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Freedom Debt Relief
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Freedom Debt Relief

 4.4/5 (3787 ratings)
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Freedom Debt Relief

About Freedom Debt Relief

Freedom Debt Relief is a nationwide debt relief company that provides debt settlement services and education. The company requires applicants to have at least $15,000 of unsecured debt. Its fees vary by location and range from 15% to 25%. Though user credit suffers in the short term, Freedom Debt Relief’s 2020 study found that most customers saw credit score recovery in 24 to 45 months.

    Overall Satisfaction Rating

    • 5 stars
    • 4 stars
    • 3 stars
    • 2 stars
    • 1 stars

    Pros

    • No fees until settlement is reached
    • Successful track record
    • Works with high debt amounts
    • Long-term credit recovery

    Cons

    • Fees up to 25% of settlement amount
    • Short-term impact on credit

    Bottom Line

    Freedom Debt Relief is a good match for those with $15,000 or more in debt. Although its fees can range up to 25% of the settlement amount, it won’t charge these fees until some of your debt is settled.

    Freedom Debt Relief Reviews

    Over 25k reviews since 2012
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    Page 864 Reviews 25865 - 25895
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    Well, the program "works" as long as you can make it through the whole process. However, if you encounter any issues along the way, it will make your life miserable. Freedom Debt Relief is terrible with details. They will miss most of them and I assure you, it is to your detriment. I had a specific issue where a collector did not take the 1st of 14 payments but took 2-14, and Freedom Debt Relief's only suggestion to me was to re-negotiate the new balance minus the payments I had sent in for 14 months. Freedom Debt Relief has never finished the process with me, although I believe I have been finished with the program for years.

    Freedom Debt Relief had no intention of stop drawing money out of my account. At the end, I had to close the account to get them to stop. I have no clue where Freedom Debt Relief has put my escrow balance. I called a total of 15 times over a period of 6 months; I do not think they know where it is either. In short, the program works, but do not expect Freedom Debt Relief to act as your friend, partner, etc. They will cause you misery as you go. I am pretty sure you can do this whole program without them. If I had to do it over, I would give it a go without them - far less hassle and you can work with a person you can trust, yourself.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I have been debt free for about five years. Contacting FDR was the best thing I have ever done. They got the creditors to stop calling and by following their advice and payment schedule, I was out of debt (totally) in 25 months. I would recommend them to anyone that is serious about getting out of debt.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I was very satisfied with Freedom Debt Relief's service. I was WAY over my head in Credit card debt. Customer Service was very nice to work with. They helped me get out of debt and get back to having good credit. Thanks, FDR, for all your help! I have recommended you to others as well.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I am not happy at all. You totally lied you did get the amount owed reduced, but they turned me into IRS and I was responsible for the difference plus all the money I paid you. Your advisors said oh they rarely submit to IRS for difference. That's a load of crap. As far as I can see, you should negotiate this stuff yourself and I could have used all the money I paid you upfront to put towards the taxes. What a waste of time and money you were. I tell everyone not to use you and neg themselves. I have blogged you on every site I found.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    Thanks to Freedom Debt Relief, I am currently debt free. Moreover, my experience has enabled me to become a savvier consumer and financially secure. FDR was with me during a very fragile time of my life and assisted me in the debt solution process with precision, fairness, and perseverance. They help me gain my confidence and take hold of my financial future.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I can't describe how grateful I am to Freedom Debt Relief. They truly turned my life around. I struggled every month to pay my bills but didn't seem to get ahead. Then I found FDR and now I am debt free. I will never be a slave to a credit card again. Now that's FREEDOM.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I was in a difficult situation, falling short on my payments with three credit cards. The late payment was pilling up. I tried to make a deal with the credit cards but I was unsuccessful so someone told me about Freedom. Freedom was very helpful to me. We had a contract. We both keep our end of the contract, and I was very satisfied with the result. I will recommend Freedom to anyone.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I worked with Freedom Debt Relief and was a little hesitant to begin the consolidation process. I had never missed a payment before, but even though I was sending a very high monthly payment to try to pay down my debt, it wasn't working. I weighed the pros and cons and decided that if I was serious about getting out of debt, then I needed help. It was a little stressful to receive calls from creditors, but being able to give Freedom's info helped. Knowing that I was doing something was better than feeling like I was never going to get out of debt.

