Freedom Debt Relief Reviews
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About Freedom Debt Relief
Freedom Debt Relief (FDR) is a debt relief company with 4.5 out of 5 stars on our site, based on over 34,000 customer reviews. Founded in 2002, it provides debt settlement services and client education. Its fees range from 15% to 25% of the enrolled amount, depending on the state the client lives in and the amount of debt they enroll.
Visit www.freedomdebtrelief.com- Can help settle a variety of unsecured debts
- No fees until settlement reached
- Can cancel at any time without penalty
- Debt settlement can lower your credit score
- Some reports of communication issues
Helpful Reviews
Freedom Debt Relief is been a breath of fresh air to doing what they say they can do. I have 7 Creditors that will be settled. My 1st of 7 was done within 2 months. I'm ve...
I found FDR on some website, and then I talked to them. And they seemed quite reasonable. So, I went with them. So far, the experience with Freedom is going okay. They are happ...
How Freedom Debt Relief works
Freedom Debt Relief works by helping people who have experienced significant financial hardship negotiate their debts with their creditors to reduce how much they owe. It can help negotiate unsecured debts related to credit cards, personal loans and medical bills.
Here’s how the debt relief process works:
- Schedule a free evaluation. You’ll start by meeting with the company to discuss your debts and goals.
- Get a customized plan. Freedom Debt Relief will build a personalized debt relief plan for you.
- Negotiation. FDR will negotiate with your creditors to reduce your debts.
- Make deposits. While FDR negotiates your debts, you’ll make one monthly deposit to a dedicated account, which will be used to fund your settlements.
- Approve offers. You’ll need to approve settlement offers made on your behalf by Freedom Debt Relief.
- Pay creditors. Your creditors will be paid directly from your dedicated account.
Freedom Debt Relief’s program length typically ranges from 24 to 48 months, and you can track your progress through the online dashboard 24/7. Freedom Debt Relief also has a mobile app that allows you to track settlements, approve offers and monitor account progress in real time.
Additionally, you can cancel the program at any time without penalty, as long as you provide written notice of termination. If you cancel, you’ll get back the funds from your dedicated account, minus the fees for services you’ve already received.
How Freedom Debt Relief affects your credit score
Working with Freedom Debt Relief will negatively affect your credit score because you’ll generally need to stop paying your creditors during the debt settlement process so that FDR can successfully negotiate settlements on your behalf.
Over time, your credit should start to improve as you settle and pay off debts, thus reducing your total debts and improving your debt-to-income (DTI) ratio. Your credit score should also improve with consistent on-time payments.
Freedom Debt Relief cost
Freedom Debt Relief’s fees range from 15% to 25% of the enrolled debt amount. The specific fee you’ll pay varies depending on the state you live in and the amount of debt you enroll. When you enroll, a certified debt consultant will review your case, and you’ll get an exact percentage.
Freedom Debt Relief doesn’t charge upfront fees. Instead, fees are charged after a debt is settled, and you must approve each settlement before any fees are applied.
FAQ
What types of debt can Freedom Debt Relief help me with?
The types of debt Freedom Debt Relief can help you with include unsecured debts such as credit card debt, medical debt and personal loans. It also helps with private student loans and business debt on a case-by-case basis.
Does Freedom Debt Relief offer loans?
Yes, Freedom Debt Relief offers loans for debt consolidation through affiliated companies. As part of the evaluation process, it may recommend alternative options to debt settlement and refer you to its partner, Achieve.
What happens if a creditor sues me while in the program?
If a creditor sues you while in the program, Freedom Debt Relief may engage a Legal Partner Network attorney to help you negotiate a settlement with the creditor. The cost of this service is included in the program, provided you make all your deposits on time and in full.
How does Freedom Debt Relief compare to bankruptcy?
How Freedom Debt Relief compares to bankruptcy is that Freedom Debt Relief provides debt relief services, helping you to negotiate debts with your creditors, whereas bankruptcy is a court-ordered plan that discharges some of your debts. With bankruptcy, you may have to give up some of your belongings or be put on an aggressive repayment plan. Bankruptcy also has a more severe and longer impact on your credit score.
Still have questions?
Is Freedom Debt Relief legit?
