Freedom Debt Relief Reviews

After my complaint to the Better Business Bureau, about the fees and misrepresentation of my accounts, I was told to settle the complaint that my final account would be taken care of. I would no longer have to have any more draft amounts come out of my account. I had called to see the status of this account and I get told I have to come up with the money to settle this account. This is after the lady admitted to me that the customer service person misspoke, and she also said that I had enough in the account to pay off the account, at the time the customer service had told me. The other issue I have with this company is that I am being sued by one of my accounts. I was told that if I came up with 500.00 and they would speed the process to come up with a settlement. Well I got court papers and in and out of court, no thanks to the help of Debt Freedom Financial. They do like taking money for settling your accounts 25% of the settle amount so beware to who is going to use this service.

I happened to see a representative for Freedom Debt on the show Good Morning America and I felt if they was on a show like that they had to be reputable. I called them Sept 2010 and was finished with my plan Feb 2013. They represent those in debt in a way that no other can. They handle the creditors as well as legal threats. I can truly say I am very pleased with the outcome. I was close to $30,000 in debt and when I was done with the program I was completely debt free. Not owing a single creditor.

When I enrolled in this program I felt the world had been lifted off my shoulders and I would within two years be debt-free. Early into the program, I was sued by a creditor and after being told when I signed up the FDR would pay for my attorney to represent me in court, they told me that was MY responsibility. So in a panic to attempt a lawsuit, I withdrew my retirement to pay toward the debt program to expedite settlements. After providing them an additional 10,000.00 on top of the 6,000.00 that I had already paid in, and being told on four different occasions that all my accounts had been settled and I would be receiving about 70.00 in return/overage that I had paid in, when I called to cancel and get out of the program, they now tell me I owe them 3000.00 more dollars.

I have been with FDR for 2 years now. I had 6 accounts with a total of $16,000 in debt. In 2 years they have only gotten it down to 50%, so if you're looking for a quick turnaround time you will have to pour a lot of money at them. They don't tell you which debt they will work on first until it's already ready to be resolved, which can be good and bad. You don't get periodic updates about accounts and payments unless you miss one ;). The site information is not always updated and is very vague when it comes to where your account status really is. All in all I can say that it stops the annoying creditor calls and you can have a set payment for a while. But if you are not credit savvy and have no time to waste, I would suggest shopping around before making a decision to use them. Slow but effective.

I have a 3 to 4 year plan with them. I'm a year in and they settled 2 accounts. They’re actually making payments on them. The one they’re making same payment amount I was but for a lesser final amount owed, same with the other one. I was just issued papers to be sued on one account and just called and settled it myself. One of the accounts stated above that they took care of I was going to be sued by also. Reading the bad reviews have me worried now. Has anybody ever called and just canceled the program?? The 2 accounts they are working with I could just call and take them back over myself. So far it hasn't been bad experience. Just doesn't seem with what I'm paying it will work out in the end.

I signed up for a 3-year debt relief program and it was really a wonderful experience. Freedom did exactly as they said they would and settled 4 large debts that I had. Anytime I had a question, they were very helpful on the phone and always very pleasant. It was actually a wonderful experience.

Remember the saying that if something sounds too good to be true it's beware. Like most people the economic system of this time has caused a lot of good people in very poor financial straits. I was referred to FDR by a "friend". There is a big difference between marketing and customer service. Marketing (Sales Reps). Marketing will tell you anything except the pitfalls of the plan. Then when something doesn't work right Customer Service is right there on the phone explaining where you went wrong. It doesn't matter that you were not told the whole story of the plan. These reps seemed to be reading from a script and not listening to anything that you as a customer have to say. There are quite a few good reviews for FDR and I am very glad to know that some people have been greatly helped. I find myself in worse financial straits than before. Final words, please make sure you understand completely what you are getting yourself involved in before agreeing to have them represent you.

I am happy that I do not owe any organization right now. Thanks to FDR. It wasn't a very easy path but I am happy and relieved that I went through and it's over with. I did have my reservations about some of the customer service personnel I speak to during the course of the period I was enrolled in the program. Some of them make you think that you need them more than they need you and if you don't like it, you're doomed on top of your "sorry situation" in which you already are. No, no one said that to me directly but that is how I felt speaking to at least a few.

I have been with this company for years now. I have never missed or been late on a payment. When you join this company, you pay them a large fee to negotiate settlements for you. They are supposed to contact you when settlements have been made and update the website where it shows you the amount you have in your account, resolved and active negotiations, and your progress in becoming debt free. This information is not updated monthly, the amounts of savings, debts remaining, and even resolutions have not been accurate on my account.

I joined this program in 2009 to try and resolve our debt - we went in with $12,000 in debt and came out with $27,000 in debt. Two accounts were settled- (which we had to pay IRS fees on as income and we were actually having our wages garnished for a few of these creditors.) They just took our money and only contacted one of our creditors in 18 months. I would like a full refund of any monies paid as we had to pay 2000 dollars to file bankruptcy anyways and it ruined our credit. I did contact the companies on our so-called account with Freedom Debt Relief and at the time we cancelled account. Not one had been contacted by them except one. I feel this was a scam. I did contact Freedom Financial directly and they said they would look into but I really hope to be refunded.

We were enrolled in FDR's for 15 months. I had 8 accounts to settle. They settled 4 of them, and I settle the other 4 on my own and save a lot of money in settlement fees. I've got 6 more payments to pay on my last settlement. Yes FDR started me on the road to getting out of bad debt. Now I’m trying to repair my credit for not calling my credits myself. And no delaying payments to them. The 30, 60, 90, 120 day lates are a lot of red flags on my credit reports. That are a lot harder to get off of them than paying the credit cards off.

The program is way too long. Takes them years to get a deal done. They just wait and wait till payments have not been made for over a year and then they get one settled every blue moon! Customer service is a joke. You cannot even speak to anybody who tries to make the settlements for you with the credit card companies. I would never endorse you guys and never should have used you in the first place. I had to get angry with the last customer service agent to get something to happen. It said my last company was settled in an e-mail to me and then it was not settled. I chewed this guy out and lo and behold, it was settled shortly later.

Working with Freedom Debt Relief was the best thing I could have done. I owed so much on my credit cards and if it wasn't for this fabulous company, I would still be in debt... I couldn't have asked for a more compassionate and caring company to guide me to this new found debt freedom! I am always trying to pass the word on about this company and I will continue to do so with anyone that needs help. When dealing with debt, it can be very confusing, annoying and difficult to deal with, but this company is always there for you... from beginning to end!

