

We appreciate your feedback. Thank you, Raul, for sharing your experiences with us. Hearing how much you've enjoyed using our service is truly rewarding. We hope to continue providing a supportive and caring atmosphere as you make your way toward financial freedom. Thank you for allowing Freedom Debt Relief to be your guide!

May. 11th, 2020

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Arlanda Tomlinson Hyattsville, MD

I’m just getting start with FDR and already they settled on one of my outstanding debt. Thank you so much for being an assistant to me FDR!

5 years ago

Reply from Freedom Debt Relief

Congratulations, Arlanda! We're so excited to hear you've obtained your first settlement. Awesome work! As you continue your debt-free journey, please let us know how we can continue supporting your every step. Thank you for allowing Freedom Debt Relief to be your guide to financial freedom.

May. 11th, 2020

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Cole Edgewood, MD

They stand behind their word and have ur back the whole time. U can ask them any questions and get an answer from everyone.

5 years ago Edited September 14, 2021

Reply from Freedom Debt Relief

Thank you for your review, Cole! We are glad we can assist you in becoming debt-free. We will be here every step of the way, so if you ever have any questions or concerns, please do not hesitate to reach out to us at 1(800)655-6303. Thank you for choosing Freedom Debt Relief!

May. 7th, 2020

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Dave Singer Carnegie, PA

I like how you my debt and cut it in half to help me get my debt paid off and there is nothing I don't like about it so far

5 years ago

Reply from Freedom Debt Relief

Thank you, Dave! It is our pleasure to provide you with a fast and effective service to the financial future you desire. Remember to track your success online through your Client Dashboard, since it's a great tool to stay up to date on your progress. Thank you for being a valued client of Freedom Debt Relief!

Apr. 30th, 2020

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MaryKay Deroba Shamokin, PA

It was a slow start , but very appreciative of the progress being made. Even when my dedicated amount was not up to par for emergency reasons. TY mkd

5 years ago

Reply from Freedom Debt Relief

Hi MaryKay. We are glad you are pleased with the results provided so far from the program. Just remember a lot of times, our ability to obtain settlements is dependent on growing sufficient funds to settle the debt. If you need any assistance in the future, reach out to us at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Apr. 30th, 2020

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Eddie Clay ,

Quick responses to my questions, fast getting my account and Dashboard set up. Quick response to my Small Claims order by collection agency on behalf of USA Bank

5 years ago

Reply from Freedom Debt Relief

Eddie, we appreciate your kind review. We are pleased to hear that you have had success with our services thus far, and if you ever have any questions or concerns please call Client Services at (800) 655-6303.

Apr. 29th, 2020

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Pwtty Jupiter, FL

Haven’t had anything happen yet.., kind of soon to be seeking a stellar review. I did need some info quick and got 0 response to my text... felt stressed and alone.

5 years ago

Reply from Freedom Debt Relief

Maryanne, thank you for your kind review. We are glad to hear that you are finding your Dashboard to be useful. If you ever need our assistance please call Client Services at (800) 655-6303. Thank you for being the best part of Freedom.

Apr. 25th, 2020

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Angie Williams Los Angeles, CA

All questions asked was answered with my satisfaction. Staff were very patient answering my questions, very knowledgeable and dependable.

5 years ago

Reply from Freedom Debt Relief

Angie, we are so happy to have yet another satisfied client. We strive to always communicate will with our clients. If you ever have questions or concerns regarding your account please call Client Services at (800) 655-6303.

Apr. 25th, 2020

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Donna Hernandez Los Angeles, CA

I'm happy with how quick the process has been! Everyone is cert helpful and I love the tips they send out to reinforce good credit decisions.

5 years ago

Reply from Freedom Debt Relief

Donna, thank you for your genuine feedback! We are glad we could be helpful to you during this time. Please reach out to us if you have any questions in the future at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief.

Apr. 23rd, 2020

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Chelsea Rhodes Houston, TX

I'm very excited and very satisfied with the progress we've made on our settlements! My husband and I finally see a light at the end of the tunnel!

5 years ago

Reply from Freedom Debt Relief

Chelsea, thank you for the great review. We are thrilled to hear the program has positively impacted you and your families finances. We can't wait to complete you from the program so you can be officially debt-free. If you ever have any questions, please reach out to us at (800) 655-6303 or jump on your Client Dashboard. Thank you for being apart of the Freedom Family!