Yes, Freedom Debt Relief is a legitimate debt settlement company that’s been in business since 2002. It’s a founding member of the Association for Consumer Debt Relief (ACDR). It claims to have served more than 1 million clients and resolved more than $20 billion in debt.
On our site, many reviewers have praised Freedom Debt Relief for its communication, transparency and support provided throughout the process. Many reviewers have also said that they would recommend the company, citing progress toward resolving their debt.
“My experience with Freedom Debt Relief was excellent from start to finish,” said Erik, a reviewer from Louisiana. “I was overwhelmed by debt and unsure of where to turn, but the team guided me through the process every step of the way. They were professional, knowledgeable, and always available to answer my questions. Thanks to their program, I was able to eliminate my debt and regain control of my finances.”
However, keep in mind that debt relief services will lower your credit score, and services are generally only recommended if you have significant debt, are unable to make more than minimum payments and are experiencing financial hardship.
Freedom Debt Relief Reviews
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Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
Reviewed Sept. 30, 2026
We are about 3 months away from being debt free! (Except our mortgage). It's been almost 48 months since we contacted Freedom Debt Relief and today it feels like just last week. Let me tell ya, we will never need FDR services again. This has taught us a lesson. We try to instill our experiences into our kids so they're not in the same situation when they reach retirement age. Now we can really enjoy our retirement years without all that debt dragging us down. Thanks Freedom Debt!
2022-2026
Being just 3 months away from total debt freedom after 48 months is a massive achievement! Hearing that you can now fully enjoy your retirement years without that heavy weight—and that you're passing those valuable financial lessons on to your kids—is the absolute best outcome imaginable. Thank you for letting us be part of your journey!
Reviewed Aug. 13, 2026
My experience with Freedom Debt Relief was excellent from start to finish. I was overwhelmed by debt and unsure of where to turn, but the team guided me through the process every step of the way. They were professional, knowledgeable, and always available to answer my questions. Thanks to their program, I was able to eliminate my debt and regain control of my finances. The process was straightforward, and they kept me informed throughout. Reaching my goal of becoming debt-free has lifted a huge weight off my shoulders, and I'm very grateful for the support and guidance I received. I highly recommend Freedom Debt Relief to anyone looking for a reliable and effective way to resolve their debt and achieve financial freedom.
We are thrilled to hear that our team was able to guide you effectively through the debt relief process, providing the support and knowledge you needed. It's wonderful that our program helped you eliminate your debt and regain financial control. We appreciate your recommendation and are grateful to have been part of your journey to financial freedom. We wish you all the best in the future! Thank you for choosing Freedom Debt Relief!
Reviewed Sept. 27, 2026
The team is very knowledgeable and patient. They walked me through the complete process and made sure that I understood how the program works, and my responsibilities to the program to make sure I reach my goal to becoming debt free, I was also introduced to the customer care team, which shared me that I had made the correct decision and they would be with me throughout the process to assist me with anything I may need to complete my journey to the fullest, they made me feel like I had nothing to worry about. It's awesome knowing that I have a team that really cares about my success at accomplishing my goal and finally being debt free.
Taking away that worry and giving you complete peace of mind is what we strive for every single day! Knowing our team gave you a clear roadmap and that you feel truly supported by Customer Care means the world to us. Thank you for sharing your experience with us!
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Reviewed Sept. 16, 2026
I am so happy with the progress of Freedom Debt, like all programs you get skeptical that it is going to work, I gave Freedom Debt 12 accounts and they have settled 4 of them already! in only 3 months time! I highly recommend them for your debt relief, it is a process and it is not a short one, just be patient and stay on top of your payments and if you can pay more please do so, it only accelerates your program for you to finish sooner.
Thank you for sharing your experience and insightful advice! Turning initial skepticism into tangible progress—settling four of twelve accounts in three months—demonstrates the strength of a dedicated plan. We appreciate your trust in Freedom Debt Relief and look forward to helping you resolve your remaining accounts.
Reviewed Sept. 14, 2026
Freedom Debt Relief explained the entire process to me and how it worked. Freedom Debt Relief has done everything they promised. They take the money out of my account as stated and do as they stated. The money is withdrawn from my account and saved up to pay off a debt they have worked a smaller loan amount due - exactly as they say it would be. They send me the offer to approve and then pay it as promised - my debt is being reworked and then paid off as promised and I can see my amount owed decreasing as they promised. The entire process is painless and handled as promised.
