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Freedom Debt Relief Reviews

4,961,910reviews on ConsumerAffairs are verified
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  • Our moderators read all reviews to verify quality and helpfulness.
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Edited by: Amanda Futrell
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Fact-checked by: Jon Bortin

About Freedom Debt Relief

Founded in 2002, Freedom Debt Relief (FDR) is a nationwide debt relief company that provides debt settlement services and client education. The company requires applicants to have at least $7,500 in unsecured debt. Its fees vary based on the state the client lives and the amount of debt they enroll. Freedom Debt Relief earns positive marks from customers for its communication, transparency and negotiation results, with a 4.5-star rating across 34,000+ verified ConsumerAffairs reviews.

Visit www.freedomdebtrelief.com
Pros
  • No fees until settlement reached
  • Highly rated customer service
  • Works with high debt amounts
Cons
  • Can lower your credit score
  • Some reports of communication issues

Freedom Debt Relief Reviews

Over 25k reviews since 2012

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    2 featured reviews
    How do I know I can trust these reviews about Freedom Debt Relief?
    • 4,961,910 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 2 Reviews 35 - 75
    Verified purchase
    Billing

    Reviewed Aug. 25, 2026

    I am very pleased with the way my bills are being paid.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for the feedback! We're so glad you're happy with your progress, and we're excited to keep working hard on your behalf!

    Verified purchase
    TechStaffRates

    Reviewed Aug. 24, 2026

    Agent was very professional; he answered all my questions, and I felt like he had my best interests in mind. I have dealt with other company that was only after my money.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We know how frustrating it is to deal with companies that don't put you first, which is why treating our clients with complete honesty and care is top priority. Thank you for choosing Freedom Debt Relief—we’ve got your back every step of the way!

    Staff

    Reviewed Aug. 23, 2026

    They are very helpful and understanding about what you’re going through.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you so much for sharing! Managing debt can feel overwhelming, so having a supportive, non-judgmental team in your corner is everything. We are glad we could make you feel heard and understood.

    Verified purchase

    Reviewed Aug. 23, 2026

    You have the best people working for you and they explain the plan simply. I'm just starting the plan and I feel great about it.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Welcome to the program! Having an exceptional team that can explain complex steps simply is something we pride ourselves on. We’re thrilled you feel great about starting your journey, and we’re excited to walk alongside you!

    Coverage

    Reviewed Aug. 23, 2026

    I'm happy with Freedom Debt Relief and seeing the progress in fixing my debt.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We’re thrilled to hear that you’re happy with your progress! Tackling debt is a major step, and our team is proud to be working hard behind the scenes for you. Here’s to even more milestones ahead!

    PriceStaffBillingLoan ProcessRates

    Reviewed Aug. 22, 2026

    I don't know why anyone would want to use FDR as an option. You pay a monthly fee no matter what. You have no say in which accounts get paid first or last. You pay FDR a settlement fee each time an account is negotiated. It is usually 25%. FDR claims to reduce the amount you pay to your creditors. This is true. But when you also pay the 25% fee, you actually pay more than you owe. Also, if any of your accounts are in legal, there is not negotiations below 80%. So now you're paying more than your balances when you include the 25% fees. And beware of your "loan" options. They work with a sister company to get you a loan to pay the rest of your balances. Yes it helps your credit but, you are now paying interest to the same company. Your settlements plus the 25% fees and then the interest of the loan. Then they take 7 months to close my last account.

    When I was approved for the loan in January and the last of my accounts closed in July, the sister company for the loan charged me over $3700 in interest even though I was not an official client until July. Then Freedom took 1 last payment on the date I graduated to the loan. They acted like they transferred everything over to my loan account. NOPE. They kept the $613 payment until it "cleared" then they stated they would send it back to me. Never happened. NO THANK YOU.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your experience. We take concerns regarding fee structures, program timelines, and unreturned funds like your $613 payment very seriously. We want to investigate your file to ensure all your concerns are addressed. Please reach out to our client services team at 800-655-6303.

    Verified purchase

    Reviewed Aug. 20, 2026

    It was a little confusing at first, but they explained everything to me. The process was easy.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We know tackling debt can feel a bit overwhelming at first, so we’re thrilled our team could clear things up and make the process smooth for you. Thank you for sharing your review—we’re glad to have you with us!