I was very pleased with Freedom Debt Relief. They set a payment plan that was affordable for me. Freedom did all the negotiating for me. Freedom Debt Relief helped with my debt. I was really satisfied with the service. They helped by negotiating my debt and nearly cutting it in half. Freedom was very helpful getting me to get debt free. I would use it again if I was ever to get in debt again. Very pleased and satisfied with the service they provided!

They did not negotiate my debts. One person would say that they had an agreement and were waiting on paperwork. The next would say that they didn't. I was sued by a creditor and they basically said oh well, but they could set me up with a lawyer for an additional $500.00. Now I am at risk of losing everything I had to pay off this debt because Freedom did NOTHING for me, except take ALL my accounts and make them 3 months past due when most of them were current!! I asked to close my account and they kept it active and kept taking my money and their fees. Filing bankruptcy now to try and save my home and personal belongs.

From the beginning when we joined the program, we were committed to get out of debt. It was a struggle. Even with the reduced amount we were paying, it was difficult. We had to remember to stay frugal and keep on our goal. When we needed help, we called. The people on the other end of the phone always had the right answer. We were kept informed about pay-offs and we met our goal in about 4 years. After more than a year now, we are still out of debt. We have a credit card but use it careful and keep balance down or at zero. Thanks for all you did in working with our creditors and getting us where we are today.

I went through and followed the Freedom Debt Relief program back in 2007. With the combination of their excellent program along with the amazing communication and guidance from their team, I was debt free in under a year! Freedom Debt Relief delivered on their promise! Thank you so much and keep up the great work!

I have been enrolled in the program for 43 months and there is no end in sight. It was supposed to be finished in May 2012 and no one can give me a reason why one account's settlement fell through. I only had two accounts to start with. I have made repeated calls and was told the account would "be escalated" which promised a call back within 2 business days. Seven weeks later, no return call. I have made timely payments for 43 months, which is ironic because these payments do not count with the credit bureaus and improve my credit score. I should have taken care of it myself. I paid Freedom a huge fee up front for very poor customer service and very little else in return.

First of all, the offers to be accepted were awesome. The process was way too long, when they told me it would be the end of what it was supposed to be, but extending the time was not good. In the end, it was worth it because my debt is free and I ended up having a new condo after taking a year to build my credit.

Back in November 2012, I called Freedom Debt Relief to set up payments. On March 7, I received a settlement offer for my card. On March 8, they recovered another settlement offer agreement. I found out that they backed out of one agreement. On May 2, I called them up to ask why there was no payment made on one account. They gave me a check number, but Capital One had no record of it. I kept calling back for one week, and they never gave me an answer why there was no payment. On May 10, I called to get out of the program. I called Capital One and six other accounts. They gave me the same deal that they gave Freedom Debt, which was 50 percent off balance. I called Citibank and I owed $11,000 on the account. They settled with me for $2,600. That would have been freedom debt settlement that they get before payment is made. They get 23% of your balance.

I had a good experience with Freedom Debt Relief. They were very helpful, extremely understanding and kind. This process can be very frustrating and the people at Freedom Debt Relief were patient and gave great guidance. When creditors were harassing me, they calmed my nerves and helped me deal with the credit calls. I could not have become debt-free without this program and the people at Freedom Debt Relief.

Overall, I'd recommend Freedom Debt Relief. They did exactly what they said they would do, that is, set up a program to eradicate my debt in 36 months while handling the communication with my creditors. What I found out after I completed the program is that my credit worthiness was restored rather quickly. That's an important thing to share with those considering debt solutions. If there is one thing that could have improved my experience, it would be communication related to milestones achieved during the program. For example, when I learned one of my creditors was near settlement, I asked when to expect another creditor to do the same. To my surprise, the other creditor in question had already settled. I hadn't been made aware of that. Besides this example, I was left to figure out some nuances during the course of the program that I felt should have been explained to me. In the end, however, the program was effective and worked very well for me. I'm glad I chose this course of action for my credit debt problems.

Thank you for helping me become debt free! I owe nothing now but lost my home in a short sale. I am starting to build my credit and life is much easier without the debt. Chase was difficult... They would not work with you and I had to go to court. In the end, it all worked out.

I just like to tell everyone it works. It takes time and understanding that it will be all over in months. Don't ever panic because everyone at Freedom Debt Relief is there for as long as it takes. I went through the program in 14 months, and now it feels great to have that burden off my shoulders. Thank you, Freedom Debt Relief. Now I'm really free and will never go back.

I had about $26,000 in debt and I paid about a third of it through payments in about 3 years' time. I am very happy with the service and would highly recommend it. The service was always there when I needed them and they worked to resolve my debts. There was one last debt I was getting ready to go to court to settle. The service worked with the bank and they cancelled the debt. The only thing I had trouble with was several of the debts that were paid off were turned into the IRS and I had to pay a good bit of income tax on them. That was difficult. The service fee I paid them was worth every penny. I am now debt-free.

This company saved my life and my credit. My credit cards had such big finance charges I would never have been able to keep up. They put me on a payment plan. Slowly, with their help, one by one settled for an amount that I could pay back. I know you have to pay Debt Relief their charges first, but it's worth it. If you stick with them, be patient, make your payments on time; they do a great job. If you have a question, they are quick to help. Best thing I ever did was to give them a call. Love them. They will help you.

I am a very happy graduate of Freedom Debt Relief. The customer service was excellent. They helped me eliminate over 80% of my credit card debt as promised. The target time frame was 24 months and 24 months later, I was almost credit card debt-free. I would recommend them to anyone.

After I initially contacted Freedom Debt Relief, family members told me it was a terrible idea and would ruin my credit. So when the rep called me, I was frosty and hung up. He called back 3 times because he knew I was in trouble. The last time he asked me to just listen to him, and I realized he was right and I was wrong. My high credit rate was not going to help me because I had so many credit cards - all I did was just pay the minimum. I was going in a circle to nowhere. I signed on and Freedom Debt Relief guided me back from debt.

If I could go back in time, I wouldn't do anything different when it comes to choosing Freedom Debt Relief to help me take care of the credit card debt left by my ex-husband. They were always so kind and helpful with all my needs and questions. One time, a debt collector was being very rude and mean to me, had me almost in tears... and one of your representatives got on the phone with us, and totally took over the conversation for me. I really appreciated it. Thank you so much!

