Freedom Debt Relief
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About Freedom Debt Relief
Freedom Debt Relief is a nationwide debt relief company that provides debt settlement services and education. The company requires applicants to have at least $7,500 of unsecured debt. Its fees vary by location and range from 15% to 25%, depending on the state where the client lives and the amount of debt they enroll. Though user credit suffers in the short term, Freedom Debt Relief’s credit score impact study, which was updated in 2022, found that most customers saw credit score recovery in 36 to 45 months.
Pros & Cons
Pros
- No fees until settlement reached, authorized by client
- Has resolved over $15 billion in debt in 20-plus years
- Works with high debt amounts
- Long-term credit recovery
Cons
- Fees up to 25% of settlement amount
- Short-term impact on credit
Bottom Line
Freedom Debt Relief is a good match for those with $7,500 or more in debt. Although its fees can range up to 25% of the settlement amount, fees are only collected when a settlement is authorized and a payment is made toward that settlement.
Freedom Debt Relief Reviews
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Reviewed Sept. 15, 2023
I finally feel I can make headway and pull myself out of debt. It’s scary and the calls from creditors are constant. But. I think I made the correct decision. All around me people are lament how they have no money the day after their check. That’s how I felt. Now. I feel. I may make it. I feel bad. I will keep trying to end this mountain of debt. Thank you debt relief!!!

Hi Patti, it's wonderful to hear that you're having such a positive experience with us! Managing and resolving debt can be a challenging process, so it's great to know that we've been able to make it easier for you. Thank you for sharing your positive experience with others who might be facing similar debt issues.
Reviewed Sept. 14, 2023
The staff are very nice. They are also courteous and knowledgeable. They always answer my questions and reassure me that everything will be taken care of. If the rep. cannot answer my questions, they will connect me with someone that can help. I have called them several times and have always been taken care of. Very professional business. Thank you for your help.

Hi Rosalinda, rest assured our customer service team is ready to help at any point that you may need assistance! Thank you for allowing us the honor to partner with you in your journey to financial freedom!
Reviewed Sept. 14, 2023
My experiences and response with FDR have been excellent. The personnel is extremely professional and helpful in answering my questions and resolving any issues that have come up. They have resolved many of my debt issues and continue to make arrangements with my debtors to make arrangements that are within my financial means for resolution.

Hi Duane, thank you for your feedback, we do our best to support our clients with any questions or concerns they may have while working with us. Rest assured we will continue to work hard to obtain the best outcome for you across all of your accounts!
Reviewed Sept. 14, 2023
Would think they go get the small accounts done first. That’s only my grief. Also why the 10.00 service fee every month. I only had 28,000 of debit but in paying 24,000 back. I think sometimes I should have just went bankrupt that would have only cost me 1,500.

Hi Mark, we are sorry to hear that you are unhappy with your progress. The 10 dollar fee is a monthly banking fee for your dedicated account, this ensure the account remains active. If you have questions about the status of your program, we encourage you to contact our customer service team.
Reviewed Sept. 14, 2023
I was in doubt even after the process was explained. I was like what if I could get a loan and pay everything out but that couldn’t happen because my debt caused my credit score to drop tremendously. I stopped question myself and began to trust the process and I have no regrets.

Hi Lakeba, it's wonderful to hear that you've had a positive experience with the program and that you have seen progress on your accounts this early on! If you have any more questions or if there's anything else you'd like to know or discuss, feel free to let us know. We are here to help!
Reviewed Sept. 14, 2023
Freedom Debt Relief only about one year ago took over the management of all my past due credit card and personal loan payments. Due to the fact that I had a accident and could not work for six months. The burden of this debt was always on my mind. They have done all the negotiations with my creditors and so far have settled more than half of my debt. For peace off mind I would recommend Freedom Debt Relief for anyone who is struggling with debt.

Hi Joseph, thank you for your feedback, we do our best to support our clients with any questions or concerns they may have while working with us. Rest assured we will continue to work hard to obtain the best outcome for you across all of your accounts!
Reviewed Sept. 14, 2023
I had over 25,000 in debt. One easy payment for 4 years and my debt will be paid off!!! Very easy process with very helpful staff. Thank you Freedom!!!! Debt collectors quit calling after 2 months. Debt letters easy to upload in your account. Doing everything online is so simple. With all the debt I got from Covid I was not sure how we were going to make it!!! Prices sky high and I was sinking. I could not be more grateful for this easy process. Yes it was scary at first but I felt all my stress rolling away within a week of the process..

