Freedom Debt Relief Reviews

I don't feel that communication is happening between the consumer, bank, and Freedom. I'll give examples. I needed to defer a payment. Due to surgeries no job yet. Called Zach then called bank to defer. Next pay time 2 payments was deducted from account. Asked to just get out for now. Talked into staying. Zach said CAL bank defer month of May. I did that. Next pay time got an email saying payment didn't go thru. It has been very disappointing at the lack of understanding and follow through with communication. Feeling like I need to find someone else.

First of all, all those ppl who say they had a wonderful experience... I'm just going to have to assume that they are ok with creditors chasing them and their credit score being ruined. My warning is to watch out. They don't tell you that the IRS will tax you on any outstanding debts paid. We found out 3 years later and we are still paying. Every year we get a new charge from IRS for another debt that Freedom negotiated with.

I couldn't be happier with my experience with Freedom Financial. Keep up the great work.

I was served papers from my local court system regarding one of the creditors that was included in my debt plan. I called Freedom Debt Relief then faxed the documents to them. A few days later, they had worked out a deal that made sense to them and to me, I approved it and we settled out of court for a lot less than what was owed and I will have it paid off in less than a year. They always have my back and put my mind at ease. No worries here. You can also go online and sign into your account and check the activity on your account. I'm very thankful for Freedom Debt Relief and their professional staff for always being there for me!

From the moment I contacted Freedom Debt Relief, they have been upfront and totally honest with me. It truly felt like a weight had been lifted. Anything they say they will do, they do. Their follow up and follow through is outstanding.

I am very satisfied with help that FDR provided to my wife and me in order to solve our financial problem. Thank you for great service and attention to our needs.

I appreciate the help to eliminate the credit card debt I had amassed over the years. I had talked with other companies that help eliminate debt but none would commit to the amount we owed which wouldn't help me completely. Freedom Debt Relief was the only one that agreed to take on the whole amount and help us to eliminate the debt.

I had no idea when I started this process... How much help I would actually get... I had a lot of things hit me at once... Turning my finances upside down... I am very grateful for this program... Not only for the help in renegotiating my debt but also the education of how credit card companies/banks actually work so that I never have this experience again. :-)

Thank you for working with us to help us reduce our debt.

I wasn't aware that you have to settle each credit card one at a time, pay it off completely before you settle another credit card. I just thought that you would be able to make agreements with each creditor and then make smaller guaranteed payments.

We entered this program with $17,400 in credit card debt, $3500 in fees and a loan program that uses 22.90% interest. We are now in more debt than when we enrolled! Do yourself a favor, look somewhere else for relief!

I been in a Freedom Relief Program for over 6 months and they already settled one of my credit cards debt. Now, they're pointing me to another sister program that will make my credit score start building rapidly. This new program will allow me to pay debt even faster. People at Freedom Relief are very helpful and are pointed me to the right direction.

From start to almost finish has been great. I have only had 1 bump in the road and it was taken care of.

Payoff of credit cards - Process is slow, but it gets the accounts resolved with very little effort on my part.

I found this company after seeking help consolidating all my debt. I am getting married, starting a family and a business so I wanted all my debt consolidated so I could pay it off faster. After 2 months in the program I realized I made a huge mistake, my credit score tables almost 200 points, no debt was negotiated even though the money was there. I had creditors call me 40+ times a day that I finally had to get a new cell number. I found a new company who is non-profit and much more legit. I would not recommend this company for large debts like mine $70k+. I could see this working on small credit card debts with maximum credit at $1k-2k each. But in my case this company sucks.

This company is such a joke! They tell you all kinds of good things to get you to enroll in their program and are very pushy in doing so. They do tell you that your credit score will drop a little while they work on "negotiations." My credit score was smashed within 1 month of being in the program. They never worked out any negotiation like they said they would. When I enrolled, I gave them all of my accounts and account numbers, but somehow they had the WRONG information! It is nearly impossible to call and speak with a person. You constantly get automated recordings and when you finally do get through to speak to a human that person isn't able to help you and they have to transfer you to another person. You end up being transferred at least times during 1 call.

It was wonderful working with them.

Yes, these reviews have been helpful- both the positives and the negatives. I contacted Freedom Debt Relief in July 2015. The customer service representatives were friendly. In March 2016, they called me about the Consolidation Plus loan and I was happy that I qualified... and I would be paying LESS per month. I was shocked because I was told I had already enrolled in the Consolidation loan that I requested. So, thanks to Freedom, my monthly payment is MORE-from a low of $636 to a high of $795. As other reviewers said- this contract was signed online. Red flag 1- the amount is higher not lower. Red flag 2- immediate response is needed online. Once I indicated that I could not pay the higher monthly amount, the phone line went dead. I sent an e-mail asking if they are continuing with the old contract? Or if they were canceling my contract altogether? No response from Freedom.

Worst mistake of my life. I was less stressed when I was paying my creditors on my own. No communication, don't notify you when they find a settlement, person that got me to sign up promised me the world. Right now I'm being garnished because somewhere they and national litigation group messed up. Do not sign with this program. I'm filing bankruptcy.

So far everything going very smoothly. Freedom is doing exactly what they promised and I am not getting harassed at all. Freedom's communication with me is excellent and I am always in the loop. Hoping the remainder goes as smoothly or even better.

Was lied to about fees from the beginning. I asked multiple times from the beginning if there are any fees and was repeatedly told no. Recently had large sums of money disappear from my account, reasons why changed 3 times. Just an overall bad experience and cannot wait to be done with Freedom. Only bright spot has been customer service reps.

My experience so far has not been good. I have been in the program since August 2015 and it was the worst mistake I have ever made. I am calling them on a daily basis and getting nowhere. They try to convince you that your creditors will work with them to settle, but so far, none of mine have and I have been to court already with a judgment for garnishment. I feel that they have no sense of urgency and now I am backed up against a corner. They do not work quickly and in the meantime creditors are filing lawsuits against you. I would not recommend this company.