My wife had suggested that I look into Freedom Debt Relief. After researching, we decided to give them a try as nothing we were doing was working with our creditors. We had a wonderful experience with this company and were amazed at the wonderful customer service we received. The staff were patient and answered all of our questions. We also had to work with the legal team and they were stellar in their experience and advice. We are so thankful for the help we received from Freedom Debt Relief in helping us clear up our debt.

Freedom Debt helped me in a way that I couldn't have imagined. I never could have done this on my own. They made it simple, comforting and worry-free. Their tips have helped me stay debt-free long after I have finished with their services. Thank you for giving me my life back!

I came to Freedom Financial in 2008. The economy was doing badly, and I had over $71,000 in credit card debt owed to 4 different accounts. Within 8 months, I had received an email of congratulations for my first account being settled for approximately 64% of its value. The next account was more aggressive, and about 6 months after my first settlement, I was being threatened with being dragged into court. I was even served papers. Your company was unable to help. At the time, I felt this was a failure on your part as I was looking to your company for help in my financial strife. As time went on, I learned that you are limited by laws in what you can do. What was a failure, however, was your lack of ability to give me advice or knowledge in regards to events like this. A little pre-warning and preparation could have prevented lots of problems for me. As it was, I was forced to get a loan in order to pay off the second account and stay out of court... At this point, your company began to fail even more in my case in regards to customer service.

I just got an email this week congratulating me for finishing the program, the one I finished 5 years ago... They tell you to quit making payments to creditors, you fall delinquent (which I already was). They set up an account for you in which you deposit funds where part of the funds is a fee for them, then they haggle with the creditors on how much you can pay. All of my accounts except 1, started at 7k and ended at 13k. I was taken to court, sued, and FDR did not help me. I was on my own. Then a few months ago, I got a letter for a class action lawsuit stating that FDR is wrongfully collecting fees. Don't use them.

I thought this service would help me in the long run, but it has done nothing but hurt my credit. I was in a bad place and needed help financially. WRONG place to have gone to. I would never recommend you to anyone needing help. I do know that I will not make a difference in your services.

The long-term costs involved with participating in a program with Freedom Debt Relief are not justified. Becoming involved with other banks and financial entities that were required as part of the program presented a lot of hidden costs. But by far, the worst is the lack of information about charged-off amounts being reported as income on a 1099-C, and then being forced to pay about 50% tax to State and Federal on those amounts. The charged-off amounts were mostly for late fees, penalties, and interest that were charged 'after' becoming a program member, and could have been avoided by settling outstanding balances sooner. When asking FDR for assistance with all of the additional taxes from the 1099-C's (which I never saw because the forms were sent to FDR), I was told I would have to start a new program and pay even more money to FDR. I am sorry to say this but I looked to FDR to help me out of a difficult situation and instead, I feel like I was just taken advantage of.

I contacted FDR today and was highly dissatisfied when I found out that they are exceeding the 21% settlement fee as promised. Although the fee will balance in the end to equal 21%, they are YTD at 58% going to FDR fees instead of the settle to the debtor which is only at 42% of total payments. They have depleted all funds deposited made into the reserve savings account with crossroads to pay their fees first. By depleting the account and taking more than the 21% as agreed, they have been a contributing factor in jeopardizing the payment of the settlement to the debtor. As a debt management company, they should maintain enough funds in the reserve savings account to ensure the next payment on the settlement is able to be made on time.

Working with Freedom Debt was overall not too bad. They did cut our monthly payment from $600 a month to $200, which helped us get caught up after a very hard year with family situations. The only downfall for us is one of the creditors that were submitted to the program, who we were told not to talk with and to stop paying, ended up taking us to court! So after the first 3 months, we were back to paying $400 a month total since we were paying Freedom and then also the judgment against us, which is still on my husband's credit report. The other creditors dealt with the program much better. Overall, we were mostly satisfied.

Thanks to Freedom Debt Relief, I am debt-free! They were always just a phone call away and was always friendly and helpful. My debt was not only completed in the time frame they suggested, but was complete a month before the estimate date. They also will put a chart on the computer for you to follow to see which creditor was completed. Give your debts to them and they take the problems of all the creditors calling you and a monthly amount according to your budget a month, so you are able to feel some type of relief while going through this process. They are A+ in my world.

We are so thankful that Freedom has helped us. The economy got bad and when you just bring in so much money a month, you can only pay what you can. I did not want to just not pay my bills because I did not think it would be fair. So I wanted to try and pay what I could but did not know how to do it and people would call and demand their money. We talked to Freedom. They stopped the phone calls and in three years that saved us over fifty percent of what we owed and was done with the program. I would recommend them to anybody. Thanks for everything.

Freedom Debt Relief has given me my life back. Before them I was sad and depressed, living week to week and month to month. At 24 months later, I am completely debt-free. It would have taken me 10 years to do what they did in 2 years. I hope you can give someone else their life back also.

I followed the program, eliminated debt without bankruptcy, now I am fully credit-worthy again. I definitely would recommend Freedom for anyone looking to reduce/eliminate credit card debt. It's easy to work with and the results are no debt, no stress. I am more than happy that I chose Freedom from Debt to help me resolve my debt issues.

I was extremely happy with the professional, caring Customer Service representatives. They were always very considerate and helpful with all my questions. Once the program was in place, making one monthly payment to Freedom made things a lot easier to control. It was exciting to see my accounts being paid off one by one. I had one small glitch that was handled promptly with little or no follow-up. Glad to say I am debt-free for the last 3 years!

My friend suggested to check out Freedom Debt and it was the best thing I ever did. I was choking in $49,000 of debt. They gave me an affordable monthly payment plan and 30 months later after paying off $25,000 ($4,000 was f.d. Fee), I'm happy to be debt free and within 6 months I had American Express giving me a card. Absolutely the best decision I have ever made!!

I am very satisfied with the treatment I received from Freedom Debt Relief. It was a great comfort for me to be "insulated' from my past creditors through the professional reputation that comes with being a client of FDR. Even in the face of a lawsuit by one persistent creditor, the fact that I was successfully dealing with all other creditors was a swaying factor in the case being dropped, and the debt being satisfactorily satisfied.

I was not sure how the program worked at first and was worried. After completion, I'm satisfied with results and my wife's is now in the process. She is also worried about the outcome. I do tell her to wait and stay on course; it will get done. Thanks for your help. I could not have done this without y'all.

I was getting bad credit until I went with this program and they helped me to get my life back and get good credit again. Now, I just bought my son a new car and I'm trying to get a house. I do recommend this program to anybody trying to get their life back and their dreams. Give Freedom Debt Relief a call now and get your life back.

