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Freedom Debt Relief

Freedom Debt Relief

Name: Freedom Debt Relief
Rating: 4.7

4.7

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19,206 User Reviews

9.9

Overall Score

4.7

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19,206 User Reviews

9.9

Overall Score

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Company Details

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Lowest Cost

% of enrolled debt

Undisclosed

Minimum Debt Requirement

$7, 500

Services Offered

Debt Settlement, Free Consultation

Accreditations

AFCC, IAPDA

Is Nonprofit

Time in Business

23 Years

Company Headquarters

1875 S. Grant Street Suite 300 San Mateo, CA 94402

Number of Reviews 19,206

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Freedom Debt Relief

Freedom Debt Relief is a credit counseling service headquartered in San Mateo, California. Founded in 2002, they offer services to U.S. consumers struggling with unsecured debt, such as credit card bills, personal loans, and medical expenses. It operates as one of the largest and longest-running debt resolution providers in the United States.

Freedom Debt Relief’s primary service is debt settlement, that could help you out of debt with no loan. Our affordable debt relief program is designed to resolve your debt for less than you currently owe.

If you have $10k or more in unsecured debt, our program could help you resolve your debt for an affordable price.

FDR has resolved over $18B in debt for over 1M clients! Find out how much you could save, request your free debt evaluation today.

Author: Kaitlyn Short

LAST UPDATED: December 5th, 2025

Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved billions in consumer debt since its founding in 2002.

The company has considerable industry experience and high client satisfaction ratings.

With all the major industry accreditations, Freedom Debt Relief (FDR) is a great option for many consumers. Its minimum debt requirement is $7,500. Freedom Debt Relief accepts clients dealing with financial hardship that meet this threshold and clients that can make regular program payments to an account to fund settlements. Freedom Debt Relief employs professional debt experts to negotiate and settle debt for those suffering financial hardship.

FDR offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 32 states. It does not, however, offer debt management plans or credit counseling for those not interested in debt settlement, as Freedom Debt Relief is a debt settlement company.

On average, Freedom Debt Relief charges 24 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle an account enrolled at $5,000, it will cost around $1,200.

Video Customer Reviews

Jennifer Ludwig

03 Dec 2022

Josephine Rizzo

18 Apr 2024

Antonio Brown

05 Apr 2024

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The Good

Excellent Settlement Program and Debt Relief Services
Experience and Accreditations
Great Freedom Debt Relief Reviews
Online Dashboard
No Fees Charged Until After a Settlement Is Authorized and First Payment Has Been Made

Excellent Settlement Program and Debt Relief Services

As a leading debt settlement company, Freedom Debt Relief has several great advantages to its debt settlement services, including

Low minimum of $7,500 in unsecured debt to begin debt settlement
Costs between 18.25 and 25 percent of the total enrolled unsecured debt
Free consultation with a Certified Debt Consultant

Freedom Debt Relief offers a free consultation with a highly trained, IAPDA-certified debt consultant when a consumer decides to enlist the company's debt settlement services.

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief has over 20 years of experience in the debt settlement industry. It has settled over four million accounts since its founding and settles $16 billion in debt.

Freedom Debt Relief has years of experience working with creditors on behalf of the client, the creditor, and the client. FDR will work to obtain settlements that resolve credit card debt (or any type of unsecured debt, such as personal loan debt or medical debt).

FDR will walk clients through the debt settlement process: first, customers will voluntarily choose to stop making monthly payments to lenders. Instead, clients will elect to make a monthly deposit into a separate special purpose account to save money to pay for the settlements once negotiated. Freedom Debt Relief will then work to negotiate a settlement on behalf of its clients.

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

Great Freedom Debt Relief Reviews

Most Freedom Debt reviews on Best Company are positive. People commend FDR for having good customer service, explaining debt settlement, and keeping them updated on where they are at in the debt settlement program.

Clients drowning in high amounts of unsecured debt (credit card debt, personal loans, medical debt, student loan debt) usually find that the company can save them from paying a large percentage of what they owe.

Despite the debt settlement program's tendency to negatively affect credit scores in the first six months, clients with mountains of credit card debt find it extremely helpful for debt reduction. It's also important for people to know that forgiven debt is considered taxable income, so you may owe more in taxes when using debt settlement services.

Online Dashboard

One feature that sets FDR apart from the rest is a unique and intuitive online dashboard to track clients' pace throughout the program. This helps people to actually see their progress while settling their debts. It also offers education to help clients improve their financial knowledge.

Not many debt settlement companies in the industry offer this tool as part of their packages.

No Fees Charged Until After a Settlement Is Settled and First Payment Hast Been Made

As opposed to a debt consolidation company which consolidates all of a customer's debt into one consolidation loan and one monthly payment, debtors approach Freedom Debt Relief as a last resort in order to negotiate their debt and relieve their burden.

Freedom Debt Relief doesn't charge an upfront fee or any other fees until after debt is settled with creditors, the settlement has been authorized with the client, and the first payment has been made. This practice is standard for the industry. Debt relief companies, like National Debt Relief and Pacific Debt, also do not have upfront fees.

Upon enrollment, customers will open an FDIC-insured bank account that the client controls. Clients will put the monthly deposit that was agreed upon into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

Next, FDR's representatives will negotiate with your creditors to settle your debt.

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 24 percent fees on enrolled debt), but its services are thorough.

The company's ability to help clients find an easier road to financial freedom and paying off debt is highly valuable.

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The Bad

Freedom Debt Relief Cost
Limited Availability
Limited Services
Consumer Financial Protection Bureau Lawsuit

Freedom Debt Relief Cost

To settle an account enrolled at $5,000, it will cost around $1,200 (or about 24 percent of the enrolled debt).

Users are charged an average of 24 percent of their total enrolled debt to use FDR. While this number is in line with their competitors, it is only an average. Customers could end up paying more or less than this to use FDR. FDR’s prices range between 18.25 and 25 percent. The rates vary depending on the state the client lives in.