Hi Mary, thank you for sharing your experience with us! We are so thankful that you chose us to be your partner and we know how challenging those creditor calls can be and we want to reassure you that we will continue to work on your behalf to settle your accounts and keep you updated on your program progress.
Reviewed Sept. 14, 2023
Just started but what I can say it's been a stress relief. I have a little while to go but everyone is very helpful who works there and polite. Glad I made this choice. I am excited about getting my debt resolved in a timely manner. Thank you so much Freedom Debt Relief.

Hi Cathleen, thank you for sharing your experience! Our team takes pride in providing world-class customer service to our members and it's great to hear you are happy with our service efforts!
Reviewed Sept. 14, 2023
I like what I'm seeing. My debt is going down. Keep up the good work. I Love the negotiation amounts. It looks like I'm only paying half the amount. If I could pay more it would go faster. One free payment a month would be a great incentive even if it's only $5. Hopefully I will be done soon.

Hi Tracy, thank you for sharing your experience! It is very important for us to provide the best experience for our members as we understand the support you need from us!
Reviewed Sept. 14, 2023
The customer service is excellent but I haven't been happy lately with Freedom Debt Relief. They should not give somebody a graduation date then give them 10 months later. I live on a fixed income, and I thought this year was gonna be it. But then they tell me it's going to be 10 more months. It was a slap in the face. They said it's because of an account that they're paying off.

Hi Margaret, an account specialist will be reaching out to review your account.
Reviewed Sept. 13, 2023
I have been very pleased with Freedom Debt Relief They have been excellent in every way. I especially appreciate the kind and courteous, helpfulness every time I call for help. I'm not very computer literate and have only a tablet to work with, but you kind folks have helped me to work around that.

Hi Harley, we are so happy to hear that we were able to provide the support and guidance that you were seeking and want to thank you for trusting us. We wish you nothing but continued success in your future!
Reviewed Sept. 13, 2023
Love the customer service, every person that I have talk to is very knowledgeable and super friendly. Easy process and always getting updates on the status of my accounts. I am able to log into the Freedom website at any time and it is easy to navigate it. Thank you all the great customer service you always provide. I definitely recommend Freedom Debt Relief to all my family and friends.
Lorena

Hi Lorena, we are so happy to hear that we were able to provide the support and guidance that you were seeking and want to thank you for trusting us. We wish you nothing but continued success in your future!
Reviewed Sept. 13, 2023
I am so happy to be part of this Experience, having a lot of credit cards and not be able to pay them all in time it was giving me headaches, depression, and I have been happy with myself. But once I started this program, I was relief that I could send monthly, and all my credit cards will be taken care of little by little. I recommend it to anybody with lots of respect. Thank you so much.

Hi Sandra, we cannot thank you enough for trusting us and we are so happy to hear that you feel confident enough in us to refer our service to your loved ones! We are very thankful for your partnership and wish you continued success!
Reviewed Sept. 13, 2023
So far I have had a lot of debt settlements and I could not be more pleased, been so long since I have had this much peace of mind. I would definitely recommend FDR to my family and friends so that the debt they have gotten into can be handled without all the legal of bankruptcy.

Hi Gary, reading your review made us smile! We are so happy for you and your success in our program. Thank you for staying committed and for trusting us to be your partner!
Reviewed Sept. 13, 2023
A sense of relief that Freedom debt has taken over and has helped out. Always there to talk to if you need help even if you can’t make a payment they are there to help out. Very professional. They got my credit card debt down quite a bit and always let me know new updates with everything.

Hi Dawn, it is great to hear that we have been able to meet your needs! Please let us know how we can continue to support you in your journey to financial freedom!
Reviewed Sept. 13, 2023
Obtaining settlements comes at an exorbitant cost. I am currently paying almost half of what I pay towards my credit cards, in fees each month. Although it is better than the alternative, my initial statement promised that I would be debt-free in 3 years. However, they have now extended the timeline to 6 years without any reduction in my debt.