They did what they promised. They were clear from the very beginning as to what actions I needed to take to get my financial house in order. Now six months after completing the program, I am paying all my credit card bills in full each month for the first time in ten years. Thank you, Freedom Financial!

Service I received when I called in was fair. However, it was very hard to determine when the payments would be final and when the final settlements were reached. They were also late in getting me statements for taxes for the amount written off, which required me to pay in more after the fact. Also, the impact to my credit was more than I was originally led to believe.

My debt was created because my husband became very sick and insurance didn't cover all costs. I tried to make payments and was doing okay until I made one credit card payment 10 minutes late and the interest rate went sky-high! They would not negotiate with me. I called Freedom Debt Relief and I'm so glad I did. They took over and no more phone calls from creditors. My stress level went way down and I only had one small payment to make each month. I could concentrate on work and my husband's health. I'm not at all sorry I did this. My credit is already improving. We've bought a home in Montana and are getting ready to retire. Thank you so much, Freedom Debt Relief!

I was glad to have gotten my debts paid. But Freedom Financial caused me more stress than I was already under. My first settlement was paid late, hence sent back from the creditor, and I had to pay $800 more to settle on the debt. Freedom did nothing to help with this cost! This was Freedom's mistake, NOT mine! There were several other issues with my accounts. During my enrollment with Freedom, I came into a small sum of money. I paid Freedom a $12,000 chunk of money to help settle my debts and it was such a headache dealing with customer care people that didn't even know how to answer my questions or they didn't know what they were doing. I even had a care rep yell at me and he was very rude during the call.

This is to inform you about the horrible services or lack thereof from Freedom Debt Relief. They misrepresented my account and were negligent in following through to resolve my last and final debt. Also in reviewing and investigating this matter, it appears that one of their representatives fraudulently forged my husband's signature on a section of the contract. Since I have brought this information to their attention, they have done nothing to resolve this matter. They have not answered any of my questions to my satisfaction. They have also not provided me supporting documents or information to disprove my allegations. In March 2010, we went to Freedom Debt Relief for assistance. My husband experienced a partial layoff and we had a serious family illness. Unfortunately, that was all it took to create a financial crisis for our family.

Freedom Debt eliminates the stress, fear, and hassle of trying to deal with overdue debts. They make it easy for you to pay off your debts with a single, affordable monthly payment. If you have trouble making a payment, they do all they can to help, including reminding you of your priorities in terms of getting out from under your debt. Thinking a car repair or another emergency expense is more important than your monthly bills is what gets many of us into debt in the first place. Freedom Debt counselors are very friendly and understanding as they help you to find a way to navigate these, and other issues, on your path to debt freedom. I'd recommend them to anyone.

I could have never done it without you. I recommend this program for everyone who had debt and needs help. They helped me get free from mine. I love the way they send me birthday cards. I love Freedom Debt. I recommend them to everyone. I cannot thank you enough.

Thank you, Freedom Debt Relief. If not for your help, I would have never been able to afford my credit card monthly payments. I also would never have been able to pay them off. Being out of work and not being able to find a job has caused a lot of stress in my life. Being credit card debt-free is a relief. Thank you again.

My brother contacted me and after he agreed to pay off my two creditors, he was listed with a bad credit report as well as me. The credit cards from Discover, and I'm not sure of the other at the moment, had some charges by him. But the cards were in MY Name (Wanda **) not James **. But he agreed to pay the indebtedness, which was done, but then he was listed as a bad credit through those reporting agencies. Please have this corrected! Immediately, we were not informed of him listed as the card holder, and have not heard from anyone since this was paid off!!! The above email is my brother’s. I don't know how things got this confused. My address is **. Check your records and get him removed please.

I think that you should follow up with your account longer. I think it is unfair that as soon as the course is taken and finished, you stop everything. I had received a 1099 form and sent an email to see if it was duplicated and was to contact the financial institution myself. Do not leave your clients hanging out there.

Heavily in debt, my wife and I were struggling to make payments to too many credit cards each month due to a failure of an internet business. With a part time job and our Social Security checks, we could not see any end of bill collector calls and daily letters asking for payments. After hearing an advertisement for Freedom Debt Relief on a local radio station from Tom Sullivan, whom I respected highly, we chose to accept Freedom Debt Relief's offer of help. Thanks, Freedom Debt Relief. We couldn't have made it without you. If you are in the same condition as we were, what are you waiting for? Call Freedom Debt Relief now.

I was very happy with the service Freedom provided. I should have done it sooner. I just wish I would have known you have to pay income taxes on all the money you don't pay your creditors. I did not realize this until after I started the programs. Even after one creditor sued me, they told me how sorry they were after the settlement!

I searched high and low for something like this and when I found it, I could not have been happier. It really did help in so many ways! Customer service, products available and overall time of responses were all things that made this company excel! If it was not for FDR, I don't know where I would be right now, still struggling probably and hating it.

I loved the program until I got a 1099 form for the differences paid for taxes. I ended up owing over $11,000 due to not knowing the law and knowledge of having to pay back the difference of what I saved from the creditor. In the end, I ended up paying the same amount that I saved from paying the creditors. Also be careful of Discover. They are not willing to work with you!

I really had a great experience with them. They did resolve my debt in a pretty reasonable time.

Everyone at Freedom Debt Relief were professional, courteous and very informative whenever I called in to ask any questions about my account. The friendly staff are always available to ask any questions and they seemed to always have the right answers. I would highly recommend anyone interested in getting out of debt within a reasonable amount of time to give them a try. I started the program in November 2009 and they settled 6 credit card accounts for me within 3 years. What a relief it is to now be debt-free!

Freedom Debt Relief changed my life, and truly gave me back my freedom. They worked with me and communicated with me effectively and thoughtfully throughout the process, providing caring, quick, helpful customer service when I needed it. I trusted them and their program, and they proved that I was right to trust them. I am so grateful. They were always realistic about what to expect and informative about what was happening with my account.

I was in debt for almost 30 years of my life, living off credit cards and personal loans. After my job of 32 years was outsourced, I became very nervous about my debt of almost 100k. I needed help and that was when I find out about Freedom Debt Relief. I called them and they were very nice, professional and helpful, and I made up my mind that it's now or never or go bankrupt. After a few conversations by phone, they made a plan, and after 36 months, I could not believe I was debt-free. God bless everybody at Freedom Debt Relief.

I was asked how long I wanted to take to become debt-free. I selected a 2-year program. That did not happen. After 2 yrs. of large monthly payments, I was told I had one remaining loan. It would take 4 additional months to end my program. After the 4 months were completed, they continued to take money out of my TD Bank account. I had to close the account to stop the transaction. It took about 30 days plus a complaint letter to the BBB; then my money was refunded.

