Freedom Debt Relief Reviews

My experience thus far has been great. Everyone I have spoken with is helpful and friendly and have helped reduce the amount of stress I have felt going through this process. I feel like I've been able to hand a huge problem over to someone who is happy to help solve it.

For this company to have the word "relief" in its name is absolutely accurate. I have been in the program for less than eight months, but Freedom Debt Relief has already negotiated and settled two of my four debts. The customer service representatives are respectful, friendly, and helpful, whether on the phone or via email. They always reply promptly, and have the ability to resolve issues on their own, instead of having to always get supervisors, as some companies do. The sense of relief I feel, having enrolled in this program, is immense. I highly recommend FDR.

I am very pleased to be relief in paying off my debt. The customer service people are so friendly and extremely helpful and they really help you with any questions. They help you feel secure with the service they are providing. It takes a While to build up your account any accounts off, and the creditors are persistent with their phone calls, but we the way I look at it is... I owe the money, so I have to put up with those calls...

I have been impressed with Freedom Financial, with so many negatives in this world this has been a big weight lifted off my shoulders! I have only had good things to say. Everyone that I have spoken to or emailed has been very helpful and considerate. I have already seen much progress in setting my goals. Kudos to all that try hard for their clients!!!!

I was optimistic when I signed up with FDR and, to date, my experience has exceeded my expectations. After several months of on-time program payments, I was able to qualify for C+ program. This program allows for settlement of creditor debt while simultaneously rehabilitating my damage credit rating. My journey to achieve a debt-free lifestyle is now an attainable destination.

Professional and thorough with the process. First class attention and advise.

I am overall dissatisfied with the time it takes to resolve these debts. I understand why, because it was explained to me last month when I was asked for feedback then. The latency is not what was explained during the sales process. I was told within 3 months, not 8 months.

I would recommend Debt Relief to any one of my friends. They have so far come through with everything that they promised me. Whenever I have a problem, they are there to also help me resolve it. I feel I am finally getting my finances back in order now.

When I first started my account with Freedom Debt Relief I was very excited. I've been in the program for 34 months and they've been incredibly successful in negotiating amazing amounts on my 7 enrolled credit card accounts. Every person I spoke to was very helpful and very assuring every step of the way. I have one credit card in a settlement that is now paid off and one last credit card that FDR needs to finish negotiating.

Your customer service is very helpful and supportive. Everyone I have talk to has been professional and I have always felt they were trying to help.

They never return calls or emails. They will never give out extensions so you could just work with one person. When I terminated with Freedom, I was able to call the 3 accounts I had Freedom working on and settled them myself in less than 30 minutes and I didn't have to pay over $1,200 in fees to Freedom which is a rip off. When people call Freedom, they are in desperate situations and need help. Freedom is your best buddy willing to help when you make that initial call but good luck getting answers after that because they won't respond back. The fees I paid out to Freedom in 17 months could have taken care of a couple of my accounts. It really made mad when I was able to settle these accounts on my own. They sat with Freedom all this time and they never made an offer to me to settle them quicker. I was able to settle these accounts for a better rate than Freedom supposedly say they do.

I have been with Freedom for 3 months. I have 8 creditors who by the way call me every single day 2 or 3 times a day. I was told by Freedom 1 account was settled then things changed and now no accounts are settled. I am giving Freedom 3 more months to negotiate then I will decide what to do.

My husband and I are extremely pleased and satisfied with our experiences with FDR! With the help of FDR, we are tackling a problem that seemed impossible and defeating to us. Now we feel a great relief and are looking forward to many more successes with FDR!

The experience has been excellent. The customer service team has been very responsive and have been kind and understanding. They have been great.

It is a scary proposition to admit that you need help to regain control of your finances. Everyone who I have dealt with from the company has answered all of my questions thoroughly and never made me feel awkward. I have already recommended Freedom Debt Relief to a few friends.

I would recommend this program to anyone who wants to get control of his or her debt in a timely fashion. The representatives are very straightforward during the initial process to ensure the program will be beneficial and something that the client is realistically able to do. Also, the representatives are very understanding and helpful which makes the process a lot easier. I really like that I can track my progress and check my credit score as well on the easy to navigate website.

I was told the process would take about 3 months to settle with all clients. It has been almost 8 months and only 1 has settled. I get conflicting information from customer service every time I talk with someone. I am not allowed to talk with negotiators, even to ask questions. The explanation of how it actually works is way different from how I was told it would work when I signed up.

I am very happy I am enroll in this program. Very efficient and always available to answer any question.

I just started the program and already feel relieved. Freedom has worked very hard on getting me debt free.

I rated my relationship with the company as a 4. My only reason for not rating FDR a 5 is I wasn't assigned a personal negotiator from day 1. It was frustrating for me to have to tell my story over and over again every time I called and got a different person to deal with. I faxed several documents to the generic fax number and the company didn't receive even though I had a confirmation sheet that said the faxes went through. I feel if I had 1 person to deal with and to send info to, it wouldn't have been frustrating. All the people I spoke with were professional in their dealings with me and took the time with me to explain where my account stood. Would I recommend FDR to family and friends? Absolutely and already have done so. Thank you FDR for assisting me get my life back.

This is the best thing I have ever done to help me out of my financial problem. They had negotiated with American Express and citi bank for more then 65% off my original bill. If you are tired of just making the minimum payment with no end in sight this is the place you should go to.

I have had nothing but excellent service.

I was hesitant to go this route working on bringing down my debt and improving my credit score but after much research and great conversations and emails with my adviser, I knew it was the right choice. I am more than happy with the service and communication I have received and would recommend FDR to others.

Just great to help out.

One credit card resolved, 4 to go. The settled account was for 70% of the outstanding balance, which is better than 100%. Look forward to the other cards being settled at an amount less than what was owed when I enrolled in the FDR program.