Current national debt relief trends indicate that debt settlement companies tend to charge a percentage of enrolled debt as opposed to saved debt. This means that the more total debt you have, the more debt settlement companies will charge you.

Although working with a debt settlement firm still could save you from paying thousands of dollars to creditors, it's better to work with companies that charge a percentage of saved debt rather than enrolled debt.

So exactly how much will Freedom Debt Relief cost you? It will cost you around 23 percent of your total enrolled debt, but you will have to have a consultation to get an accurate estimate. The fee is competitive for the industry. The fee is assessed when a successful settlement has been authorized and the first payment has been made.

However, Freedom Debt Relief’s services are high quality and could make it easier to make your way to living debt-free.

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 32 states. If Freedom Debt Relief does not offer its debt relief program in your state, you'll have to consider other debt settlement companies.

Most debt settlement companies have a minimum debt requirement to ensure a payout. A debt settlement company that charges by saved debt will not run into this problem as much.

Freedom Debt Relief requires a minimum debt amount of $7,500 (the amount of which is charged fees between 18.25 and 25 percent). While this threshold is low compared to other debt settlement companies, it does rule out people struggling with lower debt amounts.

An additional limitation with Freedom Debt Relief is that the company only works with debtors with unsecured debt. Freedom Debt Relief is not an option for those struggling with secured debt. The difference between unsecured and secured debt is that unsecured debt is not backed by assets or collateral, while secured debt is.

Limited Services

Some debt relief agencies provide services outside of debt settlement, such as credit counseling, advocating for a lower interest rate on your debt, or debt management plans. However, Freedom Debt Relief does not offer these services.

As such, if you choose to go with Freedom Debt Relief to help you work toward resolving your debt, be aware that you will be signing up for a debt settlement program, and may still receive calls from a debt collector or face the risk of a negative impact on your credit score.

Consumer Financial Protection Bureau Lawsuit

In 2019, the Consumer Financial Protection Bureau and Freedom Debt Relief reached an agreement that FDR would do the following:

Make it clear that in some cases, FDR may not be able to negotiate a debt if the creditor is unwilling to negotiate
Let consumers know that, in some cases, the creditor will only negotiate if the client is also directly involved in the negotiations, and that the consumer has the right to refuse to participate in the negotiations and can remove the debt from their program without penalty
Make it clearer to consumers under what circumstances they will be charged a fee
Stop charging fees on all accounts where the settlement amount was not reduced, or where the creditor wrote off the debt on their own
Make it clearer to consumers that, if they end their program early, any money left in their program savings account belongs to them, minus any funds earned by the company according to legal statutes
Pay restitution money to injured consumers
Pay a civil penalty

It's a good idea for potential clients to do some research on the process, consumers' rights, and industry standards for settlement companies before setting up a free consultation with a debt settlement service. It's also recommended to read recent customer reviews to get a better sense of Freedom Debt Relief's commitment to clients and how good its settlement services are.

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The Bottom Line

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, ample debt settlement experience, thoughtful and experienced debt consultants, negotiation with each creditor, and more. The company's 18.25 to 25 percent fees are pretty standard in comparison to other debt settlement companies (like National Debt Relief).

If you choose a debt settlement plan to resolve your debts, the debts you settle are marked as "settled" on your credit report. While there are some risks to debt settlement, this process allows you to settle debts. It's not bankruptcy and it could get you on the path to becoming debt free.

While people interested in other debt resolution methods, like credit counseling, a debt management plan, or debt consolidation loan will need to consider other companies, Freedom Debt Relief is a good option for those seeking a debt settlement program.

FDR's debt negotiation experience is worth the money. Freedom Debt Relief customer reviews relate that the company has saved them thousands of dollars by negotiating with their creditors. If you're looking to settle your debt through debt negotiation and a reliable debt relief program, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from the company during your free consultation.

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Freedom Debt Relief Frequently Asked Questions

What is Freedom Debt Relief?

Freedom Debt Relief is a debt settlement company. The company offers a debt settlement program that helps you get rid of debt faster and for less when compared to making minimum payments. With over 19 years of experience working to reduce its clients’ debt, Freedom Debt Relief has resolved over $10 billion in debt since 2002.

How does the Freedom Debt Relief program work?

After signing up for Freedom Debt Relief, you make monthly deposits into an FDIC-insured bank account that you own and control. Once enough money has built up into this account, negotiations occur towards resolving each of your debts one by one. Once a settlement offer is obtained, Freedom Debt Relief presents the offer for you to authorize. If you agree to the terms, the funds in your FDIC-insured account are used to pay the creditor. This is also when Freedom Debt Relief collects its fee. Once the creditor has been paid according to the settlement agreement, the remainder of the debt is written off. This process is repeated with all of your debts until you no longer owe anything on your enrolled debts.

How does Freedom Debt Relief affect your credit?

Freedom Debt Relief could negatively impact your credit as your creditors are not being paid every month. As such, the company will report your missed payments to the credit bureaus, which negatively impacts your score. If you are already behind on payments, however, your credit is already negatively affected, so you should take that into consideration.

How much does Freedom Debt Relief cost?

Freedom Debt Relief's fee ranges from 18.25%-25% of the debt, depending on the state you live in, how much you owe, and other factors. Under no circumstances, however, will you pay the company the fee in advance of a settlement on a debt.

What kind of debt does Freedom Debt Relief work with?

Debt from credit cards, medical bills, department store cards, and many other types of unsecured debt could be eligible for Freedom Debt Relief. However, secured debt that involves collateral, including auto loans, mortgages, and federal student loans, are not eligible.

What happens if a creditor tries to sue me during settlement?

Since you’ve stopped making payments to your creditors, there’s a chance that they may sue you in an attempt to collect what you owe them. Freedom Debt Relief works with a network of lawyers it makes available to help qualifying clients in these situations — at no additional cost.

Is forgiven debt taxable?