Freedom Financial was a great tool in helping get out of the burden of debt. Freedom Financial was a great tool, and it took about four years to get out of debt, but it's off my back now. I'm debt-free now. It's great to have Freedom Financial for their support and help. Thanks, guys.

Overall, I was very pleased with Freedom Debt Relief. They took care of settling the credit cards. My concerns are: I wish they would have told me which credit card companies are very reluctant to settle. I was actually sued by a credit card company I listed with Freedom. This is a very black mark that is more harmful than the settling on credit cards. When I looked at my credit report afterwards, I noticed the numerous wrong addresses the credit reports had listed for me.

Freedom does a great job of selling the program to you. They do a great job of getting you started on saving to pay your debts. Where they lack heavily is in customer care. I called many times for advice on what to do regarding a creditor taking me to court. All they could say was they were not lawyers so could not give advice. This is not what I wanted to hear. I would not like their legal advice but one would think they could give experience advice, as I am sure this happens a lot. So don't be fooled into thinking your creditors will not take you to court because they will and Freedom Debt will not be there for you. So I ended up taking a loan and paying this problem off, which is what I should have done in the first place. Would I recommend this company? NO.

After two years working with FDR and $14,000 paid into it, they only had one account for $1400 settled, and one account in a "structured settlement". I had two other accounts left to settle, but one of those decided to sue me so I had to quit FDR and file for bankruptcy. I had received several notices from a lawyer and passed all of them onto FDR and FDR told me to "ignore them". Needless to say, that led to them suing me. As all of this was happening, I was wondering where all my money was going so I asked FDR for a detailed statement showing where every dollar went, and to my surprise, FDR had collected all of their fees, nearly $8k out of the $14k I had paid in. FDR said I would need to pay more if I wanted to settle the two remaining accounts.

I don't know what I would've done if Freedom Debt Relief hadn't come along for me. I had just gotten through a nasty divorce after 28 years of marriage and 6 children! I had a mountain of debt trying to keep the kids from feeling the crunch and trying to maintain a two-income lifestyle. Freedom Debt helped me pay off $71k of debt in 18 mos, restored creditors faith in me, and 6 mos after graduating from their program, I bought a home since my ex got ours in the divorce. Then my kids told me we weren't "homeless". I didn't realize they thought we were homeless because we had been forced to live in an apartment. :(

I am a graduate, however have not heard from you since the day I finished the program. I was told you would help me build my credit after I was done with the program. Second of all, my experience with your team of experts was not so wonderful, as I was told many different things by several different people. No one was on the same page regarding specific topics. Your negotiators take way too long and drag out the process and I would not recommend you to anyone for this reason. As matter of fact, I have deterred a few people from using you.

We signed up for Freedom Financial to see if we could prevent bankruptcy. We had just moved to TX and still had property in IL that we could not sell and paying for 2 properties almost did us in. We used our credit cards to make ends meet and then we were both working to make payments and never could get caught up. We called and talked to them and they explained how it worked. We decided this would be best route or bankruptcy was in our future. We were able to reduce our debt by considerable amount and faster than anticipated. They said 3 years but it was taken care of in about 1.5 years. Granted it is still affecting our credit but not for much longer and we can deal with that. We have minimal debt and have money to do the extras we never thought we could.

I was happy with the outcome and with my experiences with nearly all of Freedom Financial negotiators. All of my debt was reduced and dealt with in a timely manner. My only complaint came at the beginning of each year when I was notified that a 1099 was submitted showing the difference between my actual bill and what I settled for. I knew that I would receive a 1099, but I did not receive a notice until April 10, 2013, and my taxes had already been paid. Everyone else has to mail their 1099s by Jan. 31st.

If you are having financial issues, Freedom Debt Relief would be the way to go. They helped me out so much when I needed it the most. I was so tired of debt collectors calling me and not being able to make it. Sometimes, I would have to make decision to pay a bill or get food. With Freedom Debt Relief, I had one monthly payment, they took care of the rest. My experience with Freedom Debt Relief was awesome.

I was very skeptical about any debt consolidation company. I have to hand it to Freedom Financial. They did what they said they were going to do and did it sooner than we thought. They settled our $12,000 debt for $3,500 - 25% of what I owed. Of course, with any services, you have to pay fees, which in the end was worth it, because they took all the harassing phone calls and letters away and gave me my peace of mind back. Thank you.

My wife and I owed in excess of probably $30,000 when the market suddenly collapsed. We had made some risky investments and got caught short when the economy shifted. Debt Relief got the creditors to accept literally pennies on a dollar. We will always be grateful to them for this. Now I need them to help me get my credit back up to par.

We got out of the program because 4 out of 5 of our creditors would not work with Freedom, and one even took us to court. All in all, the experience ended up costing us more money than if we would have just gone to the bank and got a loan and settled with the companies ourselves in the first place. Also, it took forever to get things completed with Freedom because no one knew what the other one was doing within the same company. So no, we were not in any way, shape, or form, happy with our experience.

We were so far in debt due to having to take a short sale on our home in 2008. Even trying to pay a little extra on our credit card bills didn't help. We were "robbing Peter to pay Paul".

After being in the FDR program and negotiating my credit card debt, I finally made all payments and graduated. Several months later, I was notified that the debt that FDR negotiated with my credit card companies was not removed after all. This debt was submitted to the IRS, and now I am having to pay the federal government money.

I was able to consolidate several of my credit card debts together and get this resolved in less than 3 years. If I had tried to pay off all of these debts in a normal fashion, it could have taken 10 years or longer. This has given me and my wife financial freedom that we didn't have for so long.

I'm very happy with what they did for me - they got me completely out of debt in a short time and took care of all the headaches of dealing with collectors. I would recommend them to anyone wanting out of debt. They took a lot of stress off of me at a time when I needed it - they do everything they claim to do.

The program was alright. A couple things: It was supposed to take three years, and in actuality, it was more like five or six. I had to request for the final papers a number of times.

Joining Freedom Debt was the smartest thing I've ever done. They helped me settle over $30,000 worth of debt in 3 years. If I had not found this organization, I would be in debt until I die. I recommend them to all my friends who are in debt. God bless the Freedom Debt Organization.