Freedom Debt Relief will tell you anything you want to hear. The one thing they will never tell you is that the creditor can choose not to work with a 3rd party and take you personally to court even with being enrolled in the program. I was enrolled in the program for 10 months. They were able to quickly settle a debt with Bank of America and told me they were in open negotiations with American Express. I continued to pay into the program and one morning almost a year into it I receive notice American Express has filed a lawsuit against me. I call up to question this in a panic state - I am then told I need to bring my account balance up by depositing over $641 to start the settlement deal with American Express and stop the litigation. I deposited the money only to find out there was no deal. Finally someone I spoke with in advanced collections admitted "Amex doesn't want to work with us. There is nothing we can do." So now I am stuck with 100% of the Amex debt plus an additional 10 months of fees and interest.

I am very happy with FDR. Before I contacted FDR I felt that there was no way out, but now I feel relief to know there's help.

I had a letter from Freedom Debt Relief to consolidate my credit card debts. I was hesitant at first because I already had an experience with one agency and it didn't work. They put me in more debts. With FDR, I have a total satisfaction and peace of mind because I am no more paying multiple customers. FDR is one of the best agencies I will recommend anybody to in order to pay off their debts.

I am satisfied that I did not have to go to court, however, instead of decreasing my amount owing, it increased. The promise that the amount will be lowered, "practically cut in half" did not happen. On top of that, now I have to worry about paying your fee of $3000+? So all the sales talk about helping me lessen my burden did not happen. And the negotiator who dealt with the creditors made the negotiations without even letting me know what the offers were. She just took it into her hands to decide what offer to take. I thought we were in partnership when it came to the decisions with my account. ** I have until 2019 to pay off my debt which I could have negotiated on my own. But thanks anyway...

Sent me paper much toooo late. Sent e-mail 3 days ago. Have not yet rec'd a reply!!!

I am very pleased with the help and service provided by Freedom Debt Relief. Their taking over paying our debts down has been a great relief.

Let's start with the positives. FDR have settled 4 accounts for me and 1 account will be settled hopefully by the end of this month. (The last payment was processed recently according to the cftpay website which I was told by an FDR ACT agent that website was not accurate... Umm, ok.) I think they did a good job settling these 4 (going on 5) accounts in a span of almost 2 years. (I've been in this program since October of 2012.) I have 1 account left in the program that will be done in 13 months. I originally enrolled 8 accounts in this program but I had to remove 3 accounts and settled them on my own because, like what happened to most of us, the creditors were NEVER contacted by FDR - they kept calling me, and I was worried of getting sued again so I went ahead and worked on them on my own. So far, I have closed 2 accounts of the 3 that I removed from the FDR program and 1 account I am currently working on (and they only charge me a $10 fee each month on top of my monthly payment).

After being in the program for 7 months, I thought that more than one of my accounts would be settled by now. Otherwise the customer service is great at keeping me apprised of what is happening.

So far I have been very happy with the results I have had. Still have more to do and looking forward to the same results.

I enrolled in your program late in March. It's now almost six months later and only one account has been negotiated. I wrote to Customer Service twice in the last ten days and have only received the canned ack letter. I get at least four calls a day from Citibank - this should have stopped long ago. Also an occasional call from another creditor - namely Laura ** at Synchrony Bank. She even called at work after I was gone for the day! I thought that was illegal. Is there a way to get out of this?

Freedom Debt Relief has been a great help to me in getting my debt reduced and helping me to get out of debt. Without the negotiating power of FDR, I would still be behind in my monthly payments.

So far I have been very satisfied with the service I've received. Keep up the good work. Can't wait to have those bills all paid off.

I have not made a payment on 6 credit cards since 12/13 & you have only settled 2 accounts. 9 months & only 1/3 of the accounts settled, what the hold up. Gitty-up!!!!!

So far we are very pleased with Freedom Network. We followed the instructions and part of our debts has been settled as planned. We have received information as needed and everybody has been courteous and patient with us when we had questions.

When I was losing my mind trying to juggle minimum payments and getting nowhere successfully, a friend told me she was on the verge of bankruptcy and used Freedom Debt Relief. They are helpful and knowledgeable and always get back to you quickly with an answer. I am happy to be a client.... one debt paid so far and working on the others. Phone calls are starting to lessen from debtors, finally! Thank you for your help.

I just like to say that the day that I start in this program, I was a little scare and concern but once everything was falling in place I was more than happy to be in this program. It did help me a lot and it took a lot pressure from us. I will recommend this program to anybody.

I joined Freedom Debt Relief after their "sales guy" sugar-coated their services and sold me on them. I was told that my creditors would stop calling me once I read the Freedom Debt Relief script to them and gave my creditors Freedom's number. That is not true. I get AT LEAST 20 calls a day. I've read the script to my creditors and told them to contact Freedom Debt Relief and my creditors don't care. They continue to call. When I contacted Freedom Debt Relief about this, they back tracked and said that they never say that my creditors will stop calling.

FDR is great company. Please keep paying all creditor for me that all want. Thanks FDR help.

We have been making payment for 6 Mo. now and only one settlement has been negotiated. I also made an extra partial payment. I am getting hounded by creditors. I had one try to settle with me but paying Freedom and them would not work for me. Please settle some more debts as you promised so I can rest at night.

We joined the program since January 2014 and we think that we received a lot of help in our Financial Dilemma! Lots of Creditors have been resolved, to our utmost satisfaction. We can safely say it is a great Program to join. We are now looking forward to solve the rest of Creditors. Thank you to all the Staff!

I have been with this company now 3 months and have had very good results with their care of my account. So far all is going great and expect it to continue. Thanks for help me reduce my debt.

This company has been available to answer all my questions and solved all my problems.. I recommend this company who has debt problems.

I am pleased with how informed you are keeping me.

So far, both myself and daughter are happy with the service that has been provided to us.

