Freedom Debt Relief Reviews
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About Freedom Debt Relief
Freedom Debt Relief (FDR) earns positive marks from customers for its communication, transparency and negotiation results, with a 4.5-star rating across 34,000+ verified ConsumerAffairs reviews. Founded in 2002, Freedom Debt Relief is a nationwide debt relief company that provides debt settlement services and client education. The company requires applicants to have at least $7,500 of unsecured debt. Its fees range from 15% to 25% of enrolled debt, depending on the state where the client lives and the amount of debt they enroll.
Visit www.freedomdebtrelief.com- No fees until settlement reached
- Highly rated customer service
- Works with high debt amounts
- Can lower your credit score
- Some reports of communication issues
Freedom Debt Relief Reviews
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- 4,922,678 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
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Reviewed July 14, 2026
Freedom Debt Relief was second as far as being rated and that made me feel good. The enrollment was easy. They were so willing to work with me to get this taken care of. I was devasted that I had to do it. They made me at ease that I wasn't doing something bad and that I'm not the only one in the world who did it. Also, the rep was friendly, had a nice voice, and seemed to know what he was doing. Very knowledgeable in what his product was and how he would help me.
We love hearing this! Thank you for sharing your feedback. Our team works hard to make the process as clear and stress-free as possible, and we'll be sure to pass your kind words along to your representative. We're here for you every step of the way.
Reviewed July 13, 2026
This is a great investment. I do appreciate the continuous contact and they are super informative. Thanks for helping me with my debt.
Thanks for the great review! We're so glad our team could give you the clear information and steady support you needed to tackle your debt. Wishing you the absolute best on your financial journey!

Reviewed July 13, 2026
Well I was told I would qualify for a consolidation loan if I paid on time for a year..Well I did no consolidation loan..My wife was told the same..No loan. My credit went down 250 points and the quote I was given was not static. I still got sued and to settle it my payment went up 200 plus a month.
Reviewed July 11, 2026
We had some credit card stuff we had to take care of. When I spoke with Freedom Debt Relief, they explained everything. They were very knowledgeable. They just got us put into Achieve. I enjoyed the people that we talked to. They were good at what they were doing. Both of us understood what was going to happen, and it was good. It was something that we needed.
Thank you so much for sharing your experience! We're thrilled to hear our team made the transition to Achieve smooth and clear for both of you. Helping you take control of your finances with confidence is exactly what we aim for. We're glad to have you with us!
Reviewed July 10, 2026
Freedom Debt Relief negotiated our first debt at 50% of the original debt owed. My husband and I are so grateful. We have full confidence that they will do the same with our other debts that we consolidated with them. Thank you.🙏🏻
We are absolutely thrilled to help you and your husband reach this first major milestone. We appreciate your trust in us and are fully committed to getting the rest of your debts resolved. We’re with you every step of the way!
Reviewed July 9, 2026
Excellent customer service and excellent communication. ⭐️⭐️⭐️⭐️⭐️
Thanks so much for the 5-star review! We're thrilled you had a great experience with our team.
Reviewed July 9, 2026
The last time I used Freedom Debt Relief, it was good. They did what they said they were going to do. When I finished the program, they even gave me a check as a reward for completing everything I was supposed to do. That's why I decided to go back this time. The rep who helped me was very knowledgeable and walked me through everything in a way that I could understand. He would call and let me know every step of the way and everything he said he was going to do, he did. The whole process has been easy, and I was approved for Achieve. Everything is going well.
Freedom has a good program. It helps you get out of debt and back on your feet, and they take care of everything. All you have to do is make sure your money is there. The website is easy to use, and everyone I've talked to has been knowledgeable, nice, and professional. I'm happy with the program and would tell others about my experience and recommend they go for it.
We are so glad to hear your second experience with us is going just as smoothly as the first. Thank you for trusting us to support you again, and congratulations on your progress with Achieve!
Reviewed July 8, 2026
From start to finish the process was simple. Great communication and excellent customer service. I was able to work with someone that used to be a local to my area which was pretty cool. I don’t know what would do without this service as we were going to be drowning in debt. Thanks again!
Thank you for the wonderful feedback! Knowing we helped lift that weight off your shoulders means the world to us. We are always here if you need anything else.