I will never recommend Freedom Financial to anybody! First, I'm the one that had to do most of the work, actually calling the credit cards myself. Second, you ruined my credit. That was not what I signed up for at all. Third, I could've worked with the credit card people myself and they would've helped me. They were not the enemy, Freedom Financial is the enemy. So, in conclusion, I would not recommend this company to my worst enemy. I hope you don't try to help anyone else, you ruined my credit, and I could've done better going through the credit card companies myself.

I was struggling making the minimum payments each month. I was receiving harassing phone calls both at work and at home from creditors. I saw Freedom's ad on TV and decided to give them a call to see if they could help. Help they did. They were truly amazing. I would recommend them to anyone who would ask about them.

Freedom Debt Relief was a lifesaver to me. I had undergone some medical setbacks and my bills had gotten behind. I turned all of it over to FDR and after a couple of months the payments to the debts I owed were getting paid. I never had to deal with any of the debtors, so the phone was not ringing off the wall. I would recommend this to anyone serious about getting out of debt. I did it in 3 years, which was outstanding!

I received good service throughout my contract with Freedom. They negotiated my accounts down so I had to pay about one third of what I owed. The only problem I had with Freedom was that customer service did not demand a paid in full statement on one my accounts after the account was paid. So that account was never credited to being paid. So a few years later I had to pay an extra $800 to close the account. Otherwise I was happy with the job Freedom did for me and I would recommend them to my friends.

Freedom Debt Relief did exactly what they said they would do: Get rid of your credit card debt. On the average they saved us about fifty percent overall. The one thing I would warn you about is that the IRS will tax you on any money saved on credit card. If you have a bill for $7000 and Freedom Debt Relief got it down to $3500, the IRS would look at the other $3500 as income that you made. That was in no way Freedom Debt Relief’s fault. They warned us that this would happen. So overall after taxes you save about 40%. The one important thing they do is stop the banks from raising your debt. Once you sign up, there will be no more late fees or interest added to your bills.

I would highly recommend Freedom Debt Relief. Every time I had a question and contacted Customer Service, every representative was so helpful and never made me feel embarrassed about our financial situation. They worked with us and the website was very helpful in watching our debt go down. We are now debt free and it is certainly because of Freedom Debt Relief.

Customers and potential customers need to know the not so wonderful side of Freedom Debt Relief. I would love to discuss and resolve my issues with Freedom Debt Relief. I just can't find anybody with authority enough to do it. I can't get past the people with all the apologies and excuses. I want to talk to the person with the authority to resolve this problem in one phone call. No stalling, no discussing with others, simply resolve it, and never hear about it again.

Some 20 years ago, I got into a lot of trouble with about 8 credit cards. I had excellent credit and I had about $35000 to spend on the cards. I maxed out most of the cards and with interest was paying just the minimum amount each month on each card. After about 15-20 years of this, I realized I was trapped in debt. It was so easy to get into this. I’d go into a store, buy anything I wanted, slap down the plastic and walk out with just about anything. My interest each month was like 5 car payments. Finally, a friend told me about Freedom Financial. They explained the program, worked with my creditors, and got all my debt down to 1 manageable payment. I was a bit skeptical at first because I thought they would soak me with fees but I was soon surprised how little they asked for this lifesaving program.

The customer service with FDR was phenomenal. From the initial phone inquiry to my very last settlement, I felt like someone was looking out for my best interest. The initial relief came with the cessation of the harassing phone calls and letters. I could relax a little bit knowing they were being directed to and handled by professionals. The entire process took about 2 and a half to 3 years to become completely debt free and it was all completely worth it. I've become much more responsible and have learned that the lack of control is not worth the effort to recover from the damage done. My only concern, whether I was informed by FDR and didn't pay close attention or otherwise, is not being made explicitly aware of the tax repercussions of debt forgiveness. I wasn't prepared for that situation and was a little shocked come tax time when I had to claim the balance difference as income for the year. Overall, though, I couldn't have been happier with the services FDR provided and I'm happy to say I'm on a great track to healthy credit and will never go back to the way it was.

Only thing I will say... I would tell people upfront that even when they settle, normally the credit card company will send them a form for taxes to claim the difference. If I would have known this, it would have made a HUGE difference in what we did! But customer service was wonderful and helpful! I am glad to be done with the program and things paid off!

I was in a bad situation with credit cards after losing a job. I thought I could do it alone but I kept falling further and further behind. I saw the TV commercial and I decide to call. I was nervous to explain my situation as I NEVER ask anyone for help. The consultation was quick and easy and they immediately were able to help. I got the process started in 48 hours. The monthly payments were affordable and now I have ZERO credit card debt after 33 months and now in the process of rebuilding my credit. Couldn't have done it without you. Thank you so much FDR!!

Freedom Financial helped us get out of debt. Anytime I had a question, I would call them and they either reassured me or helped me with whatever it was. On one of our creditors - they went so far as to file in the local district court to sue us - I contacted Freedom and they told us, “Just calm down.” The court sent us a questionnaire from the creditor and Freedom helped us with filling it out; they told us how to answer, or what they were asking for in the questions, and after filling it out and sending it in, the creditor decided to accept an offer from Freedom and not sue us. Being able to answer the phone again was a really nice feeling. If it was a creditor, we had been given instructions on what to tell them, from Freedom. The calls slacked off greatly. It did take us 44 months, to complete the program, but that was due to the large amount of debt we had. Yes, I would highly recommend them again.

I wish I never heard of this company. They took my $10,000 promising the 3 companies I had debt with would work with me. Only one allowed a reduction in payment as paid in full; the other 2 heard of Freedom Debt Relief, which had a bad reputation with them, so they forced me to pay the entire amt owing. I used my own savings to pay. Results: My credit score was reduced by 200 points, which still is at the level; and what savings I did have from paying less was considered income by the IRS, so I had to pay more taxes. I may have saved $1-2 thousand after taxes. FDR never mentioned this to me. Overall one of the most horrible experiences I have had.

With over $50,000 in debt, it took four years to pay off what would have taken well over ten years if ever to get our heads above water. We are now rebuilding our credit and life is good again. Whenever I had questions or problems that needed solving, Freedom Debt Relief was a phone call away and I always got a person on the phone with an answer to my questions. Thank you Freedom Debt Relief.

After a divorce and much accumulated debt that I would end up paying, I decided to try Freedom Financial. It was great to be able to get rid of over $15,000 of debt in 3 years for an affordable monthly payment. Shortly after completing the program, my credit score was improving.

I believe I completed the program in 2010. Since then I'm having a very difficult time getting credit. I appreciate what your program did for me, but when I started this program, your company told me my credit would start improving as soon as I complete the program and it hasn't. So I'm not very happy with your program.