So I signed up in 7/2015. Circumstances changed so in 3/2016 I attempted to pay off my debt and close my account. What I discovered in spite of what they say they grabbed my money to pay their fees first and failed to negotiate with my remaining creditors. I removed the three accounts remaining from their program. I left the three they negotiated. The three I removed I negotiated in 2 days directly and then I went back to them. Repeated phone calls. Their systems were being upgraded. They screwed everything up. I kept calling.

We started using this service back in 2012 and it has been the worst experience ever. They are supposed to be helping us and now we find they are taking advantage of us and are now unwilling to even try to resolve the issue. When we call they treat us like we are criminals and are rude to us. They are now charging us for accounts that have been written off and have done so since 2013. Then when I ask why they have not handled the accounts and how they didn't know they were charged off they claim we messed up. When we did everything we were supposed to do for the arrangements. So now I have been paying them for 3 years on accounts that I shouldn't need to be paying them for.

Have called several times. Everyone has been nice and helpful. Wish my debt would be gone faster but I understand more money is needed to get settlements done.

All I can say is watch out with this place, especially the fees. Read everything VERY VERY carefully. What you will probably gloss over when you are reading the paperwork is that they charge 21% of the amount that you initially sign with when you accept a settlement (not the settlement amount), and they take it all out at once. So, like in my case, I had a $7500 bill that they settled for $2700. After the first payment was taken out of my account another payment was taken out, their fee, which was $1579! $200 went to the bill and $1579 went to them.

I have been in this program for over four years now, and I only wish I never did it. When you call the first time your emotions are that of fear and anguish that you got so far over your head in debt that no matter what they say they told you it truly did not compute at the time. I am all finished except for one cc, and between the fees and the settlement I am ending up paying the whole amount anyway. They of course take their fees off the top, and the percentage is as much as a cc. When you call they are rude and only tell you what is on the computer, nothing else. One person tells you one thing and another tells you something else, so it seems that an error was made but who cares, you have to keep paying... BEWARE of this company...

Great service. Very helpful representatives, and very easy process.

I joined FDR in late Jan, 2016 and have already settled 1 acct. I am so happy there is a crack in the heavens and a glimmer of hope of being debt free soon and mostly the phone calls finally stopped with most of the credit card companies except 1, even though I added One Main Financial to FDR they continue to call me every other day asking the same questions and saying they have not received anything in writing from FDR stating I am enrolled. They want to change my APR to 5% now instead of the 29% that I am currently on.

I have been trying to get a response to my 4 different requests through their portal, and one through email. They say that a response will be within 24 hours. In my world, 24 hours does not mean almost a month. I am very disappointed that they have ignored all of my correspondence. I am not particularly fond of Freedom Debt Relief and their customer service. It is atrocious. Go elsewhere for help.

Love this company.

I've sent correspondence via email and through their client services portal with a simple question regarding my special purpose account on 3/29/16. As of today 4/14/16 I have yet to receive any response from anyone. This is absolutely unacceptable. If you are considering FDR I would look elsewhere or try to settle your debts yourself as they've shown they have no regard for their clients.

My experience so far has been very positive. The response and knowledge of the staff at FDR is very impressive. I have not talked to anyone who could not answer my questions. Keep up the good work!!!

I feel Freedom is doing a great job in helping me get debt free.

I have been using FDR for about a year and paying them $775 per month to settle with my pending creditors. About half of that is being used to pay creditors and $300 is going to FDR for fees pulled monthly. The total FDR claims they save you is not correct, here is the actual truth: FDR charges 21% of "total" of bills being settled, not a percentage of the amount saved like told to me initially. For example, if you owe $100,000 to creditors, you will now owe an additional $21,000 to FDR. If FDR settles the $100,000 with creditors for a 40% discount, your FDR dashboard will graph a savings of an impressive $40,000 dollars, but this does not include FDR fees. In this case FDR actually saved the consumer $19,000 after they take their fees from you.

My experience has been great except for FDR not letting my creditors that we are working together. They continue to call me and I tell them I'm working with FDR, but they tell me they need from FDR themselves. I thought that's why I sign the form stating that, and I thought or understood they would send the letter out. It's very stressful to have them to continue to call.

They have been very helpful with my debt. It is being paid off sooner than I thought. Then are very nice and helpful on the phone.

They are respectful and really seem to care about the customer.

This program is a complete waste of time and money. Like a lot of people who enrolled in the program, I had a significant amount of debt and although was able to make my payments I felt like there was no hope in sight. I was advised to stop paying my bills which I did. What I wasn't told is that people would be knocking at my door serving me papers to appear to court. I also wasn't told that I would be paying an enormous fee for their service. After paying $600/month to this company faithfully each month and still not getting anywhere I hit rock bottom. I ended up asking for some help from my family. We called the company and immediately asked them to dis-enroll. We were assured I would be getting refunded the amount of money in my special purpose account less fees. What a coincidence, the amount of "fees" I owe equaled the amount in my account.

They were very helpful in getting me started on paying my debts. I can contact them at any time with questions and concerns.

I'm not one to review companies. However, with the endless issues I have had dealing with this company (who I turned to for help) I feel it necessary to warn others in the same situation. It was working well for me at first and then I got served papers to appear in court. FDR flat out refused to help me through the situation (yet continuously took my money each month). I was able to find resolution through using my own lawyer and talking to the creditor (who told me the only reason they were turning to legal action was due to no communication from FDR). I stuck with the program still.

At first everything was good. As time went on very few things were happening except phone calls. They don't want you to know that you can actually negotiate with the creditors. Maurice actually negotiated a $16000 settlement when I got a letter from the same creditor negotiating a $12,800 with me. But I still had to pay a $4600 settlement fee. It makes you wonder what they actually settle. They stretch out the time saying they are negotiating. They negotiate with the smaller creditors first saying they are easier to settle with. But the truth is the longer the negotiation the more interest on the accounts adds up the more money they will make between settlement fees and on interest.

