Freedom Debt Relief Reviews

Since joining Freedom Debt Relief I get e-mails keeping me updated on my status, phone calls just to check on me seeing if there is anything they can do or answer. The workers here are very courteous and take the time to explain to me what's going in and what can happen. Thank you Freedom Debt Relief for all you do and all you've done for me and a piece of my that everything is going to be ok. Thanks again.

They claimed to help me but have done nothing at all for seven months!! They are not settling ANYTHING! I am still getting threats of being sued and they made me commit to an unreasonable amount of money a month, so much that I may lose my home now. They will not give me information about my own account! Refuse to return calls and the biggest lie they tell you is that there is no fees unless they settle. That’s funny because I paid hundreds in fees and NO settlements yet!! Now I am trying to just get my money back and can't even do that!! Freedom Financial you owe me a couple thousand!

You were always ready to help. Did a great job. Got our life back somewhat.

So far I can see some progress. My questions are answered in a timely and caring way. Of course I will be glad when everything is finished but I have been diligently changing how I manage my money.

Everyone has been helpful.

I was in the program for approx. 9 months. I was always calling to see where exactly my account was going. After I would call, things would happen. Paid off two accounts or made 2 offers I should say. My credit was fine before I got in the program, was never late. Just wanted to get in program that I could get rid off accounts in a timely manner. I guess I was in a program that was not for me. I have cancelled and my credit is ruined. I couldn't qualify for anything now. Every time I called I got someone new and always a different story about my account. I can't do anything now so I guess I need say no more but I would never recommend Freedom Relief.

I am very dissatisfied with this program and would not recommend it. In hind sight, we should have gone in a different direction and investigated more thoroughly before going ahead with Freedom. The endless phone calls from creditors even after we mailed a letter to each one with change of address and letters requesting that our accounts be closed. We fully understand that it is our own fault for getting into debt in the first place, but Freedom Debt Relief was the wrong program to choose. Our credit score is horrible and it will take years to reclaim a good score. The other thing is that it has affected the chances of my wife getting a job as companies do credit background checks. Thus, with the state of our financial status being in horrible condition, employers see that as a red flag and do not even offer an interview.

I am working on being debt free!!! So far, it has been easy... I have nothing but nice things to say about Financial Freedom. They have made this experience pretty much pain free :)) Then people from Financial seem to know the pain I was going through and has made my life much better. I want to thank them all!!! I still have a ways to go, but now I see the end of the tunnel.

I am happy that my debt is SLOWLY getting resolved. However, I have never had bad credit and this is hitting me very hard. I cannot trade in my vehicle, move to a new rental, or apply for a new job because I work in the banking industry. I guess I thought this process of settling the accounts and seeing my credit turn around would be going faster. I did not realize and was not told until the last conversation that I had with your company that it can take the entire term of the agreement to get these companies to settle. That pretty much puts my life on hold for over 3 years.

I am happy with Freedom in trying to help My Wife and I to resolve our outstanding DEBT. We have been with Freedoms's program for almost 9 months. As of now only 2 have been satisfied. As of now we can only have the amount designated to be withdrawn on the designated date due to financial hardship. We continue to receive letters from now 2d party Creditors and also calls to my work. I have faxed these letters to Freedom w/response to that they have received them. I will be doing this again as I just received another notice from a 2d party collection company. I also recite the saying and provide the number to Freedom. Where does it end. But all in all I am very satisfied.

They lie, cheat and steal from people in vulnerable situations! They have done nothing to help only make my situation worse!!!!!!!

Thanks for your help. Your Honesty, Respect and Guidance allowed me to make my decision in resolving my debt with your company. Keep up your good work.

We are very please with Freedom Financial. Your Company takes the stress of trying to determine how much to pay each month to get rid of the debt. Thank You.

I would highly recommend Freedom Debt Relief. My husband & I found ourselves in a financial bind after he had been off work for Surgery. We could not get ahead on our credit card debt due to high interest. We have only been in this program for 8 months and already Freedom Debt Relief has settled 4 of our debts for. They have been very helpful anytime I have called in with questions. We would definitely recommend this company to anyone.

Since signing with freedom in October of 2013, my debt has reduced by $3000.00. I could not done this on my own. I am very happy with the service I receive each time I call their service department.

The whole process of debt relief has been a good experience for me. It was a little annoying at first, getting harassing calls from creditors, but with the tools offered from FDR to handle those calls was the best route for my situation. I could not have done any of this without FDR. I am looking forward to settling my one last debt, hopefully in the very near future. I was not condemned for getting myself in such a financial bind. FDR employees were very understanding and kind to me, as they gave their all to ease my burden and help me to pay off my debts. I will definitely refer FDR to anyone who needs this type of help. Thanks to all of the FDR employees for giving me the help and encouragement that is invaluable to me in this situation.

I was skeptical at first, but have been pleasantly surprised with the progress they made. I would recommend them to family and friends.

I have had good results so far with Freedom Debt, they are easy to work with and are there for whatever you need answered, and any question, or concerns. Very Happy.

Freedom Debt Relief has been GREAT in negotiating with my unsecured creditors to reduce my debts and pay them!! Due to loss of income I was unable to pay as they were scheduled so by obtaining the assistance of freedom debt relief, I am able to combine all debt and pay them all off in 4 yrs.! I contribute bi-monthly to an account set up for me so as Freedom Debt Relief can pay my creditors as $$ allows!! This has been GREAT to cut down my total debt and payments during my financial HARDSHIP!! To become debt free a lot quicker and reduce my debt amount is stress relief!!

My wife and I are extremely happy with the progress that is being made for us to become debt free. We had our moments of panic when creditors would call, but we stuck to what your employees told us and everything so far is moving right along. Thank You.

I am really happy for the big help and support that I have with Freedom. I am almost finish my due and the experience that I have is easy and quit. They always get in contact with me right away to let me know that we about to closed an account soon and ask me if I am agree with the percentage that they get. I am very happy and I recommend to let Freedom to solve your due.

We are very happy with what Freedom Debt Relief is doing for us! We have 12 accounts and have been in the program for 8 months. Freedom has resolved 6 of our accounts already! We are so thrilled to be getting out of debt! Thank you Freedom!