Hi Kimberly, an account specialist will be reaching out to address the status of your program.
Reviewed Sept. 13, 2023
Freedom Debt has provided me with respect and excellent service during the process of resolving my debt. This experience was certainly joyable! I will highly recommend others to take the opportunity and speak to a Freedom Debt representative and experience the great opportunity and items they have available and affordable for your needs. Thank you for all your assistance through this process...

Hi George, thank you for sharing your review! We are so happy to hear that you are pleased with our services and wish you nothing but continued success.
Reviewed Sept. 13, 2023
My advisor walked me through everything. It was so easy and he put my mind at ease. I also get updates and the site is easy to navigate. They are there when I have questions. The knowledge of my advisor is wonderful. The site shows my payments. I do automatic withdrawals from my bank.

Hi Lori, it is great to hear that we have been able to meet your needs! Please let us know how we can continue to support you in your journey to financial freedom!
Reviewed Sept. 13, 2023
I can honestly say it’s the best decision I made. I took back my life and got on track with all my debt. Looking forward to a great future without all this debt hanging over my head! Thank you Freedom Debt Relief. You helped me get it all on track

Hi Diane, thank you for reviewing your experience with us! We are happy to hear that you feel supported while working with us. We work very hard to ensure our members experience debt relief and stress relief. If you have any questions, just give us a call at 800-655-6303. Our Customer Service Representatives are ready to help. Thank you for allowing Freedom Debt Relief to be your partner on your journey to a debt-free future.
Reviewed Sept. 13, 2023
Everything is different from what's happening right now. Before, they said I’m gonna easily finish this in just a couple of years. So, I accepted it. But right now, I’m not yet finished. But I heard that I’m gonna be finished next year. Before, I needed to check every time some of my problems with my card. Now that I went to Freedom Debt, I don't think too much because I'm paying just one payment for all those problems that I had before.

Hi Oscar, thank you for trusting the process! We know it can feel slow at first but we want to thank you for staying consistent and sharing your journey with us. Keep up the great work!
Reviewed Sept. 13, 2023
Very professional and helpful. Very informative and assisted me well with my inquiries with the plan and process of this relief opportunity and option. I will most likely share my experience so far with my family and friends. Thank you. This is great for anyone in need for financial debt assistance.

Hi Dorian, it's wonderful to hear that you're having such a positive experience with us! Managing and resolving debt can be a challenging process, so it's great to know that we've been able to make it easier for you. Thank you for sharing your positive experience with others who might be facing similar debt issues.
Reviewed Sept. 12, 2023
FDR has been exceptional in all their communications with me. I would recommend this service for all who find themselves in a tough situation. They have been informative, sincere, respectful all throughout the process. It has truly allowed me to have a fresh start in life. Thank you for all you do.

Hi Linda, we are happy to hear that you are happy with our service efforts! Our goal is to ensure our clients feel comfortable and confident with us at all times! Keep up the great work, and please reach out to us anytime you have questions about your program! You can contact our Client Services team seven days a week by calling 1(800)655-6303 or email support@freedomdebtrelief.com. Thank you for choosing Freedom Debt Relief!
Reviewed Sept. 12, 2023
I see absolutely no progress. A lot happier with the last program I was in. Seems like quick to take my payment with no outcome. Very disappointing. I have contacted with my concerns and nothing was done. No one helped. I have all my stuff going to collections and I getting horrible phone calls and letters. Last place I was with made all the calls. Didn’t have this problem at all with them.

Hi Alana, thank you for bringing this to our attention. Settlements are dependent on accumulating sufficient funds in order to settle the debt and as long as we continue accumulating funds we should have no problems meeting your goals in realistic timeframes. An account specialist will be reaching out to address your concerns.
Reviewed Sept. 12, 2023
The reps were always helpful and I was impressed with how they got everything together. They figured everything out, like how much you would owe, and gave an estimated graduation date, what you could afford. They just tell you not to skip any payments if you can because they try to stick to it and if you miss a payment or decrease your amount, it could set your graduation date back. If you can’t make a payment, you just call and let them know, and they will move it to the next month. The more you pay, the faster it will go. But Freedom never pressured me.
When I called, I didn't wait long at all, sometimes not at all, to get in touch with them. If I had questions, I could either call the 1-800 number or chat with them online. And they would direct me to the right person if they couldn't solve the problem. It was a great experience and a smooth process with Freedom. I don't get harassed by the credit card companies calling. Working with Freedom impacted my life in a positive way. They help you get your debt reduced.