After being unemployed for almost 2 years, I had maxed out every credit card I had. I was struggling to pay my monthly bills, and the debt was drowning me. I called Freedom Debt Relief and they showed me a light at the end of the tunnel. They explained the program, and have answered every question I have had along the way. Every interaction has been friendly, courteous, and professional. So far two of my accounts have been settled and paid off. So glad I found this program!

With Freedom my stress, worry, etc. was all eliminated and they never made you feel insignificant. All Staff/Customer Service Reps were always courteous and never rushed you when sharing your woes in the beginning... You always felt better getting off the phone and relieved. I could go on and on, but you get the picture! Don't hesitate, it is worth the phone call. BE FREE.

Freedom Debt Relief is an outstanding company that puts their clients' interests and concerns first. As a middle-class family with mounting debt due to unforeseen and tragic circumstances, I had nowhere to turn for help until FDR came to my rescue. I'm making steady progress in paying off my debt and I owe much of the progress to FDR's dedication to all clients with equal zeal and integrity. I would recommend FDR to all my friends and others in similar predicament and urge them to see the light at the end of the dark tunnel by seeking FDR's timely intervention and help. With FDR we are an integral part of a caring family that wants all of us to be solvent and debt-free, to enjoy the freedom and joy of being debt-free and financially secure for the waning years of our lives.

Consolidation Plus is affiliated with Freedom Debt Relief. This company to me is no better than loan sharks. Their interest rate is sky high and they will not let you do a principal payoff. They have you sign forms online when you are under duress and feel you have nowhere to turn. I know I should have had a lawyer look over the paperwork but I did not and now I suffer. Beware of Consolidation Plus.

My husband and myself are very thankful that the Lord led us to Freedom Debt Relief. Their program helped us get out of our financial debt. They were always helpful, kind, and compassionate toward our situation. We could not be more grateful for their help.

I cancelled my participation with the program because I decided it was not the right fit for me and my needs. As outlined in the contract, I sent them written notice via email on 3/22. I asked for confirmation of receipt and did not hear back. I contacted my account rep first via phone and we exchanged voice mails. She suggested emailing her because it was hard to get in contact on the phone. I forwarded her my cancellation email explaining that I was hoping she could confirm that the cancellation went through. Her response was very short: "If you emailed them and mailed them to cancel you then they would have cancelled you out. There is no way for me to look anything up if you cancelled and are no longer an enrolled client."

Christine has been so helpful and has answered all my questions. She is an asset to your team. Thank you.

I have been with Freedom Financial for less than a year and they have already settled off my accounts for considerably less than the balance due. Their agents know how to give wonderful customer service. I recommended a coworker.

I did not completely understand what I was getting into and was not aware that each time a settlement was made a percentage was taken out for payment to FDR...

We are early on in the process, but questions have been answered promptly and to our satisfaction. Grateful for this program.

The service has been warm and friendly. Customer service agents take the time to answer questions. Every time I have called someone promptly picks up my call.

I just started the program in October so I am early on in the process. My biggest complaint is that recently I have run into some CSRs that aren't good about following up. I received an email from a Simone who told me that FDR was getting ready to negotiate on my Chase account and I needed to sign the attached power of attorney. I don't have a Chase account. I sent an email back to Simone and told her that I didn't have a Chase account and that I needed to hear from her.

The reps have been very helpful in taking care of my concerns. They have been there every time I have a question and have answered in a timely fashion. They have helped me solve problems and taken care of any needs I have had come up. They are very courteous.

I am an individual recently working with Freedom. The program is very professional and the personnel with whom I am working are very committed and caring. Freedom is already making a positive move in a way. I appreciate my negotiator and her hard work, as well as the integrity, knowledge and kindness of my initial contact with my Representative.

Thanks for allowing me to start all over again. Your effort, professionalism and dedication is very much appreciated!

Like many, I went to a debt relief company because I thought it would be easier to let the experts with the leverage help me settle the debt to several credit cards (over 35000) when I ran into financial difficulties and lost my job. The process was easy to sign up and gave us a false sense of security that they were going to do the job. They claimed that they could get around 50% off the cards and even though they had a fee, it would be far less than what we owed and hopefully get out in 3 years. FF said part of the process is to not talk to the CC, don't answer the phone, at the same time start to save in an account which they will use to leverage with the CC to get a reduction. Instead, they failed on so many levels.

I am at the conclusion of my program with FDR and would never recommend them to anyone. The salesman was of course nice and pleasant, telling you what you need to hear. Overall my debt reduction was minimal when you figure out their hidden fees. Make sure you ask them their fees for the settlement before you agree. I found that for the most part they were so high the settlement was only 30% or so. I settled 2 accounts on my own due to the slow-moving program and got a better settlement, without fees, just talking to them myself. Also their communication has been terrible the past year. I have sent correspondence to their CS dept. 3-4 times the past 8 months or so, telling them to remove an account I already settled on my own with NO return response.

I am pleasantly surprised by, and quite satisfied with, the results that FDR has obtained in my behalf in its negotiations with the first four of my creditors. Its support team/Customer Service is very friendly, professional and quite knowledgeable, although I never receive a reply from the same person when I send a consecutive email message about the same issue or subject. The work of your Negotiations Team and Support Team is greatly appreciated!

We are happy with Freedom Debt Relief.

Good service to manage my debt with Freedom. I am happy to say that I am very bad citi Vatican before I am joining the Freedom Debt financial. Thanks.

So far my experience with you has been positive and pleasant. Everyone I have spoken with has handled my questions and been very patient in understanding my concerns.

The people that work for this company are awful. I just got off the phone with a guy who was very condescending and rude. I wasn't even getting upset and tried telling me to calm down? Get over yourself, I will never recommend this company to anyone. They tell you they'll help you but then they don't. Forget it, they're a sham.

Freedom Debt Relief helped me pay off my debt way faster than I would have on my own. I felt like I was drowning with no help in sight. I had medical reasons that caused me to get even more in debt but now I can breathe because the help I received from Freedom. Thank you Freedom for helping me. I will soon be purchasing my very 1st car on my own and hopefully soon after buying a home.