Freedom has been a great experience. They have been very helpful and always communicate very well. Anytime I call or have a question, they always answer and put my mind at ease. It is a trying time going through the process but they definitely make it easier. Thank you. I would totally recommend.

Was not satisfied with the last negotiation. It would have not gone to court had someone contacted them and tried settling payment arrangements.

My husband and I started with this program about 1 year ago. We made our payments faithfully for about 6 months of 280.00 monthly. In this time we didn't get 1 card settled. We were however sued by Wells Fargo. They were able to negotiate a settlement so that we could pay the entire amount that we owe them. So we saved 0.00 but of course we got to pay the fees they charge for negotiating. I could have done that myself without getting sued and having a public record on my credit report. Plus I wouldn't have to pay myself a fee. Either way, what's done is done so we moved forward. They called finally and offered us Consolidation Plus. They said, "Your payment will be about the same as you are paying now," so we agreed. We signed all the proper documents and got the program started.

Good so far. A big relief.

I've been in the program one year. I enrolled with $46,500 in debt after going through divorce. Prior to enrolling I had never been late paying any bills. My wife and I adopted a child and it was very expensive. Split costs up on 4 different credit cards. Then I lost my job, and my wife divorced me soon after. I've paid FDR over $10,000 and have settled on one of my 4 accounts. If I had at least one more settlement it would be a 5 star review. The people at FDR are a pleasure to work with and always answer the phone with questions I have. Great customer service.

I would recommend Freedom to anybody.

Freedom Debt Relief is efficient and wonderful to work with eliminating my current credit card debt. They are kind, courteous and reliable. I would recommend them to any person who wants to become debt free in a fraction of the time and money...

They were very helpful in negotiating a lower payoff with my creditors. I have been in the program for only one year and have already paid off two creditors and am in active negotiations with a third. If things continue on this track, I hope to be debt free in 2 years.

This was the best thing that could of happened to me. I was so lost and down for I had no idea how to solve this debt I was in. Then along came FDR and gave me a solution. It is a great program and would recommend to anyone who was in the same boat I was. Working with FDR has been a very great experience and a happy one. They are great.

I have been working with Freedom Debt Relief for close to eight months and have found them to be both courteous and professional to deal with. During the time, they have settled almost half of my debt with the creditors involved and have made my life a lot easier. When I first started I was a little apprehensive about working with them, but all the contact I have had with them changed my view quickly. They keep me update on all matters involving my account, and I would highly recommend them to anyone who has run into the situation I found myself in.

Has been the best experience and I am grateful for their expertise, professionalism and customer support during this process. Without their guidance, who knows how long it would take to eliminate my debt concerns. Definitely would give them an "A". Every representative I have spoken with has made this experience a pleasant undertaking. Thank you to the entire team!!

So far so good! I was skeptical, must be honest, however I'm very happy with the progress I've made in such a short time! Great communication with any questions I've had.

I had 4 credit card debts that was overwhelming. Two of the cards had exceptionally high interest rates. I called the creditor to see if it was possible to reduce the interest rates because I was struggling making payments large enough to reduce the principle on those two cards. I was told that if I could not make the payments then I should stop making payments. I turned to Freedom Financial and they were a very big relief. All I was asking the creditor for was a rate reduction. Freedom did better than that. Thank you.

So far Freedom Debt relief has been helpful, professional and have fulfilled all of their promises. I am thankful that my husband found them.

I'm very pleased with Freedom Debt Relief. I was lost for a debt solution until I contacted Freedom. I am little by little seeing my debt disappear. I can see an end to my debt; before an end was hopeless. I have received the most professional care. I would recommend Financial Debt to anyone.

I'm only eight months into the program, but it has given me peace of mind. I did not want to declare bankruptcy.

I have been working with the program for 9 months and couldn't be happier! We have settled a lot and can't wait to settle more. The hardest part is not answering the phone calls. They do the work for you and as long as you do your part and keeping them informed on what you receive. Thank You Freedom Debt Relief!

What a relief! Knowing that your debt will be settled for half (in most cases) if not more than half! I am so happy I got off the debt cycle and got on the relief train! I know my debt will all be paid in full - I actually have a time frame. As it stood, I had no chance of EVER getting it paid off. The debt counselors stuck with me through my tears first of fear then of relief!! Great job!

Freedom Debt Relief has been wonderful for me! I am 12 months into the program and two of my creditors are into the payoff stage. I see a light at the end of the tunnel and I feel that this is the only way I could possibly ever get out of debt. The customer service is TERRIFIC and I could not have asked for a more positive experience! I have recommended several friends to the program already.

I am very pleased with all the help that Freedom has done for me. It really has eased my debt worries.

This has been a great program for me. Like I said in my title line, I should have done this years ago, but I was afraid and didn't know what the program was. I had some life experiences that just rocked me financially. I was sinking and very frustrated, constantly worrying about my finances and if I would be all right. This program has given me back some peace of mind. The program helps you if you follow the program and help the people who are trying to help you. What I mean by this is: ensuring you are able to make the program payment drafts, contact the program when you receive correspondence from your creditors, respond to the correspondence you receive from Freedom Debt Relief. Know that you will get phone calls from creditors at the start but the program gives you guidance on what to do and how to handle this.

Freedom Debt Relief is helping me reduce my debt without filing bankruptcy. Thank you Freedom Debt Relief!

First started out, was not to happy with program but was told to see in a year if you felt the same way. I have to say that I am very pleased so far with the results. Please keep up the good work.

Thank you guys so much! You have took my stress away. My life is so wonderful.

I was so far in debt due to the economic situation and jobless rate that affected my roommate and fiancee. As the sole income in the household, it fell to me to meet the bills. During this period I was laid off and my car developed problems so severe, the repairs cost more than the car was worth. Freedom guided me through the process in a logical and straightforward manner. Credit card companies do not want you to get out of debt, and in many cases you have paid them off years ago. You are making interest payments. In the first year, I was a third of the way done, ahead of schedule, and able to see the light at the end of the tunnel. Yes your credit score goes down, but it was going down with the amount of debit you had amassed. Stick to the program and follow what the Freedom staff tells you.

