Freedom Debt Relief

Freedom's price is fair for what they've done, how they fixed things on my behalf and kept all the unnecessary calls off my back and the others' back as well. Most times you have other consumers trying to call and get some things paid off from them. But because I'm with Freedom Debt Relief, the other consumers can't call me. You're relaxed and you don't have to worry about, "Oh, my gosh. When's my next bill?" because you're paying on time with Freedom. Even if you have to skip a month that day, their team itself helps take care of you and relieve the stress off of you. It's almost like a big brother or a big sister.

I like the constant positive attitude of Freedom. Every time I had to call, I never got that judgy tone or that they woke up on the wrong side of the bed tone. They're always in like they had coffee or that first shot of the day. They're always in a great mood. That makes me excited about talking to them. I was referring my friends and family to them. Their website is easy to look at and they updated recently. It's easy to review what you've paid off and it gives you more drive to wanna pay things off earlier, if you're able to.

There was one time that Freedom called me about a year after being in the deal with them. They said I’ve been good about my payments and they could offer a loan to pay off everything and be done with it, and then I just make one payment to Freedom Debt Relief. It was gonna cost me $800 a month and I was barely able to make the 400 a month that I was paying them. It's just like me paying the credit cards off myself because the interest that they would have charged for that was ridiculous. So, I opted out of it and I’ve just been making my payments every month.

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.

I did some research and found Freedom Debt Relief online. FDR had great ratings and so many success stories that I decided to look into it. I had tried “debt consolidation” once before, in my 20s and it was a joke. FDR seemed different but I was still skeptical after some due diligence on my part, I called FDR. The person I spoke to answered my questions and explained how Freedom Debt Relief’s program worked for 45 minutes ~ FDR was 100% transparent from day one. I was accepted into the program and decided to commit ~ it was one of the best decisions I’ve ever made.

3.5 years later, after sticking to the program & making my deposits on time I am about to graduate with my $20,000 debt completely paid!!! FDR provides a service that, in my opinion, is invaluable. Yes, it took hard work and commitment on my part. No, it wasn’t always easy, but FDR was there every step of the way; always available to answer questions and offer guidance. If you are serious about settling your debts and committed to the process I promise you, Freedom Debt Relief will help you achieve your goals. I am forever grateful.

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.