From the very first call, the professionals at Freedom Debt Relief have made me feel good about my decision to give them my business and made it easy to understand. Thank you for all you do.

Freedom Debt Relief so far has worked out very very well. I've settled on two accounts in the last 3 months and have about 6 more to go. My only improvement would be phone conversation and to reach out more often.

I was struggling to make ends meet each month and even though I was paying more than minimum monthly payments, I was getting nowhere! I was not behind on any payments and had not started receiving any collection calls from any CC company, but felt I needed to get a handle on my affairs to prepare for retirement. I signed up with FDR and to date, I have never received any harassing calls from any CC company. You must be pro-active and begin the process before you get behind!

Understands it takes time. Thanks for your help.

I was so disappointed in FDR because they didn't do for me what I thought they would do. It was so irritating for me to get letters and phone calls from my creditors all the time, and FDR didn't do anything when I informed them about that. Every time I received a letter from my creditors, I would scan it and send it to at least 11 employees at FDR asking them to communicate with the creditors but they never did. I also asked FDR to forward documentation to me as proof that they communicated with my creditors, but no one even bothered. It took a lawsuit filed against me by one of my creditors to get FDR to reach out to that creditor and then their way of negotiating was done very poorly.

I went into this process apprehensive & scared, and feeling like a sinking ship! I've found friendly folks, who helped me calm down & see a possible solution. Will really feel better when it's completed, but I'm not sinking anymore.

Glad I found something and someone to help me get out of debt.

Oh money problems!!! These guys work with you and help get you on track even if you were never on one. I think the newer generations (I'm 30 and part of this) are on a "want now! Need now!! Swipe swipe swipe" mentality and we have to pay for it. FDR helps you pay back. Slowly, over time you see your debt melting. I am on the beginning part of my 2nd year in the program and in such a better place than before.

I could not be happier with Freedom. I am well on my way to a better Credit Score. The phone calls and letters stopped immediately. Customer Service and my Freedom Debt Relief Counselor are fantastic.

So far they have been dragging their feet while I am being harassed by collectors with threats of garnishing wages and bank accounts.

I would recommend this to anyone. I haven't had a problem yet.

Your representatives are mostly very professional. I only had one incident when a representative was rude to me.

We have been in the FDR program since September of last year. We were getting quite frustrated with the lack of correspondence. We have been promised action by no less than four people at FDR who never return e-mails or phone calls even though we have tried very hard to contact someone who cares. It is quite obvious, at this juncture, that someone is covering up some dirt that no one wants known. We have been stonewalled at every corner. If someone at FDR is really interested we have numerous e-mails to prove same. The saga is too lengthy to detail here but I promise ANYONE at FDR that gives a half a hoot that we will spill the beans about the complete cold shoulder we have received.

I explained I needed help learning about filing bankruptcy and was transferred to someone who supposedly could help however I never got the chance to explain anything. As soon as I said "I don't have any money" I was hung up on by the person who answered the call. No opportunity at all to explain my circumstances with the second person. Don't work with these people. They are not interested in helping!!!

I found out about this program through Credit Karma. Great program. Great customer care! I feel comfortable and confident knowing that I will be debt free in 4 years. Now I can start my degree with no worries. The most important part of this is that they create flexible payment plans. I recommend.

I had 3 years of success with FDR and was down to my last final months in the program. FDR failed to pay my creditor on time and the agreement was made null and void with the creditor. I have made every payment on time since enrollment in the program. FDR had to renegotiate a new agreement with the creditor which is now going to cost me almost $1500 more than originally agreed upon and has extended my time in the program by almost 4 months. I have submitted a letter of complaint and believe FDR should be held liable and accountable for their error. I have had to call weekly because FDR has not been responsive even though this was clearly their error. I am frustrated, disappointed and in the end this program cost me more money than it saved it. Tisk Tisk. FDR, you hold your customers accountable to their contracts and agreements but you don't even uphold your end of the agreement.

I enrolled in August 2015 and was told that negotiations would be complete by October of the same year. It is now February 2016 and only one creditor has been contacted. I doubt that the rest of the credit issues will be resolved before I end up with judgments against me. If that's the case, I would have been better off declaring bankruptcy and not paying anything towards the amount owed.

This service was made to be told to help me when really, the collectors are threatening me full force with lawsuits. I'm not at all happy with the service that has NOT been provided and I should not have to deal with debt calls when you're in charge of dealing with creditors. After all this is what your company told me was I wouldn't have to deal with them, you guys were...That's NOT HOW IT HAS BEEN. This experience with your Freedom Debt has been nothing but a problem and has caused me more grief and stress.

Have had a great experience with Freedom Debt Relief and they are great at resolving our outstanding debt with our creditors on a timely manner.

I enjoy getting a text to let me know how it's going. I do wish it would go a little faster. But I am making progress and I'm very excited about it

I have had a really good experience with this company. We have only been with them for 7 months and they keep in good contact with you to keep you updated on what is going on with the accounts you are trying to get settled. We wouldn't be where we are today without their help. Thank you so much for helping us breathe again.

Freedom Debt Relief is doing a great job of helping me out of a situation that I should never have been in, in the first place! They are real nice and easy to talk to! They keep me informed of everything that's going on! If you are having trouble with debt, you should give them a call!! Thanks FDR!

We have had great service. Just wished we could make some deals a little quicker, even if the money is not in the account yet so the creditors would shut up. I do understand this is a process.

All I have to say is; I am so happy I was able to do business with Freedom. They are helping me with my debts in a way I can "see the light at the end of the tunnel". Thanks again Freedom, you guys are a life savers.

Freedom Debt Relief is helping me out with this account. They were on top of it right away. It should be resolved soon Pablo is getting this account straightened out.