Reviewed July 8, 2026
I made a mistake enrolling with Freedom Debt Relief. They told me it was going to be easy and that they were going to do everything for me, but after that, I was doing the settlements by myself. I settled two accounts on my own, and if I had to do it again, I'd just do it myself. I use the dashboard to track my progress, and I'm almost done with the program. It was beneficial to make just one payment, but Freedom charges more than I thought they were going to.
It's great to hear you are almost done with the program and that the dashboard has kept you on track. That said, we're really sorry for the frustration with your settlements and the confusion around our fees. We want to make sure your experience finishes on a better note. Please connect with us at 800-655-6303 so we can look into your specific account details.
Reviewed July 7, 2026
Over the years I have found Freedom Debt Relief a responsible company in helping me negotiate a settlement with seven accounts and make monthly payments out of my monthly payment. FDR has signed me up with Achieve to pay off the rest of my debt with a lower payment after almost 4 years.
We love hearing success stories like yours! Thank you for trusting Freedom Debt Relief to handle your accounts. We are excited to see you transition smoothly to Achieve to take care of the rest.
Reviewed July 7, 2026
I know you are skeptical but so was I. I took a leap of faith and thank God I did! I am so happy I was able to use Freedom Debt Relief. I didn't know what to do with all my credit card debt and felt like I'd be in a hole forever. Freedom made it so simple and it really has helped me get back on my financial track. Of course, I was skeptical but after seeing how they helped my brother, I had to do it too. What relief this process has given me.
Taking that first step isn't easy, but we're so glad you trusted us to help. Thank you for the wonderful review, and congratulations on your financial progress!
Reviewed July 6, 2026
Freedom Debt Relief was the first one that popped up online when I was looking and I just stopped with them. The guy who signed me up gave me all these good recommendations and everything was good with them, so I stuck with it. In the beginning, dealing with the rep was good. But a couple of months down the road, I tried to call and email, and I never got any response. So, I started talking to random people. I never talked to the same person again.
One thing I didn't like was that when I first signed up, the program wasn't explained to me correctly. Later, when I asked questions, I was told that what I'd originally been told wasn't right. They told me that even if I added another account, my payment would stay the same, but that turned out not to be correct. But other than the miscommunication, Freedom Debt Relief has been awesome. If I were anybody else, I would reach out to them.
Thank you for your feedback! We're glad to hear that you initially had positive experiences with our team and that the value of our services stood out to you. We regret any clarity issues or inconsistencies you experienced during the program explanations. We're taking your insights seriously to improve our processes. We appreciate your recommendation and love of our program, and we're here to assist further if needed. If you have more questions, feel free to contact us anytime.
Reviewed July 5, 2026
If you find yourself ever facing financial hardship, accompany that a highly recommend that you speak to is Freedom Debt Relief. There are a company that will protect your rights and help you get from under insurmountable debt and regain control over your life. Do not allow pride to have you attempted on your own give a professional a call and Freedom Debt Relief has very knowledgeable, professional, and courteous people to guide you through the process.
Thank you for sharing your uplifting recommendation! We're thrilled to hear your positive feedback about our knowledgeable and courteous team members. At Freedom Debt Relief, we are dedicated to supporting you in overcoming financial challenges and regaining control. Should you need any further assistance or have questions, please feel free to reach out. We're honored to be part of your journey to financial freedom!
Reviewed July 5, 2026
I had improvements done on a house and when I sold it, I went into a hole for $20,000. I quit paying the other companies because I didn’t have the money. I couldn't get enough out of the house to pay for them. So, I had to do something. After a couple of years, I came across Freedom Debt Relief and I decided to try them. The price could be a little bit lower but it’s getting me out of debt. Freedom helped me tremendously, and the reps I've talked to have all been understanding and very knowledgeable. I’m 80 years old and retired, and I have a little bit more money now to live on. I've had a good experience and I’ll be done in four months. If someone has a lot of debt and can't get it settled on their own, Freedom would be a great one to deal with.
Thank you so much for sharing your story! We are incredibly happy to hear we’ve helped you find some extra breathing room in your retirement. Being just four months away from finishing your program is a huge milestone, and we are so proud to stand by you. Thank you for trusting us to help you get back on track!