    I began putting the high monthly payment into my Freedom account and was able to finish the program even faster than the 3-year time estimate they had given me. I liked that there was flexibility in being able to pay more than my monthly minimum and also being able to change dates, etc. Also, because I was putting additional money into the account, I had more in there than what my settlement actually ended up being. Freedom returned the extra money in a timely manner and I had no issues with getting the automatic withdrawal to stop after I completed the program. There was no runaround during any point in the process.

    I was very pleased with Freedom and as long as you know what to expect with debt settlement (creditor calls, temporarily lowering your rate scores, etc.), then I recommend that you "walk through the fire" to get yourself out of debt. I'm happy to say that I don't use credit cards anymore and I definitely owe that to Freedom Debt Relief.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    One of my American Express credit cards was not resolved. It went to collection agencies from one to another and then the court and when I asked about the fees, they simply said "cannot reimburse due to company policy". Currently, it's still in collection but my account is closed with Freedom Financial!!

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    When I decided to call Freedom Financial, I was behind all the time. Credit card companies were charging high interest rates and if you were late, they charged you even more. I felt that they didn't really care about me one way or another. They were just costing me more and more and I was never going to be debt free if I didn't do something. That's when I decided to call Freedom Financial. The rest is now history; it took me 3 years to work through my debt but with the help of Freedom, I was able to become debt free. It has lifted a tremendous weight off my shoulders. Thank you, Freedom Financial.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    The whole process at Freedom Debt Relief was conducted on a very high professional manner. At any time I needed a question answered, all I had to do was make the call and they were always there for me. From start to finish, I would recommend Freedom Debt Relief... There are a lot of options out there, just make this one call. Thank you.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    Freedom did a superb job for me and I am much better off for having gone through the program they so deftly operated. I was hesitant and scared - but this is a super answer to financial problems. I would strongly advise people to check the Freedom Debt Relief program out. It pays down debt quickly and puts years back on your life by eliminating worry. The person who explained the program was most thorough and answered every question I have. Subsequent follow up was more than adequate at all times - and sometimes truly excellent.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    They did a fabulous job and in two years paid off three high balance Credit Cards at around 40% of what I owed and so much for the CC Co. raising my interest to 30% plus. I would highly recommend Freedom for any help needed to get relief from CC debt. If I had it to do over again, I would not hesitate.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I paid FDR close to $7,000 and your company didn't settle anything for us. One company just sent us a 10-99 for taxes and wrote off the debt. Two other companies sued us and FDR settled both at 100%. So again, they didn't do anything to help us. They had no problem taking the money and were supposed to give us back money for not meeting their settlement agreement promise. I could have done what they did because they did nothing for us. I ended up filing bankruptcy after the mess FDR left us in, not to mention $7,000 poorer. They are not a good company and will steal your money. Good luck getting any of it back. Bankruptcy cost less than half of FDR's prices for doing nothing. Terrible company, don't fall for it.

    3 people found this review helpful
    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I am grateful that Freedom Debt Relief helped me out of debt. A few suggestions when you are going through the process of getting out of debt: Learn the system. Pay as much as possible in the beginning. Pay above the monthly payment. I wished I would have paid it off earlier. Visit your online account, both Freedom Debt Relief and the participating Global Bank. Lastly, stay on top of your paperwork and do not assume anything. I would like to touch on the pay off earlier suggestion. Your credit cards can still accrue interest before they are settled. If you are consistent managing your account, your experience will be less stressful.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I was very pleased with the service that I received during my time on the program. I was informed on everything that was taking place from start to finish. Without this program, I would still be struggling to get my life back on track. I can truly say that now I'm in a better place financially and looking forward to living worry free of credit card bills.

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    You forgot to tell me that even if you knock down the full payment due... the IRS was coming after me with the balance due to the creditors. Had I known, I would have stayed with the creditors. I had to borrow money from friends and the bank to pay the IRS.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    Freedom Debt Relief worked with me when I had a better offer from one of my credit cards than Freedom Debt Relief could offer. One day, I was checking my account and discovered that my debt was paid off. I called them and immediately they took action to close out my account. Three years sounds like a long time but it went by quickly. I currently have no credit cards and if I want something, I pay cash.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I was getting a headache... trying to pay my credit card off. No matter how hard I try, it wasn't going down. Freedom Debt Relief came and helped me pay off my credit and not only help me pay them off, they also showed me how to handle my money better. It was very hard the first three months but then you don't miss the money. They're out to help pay the cards off... but now I feel a whole lot better because I am not in debt and I want to thank you for helping me get out of debt.

