Freedom Debt Relief Reviews

I was so upset as only $160 of our money went toward the actual debt. They had done nothing on our account. We owe over $1700 in late fees than when we did when we started the program. When we started this program, we had not missed a payment on our credit cards but they were getting harder and harder to make. Our credit scores were over 700 for both my husband and I and now they are in the low 500s. They destroyed our credit and did nothing for us. I made several complaints to this company and finally they agreed to refund us $1,290 of our money if I would agree to sign a release. I had to do that because we were so desperate for some of our money as we were so far behind in our payments. My husband, however, did not sign this and was extremely upset at the outcome of this so-called Christian Freedom Debt Relief company.

My credit was not perfect but now it is worse, the credit card companies in question believe that I am receiving to negotiate with them and i really don't know where to start. I am behind on my mortgage and don't how to begin paying the credit card balances plus all the fees, and I don't know how to retrieve the amount that they have been accumulating, supposedly on my behalf.

I now have to file for chapter 13 bankruptcy and could have paid for that and some of my bills if they hadn't taken all of my money and done nothing to help me. I have struggled to pay my bills and get back on top financially. I had a credit score of 675 when I started out, and they convinced me that it wouldn't be hurt too bad. I'm afraid to look at it. Freedom Debt Relief told me to quit paying the credit card companies in order for them to negotiate with them. I thought I better get out before it gets worse, and I have a garnishment. My husband has many health issues, and this could be more devastating than it already is.

I called and could not get in touch with anyone at freedom debt (when you are signing up with them someone always answers the phone more than happy to help you, after you sign up and need their assistance you have to leave a message and someone will get back to me in 24 business hours. since this was on a friday I had to wait all weekend with no access to my checking account. The debt no grew to $ 2400.00. I had to settle my own debts, this company did not do anything for me and has me in a worse situation than when I started. I did everything they told me to do.

I also learned that the first 18 months of full and partial payments is there fee which was very misleading. I can see how we as a nation is in such debt because every way you turn someone is sucking the life from you. There is a lot more to this story, please feel free to contact me for further information and lets try to stop people from robbing each other. Who can we trust.

The creditors that keep calling us have told us that Freedom has not contacted them and that this program only works if they have a lump sum amount of cash to settle the debt right away. And that they would not wait 3 years for them to call and try to settle. Freedom had set up a payment plan of $825.00 per month. Not one dime has gone to any of our creditors. I have payed them almost $5,000.00 since March, 06. We canceled with them in January, 07 under the terms that it had asked (five days prior to the next debit date). They returned $572.00 of our money and pulled there monthly fee before returning our money, which I can not find anywhere in our paperwork saying that they would do that.

This program is for people who can give them a big lump sum of money to work with right away, not for people like us who can only pay the monthy payment that they set up. They should have told us that up front and never told us that they could help and take our money. $5,000.00 could have gone a long way with keeping us out of court.