Freedom Debt Relief

My accounts had to go to past due status and I started to get those calls which I hated. I am not a bad person so I wrote a letter to each of my creditors and gave them FDR information and it stopped. I paid my payment faithfully for 4 years. They handled everything else. They will work with you if you have an issue and they support you and show you where you're at each month. I would highly recommend them if you're over your head and struggling. Pick up the phone and start your new life. I have learned how to manage the cards I have. I don’t spend more than I can afford when I wanted new furniture or lawnmower. I only buy something if it was interest free for 48, 24, 18 months and I always pay over the amount due as it helps knock the bill down faster.

Word of advice. Paying the minimum is what will get you in trouble again. For example I bought a new washer & dryer on a holiday weekend. It was $2000. Minimum payment $39.00. Interest free 18 months. I pay $200 and it will be paid off in 10 months. None of those extra interest charges and always pay early. Never late. You can have a credit card but be responsible. I always ask myself, "Do I need it or do I want it." I can’t thank the FDR family enough for all their help and support. Because I had no one I could borrow money from. I don’t come from a rich family just ordinary people and I didn’t want them knowing I got myself in a pickle. So if you're that person who is overwhelmed and the burden is getting too heavy to carry alone call FDR. Your shoulders will feel lighter.

You start seeing your credit score tanking and now you're really screwed (at least for a few years) cause no one is gonna give you any kind of credit. Stick it through, don't be dumb and get into any more debt, and in a few years you start seeing some improvement. But wait, there's more!! Now you start paying off a few here and there, then come the tax papers from said creditors. It's funny cause no one really tells you about this part. They send you a few emails where you can click on different stories, one of them being these forms (1099 I believe) they don't really make a big deal of them. But they are!

They count as extra income so they need to be added to your taxes. For some not a big deal, for me, it sucked. It was the difference in paying or getting a refund. So another thing to be careful of. They say that it's rare, but for me, every creditor sent me one. At the end of everything, though, I stuck it through and it's in the rearview mirror. Not living paycheck to paycheck anymore and definitely hoping to never do this again!! Hahaha! TLDR: stick it through till the end, don't get any new debt. Plan will work. Don't stick it through, keep getting more credit cards. Don't even bother doing this.

I did some searching and happened to catch the commercial on TV about Freedom Debt. I was given the opportunity to speak with a man named Cory **. Not only was he nice. But so very helpful. Personable, positive. He didn't treat me like a 3rd class citizen. He completely understood our position. And He literally made it his goal to help us. This problem we are in didn't happen overnight. But It is a problem we can solve. But, without Cory, this wouldn't be happening. Since speaking with him, we have things happening that will definitely secure our future. My husband got a phone call about a new contract. And I found a job that doesn't discriminate against my medical choice to not be vaccinated. So, I am finally going back to work. So, things are looking up.

Cory was able to help us get set up on a plan. To which, It won't takes us the time allotted to complete. Simply because, it seems that the good lord is looking out for us OR CORY is our good luck charm. Either way, I am embracing the new beginnings. Cory was so helpful, full of knowledge, And positive. And made signing up for this program very easy. I cannot thank Cory enough for what he has done and is doing for my family. I can finally breath and sleep at night knowing that we have a light at the end of the tunnel. I give Cory 10 stars. And look forward to clearing my debt and getting back on track for our future endeavors. Thank you Cory and Thank you Freedom Debt Relief. My family and I appreciate all you have done thus far, and what you will be doing.

During Covid I was often getting by on dollars. Paying to FDR was difficult at times, but I stayed with it, knowing that the alternative to seeing my debt going down, was to see it go up, and to be harassed and fined and threatened. I am graduating from FDR in 2 days. I couldn't be more grateful. I will never use credit again.

Sometimes when we want something we can't have, it's because we shouldn't have it. Changing my mind and my lifestyle has made me a different person - one more stable, more satisfied, and one less susceptible to falling victim to other people's schemes designed to take advantage of another person's unhappiness and dissatisfaction. That's for other people – not for me. Thank you Freedom Debt Relief, and all the people who make up your institution. You've changed my life and I couldn't be more grateful. Beyond financial help, the emotional uplift of your kindness and the hope of being debt free that you give to your clients is nothing shy of immeasurable.

If you are considering FDR, consider how much it will impact your whole life and the life of those you love when you trade desperation, harassment, and grief of credit for the kindness, help, and hope of credit resolution. FDR are saints! I recommend FDR, downsizing, and giving up credit forever to anyone who will listen. I hope you give it some thought and ultimately use FDR. You won't be sorry!

It would require trusting their negotiations and letting my credit cards go unpaid until a resolution was made. That was scary at first since I never had missed any payments and had excellent credit. It was rough gong for the first 3 or 4 months but soon I had my first settlement. I was notified by text and email and was able to accept it right from my phone. Whew. One down, four to go. I would get a settlement offer every 4-9 months so I knew they were working on negotiating with my creditors. I kept my part of the deal by making payments to my dedicated account (which were much less than what I’d have to pay all of my credit cards each month) and not paying anything towards those cards.

All through the process I was kept informed about what to expect and encouraged to stick with the program and not worry about my credit score since I knew I was responsible for the decline and I knew it would recover as I my debts were cleared. I learned a lot about my spending habits and how I could stay out of debt. It’s made me think carefully before deciding to buy. I’d recommend Freedom Debt Relief to anyone looking for a way out of debt, especially credit card debt. Listen to their methods and decide if you can deal with a moment of credit score drama in exchange for a lifetime of freedom from debt. I know it’s been worthwhile for me.