Freedom Debt Relief Reviews

I paid all credit cards in 3 and half years. I started with over $50,000 and I saw the FDR website in 2009. FDR did all the settlement negotiation and many were cut to one third and most to half of original debt. All contract and payment were done online with no problem. Thank you in doing what your website says.

Freedom Financial, along with their counselors and customer service representatives, helped me get my financial life back on track. They were always positive, encouraging and patient. There is no question that the program works. Be diligent and follow the plan, and you too can be debt free in a shorter period of time than you might think.

I really enjoyed getting rid of my high interest credit cards. However, Freedom Financial does not tell you that you have to report on your fed taxes any settlements. They also do not tell you which credit card companies do not settle. I had to learn the hard way that Capital One does not. Now I have legal judgment on my credit report.

FDR stated several things found not to be true. I was contacted by the San Mateo County District Attorney who asked for information on FDR and their promises and practices. I do not plan to need another company for debt counsel and assistance, but I would be much more careful selecting an honest qualified service. FDR is less than acceptable.

I was very pleased that Freedom Debt Relief helped me reach my goal to be debt free and I will say they were step by step with me during that period paying my creditors. Even in the beginning, it was very difficult but at the end, I felt relief that they helped me reach my goal. I recommend anyone that has a debt problem to call FDR and I'm sure they will help you resolve your problem. Thank you, FDR.

These guys were able to take my creditors to the mat and make deals I was unable to negotiate on my own. I worked for months trying to get two of my creditors to offer up a settlement and no results. Once I started with these guys, the settlements came after less than 6 months, but Freedom was able to lend the moral support to help me get through the process with simple suggestions like what to expect and how to deal with creditor calls and letters. The whole process was much less expensive than bankruptcy.

I was with the program for close to six months. One of the companies wanted to settle for 30 cents on the dollar. The original amount was $5,000. They wanted to settle for $1500 in three installment payments. I e-mailed Freedom and told them to go ahead. No one called back. I realized they want the $3,000 fee for the 36 months I would be enrolled in the program - not cool! I cancelled my account and they refunded my $1,900 to my account within two days. That, I will give to them! I will now wait, like my brother's attorney said, for the third party to send correspondence in the mail to settle the accounts. What a wait of time and time. I could have settled it myself. Lesson learned!

I was with Freedom for 3 years. They assured me it would be settled in 36 months. At 36 months, they said it would take another year to settle. I was forced to opt out of program. I still owe creditors. Please, I warn you, do not use them. They will not give you straight answers. Now, I am broke and still owe creditors.

This idiot (me) heard about "Freedom Financial" on Dr. Michael Savage's radio show, so I thought it was trustworthy. Big mistake. I signed up in August 2009, owing about $35,000 in various unsecured and/or high interest loans. Freedom Financial and its various mutations, including Alliance 8, did actually pay off one of my loans ... after charging me $606 for a year and a half - almost as much as I was paying out to begin with. Then I got $2000 more on top of that. They did nothing more. I was taken to court by one of my debtors in July 2011. They offered no support, assistance, or advice. They didn't do anything about the debt either. I kind of knew I'd been had for sure when they stopped answering their telephones. Dealing with this company was the biggest mistake I ever made. My credit score is ruined, and I'm still trying to get everything paid off - which has typically meant putting the debt on my only functioning credit card or taking money from my retirement plan to pay it off. Dealing with Freedom Financial turned my financial situation into a nightmare, a disaster, a catastrophe. I wish there were some recourse against them. I'd certainly avail my self of it.

If I didn't have to choose a star, I wouldn't! I would never recommend this company to anyone. I was promised all of my debt would be taken care of; however, I have ended up paying one of my debt collectors (who was enrolled in FDR) on my own. Also, my husband’s checks are currently being garnished $200 a week because this company did not do their job. I was putting all this money into their account and two years later still nothing had been resolved. I had to initiate everything myself and they refuse to refund any money I have paid them. This company is a joke and their customer service shows no empathy. It’s a zero-star rating from me!

My husband had credit card debt from a previous marriage, $62,587. We were paying extra on the cards to try to pay them down, but the credit cards jacked up the interest rates so it was impossible to even make the minimum payment. We contacted FDR. They claimed they could reduce the debt to $37,816 and our monthly payment would be $945 for 40 months and "then we would be debt-free". Our first payment was made on June 20, 2008. We continued to make every payment until 3/12/2010, 21 payments x $945 = $19,845. For what? I don't know. We stopped the program on 3/12/10 when we were served with arbitration papers for one of the creditors FDR showed as "in active negotiations".