Apr. 23rd, 2020

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Karen Fraser West Lafayette, IN

Initially spoke with them almost two years ago; happy I am almost done. They work hard to ensure you can keep your financial obligations.

5 years ago

Reply from Freedom Debt Relief

Karen, thank you so much for sharing your feedback! We are overjoyed to see you come so far, and we can't wait until you reach your graduation path of becoming debt-free! Let us know if you need anything, our team of professionals can be reached at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief

Apr. 22nd, 2020

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Johnnah Boss Pampa, TX

Everything has been easy. Easy to file, easy to understand the process, easy to approve debt relief as it comes. I have no complaints so far

5 years ago

Reply from Freedom Debt Relief

Simplicity is key to understanding, Johnnah! We're so glad to hear we were successful in simplifying your enrollment process. Making sure our clients feel supported and valued is our number one priority. Please let us know how we can continue supporting your journey to becoming debt-free. Thank you for allowing Freedom Debt Relief to be your guide.

Apr. 21st, 2020

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S Alvarez Antioch, CA

FDR has done an amazing job helping me get out of debt! I love how much they kept me informed every step of the way! Thank you so much!

5 years ago

Reply from Freedom Debt Relief

Thank you for the amazing feedback! We're thrilled to hear how pleased you are with our communication efforts. However, if any questions or concerns come up for you, always feel free to reach out for assistance. We're available 7 days a week to support your needs. Thank you for being the best part of Freedom Debt Relief.

Apr. 21st, 2020

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Paul Lukas Worcester, MA

I am more than satisfied with Freedom Debt they have been Thorough fast and corteous I would highly recommend them to anyone

5 years ago

Reply from Freedom Debt Relief

Paul, thank you for a kind review. We are so happy that you choose Freedom to be your debt settlement company. If at any time you need our assistance please call Client Services at (800) 655-6303.

Apr. 17th, 2020

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Marissa Wright-Williams Keller, TX

I am very please by how Freedom Debt Relief has handled my debt. Very thorough and the creditors don't call anymore!! Way to go!

5 years ago

Reply from Freedom Debt Relief

Marissa, we are so glad to hear that you are pleased with the services that we have provided to you. We are confident in your success here with Freedom. If you ever have concerns please call Client Services at (80)) 655-6303. Thank you for choosing Freedom Debt Relief.

Apr. 16th, 2020

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Christine Paul San Diego, CA

I'm so glad I signed up for this. I am now in the C+ program as my accounts have been settled. Highly recommend this plan to anyone in debt.

5 years ago

Reply from Freedom Debt Relief

Congratulations, Christine, on successfully obtaining financial freedom! It's been an honor to be a part of your journey. Thank you for sharing the positive experiences you've had. We wish you the absolute best! Thank you for choosing Freedom Debt Relief.

Apr. 15th, 2020

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S Jago ,

Credit score tanked, Debt DOUBLED due to late fees, now I owe all debt to you all. Couldnt you have just offered the loan option from the begining instead of letting my credit score drop 120 points over 8 months. I wouldve paid you whatever for lump pymt. Now I have a credit score of 450 after being with you all for 9 months. Thanks.

5 years ago

Reply from Freedom Debt Relief

We're sorry to hear about your experience. Please know we never intend to make the process more difficult for our clients as our main goal is for you to become debt-free. Please provide us with a phone number or email address associated with your account so that we can discuss your concerns. Thank you for choosing Freedom Debt Relief.

Apr. 15th, 2020

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Ruby Turner Omaha, NE

What I like best is they handle things and they let me know as soon as it is been paid or paid off. I appreciate the job you do. Thank you FDR.

5 years ago

Reply from Freedom Debt Relief

Thank you for your review, Ruby! We are glad to hear that you are satisfied with our program. We strive to provide the best service we can to ensure our clients feel comfortable and confident. If you ever have any questions or concerns, please do not hesitate to reach out to us at 1(800)655-633. Thank you for choosing Freedom Debt Relief!