My experience with everyone has been great... It has taken a lot off of me to know they are taking care of all my debt.

Highly recommend your services.

Signed up for this service last October (2013). Have resolved 2 of the 5 outstanding debts about 1/3 of the total. With the exception of one phone call, the service has been very good. I would recommend them. Please note, they have no ability to help you if you are served with a Summons by your creditor. Having some knowledge to file response papers may be needed.

Freedom Debt Relief has helped me reduce my debts. However, one of the complaints I have is their website advertises monthly settlements for some of the more common creditors such as Wells Fargo, Chase, Citigroup and Bank of America. In the case of Bank of America, which is the creditor that I am dealing with, for the past 12 months they have examples of clients settling consistently for 33% of the amount owed. Yet they settled one of the 2 of my accounts for 50% with their fees totaling over 25% of what was owed. On top of this, they take their fees off the top before they actually pay the settlement. After being in the program for almost 3 years and paying above and over what was expected, I feel a little disappointed in the manner they've miscommunicated what the expectations were for settling accounts with BoA. After speaking with an attorney I've discovered that I could have negotiated the same settlement myself and made similar payments myself without having to incur such fees and had this issue resolved much quicker.

I started this program December 2012 with 4 accounts. Recently one was sent to court and I had to take the money from the dedicated account I had which was $895.00 to have a lawyer represent me for my case because I was being sued for the total amount. I spoke with Kevin and he advised me that if they do settle with me that my amount wouldn't change when my payments were due. So why did we get a phone call saying we have to pay an additional 125 a month? He told me that the contract would be null and void and we would get a refund if the suit was going to be lost. Well that was a LIE. If we started paying for the settlement for 4 accounts and the NEW settlement is actually LESSER than the first settlement amount, why do I have to pay more for?

The representatives have been professional, dedicated, and informative in handling my account. I would highly recommend them to people I know and are facing any kind of financial hardship.

Presently, you are doing a superb job in helping to resolve debt. Can't wait until they are all paid.

I am less than 1 year into the program at this point so I have a lot left to make a full assessment, but so far things have been really good. Every question I have had has been answered and I always get a response within 24 hours or less. They have resolved one of my debts so I can vouch that at the very least they have communicated as they stated they would with my creditors. Based on my experience to date, I am happy with the service and program.

I am very happy with FDR and appreciate the lesson on "How to Save Money"... I am very pleased that I am now seeing a first result, and that I am paying off my debt(s) in a clear and responsible manner, and that I am working hard to understand the importance of patience and sacrifice. Amen.

I have only been with Freedom for about 9 months and they have already settled one of my accounts and have another almost completely settled, and have tentatively reached a settlement on another account. I could never do it this quickly on my own.

I was in need of credit relief when I found FDR. I am so blessed. Have been with this program for 4 months and have resolved 1 account and making progress. This is wonderful and I am so thankful to have them. I am less stressed now. I would recommend this company and program 100%.

I am relatively new to the program. I have been enrolled less than a year. As of this time Freedom Debt Relief has already resolved one of my outstanding debts. Their customer service reps have always been helpful and I am looking forward to completing the program.

Thanks for helping me get my debt issues on the way to be resolved!

The introduction was impressive, very sugar coated. They made you to believe that within six months your debts would have been settled. In the long run they became two mouthed, you couldn't get a straight answer. My time with them ended with going to court without any kind of representation, my case became public record as a delinquent. At the very end I paid the creditor out of my pocket. Although they did settle with the other creditor they kept monies that was promised to be returned because they never said what their fee was in the beginning no matter how many times you inquired. I WOULD NOT RECOMMEND FREEDOM DEBT RELIEF TO MY WORST ENEMY. If I knew that my situation would have been public knowledge I would have negotiated with the debtors myself and paid them off.

I have been with the program since November of 2013. I submitted 7 vendors to be paid. To date they have settled 5 of them and most of them were paid off by 40-50% of the outstanding balances. I admit it was a little stressful in the beginning but after a certain amount of months, it worked in my favor very well.

We have been a member of Freedom for 8 months. 2 of our accounts have been settled. The best is knowing that I have someone a phone call away that I can call and get advice. If I receive a letter, I have someone to fax it to who can tell me what to do with it. I had 8 accounts. Now I feel we are getting somewhere. It will take time but I know we are getting better each day.

I love the way I am kept up to date on the progress of my reconciliation. I am further along than I imagined I could be by now and I'm excited that I'll be debt free soon.

We called and was helped the day we called and have received calls every so often to see if any changes or concerns. Every person I spoke with was polite and helpful.

I signed up with this company in January and am now in August with one account paid off at 30%, another about to be paid off at 50% and another having just entered settlement. The only thing I have done is to scan and email any correspondence I receive from my creditors, sign anything they need me to sign, and make sure I have the monthly amount to be drawn from my account every month. Customer service is always helpful via phone and email. At first, I was receiving calls and emails as a courtesy check-in every two weeks. Now that I'm in settlement, they come at least once a month. I am very happy so far, and can't wait to see all of my debt gone!! I highly recommend this company, as long as you are financially able to grow your account to help settle that debt!

I had to stop the draft for a couple of months. I have called twice to have it restarted and was assured it would be. To date it has not.

Yes very satisfied. Freedom financial took all the stress and worry I was feeling away.

I was extremely disappointed with Freedom Debt. I feel you were sitting back waiting for the creditors to seek legal action instead of being proactive in settling our debts. You only settled one. It was because a lawyer got involved and we only save 300 dollars of the total debt. We have since settled 2 on our own and were able to cut both debts in half.

I have had nothing but a positive experience with FDS. You have answered all of my questions and been very attentive to my account.

We have been able to resolve 2 of 6 accounts in our first year alone with an average of about 45% of the account balances as the settled amount. Service and attention along the way has been outstanding.