For anyone requiring assistance in eliminating debt and having limited sources to do so, I highly recommend Freedom Debt Relief as a possible answer. While having to use the solutions they provide may be unappealing to some who are bogged down in debt, I personally feel that they are probably among (if not) the best source out there who provide the type of services that are often required in eliminating over indebtedness. In working with me I found them to be truthful, honest and efficient in their efforts. Taking into account some of the stories I have heard regarding organizations who are in the same business as FDR, I can assure you that there is a danger in dealing with many of these institutions.

The team at Freedom Debt was always responsive & helpful with the numerous things that came up over the 3-yr period of debt renegotiation. I was very appreciative especially given the anxious-making nature of this type of program. Their help with the creditors was outstanding. They gave accurate information about the negotiation process with each creditor and were able in some cases to negotiate a considerably lower amount from the original amount owed.

I would like to let future applicants know of the full customer service that Freedom Debt Relief provided before, during and after my financial situation. Not all of us are trying to hide that fact that we get into the financial nightmare with no hope in sight. The customer service people and the lawyers on staff were not prejudicial and found ways to assist me in order to reach my goal. Yes, there are costs associated with this type of service, but believe me, it was well worth it.

Instead of filing for bankruptcy, I worked with these guys and cleared my debt in 4 years. Once you get the creditors off of your phone and out of your thoughts, it is easy to focus on making the money to make the payments and move on with your life. I would recommend this method of dealing with your creditors if you are ready to move beyond your debt.

When I came to Freedom Debt Relief, I was in a real bind! The phone calls were driving me crazy! I was a school teacher and they even called me at work! Freedom Debt Relief stopped all the calls! They got me on an affordable path to pay off all of my bills! I don't know what I would have done without them! They are always there anytime to help if a problem does arise! Freedom Debt Relief gave me my mind back so I could focus on making the money to pay back my debts! Thank you!

FDR informed me that I was done with my payments to Bank of America. However, a few months later, a collection company contacted me in regards to the debt. Apparently, per FDR, there was a "clerical" error in which a payment appeared to Bank of America as having not been made. Although FDR made the claim that this was indeed an error and provided me documentation to show all payments were made, BOA refuses to honor the initial settlement agreement. It seems that FDR does not have to capability to actually communicate with the businesses of the clients in order to rectify situations such as this.

It ended up costing much more than quoted to pay off, and it took a year longer to pay off all the accounts. I had to pay two of the accounts directly so I wouldn't be taken to court. I am not sure I would recommend doing this. It may be possible to make better arrangements directly with the creditors.

FDR was a big help to me resolving my finances. I was able to consolidate all my big credit card balances and paid it for 3 years. Now I'm so happy to be debt free from my big debts. I recommended Freedom Debt Relief to my stepdaughter and she's very happy too; she did it. And best of all, I got a $250 fee for recommending. Now I am working on another prospect.

Well, the program "works" as long as you can make it through the whole process. However, if you encounter any issues along the way, it will make your life miserable. Freedom Debt Relief is terrible with details. They will miss most of them and I assure you, it is to your detriment. I had a specific issue where a collector did not take the 1st of 14 payments but took 2-14, and Freedom Debt Relief's only suggestion to me was to re-negotiate the new balance minus the payments I had sent in for 14 months. Freedom Debt Relief has never finished the process with me, although I believe I have been finished with the program for years.

I have been debt free for about five years. Contacting FDR was the best thing I have ever done. They got the creditors to stop calling and by following their advice and payment schedule, I was out of debt (totally) in 25 months. I would recommend them to anyone that is serious about getting out of debt.

I was very satisfied with Freedom Debt Relief's service. I was WAY over my head in Credit card debt. Customer Service was very nice to work with. They helped me get out of debt and get back to having good credit. Thanks, FDR, for all your help! I have recommended you to others as well.

I am not happy at all. You totally lied you did get the amount owed reduced, but they turned me into IRS and I was responsible for the difference plus all the money I paid you. Your advisors said oh they rarely submit to IRS for difference. That's a load of crap. As far as I can see, you should negotiate this stuff yourself and I could have used all the money I paid you upfront to put towards the taxes. What a waste of time and money you were. I tell everyone not to use you and neg themselves. I have blogged you on every site I found.

Thanks to Freedom Debt Relief, I am currently debt free. Moreover, my experience has enabled me to become a savvier consumer and financially secure. FDR was with me during a very fragile time of my life and assisted me in the debt solution process with precision, fairness, and perseverance. They help me gain my confidence and take hold of my financial future.

I can't describe how grateful I am to Freedom Debt Relief. They truly turned my life around. I struggled every month to pay my bills but didn't seem to get ahead. Then I found FDR and now I am debt free. I will never be a slave to a credit card again. Now that's FREEDOM.

I was in a difficult situation, falling short on my payments with three credit cards. The late payment was pilling up. I tried to make a deal with the credit cards but I was unsuccessful so someone told me about Freedom. Freedom was very helpful to me. We had a contract. We both keep our end of the contract, and I was very satisfied with the result. I will recommend Freedom to anyone.

I worked with Freedom Debt Relief and was a little hesitant to begin the consolidation process. I had never missed a payment before, but even though I was sending a very high monthly payment to try to pay down my debt, it wasn't working. I weighed the pros and cons and decided that if I was serious about getting out of debt, then I needed help. It was a little stressful to receive calls from creditors, but being able to give Freedom's info helped. Knowing that I was doing something was better than feeling like I was never going to get out of debt.

One of my American Express credit cards was not resolved. It went to collection agencies from one to another and then the court and when I asked about the fees, they simply said "cannot reimburse due to company policy". Currently, it's still in collection but my account is closed with Freedom Financial!!

When I decided to call Freedom Financial, I was behind all the time. Credit card companies were charging high interest rates and if you were late, they charged you even more. I felt that they didn't really care about me one way or another. They were just costing me more and more and I was never going to be debt free if I didn't do something. That's when I decided to call Freedom Financial. The rest is now history; it took me 3 years to work through my debt but with the help of Freedom, I was able to become debt free. It has lifted a tremendous weight off my shoulders. Thank you, Freedom Financial.

The whole process at Freedom Debt Relief was conducted on a very high professional manner. At any time I needed a question answered, all I had to do was make the call and they were always there for me. From start to finish, I would recommend Freedom Debt Relief... There are a lot of options out there, just make this one call. Thank you.