Apr. 14th, 2020

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Douglas Hiller Los Angeles, CA

I am very disappointed in the fact that you consider your settlement percentages off the balance that has nearly doubled since I enrolled. You instructed me not to make anymore payments as of my enrollment date and you allowed these fees and penalties to accrue. This is not the appropriate way to handle this if you would like to report the amount of savings you offer individuals that seeking assistance. I have the numbers put together upon my enrollment, and based on the settlements, I have paid more than four times as much as it would of cost me to settle the accounts you have settled.

5 years ago

Reply from Freedom Debt Relief

We appreciate you voicing your concerns with us today, Mr. Hiller, and are sorry to hear how disappointed you are in our efforts. Yes, our settlement fees are based on a percentage of the account balance. However, this is calculated from the amount of the debt when enrolled in our program. We would like an opportunity to speak with you further regarding the concerns you're having about our process. A team specialist will be reaching out to you shortly. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 13th, 2020

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Dianne P Sheboygan, WI

Most the time the representatives have been very receptive . They are nice and respectful of our wishes and our questions. I appreciate working with them.

5 years ago

Reply from Freedom Debt Relief

Thank you for your review, Dianne! We are glad to hear you are pleased with the services that have been provided. We strive to make all of our clients feel comfortable and respected. Remember, you can follow along with your success through your Client Dashboard. Thank you for choosing Freedom Debt Relief!

Apr. 10th, 2020

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Carol E. Fields District Heights, MD

I am very pleased with the progress that has been made. Several accounts have been settled and others are in negotiation.

5 years ago

Reply from Freedom Debt Relief

Hi Carol! Thank you for providing your feedback! We are happy to hear that you are pleased with the results of your program thus far! Keep up the great work, and remember, we are available seven days a week, so if you ever have any questions or concerns, give us a call at 1(800)655-6303. Thank you for being the best part of Freedom Debt Relief!

Apr. 10th, 2020

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Aurora Lewis Moreno Valley, CA

It's not working as I anticipated, court fees and settlements were not in my initial budget and my monthly fee increased by $60, also not in the budget. The good thing is I should be debt-free in 3 years.

5 years ago

Reply from Freedom Debt Relief

Hello Aurora! We appreciate your honest feedback concerning your program. We understand how frustrating it can be when a creditor becomes aggressive to collect on the balance of a debt. Please lean on us in the future if you need anything at 1(800)-655-6303. Thank you for allowing Freedom Debt Relief to guide you to your debt-free future.

Apr. 9th, 2020

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Christine Fortune Livonia, NY

Friendly, competent, reduced my anxiety and worries, very professional. S happy to be working with this company and finally getting out of debt!!

5 years ago

Reply from Freedom Debt Relief

Christine, we are so thrilled to hear that you are pleased with our success. We look forward to working with you to reach your goals of becoming debt-free. If you ever need our assistance please call Client Services at (800) 655-6303.

Apr. 10th, 2020

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Jane MacDougall Troy, NY

Finally see progress, but didn’t realize it would take this long to see results. Thank you for all your company does.

5 years ago

Reply from Freedom Debt Relief

Jane, we understand your concerns. If you ever have any questions or concerns regarding your account please call Client Services at (800) 655-6303.

Apr. 10th, 2020

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Bill St Louis, MO

My settlements and fees added together were no where near the expected relief that I thought this program would provide. The only good thing is it helped me to a plan to get out of debt.

5 years ago

Reply from Freedom Debt Relief

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

Apr. 9th, 2020

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Joseph Schulcz Wilmington, DE

Work so far has had good results . Savings have been better than my expectations. Overall results should have me in an excellent financial position.

5 years ago

Reply from Freedom Debt Relief

Joseph, thank you for your kind review. We are so glad to hear that you have had success thus far, and we look forward to your completion. If at any time you need our assistance please call Client Services at (800) 655-6303. Thank you for being the best part of Freedom.

Apr. 3rd, 2020

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Janet Whisker Melbourne, FL

FDR has been proactive about settling my accounts. They are very good about reporting to me before and after each transaction.

5 years ago

Reply from Freedom Debt Relief

We appreciate your great feedback, Janet! We take great pride in keeping our clients informed throughout this journey. Continue to lean on us if you need anything at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Mar. 31st, 2020