Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved over $4 billion in debt since their founding in 2002. The company holds considerable industry experience and customer satisfaction. With all the major industry accreditations, Freedom Debt Relief is a great option for many consumers. They offer multiple debt services and are available in 38 states. However, they may have potentially higher prices than other companies in the industry.

The Good

  • Typically a minimum $7,500 in debt to begin settlement
  • Average cost is 21.5 percent of your total debt
  • Customer’s are given one representative to work with throughout the process

Experience and Accreditations

Freedom Debt Relief (FDR) has over 14 years of experience in the debt settlement industry. With their level of experience, they know that one of the most important things they can offer consumers is industry accreditations. In fact, according to multiple surveys we conducted, people value national accreditations in their debt company above all other features. FDR is accredited with the AFCC, and the IAPDA.

Great Reviews

Most clients who leave Freedom Debt Relief reviews with us have had a good experience. They commend FDR for having good customer service, explaining the settlement process, and keeping them updated on where they are at in the settlement process.

Excellent Services

Freedom Debt Relief offers a free consultation when a consumer decides to enlist the company’s services. One debt consultant will remain with the client throughout the settlement process. If consumers are not satisfied with FDR, the company offers a money back guarantee.

Online Dashboard

One of the features that sets FDR apart from the rest is its unique and intuitive online dashboard to track your pace through the program. This helps people to actually see their progress in settling their debts.

Visit Site

The Bad

  • Only available in 38 states
  • Potentially high cost (up to 25 percent of your enrolled debt)
  • Users report portal login issues

Potentially High Prices

The major problem we see with Freedom Debt Relief is their price. Users are charged an average of 20 percent of their total debt to use FDR. While this number is in line with their competitors, it is only an average. You could end up paying more than this to use FDR.

Limited Availability

Freedom Debt Relief offers its services in only 38 states. Additionally, the company requires a minimum debt amount of typically $7,500.

Similar Complaints

While most of the reviews we see for FDR are positive, there are still several people who have complaints about Freedom Debt Relief. The three main complaints clients seem to have are:

  • It takes too long to settle debts
  • FDR chargers too much for their services sometimes costing consumers 25 percent of their total enrolled debt
  • People have trouble navigating and logging into FDR’s website.

 

The Bottom Line

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, industry experience, thoughtful debt consultants, and more. However, because their prices of 20 percent of debt is an average, clients could end up paying more. We recommend using Freedom Debt Relief if you receive a low enough quote from them, and they are available in your state.

Frequently Asked Questions

How Much Does Freedom Debt Relief Cost?

Price varies depending on various factors. Factors that are taken into account is the creditor you’re working with, the state you live in, and the amount of debt you have. After all is said and done, you can expect to pay 15 to 25 percent of your total enrolled debt. Their website states the following:

“If you choose to enroll in a Freedom Debt Relief Program, Freedom charges a fee that depends on a number of things, including the state you’re in, the amount of debt you’re enrolling, and other factors. But, in general, if you enroll in a standard 36 month program, in most cases your fee works out to approximately six to eight percent of your total enrolled debt per year. And the most important thing to remember is that there is absolutely NO FEE RISK to you – we guarantee that you will pay NO FEES for your debt relief services until we successfully resolve a debt for you.”

The review of program details will include:

  • Average time for settlements.
  • How some creditors can be more aggressive
  • How delinquent each debt is
  • How drafting monthly can impact the success of completing the program
  • What options we have for when creditors call our clients too much
  • What options we have for if a client gets sued

Can I Get A Free Consultation?

Yes, they offer a free debt consultation. Calling in and speaking with a debt help specialist will give you the ability to determine the best path to success in your specific situation. While they can give you very helpful information without much of your personal information, they can give you the most effective help when you give them more specific details about your situation. The consultation in no risk and you won’t be locked into anything by calling.

What Types of Debt Does Freedom Debt Relief Work With?

Freedom Debt Relief only deals with unsecured debt.

What is the Minimum Debt Amount I Can Sign Up With?

Freedom Debt Relief typically requires a minimum of $7,500 of debt.