Reviewed July 4, 2026
Customer service is responsive and considerate. The process moves slowly, and there is a fair amount of tension involved, but customer service is sympathetic and willing to listen. The first of three debts has been settled, and I look forward to quicker movement on the remaining debts.
Thank you for your review. Debt resolution is often a lengthy and tense process, but we're glad our customer service team provided the care and responsiveness you needed. We're committed to keeping up the momentum and resolving your next two debts efficiently.
Reviewed July 4, 2026
I had contracted with another company, and they took my money and disappeared off the face of the earth. So, I was in a bind and I had to do something. The enrollment process with Freedom Debt Relief was easy enough and the reps handled everything. I just turned it over to them, and they would contact me and tell me what was going on and get my permission to do the things they needed to do. There were no complications. They sent information, told me what they were going to do, what they were going to charge and how long it would take. They had everything lined out right down the line. They were easy to talk to, understood my situation, and out of anybody I talked to, they were probably the most helpful.
Going through the program opened my eyes to where I was with my debt and what it was going to take to get it taken care of. The most helpful part was getting it off my chest and getting it done, even though they charged an astronomical fee. You know you're in debt already, and the amount they charge just makes it that much more. But then you got yourself there, so you gotta get yourself out of it. Freedom Debt Relief took me out of debt from one place and put me in another, but this one is controlled and I was aware of it. It impacts my life for the next four years because I have to keep making payments, but it also gives me peace of mind knowing there's an end to it without being hounded by collection agencies.
Thank you for your honest and detailed review. We’re so glad our team could take that weight off your shoulders and give you a structured, hassle-free path forward—especially after such a stressful start elsewhere. We hear you on the program fees; it is a major financial commitment, but we’re glad the predictability and peace of mind are making a difference. Thank you for trusting us with your journey to becoming debt-free!
Reviewed July 3, 2026
Helpful service, but the process took a long time. The support team explained everything clearly and answered my questions.
Thank you for the feedback. We're happy our team provided clear support, but we're sorry the process took so long. If you have any questions, please reach out to our Client Services team at 800-655-6303.
Reviewed July 3, 2026
My experience with Freedom Debt Relief has been a positive one. The customer service is always top-tier. I’ve had interactions that were welcoming, friendly and very helpful. They answered my questions as complete and informative as I’ve ever experience new to the process of getting Debt Relief but I felt that it has helped me to become more relaxed and feeling like I could be taken care of by this company so I look forward to what else is coming gonna come out of this situation and I’m also looking for completely debt free
Thank you for the wonderful review! We're so glad our team could provide the friendly and welcoming support you deserve. Welcome to the program—we look forward to helping you achieve complete financial freedom!
Reviewed July 3, 2026
I thought Freedom Debt Relief could take care of my debt in a quick manner. So far, it has been good. My only issue is certain items on my debt, I want that to get worked on quicker than others because of the deadlines. FDR has been settling the accounts. It's just not as fast as I would like. Other than that, I don't have problems with FDR.
We appreciate your feedback. While negotiating settlements can take time, we understand you have urgent deadlines on certain accounts. Please reach out to us directly so we can review your account and see how we can speed up the process for those specific debts.
Reviewed July 2, 2026
I've used FDR twice, and they've always been very good. When I read over their information, I just felt good about that. There are other choices out there, but I decided to go with them. They’ve been very thorough. This last round, my brother ended up helping me out. So, I called Freedom and asked them, “What do I need to do?” And one of the employees said, "It would probably be best to call the creditors and settle it with them." So, that's what I did. There was only one creditor that I was having an issue with. But it was more the creditor than it was them at Freedom Debt Relief.
Thank you for being a loyal client and trusting us twice. At Freedom Debt Relief, transparency is everything to us. We believe in putting our clients' best interests first, so we're glad our representative could give you the right advice to resolve that account quickly with your brother's help. Thank you for the great review!
Reviewed July 1, 2026
I wanted to clear up some of debts and I decided to try Freedom Debt Relief. The reps are always very helpful. Whenever I need to talk to them, I can get somebody on the phone. The service seems good. I just wish I had more money so I could pay the debts off quicker. I’m probably almost to the middle of the program because I'm still paying some of the debts that Freedom has offered settlements for. It would be nice if they would give an update on the balance. I’ve probably seen something like that online, but I don't pay attention if it's not a quick fix.