Freedom debt relief is the best company to resolve any debt. The staff professionalism, intelligence, trustworthiness and friendliness is magnificent. My experience with FREEDOM DEBT RELIEF has been highly satisfactory. The excellent service I have received place my mind at peace. All my high interest credit cards are in excellent hands that, there is no need to worry. Freedom debt relief has already resolve some of my accounts and working diligently to resolve the rest. Am so grateful for all their hard work in settling my accounts. If I were to be in this situation again, FREEDOM DEBT RELIEF would be my first choice. Their service is EXCELLENT!!!

I have been with Freedom for 7 months and have resolved 2 out of 7 already. Every time I have called whoever has answered the phone, has always helped me and answered all of my questions. They have always been polite and friendly. Since I have not been in the program very long I do not have a lot to say - when I am in longer I will have more to say. Thank you FDR.

After many sleepless nights, I went online to see if there was any help I could receive with my debts. Freedom Debt popped up. I plugged my email address and phone number into their website. I received a call from a representative the very next day. I missed the call and was honestly afraid to return the call. The same representative called for several days and left messages. After listening to one of the last calls stating that she just needed to know if she should close my file, I finally called. I will always be grateful to her for her persistence. She was very informative and patient.

I recommend Freedom Debt Relief to anyone who has a huge amount of credit card debt and who wants a fresh new start in their financial life. You have to be patient and be able to trust them and soon your debts will be resolved in matter of months. If you are really in debt and have searched countless programs, do not worry, contact Freedom Debt Relief. But as a customer, you also have to be true to yourself in a financial sense and picture yourself 10 years ahead debt free and saving up money for future.

Freedom Debt Relief is the way to go. This was a smart move to me to join Freedom Debt Relief. They are very helpful, always there for you when you need them. I would recommend Freedom Debt Relief to anyone who need the help with their bills. Anyone to talk to they are very professional.

I'm only a little over a year in the program and now there is a lawsuit against me from one of the creditors so it would be nice if FDR would focus on that.

On the whole, Freedom Financial has been extremely helpful. All persons were sympathetic and reassuring, which has reduced the level of stress in dealing with an otherwise uncomfortable situation. I would highly recommend Freedom to anyone.

So far doing well, have 5 accounts and 1 is settled so far!

FDR has giving me great customer service and have been very helpful resolving my debt. Thank You!!

I am so happy with Freedom Debt Relief. The best - they are doing great job. Thank you for everything.

I have been in the program for about 7 months and so far everything has been so easy to do and my credit card debt is getting lower - thanks to Freedom. I am so glad that I went this way instead of bankruptcy. Thank you Freedom for taking the weight off my shoulders and the burden of dealing with creditors.

A lot of financial help.

I have been very pleased with Freedom Financial. The only time I was a little disappointed was when I was asked to negotiate a settlement with one creditor and at the same time, was asked to approve a different settlement with a different creditor. Then I was told that I didn't have any funds left to cover the one that I negotiated. I asked for direction but received minimal or no direction in handling the creditor. I called three times to speak to a manager and have yet to receive a call back. It was only the last customer service representative that I spoke to that was able to give me a little bit more direction than the others. I'm hoping things go more smoothly from here on out.

I have been happy with my experience.

Freedom debt relief is really helping me get my credit under control. I've faced some issues but their advance credit dept has done a great job...

If I wouldn't have gone thru this program, I would've been in worst financial shape ever with nowhere to turn. The program helped me so much to understand how I could start getting myself out of the mess I was in. Everyone was fantastic. I had no light at the end of the tunnel until I signed up with FDR. At first it was a little mind-boggling and with their help and working with me and creditors, I now have hope that my light is so much closer in sight.

FDR was a great help in helping my family and me get back on a financial footing. When banks that we had paid 10s of 1000.00 of dollars our 30years Rejected us when we asked for financial help.

Freedom Debt Relief have been professional and helpful. If I ever come across a question or problem, they make it easy to get the answers and address any problems that may arise. I am halfway through the program and I have been very pleased with the results so far.

I tried for over two years to pay off my debt. Then something would happen and I would have to pay it off again. I have gained a lot more discipline with money. I have become quite a saver!

Everyone was so helpful and kind. I am so glad that I didn't totally ignore that first phone call. Thank you all from the bottom of my heart. Thank you, thank you.

I am very satisfied with how my debt is being handled. I wish things would move faster but understand that it takes time. I am also very satisfied in the amounts that Freedom Debt Relief is able obtain for me. You know that Freedom Debt Relief is 100% on your side when they settle with a creditor. I would recommend Freedom Debt Relief to anyone that needs help.

I am on the fence with this company. They have negotiated 2 out of my 8 credit cards in 7 months, but I have read some of the horror stories of them not paying out the creditors. They offered a consolidation loan that I had become "eligible" for due to my diligence in making my monthly payment, but was not clear how much I would be paying and could possibly pay more a month if needed, so I declined. I am definitely going to try to get a confirmation of settlement from the creditors that they say they have negotiated with. I'll feel better about it when my creditor balance shows 0 and shows that Freedom is actually doing their job.

I was in a lot of financial trouble with nowhere to turn. I did some research and ended up with you. So far so good. - Thanks

The customer service is pretty good until you have to deal with the advanced team. I had gotten sued by one creditor and had 30 days to answer a summons for court. I was told they would send me an email in what turned out to be just almost a week before I had to answer the summons. I had written them twice asking them to send the email sooner as it was supposed to tell me what to expect or whatever, I wanted to be prepared. I never gotten a response from them until they sent the email a week before my court date. Good thing I decided to go it on my own.

I have paid into my FDR account every month but so far only 1 account has been settled. I hope to see more movement ASAP!

Very happy so far. I was hoping to be farther along with the other creditors by now. But satisfied overall.

I couldn't be happier. Freedom has actually given me the peace of mind to concentrate on the rest of my life. Thank you.

From the very beginning with a start of a phone call, I have been helped and made to feel it is going to be okay you're not alone. I have never been treated better and advised as we got into the program and being part of the process. Thank you, Freedom Financial.

Getting bills paid.

I am very pleased with Freedom. We were in a real bind and by chance heard of them on the radio in the car. Called immediately and are very pleased with their progress. They are easy to talk to with any questions we have along the way. Thank you Freedom.