So far, I've had three of my creditors issue court summons and have been asked to fork over tons of extra $ to the so-called "get the negotiations under way". Three of my creditors continue to add late fees & interest charges resulting in twice the debt that I entered the program with. Their so-called “advanced collections department” just sits back to wait & see if an attorney enters the scene before they even call your creditors to explain that you are in their program. Only after you have been served do they attempt to do anything! I'll probably end up paying 2 or 3 times the debt that I first enrolled & paying this debt the rest of my life. I absolutely discourage anyone from entering this program. All this has accomplished is stress, forking over tons more $, and increased debt due to their lack of contact with any of the creditors until you are served. Do not enter this program!

After consulting with Freedom Debt Relief about possibly consolidating debt, we chose to go with another option. Upon notifying our agent that we were not going to go with them, we were sent a very rude and arrogant email, the end of which was this: "There are no other options so when you are tired of treading water and wish to come ashore faster and less costly than anything else, give us a call." I would not recommend this company to anyone. Degrading a potential customer due to their current financial struggles is not only unethical but outright rude.

I chose Freedom Debt Relief, because they would have my debt of $17,700 cleared in three years. I am now firmly in year seven and still owe $7,000 plus late fees and interest. I have paid $24,016. And I'm still paying.

I enlisted the help of Freedom Debt Relief in 2008. After paying $939.00 per month in the hopes that they would help me with my creditors, I lost my job in April of 2009. I called them immediately to try and adjust monthly payments because at that time, I was not sure what my unemployment would be. I was told that I would not be successful in the program if I could not pay the $939.00 that was set up. They continued to draw on my bank account knowing I had no income, causing me multiple overdrafts. The only solution I had was to close the bank account.

I went with Freedom Debt and ended up getting sued by three of the credit companies. It cost me about $900.00 out of pocket. After talking to the companies, they would have worked out a deal with me if I had not used Freedom Debt. It has been the worst experience of my life. I have money to pay my debt, but they will not contact the creditor. Nothing but problems. Do not use this company at all cost. You can do it yourself and not have to pay almost $2,000.00 before they say they will start. Save the money and do it yourself.

I signed up in September 2008. To this day, I'm still paying when I was told 3 years and we are done. I called today and they still haven't spoken to a company that I owe because they need more funds in the account to start talking to them, maybe next month. Plus, some accounts have had over $2,000.00 added to them in fees. So when they pay them, they claim that they saved me 50% on the bill when it's on about 25% from the original bill. Plus, they received almost $4,000.00 to handle the accounts while I'm getting my credit destroyed longer. So this one account, when paid, will take 7 more years to clear on the credit report. It will take me 11 years to get good credit again. What's amazing is that there's a lawsuit against them from last October. The class action is nowhere to be found or heard of. So my debt of $24,000.00, which they say would save me $10,000.00, really only saved me about $3,000.00 so far with one account left. Never use them.

I reached out for help. When speaking to the rep, I was told it may cause a little blip in my credit rating. I found out later, they did not disclose it, that they usually wait until your accounts fall so far delinquent that the credit charges it off and sells to a third collection agency. As soon as I learned this, I withdrew from the program. I had to speak to 4 different people and had to be rude before they would finally process the withdrawal. The rep who processed it told me the fund I had already paid would be refunded to my account within 3 business days. I received a withdrawal confirmation and it stated that I had to contact another company by mail to get my money back. It is a shame that they prey on people who are already stressed over financial burdens, but to display such a lack of integrity is appalling.

If you are looking for a solution to resolve your debts, please look into other options. Freedom Debt Relief (FDR) is a very costly and an unsatisfying way to get out of debt. They have very good sales teams that are persistent in selling you the "dream.” It is a dream because so much is not disclosed and communicating with them is a nightmare. I thought it was the honorable thing to do by reaching out and paying my debts instead of going through bankruptcy. I was told it would be better for my credit and my monthly draft would be affordable. Instead, they have stretched me beyond my budget, which forced me to cut corners in addition to being forced to pay another monthly draft to a lawfirm for the complete debt. FDR did not help or guide me through that legal action. I was not informed this was even a possibility.

Things started out well enough, but after a few months, the calls got worse - threat of suits. The company assures you to let them handle it. The problem is they not only don't handle it, they leave you hanging out there to be sued by these companies and you find out they have never even contacted the attorney's office that has sued you. And the anonymous negotiator has never even offered a proposal to settle the account, and you end up on the short end of a judgement against you. I am very disappointed in this company and would recommend you look elsewhere.