This program is expensive, therefore I expect nothing but their best to protect my interests. I have been a customer since 2012 and they have been improving their services and their website. There are some customer service employees that need to get their act together as far as being knowledgeable and professional over the phone. My complaint with this business is that they are not prompt on helping when needed. I was sued by a "dishonest" (no surprise there) collection agency for an account that was settle by FDR. I sent the summon letter to FDR and made them aware of the situation. FDR told me they were taking care of it and someone would get back to me the following week..

I have found everyone at Freedom Debt Relief to be very kind, courteous, and extremely helpful, and answer all my questions whenever I call. I am very happy with everything at FDR.

I am very satisfied and happy with the overall results taken in solving my debt status. The results were excellent and the end result was very satisfactory. The company employees are very courteous and professional. Thank you!

1st debt settled. Yes!!! Awesome company. They know what they are doing. 1st settlement, four more to go.

Excellent customer service - great follow-up and communication. Extreme patience when I call with questions. Fortunately, all my questions are answered completely. Initial contact was superb, friendly and understanding... especially the understanding I received with the computer input. All of my strange specific questions were answered respectfully. Thank you for your assistance.

I have received great service and advice, and would recommend you to others who need help.

I have about $7800.00 in credit card debt and have never once been late on any of my payments so after trying to get help from Freedom Debt Relief they denied me with no explanation as to why! I do have bad credit but the story on MSN made it sound like that didn't matter but yet I was denied! I've tried so many options to have help with my debt and I guess unless you have excellent to good credit you can't get any help from anyone. My debt is the reason my credit is bad in the first place! So stupid!

Happy so far. Things are working so far as I can tell... Can't see any graphs that I guess was sent... Just send me an email once a week and tell me who has been paid off. And how do you stop them from sending me bills in the mail? Or, will that ever stop?

The only negative I have to say is two of my accounts were added that I did not want at the start of my program with your company... One Main Financial and Capitol One and even after over a dozen requests to delete them from my program they have not been as of date since 08/2015. Capitol One will be paid off in March and One Main Financial is due to be paid in full within the next 8 months. If it is possible I would like these accounts removed from my repayment plan ASAP. All your reps have been kind and pleasant and great to work with. I have recommended you to two other people in need. Thank you.

My experience has been handled efficient and professional.

So far I've been in the program for 6 months and already Freedom Debt Relief definitely allowed me to get my life going in a better direction. It's great to have my first account settled and to move on with others to be settled. My credit card bills were a huge weight on me. Financially there seemed to be no way out. I was giving minimum payments and yet my balances weren't going down. I tried negotiating with the credit card companies myself, but didn't do me any good. As much as I tried explaining to them my situation, they wouldn't help me. Instead, they gave my more grief. Then I signed up with Freedom Debt Relief. They got me results! I still remember how happy I was when FDR called to tell me about my first settlement. It was such a huge relief. Today, thanks to Freedom Debt Relief, I'm on my way to being debt free and feel like a big load fell off my shoulders.

At this time I'm not sure how to respond, I was just expecting a more quickly respond, maybe it was not possible with the amount of my debt. Thank for what you have accomplish so far.

I join Freedom Debt relief July 2015. Since starting, creditor been calling me 3 to 5 times a day till November 2015. As of now, I get called from creditor 1-2 time a day. I understand that negotiation is going on. I am satisfied because on of my debt has been paid.

Deciding to go with Freedom Debt Relief has resulted in a drastic reduction in our debt. Best decision we've made in a while!

My experience with Freedom Debt Relief, thus far has been pleasurable. I feel my financial security will build as my debt decreases with the work of the individuals at Freedom.

I had a very pleasant experience in a difficult time. The representatives that I have spoken with over the past 6 months have all been courteous, professional, and very helpful. I would recommend FDR to all.

Everyone I've spoken to or emailed with has been friendly, patient, understanding, and informative. We were so worried and now feel so as if our needs are being met and cared for. We are so grateful.

So much negativity towards this company for making false promises. Being told lies and then the company negotiated without my ok an amount of money for more than I went into the program with. Sad excuse for a company ripping people off. No call backs and unable to speak with a real person most of the time.

I feel the client services just tells you what you want to hear. I have been enrolled for 6 months and only 1 of my accounts have been settled. I recently had to make other arrangements with one credit card company because I don't believe it was handled correctly. I believe they will keep you in the program as long as possible to benefit them. The follow through on customer service isn't exactly stellar either. Hasn't been my best decision.

They got one of four CC cut in half so far. The only problem is the wait time in-between the first and second negotiations. If they would just do them all at once it would be better and they would have received five stars.

My husband and I have been fairly please with our experience. We did not totally understand all the details in the beginning. I think we were overwhelmed at first, but once involved, knew we had to continue to ever get out of debt. We are so glad we made the first step.

I just joined Freedom Debt Relief last month. Obviously, I am very new to this company and am looking forward to a great partnership with them over the next few years. I have never missed a payment on any of my accounts, nor have I ever been late. I have A LOT of debt, but I was always able to afford that debt. Last month, my company cut my pay by $20,000 a year. That is a huge pay decrease, but I did get paid well and if I wanted to keep my job then I had no choice but to accept (By the way... I am currently looking for a new job. lol). I realized I would no longer be able to afford all of my monthly payments and live an everyday life, especially since we had just recently bought a house that needs some work. With the information Freedom Debt Relief provided and their superior customer service, they seem like a lifesaver!

I could not be happier with the experience I have had with FDR!!! I am just starting to see results but they are great. The staff is friendly and knowledgeable. Can't wait to complete my program!!!

I'm looking forward to another one of my accounts being resolved soon. One year is drawing near. I know this is a process and you all are doing your best but it's really a relief when I heard that one of the credit accepted our offer. I would love to get an update on the progress.

I am well pleased with the progress. Anyone I talk to is very helpful. I now understand the more I pay you the sooner I will be debt free.

Freedom Financial was very helpful and patient with me. They kept contact on a monthly basis to check how I was doing or if I had any questions during this process. I am very pleased with the results. I can't say that I was not very anxious, and a little scared, but once the process of settling the accounts with the creditors started it was all done very fast and smooth. Today I received the notice for the settlement on the last account. I can breathe a lot easier now. I know that I still have a payment until my debt with Financial Freedom is paid off, but one lower payment is so much easier and better than five. Thanks to all of you who helped me through this.