I was somewhat apprehensive when I first started this program, however, this company has been a pleasure to work with. They are easy to communicate with and provide me with excellent service. They answer all my questions as well as resolving my financial issues. It is wonderful to see the light at the tunnel. Thank you Freedom Financial!

Freedom is always helpful, great company to work with, highly recommend them.

I signed up with Freedom and had 5 debtors. They began negotiating with two of them and did reach a settlement, which I am still paying. I was sued by another creditor and they negotiated a settlement with them but made sure I was charged for their fee first. They increased my payment to them for the next five months by $680 and that puts a tremendous financial strain on me, but they don't care at all. You can contact your creditors on your own and they will negotiate a settlement with you for no fee. I found that out way too late. Also, they are not accredited with the Better Business Bureau which is very disconcerting. Watch out!!

I am beginning to feel what it is like to be on the journey to freedom from debt.

What a weight that has been lifted off me. Freedom Debt Relief has been a God-send. In life things happen and it is nice to know that there are people and places that still care and are honest. Thank you so very much.

After being in the Freedom Debt Relief program for nine months, I am very pleased with the results that I am seeing thus far. Everything is going smoothly just as they said it would. I look forward to more progress being made in the near future. I highly recommend Freedom Debt Relief for anyone who experiencing difficulty in making their monthly credit card payments.

I've had excellent service with FDR. They were very helpful and understanding during a tough time. They were always able to answer my questions and were not pushy.

This is a wonderful way to becoming debt free. This system provides you with numerous advantages and options. I recommend this program highly.

We were in serious debt. All staff we have dealt with were kind and honest. Would recommend because the program is working for us. We can see a light at the end of a tunnel.

I checked the checking account a few minutes ago and there is $250 in the account now. I have a payment next week to the bank that Freedom Debt Relief set up for me. The arrangement was to pay the bank $1100. Freedom Debt relief is changing me $610. I am going to pay the bank and FDR but I will not be able to continue the program due to lack of funds. When I looked at my bank account a couple of days ago the balance was zero so I thought there would not be funds to pay the bank but I was wrong because my deposit had not cleared.

As I read some of the complaints on this website, I know that I am not the only one who has been taken advantage of by Freedom Debt Relief and Consolidation Plus. I filed this complaint Case # ** with the Better Business Bureau, but nothing came of it.

I got with freedom debt November 2009, paying $240.00 a month. I had 3 accounts, they claim to have settle one account for $533 but never seen proof of that. By August 2010, I was being sued by JP Morgan Chase. Freedom debt claimed they have been communicating but they wasn't. By January 2011, Chase offered a settlement to dismiss the debt without prejudice. All I had to do was sign the paper work. I faxed a copy to Freedom Debt and asked should I sign it because at the time I didn't know what "without prejudice meant'. They said no, do not sign paper from Chase; let us take care of that. By March 2011, I was in court and the lawyer looked at me crazy asking me "why you didn't sign it? The debt was being dismiss!" I said "Freedom told not too sign it and they will take care of it."

This is a bad company!!!!! STAY AWAY....They told me everything was fine and two month later, I found out that my accounts are late, they did not send the money to my creditors. They showed me transactions complete, but NOT CLEAR SO the creditor did not get that money!!! Where IS IT??? Crossroad Financial Tech (where FDR deposits your money) charges a lot for a bad service. I need to get out of this.. Please, work directly with your creditors, Do not trust Freedom Debt Relief.

Went into FDR with a large amount of debt. Was told that they could take care of it in 3 years at $610.00 per month. With my ok, I went forward with this. Everything was going great until the end. After the 3 years of paying out $610.00, my automatic with stopped so I figured that it was over and everything was settled. Five months later, I get a bill from a creditor for $17,000 saying that they haven't received pay since Sept 2013. When I called FDR about my problem, the lady told me everything would be taken care of. They will call me back to let me know. They never did so I called them and they started blaming me saying that I stopped the $610 a month payment, then proceed to drop me from their program without any help unless I send them $2,000 to restart the program. So now I am stuck with a $17,000 bill I have to figure out how to fix. And I was never warned about the taxes you have to pay on the settlements. PLEASE STAY FAR AWAY AS POSSIBLE....

You can do what FDR offers yourself! I enrolled in the FDR program for approximately 20k in debt. I ended up paying 10k (including fees) which is still significantly less than my debt but, everything they did, I could have done myself. I paid more in FDR fees that what my accounts settled for. They promised to work with the creditors to reach settlement offers. They did not do that. My creditors sent me the same settlement offers to FDR, so you can do this yourself and not pay the 21% in fees that they charge as well as additional monthly fees. One of my debts, I received a 1099-C which is a charge off by the creditor. FDR claimed they reached this settlement with their negotiations but in reality, my creditor just got tired and charged off the debt.

I enrolled $50k in the program. Bear in mind they charge you 21% on that total amount throughout the period that you are with them. So that's $10.5k. They paid off most of them at about 35% of original amount (one, Discover, was at 80%). So that's $17.5k. Plus you get a 1099 from the credit card companies for the discharged debt of which you pay tax (so say 30% fed income tax and say 7% of state income of the $32.5k of discharged = $12k you pay in tax). So altogether you pay $40k (instead of the original $50k -- I actually paid more since a higher tax bracket than 30% and I'm in a state where income tax is 12.3%). What does not make it worth it is the "fee" they charge!! I would've been better off just paying the total to the cards themselves and keeping my credit or negotiated with the cards myself which I did on $25k worth and got them down to $6.25k. You really don't need Freedom Fin. and when you're done, they make it EXTREMELY DIFFICULT to stop the debits on your checking account etc. Stay away from them.

I highly recommend everyone use Freedom if you are in debt. They resolved my debt before the projected time promised.

I joined FDR. I made all my payments on time. I started with a debt of $31000. After 36 months of payments they wanted me to join their sister company who in turn would loan me enough money to pay off the debt that was agreed upon with the credit card companies. After doing the math by joining them and paying their high interest rate it would have cost me over $39000 to pay off a $31000 debt. They settled with one of my credit cards. After they had an offer with Chase I made 19 payments out of 21 when they told me that Chase had pulled the account back and that they would need to wait until it went back into collections. In the meantime interest and late fees would be added. I talked to Chase myself and found out that they would stand by the agreement that was agreed upon. I only had to make 2 more payments and I was done. FDR never told me this.