I signed on with Freedom Debt Relief June 2010 on what seemed to be a program to become debt free. They asked for $1,770 a month much of which was in up front fees. We trusted them to handle our affairs and a few small accounts were settled quickly. Unfortunately they were very unresponsive in all fashions and I found myself being sued by 2 of the companies. Their advance collections team is worthless and rude, the management is non responsive, and to this day they are still holding money they did not earn. I was forced to drain the account they had set up for deposits, change all my bank accounts, and file Chapter 7 after a judgement was brought against me. The best part is when I called the lawyer who brought the judgment, he stated FDR would never respond back to him so he was forced to take it to the courts. Do not use freedom debt relief, they will take your money and leave you worse off than you were before. Please heed my warning, they talk a good talk and laugh all the way to the bank with your money.

Pros: Very polite, clearly American phone reps. You get through fairly quickly. They give you a form to send to all the credit card companies closing your accounts. Then they set up an account you pay into, which is an auto draft (con: this is your only option, even though I am highly uncomfortable with anyone auto drafting from my bank account. My mortgage company double drafted my mortgage 3 times in one year.) They got my first account down to 30-40% of the original debt.

I inquired on their program and have been hounded ever since! They call me 2-3 times a day and don’t leave a message. Recently, they started leaving messages for me to contact them regarding their programs. I sent an email 2 months ago asking them to stop calling and that I would contact them if I wanted to continue. They have not ceased calling or emailing me and I am tired of it. They are worse than creditors!

After being saddled with almost $30,000 in credit card debt created by my ex-husband, I contacted Freedom Debt Relief in November of 2009. I have had a problem with only one of the four credit cards I have to settle and this was handled out of court, thanks to the Advance Collections Team. After two years in the program, I am down to less than $8000 in debt and am on the three-year target Freedom provided. Every phone call with a possible problem has been handled to my immediate satisfaction. I have never had to be persistent in obtaining an answer to any question. The staff has always been helpful and put me at ease at once.

I filled out computerized forms to open a plan with Freedom Debt Relief and decided that it was not a good solution for me. I emailed them within 3 days of the original application and received a reply from Caitlin stating, "We have received your termination request and have forwarded it for processing. No further action from you will be necessary regarding this matter at this time. You will be contacted with more information.” I received one and told them again that I wished to terminate. I believed it was taken care of. Three weeks later, they withdrew money from my bank account. This is a total scam. I'm afraid that now that they have my bank account number. I will need to change the account or they will continue withdrawing.

At the time I enlisted with FDR, I had 6 major unsecured accounts. At the time, I was able to make the minimum payments, but that was all. I agreed to a 36-month payment period.

I called FDR to cancel my monthly draft before the draft date. My telephone conversation was great! I thought everything was taken care of. FDR has withdrawn the money anyway! I called FDR to transfer the money back again on 09/19/11. I had a great conversation with the representative They said that everything will be going back into my account. I found out nothing was sent back to my account. I called them again on Oct. 02, 2011. I asked them why my money was not sent back to my account. They said that I needed to call another department to cancel my program with them. Why in the world would they not tell me that from the first place?

I joined Freedom Debt Relief (FDR) in Dec 2007. We do not have a high paying job and live very rural area, so job opportunities for me were slim to none. This resulted in us needing a solution to our debt. FDR seemed like the right choice. Like others, we were told to stop paying our monthly payments because they can't help those who are not behind. This wasn't hard since we had already reached that point. I was not aware of their fee schedule until after we were sent the packet. I was also not aware of Global Solutions fees until after we signed up.

After having surgery and on pain medicines, I answered a call stating that because of my good credit, I could get all my credit cards with higher than 6% interest rate lowered and this was part of the Government Stimulus. I would save over $10,00.00 for a one-time payment of $1298.00. I would receive by registered mail a packet that I needed to fill out within 5-10 days. Well not, it has been 15 days and no packet. When you call the phone number, it says the mailbox is full. The confirmation number I received was **. Just looking at the postings, I see that they have been around for a while scamming people the same way.

In May 2007, I began paying FDR a contracted $316 a month for 33 months via direct deduction from my banking account. I am now entering my 47th month and, according to my calculations, I will pay through month 60, paying more than I originally owed. Except for the first creditor, action was taken after I was served a 'writ of summons' to court by 3 of my 6 creditors. I have paid $316 every month, although, sometimes I was instructed to send part of my payment to the lawyers representing the credit card company and the rest to FDR. I have called and complained to FDR at least four times. I think I was duped into choosing FDR. I offered to settle with FDR by making four more payments for a total of 52 payments of a 33-payment contract, thus paying an amount equal to my original debt. FDR countered by offering me a "Settlement Agreement, General Release and Acknowledgement of Confidentiality". I will try to summarize.