So far I am happy with the outcomes of the company. Very happy with the customer service operators and the friendliness of the staff and workers.

I had a huge debt (to me anyway) that I owed to a bank credit card. This was really the only credit card debt that I had but it was overwhelming. With my other day to day expenses of living I was really hurting financially. I was running in the red. Other companies that I talked to either did not want to help me with only one card to resolve my debt or their payment plan was out of my reach with my financial position. Freedom financial was willing to work with me to come up with a payment plan that I could live with. I am paying less per month than I was paying on the card and I am well on my way to resolving my outstanding debt. Thank you Freedom Financial!

My experience started out very rocky. However, after things were settled in, I have had nothing but a fantastic relationship with Freedom Debt Relief. Their team is so friendly and helpful. They listen, have empathy and truly do everything they can to help. Many thanks!

My biggest concern in my case is that they do not try to settle the accounts that have a higher balance. The longer you wait more fees added and finally it is going to be the customer responsibility to pay it all. Because FDR already got their fees taken out. FDR also need to be reminded time to time so that THEY will look into the account. My first settlement was not even looked at until I called them and mentioned about "how I have been waiting to hearing from them about a settlement". These are the major disappointments I have with FREEDOM DEBT RELIEF!!! I have been paying on time ever since I was enrolled.

They are doing exactly what they say, and I am happy so far with the results. Great job.

So far so good.

The beginning is not nice but later You will be ok.

So far after 6 months, my experience with Freedom debt Relief has been positive. They resolved one debt and waiting on a much larger account. They gave me the incentive to resolve another account on my own. The high interest rates made it impossible to catch up on credit cards so even though your credit rating goes down, it really helps to try to get rid of the debt and start over.. They are courteous, helpful and consumer friendly.. I recommend them highly!

Since joining Freedom Debt Relief I get e-mails keeping me updated on my status, phone calls just to check on me seeing if there is anything they can do or answer. The workers here are very courteous and take the time to explain to me what's going in and what can happen. Thank you Freedom Debt Relief for all you do and all you've done for me and a piece of my that everything is going to be ok. Thanks again.

They claimed to help me but have done nothing at all for seven months!! They are not settling ANYTHING! I am still getting threats of being sued and they made me commit to an unreasonable amount of money a month, so much that I may lose my home now. They will not give me information about my own account! Refuse to return calls and the biggest lie they tell you is that there is no fees unless they settle. That’s funny because I paid hundreds in fees and NO settlements yet!! Now I am trying to just get my money back and can't even do that!! Freedom Financial you owe me a couple thousand!

You were always ready to help. Did a great job. Got our life back somewhat.

So far I can see some progress. My questions are answered in a timely and caring way. Of course I will be glad when everything is finished but I have been diligently changing how I manage my money.

Everyone has been helpful.

I was in the program for approx. 9 months. I was always calling to see where exactly my account was going. After I would call, things would happen. Paid off two accounts or made 2 offers I should say. My credit was fine before I got in the program, was never late. Just wanted to get in program that I could get rid off accounts in a timely manner. I guess I was in a program that was not for me. I have cancelled and my credit is ruined. I couldn't qualify for anything now. Every time I called I got someone new and always a different story about my account. I can't do anything now so I guess I need say no more but I would never recommend Freedom Relief.

I am very dissatisfied with this program and would not recommend it. In hind sight, we should have gone in a different direction and investigated more thoroughly before going ahead with Freedom. The endless phone calls from creditors even after we mailed a letter to each one with change of address and letters requesting that our accounts be closed. We fully understand that it is our own fault for getting into debt in the first place, but Freedom Debt Relief was the wrong program to choose. Our credit score is horrible and it will take years to reclaim a good score. The other thing is that it has affected the chances of my wife getting a job as companies do credit background checks. Thus, with the state of our financial status being in horrible condition, employers see that as a red flag and do not even offer an interview.

I am working on being debt free!!! So far, it has been easy... I have nothing but nice things to say about Financial Freedom. They have made this experience pretty much pain free :)) Then people from Financial seem to know the pain I was going through and has made my life much better. I want to thank them all!!! I still have a ways to go, but now I see the end of the tunnel.

I am happy that my debt is SLOWLY getting resolved. However, I have never had bad credit and this is hitting me very hard. I cannot trade in my vehicle, move to a new rental, or apply for a new job because I work in the banking industry. I guess I thought this process of settling the accounts and seeing my credit turn around would be going faster. I did not realize and was not told until the last conversation that I had with your company that it can take the entire term of the agreement to get these companies to settle. That pretty much puts my life on hold for over 3 years.

I am happy with Freedom in trying to help My Wife and I to resolve our outstanding DEBT. We have been with Freedoms's program for almost 9 months. As of now only 2 have been satisfied. As of now we can only have the amount designated to be withdrawn on the designated date due to financial hardship. We continue to receive letters from now 2d party Creditors and also calls to my work. I have faxed these letters to Freedom w/response to that they have received them. I will be doing this again as I just received another notice from a 2d party collection company. I also recite the saying and provide the number to Freedom. Where does it end. But all in all I am very satisfied.

They lie, cheat and steal from people in vulnerable situations! They have done nothing to help only make my situation worse!!!!!!!

Thanks for your help. Your Honesty, Respect and Guidance allowed me to make my decision in resolving my debt with your company. Keep up your good work.

We are very please with Freedom Financial. Your Company takes the stress of trying to determine how much to pay each month to get rid of the debt. Thank You.

I would highly recommend Freedom Debt Relief. My husband & I found ourselves in a financial bind after he had been off work for Surgery. We could not get ahead on our credit card debt due to high interest. We have only been in this program for 8 months and already Freedom Debt Relief has settled 4 of our debts for. They have been very helpful anytime I have called in with questions. We would definitely recommend this company to anyone.