I was drawn in by FDR's marketing and promises of COMPLETE competency with resolving my unsecured credit lines. FDR did NOT contact the creditors as promised and indicate an intent to settle. As a result I was sued by multiple creditors and received NO assistance from FDR. I finally had to declare bankruptcy to resolve all the issues that FDR had promised to resolve. FDR is a ripoff. You can accomplish more by directly contacting your creditors and negotiating a settlement. FDR takes your money and holds it in an account (collecting interest and deducting their fees) until they feel they have enough to settle one of your accounts. If a creditor gets tired of waiting, they can sue you and FDR will not be there to help... but will be there to take your money. FDR is taking advantage of people already in a difficult financial situation.

I started FDR in august of 2009, and paid 400 per month until present February 2014, YES almost 5 years!!! I have paid in over 19,000.00 to FDR, 5,000.00 of that amount was for customer fees. I settled only 5 of the 9 accounts I had with them. The remainder accounts were sent to me as 1099-C's So I had to claim 17000.00 on my tax return this year, yeah a huge hit in taxes! What really upset me was their lack of trying to negotiate debts in a timely manner. Basically my creditors gave up wanting to negotiate so they forgave the debt…. I could've filed bankruptcy for a few hundred dollar…. I wanted to pay back my debt but couldn't keep up with the rising APR's on my credit accounts. I feel somewhat lied to. They made sure to take all their "FEES" out first.. I paid 20% for my total amount owed in debt. Although they didn't try to settle 4 of my accounts they refuse to refund me the 20% on those accounts that were forgiven!! That amount is roughly $3400.00 I over paid for their services... I'm completely irate. I am allowing one last payment to them to satisfy the last account i have with them. After that point I will not allow them to take one more cent.

I have been back and forth on some of the same type of issues I see on this site. Been garnished, got that straight myself, sending them proof now to get status changed and sending proof on another account. Most of them treat you like you are a criminal, some are ok and helpful. I'm not good with names, I'm starting to keep a log of who I deal with and what they said and check to see if true because I told truth in everything on my end. I expect same token. Tried the Add_Delete@freedomdebtrelief.com I was told to go to let them know what I resolved to keep garnishments off me so I can make payments. Could not get there, would like for someone else to try and let me know if they could get there. Maybe something I'm not doing right. I will send them a letter tomorrow about accounts I have taken care of and let them know I am logging this.

After my complaint to the Better Business Bureau, about the fees and misrepresentation of my accounts, I was told to settle the complaint that my final account would be taken care of. I would no longer have to have any more draft amounts come out of my account. I had called to see the status of this account and I get told I have to come up with the money to settle this account. This is after the lady admitted to me that the customer service person misspoke, and she also said that I had enough in the account to pay off the account, at the time the customer service had told me. The other issue I have with this company is that I am being sued by one of my accounts. I was told that if I came up with 500.00 and they would speed the process to come up with a settlement. Well I got court papers and in and out of court, no thanks to the help of Debt Freedom Financial. They do like taking money for settling your accounts 25% of the settle amount so beware to who is going to use this service.

I happened to see a representative for Freedom Debt on the show Good Morning America and I felt if they was on a show like that they had to be reputable. I called them Sept 2010 and was finished with my plan Feb 2013. They represent those in debt in a way that no other can. They handle the creditors as well as legal threats. I can truly say I am very pleased with the outcome. I was close to $30,000 in debt and when I was done with the program I was completely debt free. Not owing a single creditor.

When I enrolled in this program I felt the world had been lifted off my shoulders and I would within two years be debt-free. Early into the program, I was sued by a creditor and after being told when I signed up the FDR would pay for my attorney to represent me in court, they told me that was MY responsibility. So in a panic to attempt a lawsuit, I withdrew my retirement to pay toward the debt program to expedite settlements. After providing them an additional 10,000.00 on top of the 6,000.00 that I had already paid in, and being told on four different occasions that all my accounts had been settled and I would be receiving about 70.00 in return/overage that I had paid in, when I called to cancel and get out of the program, they now tell me I owe them 3000.00 more dollars.

I have been with FDR for 2 years now. I had 6 accounts with a total of $16,000 in debt. In 2 years they have only gotten it down to 50%, so if you're looking for a quick turnaround time you will have to pour a lot of money at them. They don't tell you which debt they will work on first until it's already ready to be resolved, which can be good and bad. You don't get periodic updates about accounts and payments unless you miss one ;). The site information is not always updated and is very vague when it comes to where your account status really is. All in all I can say that it stops the annoying creditor calls and you can have a set payment for a while. But if you are not credit savvy and have no time to waste, I would suggest shopping around before making a decision to use them. Slow but effective.

I have a 3 to 4 year plan with them. I'm a year in and they settled 2 accounts. They’re actually making payments on them. The one they’re making same payment amount I was but for a lesser final amount owed, same with the other one. I was just issued papers to be sued on one account and just called and settled it myself. One of the accounts stated above that they took care of I was going to be sued by also. Reading the bad reviews have me worried now. Has anybody ever called and just canceled the program?? The 2 accounts they are working with I could just call and take them back over myself. So far it hasn't been bad experience. Just doesn't seem with what I'm paying it will work out in the end.

I signed up for a 3-year debt relief program and it was really a wonderful experience. Freedom did exactly as they said they would and settled 4 large debts that I had. Anytime I had a question, they were very helpful on the phone and always very pleasant. It was actually a wonderful experience.

Remember the saying that if something sounds too good to be true it's beware. Like most people the economic system of this time has caused a lot of good people in very poor financial straits. I was referred to FDR by a "friend". There is a big difference between marketing and customer service. Marketing (Sales Reps). Marketing will tell you anything except the pitfalls of the plan. Then when something doesn't work right Customer Service is right there on the phone explaining where you went wrong. It doesn't matter that you were not told the whole story of the plan. These reps seemed to be reading from a script and not listening to anything that you as a customer have to say. There are quite a few good reviews for FDR and I am very glad to know that some people have been greatly helped. I find myself in worse financial straits than before. Final words, please make sure you understand completely what you are getting yourself involved in before agreeing to have them represent you.