Trust is earned by doing what you say you're going to do, and we are so proud to have earned yours! Knowing that the dedicated savings, settlement approvals, and steady progress have made this journey painless for you is the best news possible. Thank you for being such a great partner on this path!
Reviewed Sept. 11, 2026
I was just going through Facebook and all these reels, and there were certain companies for debt relief and help. Freedom seemed to have gotten more of a lower price range, and they could help you within a few years to get rid of all your debt. I've tried others, but like them too, Freedom made a deal with me. Then three months into the deal, the deal changed. But Freedom is pretty much an all right company. They're on top of their game. They're doing their job. They already got me one debt in negotiations, and they already settled it. They're paying it off already. So, it's moving right along. They're not holding back or taking time more than they need. They're trying to get it over with as fast as possible.
I got my dashboard on my app. It's pretty easy to use. I'm not computer savvy or phone savvy. I'm from the '60s, so pretty much we didn't have nothing back then like this, but I can figure it out. The fees are pretty reasonable to me. The length of time is pretty reasonable, too. Freedom gives me the sense of knowing I'm going to get out of debt finally. Give them a try. You might like what you see or hear or what they can do for you.
We are so happy to hear that our program is helping you work towards a debt-free future while providing you a dashboard that's easy to navigate. It's fantastic to know that our team has been proactive in settling your debts quickly and efficiently. We appreciate your trust in us and are dedicated to continuing to support you throughout this journey. Please don't hesitate to reach out if you need any further assistance.
Reviewed Aug. 19, 2026
I used another person before and when I was looking things up, I heard really good reviews about Freedom Debt. So, then I called and the program was really good. Other than credit cards, I could go for other debt like medical. The customer support reps knew what they were talking about. I really liked talking to them because they were knowledgeable, and there was good communication between us. On the other hand, they could update the website a little so it's a little more of a clearer view of the website and the dashboard because I'm confused. I know that they took out a deposit even though apparently all my debt is paid off.
I was in the program almost four years and knowing that my financial concern was being taken care of was beneficial. Freedom Debt helped me realize that I was in so much debt, and it was going to help me get out of debt, which I am now. Now I'm gonna be able to go on and do things that I can do. I'd advise people considering Freedom Debt Relief to make sure they're ready to take on the responsibility and do it, so that way they can be completely out of debt in three to four years.
First, congratulations on achieving full debt freedom! Hearing how much relief you feel makes all the work worth it. We also take your feedback about the dashboard navigation seriously as we make improvements. Regarding your final deposit, we want to ensure everything is completely transparent. If you still have questions or concerns, please give us a call so we can clarify your account balance and wrap everything up smoothly for you. Thank you for sharing your journey and advice!
Reviewed Nov. 4, 2026
Thank you, Freedom Debt Relief. That is so stress less for me. I’m so grateful. One at a time, one day at a time. Thank you very much for being so awesome and helping me to live a better life and more stress stress less.
One day at a time toward a stress-free life—we love this mindset! Thank you for the wonderful feedback and for partnering with Freedom Debt Relief.
Reviewed Nov. 4, 2026
I like them because they expect everything. If I have a problem they help.
Navigating debt resolution comes with unexpected questions, and having a dedicated team ready to anticipate your needs and resolve issues quickly makes all the difference. We're proud to be in your corner—thank you for placing your trust in Freedom Debt Relief!
Reviewed Nov. 1, 2026
It took 4 yrs but it is done, freedom day has come.
Happy Freedom Day! Four years of patience and dedication have officially paid off, and we couldn't be happier or prouder to celebrate this massive milestone with you. Congratulations on crossing the finish line, and thank you for choosing Freedom Debt Relief!
Reviewed Oct. 30, 2026
This company is really great at working with you and trying to get all your accounts settled and paid for so you can ease your conscience!
Resolving debt is about so much more than just the numbers—it's about regaining your peace of mind and knowing your balances are being settled responsibly. We're proud to be in your corner every step of the way. Thank you for trusting Freedom Debt Relief!