More Information

About Freedom Debt Relief

Freedom Debt Relief has been in business since 2002. Since then they, along with the other pillars of their company, have been listed as one of Inc. 500’s fastest growing companies in 2008 and 2009. Bills.com was also named the #3 company in the Hot 100 from Entrepreneur magazine. Multiple acquisitions of other companies including Home-Account and Refinance.com have helped the company build up their mortgage refinance tools, mortgage calculators, and other mortgage and refinancing services. After more than a decade in service, they have proven to be a stable company. The founders of FDR are very involved in the financial and personal debt communities. The Association of Settlement Companies (TASC) has a founding member of Freedom Debt Relief on their board.

Price

You will pay 15 to 25 percent of the total debt you enroll.

Account Set-Up

  • Free consultation: Yes; offers free financial assistance
  • Personal consultant during the settlement: Yes

Accreditations

  • AFCC accredited: Yes
  • IAPDA accredited: Yes

Time in Business

Founded in 2002

Minimum Debt Requirement

Must have $7,500 in debt to begin working with Freedom Debt Relief

Available States:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Delaware
  • Florida
  • Hawaii
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin
  • Wyoming

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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312 Freedom Debt Relief Reviews

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  1. User Score

    7

    May 22nd, 2017

    a little slower than expected but proceeding are fair i guess
    I thought settlements would have been more then one at a time
    then the fee’s for the first settlement are high could have used the fee to settle a smaller debt oh well it is what it is hopefully it picks up soon

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  2. User Score

    8

    May 17th, 2017 Northfield, OH

    FDR has already set up one contract to pay off one of the larger debts. Hoping to pay off all debt before my 3 year plan.

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  3. User Score

    10

    May 17th, 2017

    So far l feel your company has help me get back on track with my debt

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  4. User Score

    10

    May 11th, 2017 Pine Bluff, AR

    This program was very helpful for me and took away all of the stress I was under.

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  5. User Score

    9

    May 10th, 2017 Evansville, IN

    Great customer service. Nice people to work with.

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  6. User Score

    8

    May 10th, 2017

    I could not ask for a better debt relief program. They do what they say they will do.I would recommend them highly to anyone looking to get out of debt. I thought I would never get out of debt,but when I found this program I was well on my way.Thank you so much!

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  7. User Score

    10

    May 10th, 2017 Solon, OH

    Freedom Debt Relief has been a great blessing, because even though I was making my monthly payments to creditors, I was getting nowhere and only digging myself into a deeper hole by being eaten alive with high interest. With the help of Freedom Debt Relief and the good Lord above, I’ll be debt free in May of 2020.

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  8. User Score

    10

    May 9th, 2017 Columbus, OH

    I was thinking about bankruptcy and I went to a bankruptcy attorney but I decided that I didn’t wanna do the bankruptcy so the attorney actually recommended Freedom Debt Relief. The entire experience has been really positive. I get emails from them all the time with the progress.

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  9. User Score

    10

    May 9th, 2017 Alabaster, AL

    Freedom Debt Relief is good. So far they done everything they said they’ll gonna do.

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  10. User Score

    10

    May 9th, 2017 Flower Mound, TX

    I saved quite a bit of money. They always communicated with me through texts. I feel good and very very confident about signing up with them.

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  11. User Score

    9

    May 9th, 2017 Carencro, LA

    I was trying to find a way to get out of my debt without getting bankrupt. I think in the long run, they will save me money. Their debt consultant is extremely good

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  12. User Score

    10

    May 9th, 2017 Mt Airy, NC

    Working with them them has been real good. To keep my up-to-date, they text me and then I call them back most part. Everything’s been just this wonderful.

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  13. User Score

    10

    May 9th, 2017 Boaz, AL

    Everytime I call and any questions I have they always answered. I feel good about signing up for debt relief. I was just paying minimum of my Credit Cards and they never go down and just keep going up.