    Verified purchase
    Staff

    Reviewed Aug. 20, 2026

    Reza was extremely helpful, very patient and very kind. Helped me to understand how the debt relief was going to work. Answered all my questions. I was relieved they were able to help with my situation.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    That feeling of relief is what it's all about! We know starting this process can bring up a lot of questions, so we're delighted that Reza took the time to explain everything thoroughly. Thank you for trusting us with your financial situation!

    Verified purchase
    Staff

    Reviewed Aug. 20, 2026

    People are very helpful, they got me going on the right path.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Getting on the right path is a huge first step, and we’re so glad our team could guide you there! Thank you for the kind words—we’re excited to walk alongside you every step of the way.

    Profile pic of the author.
    StaffBillingRatesTransparency

    Reviewed Aug. 19, 2026

    I am very pleased with Freedom debt helping to negotiate with high interest credit cards. Sending me updates constantly.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for the great review! We're so glad our updates are giving you peace of mind while we work on lowering those high interest rates. Thank you for choosing Freedom Debt Relief—we look forward to celebrating more progress with you!

    Verified purchase
    Staff

    Reviewed Aug. 19, 2026

    The representative was very knowledgeable in what was being offered. He helped without any hesitation.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for the wonderful feedback! Our team takes pride in being knowledgeable and ready to assist at a moment’s notice. We’re so glad he was able to guide you smoothly through the process!

    Reviewed Aug. 19, 2026

    FDR is AWESOME!!!! They have been great on every settlement!!!! Highly recommend them.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    WE LOVE THE ENERGY! Thank you so much for the awesome review! Delivering great results on every settlement is what we strive for, and we’re thrilled to hear we’re knocking it out of the park for you. Thank you for the high recommendation!

    Reviewed Aug. 19, 2026

    I wish I had found a different way to deal w/ debt.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We completely understand that managing debt is an overwhelming journey, and debt resolution isn't always an easy path. We want to make sure you feel fully supported and clear on your choices. If you’d like to review your current plan, explore adjustments, or discuss your options, please reach out to us directly—we are always here to listen.

    Verified purchase
    Staff

    Reviewed Aug. 18, 2026

    Friendly, helpful service. Easy to set up and understand.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your feedback! We aim to make getting started as straightforward and friendly as possible, so we’re thrilled to hear everything was easy to set up and understand. Welcome to Freedom Debt Relief!

    Verified purchase

    Reviewed Aug. 18, 2026

    The people I have worked with at Freedom Debt Relief gave me hope for a better financial future. Thank you.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing! Restoring hope and helping build a brighter financial future is why we do what we do. We’re excited to keep working together toward your goals!

    Price

    Reviewed Aug. 18, 2026

    My settlement was nowhere near what FDR said it would be. Although they told me it could be not the anticipated settlement amount I do not believe it was worth messing up my credit only to not get a better settlement. I would highly be skeptical of what they tell you when they request your business.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Hi, we are sorry to hear about your dissatisfaction with the settlement outcome. We strive to provide clear guidance throughout the process, and we regret if the results did not meet your expectations. An account specialist will reach out soon to discuss your concerns further and ensure all aspects of your experience are addressed. Thank you for sharing your feedback with us.

    Profile pic of the author.
    Punctuality & SpeedBilling

    Reviewed Aug. 17, 2026

    Within the 1st month they made my 1st settlement and arranged the payment schedule.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Fast results and clear organization are top priorities for us. We're glad we could get that first debt settled quickly and set up a manageable schedule that gives you peace of mind. Thank you for your trust!

    Verified purchase
    Staff

    Reviewed Aug. 17, 2026

    I believe they are going to help me get peace of mind again.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing! Believing in a brighter, stress-free future is a huge step forward, and we are fully committed to working hard behind the scenes to make that peace of mind a reality for you.

    Punctuality & Speed

    Reviewed Aug. 17, 2026

    Really good news. Thank you so much, it was a really welcoming surprise. I can’t wait to pay it all off.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We love delivering good news! Getting a positive surprise on your path to financial freedom is the best feeling, and we are just as excited as you are. We’re right here in your corner until that final payment!

    Verified purchase
    Staff

    Reviewed Aug. 17, 2026

    Professional, knowledgeable, streamlined, friendly and easy to work with.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    We know navigating debt resolution can feel complex, so keeping our process clear and stress-free is a top priority. Thank you for taking the time to share your review and for trusting our team!