I am happy that I do not owe any organization right now. Thanks to FDR. It wasn't a very easy path but I am happy and relieved that I went through and it's over with. I did have my reservations about some of the customer service personnel I speak to during the course of the period I was enrolled in the program. Some of them make you think that you need them more than they need you and if you don't like it, you're doomed on top of your "sorry situation" in which you already are. No, no one said that to me directly but that is how I felt speaking to at least a few.

I have been with this company for years now. I have never missed or been late on a payment. When you join this company, you pay them a large fee to negotiate settlements for you. They are supposed to contact you when settlements have been made and update the website where it shows you the amount you have in your account, resolved and active negotiations, and your progress in becoming debt free. This information is not updated monthly, the amounts of savings, debts remaining, and even resolutions have not been accurate on my account.

I joined this program in 2009 to try and resolve our debt - we went in with $12,000 in debt and came out with $27,000 in debt. Two accounts were settled- (which we had to pay IRS fees on as income and we were actually having our wages garnished for a few of these creditors.) They just took our money and only contacted one of our creditors in 18 months. I would like a full refund of any monies paid as we had to pay 2000 dollars to file bankruptcy anyways and it ruined our credit. I did contact the companies on our so-called account with Freedom Debt Relief and at the time we cancelled account. Not one had been contacted by them except one. I feel this was a scam. I did contact Freedom Financial directly and they said they would look into but I really hope to be refunded.

We were enrolled in FDR's for 15 months. I had 8 accounts to settle. They settled 4 of them, and I settle the other 4 on my own and save a lot of money in settlement fees. I've got 6 more payments to pay on my last settlement. Yes FDR started me on the road to getting out of bad debt. Now I’m trying to repair my credit for not calling my credits myself. And no delaying payments to them. The 30, 60, 90, 120 day lates are a lot of red flags on my credit reports. That are a lot harder to get off of them than paying the credit cards off.

The program is way too long. Takes them years to get a deal done. They just wait and wait till payments have not been made for over a year and then they get one settled every blue moon! Customer service is a joke. You cannot even speak to anybody who tries to make the settlements for you with the credit card companies. I would never endorse you guys and never should have used you in the first place. I had to get angry with the last customer service agent to get something to happen. It said my last company was settled in an e-mail to me and then it was not settled. I chewed this guy out and lo and behold, it was settled shortly later.

Working with Freedom Debt Relief was the best thing I could have done. I owed so much on my credit cards and if it wasn't for this fabulous company, I would still be in debt... I couldn't have asked for a more compassionate and caring company to guide me to this new found debt freedom! I am always trying to pass the word on about this company and I will continue to do so with anyone that needs help. When dealing with debt, it can be very confusing, annoying and difficult to deal with, but this company is always there for you... from beginning to end!

I was very pleased with Freedom Debt Relief. They set a payment plan that was affordable for me. Freedom did all the negotiating for me. Freedom Debt Relief helped with my debt. I was really satisfied with the service. They helped by negotiating my debt and nearly cutting it in half. Freedom was very helpful getting me to get debt free. I would use it again if I was ever to get in debt again. Very pleased and satisfied with the service they provided!

They did not negotiate my debts. One person would say that they had an agreement and were waiting on paperwork. The next would say that they didn't. I was sued by a creditor and they basically said oh well, but they could set me up with a lawyer for an additional $500.00. Now I am at risk of losing everything I had to pay off this debt because Freedom did NOTHING for me, except take ALL my accounts and make them 3 months past due when most of them were current!! I asked to close my account and they kept it active and kept taking my money and their fees. Filing bankruptcy now to try and save my home and personal belongs.

From the beginning when we joined the program, we were committed to get out of debt. It was a struggle. Even with the reduced amount we were paying, it was difficult. We had to remember to stay frugal and keep on our goal. When we needed help, we called. The people on the other end of the phone always had the right answer. We were kept informed about pay-offs and we met our goal in about 4 years. After more than a year now, we are still out of debt. We have a credit card but use it careful and keep balance down or at zero. Thanks for all you did in working with our creditors and getting us where we are today.

I went through and followed the Freedom Debt Relief program back in 2007. With the combination of their excellent program along with the amazing communication and guidance from their team, I was debt free in under a year! Freedom Debt Relief delivered on their promise! Thank you so much and keep up the great work!

I have been enrolled in the program for 43 months and there is no end in sight. It was supposed to be finished in May 2012 and no one can give me a reason why one account's settlement fell through. I only had two accounts to start with. I have made repeated calls and was told the account would "be escalated" which promised a call back within 2 business days. Seven weeks later, no return call. I have made timely payments for 43 months, which is ironic because these payments do not count with the credit bureaus and improve my credit score. I should have taken care of it myself. I paid Freedom a huge fee up front for very poor customer service and very little else in return.

First of all, the offers to be accepted were awesome. The process was way too long, when they told me it would be the end of what it was supposed to be, but extending the time was not good. In the end, it was worth it because my debt is free and I ended up having a new condo after taking a year to build my credit.

Back in November 2012, I called Freedom Debt Relief to set up payments. On March 7, I received a settlement offer for my card. On March 8, they recovered another settlement offer agreement. I found out that they backed out of one agreement. On May 2, I called them up to ask why there was no payment made on one account. They gave me a check number, but Capital One had no record of it. I kept calling back for one week, and they never gave me an answer why there was no payment. On May 10, I called to get out of the program. I called Capital One and six other accounts. They gave me the same deal that they gave Freedom Debt, which was 50 percent off balance. I called Citibank and I owed $11,000 on the account. They settled with me for $2,600. That would have been freedom debt settlement that they get before payment is made. They get 23% of your balance.

I had a good experience with Freedom Debt Relief. They were very helpful, extremely understanding and kind. This process can be very frustrating and the people at Freedom Debt Relief were patient and gave great guidance. When creditors were harassing me, they calmed my nerves and helped me deal with the credit calls. I could not have become debt-free without this program and the people at Freedom Debt Relief.