This company is making calls to me two or three times a day, offering loan modification of my mortgage. I never contacted them, and they sent me a package that I send them all my personal and financial information to make the mortgage loan modification. In the same package was sent a fee agreement "in which they charge $995.00 (Package fee) to review all my documentation, and if they do not accept the loan modification, they would stay with that $995.00." I'd like to know if this company really exists or not and whether it is reliable.

This company told us we would be debt free in 1.5 years. We kept paying and paying and all of our money appeared to be going to fees, instead of a certain percentage. My largest debt was in the neighborhood of $32,000 and I ended up having to take that debt out of the program because I settled with the creditor independently. Toward the end, we checked our escrow balance and it reported in the negative, even though by our estimation, it should have been several thousand dollars.

We decided to go with FDR to go with one monthly payment which was much easier than all the payments we had at the time. We paid FDR $508 a month for seven months and then we started getting summons to court.

I joined Freedom Debt Relief in July, 2009. I lost my job, went through a divorce and was broke. I agreed to pay $576.00 per month to reduce a $30,000. Credit card debt over a period of 48 months. This was the term of the contract. For the first 6 months, FDR took $369.00 for their upfront fees. The rest went into an account. After the 6 months were up, they took $217.00 out of each monthly draft for their fees. During that time, I had 3 process servers hand me summons from creditors collection firms. I had to reply to my county court with a response. When I told the FDR legal dept. that I had to file a response, I was reprimanded. I was also told by Jacqueline **, a legal negotiator from FDR that in order for this summons to go away, I was to give them more money. (Let me do your job Jacqueline!)

I signed up with freedom debt relief in 11/09 and started receiving letters from law firms and calls from creditors. Around 02/10 I was advised to fax over letters and complaints to the advanced collections team and was told that they would take care of them. I and husband started to receive summons from the law firms. I was told by freedom debt relief to fax over all paper work to them and they would take care of them.

I joined Freedom Debt Relief to lower my financial debt. After 2 months, they had withdrawn $400 but did not contact my creditors, so creditors continued to withdraw funds and to call religiously and I was getting deeper in debt. I terminated the program since nothing was done and asked for a refund. I received a check for $72.64. I have contacted the BBB and am hoping for a full refund. I wish I had read the complaints before I signed up. My debt increased which had a negative effect on trying to make ends meet. Some nights I just didn't have food for a decent meal.

About two years ago, I solicited Freedom Debt Relief to come in between me and my creditors. I was $20k in debt with credit cards and no money to eat or do anything else but pay credit cards. Freedom has helped me pay off my debt, now two year into the program. Freedom has paid all but one of my accounts. I have anxiously watched as they have paid my debt over time.

I had credit card debt and tried to consolidate them. Freedom Debt Relief never contacted my creditors. I was harassed day and night by creditors. I thought the monthly payments were also going to creditors, not just Freedom Debt Relief. I was ripped off and ended up losing my home and going bankrupt.

I asked Freedom Debt Relief to cancel out on the problem because they are withholding money for the creditors and I could lose every thing that I own. Now, they want $427.00 a month to pay the creditor's? All I want is for them to cancel me out. That is all I want. They will not leave us alone.

I wish I have seen this site, before I ever signed up with Freedom. They have caused such an upheaval in my life. I don't think I can ever restore it. I too was on time with all my bills, except 1, and I was trying to work with them on that. I was on reduced hours, and my husband was laid off, since February of 2009. I contacted Freedom, with the hope that we could get help, and somewhat get back on our feet. I was bombarded with all my creditors calling from 8 in the morning, until 9 at night, gave them the spiel that Freedom told me to tell them, and they were not buying it. They were not willing to wait to get their money. I was paying $621 a month, and was getting nowhere. They had settled our account, and now I come to find out that they did not complete the payments to them, so they are again asking for more money.

I am so disappointed that I chose to go with Freedom Debt Relief (FDR) for debt consolidation. When we first started, we were not behind on payments but it was getting harder to make the minimum amounts. Then other circumstances arose and we had to do something. We knew we were responsible for the accounts and we were not trying to "get away without paying". We were hoping a reduction in the balances and a fair payment schedule and amount. We got neither. My husband and I had $30,000 worth of debt and when we started with FDR, we knew that money would have to build up before payment negotiations could start. We kept getting phone calls all the time from creditors even when we were told that that would all stop. I would call FDR to tell them we were getting calls, but was always told that they have contacted our creditors and don't know why we were still getting calls.