Everyone I have talked with from Freedom Financial has been kind and understanding. People in debt have enough stress and having to talk about his or her debt level makes it even more stressful, not to mention embarrassing. It's nice not to be ridiculed and chastised about something that got out of control. Instead, Freedom Financial offered several options to fit your lifestyle and explains the whole process. It's easy to get overwhelmed with debt. Let Freedom Financial help you get organized and out of debt.

The people who have helped me with my financial solution have been professional and courteous! I appreciate their hard work and dedication, thanks!

My experience with the Freedom Debt Relief program has been a positive one. The results to date have exceeded my expectations.

When I first signed up with Freedom I was wary, I had never done anything more than take a loan to pay my debt and it didn't work at all. I quickly charged back up and wound up in more debt than I had originally. I had moments where I couldn't pay my student loans because I had too much credit card debt. I wasn't looking to trade the same debt for debt so I found Freedom and was skeptical. I didn't want to not pay my bills, I didn't want to feel like I needed help. They make it so easy to settle your debt. I have one settlement done for literally half. I save over 200 a month in payments letting me live life normally at the same time I'm paying off my debt. I can't thank them enough for this program. 44 payments and I am debt free and important at the same time. I'm learning how to use cash and live that way so I don't get into this again in the future.

Thanks to Freedom, I am on the way to correcting my Debt issues for the better. I have fewer credit cards and see the control the cards had on me.

So far I am content with the service I am using. I have only been in the program since June. This is as much info that I can give at the time.

First account settled. Right now I couldn't be happier with Freedom. Doing exactly what they said they would do.

They are really helping me with my debt. Been very satisfied.

I would like FDR to be more aggressive with creditors.

You are doing all that you said you would do, program is working. Phone call are still pain! My FICO has tanked but we knew this ahead of time. No complaints about the program.

Very pleased with service and progress. Thanks.

I've only been with the program for about 4 months, but I've resolved one debt already! My first debt was over $1,100 and was settled for $358.20. It was a T-Mobile bill. Next is my school tuition to get me back into school (one year left!!). It's sitting a little over $6,000 and I'm hoping that it can be resolved with a similar success to the last settlement! Either way, the program has been good for me. It's a constant payment every month towards being debt free, and that's my only obligation. They do the rest. It's stress off my shoulders. I've dealt with creditors before and have never talked down a settlement like my last one. So I'm excited to move forward with FDR. Thanks guys!

So far I am very pleased with the efforts of this team. They have reduced one debt by 50% and arranged a manageable payment plan.

I especially like how I can connect with my account and the ease in handling the details. Great customer service! All reps I have spoken with are extremely cordial and courteous. In today's world, that says a lot.

The worst possible experience for my husband and I. Even after 4 years, we are still being charged by the IRS for debts that were paid by this company. They don't tell you that if you pay off large debts, you get taxed on them as well. That's not the worst. Our credit is shot.

I have been with FDR for almost a year, and I still feel like I am not seeing any results. I have contact their office regarding the settlements with all of my creditors. Even though I have tried to understand how the program works, I can't help but to be disgusted and discouraged. FDR has been taking so long with contacting my creditors to the point of my accounts being turned over to collection agencies. And, once my accounts are turned over to collections, I feel like my creditors want nothing to do with FDR. I see many positive reviews, and good for those who have seen good results; but, I am not seeing it on my end.

It would be exceptionally helpful if you are to make contact with my billers, even before you are ready to negotiate with them. If you were to let them know you are now in control of my accounts and they should contact you instead of me, it would stop or slow down the troublesome amount of irritating phone calls.

Very pleased with all areas with this company.

Your service, customer help and accuracy in all your comments and numbers are extremely awesome!

I have only been with Freedom for a short time now. But in that time people are extremely nice, helping me get things resolved and I have one credit card resolved so far and it was the biggest one I had. I'm really happy I joined freedom.

I've been dealing with Freedom Debt Relief since June of 2012. I had twenty thousand worth of loans/credit card debt I needed help with, and they took me on. Their terms at the time were completely within reason, which is why I chose them to help me. Their staff/customer service was always helpful. If I needed to call them, they were there. If for some reason they needed to get back to me, they did so promptly, and courteously. They communicated via email and phone very well, and it was a pleasurable experience.

Great company working well for me. They have already settle one account for me. I am very proud of this company helping me with my debt. This company does very well with communication and email. I have also received phone calls on my progress and how everything is working out. Thanks.

I am excited that my debts are going down, but one thing that bothers me is that why weren't the smaller amounts done first so that they don't have an overwhelming amount for you to have to negotiate with, which in return makes it seem that I owe more than what I actually started out with. Now that I have seen it with my eyes, it just doesn't make sense to me.

At this point we are completely satisfied!!!

I would like to thank each and everyone with freedom relief. You guys listened and helped me with everything. You made a plan that I could stick by took on all of accounts. I would recommend you to anyone that is having problems like myself and I have, to friends and some relatives. Thanks again. I can see the light coming through the clouds.

I was scared at first but now after several months in the program I am feeling much better. The phone calls from the creditors were a bit too much but they have slowed down. I can't wait to see the light at the end of the tunnel and see some progress. I got myself into this mess and I'm very thankful that Freedom is here to help me get out... Thank you Freedom.

Has been very easy to work with at this point. Communication is excellent. I am kept informed regularly of the status of my account. Also, encouraged to visit the website regularly for updates/status. Made to feel important and encouraged along the way.

I'm happy about using Freedom.

Thanks to Freedom Debt Relief I feel like I have a life again. They have taken all the pressure off of my shoulders. Thanks for all the help.

I started with FFN in June and had them take over five accounts. They have settled one (at half the amount owed. I have not been harassed with the three biggest account holders and the remaining one lost the paperwork FFN sent to them... at this point FFN will be faxing them the permission paper (again) so perhaps they will stop calling me. I would recommend this service to anyone who does not like dealing with creditors over and over!