Overall, I'd recommend Freedom Debt Relief. They did exactly what they said they would do, that is, set up a program to eradicate my debt in 36 months while handling the communication with my creditors. What I found out after I completed the program is that my credit worthiness was restored rather quickly. That's an important thing to share with those considering debt solutions. If there is one thing that could have improved my experience, it would be communication related to milestones achieved during the program. For example, when I learned one of my creditors was near settlement, I asked when to expect another creditor to do the same. To my surprise, the other creditor in question had already settled. I hadn't been made aware of that. Besides this example, I was left to figure out some nuances during the course of the program that I felt should have been explained to me. In the end, however, the program was effective and worked very well for me. I'm glad I chose this course of action for my credit debt problems.

Thank you for helping me become debt free! I owe nothing now but lost my home in a short sale. I am starting to build my credit and life is much easier without the debt. Chase was difficult... They would not work with you and I had to go to court. In the end, it all worked out.

I just like to tell everyone it works. It takes time and understanding that it will be all over in months. Don't ever panic because everyone at Freedom Debt Relief is there for as long as it takes. I went through the program in 14 months, and now it feels great to have that burden off my shoulders. Thank you, Freedom Debt Relief. Now I'm really free and will never go back.

I had about $26,000 in debt and I paid about a third of it through payments in about 3 years' time. I am very happy with the service and would highly recommend it. The service was always there when I needed them and they worked to resolve my debts. There was one last debt I was getting ready to go to court to settle. The service worked with the bank and they cancelled the debt. The only thing I had trouble with was several of the debts that were paid off were turned into the IRS and I had to pay a good bit of income tax on them. That was difficult. The service fee I paid them was worth every penny. I am now debt-free.

This company saved my life and my credit. My credit cards had such big finance charges I would never have been able to keep up. They put me on a payment plan. Slowly, with their help, one by one settled for an amount that I could pay back. I know you have to pay Debt Relief their charges first, but it's worth it. If you stick with them, be patient, make your payments on time; they do a great job. If you have a question, they are quick to help. Best thing I ever did was to give them a call. Love them. They will help you.

I am a very happy graduate of Freedom Debt Relief. The customer service was excellent. They helped me eliminate over 80% of my credit card debt as promised. The target time frame was 24 months and 24 months later, I was almost credit card debt-free. I would recommend them to anyone.

After I initially contacted Freedom Debt Relief, family members told me it was a terrible idea and would ruin my credit. So when the rep called me, I was frosty and hung up. He called back 3 times because he knew I was in trouble. The last time he asked me to just listen to him, and I realized he was right and I was wrong. My high credit rate was not going to help me because I had so many credit cards - all I did was just pay the minimum. I was going in a circle to nowhere. I signed on and Freedom Debt Relief guided me back from debt.

If I could go back in time, I wouldn't do anything different when it comes to choosing Freedom Debt Relief to help me take care of the credit card debt left by my ex-husband. They were always so kind and helpful with all my needs and questions. One time, a debt collector was being very rude and mean to me, had me almost in tears... and one of your representatives got on the phone with us, and totally took over the conversation for me. I really appreciated it. Thank you so much!

My wife had suggested that I look into Freedom Debt Relief. After researching, we decided to give them a try as nothing we were doing was working with our creditors. We had a wonderful experience with this company and were amazed at the wonderful customer service we received. The staff were patient and answered all of our questions. We also had to work with the legal team and they were stellar in their experience and advice. We are so thankful for the help we received from Freedom Debt Relief in helping us clear up our debt.

Freedom Debt helped me in a way that I couldn't have imagined. I never could have done this on my own. They made it simple, comforting and worry-free. Their tips have helped me stay debt-free long after I have finished with their services. Thank you for giving me my life back!

I came to Freedom Financial in 2008. The economy was doing badly, and I had over $71,000 in credit card debt owed to 4 different accounts. Within 8 months, I had received an email of congratulations for my first account being settled for approximately 64% of its value. The next account was more aggressive, and about 6 months after my first settlement, I was being threatened with being dragged into court. I was even served papers. Your company was unable to help. At the time, I felt this was a failure on your part as I was looking to your company for help in my financial strife. As time went on, I learned that you are limited by laws in what you can do. What was a failure, however, was your lack of ability to give me advice or knowledge in regards to events like this. A little pre-warning and preparation could have prevented lots of problems for me. As it was, I was forced to get a loan in order to pay off the second account and stay out of court... At this point, your company began to fail even more in my case in regards to customer service.

I just got an email this week congratulating me for finishing the program, the one I finished 5 years ago... They tell you to quit making payments to creditors, you fall delinquent (which I already was). They set up an account for you in which you deposit funds where part of the funds is a fee for them, then they haggle with the creditors on how much you can pay. All of my accounts except 1, started at 7k and ended at 13k. I was taken to court, sued, and FDR did not help me. I was on my own. Then a few months ago, I got a letter for a class action lawsuit stating that FDR is wrongfully collecting fees. Don't use them.

I thought this service would help me in the long run, but it has done nothing but hurt my credit. I was in a bad place and needed help financially. WRONG place to have gone to. I would never recommend you to anyone needing help. I do know that I will not make a difference in your services.

The long-term costs involved with participating in a program with Freedom Debt Relief are not justified. Becoming involved with other banks and financial entities that were required as part of the program presented a lot of hidden costs. But by far, the worst is the lack of information about charged-off amounts being reported as income on a 1099-C, and then being forced to pay about 50% tax to State and Federal on those amounts. The charged-off amounts were mostly for late fees, penalties, and interest that were charged 'after' becoming a program member, and could have been avoided by settling outstanding balances sooner. When asking FDR for assistance with all of the additional taxes from the 1099-C's (which I never saw because the forms were sent to FDR), I was told I would have to start a new program and pay even more money to FDR. I am sorry to say this but I looked to FDR to help me out of a difficult situation and instead, I feel like I was just taken advantage of.

I contacted FDR today and was highly dissatisfied when I found out that they are exceeding the 21% settlement fee as promised. Although the fee will balance in the end to equal 21%, they are YTD at 58% going to FDR fees instead of the settle to the debtor which is only at 42% of total payments. They have depleted all funds deposited made into the reserve savings account with crossroads to pay their fees first. By depleting the account and taking more than the 21% as agreed, they have been a contributing factor in jeopardizing the payment of the settlement to the debtor. As a debt management company, they should maintain enough funds in the reserve savings account to ensure the next payment on the settlement is able to be made on time.