Reviewed Oct. 30, 2026
I thought was "building credit"... But I was doing it all wrong. After incurring more debt than I could manage, I sought help. FREEDOM DEBT RELIEF eased my heavy burden. They consolidated, renegotiated, and completely manage all of my debt, which gave me the freedom to focus on other things in life. Relief describes it well; I now have some breathing room.
It's so easy to fall into the credit-building trap, and we're so glad we could help lift that heavy weight off your shoulders! Giving you that breathing room so you can focus on living your life is what it's all about. Thank you for choosing Freedom Debt Relief!
Reviewed Oct. 29, 2026
New to the program and just received my first settlement offer. I like the program so far, the worry and hassle are handled for you.
First settlement offer in hand and the hassle off your plate—we love to see it! Thank you for the great feedback and for partnering with Freedom Debt Relief.
Reviewed Oct. 29, 2026
I've been on this program for almost 2 months and only 1 creditor out of 10 have been contacted. I know this is early but this is an incredibly stressful process. I have almost $1200 in my account to negotiate with. I'm getting hounded constantly and I have reached out before to you to find out why it's taking so long and no answers. Once things change I will change my review.
We appreciate you reaching out, and are sorry to hear about your experience and not finding answers. We want to make sure you have the best contact information for us to help. The best method to review your program as a whole is to call our Client Services team. They are available 7-days a week at 800-655-6303 8:00am-9:00pm ET, and will be able to discuss various aspects of your program and go over what to expect. You may also contact our email support address at support@freedomdebtrelief.com. If you are reaching out via email, we also recommend checking your spam filters to ensure you receive our responses from the same address. There is also a lot of great information (including how to handle creditor calls) available on your Client Dashboard at fdrclient.com.
Reviewed Oct. 29, 2026
They did a good job of getting my first credit card value down
Securing that very first settlement is a huge milestone! We're thrilled to deliver real savings on that balance and look forward to keeping the momentum going. Thank you for choosing Freedom Debt Relief!
Reviewed Oct. 28, 2026
So far so good I am still very nervous. I know it is supposed to work but not paying a bill is not me.
It is completely normal to feel nervous—stepping away from routine payments feels unnatural when you've always paid on time! Trusting a new path takes courage, and our team is by your side every step of the way. If you ever need any help, Client Services is always here at 800-655-6303.
Reviewed Oct. 28, 2026
The representatives were very patient and detailed in explaining the processes.
Patience and clear details make all the difference when navigating your finances! We're so glad our representatives took the time to guide you thoroughly. Thank you for choosing Freedom Debt Relief!
Reviewed Oct. 27, 2026
Very good service and professionals workers. Gave me a very good solution to my issue.
Thank you for sharing your positive feedback! Providing professional, attentive service and developing effective solutions tailored to our clients' needs is fundamental to our mission at Freedom Debt Relief.
Reviewed Oct. 26, 2026
They are very understanding and patient. They take the time to explain the process. Great company.
Patience and understanding are at the heart of how we support our clients! We're so glad our team took the time to make every detail clear. Thank you for choosing Freedom Debt Relief!
Reviewed Oct. 26, 2026
FDR has been a pleasure with whom to work. I am very happy with their settlement.
Delivering strong settlement results while making the entire process smooth and supportive is what we strive for every day. Thank you for trusting Freedom Debt Relief with your journey!
Reviewed Oct. 25, 2026
Finally there’s help to negotiate settlements with creditors without me having to speak to them directly 🙏🏼😩💕
Thank you for sharing your feedback. Advocating on our clients' behalf to handle direct creditor negotiations and relieve daily stress is central to our mission at Freedom Debt Relief.
Reviewed Oct. 25, 2026
Great service. Explained everything to me. I would refer family & friends.
Clear communication is at the core of what we do, and there’s no higher compliment than referring the people you care about most. Thank you for choosing Freedom Debt Relief!
Reviewed Oct. 22, 2026
We did have some bills that we have paid off in there. Sent information showing that. Still waiting on a reply that it is to be taken off the list.
Hi Favio,
Thank you for reaching out. In order to proceed with any program changes, we request you contact our Client Services team at 800-655-6303 so we can verify the modifications are completed correctly. Our team is available 7 days a week 8:00am-9:00pm ET.
