Freedom Debt Relief Reviews
A company’s ratings are a time-based and verification-based weighted average numerical calculation of the ratings submitted by consumers in the most recent 24-month period.
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About Freedom Debt Relief
Freedom Debt Relief (FDR) is a debt relief company with 4.5 out of 5 stars on our site, based on over 34,000 customer reviews. Founded in 2002, it provides debt settlement services and client education. Its fees range from 15% to 25% of the enrolled amount, depending on the state the client lives in and the amount of debt they enroll.
Visit www.freedomdebtrelief.com- Can help settle a variety of unsecured debts
- No fees until settlement reached
- Can cancel at any time without penalty
- Debt settlement can lower your credit score
- Some reports of communication issues
Freedom Debt Relief Reviews
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Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
Reviewed Oct. 9, 2026
So far so good. Some of my creditors recognize them. When I called with a concern they made me feel comfortable and resolved the issue. Staff is very courteous and professional.
Our established relationships with creditors and courteous support are designed to take the stress off your shoulders. Thank you for sharing your experience and choosing Freedom Debt Relief!
Reviewed Oct. 8, 2026
Knowledgeable, and honest. The staffs was very nice. Thank you all for your help.
Thank you for your review. Operating with integrity and professional care is fundamental to our mission at Freedom Debt Relief. We appreciate your trust in our team.
Reviewed Oct. 8, 2026
Just in two months Freedom has negotiated two of my accounts for less than half of what I owed!
We appreciate you sharing your progress with us! Successfully negotiating two accounts for less than half of what you owed is a significant achievement. Delivering substantial savings quickly is at the heart of our mission, and we're thrilled to help you reach your financial goals. Thank you for trusting us, and we're excited to continue working with you on this journey.
Reviewed Oct. 8, 2026
I’m grateful that my debts are getting reduced and getting paid. lt removes a great burden from me!
Seeing those debts shrink and feeling that heavy burden lift is the best feeling in the world! We are so happy to be in your corner making this happen. Thank you for the wonderful feedback, and congratulations on your continued progress!
Reviewed Oct. 7, 2026
It makes me nervous that it seems to be taking so long. I built up some money, but it dropped so suddenly. I know there are fees, but it worries me.
Feeling anxious when observing fluctuations in your dedicated account balance is completely natural. A sudden reduction in funds typically indicates that a settlement payout has been issued to a creditor, along with the corresponding settlement fee earned upon resolving that account. Because fees are strictly contingent on successful settlements, this movement represents tangible progress toward your goals. We welcome you to contact Client Services directly at 800-655-6303 to address any questions and review your account breakdown in detail.
Reviewed Oct. 7, 2026
This company took my money, I was never made aware of their fees that would be taken. They paid themselves the money that they allegedly saved me and I’m pissed about this.
Hi Jassmin. We completely understand how upsetting it is to feel caught off guard by fees, and we want to ensure you have complete clarity on your account. Freedom Debt Relief operates strictly on a performance-fee model, where fees are only collected after a settlement is successfully authorized by you and paid to the creditor. We take your concerns very seriously, and an account specialist will be reaching out to you directly to review your program.

Reviewed Oct. 5, 2026
I’m new to the program but so far they have been so kind. Very professional & and have offered an abundance of reassurance.
Welcome to the program! Starting something new can bring up a lot of questions, so knowing our team provided kindness, professionalism, and the reassurance you needed means everything to us. We are so glad to have you with us and look forward to supporting you every step of the way!
Reviewed Oct. 5, 2026
I am trying to adjust to the long term for so many of my creditors. Not sure how the process goes. That explanation is probably in some information sent but overlooked.
Adjusting to a long-term plan with multiple creditors can feel like a big shift, but we are here to ensure every step is clear! Managing your accounts comes down to a simple process: as your monthly deposits build up in your dedicated account, our team negotiates with your creditors one by one to reach settlements. We welcome you to contact Client Services at 800-655-6303 to address any questions or provide clarity on your plan whenever you need it!
Reviewed Oct. 1, 2026
It hasn’t been long that l join the debt relief program but my first settlement has been done within the shortest possible time and am so happy for the quick aid in getting me out of debt
Securing your very first settlement so quickly after joining is such an exciting way to start your journey! Getting fast results early on helps bring immediate peace of mind, and we are so thrilled to bring you that relief. Thank you for sharing your feedback with us!