Working with Freedom Debt was overall not too bad. They did cut our monthly payment from $600 a month to $200, which helped us get caught up after a very hard year with family situations. The only downfall for us is one of the creditors that were submitted to the program, who we were told not to talk with and to stop paying, ended up taking us to court! So after the first 3 months, we were back to paying $400 a month total since we were paying Freedom and then also the judgment against us, which is still on my husband's credit report. The other creditors dealt with the program much better. Overall, we were mostly satisfied.

Thanks to Freedom Debt Relief, I am debt-free! They were always just a phone call away and was always friendly and helpful. My debt was not only completed in the time frame they suggested, but was complete a month before the estimate date. They also will put a chart on the computer for you to follow to see which creditor was completed. Give your debts to them and they take the problems of all the creditors calling you and a monthly amount according to your budget a month, so you are able to feel some type of relief while going through this process. They are A+ in my world.

We are so thankful that Freedom has helped us. The economy got bad and when you just bring in so much money a month, you can only pay what you can. I did not want to just not pay my bills because I did not think it would be fair. So I wanted to try and pay what I could but did not know how to do it and people would call and demand their money. We talked to Freedom. They stopped the phone calls and in three years that saved us over fifty percent of what we owed and was done with the program. I would recommend them to anybody. Thanks for everything.

Freedom Debt Relief has given me my life back. Before them I was sad and depressed, living week to week and month to month. At 24 months later, I am completely debt-free. It would have taken me 10 years to do what they did in 2 years. I hope you can give someone else their life back also.

I followed the program, eliminated debt without bankruptcy, now I am fully credit-worthy again. I definitely would recommend Freedom for anyone looking to reduce/eliminate credit card debt. It's easy to work with and the results are no debt, no stress. I am more than happy that I chose Freedom from Debt to help me resolve my debt issues.

I was extremely happy with the professional, caring Customer Service representatives. They were always very considerate and helpful with all my questions. Once the program was in place, making one monthly payment to Freedom made things a lot easier to control. It was exciting to see my accounts being paid off one by one. I had one small glitch that was handled promptly with little or no follow-up. Glad to say I am debt-free for the last 3 years!

My friend suggested to check out Freedom Debt and it was the best thing I ever did. I was choking in $49,000 of debt. They gave me an affordable monthly payment plan and 30 months later after paying off $25,000 ($4,000 was f.d. Fee), I'm happy to be debt free and within 6 months I had American Express giving me a card. Absolutely the best decision I have ever made!!

I am very satisfied with the treatment I received from Freedom Debt Relief. It was a great comfort for me to be "insulated' from my past creditors through the professional reputation that comes with being a client of FDR. Even in the face of a lawsuit by one persistent creditor, the fact that I was successfully dealing with all other creditors was a swaying factor in the case being dropped, and the debt being satisfactorily satisfied.

I was not sure how the program worked at first and was worried. After completion, I'm satisfied with results and my wife's is now in the process. She is also worried about the outcome. I do tell her to wait and stay on course; it will get done. Thanks for your help. I could not have done this without y'all.

I was getting bad credit until I went with this program and they helped me to get my life back and get good credit again. Now, I just bought my son a new car and I'm trying to get a house. I do recommend this program to anybody trying to get their life back and their dreams. Give Freedom Debt Relief a call now and get your life back.

They did what they promised. They were clear from the very beginning as to what actions I needed to take to get my financial house in order. Now six months after completing the program, I am paying all my credit card bills in full each month for the first time in ten years. Thank you, Freedom Financial!

Service I received when I called in was fair. However, it was very hard to determine when the payments would be final and when the final settlements were reached. They were also late in getting me statements for taxes for the amount written off, which required me to pay in more after the fact. Also, the impact to my credit was more than I was originally led to believe.

My debt was created because my husband became very sick and insurance didn't cover all costs. I tried to make payments and was doing okay until I made one credit card payment 10 minutes late and the interest rate went sky-high! They would not negotiate with me. I called Freedom Debt Relief and I'm so glad I did. They took over and no more phone calls from creditors. My stress level went way down and I only had one small payment to make each month. I could concentrate on work and my husband's health. I'm not at all sorry I did this. My credit is already improving. We've bought a home in Montana and are getting ready to retire. Thank you so much, Freedom Debt Relief!

I was glad to have gotten my debts paid. But Freedom Financial caused me more stress than I was already under. My first settlement was paid late, hence sent back from the creditor, and I had to pay $800 more to settle on the debt. Freedom did nothing to help with this cost! This was Freedom's mistake, NOT mine! There were several other issues with my accounts. During my enrollment with Freedom, I came into a small sum of money. I paid Freedom a $12,000 chunk of money to help settle my debts and it was such a headache dealing with customer care people that didn't even know how to answer my questions or they didn't know what they were doing. I even had a care rep yell at me and he was very rude during the call.

This is to inform you about the horrible services or lack thereof from Freedom Debt Relief. They misrepresented my account and were negligent in following through to resolve my last and final debt. Also in reviewing and investigating this matter, it appears that one of their representatives fraudulently forged my husband's signature on a section of the contract. Since I have brought this information to their attention, they have done nothing to resolve this matter. They have not answered any of my questions to my satisfaction. They have also not provided me supporting documents or information to disprove my allegations. In March 2010, we went to Freedom Debt Relief for assistance. My husband experienced a partial layoff and we had a serious family illness. Unfortunately, that was all it took to create a financial crisis for our family.

Freedom Debt eliminates the stress, fear, and hassle of trying to deal with overdue debts. They make it easy for you to pay off your debts with a single, affordable monthly payment. If you have trouble making a payment, they do all they can to help, including reminding you of your priorities in terms of getting out from under your debt. Thinking a car repair or another emergency expense is more important than your monthly bills is what gets many of us into debt in the first place. Freedom Debt counselors are very friendly and understanding as they help you to find a way to navigate these, and other issues, on your path to debt freedom. I'd recommend them to anyone.