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

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User Reviews

Star Rating

4.7

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19,206 Reviews

Review Breakdown

5 grade

82%

4 grade

12%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Verified Customer

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Veronica Sprang

I’m not able to go to the screen to see the progress is going. It wants a code txt to me or a call from u with a code, I’ve tried both ways multiple times and it’s not working. I’ve been told to give it 48 hrs and try again with all calls. Plz help!

2 months ago

Reply from Freedom Debt Relief

Hello Veronica Sprang,
We’re elated to be able to assist you along your debt-free journey. Our team takes pride in providing world-class customer service to our clients.
Thank you for choosing Freedom Debt Relief!

Sep. 12th, 2025

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Verified Customer

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Alem Nicodimos

Signing up and explanation of program was very good. The app is very helpful. I gave 3 stars because negotiations are taking EXTREMELY LONG!!!

4 weeks ago

Reply from Freedom Debt Relief

Hi Alem,

Thank you for your feedback and for sharing your experience. Settlements depend on how funds are accumulated, and as long as we continue building sufficient funds, we should have no problems meeting your goals within realistic timeframes. We are committed to providing customer satisfaction and you have our full attention seven days a week. Please reach out to our Client Services department at (800) 655-6303 or support@freedomdebtrelief.com. If you would like assistance reviewing your account, please log onto your Client Dashboard at www.fdrclient.com
for account updates if you have any questions or comments regarding your account.

Thank you for choosing Freedom Debt Relief

Nov. 10th, 2025

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Verified Customer

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Aaron Palmer

I'm still new to the program. Although the final outcome will be what I expect, I don't like the repeated phone calls from the creditors at the start and realizing that the only way to speed up my negotiations is to add more money to my account.

3 months ago

Reply from Freedom Debt Relief

Thank you, Aaron Palmer, for taking the time to leave us a review!
We applaud each client when taking their first step to becoming debt-free as we know it takes a lot to be able to make that decision. We work very hard to ensure our clients are able to receive not only debt relief, but also stress relief, as we want the program to feel easy for everyone.
Please call us at 800-655-6303 if you need any further assistance.

Aug. 12th, 2025

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Beth Bedekovich

Ongoing communication concerning debts in negotiation process is lacking. I really don't know what is happening with the negotiations. The fees for getting a settlement are never disclosed (just indicates a percentage). My first settlement was just approved and the I feel the fee is outrageous. Just about 50% of my settlement. With fees this high being paid from my dedicated account. it pulls the funds away from my creditors. If I'd have known the fees would be so high, I probably wouldn't be using the service. I would have tried to negotiate with my creditors on my own first. Also, after uploading my documents (statements, legal letters, etc.) there is no communication at all - I don't know if the upload was successful, I don't know if the threatening letters and specifically the letter indicating there has been a lien put on my home(!) was received and if this would change the order of the debt negotiations. However, anytime I've needed to contact customer service, they have been exceptional.

2 months ago

Reply from Freedom Debt Relief

Beth Bedekovich, Thank you for sharing your feedback. We understand your concerns around communication and fee transparency. Our program fees are based on enrolled debt and are discussed during enrollment, but we’re happy to walk through the details with you anytime.

For uploaded documents, we do ask that clients call in to notify us once documents are submitted, especially if they involve time-sensitive matters. This helps ensure they’re reviewed promptly.

Thank you for recognizing our customer service team — please don’t hesitate to reach out at (800) 655-6303 or support@freedomdebtrelief.com so we can assist you further.

Oct. 1st, 2025

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Kinyata ..

I would not recommend debt relief to anyone. This review is not directly against freedom, possibly all debt relief programs work this way, however going in I was not behind on any payments. I was lead to believe when I was given my orginal quote my savings was based on what I currently owed, however in order for them to help Out I had to stop paying all bills and the late/non payments fees kept piling up which increased my debt from what I originally listed, so when credit card companies settle it’s based on a way higher amount than what you went into the program with, and while it may end up being close to 50% of what you “CURRENTLY “ owe , it’s not much more than what you originally owed. If I knew this information going in, I would have never went with this program or any other and would not recommend to anyone.

2 months ago Edited September 24, 2025

Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review, Kinyata,
Keep in mind that our settlement fees are bigger savings than having to pay your creditors the full 100% of the debt owed + interest + any additional fees they charge. Yes, your creditor may have presented a lower settlement amount, but that is just to pull you back in so they can collect more. Our settlements are secure and lead you toward financial freedom. Please reach out to our Client Services department at (800) 655-6303 if you have any questions.

Sep. 12th, 2025

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Verified Customer

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Gloria

I had a great experience with HWA. They were extremely responsive and handled my claim quickly without any runaround. The communication was clear, and I received prompt updates. After submitting my claim through the app, a technician contacted me right away to schedule my garage door repair, which was completed in no time. Highly recommend!

5 months ago

Reply from Freedom Debt Relief

Hi Gloria,

Thank you for your feedback. Please call customer service if you need assistance in the future. Thank you for choosing Freedom Debt Relief.

Jun. 24th, 2025

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Verified Customer

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Merry Gaddis

I had to remove a 13k account from FDR because of co-collateral with a car loan with a credit union. Only one person I spoke to had a clue what I was talking about. This should have been explored when I signed up with FDR

3 months ago

Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review, Merry Gaddis
We’re elated to be able to assist you along your debt-free journey. Our clients are our top priority and ensuring that you feel appreciated and respected is the main goal.
We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or support@freedomdebtrelief.com if you have any questions or comments regarding your account.

Aug. 11th, 2025

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James Iacucci

Take care of my debt with help, called tjem

1 week ago

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Rozella

It seems to be taking a while to get a settlement. I started this plan with Freedom back in February and I could only see 1 settlement and 1 negotiation. Maybe I don't understand the process. I haven't talked to anyone at Freedom for I believe a month.

7 months ago

Reply from Freedom Debt Relief

HI Rozella, It’s completely understandable to feel uncertain or frustrated if progress seems slow—especially when you're trusting a service to help you out of a difficult financial situation. Settlements can sometimes take a few months to negotiate depending on the creditor, the debt amount, and how much has built up in your dedicated account. An account specialist will be reaching out to address your concerns.