Hi April, this is so great to hear. We are happy that we could provide you with some relief and support you on your journey to becoming debt free. Thank you for trusting us and sharing your experience.
Reviewed Sept. 11, 2023
If any there really cares, FDR screwed me. They screwed my credit. But mostly, they screwed me out of over $10,000 that they wouldn't adjust. Look at Discover on my profile, FDR LIED and said they saved me 70% on this account. That is a LIE! They are claiming they saved me $15,500 on this account and that is not true. I paid $15,800 towards this Discover account and I still owe $11,286. I let FDR handle my $26,800 debt to Discover, they could NOT save me any money and then added $5,600 fee for their hard work. Now I owe over $32,000 to Discover! First FDR said they would not charge me a fee if they could not save me money on an account. Then they recently reneged on that promise and charged me $5600 instead. But FDR still claims they saved me 70%! How can you lie and say that?! But I have all the paperwork and screenshots to prove it.
I have called several times and FDR will not help me or adjust this amount. I will NEVER recommend FDR and I am making my screenshots and proof public so other people considering them will use someone else. They have no heart, customer service has no power to help when you call, and they don't notify a supervisor to see if something can be done. FDR greed is sickening. I put in $51,000 of debt to be helped and at the end, I will have paid FDR over $62,000 for their (help?). What they are doing to me and lying about the "savings percentage" is fraudulent. They will use my account to reel in other debtors who think FDR will be their savior. Not True....FDR are Greedy Fraudulent Liars!

Hi Richard, an account specialist will be reaching out to address your savings and the status of your account.
Reviewed Sept. 11, 2023
When I made this agreement I was at work and was unaware of exactly how this worked. I know in time this is going to help me but in the meantime not paying on the accounts that I was on top of and was told not to pay on is causing me stress.

Hi Elicia, we want to ensure that you have all of the necessary information to continue in your program. An account specialist will be reaching out to go over any questions or concerns you hay have.
Reviewed Sept. 11, 2023
Yes, so far. I am still worried about dealing with creditors. But you have explained how to do that. Hopefully I can get passed this. I like that you keep me informed on everything. I have referred 2 friends to you. I can't wait to see this progress. I hope I can make additional payments to speed things up.

Hi Sandra, this is so wonderful to hear!! Keep up the great work and you will continue to see results! Thank you for trusting us and choosing us to serve you.
Reviewed Sept. 11, 2023
When I was signed up initially, I was not cautioned that my payment was going to go up. But it went up by $50 a month. When asked about this, I was given lame excuses. They should be more straightforward with their description and be accountable when they are held accountable.

Hi Leif, we never change a monthly deposit without client authorization. If you added an account to your program via your dashboard or with one of our agents, that may have caused the increase. The only other way is if you call customer service to change your deposit amount, or made those changes via your dashboard. An account specialist will be reaching out to address what changes were made to cause the increase.
Reviewed Sept. 11, 2023
Should have done this earlier, my anxiety level is at zero since I enrolled with Freedom. They gave me peace of mind and I would highly recommend them. Get off the fence and join them. I did and wish I've done it sooner. So if you want to take your life back, give them a call, they are easy to talk to and they will steer you in the right direction.

Hi Irene, thank you for sharing your review! Debt and worry free is the goal and we can't wait to see you get there! Thank you for trusting us and sharing your experience.
Reviewed Sept. 10, 2023
I've only just begun my experience with Freedom Debt Relief. How the process and experience going forward remains to be seen. My initial interaction has been very positive and relieving as a way out of debt. I found myself in with limited income, resources and time to secure things while dealing with ongoing health matters. I hope the rest of my business with FDR is equally as positive.

Hi Karen, we are happy to hear that you felt comfortable while working with us. We never want to make our clients feel judged, we understand life happens and hardships are not something anyone plans for, which is why we are here to help and support our clients, every step of the way.
Freedom Debt Relief Company Information
- Social media:
- Company Name:
- Freedom Debt Relief
- Company Type:
- Private
- Year Founded:
- 2002
- Address:
- PO Box 2330
- City:
- Phoenix
- State/Province:
- AZ
- Postal Code:
- 85002-2330
- Country:
- United States
- Website:
- www.freedomdebtrelief.com