Wonderful, couldn't be happier with the results. So glad I found you guys. Have a wonderful Holiday Season!

I have found them to deliver on every promise to date. My representative was very understanding of my initial hesitation to do this and had the patience to guide me along. No high pressure ever. They keep in frequent contact to monitor your satisfaction. Compassionate Professionalism!

I'm very thankful for the help I have received from Freedom. They have resolved one debt and are working hard to get me on the road to being debt free... A special thank you to Sam, he had been the greatest!!!

I had a very high amount of debt, but FDR was very confident when I signed up that I would be able to settle for close to 50% of my debt. My first card for $3000 was settled at 50% and then I paid 23% charge to FDR. Fine. My next two were for a credit union and they "settled" for 100% ...but I still paid $6000 in fees for ZERO PERCENT REDUCTION. I called to complain, but they took their money anyway. I still feel that was completely unfair since they didn't settle the account at all... just set up a payment plan, which they charged every month for as well. Then my Discover account was settled for 70%. After fees I saved a whopping $461 total. Finally for my last account, I just hired a local lawyer to settle it and quit the program. These were my results after 36 months and missing no payments.

My wife and I have only been associated with Freedom Debt Relief for only two month. However, in that time the staff has already managed to settle one of our accounts. With that kind of response we should be debt-free in no time. The staff is courteous and helpful and are more than willing to go that extra mile. I will definitely recommend FDR to anyone who is looking for assistance.

So far, I'm very happy with my experience with Freedom Debt Relief. They've been very forthcoming and have answered all of my questions and concerns in a timely manner.

I can't get an answer from anyone on whether my Springleaf acct will be added to the program.

After my initial review, I was contacted the following day, and two days later my issue was resolved. The CSR was very helpful and called me each day until I was satisfied with the resolution. I am very pleased with how this was handled, and have modified my original star rating.

I'm so happy with Freedom Financial. They took away my worries! They also help me out when I'm having trouble with payments. The experience has been wonderful and I'm so grateful.

I have had great communications and help so far!! I'm SURE IT WILL CONTINUE!!! Happy!!

I'm very please about this company. They're always polite and very helpful. I'm proud to be a customer.

I have enrolled in the program and had my first settlement after 3 months. I had some issues and had to adjust my monthly withdraw and had a lot of ease doing that. I have appreciated the assistance I have received throughout this entire process and can't wait to be debt free!

When I signed up with this company, they told me I could leave at any time. Oh really? I told them I wanted to leave the program last week... I had a dropped call from them (could have been an accident), but then when I called back, they put me on hold for 20 minutes. Then, I was switched to the department that closes accounts. The guy there tried to convinced me to stay. I told him I had already made up my mind. Afterward, they said they would send me a confirmation email. I did not receive a confirmation email, money back in my accounts... oh and did not receive an email in SPAM. This company is so clever that it would say that it went to my SPAM mailbox. I don't think I am going to get my money back.

Lost my job a while ago. I was struggling with my credit cards payment so I decided to call Freedom Debt Relief on April 2015, and spoke with a nice lady. She got all my information and I asked her if in the duration of this program I will be available to speak with her in any concern and she said yes. Also she told me the duration of the settlements will take between 4 to 6 months. Today is October 16, my credit is the worst than ever with no results. I keep calling her and she never return my calls. One day I spoke with her and she told me that I have to call customer service because she does not have access to my account.

Great Service!!! Freedom Debt Relief is "A Blessing". Thanks to the entire Freedom team for the help and wise counsel. Very truthful and honest. Keep up the excellent work.

Whereas I would rate the overall experience of my time with FDR, from 11/2012 until 10/2015 as EXCELLENT and would definitely refer my friends and family (which I have), I would rate the final negotiation of my last creditor as a less than happy experience. FDR truly and successfully negotiated payments with three creditors over the course of 2013 through 2014. Some of the creditors were difficult to work with. Thus, I never disputed FDR's fees since they did perform the work an provided me with updates. However, the fourth and final negotiation was performed by me and not by FDR. I negotiated directly with the creditor and had to provide FDR with negotiation information and instructions from my creditor since FDR was not a participant in this negotiation. Nevertheless, FDR returned funds to me minus a "fee." I feel strongly that, regarding this particular negotiation, FDR should not have collected a fee.

Personnel extremely knowledgeable, very courteous and caring. Extremely happy with beginning results. Have recommended to a friend. Look forward to becoming debt free thru program. Thanks freedom.

My credit was perfect when I was referred to this company but I was struggling to make monthly payments due to personal financial issues at the time. I was encouraged to stop making my monthly payments to my creditors because then "it would be easier to negotiate" with my creditors after a few months of no payments. They told me that it would only take a couple of months and then after it was all over it would be as if it never happened on my credit report. Well, I can tell you it is not as if it never happened, my credit has derogatory remarks all over it. And... once you have not made payments for "a few months"... more like 6!! They tell you they are in negotiations and this goes on for a while and then they tell you that they can give you a loan to pay off your creditors at the lesser negotiated amount.

So far it's been a great experience for me.

This issue has been resolved. I followed up with the District Clerk today and a "dismissal" has been filed for the writ of garnishment. NLLG did let the opposing attorney know it was not my fault and FDR did make sure they received their payments after NLLG notified them.

On 9/23, I received a Warrant In Debt on my doorstep from Zwicker & Associates that states I am to appear in court on October 19th regarding payment on my Discover account. I called FDR immediately and to be quite honest, the woman I originally spoke with only left me in a panic. I have no idea what any of this means and she made me feel pretty stupid and helpless. Upon her request and email, I enrolled in the National Litigation Group and now I have no clue if that was even the right course of action. My contact in that group won't get back in touch with me.

Everyone at Freedom Debt Relief is so nice and understanding. I've tried several different ways to get out of debt, with no success. I must admit it has been a nerve racking time, but whenever I needed reassurance all I had to do is call and someone would be there with a kind word.