Apr. 30th, 2025

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Anonymously

I initially had a good experience with Joshua Brown, but he misled me about his availability, leaving me without support when needed. Thankfully, others on the team were very helpful. Overall, I'm finding the service beneficial, despite the initial communication issues.

7 months ago

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Verified Customer

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Maria Reid

There should be more detailed explanation in a message. Not just would you like to donate your debt / is it paid or not?? How do we know l? Or know which opt tells you if you chose such and such that means - you want … and explain. The messages are too short without details.

7 months ago

Reply from Freedom Debt Relief

Hi Maria, thank you for bringing this to our attention. An account specialist will be reaching out to address your concerns.

Apr. 23rd, 2025

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Sondra Anderson

The process was easy for the program itself. But dealing with the people that you owe is hard. FDR. should warn the people that enroll in the program of all the actions the debtor use. Not just putting stop payments on them is enough. I had to change my account numbers also. My debtor made a fake check as if I wrote it and tried to deposit as a withdrawal on my account. Thank you well Fargo. For the notification. To stop payment. You do save money, but there is stress evolve. So just let the customer that use the program of everything. So stop payments doesn't work. You literally have to change everything.

4 months ago

Reply from Freedom Debt Relief

Hi Sondra Anderson,

We appreciate you taking the time to leave us a review. We applaud each client when taking their first step to becoming debt free as we know it takes a lot to be able to make that decision. We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or support@freedomdebtrelief.com if you have any questions or comments regarding your account.

Jul. 24th, 2025

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Shawna M. Pieta

Freedom Debt Relief is best approached with a “trust the process” mindset. As a debt consolidation company, they offer a structured path toward financial relief, but it’s important to understand that the journey is neither quick nor easy. The process itself is intentionally slow, and for good reason — negotiations with creditors cannot begin until sufficient funds have accumulated in your dedicated account. This means that progress is directly tied to your ability to consistently contribute to that account, which can be frustrating for those expecting immediate results. One of the most challenging aspects of the program is the period before settlements begin. During this time, communication from creditors — including phone calls, emails, and physical mail — can be relentless. This phase is not for the faint of heart, and it requires a strong commitment to the end goal. It’s also worth noting that your credit score will take a significant hit. In my case, my score dropped from 690 in January to 460 by May. This is a common and expected consequence of the process, but it can still be difficult to watch unfold. Ultimately, Freedom Debt Relief may be a viable option for those who are fully informed, financially prepared, and emotionally resilient. It’s essential to weigh the risks against the potential long-term benefits and to enter the program with realistic expectations. Debt consolidation is not a one-size-fits-all solution, and anyone considering it should take the time to evaluate whether the structure and timeline align with their personal financial goals.

5 months ago

Reply from Freedom Debt Relief

Hi Shawna M. Pieta

Thank you for sharing such a thoughtful and thorough overview of your experience. We appreciate your honesty and the importance of a realistic mindset throughout the process. Your insights are valuable for others considering debt relief, and we’re here to support you every step of the way.

Thank you for choosing Freedom Debt Relief!

Jun. 24th, 2025

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Verified Customer

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Beverly Brian Palm Harbor, FL

I was in the program for 4 yrs and then was offered a loan, with the Consolidated Loan part of the company and totally was misunderstanding the loan officer because of previous talks I had with him and told him that I could not pay more than I'm paying now, and that I pd that amount in two payments so when I went through the contract the amount of my monthly payment was the amount was less than my current amount I had been paying freedom debt and so I thought the amounts was listed as being taken out bimonthly I understood that at that figure would be divided in half because that's how I had discussed it ,, but when it came to start paying the loan payments my payment was double the amount I had been paying and now at the age of 78 I am worse of financially than I have ever been in my life, it's devastating. The loan officer never came out and said this amount will be a total of the number shown.. it did give numbers listed that were options, but I understood by monthly as the $371 was to be divided into two payments instead of a total of $742 as a payment.. now I cannot pay that payment and they will not work with me..

3 years ago

Reply from Freedom Debt Relief

Beverly we are sorry to hear about your experience and appreciate reaching out. We have forwarded your mentioned concerns to a Consolidation Plus representative for review.

May. 11th, 2022

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Verified Customer

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Sensabaugh

Rate little high, find myself doing without my medication in order to pay myfee each month, but doing an emergency was able to lower a payment two or three different months, does make u feel good that finally getting a few of bills paid of, but then in the end will take you 3 to 4 yrs. to get them all finished and have to worry about taxes for payments of $600.00 or more not unpaid may have to file taxes on, and then theres the fees, even though i know thats how they get paid for contacting the companies to work out a deal, I still wish i would of filled bankruptcy instead cause u wouldn't have to worry about taxes, fee that is too high, only good thing is made the bills, and u are trying to make a difference with your credetors even though it takes too long..

5 years ago

Reply from Freedom Debt Relief

Hi Sensabaugh! Thank you for your feedback! We are happy we can be of assistance to you! If you have any questions or concerns, please don't hesitate to reach out to our Customer Service department at 1(800)655-6303. They are available seven days a week! Thank you for choosing Freedom Debt Relief!

Mar. 18th, 2020

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Verified Customer

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Anonymous

I cannot rate this until they actually give me back my overage and provide the graduation package they've promised me for nearly 2 months now. I've had to call them four times since I completed the program and they have not only misdirected me on the first three calls, but did not follow through in getting the graduation packet to me. The fourth call I am hoping is successful and I should finallyseethe overage back in my back account to the tune of $700+. Very frustrating having to follow up so many times to keep demanding what they should have already taken care of. Please note that Gail a customer service agent gets 5 stars from me. The previous three agents get 1 star from me.

6 years ago

Reply from Freedom Debt Relief

We're very sorry to hear you've had to contact us repeatedly to resolve your concerns. We are glad to hear that your concern has since been properly addressed. However, we offer our sincerest apologies for any frustration caused on our end. Congratulations on completing your Graduation Path! We would like an opportunity to discuss the concerns mentioned in greater detail. A team specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief to meet your financial goals.