Since signing with freedom in October of 2013, my debt has reduced by $3000.00. I could not done this on my own. I am very happy with the service I receive each time I call their service department.

The whole process of debt relief has been a good experience for me. It was a little annoying at first, getting harassing calls from creditors, but with the tools offered from FDR to handle those calls was the best route for my situation. I could not have done any of this without FDR. I am looking forward to settling my one last debt, hopefully in the very near future. I was not condemned for getting myself in such a financial bind. FDR employees were very understanding and kind to me, as they gave their all to ease my burden and help me to pay off my debts. I will definitely refer FDR to anyone who needs this type of help. Thanks to all of the FDR employees for giving me the help and encouragement that is invaluable to me in this situation.

I was skeptical at first, but have been pleasantly surprised with the progress they made. I would recommend them to family and friends.

I have had good results so far with Freedom Debt, they are easy to work with and are there for whatever you need answered, and any question, or concerns. Very Happy.

Freedom Debt Relief has been GREAT in negotiating with my unsecured creditors to reduce my debts and pay them!! Due to loss of income I was unable to pay as they were scheduled so by obtaining the assistance of freedom debt relief, I am able to combine all debt and pay them all off in 4 yrs.! I contribute bi-monthly to an account set up for me so as Freedom Debt Relief can pay my creditors as $$ allows!! This has been GREAT to cut down my total debt and payments during my financial HARDSHIP!! To become debt free a lot quicker and reduce my debt amount is stress relief!!

My wife and I are extremely happy with the progress that is being made for us to become debt free. We had our moments of panic when creditors would call, but we stuck to what your employees told us and everything so far is moving right along. Thank You.

I am really happy for the big help and support that I have with Freedom. I am almost finish my due and the experience that I have is easy and quit. They always get in contact with me right away to let me know that we about to closed an account soon and ask me if I am agree with the percentage that they get. I am very happy and I recommend to let Freedom to solve your due.

We are very happy with what Freedom Debt Relief is doing for us! We have 12 accounts and have been in the program for 8 months. Freedom has resolved 6 of our accounts already! We are so thrilled to be getting out of debt! Thank you Freedom!

Freedom has been a great experience. They have been very helpful and always communicate very well. Anytime I call or have a question, they always answer and put my mind at ease. It is a trying time going through the process but they definitely make it easier. Thank you. I would totally recommend.

Was not satisfied with the last negotiation. It would have not gone to court had someone contacted them and tried settling payment arrangements.

My husband and I started with this program about 1 year ago. We made our payments faithfully for about 6 months of 280.00 monthly. In this time we didn't get 1 card settled. We were however sued by Wells Fargo. They were able to negotiate a settlement so that we could pay the entire amount that we owe them. So we saved 0.00 but of course we got to pay the fees they charge for negotiating. I could have done that myself without getting sued and having a public record on my credit report. Plus I wouldn't have to pay myself a fee. Either way, what's done is done so we moved forward. They called finally and offered us Consolidation Plus. They said, "Your payment will be about the same as you are paying now," so we agreed. We signed all the proper documents and got the program started.

Good so far. A big relief.

I've been in the program one year. I enrolled with $46,500 in debt after going through divorce. Prior to enrolling I had never been late paying any bills. My wife and I adopted a child and it was very expensive. Split costs up on 4 different credit cards. Then I lost my job, and my wife divorced me soon after. I've paid FDR over $10,000 and have settled on one of my 4 accounts. If I had at least one more settlement it would be a 5 star review. The people at FDR are a pleasure to work with and always answer the phone with questions I have. Great customer service.

I would recommend Freedom to anybody.

Freedom Debt Relief is efficient and wonderful to work with eliminating my current credit card debt. They are kind, courteous and reliable. I would recommend them to any person who wants to become debt free in a fraction of the time and money...

They were very helpful in negotiating a lower payoff with my creditors. I have been in the program for only one year and have already paid off two creditors and am in active negotiations with a third. If things continue on this track, I hope to be debt free in 2 years.

This was the best thing that could of happened to me. I was so lost and down for I had no idea how to solve this debt I was in. Then along came FDR and gave me a solution. It is a great program and would recommend to anyone who was in the same boat I was. Working with FDR has been a very great experience and a happy one. They are great.

I have been working with Freedom Debt Relief for close to eight months and have found them to be both courteous and professional to deal with. During the time, they have settled almost half of my debt with the creditors involved and have made my life a lot easier. When I first started I was a little apprehensive about working with them, but all the contact I have had with them changed my view quickly. They keep me update on all matters involving my account, and I would highly recommend them to anyone who has run into the situation I found myself in.

Has been the best experience and I am grateful for their expertise, professionalism and customer support during this process. Without their guidance, who knows how long it would take to eliminate my debt concerns. Definitely would give them an "A". Every representative I have spoken with has made this experience a pleasant undertaking. Thank you to the entire team!!

So far so good! I was skeptical, must be honest, however I'm very happy with the progress I've made in such a short time! Great communication with any questions I've had.

I had 4 credit card debts that was overwhelming. Two of the cards had exceptionally high interest rates. I called the creditor to see if it was possible to reduce the interest rates because I was struggling making payments large enough to reduce the principle on those two cards. I was told that if I could not make the payments then I should stop making payments. I turned to Freedom Financial and they were a very big relief. All I was asking the creditor for was a rate reduction. Freedom did better than that. Thank you.

So far Freedom Debt relief has been helpful, professional and have fulfilled all of their promises. I am thankful that my husband found them.

I'm very pleased with Freedom Debt Relief. I was lost for a debt solution until I contacted Freedom. I am little by little seeing my debt disappear. I can see an end to my debt; before an end was hopeless. I have received the most professional care. I would recommend Financial Debt to anyone.

I'm only eight months into the program, but it has given me peace of mind. I did not want to declare bankruptcy.