They are working to relieve my debt issues in a very timely manner. Would recommend this company.

Yesterday we settled my first account, the one with the highest debt. I was in the fifth month of the program. The settlement was substantial, as the debt was reduced by 40%. I am gladly paying FDR for their services; they deserve it. I should be debt free in about 2.5 years. Please understand their services to fully benefit of their program. For me, the highlights were: debt reduction, elimination of accruing interest (freezing of the settled debt), a clear, relatively short program to come out debt free (compared to paying tenfold within 10-15 years, if paying only the monthly minimum). Credit score starts rebuilding once the payments restart on the settled debt. In California, we pay FDR 21% of the original debt for their services, on top of the settled debt. This is the only option to bankruptcy, which ruins your credit for good. If you have a substantial debt, this is the way to go. Thank you, FDR!

I've never felt so taken care of by a company before. Freedom Debt Relief has been there from me every step of the way and has started me on my path to financial freedom. I received my first settlement within the first 6 months of being in the program and I couldn't be even happier. They understand this is a stressful situation for all people so they provide the tools and services in order to make this the most streamlined, stress-free, successful experience for all. I couldn't be happier with their service. I highly recommend them to all who want financial freedom and their life back!

You helped in the long run - but it took 9 months to get started. We were getting constant collection calls. I ended up negotiating my settlement with my credit card. I was on the phone for almost 2 hours and negotiated down about $10,000. I thought we would get much more help and much sooner. Our other settlement has not come through and I'm worried about the payments now. I would not recommend this service to my friends. I'm still praying for a quick ending to the problems. Thank you for your help, but I wish it was more & sooner.

Everyone I have talked to or dealt with in any way have been very helpful.

Thanks guys for helping me. I'm really satisfied.

After only 5 months in the program, my debt has already decreased by 45%. I definitely on my way to a debt free lifestyle. Thanks Freedom Financial!!

Everyone I have talked to has been really helpful and they have stayed on top of things to get everything resolved quickly. I have nothing but good things to say.

I was under a mountain of debt when I heard about the wonderful success stories of Freedom Debt Relief. The representatives I spoke with talked about the tremendous success they had in negotiating settlements with creditors. The program they offered sounded really good, the people I talked with on the phone were very helpful and seemed genuinely concerned about my plight. I signed up and started making the recommended payments.

After writing this review everything finally got settled with no additional monies being taken. It still took a few months to get my "graduation" package but it did have a thank you card with the signatures of many people so i felt appreciated as a customer. I still feel you could save money & negotiate your debts yourself for a lot less but if you just don't want to deal with it I can safely recommend this company. FYI upon completion of this program my score went from a 450 to 670 within a few months. I'm now up to a 720.

I have been getting call from people that you all should be dealing with that still taken money from my account and I got one today. They are going to take me to court and sue for their money.

I'm very pleased with the monthly calls, and excellent service. They always answer any questions I have and keep me updated on a monthly basis.

Very professional and kind. They will put your mind at ease. Kim ** the original person I spoke with is amazing and all of the other people were equally kind and very helpful.

I have emailed customer service 5+ times asking them to remove my Western Dental account. I had spoken Kelli ** and she told me it would be removed a month ago. I e-signed what she sent and sent her the proof she wanted. I emailed her and customer support over 5 times in the last month with no response. I prefer communication in email so I have a paper trail. I'm so frustrated that all I want now is my $620 I put in the program so far and for my bank to no longer be charged the $310 a month. I would like my money back within 7 business days without customer service calling me to try and talk me out of it. My customer id is **.

I have not found a job like I wanted to. So it seems to be taking a while to get anything paid. But I will keep looking for some help. You guys are great! I can call at any time and get answers or help to my concerns. I count the months all the time to see how I am doing.

Going with FDR was truly like a large weight being lifted off my shoulders. I no longer had to juggle paying bills just to afford food. I am relieved beyond belief!!!

* month enrolled in program. Never returned a single call. Supposedly settled for 75% on two of my debts before their fees of 21%. This 96% was not the original debt of 7800.00. It was after 8 months of late charges and fees they said I would not have to pay. They always got them negotiated away. Bottom line: they put me 12000.00 deeper in debt between 6 creditors. They settled for 118% of the original debt. Now I am seeking bankruptcy and will likely find an attorney to go after FDR in my state. Don't trust them. They are liars and will allow your debt to increase thereby increasing their 21% profit on the settlement.

I have had a big mess of a problem ever since getting my second summons on a Discover account. The law group they have me on retainer for did not send Freedom the necessary paperwork that I signed for a settlement. Meaning Freedom had no idea a settlement even existed and if I had not called to check on it I would have never known payment wasn't sent and had a judgment against me for not paying.

I just received my first settlement and I couldn't be happier! I'm well on my way! Everyone that I've interacted with has been very helpful and understanding. It feels great knowing I have people on my side and doing what they can to help me out. All my questions have always been answered and I feel really good about how my issues are being resolved. The best decision I ever made was calling Freedom!

Everything about this company or bank or whatever the name is very helpful. I really appreciate about on everything at no exception.

My experience with FDR has been absolutely seamless. The representative I worked with was very helpful and I am kept up to date on my account at all times. Very happy.

Freedom Debt Relief has really helped me to gain control of my finances. They have been diligent at resolving my debt issues and have been excellent communicators with me every step of the process. I would definitely recommend them to anyone who is suffering from credit issues.

It's been great now, that I can start seeing the light at the end of the tunnel. Still have a ways to go, but it's getting easier as each day approaches... Thanks Freedom.

I was so stressed about my bills. After talking to Freedom Debt I feel so much better. They handled everything. No more phone calls from creditors. Such a weight lifted off of me. So happy I called them!

So far so good, I received an email indicating that one of my debts was resolved so that is a huge relief for me and I hope to keep pushing forward and resolve this debt a lot quicker.

Customer service was thorough and patient with my many questions and reassuring when I started getting calls. So far everything is going exactly as I was told it would be.