Reviewed Oct. 21, 2026
I would not recommend Freedom Debt Relief based on my experience trying to cancel their service. What should have been a simple cancellation turned into two frustrating phone calls filled with aggressive sales tactics and pressure to reconsider. Both representatives repeatedly tried to convince me to stay, despite my clearly stating that I had done my research, understood my options, and made my decision.
The second representative went as far as repeatedly criticizing the debt management program I had chosen instead. Even after I made it clear I wasn’t interested in debating my decision, she continued. She eventually placed me on hold mid-conversation, returned, and then the call disconnected before I received confirmation of my cancellation.
If you have to pressure, intimidate, or bully customers into keeping your service, that alone is a major red flag. Your program should speak for itself. I have absolutely no problem with a company explaining its services, but there is a difference between educating customers and refusing to respect their decisions. These aggressive retention tactics instantly destroyed any trust I had in this company. People seeking financial relief need transparency and support, not another source of stress. I would not recommend Freedom Debt Relief. If this is how they treat someone trying to leave, I have no interest in finding out how they handle anything else.
Thank you for sharing your experience with us. We apologize for the frustration you encountered while trying to cancel your service. It’s our priority to ensure that our interactions respect our customers’ decisions and provide the support and transparency they deserve. We regret that you felt pressured during your calls, and we take such feedback very seriously. We have assigned someone to look into your experience further. If you would like to discuss this more with a member of leadership, please call 800-655-6303, and you may request to be transferred.
Reviewed Oct. 21, 2026
Good job. Explained it well. The credit hit will be felt soon.
Glad everything was explained clearly! The credit dip is often a temporary part of the process, but becoming debt-free is the ultimate goal. Thank you for partnering with us!
Reviewed Oct. 21, 2026
Read the fine print... of course it's my fault for signing a contract with them, but when you're desperate. They settled my debt at 72% and then charged me a 25% settlement fee...They charged me 25% of a 35k loan as a settlement fee. They settled my debt and took the difference from the settlement and put it in their pockets...
Hi Elene,
We're sorry to hear you're unhappy with your program. You always have the final say on accepting any settlement and its associated fee before anything is collected. Please call Client Services at 800-655-6303 so we can look into your account and review your numbers directly.
Reviewed Oct. 21, 2026
I'm so happy that I found Freedom Debt Relief; I'm out of a whole lot of worries now. I feel like a different person.
Hi Marcus,
Fewer worries and a fresh start—we love to hear it! Thank you for the wonderful feedback and for partnering with Freedom Debt Relief.
Reviewed Oct. 19, 2026
The employees are very helpful and kind. I would recommend Freedom Debt to anyone who needs help.
Hi Joyce,
Kind, compassionate service is at the heart of everything we do. We're honored to support you and truly appreciate you recommending Freedom Debt Relief to others in need!
Reviewed Oct. 19, 2026
I was very happy with the service but I am constantly getting phone calls even on Sundays about my credit cards not being paid or negotiated.
Hi Kelly,
While creditors may continue outreach until negotiations are finalized, receiving persistent calls is understandably stressful. Please reach out to Client Services at 800-655-6303 so we can review the accounts contacting you and provide tools to help minimize these interruptions.
Reviewed Oct. 19, 2026
Not having to worry about not making payments on time.
Hi Maria,
Having a clear, structured plan without the constant anxiety of juggling payments makes all the difference. We're thrilled to provide that peace of mind. Thank you for trusting Freedom Debt Relief!
Reviewed Oct. 18, 2026
Settlements are slow to come, and when they do, they charge you their fees: 25% of the total debt amount. Not much of a savings when they only get you 30% relief. But don’t worry, they will tell you it’s more about getting out of debt sooner. I’ve found it’s more beneficial, when possible, to accept offers that your creditors send you. Most of the time, it’s 45-50% reduction where Freedom is getting 30-40%.
Hi Jeff,
Our settlement fees are strictly performance-based and only apply to settlements you authorize. If you receive a settlement offer directly from a creditor, we can often work with it to maximize your savings. We welcome you to contact Client Services at 800-655-6303 so we can review your negotiation strategy together.
Reviewed Oct. 17, 2026
I'm still totally confused about what I need to do. I don't know where I'm supposed to deposit these funds for this "account."