I have been working with the program for 9 months and couldn't be happier! We have settled a lot and can't wait to settle more. The hardest part is not answering the phone calls. They do the work for you and as long as you do your part and keeping them informed on what you receive. Thank You Freedom Debt Relief!

What a relief! Knowing that your debt will be settled for half (in most cases) if not more than half! I am so happy I got off the debt cycle and got on the relief train! I know my debt will all be paid in full - I actually have a time frame. As it stood, I had no chance of EVER getting it paid off. The debt counselors stuck with me through my tears first of fear then of relief!! Great job!

Freedom Debt Relief has been wonderful for me! I am 12 months into the program and two of my creditors are into the payoff stage. I see a light at the end of the tunnel and I feel that this is the only way I could possibly ever get out of debt. The customer service is TERRIFIC and I could not have asked for a more positive experience! I have recommended several friends to the program already.

I am very pleased with all the help that Freedom has done for me. It really has eased my debt worries.

This has been a great program for me. Like I said in my title line, I should have done this years ago, but I was afraid and didn't know what the program was. I had some life experiences that just rocked me financially. I was sinking and very frustrated, constantly worrying about my finances and if I would be all right. This program has given me back some peace of mind. The program helps you if you follow the program and help the people who are trying to help you. What I mean by this is: ensuring you are able to make the program payment drafts, contact the program when you receive correspondence from your creditors, respond to the correspondence you receive from Freedom Debt Relief. Know that you will get phone calls from creditors at the start but the program gives you guidance on what to do and how to handle this.

Freedom Debt Relief is helping me reduce my debt without filing bankruptcy. Thank you Freedom Debt Relief!

First started out, was not to happy with program but was told to see in a year if you felt the same way. I have to say that I am very pleased so far with the results. Please keep up the good work.

Thank you guys so much! You have took my stress away. My life is so wonderful.

I was so far in debt due to the economic situation and jobless rate that affected my roommate and fiancee. As the sole income in the household, it fell to me to meet the bills. During this period I was laid off and my car developed problems so severe, the repairs cost more than the car was worth. Freedom guided me through the process in a logical and straightforward manner. Credit card companies do not want you to get out of debt, and in many cases you have paid them off years ago. You are making interest payments. In the first year, I was a third of the way done, ahead of schedule, and able to see the light at the end of the tunnel. Yes your credit score goes down, but it was going down with the amount of debit you had amassed. Stick to the program and follow what the Freedom staff tells you.

Freedom debt relief is the best company to resolve any debt. The staff professionalism, intelligence, trustworthiness and friendliness is magnificent. My experience with FREEDOM DEBT RELIEF has been highly satisfactory. The excellent service I have received place my mind at peace. All my high interest credit cards are in excellent hands that, there is no need to worry. Freedom debt relief has already resolve some of my accounts and working diligently to resolve the rest. Am so grateful for all their hard work in settling my accounts. If I were to be in this situation again, FREEDOM DEBT RELIEF would be my first choice. Their service is EXCELLENT!!!

I have been with Freedom for 7 months and have resolved 2 out of 7 already. Every time I have called whoever has answered the phone, has always helped me and answered all of my questions. They have always been polite and friendly. Since I have not been in the program very long I do not have a lot to say - when I am in longer I will have more to say. Thank you FDR.

After many sleepless nights, I went online to see if there was any help I could receive with my debts. Freedom Debt popped up. I plugged my email address and phone number into their website. I received a call from a representative the very next day. I missed the call and was honestly afraid to return the call. The same representative called for several days and left messages. After listening to one of the last calls stating that she just needed to know if she should close my file, I finally called. I will always be grateful to her for her persistence. She was very informative and patient.

I recommend Freedom Debt Relief to anyone who has a huge amount of credit card debt and who wants a fresh new start in their financial life. You have to be patient and be able to trust them and soon your debts will be resolved in matter of months. If you are really in debt and have searched countless programs, do not worry, contact Freedom Debt Relief. But as a customer, you also have to be true to yourself in a financial sense and picture yourself 10 years ahead debt free and saving up money for future.

Freedom Debt Relief is the way to go. This was a smart move to me to join Freedom Debt Relief. They are very helpful, always there for you when you need them. I would recommend Freedom Debt Relief to anyone who need the help with their bills. Anyone to talk to they are very professional.

I'm only a little over a year in the program and now there is a lawsuit against me from one of the creditors so it would be nice if FDR would focus on that.

On the whole, Freedom Financial has been extremely helpful. All persons were sympathetic and reassuring, which has reduced the level of stress in dealing with an otherwise uncomfortable situation. I would highly recommend Freedom to anyone.

So far doing well, have 5 accounts and 1 is settled so far!

FDR has giving me great customer service and have been very helpful resolving my debt. Thank You!!

I am so happy with Freedom Debt Relief. The best - they are doing great job. Thank you for everything.

I have been in the program for about 7 months and so far everything has been so easy to do and my credit card debt is getting lower - thanks to Freedom. I am so glad that I went this way instead of bankruptcy. Thank you Freedom for taking the weight off my shoulders and the burden of dealing with creditors.

A lot of financial help.

I have been very pleased with Freedom Financial. The only time I was a little disappointed was when I was asked to negotiate a settlement with one creditor and at the same time, was asked to approve a different settlement with a different creditor. Then I was told that I didn't have any funds left to cover the one that I negotiated. I asked for direction but received minimal or no direction in handling the creditor. I called three times to speak to a manager and have yet to receive a call back. It was only the last customer service representative that I spoke to that was able to give me a little bit more direction than the others. I'm hoping things go more smoothly from here on out.

I have been happy with my experience.

Freedom debt relief is really helping me get my credit under control. I've faced some issues but their advance credit dept has done a great job...