    Profile pic of the author.
    Billing

    Reviewed Aug. 17, 2026

    Cut my debt by half on one of my credit cards so far.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Seeing real progress like this makes all the hard work worth it. Every dollar saved gets you closer to your goals, and we’re honored to be in your corner advocating for you. On to the next win!

    Punctuality & Speed

    Reviewed Aug. 16, 2026

    My debts are recorded wrong on their side, making it a stressful experience. Some debts didn't get put on my program at all. Can't wait until this is over and I'll never use these people again!

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for bringing your concerns to our attention. We're sorry to hear about the issues you're experiencing with your debt program and understand the frustration this has caused. It's crucial that each client's details are managed accurately, and we apologize if we've fallen short in your case. Please be assured that an account specialist will be in touch shortly to review your account thoroughly and work towards a resolution that addresses your needs. Your feedback is important to us, and we are committed to improving our processes to prevent similar situations in the future.

    StaffCommunication

    Reviewed Aug. 16, 2026

    They have done a good job keeping me informed. They have helped take the stress away and have saved me sooo much time. I would highly recommend.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Taking back your time and peace of mind is what it's all about! We are delighted to hear that our updates have given you clarity and confidence throughout the process. Thank you for your trust and for sharing your experience!

    Verified purchase
    Billing

    Reviewed Aug. 15, 2026

    So far, so good. Freedom Debt relief and I are planning to get over $30K in credit card debt cleared up in 5 years. We are only 1 month into it at this point so it's hard to tell. Stay tuned. If asked again I'll provide a better educated review in a year or so.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Off to a solid start! We know building momentum takes time, and we’re honored to be in your corner for the journey ahead. We are working hard on your behalf behind the scenes and can't wait to celebrate major milestones with you along the way.

    Profile pic of the author.
    Verified purchase
    StaffTransparency

    Reviewed Aug. 15, 2026

    Updated on 09/04/2026: My first settlement was finalized! On the way to paying off debt! So far this is a favorable experience.

    Original Review: I just recently made the decision to become part of the Freedom Debt Relief program. So far, I've had an excellent experience. Everyone I've spoken with is very professional, courteous and empathetic to my situation. I am looking forward to working with FDR to settle my debt.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Welcome to the program! Taking that first step toward resolving debt is a big milestone, and we are thrilled to walk this path with you. Our team is always here to treat you with the empathy and respect you deserve every step of the way.

    Profile pic of the author.
    Staff

    Reviewed Aug. 14, 2026

    I have been very satisfied with the help I have received through FDR.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you so much for sharing! We are thrilled to hear that you’ve had such a positive experience with our team. We’re grateful for your trust and are always here to support you!

    Staff

    Reviewed Aug. 14, 2026

    They are easy to work with. Very understanding of your issues.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Clear communication and genuine understanding are at the heart of what we do. Thank you for your review and for allowing us to support you!

    Billing

    Reviewed Aug. 14, 2026

    So far, so good. I like what I’m seeing. My bill collectors are kept at bay; I am able to think straight. I can focus on buying the essentials I need to survive now. I have hope for a good future once again. At the same time, Debt Relief is working on my behalf to eventually pay off my debt and restore my reputation.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you so much for sharing your story. Giving our clients breathing room to focus on what truly matters is at the heart of what we do. We are honored to be in your corner, handling the stress so you can look forward to a bright financial future.

    Verified purchase
    Staff

    Reviewed Aug. 13, 2026

    So far, I am very pleased with Freedom Debt Relief. The representative I talked with was very helpful and explained it very, very well and explicitly to me so that being said, I would recommend freedom debt relief to anyone in my family or anyone that asked me about it. I would highly recommend it. Thank you and thank you for Miss Rue **. She was the one that explained it very well to me and for that reason is, why I signed up for debt for freedom, debt relief.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you so much for the wonderful review! We’re thrilled to hear that you felt confident and well-informed during your call. We will be sure to pass your kind words along to Miss Rue—she’ll be delighted to know she made such a positive impact. Welcome to Freedom Debt Relief, and thank you for recommending us!

    Verified purchase

    Reviewed Aug. 13, 2026

    They were nice and explained everything to me! They answered all my questions.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Clear communication and friendly support are top priorities for us. Knowing that our team took the time to answer every question and make you feel comfortable means the world. Thank you for sharing your experience!