Reviewed Oct. 1, 2026
Great experience, made it happen soon after I joined up.
Making fast progress right out of the gate is what we love to see! Thank you so much for the great feedback—we’re excited to keep this momentum rolling for you!
Reviewed Sept. 30, 2026
I am very happy pleased with Freedom Debt Relief. They have been working hard to help me to have a new start to live free. They have guided me and led me all the way. I am excited about my debts to go away.
Building a path to financial freedom takes dedicated teamwork, and we are so proud to walk this journey alongside you. We share your excitement as those debts continue to disappear! Thank you for placing your trust in Freedom Debt Relief—we can’t wait to see you reach that finish line.
Reviewed Sept. 30, 2026
Thank you so much for helping me get out of debt. Your team made a hard time much easier, and I finally feel free from worry. I am grateful for your hard work.
Navigating a tough financial chapter requires real courage, and we are deeply honored to have been the team supporting you through it. Hearing that you now feel truly free from worry is the greatest reward our team could ask for. Thank you for your trust and dedication—enjoy every moment of this well-deserved financial peace!
Reviewed Sept. 29, 2026
So easy to talk with. Really helped me understand how high credit card balances could update go over night. Easy to understand the terms and how to deal with those, what used to be scary creditor calls.
Turning those intimidating creditor calls into something manageable is a massive relief! We're so glad our team made the conversation easy and gave you the clarity you needed to understand balance shifts with total confidence. Thank you for sharing your feedback!
Reviewed Sept. 27, 2026
Very helpful, knowledgeable, friendly, and works quickly.
Thank you for sharing your positive feedback! Combining knowledgeable guidance with prompt, friendly service is fundamental to how we support our clients at Freedom Debt Relief. We appreciate your partnership and look forward to your continued success.
Reviewed Sept. 27, 2026
So far everything is going good. In the beginning it was rough. Credit score took a drastic bad hit. But now everything is starting to bounce back. Confusing and stressed in the beginning but it takes time for the process to kick in.
It takes real courage to trust the process during those initial bumpy months! Seeing your credit score take an early hit can be incredibly stressful, but you hung in there, understood the big picture, and are now getting to see that well-earned bounce back. Thank you for sharing your experience!
Reviewed Sept. 26, 2026
It started out as a personal loan option. Felt very pressured to sign up and very rushed. Didn’t feel like I had any time to read anything until after. I still don’t think it’s the right choice for me but it’s ongoing. First payment was taken out yesterday and account balance shows -$20. I have a feeling that this was not the right decision for me.
Thank you for sharing your experience with us. We understand that feeling rushed can be unsettling, and it's important to us that you feel confident about your choices. We'd like to help by going over your program in more detail and answer any questions you may have. Please contact our Client Services team at 800-655-6303 when you have some time.
Reviewed Sept. 26, 2026
Nora is the best. So kind and understanding and helped me quickly!!! Lifesaver. :)
Shout-out to Nora! Having someone who is kind, understanding, and quick to help when you need support makes all the difference in the world. We will be sure to pass along your wonderful words to her—thank you for taking the time to share!
Reviewed Sept. 25, 2026
I'm so glad to be enrolled with Freedom Debt Relief. It has eased my stress so much. I can't wait to get my Debt took care of early.
Replacing constant financial worry with a clear, manageable plan brings incredible peace of mind. Your drive to accelerate your progress and resolve your accounts early is inspiring! Thank you for trusting Freedom Debt Relief to help you reach that finish line.
Reviewed Sept. 25, 2026
I was glad to authorize my first settlement within this month (September). I am off to a great start because I just entered the program at the end of August. Let’s keep them going. Thank you so much Freedom Debt Relief Team. Rhonda
Thank you for sharing your fantastic update, Rhonda! Achieving an authorized settlement within weeks of joining the program demonstrates the power of a swift, dedicated resolution strategy. We appreciate your partnership with Freedom Debt Relief and look forward to delivering continued success on your accounts.

Reviewed Sept. 23, 2026
I'm new to the company, I joined in May of 2026...but I can say that I am glad I did. The staff representatives have been patient and explained everything that the program is, and I am on my way to being free from debt in a little while.
Starting a debt resolution journey takes confidence, and having a patient team to walk you through the process makes all the difference. We're delighted that your experience since May has been so positive, and we can't wait to celebrate your full debt freedom with you!
Reviewed Sept. 22, 2026
I am so pleased that 2 of my accounts have been settled. I can start to see a light at the end of a very dark tunnel.