Jun. 4th, 2019

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Verified Customer

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Laura Lonati

My experience has been pretty good. What I didn't know in the beginning was how long it would take to start a resolution. I also learned that the same settlements were offered to me directly from the creditor so I wouldn't not of had to pay all these fees which are factored into the settlements between Freedom and the creditor. Also, there was one account that they marked as settled but I continued to get calls from the collectors about daily. When I called Freedom about this issue they didn't even know that the account was still outstanding because they marked it as settled. I am still trying to figure out where my 2 payments to this creditor went.

6 years ago

Reply from Freedom Debt Relief

We apologize, Ms. Lonati, if the proper expectations were not set for you. Making sure we educate our clients regarding what to expect when enrolled with us is top priority. Also, the creditor may have offered settlement options to you. However, please know that our negotiators resolve nearly 44,000 creditor accounts each month. Negotiating with hundreds of creditors over the past 16 years gives us a huge leverage in being able to obtain the best settlements possible for all of our clients. You made mention of an account that we show as resolved, but the creditor is still attempting to collect on the remaining balance. We are very sorry to hear you are dealing with this situation. One of our team members will be reaching out to you shortly using the contact information we have on file. We certainly want to make sure that us and the creditor are on the same page when it comes to the balance. Thank you for honest feedback.

Dec. 21st, 2018

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Verified Customer

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ron kimball

They are not upfront with you in regards to who will negotiate with them. They know that Discovercard and Walmart will not bend . Yet they tell you that they can. They also convince you to add their Lawyer group in case you have a court problem, I did, and after court representation I was right back at the beginning with Discover card, no help at all plus had to pay extra filing cast to go to court. card. They will tell you that can not negotiate with your creditors, but you can and you can withdraw them from your account. I am close to finishing the program, got a little money and asked if I could pay off the smaller of the two accounts left. Was told no, but i could pay the extra money into my standing account ( not sure if this is name)and the money would remain there until the near the end of my term and then only would it be used to pay off the remaining account. This goes for for any extra money you pay over your monthly payment Last but not least, since now I am close to the end I am being solicited to take out a loan to pay off the remainder by a sister company!! Why now. I just don't think they are upfront. that is all, ask the questions and take notes, or record. Ron

7 years ago Edited September 14, 2021

Reply from Freedom Debt Relief

We're sorry if you feel you weren't informed enough about our program. Our client services team is available to address the questions and/or concerns that come up for our clients while progressing through our program. If you have not already done so, please contact one of our skillful advocates at (800)655-6303 to have your concerns addressed. We hope to hear from you soon! Thank you for choosing Freedom Debt Relief.

Oct. 24th, 2018

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Verified Customer

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Diane Benigni

Satisfied for the most part. There is an account that has been paid off for several months, but still shows in process. It was paid off in three payments. I have contacted FDR 4-5 times to inquire why this account is not showing paid off. Each time I am told it is being escalated, but nothing changes. I'm not given any further information, but the account status does not change. Very frustrating not to see progress. The only thing that has changed is that it shows 2/2 payments made. Don't know why this was changed because I am certain THREE payments were made. I've stopped inquiring because I am given no information. Even have sensed an attitude when I try to get answers. It is not easy going thru this process and feel I am just a number with FDR rather than a person.

7 years ago

Reply from Freedom Debt Relief

Thank you, Diane, for providing us honest feedback about your experience. We work constantly to make sure we're providing full details of clients account along with resolving any concerns a client may have. We really do apologize you feel like we're not hearing you out, you're not just a number to us we do value your time and care about you. We want to get to the bottom of this and turn this experience into a better experience for you. We will be reaching out to you privately.

Oct. 1st, 2018

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Verified Customer

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Jamie Oliver Elizabethton, TN

They can always answer my questions and are always willing to help. Though I don't think they do things very well. I think that they could pay some of the debt I have a little bit faster than what they are doing, but I don't understand how it all works. Right now it's still looking like I still have quite a lot of debt. I assumed that they would take care of the two major ones first, but I have not had anything paid or taken care of yet, so I'm a little bit nervous. I also don't know how much it's going to cost me. I don't think it's going to cost as much as the debt I have, but I'm still worried about it.

7 years ago

Reply from Freedom Debt Relief

Hello Jamie,

We're very sorry to hear you are dissatisfied with the program. If you still have questions or concerns regarding your account please reach out to our Client Services department at 1 (800) 655-6303 or email us at and we would be happy to assist you. Thank you for choosing Freedom Debt Relief!

Dec. 9th, 2018

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Verified Customer

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Jacqueline Brown McCalla, AL'

Anytime I had a question they were ready to answer and would walk me through the whole thing. They also made sure that I took my time to think before making a final decision on things. They always wanted to make sure that I knew what was happening and that I understood the situation. Everything that gets done is put up in the dashboard so I can look at it. They also send me messages when they need me to look at things there. There were a couple of times when I had to call them because I hadn't heard back from them in a while. I'm in the middle of things right now and I feel okay so far. I'm down to the end of my program but I'm a bit concerned about the last debt. It's taking longer than anticipated and I feel like they're not being aggressive enough with it. It's dragging and it's obvious. I totally trust them though.

7 years ago

Reply from Freedom Debt Relief

Thank you for taking the time to write us a wonderful review, Jacqueline! We're proud to be on your side and we're going to continue to stay in touch throughout your graduation. We hope that your last account was settled and any time you have questions regarding your account please don't hesitate to contact client services at (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Delmalynn Reinke

It’s still too soon to give a full review, as I just started the process. That said, I do have some concerns. The account balances they quoted me were lower than the actual amounts, and some accounts with large balances weren’t included at all. I reached out to my representative for clarification, but I didn’t receive a clear answer to my questions. I’m choosing to trust the process for now and hope everything will be resolved as we move forward. I’ll reserve final judgment until I see how things progress. — New Customer

5 months ago

Reply from Freedom Debt Relief

Hello Delmalynn Reinke,
Thank you for sharing your thoughts, and we completely understand your concerns. It's important that you're feeling confident and informed throughout the process. We apologize for any confusion, and we’ll work to get you the clarification you need. A Client Experience Specialist will reach out to you to go over details. We appreciate your trust and look forward to working with you. Thank you for choosing Freedom Debt Relief.

