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

  • 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 $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 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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1-(855) 982-1609
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218 Freedom Debt Relief Reviews

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  1. User Score

    10

    February 15th, 2017 Billings, MT

    I have had a wonderful experience. taken care of well and they answer all my questions. Great to work with and would recommend them to anyone.

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  2. User Score

    10

    February 12th, 2017

    Very professional ,helpful – best word to describe is “excellent “staff member ( Mr Peter S).

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  3. User Score

    10

    February 11th, 2017

    At first I was skeptical that something like this would work to help resolve my debt, but not even a year into the program over half my accounts have been settled! What a great company to work with!!

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  4. User Score

    9

    February 11th, 2017

    Rebecca was very nice and extremely helpful. It was a pleasure dealing with her.

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  5. User Score

    10

    February 8th, 2017 Houston, TX

    Freedom debt relief is the greatest so for they are helping get rid of my debts, and when I call they answers my question so I can understand it,

    Thank you freedom debt relief

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  6. User Score

    10

    February 8th, 2017 Vero Beach, FL

    From the beginning Freedom has made me feel that I chose the right way to handle my debt. Very helpful and understanding my situation and giving me hope that there is a light at the end of a very long tunnel. The process of becoming debt free was explained in depth and they are always available to answer any questions or concerns I may have. I would highly recommend their service to any of those that need help getting back on track.

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  7. User Score

    10

    February 8th, 2017

    I am extremely happy with the service that Freedom Debt Relief has given my debt issues. They handle my case very professionally and answer my questions and tell me my options. Thank you, all.

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  8. User Score

    10

    February 4th, 2017

    Services were explained precisely and any questions that came up were, and I’m sure that will come up are, conviently a phone call away and answered qucikly.

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  9. User Score

    10

    January 25th, 2017

    Overall am pleased with Freedom Debt . As long as I see improvemwnt my credit standing , and my debts are handled professionally and as promised, I am satisfied. I am glad I decided to go with Freedom Debt.

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  10. User Score

    10

    January 25th, 2017 Largo, FL

    In a society of uncertainty, Freedom Debt Relief personnel strive to assuage their clients anxieties throughout the entire process. I assigned four accounts for them to manage and within the first 8 months, they negotiated a settlement with one of these creditors. They do what they say they will do. That is difficult to achieve, unless your in business for the long run. J.H.

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  11. User Score

    10

    January 25th, 2017

    Thank you very. You are doing what u said u would do. And your customers service is wonderful. Im very happy and will tell others.

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  12. User Score

    10

    January 25th, 2017

    DUE TO A BUDGET CUT AT MY PLACE OF WORK, MY BILLS WERE GREATER THAN MY WAGES, TO THE POINT THAT I HAD TO USE ALL MY SAVINGS, BUT STILL IT WASN’T ENOUGH, MY DEBT BECAME BIGGER, LOOKING FOR A PERSONAL LOAN TO PAY OFF MY DEBT, THE SITE GIVEN ME THE FREEDOM DEBT RELIEF INFORMATION, SO, I CALLED, AND TO A GOOD SURPRISED, ALL THE BILLS GOT TO BE CONSOLIDATED, SO, IMMEDIATELY, I FELT I HUGE WEIGHT OFF MY BACK AND OFF MY SHOULDERS, THANKS TO YOUR GREAT SERVICE, AND THANKS TO THE ASSURANCE THAT THE CONSULTANT GIVEN ME THAT ALL WAS TO GET BETTER! THANKS FOR EVERYTHING YOU DONE FOR ME, I APPRECIATE IT ENDLESSLY!

    THANK YOU FREEDOM DEBT RELIEF TEAM FOR ALL YOU DO IN BEHALF OF THOSE IN TRUE NEED, GOD BLESS YOU ALL AND ALL YOUR ESTABLISHMENTS, ALWAYS!

    HOMMY NAVARRO

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  13. User Score

    10

    January 21st, 2017

    Had a lot of debt and they went above and beyond to help me through the process to get it reduced and into one easy payment.cat Parker was wonderful and kind and caring when I spoke with her. I’m going thru divorce and things will be tight and zi may not be able to make a payment and she said that was okay since they want me to pay rent and eat first. Hopefully I won’t have to miss a payment but cat made me realize that something’s are more important and that they would work with me anytime I needed help.

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  14. User Score

    8

    January 20th, 2017 Zephyrhills, FL

    VERY HELPFUL,MADE ME FEEL BETTER ABOUT SIGNING UP

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  15. User Score

    10

    January 17th, 2017

    After applying for a loan with Lending Club, I was recommended by AmOne and I was connected to Ms. Dorothy K and she was helpful in getting me enrolled in your program.

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  16. User Score

    10

    January 17th, 2017

    This is a winning company if you need help with your finances they will help you ,they keep you informed on the progress.

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  17. User Score

    10

    January 13th, 2017 Stafford, VA

    Casey is AWESOME! He is on top of things & never makes me feel like I am bothering him.
    He is very understanding & helpful. He is so knowledgeable about the program & he answers all my questions without ever making me feel stupid or making me feel like a total screw up for needing the programs help.
    I sincerely appreciate all that Casey has done to help me.

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  18. User Score

    9

    January 13th, 2017 Cedar Rapids, IA

    At first I had my doubts, but I decided to try with Freedom Debt Relief. Am I ever so glad I did. I am very very happy with my choice. People are wonderful to work with. They helped me through every little detail and made sure I had all my debtors together and now I am so less stress about my finances and collectors. Thank you very much Freedom Debt Relief.

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  19. User Score

    10

    January 12th, 2017 Bronx, NY

    Have to say I had one of the best representative yesterday when I inquired about the Freedom debt relief. She was so thorough and explained everything so clearly. Mrs. Sherry C was so helpful to me. Really was able to help me with my situation and I’m so thankful. Thank you so much for your help and guiding me through this so smoothly.

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  20. User Score

    10

    January 11th, 2017 Denver, CO

    About six months ago I had the pleasure of talking to Lauraine D. at that time I was recovering from surgery and she wished me a quick recovery and that she would check back with me. Lauraine did just that about five times each asking me how my health was and not so much about the program. I told her that I have more surgeries to do and that I was not going to do this at this time. she said let me give you my number in case you change your mind and again wished me the best with my medical problems. Well a few months went by and I was ready to go forward with the plan. But you guessed it I could not find her number so I looked at other programs out their but I kept thinking about Lauraine and how she made me feel like she really cared about me. So I have my whole family tare the house apart and still we could not find her number. So I’m at the point that I’m going to do a program with a different company. I had to pick up my mouse pad and you guessed it right there in plan sight was Larraine’s phone number so I called her and shared this story with her and now you have had chance to hear it for yourself. Oh by the way I know for sure I have to have at least two more surgeries. Lauraine said she would check in with me as I go and have them done. Thank you Lauraine

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