Two accounts down—that is incredible news! Seeing that light at the end of the tunnel is just the beginning, and we can’t wait to keep this positive momentum going with you.
Reviewed Sept. 22, 2026
Just started the Program. I like the way Freedom keeps you informed of the progression being made. You can call anytime and go over your personal account with any question you might have as well.
Welcome to the program! Starting a new financial journey is a big step, and we want you to feel supported every step of the way. Knowing that you feel informed and comfortable calling us whenever a question pops up is exactly what we aim for.
Reviewed Sept. 22, 2026
You were very patient and knowledgeable. You explained each and every process as we were going thru my decision. Thank you so much.
We believe no one should ever feel rushed or confused when taking control of their finances. Knowing that every step of the decision-making process was made clear and comfortable for you means the world to us. Thank you for choosing Freedom Debt Relief—we're honored to support your journey!
Reviewed Sept. 21, 2026
I was desperate for my financial status, I am so happy for Freedom Debt Relief for their assistance.
Turning financial stress into a hopeful future is what it's all about! We're so thrilled we could be there when you needed support the most, and we're excited to keep walking this path with you!
Reviewed Sept. 21, 2026
Seems like I’m making progress. My credit score is going up!
Thank you for sharing this encouraging update! Seeing an upward trajectory in your credit score alongside your account settlements is a strong indicator of financial recovery. We appreciate your partnership with Freedom Debt Relief and look forward to your continued success.
Reviewed Sept. 21, 2026
This is the second time I’ve used Freedom. I was attempting to use another app but they weren’t as personable as Freedom. Each time I did not feel as though I’m the only one that gets in this type of situation more than once. Now that times are even going to get harder to live on retirement funds only as I’m single I need to realize that.
Thank you for sharing your experience and for returning to Freedom Debt Relief. Providing compassionate, individualized guidance—rather than automated solutions—is essential, particularly when balancing retirement on a single income. We deeply value your continued trust and look forward to supporting your long-term stability.
Reviewed Sept. 21, 2026
I can't give a a 5 star, since I am just starting with the company, but at the end I'm sure I will be leaving a 5 star.
Thank you for sharing your early feedback. We completely respect a measured approach, as long-term results are what truly matter most. Welcome to Freedom Debt Relief—our team is dedicated to delivering exceptional service and earning your full recommendation as your program progresses.
Reviewed Sept. 19, 2026
My experience with Freedom Debt Relief has been quite satisfactory. The enrollment process was efficient, and the team provided a clear explanation of the program and its expectations. They have been responsive to my inquiries regarding my accounts and payments. Debt relief requires patience and dedication, but following a structured plan has helped me feel more in control and less stressed. I am eager to progress further in the program with the goal of achieving a debt-free status. In general, I have had a positive experience and am grateful for the assistance and direction from the Freedom Debt Relief team.
Success in debt resolution truly comes down to patience, structure, and teamwork. We love that you've embraced the process with such a grounded mindset! Delivering transparent, dependable support every step of the way is our top priority, and we look forward to walking alongside you all the way to the finish line.
Reviewed Sept. 19, 2026
Can’t believe within a month with the program I have my first settlement!!!! Climbing out one account at a time.
Securing your very first settlement in under a month is an incredible milestone! Taking that first big step out of debt is always the most empowering part, and we are so thrilled to celebrate this early victory with you!
Reviewed Sept. 18, 2026
Perseverance and patience is paying off. Freedom Debt Relief has been a wonderful guide and partner giving me direction and support as I find my way out of debt. Thank you FDR for helping me to finally see that there is light at the end of the tunnel. One settlement down and two more to go. I can’t wait to be totally free from financial debt.
Thank you for sharing your experience. Guiding our clients through a supportive, structured process toward total financial independence is at the core of our mission. We appreciate your trust in Freedom Debt Relief and look forward to resolving your remaining two accounts.
Reviewed Sept. 17, 2026
The reason I chose Freedom Debt Relief because I had heard nothing but good reports about them! And they have not let me down! Waiting to hear more good news of other parts of my debt being taken care of! Thank you, Freedom Debt Relief.
Living up to our reputation and delivering on our promises is what we strive for every day! We are so glad we haven't let you down, and we can’t wait to bring you that next piece of good news. Thank you for trusting us with your financial journey!