Jun. 23rd, 2025

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Paul

I'm confident we'll be able to work through this tough financial time and we do appreciate the work that Freedom Debt Relief is doing, we weren't warned about the cards that we kept would be lowering all of our credit limits and out right canceling our cards. We were under the impression that the cards we kept and continue to pay would be some safety blanket if money got tight. Even though we continue to pay them down and on time, because we stopped paying the cards that Freedom took over, we're losing credit that we might need later on.

5 months ago

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Verified Customer

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Virginia

I appreciate the considerate calls I receive, which make me feel valued. However, I've found myself overwhelmed with too many credit cards and bills, leading to financial stress. I'm eager to resolve these issues and regain control of my finances. Overall, I look forward to a more manageable situation.

10 months ago

Reply from Freedom Debt Relief

Hi Virginia, we understand how difficult it can be to see the light at the end of the tunnel, but we want to applaud you for taking the necessary steps to resolve your debts. We are here to sport you every step of the way, thank you for choosing FDR!

Feb. 15th, 2025

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Sandra Clarksville, TN

I could not get a straight answer the majority of times I emailed questions. Additionally, their fees are too high. In hindsight I should have negotiated my own settlements and saved thousands of dollars. In the end, they did not save me that much. You go in to the process thinking you’re going to cut your debt by 50%. That is not the case with their fees. The timeline I agreed to with a set monthly amount will not be met. This is extremely disappointing. Could it be due their fees? I have multiple lessons learned from this process. Overall I can’t recommend them to anyone.

2 years ago

Reply from Freedom Debt Relief

Hi Sandra, it is important to remember that you are saving on your overall debt and your debt is completely separate from our settlement fee. Our fee is payment for the service we are providing and the settlement is what you pay to satisfy your debt with a creditor, at a lower rate. We would like the opportunity to discuss in detail, the questions that you have about your program, unfortunately we are unable to reach you based off of the information provided by this review. Please reach out to our customer service team.

Jun. 16th, 2023

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Brad Higginson, AR

Due to the amount of time it took and interest and fees being accrued with creditors and fees charged by FDR, even after the "50%" reduced debt I ended up paying the same amount I would've just paid to the creditors. And my credit score didn't benefit in any way. In short I could have just closed the accounts and paid off the balance myself and benefited more. I wasn't going to bring this up but I was sent numerous emails asking over and over so there's my experience.

4 years ago

Reply from Freedom Debt Relief

Thank you, Brad, for sharing your experience online. Even with our fees, you still save more money than you would be paying the creditors directly. The goal of our negotiations team is to meet our clients' goals of becoming debt-free. Please call us at 800-655-6303 if you have any questions. Thank you for choosing Freedom Debt Relief!

Aug. 20th, 2021

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Mary Harmon Boonville, MO

Up until now they were great, very pleased. Our last account has drug on forever. I feel now the longer it takes the more money they will get out of us. We have to wait to pay off last account with money already available to collect their fees. That is costing us that much more. We were to of graduated as of 2/15/21 and we are still paying into it. We want it over.

4 years ago

Reply from Freedom Debt Relief

We appreciate you voicing your concerns regarding your account, Ms. Harmon. Rest assured, FDR does not benefit in any way from keeping clients enrolled longer than necessary. We share the common goal of graduating you from the program as soon as financially possible. An opportunity to review the matter further would be appreciated. An account specialist will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief.

Jun. 21st, 2021

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Eric Haughton, LA

I've had issues with communications. They don't call you back when they say they're going to call you back. I'm having issues with some of the representatives doing one thing and refer on another and nobody was working on the same page. It's a little irritating to deal with them. They've solved a couple of my debts already. But it seems like they're kind of lax about getting to my creditors and talking to them on my behalf so I had several issues with that.

5 years ago

Reply from Freedom Debt Relief

Eric, 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. 6th, 2020

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Jesse Green Bay, WI

When your close to finishing your program Freedom Debt Relief will keep stringing you along to keep getting money from you. If any of your debt is settled through their law firm you will have to do the work yourself to get things paid off in one lump sum. You have to keep calling and stay on top of them or they will keep taking from you for as little ng as they can.

5 years ago Edited January 10, 2024

Reply from Freedom Debt Relief

Thank you for expressing your concerns with us, Jesse. We are constantly working to better our client's experience in our program. Please understand our settlement fees are a bigger savings than having to pay your creditors the full balance of the debt owed, plus the interest, plus any additional fees they charge. If you would like to discuss this matter more in-depth, please reach out to us at 1(800)-655-6303. Thank you for choosing Freedom Debt Relief!

Mar. 26th, 2020

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Carolyn Ray Malloy

There is NO assistance on how to contact 2 settled accounts which have not sent out 1099-C. My requests receive the same "canned response" with the add on of contact IRS. All we need to complete our 2019 taxes is a way to contact these accounts. Surely they have a phone # which we are not privy to. Last year received one on 4/13 letter and form dated 01/31/2019 and envelope the type which did not get postmarked. HELP below reflects this issue with a boost for great service on all other matters

5 years ago

Reply from Freedom Debt Relief

We are so sorry that you feel this way, Carolyn. We are never intending to make things harder for our clients. If you are still having a concern about this, please contact Client Services at (800) 655-6303 so we can get you the help you need. Thank you for choosing Freedom Debt Relief!

Mar. 17th, 2020

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Rebecca

It has been my experience that you should try to pay more than what they budget you out in the beginning. I have had two (so far) debtors to sue me and want to take me to court. However with being said the lawyers they ask you to get in the beginning are hands on it! You just have to go through the humiliation of a constable showing up at your work. Thankfully the constable was nice and told me if it's too good to be true then it is.