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  14. User Score

    10

    May 9th, 2017 Fort Lauderdale, FL

    After a divorce, I went through a lot of credit card issues that overwhelmed me. So I sought for help online, and found Freedom Debt Relief. The experience with them was very proficient, nice and reassuring. Before speaking to them, I felt like I was stuck, but after talking to the debt consultant, I felt relieved. They helped me get these people off my back, and shortly after that, I was finally able to concentrate at work without having a creditor calling me. It was very pleasant to know that they handled it all, and I’m very grateful that I chose them to help me. On top of that, I was very well informed throughout the entire process. Thanks to their professionals, I saved a lot of money. All I can say is that they have wonderful people working there. My credit card was taken care of, and in less than 2 months, I had everything paid off. Overall, the company is great!

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  15. User Score

    9

    May 9th, 2017 Indianapolis, IN

    I feel great; they helped me a lot, and I saved money. Communication was great, customer service was also great. They’ll contact you at least once or twice a month. If I ever needed something, I’d contact someone directly, so that was kind of good that I actually had someone, I wouldn’t say a personal number, but a phone where I can reach them anytime if I had any question with them. So that’s truly what grabbed my attention; everything was legit. It was easy to work with them. I did some research online before I actually signed up with them, and the person I spoke with the first time was detailed about all of the answers, all of the questions I asked them, and he was real nice. That’s why I chose Freedom Debt Relief.

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  16. User Score

    10

    May 9th, 2017 Noble, OK

    I signed up with Freedom Debt Relief because I was too overwhelmed by my debts and just almost shut down on what to do with it all. They do email and text to send updates; it’s hard on them, I’m sure, because I don’t do much with the computer and sometimes I don’t look at my email for days, because of my work. I think it’s wonderful, what they do. I tell anybody that about them. They’re always professional, very polite, supportive, and very good.

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  17. User Score

    10

    May 9th, 2017 Wailuku, HI

    I’ll definitely recommend them to someone thinking about bankruptcy or nervous about too many debt mistakes. I want to recommend them to my family, to join Freedom Debt Relief to solve their problems. It’s a very great program, the staff was helpful and it’s a very great company. I feel very comfortable and I’m not worried about the payments and then bankruptcy. It was a great experience, and their staff were very kind. I was very happy to sign up for the program. It’s for a long term but it was very helpful for negotiating with creditors, and then there’s no harassment so it makes me less nervous, so I’m very happy.

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  18. User Score

    10

    May 9th, 2017 Grand Junction, CO

    They are great company to work with, very caring; you feel like your needs are being heard and answered. I saw one of their ads on the internet one day when I was just browsing around. I hadn’t even thought about it, and I was just curious because I have some big credit card debt, and I called and they were great. They were very helpful in determining what I needed to do and how it would work. They kept me up to date either by phone calls or emails, and how I logged on to their portal to see where I’m at in the process. I absolutely saved money, and I feel relieved.

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  19. User Score

    10

    May 9th, 2017 Del Rio, TX

    It really helps; it’s a very good experience with all the help and all the education. Because I needed help to build my budgets, I was having a hard time getting out of my debt, but now I’m debt free and I’m just so happy that I manage my money better, and know how to spend it. I feel that I got educated on how to spend my money, and how to save money, which I’m 100% sure I did. It was perfect, they have the dashboard where I would go online and I could see everything that was happening and everything that was getting paid, everything that they were working on with me and the people I owed the money to. It was a great experience. If I needed help again I would go with them, and I would recommend it to my family and my friends. It is the best experience I’ve ever had, it really helped me out a lot.

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  20. User Score

    8

    May 9th, 2017 Lakeside, AZ

    It’s been cool working with these people, it really has. They’re great, they answer all my questions, not a problem at all, they’re really nice people. I had a whole bunch of bills, so it was kind of overwhelming. I saw an ad on TV and so I called them. When I first started out, they put it on on my tablet but I’m not a very good electronics person, so when they make progress on my debt they call me on the phone, and I appreciate it very much. I love it, I’m glad I did it. On my limited income it’s a little tough to have it deducted from my bank account every month, but it’s a lot cheaper than what I was paying before. I was paying $6700 a month on these debts that I have, and now I’m paying $300, so I’m happy. I did save quite a bit.

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