Freedom did a superb job for me and I am much better off for having gone through the program they so deftly operated. I was hesitant and scared - but this is a super answer to financial problems. I would strongly advise people to check the Freedom Debt Relief program out. It pays down debt quickly and puts years back on your life by eliminating worry. The person who explained the program was most thorough and answered every question I have. Subsequent follow up was more than adequate at all times - and sometimes truly excellent.

They did a fabulous job and in two years paid off three high balance Credit Cards at around 40% of what I owed and so much for the CC Co. raising my interest to 30% plus. I would highly recommend Freedom for any help needed to get relief from CC debt. If I had it to do over again, I would not hesitate.

I paid FDR close to $7,000 and your company didn't settle anything for us. One company just sent us a 10-99 for taxes and wrote off the debt. Two other companies sued us and FDR settled both at 100%. So again, they didn't do anything to help us. They had no problem taking the money and were supposed to give us back money for not meeting their settlement agreement promise. I could have done what they did because they did nothing for us. I ended up filing bankruptcy after the mess FDR left us in, not to mention $7,000 poorer. They are not a good company and will steal your money. Good luck getting any of it back. Bankruptcy cost less than half of FDR's prices for doing nothing. Terrible company, don't fall for it.

I am grateful that Freedom Debt Relief helped me out of debt. A few suggestions when you are going through the process of getting out of debt: Learn the system. Pay as much as possible in the beginning. Pay above the monthly payment. I wished I would have paid it off earlier. Visit your online account, both Freedom Debt Relief and the participating Global Bank. Lastly, stay on top of your paperwork and do not assume anything. I would like to touch on the pay off earlier suggestion. Your credit cards can still accrue interest before they are settled. If you are consistent managing your account, your experience will be less stressful.

I was very pleased with the service that I received during my time on the program. I was informed on everything that was taking place from start to finish. Without this program, I would still be struggling to get my life back on track. I can truly say that now I'm in a better place financially and looking forward to living worry free of credit card bills.

You forgot to tell me that even if you knock down the full payment due... the IRS was coming after me with the balance due to the creditors. Had I known, I would have stayed with the creditors. I had to borrow money from friends and the bank to pay the IRS.

Freedom Debt Relief worked with me when I had a better offer from one of my credit cards than Freedom Debt Relief could offer. One day, I was checking my account and discovered that my debt was paid off. I called them and immediately they took action to close out my account. Three years sounds like a long time but it went by quickly. I currently have no credit cards and if I want something, I pay cash.

I was getting a headache... trying to pay my credit card off. No matter how hard I try, it wasn't going down. Freedom Debt Relief came and helped me pay off my credit and not only help me pay them off, they also showed me how to handle my money better. It was very hard the first three months but then you don't miss the money. They're out to help pay the cards off... but now I feel a whole lot better because I am not in debt and I want to thank you for helping me get out of debt.

I had a great experience with Freedom Debt Relief. I enjoyed their friendliness and they make you feel like you can talk with them anytime and tell them anything. They are there to help you and the payment plan was something I could handle on a bi-weekly arrangement. If I get in another situation like the one I was in (I hope I don't), I would definitely call them.

I found out that it’s cheaper if you do it yourself. If you have the number to the credit card company, call them and make a settlement without Freedom Financial (FF). I had a Discover card that would not deal with third party companies so I had to negotiate with them by myself. Although I did all of the negotiation, I still had to pay FF a percentage of the settlement. I had a Chase card that I was able to settle for less than what FF could and again, I still had to pay them a percentage. The only card they MAYBE helped with was Bank of America but at the tie Bank of America was required to settle at a certain percentage by the US Government. So to sum up again... do it yourself and save thousands of dollars.

We paid our balance off in full, and it took over a year to get account resolved and closed resulting in more added fees. Plus, we called month after month and were given the runaround. Not very satisfied. I definitely wouldn't recommend this company to anyone. They want you to do your part in the agreement but don’t want to do theirs.

My husband and I were in WAY over our heads - new house, excessive spending, and too much credit card debt. (-in the neighborhood of 60K) With the downturn on employment, some family issues and the housing market we were really strapped to make ends meet. We looked into the usual solutions, none of which really could help. Then we discovered Freedom Financial. They were really helpful and didn't make us feel like second or third class citizens. Sure, it sucked big time committing to almost $1,000 month nut going to their account, but we resolved our credit card issues within three years (9 months earlier than our contract estimated!). I don't remember the exact amount of money they helped us save, but it had to be close to $40K! I'd recommend their services to anyone who currently finds themselves in credit crisis.

My experience with Freedom Debt Relief was great, convenient and in the end, I had saved so much money. They allowed me to get back on track and taught me how to get back to managing my finances. Debt doesn't have to control your life. Take action and get relief with Freedom Debt Relief.

I initially signed up for a 24-month program. Now, it is 32 months; I have more than enough money in a special designated account with one remaining credit card account outstanding. I called twice every month to ask them why they are not doing anything on this account. I got all types of crazy answers from the customer services rep. My remaining balance is only $3200 and I have close to $4000 in a special designated account with Global Client Solution. Yet, Freedom Debt Relief still hangs me dry on this matter.

I have been enrolled in this program for over 11 months with just over $12k in debt and not only have the negotiations seemingly gone nowhere, but I cannot connect with the negotiators or a competent customer service rep to weigh my options. Additionally, despite reporting changes in my debt collector status, the debt collector FDR is negotiating with never changes in my account dashboard. I would have been much better off negotiating with my creditors directly than letting FDR do this for me. I am completely unsatisfied with this service. Do not use Freedom Financial, Freedom Debt Relief or whatever it is called. Find another agency or do the legwork yourself. I am finding that creditors are more than willing to work with you to resolve your debts in an affordable and timely manner. Beware of this service.

It took 4 years but we finished the program. They don't warn you properly about everything that can happen to you. I got sued twice and judgments placed against me and liens on my house. I had to borrow money from everyone to clear up the judgments so my bank accounts were not frozen. They eventually sorted it out but 3 years later, I'm battling getting my credit report correct. They say they will get you settlement letters when your debt is settled. All I received were settlement offer letters. Nothing that said the debts were settled.

I will start by saying, what a headache I have been through! A one-time draft to pay off a creditor has turned into a nightmare! My bank informed me that I was being charged fees because GCS was trying to remove funds twice. FDR said this has never happened before and it was GCS' fault. Then GCS said it was FDR's fault. So no one wants to take the fault. Okay, fine. In the meantime, I am just trying to pay off this last creditor to get out of this program. In the beginning, my husband and I could not have been more pleased. Now in the end, it has turned into a nightmare for us.