5 years ago

Reply from Freedom Debt Relief

Rebecca, 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.

Jul. 13th, 2020

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Jeremy M.

I’m not happy with how I’m settling $31,000 of debt for the same exact price over five years. When I first signed up I thought I would be saving money, not paying most of it to FDR . As if that’s not unsatisfactory, I’m owing thousands of dollars toward taxes because of all the settled debt. No one ever mentioned that would happen. I feel that FDR is putting me in more debt, not helping my situation.

6 years ago Edited January 10, 2024

Reply from Freedom Debt Relief

Jeremy, we value your wonderful review! We take pride in knowing we have a highly trained and professional team to assist you with your journey to financial freedom. 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.

Nov. 18th, 2019

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Vikki Fletcher

I was doing OK until I was offered a consolidation loan that was denied. I do not like "no", especially when the loan was not my idea. Anyway, it should be understood that people use debt relief companies because of being overwhelmed with bills for a period of time and want to get adjusted. Saying "no" for the same reason (excess bills in relation to income) does not make sense to me. I contemplate dropping FDR and negotiating the bills myself.

6 years ago

Reply from Freedom Debt Relief

We appreciate your honest review, Vikki. Our sister company, Consolidation Plus, is a great option for some, however, it may not be the best choice for everybody and we're very sorry to hear that you were denied for their loan offer. The good news is that we're still on your side to help you resolve your debt. If you have any questions for us, please feel free to reach out to our client services team by calling (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Mar. 14th, 2019

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Curt Person

Sometimes I talk to excellent people from customer support and other times I get people that just give me the run around. Depending on which account I was working on, some kept me in touch really good and others danced around and it was an email or I was having to call them. The attorney they use is probably one of the worst attorneys I've ever dealt with.

6 years ago

Reply from Freedom Debt Relief

Hello Curt,

We're so sorry to hear that you have had a negative experience with our company! Our clients are our top priority and ensuring we're fulfilling your request. We work hard to build a relationship with our clients so they can be as comfortable as possible while in the program. We hope to make this into a better experience for you. Please let us know if there's anything we can do for you. Our client service department is available 7 days of the week and can be reached at (800) 655-6303 if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Feb. 13th, 2019

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Jane New Salem, PA

The staff is very nice. They don't hesitate to answer any of my calls when I call or answer my questions. They email me all the time. They didn't tell me until after the fact that if you don't have enough funds then the companies that you're filing against take you to a magistrate and then you receive letter after letter because no one contacts you and tells you 'if you get a letter you go to contact us.' That's the only part that I didn't like.

6 years ago

Reply from Freedom Debt Relief

We appreciate you complimenting on our level of customer service, Jane. It's rewarding to know all of your questions have been answered to your satisfaction. We're also glad to hear how appreciative you are regarding our communication efforts. We are disappointed, however, to hear of your concern regarding legal accounts. If you receive any legal communications from any of your enrolled creditors, we ask that you immediately reach out to our Advanced Collections Team at (800)993-8950 for further assistance. You can also forward these communications to us via email at . We hope this clears up your concern regarding who to contact in these situations. Thank you for being the best part of Freedom Debt Relief.

Jan. 11th, 2019

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Alene Wilson

They are hoping but they take too much commission on each credit card they close, I think 23.% is way too much. better if they take a monthly small amount until all accounts are paid then take balance of their commission. It has been almost 11 months on our account and only 3 have been paid off with over |$6000 or more that has been our account. Wont have any money in account to pay off the biggest accounts until June so not really please with this.

6 years ago

Reply from Freedom Debt Relief

We appreciate your honest review, Alene. We're very sorry that you're dissatisfied with the way we process our fees, however, please keep in mind that because we abide by the Federal Trade Commission guidelines, Freedom Debt Relief will not accept a fee until we actually settle a debt. Additionally, if you compare our fees to the 100% debt + interest % + late fees + penalty fees, we offer a proven solution at an affordable monthly cost that can help you pay down your entire debt - principle, fees, interest and all. Also, you can accelerate your program by making additional deposits, please contact our client services team to learn more at (800) 655-6303 or email .

Dec. 21st, 2018

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Glenda

Everytime I've called in to ask a question, they've answered and explained everything in detail. They let us know what's going on with creditors and the companies they work with. I really like not having creditors call me, because Freedom handles all that. I'm very pleased with the service they provide, and everyone at the company is very nice and listen to your questions. If they don't know the answer to questions, they find someone who can help me. I have no complaints, they are a very trustworthy company.

7 years ago

Reply from Freedom Debt Relief

Thank you for your great review, Glenda! We're glad to hear that you love the program and we look forward to your continued success. 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!

Sep. 5th, 2018

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Will K San Fernando, CA

They have created a structured plan where I only have to make payments to them instead of multiple places. I was a little disppointed in how long I had to let my accounts be in collections begore a settlement was reached. The people I owed money to were offering me much lower deals almost immediately compared to the amount of time it took to reach a settlement with FDR. Knowing what I know now I would do things differently.

7 years ago

Reply from Freedom Debt Relief

We're sorry to hear about the concerns you are having with the program. Please reach out to our client services department at (800) 655-6303 or so we my answer any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

May. 14th, 2018

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Anonymous

They looked like my best option at the time. Their customer service is somewhere in between. I've had some good experiences and some bad experiences with them. They connected with me mostly through text messages. Some parts of the service have been satisfactory but some others haven't been that way. It all came down to the fees that I had to pay in the end. Still, it served its purpose so I feel good about going with them.

7 years ago

Reply from Freedom Debt Relief

Thank you for your honest feedback. We look forward to providing you with an excellent experience. Please reach out to our client services department at (800) 655-6303 or should you have any questions or need assistance with your client dashboard. Thank you for choosing Freedom Debt Relief!