Getting started should never feel confusing, and we're here to make funding your dedicated account simple and stress-free. Please give Client Services a call at 800-655-6303 so a representative can walk you through the deposit process step-by-step.
Reviewed Oct. 15, 2026
Had a very pleasant conversation with Alan and he explained everything in detail. Then Chris helped with payment plan, very thorough. I would recommend to anyone having financial troubles.
We're so glad Alan and Chris provided the clear, thorough guidance you needed to set up the right payment plan! Thank you for the wonderful recommendation and for trusting Freedom Debt Relief.
Reviewed Oct. 15, 2026
So what they do not tell you about with all of this (small fine print), is that once they negotiate on your account(s), they will drain your “dedicated savings account” that is used to pay your creditors by immediately taking large lump-sum fees for settling a negotiated debt. They will not negotiate with any creditors until you accrue a bunch more money in that account.
Your future payments into your savings account, based off the payment they got you to agree to paying, goes towards paying the creditors that they made an agreement with. Any balance that now goes into your savings account to be used to negotiate any other creditors is minimal and will drag the process out longer. After they drain your balance to zero, then a loan person calls you to take out a loan (at a high interest rate) to pay off the creditors. The amount paid back on this loan is MORE than the balances you initially had when you applied and almost double of what they “settle” the accounts for. I wish I did not fall for this scam.
Hi Rob. We're sorry to hear you feel this way about the program and never want you feeling misled. If you would like to discuss your specific program details in depth, please contact our Client Services team at 800-655-6303.
Reviewed Oct. 14, 2026
One of the best choices I made. They have made my life easier
Taking the stress out of your day-to-day life is our top priority. Knowing our program has made such a positive difference means everything to our team. Thank you for partnering with us!
Reviewed Oct. 13, 2026
Excellent results, no longer spammed by creditors! Thank You
Quiet phones and real results—we love to hear it! Thank you for the wonderful feedback and for partnering with Freedom Debt Relief.
Reviewed Oct. 13, 2026
I am relieved to be getting out of debt, I could not do it alone and Freedom has been a major help.
Thank you for your feedback. Providing dedicated guidance and tangible relief so our clients never have to face debt alone is core to our mission at Freedom Debt Relief. We truly appreciate your trust in our team.
Reviewed Oct. 12, 2026
Freedom Debt Relief has allowed us to breathe. Our debt was mounting and almost impossible to pay down with little money left to pay for necessities. The agents have been unbelievably kind and understanding. I have spoken with numerous agents and each one has gone above to assist and simply listen. We are greatly appreciative of this organization.
Giving you room to breathe and simply listening when you need it most is what we are here for. We're so grateful for your kind words and honored to support you on the path to financial peace!
Reviewed Oct. 12, 2026
True, my experience for talking to your agent about my problems, for me I am satisfied for the help that he promised to me until I will settle down and paid out everything in a small amount that I needed to pay from your company and the agent told me that he will taking care of everything until I'm done with my problems. For me that was excellent.
Knowing our agent gave you such reassurance and personal support means the world to us! We’re committed to standing by your side until every account is resolved. Thank you for trusting Freedom Debt Relief!
Reviewed Oct. 11, 2026
I felt reassured that I would receive assistance to pay bills down, without a loan. It's important to me to be a part of the solution, going forward to resolution.
Being an active part of your debt-free journey makes every milestone that much more rewarding. We're proud to provide the tools and guidance you need without adding new debt. Thank you for trusting us!
Reviewed Oct. 11, 2026
Very professional and satisfying with everything FDR help me. Thank you so much for the hard work.
Thank you for the wonderful review! We're proud to work hard on your behalf and thrilled you're having such a positive experience.
Reviewed Oct. 9, 2026
Everything going as they explained it to me. Waiting on next account they are negotiating.
Having things go exactly as planned makes all the difference! Our team is hard at work negotiating that next account for you. Thank you for trusting Freedom Debt Relief!
Freedom Debt Relief Company Information
- Social media:
- Company Name:
- Freedom Debt Relief
- Company Type:
- Private
- Year Founded:
- 2002
- Address:
- 1875 S. Grant St., Ste. 300
- City:
- San Mateo
- State/Province:
- CA
- Postal Code:
- 94402
- Country:
- United States
- Website:
- www.freedomdebtrelief.com
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