If I wouldn't have gone thru this program, I would've been in worst financial shape ever with nowhere to turn. The program helped me so much to understand how I could start getting myself out of the mess I was in. Everyone was fantastic. I had no light at the end of the tunnel until I signed up with FDR. At first it was a little mind-boggling and with their help and working with me and creditors, I now have hope that my light is so much closer in sight.

FDR was a great help in helping my family and me get back on a financial footing. When banks that we had paid 10s of 1000.00 of dollars our 30years Rejected us when we asked for financial help.

Freedom Debt Relief have been professional and helpful. If I ever come across a question or problem, they make it easy to get the answers and address any problems that may arise. I am halfway through the program and I have been very pleased with the results so far.

I tried for over two years to pay off my debt. Then something would happen and I would have to pay it off again. I have gained a lot more discipline with money. I have become quite a saver!

Everyone was so helpful and kind. I am so glad that I didn't totally ignore that first phone call. Thank you all from the bottom of my heart. Thank you, thank you.

I am very satisfied with how my debt is being handled. I wish things would move faster but understand that it takes time. I am also very satisfied in the amounts that Freedom Debt Relief is able obtain for me. You know that Freedom Debt Relief is 100% on your side when they settle with a creditor. I would recommend Freedom Debt Relief to anyone that needs help.

I am on the fence with this company. They have negotiated 2 out of my 8 credit cards in 7 months, but I have read some of the horror stories of them not paying out the creditors. They offered a consolidation loan that I had become "eligible" for due to my diligence in making my monthly payment, but was not clear how much I would be paying and could possibly pay more a month if needed, so I declined. I am definitely going to try to get a confirmation of settlement from the creditors that they say they have negotiated with. I'll feel better about it when my creditor balance shows 0 and shows that Freedom is actually doing their job.

I was in a lot of financial trouble with nowhere to turn. I did some research and ended up with you. So far so good. - Thanks

The customer service is pretty good until you have to deal with the advanced team. I had gotten sued by one creditor and had 30 days to answer a summons for court. I was told they would send me an email in what turned out to be just almost a week before I had to answer the summons. I had written them twice asking them to send the email sooner as it was supposed to tell me what to expect or whatever, I wanted to be prepared. I never gotten a response from them until they sent the email a week before my court date. Good thing I decided to go it on my own.

I have paid into my FDR account every month but so far only 1 account has been settled. I hope to see more movement ASAP!

Very happy so far. I was hoping to be farther along with the other creditors by now. But satisfied overall.

I couldn't be happier. Freedom has actually given me the peace of mind to concentrate on the rest of my life. Thank you.

From the very beginning with a start of a phone call, I have been helped and made to feel it is going to be okay you're not alone. I have never been treated better and advised as we got into the program and being part of the process. Thank you, Freedom Financial.

Getting bills paid.

I am very pleased with Freedom. We were in a real bind and by chance heard of them on the radio in the car. Called immediately and are very pleased with their progress. They are easy to talk to with any questions we have along the way. Thank you Freedom.

I was somewhat apprehensive when I first started this program, however, this company has been a pleasure to work with. They are easy to communicate with and provide me with excellent service. They answer all my questions as well as resolving my financial issues. It is wonderful to see the light at the tunnel. Thank you Freedom Financial!

Freedom is always helpful, great company to work with, highly recommend them.

I signed up with Freedom and had 5 debtors. They began negotiating with two of them and did reach a settlement, which I am still paying. I was sued by another creditor and they negotiated a settlement with them but made sure I was charged for their fee first. They increased my payment to them for the next five months by $680 and that puts a tremendous financial strain on me, but they don't care at all. You can contact your creditors on your own and they will negotiate a settlement with you for no fee. I found that out way too late. Also, they are not accredited with the Better Business Bureau which is very disconcerting. Watch out!!

I am beginning to feel what it is like to be on the journey to freedom from debt.

What a weight that has been lifted off me. Freedom Debt Relief has been a God-send. In life things happen and it is nice to know that there are people and places that still care and are honest. Thank you so very much.

After being in the Freedom Debt Relief program for nine months, I am very pleased with the results that I am seeing thus far. Everything is going smoothly just as they said it would. I look forward to more progress being made in the near future. I highly recommend Freedom Debt Relief for anyone who experiencing difficulty in making their monthly credit card payments.

I've had excellent service with FDR. They were very helpful and understanding during a tough time. They were always able to answer my questions and were not pushy.

This is a wonderful way to becoming debt free. This system provides you with numerous advantages and options. I recommend this program highly.

We were in serious debt. All staff we have dealt with were kind and honest. Would recommend because the program is working for us. We can see a light at the end of a tunnel.

I checked the checking account a few minutes ago and there is $250 in the account now. I have a payment next week to the bank that Freedom Debt Relief set up for me. The arrangement was to pay the bank $1100. Freedom Debt relief is changing me $610. I am going to pay the bank and FDR but I will not be able to continue the program due to lack of funds. When I looked at my bank account a couple of days ago the balance was zero so I thought there would not be funds to pay the bank but I was wrong because my deposit had not cleared.

As I read some of the complaints on this website, I know that I am not the only one who has been taken advantage of by Freedom Debt Relief and Consolidation Plus. I filed this complaint Case # ** with the Better Business Bureau, but nothing came of it.

I got with freedom debt November 2009, paying $240.00 a month. I had 3 accounts, they claim to have settle one account for $533 but never seen proof of that. By August 2010, I was being sued by JP Morgan Chase. Freedom debt claimed they have been communicating but they wasn't. By January 2011, Chase offered a settlement to dismiss the debt without prejudice. All I had to do was sign the paper work. I faxed a copy to Freedom Debt and asked should I sign it because at the time I didn't know what "without prejudice meant'. They said no, do not sign paper from Chase; let us take care of that. By March 2011, I was in court and the lawyer looked at me crazy asking me "why you didn't sign it? The debt was being dismiss!" I said "Freedom told not too sign it and they will take care of it."

