Freedom Debt Relief Reviews

They send regular updates of what they've accomplished and they let me know which accounts they're working on next, then they let me know the details of any settlements and the likely negotiated settlement of the next account they're working on. The settlements appear to be falling into a pattern where they're roughly settling for 50 cents on the dollar with these companies and I assume that that's going to be the continuation of that pattern. The account that I have with them is auto-paid, and they remind me to keep up the good work and stay current so they can get these settlements achieved. They also encourage visits to the websites but I only really do that after they report progress on a settlement.

I chose the best people in the industry, based on what I've heard that from bankers and lenders that I've spoken with on various occasions. They all seem to agree that Freedom Debt Relief is the best company in that segment of the industry. But I have some second thoughts on whether I could have personally negotiated the same sort of deal on my own. I don't mind paying a fee for those services, but I might have been able to achieve the same result on my own without the damage to my credit report. When joining their program, it's always going to be initially negative for anyone because you're encouraged to stop making your monthly payments, which will do immediate damage to your credit score.

I've been with FDR since October of last year. We've settled one debt. We've got two more in the pipeline, and it's still two out. The other thing is that I was told to realistically expect telephone calls and what to do if I get them. I like the fact that it was real. It wasn't like a fairy tale type of thing, which is going to lift me up and over and plop a million dollars in my lap.

Every person I've talked to at the organization has been polite. They have considered the question that I've had. I'm a salesperson in life, and I know when somebody’s trying to sell me. I'm not always happy when somebody's trying to sell me when I'm dealing with something like this. And nobody has tried to sell me.

A suggestion was made that I consider using Chime for my banking. And from what I understand, there's no connection between Chime and FDR. But I had had some issues with my credit union. They got hit with a virus and basically destroyed my account, and I needed to go somewhere where I could have some more control. And it's turned out to be a good referral.

FDR’s service has been excellent. Nobody is there holding your hand every day, but if I have questions, like for right now, I'm receiving notices from two of the debtors that I have that haven't gone in to be completely negotiated with. And when I call and ask questions, the person I've called has told me what I should do, and they know what they're talking about. And a lot of times, when I talk to them, I'll find out that they've been there six, seven years. And they're human beings.

They deposited that money that they agreed to settle on in my account. Then when I talked to American Express, I was even able to get American Express to come down another $300. So, it's less than what they thought. I just feel like some of that could get done quicker and cheaper. It was a good experience overall. They had a number I could call. I had an app on my phone that kept me updated. Also, I learned a lot through the process.

My dashboard has all my enrolled debt, dedicated account, program, resources and customer service. It gives you the phone number and if you call, they'll put you right through to an agent who can help. They don't assign anybody particular to your case, but they all know what they're doing. When you call, they go in and get right to it. They focus on what you need and help you.

So far, Freedom has paid off one account with JPMorgan Chase Bank and they sent me all the records. Their customer service has been excellent, and the representatives are professional, kind, and helpful. Working with them made my life a lot less stressful and reduced the calls from creditors once I told them I was affiliated with the program. Freedom Debt Relief does not charge you personally. They work their price with the bank that you're dealing with and it comes out of the total payoff. Everything has felt comfortable and not fraudulent. I trust them and am very pleased with the outcome and the way things are going.

The thing that tripped me out was Jen from my text message. At first, it looks like spam, or it could look like the bank trying to dupe me into something. I have since figured out that they should put in that if you get a text message from Jen from Freedom Debt Relief that it's official. The first time I got a text message, my jaw dropped because I was, "Are they trying to dupe me into something?" From the other bank system. But since then, when I went to call FDR back, it was official. That first text message threw me for a loop. But I became very comfortable knowing that they are doing something good, and it's not gonna raise my monthly. I want to settle. I tried for two years and made payments to Bank of America, but I was never gonna get out of the hole.