May. 7th, 2018

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Joanne Rosenbrook Munith, MI

At the time they looked like the best option for me. I haven't run into a situation where I needed support from them yet. So far I just signed up with them and make my payments. They take care of the negotiations and I can check on the progress online. I'm glad I signed up, I needed to do something about my situation. I just wished I had thought a bit further about my actions because their fees are quite high.

7 years ago

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May. 7th, 2018

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Anonymous Philadelphia, PA

We were in an unusual situation where we didn't know who could help us get out. We were facing bankruptcy so we tried Freedom Debt. It certainly helped me and my wife. It was something I didn't necessarily want to do, but it was unfortunately necessary. They helped us in a time of need with the banks and credit card companies. They are very expensive though, I was not made aware of that. If you're in a situation between a rock and a hard place, it's something I'd recommend.

8 years ago

Reply from Freedom Debt Relief

We're happy you chose us to help you resolve your debt, rather than to file bankruptcy. We're honored to be here for you at a time that you needed it the most and we're looking forward to your financial success. Any time you have questions or need assistance, give us a call at (800) 655-6303 or email . Thank you for choosing Freedom Debt Relief!

Dec. 13th, 2018

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Joshua Dahlenburg

The fees you pay are ridiculous. I understand having to make money, but the amount they charge is crazy. I’m looking into other options.

1 month ago

Reply from Freedom Debt Relief

Hi Joshua,

Thanks for sharing your thoughts. We understand concerns about fees, but keep in mind that our settlement fees still offer bigger savings than paying your creditors the full 100% of your debt plus interest and extra fees. Sometimes creditors may offer smaller settlements just to pull you back in, but our settlements are secure and focused on helping you truly become financially free.
We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or support@freedomdebtrelief.com if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Nov. 10th, 2025

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Elizabeth

I don't know how to stop the creditors from calling me all the time. Is there any way you can help with that?

3 months ago

Reply from Freedom Debt Relief

Elizabeth, we appreciate you taking the time to leave us a review! We’re elated to see you are using your Client Dashboard! This is a great tool to stay informed of your program progress and resources for creditor calls. Our clients are our top priority, and making sure you feel appreciated and supported throughout the program is at the heart of what we do.
Please log onto your Client Dashboard at www.fdrclient.com for account updates.

Aug. 22nd, 2025

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Gracie Vaden

I thought you were going to get in touch with all of my creditors, I continue to receive calls and my credit score continue to decrease.

4 months ago

Reply from Freedom Debt Relief

Hello Gracie Vaden,

Thank you for your feedback. We’re sorry to hear about the continued calls and concerns with your credit score. Please know that settlements are dependent on accumulating sufficient funds, and creditors may still reach out during this early phase. However, we are actively working on your behalf to negotiate the best possible outcomes.

We are committed to providing customer satisfaction and you have our full attention 7 days of the week. Please reach out to our Client Services department at (800) 655-6303 or support@freedomdebtrelief.com if you have any questions or concerns.

Jul. 10th, 2025

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mrsDEJr

It’s great helping with debt, but sadly with job issues it has been causing debt issues by over drafting my account. I even tried to cancel my account and was told to pay to finish a debt which didn’t get finished. VERY hard to close your account and try to fix it on your own mean while collectors are still calling daily.

5 months ago

Reply from Freedom Debt Relief

Thank you for sharing your experience, mrsDEJr.
We understand how challenging this journey can be, especially with job and financial difficulties. Please know we’re committed to supporting you and encourage you to reach out to our Client Services at (800) 655-6303 or support@freedomdebtrelief.com so we can help address your concerns. We want to make sure you feel appreciated and respected throughout this process. Thank you for choosing Freedom Debt Relief

Jul. 8th, 2025

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Carl Frymoyer

The fees that are charged, $9.95 a month for their service, $10.00 for sending each check to the creditor until it is paid off and the 24% fee for the original amount enrolled for each creditor which is quite a bit to shell out for their services.

5 months ago

Reply from Freedom Debt Relief

Hi Carl Frymoyer,

Thank you for sharing your feedback. We understand that fees are an important consideration, and we strive to offer clear communication about them. If you have any questions or would like further clarification, please don’t hesitate to reach out. We’re here to assist you. Thank you for choosing Freedom Debt Relief.

Jun. 24th, 2025

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John Bradley

The program is working, but I missed the conversation on what the cost would be. they settled debts, but charged on the full amount, which was not stated in the beginning. It is the contract, but it would have been nice to have that explained.

5 months ago

Reply from Freedom Debt Relief

Hi John Bradley,

Thank you for your feedback. We’re pleased to hear that the program is helping you. We do strive to ensure all fees and program details are communicated during the initial call and outlined in the contract. However, we understand that these details can be overwhelming. We appreciate your feedback and will continue to ensure full transparency throughout the process.

Thank you for choosing Freedom Debt Relief!

Jun. 24th, 2025

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Dale

I recently experienced a service that left me both impressed and concerned. While the offerings were vibrant and engaging, there were underlying issues that made me question their reliability. The atmosphere was pleasant, but I felt there were some areas that could use significant improvement to ensure a better experience overall.

1 year ago

Reply from Freedom Debt Relief

Thank you for your thoughtful review, Dale. We're pleased to hear that you found the offerings vibrant and enjoyed the atmosphere. We also appreciate your honesty about the concerns you experienced. Your feedback is valuable, and we’ll use it to make improvements and ensure a more reliable experience moving forward.

Sep. 13th, 2024

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Anonymously

1 year ago

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Verified Customer

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Anonymous

I haven't heard from anyone for 3 days since my phone broke in the hospital, and I can't access my dashboard. I feel indifferent about it. It would be helpful to receive letters instead of relying on the computer, as not all of us are tech-savvy. I prefer correspondence through letters to stay informed.

1 year ago

Reply from Freedom Debt Relief

Hello, thank you for your feedback. We are sorry to hear that you are in the hospital, we hope you feel better soon. We encourage you to reach out to our customer service team to assist you with updates and answer any questions you have.

Jul. 22nd, 2024