We are glad our team has been helpful and easy to reach when you need us. We hear you on wanting quick and easy balance updates. You can actually view your real-time progress and remaining balances instantly by logging into your online dashboard at fdrclient.com or by using the FDR app. If you ever want a quick walkthrough of where to find this, just ask us the next time you call. We're with you all the way!
Reviewed June 30, 2026
Got started right away with what I had. 4 stars. Would recommend them all the time.
Thanks so much for the awesome recommendation! We love helping our clients hit the ground running. Appreciate your support!
Reviewed June 30, 2026
Somebody got me in contact with Freedom Debt Relief. I enrolled in their 24 months program and it’s still ongoing. Working with them lowered my monthly outgoing by at least half. Their pricing was good. The only thing is there was a couple of things I wasn't made aware of that I didn’t like after I had already started. They didn't tell me that I had to let all my accounts go into overdraft before they would initiate anything till my credit rating dropped out of the damn sky.
Hi John, thank you for sharing your experience. We're glad to hear we cut your monthly outgoings by half and that the program is giving you some financial relief. However, we're sorry for the surprise regarding your credit score and account status. We aim to be completely transparent that creditors typically only negotiate once accounts are past due, and we apologize if this wasn't made clear to you upfront. We want to support you through the rest of your 24-month program—please reach out to us at 800-655-6303 if you need any assistance.

Reviewed June 29, 2026
The program is extremely slow and they changed my payment amount once after we had already agreed on an acceptable payment I could afford, which was extremely irritating and difficult to come up with. The amounts they are reducing my debt by is very discouraging, but they are reducing it somewhat. The longer they take, the more money they get to keep. Therefore, it’s in their best interest to drag the process out. Again, the program works eventually and does decrease your debt somewhat. The attorneys they use if you get turned over to collections are extremely rude and patronizing to you in their communication with you. I DO NOT like that and find it HIGHLY unprofessional when they are supposed to be working on your behalf. I can tell you, if I ever get them paid off, I will NEVER use them again. Just my honest opinion.
We appreciate your honest review and apologize for the frustration regarding our program's timeline and the communication you received. Providing professional, respectful support is our top priority, and we clearly missed the mark here. Please contact our Client Services team directly at 800-655-6303 so we can review your program and address these concerns with you one-on-one.
Reviewed June 29, 2026
I am very excited about this. It was done so fast and no worries on my end. No harassing phone calls. Just a smooth transaction. Just had to approve it. I really recommend Freedom Debt. Such a weight off my Mind.
Thank you for the recommendation, Teresa! Keeping things simple, fast, and stress-free is exactly what we aim for. We’re so happy to have been able to help.
Reviewed June 29, 2026
I was in debt. I went with Freedom Debt Relief's consolidation program. Their representatives were kind. They took the time to review my problems and they solved it for me. They were addressing my questions and concerns. They were good. Overall, FDR is great. They're very helpful and they’ll work with you.
We love hearing this! Thank you for choosing Freedom Debt Relief. Our team always strives to be kind and helpful, and we're so glad we could assist you.

Reviewed June 28, 2026
Great company!!! Wish I did this sooner. My joy is to the moon.
Thank you so much! Knowing we brought a smile to your face truly makes our day. Welcome aboard!
Reviewed June 28, 2026
Freedom Debt Relief is working hard on my behalf. Also is working hard to get the best results. Very happy I called them first.
Hearing this makes our day! Taking that first step toward financial freedom can be tough, so we are thrilled you made that first call to us. We’ll keep working hard every single day to get you the best results. Thank you for your trust!
Reviewed June 28, 2026
I was in debt with a lot of bills and I couldn’t manage to get away with them. And now, I’m doing good with Freedom Debt Relief. They've been paying my debt and getting control on it. Anyone considering Freedom Debt Relief should get with them and do what they have to do.
Thank you so much for sharing your story! Getting a handle on overwhelming bills takes a lot of hard work, and we are so glad we could help you take control of your finances. Keep up the great work!
Reviewed June 27, 2026
Freedom Debt Relief is a great company, and they take care of people. When I would call them, they'd always give me an answer, if not, they'd get back up with me. They took care of what I needed taken care of and I got my debts paid off. It was great.
Thank you so much for the great review! We pride ourselves on being there for our clients whenever they call. Congratulations on becoming debt-free!
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