    Verified purchase
    Billing

    Reviewed Aug. 13, 2026

    So far so good. Will be making 1st payment Aug 21, 2026.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Welcome to Freedom Debt Relief! Our team is committed to ensuring a positive experience. Should you have any questions or need assistance along the way, please don't hesitate to reach out. We're here to support you every step of the way!

    Punctuality & SpeedStaff

    Reviewed Aug. 12, 2026

    I just started my journey with FDR and I must say, it was scary initially but I am so happy with my decision to join! It’s only month 2 and I have already started to get offers to settle which is extremely early but proves they hit the ground running. The staff explained the process to me in great detail and answered all of my questions. Anytime I need assistance there a direct line of contact to a representative. If you are thinking about joining FDR, just do it. The relief I feel is unmatched! Thank you FDR!!

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your experience with us! We're thrilled to hear that you are already seeing positive results just two months into your journey with us. Our team is dedicated to providing detailed guidance and support, and it's wonderful to know that you feel well-informed and relieved. We appreciate your recommendation and are excited to continue supporting you on your path to financial freedom. Thank you for choosing us!

    Verified purchase
    Punctuality & SpeedStaffFollow-Through

    Reviewed Aug. 12, 2026

    They do what they said, quickly. Excellent experience.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your excellent experience with us! We’re thrilled to hear that we met your expectations quickly and effectively. Your feedback is greatly appreciated, and we're committed to providing the same level of service in the future. Thank you for choosing us!

    Verified purchase
    Staff

    Reviewed Aug. 11, 2026

    They are amazing. Settle money for your budget and handle the settlements.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your positive experience with us. If you have any further questions or need assistance, please don't hesitate to reach out. We're here to help!

    Verified purchase

    Reviewed Aug. 11, 2026

    All is going as they said. Very happy with them. Glad I found them.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Hearing that you're happy with your progress makes our day! We’re honored to support you on your financial journey and keep everything moving forward as promised.

    Verified purchase
    Staff

    Reviewed Aug. 11, 2026

    My experience with Freedom Debt Relief has been a very good one. They are knowledgeable & experienced to help me resolve my debts.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for the great feedback! Our team works hard to bring knowledge and experience to every client’s unique situation, so hearing that you've had such a good experience means the world to us.

    Profile pic of the author.
    Customer ServiceBilling

    Reviewed Aug. 10, 2026

    If you’re serious about getting out of debt. With a great deal on payments, then call them. I have a steady monthly payment, and creditors leave me alone.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for the strong recommendation! We’re so glad we could help you secure a manageable monthly payment and get those creditor calls stopped. We appreciate your trust in our team!

    Profile pic of the author.

    Reviewed Aug. 10, 2026

    I’ve had no issues with Freedom debt. They have been very communicative and made sure I knew exactly what was going on.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Keeping you in the loop and making sure you always know what’s coming next is what we aim for every day. Thank you for taking the time to leave a review—we’re happy to be working with you!

    Verified purchase
    Punctuality & SpeedRefunds & PayoutsStaff

    Reviewed Aug. 9, 2026

    FDR helped me reduce the amount I was paying for debt relief which will give me additional money just to make ends meet. The process was easy and quick and helpful to me, I was relieved of taking care of debt that has been following me for years.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for trusting FDR! Helping our clients find immediate relief in their day-to-day budgets while resolving long-term debt is exactly what we strive for. We’re so glad we could assist you on your financial journey!

    Profile pic of the author.
    Customer ServiceContract & TermsPrice

    Reviewed Aug. 7, 2026

    I am very glad that I got a settlement for one of my accounts. I am not impressed by the time it took to settle or that I have to pay a large fee for it. I am hoping I don't have to pay the same amount for every settlement. If I do, this program is not really worth it, because my credit is taking a major hit and I get tons of harassing calls from my creditors every day.

    Thanks for your vote!
    Freedom Debt Relief
    Response from Freedom Debt Relief

    Thank you for sharing your feedback with us. We understand your concerns regarding the time taken to settle your account and the fees associated with our services. Our program aims to help clients resolve their debts effectively, and we're sorry to hear that your experience has not entirely met your expectations. We recognize the impact this has had on your credit score and the inconvenience of receiving calls from creditors. Please know that we are here to assist you and address these issues. Please reach out to our Client Services team to discuss resources available for your concerns at 800-655-6303. They are available 7-days a week to assist.

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    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

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