This is a bad company!!!!! STAY AWAY....They told me everything was fine and two month later, I found out that my accounts are late, they did not send the money to my creditors. They showed me transactions complete, but NOT CLEAR SO the creditor did not get that money!!! Where IS IT??? Crossroad Financial Tech (where FDR deposits your money) charges a lot for a bad service. I need to get out of this.. Please, work directly with your creditors, Do not trust Freedom Debt Relief.

Went into FDR with a large amount of debt. Was told that they could take care of it in 3 years at $610.00 per month. With my ok, I went forward with this. Everything was going great until the end. After the 3 years of paying out $610.00, my automatic with stopped so I figured that it was over and everything was settled. Five months later, I get a bill from a creditor for $17,000 saying that they haven't received pay since Sept 2013. When I called FDR about my problem, the lady told me everything would be taken care of. They will call me back to let me know. They never did so I called them and they started blaming me saying that I stopped the $610 a month payment, then proceed to drop me from their program without any help unless I send them $2,000 to restart the program. So now I am stuck with a $17,000 bill I have to figure out how to fix. And I was never warned about the taxes you have to pay on the settlements. PLEASE STAY FAR AWAY AS POSSIBLE....

You can do what FDR offers yourself! I enrolled in the FDR program for approximately 20k in debt. I ended up paying 10k (including fees) which is still significantly less than my debt but, everything they did, I could have done myself. I paid more in FDR fees that what my accounts settled for. They promised to work with the creditors to reach settlement offers. They did not do that. My creditors sent me the same settlement offers to FDR, so you can do this yourself and not pay the 21% in fees that they charge as well as additional monthly fees. One of my debts, I received a 1099-C which is a charge off by the creditor. FDR claimed they reached this settlement with their negotiations but in reality, my creditor just got tired and charged off the debt.

I enrolled $50k in the program. Bear in mind they charge you 21% on that total amount throughout the period that you are with them. So that's $10.5k. They paid off most of them at about 35% of original amount (one, Discover, was at 80%). So that's $17.5k. Plus you get a 1099 from the credit card companies for the discharged debt of which you pay tax (so say 30% fed income tax and say 7% of state income of the $32.5k of discharged = $12k you pay in tax). So altogether you pay $40k (instead of the original $50k -- I actually paid more since a higher tax bracket than 30% and I'm in a state where income tax is 12.3%). What does not make it worth it is the "fee" they charge!! I would've been better off just paying the total to the cards themselves and keeping my credit or negotiated with the cards myself which I did on $25k worth and got them down to $6.25k. You really don't need Freedom Fin. and when you're done, they make it EXTREMELY DIFFICULT to stop the debits on your checking account etc. Stay away from them.

I highly recommend everyone use Freedom if you are in debt. They resolved my debt before the projected time promised.

I joined FDR. I made all my payments on time. I started with a debt of $31000. After 36 months of payments they wanted me to join their sister company who in turn would loan me enough money to pay off the debt that was agreed upon with the credit card companies. After doing the math by joining them and paying their high interest rate it would have cost me over $39000 to pay off a $31000 debt. They settled with one of my credit cards. After they had an offer with Chase I made 19 payments out of 21 when they told me that Chase had pulled the account back and that they would need to wait until it went back into collections. In the meantime interest and late fees would be added. I talked to Chase myself and found out that they would stand by the agreement that was agreed upon. I only had to make 2 more payments and I was done. FDR never told me this.

I was drawn in by FDR's marketing and promises of COMPLETE competency with resolving my unsecured credit lines. FDR did NOT contact the creditors as promised and indicate an intent to settle. As a result I was sued by multiple creditors and received NO assistance from FDR. I finally had to declare bankruptcy to resolve all the issues that FDR had promised to resolve. FDR is a ripoff. You can accomplish more by directly contacting your creditors and negotiating a settlement. FDR takes your money and holds it in an account (collecting interest and deducting their fees) until they feel they have enough to settle one of your accounts. If a creditor gets tired of waiting, they can sue you and FDR will not be there to help... but will be there to take your money. FDR is taking advantage of people already in a difficult financial situation.

I started FDR in august of 2009, and paid 400 per month until present February 2014, YES almost 5 years!!! I have paid in over 19,000.00 to FDR, 5,000.00 of that amount was for customer fees. I settled only 5 of the 9 accounts I had with them. The remainder accounts were sent to me as 1099-C's So I had to claim 17000.00 on my tax return this year, yeah a huge hit in taxes! What really upset me was their lack of trying to negotiate debts in a timely manner. Basically my creditors gave up wanting to negotiate so they forgave the debt…. I could've filed bankruptcy for a few hundred dollar…. I wanted to pay back my debt but couldn't keep up with the rising APR's on my credit accounts. I feel somewhat lied to. They made sure to take all their "FEES" out first.. I paid 20% for my total amount owed in debt. Although they didn't try to settle 4 of my accounts they refuse to refund me the 20% on those accounts that were forgiven!! That amount is roughly $3400.00 I over paid for their services... I'm completely irate. I am allowing one last payment to them to satisfy the last account i have with them. After that point I will not allow them to take one more cent.

I have been back and forth on some of the same type of issues I see on this site. Been garnished, got that straight myself, sending them proof now to get status changed and sending proof on another account. Most of them treat you like you are a criminal, some are ok and helpful. I'm not good with names, I'm starting to keep a log of who I deal with and what they said and check to see if true because I told truth in everything on my end. I expect same token. Tried the Add_Delete@freedomdebtrelief.com I was told to go to let them know what I resolved to keep garnishments off me so I can make payments. Could not get there, would like for someone else to try and let me know if they could get there. Maybe something I'm not doing right. I will send them a letter tomorrow about accounts I have taken care of and let them know I am logging this.

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.