I enrolled with this program with the hopes that they would help me work with my creditors. One of my creditors were never contacted, and two each payment had a percentage taken out of each payment. I understand that it takes a long time for the process to work, but I did not expect them to keep some much of my money. I made 9 payments of $287 each. When I cancelled my service with this company, they sent me a check for only $1066. They kept $1500 for doing nothing. I was never sent any statement quarterly, monthly, anything to let me know how my account was doing. This seems like a lot of money for doing nothing. Again, I understand set up fees and cancellation fees, but keeping over half seems wrong. This company needs to be stopped before more people end up losing their hard earned money.

I would have to disagree! Freedom Debt Relief tells you upfront that you will have to pay a service fee first before they start settling your debt. My ex wife and I had 12 credit cards and we were able to settle all of them within 3 years. They told us it will take 2-3 years to settle our accounts. It does take time to accumulate money in the escrow account to settle you debt. You have to have 40% of your debt to start negotiate your account. You'll have accounts that will accrue interest, so that doesn't stop. I haven't had really any issues that I can think of.

They said they settled 3 of our 4 credit cards, I have one left. I forwarded the first letter from a law firm which was one of three different parties of Citibank/Sears. I received a letter today stating that they have not been contacted. I have been inquiring on my status of all the accounts since July 2008. It was always in negotiations. The first 3 were handled/completed by November 2008. It has been 15 months now. My initial deposit was $10,000, I now have only $2,980.00; I have been making monthly payments of $150.00. I inquired on how much was their fee. They informed me that $132.51 was their Customer Service Fee, plus there is the Trust Account fees with Global of 15 cents and $6.50 a month from my Trust account with Global. They have been paid almost $2,000.00 from me and my Trust was decreasing instead of increasing with my monthly payment.

I am $40,000 in credit card debt. I paid $695 a month for their services. I was scammed of $3200 of my money. They haven't done anything with decreasing my debt. They only returned $1200 of my money. Also, I have an overdraft on my checking account every week.

I entered in on an agreement with Freedom and ended up being late on all my credit card bills and now, I owe more to my credit cards than I ever did before. They did not settle any of my big amounts except for a Best Buy for $500.00. I was paying them almost $800 a month for nothing. I am almost $40,000 in debt thanks to them. Now, they will not talk to me at all since I withdrew from the program.

I contacted this debt settlement company in Sept. 08 to help me with business-related expenses on credit cards in my husband and my personal credit. I was told that they could get settlement offers for us and they would handle all our creditors for us and settle our accounts for 50% of what we owed. I paid to them over $3000 for 2 months and on the third month, I found out from 4 of the creditors that they had not received the cease and desist communication letters nor had they been contacted in any way from Freedom Debt.

I was contacted by this company for debt Relief. I asked How they recieved my number, they responded that somebody must have filled out a form online. It was not me nor do I believe that was how they obtained my information. I would like to know how and exactly what information this company has available about me. I have been a victim of fraud in the past and this makes me feel uncomfortable. I believe this has a direct coralation with my credit card usuage. Which has recently increased.

I contacted them regarding debt management services last year. I am now facing a lawsuit because they have failed to negotiate with the credit card companies. I have been paying them $246 per month for a year. I don't know how to resolve this. They will not even return my calls nor my emails.

Freedom Debt Relief promised to negotiate down my debt, but they lost my information twice. I asked to suspend my automatic debit for one month, and they said I could but won't be successful in their program. This was after they had taken $1200 of my money. I emailed them to ask for a termination slip and to retrieve the $236 left in my account, and they immediately took half the $236 for their service fee. I never got a response from them regarding termination. So I am trying to terminate before they take any more of my money.

I started to do business with this company in August 2006. They told me I would be debt free in 2 years. I paid them $ 653.00 per month and they have copies of my debts. They told me not to pay them and they would work out the settlements. I had one for Cpaital One in particular that was $ 1286.00 that when I sent it to them it was with a collection agency. This is apparently the only way they can settle if it is with a collection agency (which means for my other debts my credit has to get worse before they can work on them) In January my checking account was frozen because now this turned into a judgement against me.

We turned to Freedom Debt Relief in hopes that they could help us with our mounting debt. At the time we where current with most creditiors,and no more than a month behind with a couple. We knew we where in trouble, the amount of our bills out weighed what we where brining in. The first thing they told us was "Stop paying" we can not help you if you are not behind. So we did. They said they would stop the creditors calls, this never happend. Over a couple months our creditors went to Law offices. One account HFC, went to a local Law office and I had to work out an aggrement with them to start paying to keep us out of court. Freedom was supposed to do this, but they claimed that the Law office was not getting back to them, funny, the law office said they never heard from them.