Reviewed Sept. 16, 2026
Although I am just getting started with FDR I am happy with how they work at this point
Taking those first steps is often the hardest part, so hearing that you're happy with how everything works so far is fantastic news! We're thrilled to have you on board and look forward to keeping that positive momentum going.
Reviewed Sept. 15, 2026
FDR is professional, efficient, and informative. Quick service is a good thing.
"We couldn't agree more—speed and clear communication make all the difference! We are thrilled to hear that our team delivered professional, efficient service for you. Thank you for taking the time to share your feedback!

Reviewed Sept. 14, 2026
Freedom Debt Relief, thank you thank you thank you!!! What A relief I feel settling my highest debt at 50%. I only wish I would have entrusted you months ago. Thank you so much!
Settling your single largest debt at 50% is a massive milestone! We completely understand that feeling of weight lifting off your shoulders, and we are so glad you took that step with us. Thank you for the incredible feedback—we're thrilled to be in your corner!
Reviewed Sept. 13, 2026
I received a call from Freedom Debt relief because I was looking for help with some debt and they were able to help so far. Within a week they have one of my creditors already in Negotiations and working on the other five. So far I am pleased with things.
Thank you for sharing your early experience! Taking swift action to negotiate with creditors and deliver peace of mind from day one is core to our mission. We appreciate your trust in Freedom Debt Relief and look forward to celebrating your program graduation.

Reviewed Sept. 10, 2026
It's good work with Freedom debt relief, I am little scared when I get letter from my credit cards company but I call or e-mail to Freedom people and they answer me and explain me everything so I calm down and relax.
We understand that receiving letters from creditors can be unsettling, and we're thrilled to hear that our team was able to provide the support and clarity you needed. It's our goal to help you feel confident and at ease throughout this process. Please don't hesitate to reach out whenever you have questions or need assistance. We’re here to help!
Reviewed Sept. 9, 2026
I’m very early in the program, but so far everyone I’ve spoke to has been more than kind.
Thank you for sharing your early experience with us! We're delighted to hear that our team has been kind and supportive as you begin your journey. Should you have any questions or need assistance along the way, don't hesitate to reach out. We're here to ensure your experience remains positive and productive. Wishing you all the best in the program!
Reviewed Sept. 9, 2026
Amazing company. Hundred percent recommended. Shortly after starting with them less than two weeks both of my account was dangerously close to go to court was settled. I truly appreciate everything you guys do for me. Highly highly recommended.
Averting potential court action in less than two weeks is a huge win, and we couldn't be happier for you! Stepping in to resolve urgent accounts and protect your peace of mind right away is exactly what our team strives to do. Thank you for the glowing recommendation!
Reviewed Sept. 9, 2026
I thought this company had its clients best interests in mind, however they decided to choose the path that made them the most money out of my unfortunate situation, yes I understand I put myself here, and they took advantage of that. Instead of actively trying to reduce my credit card with the high interest rate. They let the penalty charges increase. To the point Amex sent me a lawsuit. Which I’m sure FDR and Amex have some sort of agreement when handling clients. This lawsuit forced me to increase my bi weekly payments. Fast forward to today. I’m ahead of schedule on my payments and have made additional installments. They refuse to let me change my bi weekly payments lower. So because of this, I will be going on a long long journey of sharing this experience over every platform connected to FDR, and ranking my experiences a negative 5 stars.
Thank you for sharing your experience with us. We regret to hear about the difficulties you've faced and understand how distressing it can be to deal with unexpected legal and financial challenges. It's crucial that our solutions align with each client's needs, and we're sorry if this hasn't been your experience. We would like to review your account thoroughly and address the issues you've highlighted, including the ability to adjust your payment schedule. An account specialist will be in touch soon to discuss your concerns in more detail and work towards a resolution. Your feedback is invaluable in helping us enhance our services and support to our clients.
Reviewed Sept. 8, 2026
I’m supposed to have $119 taken out of my account starting on September 7th. Nothing has been deducted. I’m receiving emails and text stating I’m late on my credit card payments. They haven’t heard anything from your company and you still haven’t deducted the first payment to your company.
We apologize for the issues you're experiencing with your payment processing. It's concerning to hear that your payments haven't been deducted as expected and that you're receiving communication about late payments. Please know this is not the experience we want for our customers. To resolve this issue promptly, we ask that you contact our Client Services team directly at 800-655-6303. They are available to assist you and ensure your account is updated correctly, and you have the resources for handling creditor calls.
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