    Be the first one to find this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I had a great experience with Freedom Debt Relief. I enjoyed their friendliness and they make you feel like you can talk with them anytime and tell them anything. They are there to help you and the payment plan was something I could handle on a bi-weekly arrangement. If I get in another situation like the one I was in (I hope I don't), I would definitely call them.

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    I found out that it’s cheaper if you do it yourself. If you have the number to the credit card company, call them and make a settlement without Freedom Financial (FF). I had a Discover card that would not deal with third party companies so I had to negotiate with them by myself. Although I did all of the negotiation, I still had to pay FF a percentage of the settlement. I had a Chase card that I was able to settle for less than what FF could and again, I still had to pay them a percentage. The only card they MAYBE helped with was Bank of America but at the tie Bank of America was required to settle at a certain percentage by the US Government. So to sum up again... do it yourself and save thousands of dollars.

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    We paid our balance off in full, and it took over a year to get account resolved and closed resulting in more added fees. Plus, we called month after month and were given the runaround. Not very satisfied. I definitely wouldn't recommend this company to anyone. They want you to do your part in the agreement but don’t want to do theirs.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    My husband and I were in WAY over our heads - new house, excessive spending, and too much credit card debt. (-in the neighborhood of 60K) With the downturn on employment, some family issues and the housing market we were really strapped to make ends meet. We looked into the usual solutions, none of which really could help. Then we discovered Freedom Financial. They were really helpful and didn't make us feel like second or third class citizens. Sure, it sucked big time committing to almost $1,000 month nut going to their account, but we resolved our credit card issues within three years (9 months earlier than our contract estimated!). I don't remember the exact amount of money they helped us save, but it had to be close to $40K! I'd recommend their services to anyone who currently finds themselves in credit crisis.

    Be the first one to find this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 4, 2013

    My experience with Freedom Debt Relief was great, convenient and in the end, I had saved so much money. They allowed me to get back on track and taught me how to get back to managing my finances. Debt doesn't have to control your life. Take action and get relief with Freedom Debt Relief.

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: June 2, 2013

    I initially signed up for a 24-month program. Now, it is 32 months; I have more than enough money in a special designated account with one remaining credit card account outstanding. I called twice every month to ask them why they are not doing anything on this account. I got all types of crazy answers from the customer services rep. My remaining balance is only $3200 and I have close to $4000 in a special designated account with Global Client Solution. Yet, Freedom Debt Relief still hangs me dry on this matter.

    Be the first one to find this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: May 19, 2013

    I have been enrolled in this program for over 11 months with just over $12k in debt and not only have the negotiations seemingly gone nowhere, but I cannot connect with the negotiators or a competent customer service rep to weigh my options. Additionally, despite reporting changes in my debt collector status, the debt collector FDR is negotiating with never changes in my account dashboard. I would have been much better off negotiating with my creditors directly than letting FDR do this for me. I am completely unsatisfied with this service. Do not use Freedom Financial, Freedom Debt Relief or whatever it is called. Find another agency or do the legwork yourself. I am finding that creditors are more than willing to work with you to resolve your debts in an affordable and timely manner. Beware of this service.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 7, 2013

    It took 4 years but we finished the program. They don't warn you properly about everything that can happen to you. I got sued twice and judgments placed against me and liens on my house. I had to borrow money from everyone to clear up the judgments so my bank accounts were not frozen. They eventually sorted it out but 3 years later, I'm battling getting my credit report correct. They say they will get you settlement letters when your debt is settled. All I received were settlement offer letters. Nothing that said the debts were settled.

    When I called Freedom Debt Relief to request the paid letters, they said I had to call myself and get the letters. What did I pay them $15,000 for? I think bankruptcy would have been much better that the nightmare I went through with them. They are also rude and it takes an act of congress to get problems corrected when they happen. I would not recommend them to anyone at all! My lesson learned is that if I can't pay cash for something, I just don't buy it. I will never let myself have a credit card again.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 4, 2013

    I will start by saying, what a headache I have been through! A one-time draft to pay off a creditor has turned into a nightmare! My bank informed me that I was being charged fees because GCS was trying to remove funds twice. FDR said this has never happened before and it was GCS' fault. Then GCS said it was FDR's fault. So no one wants to take the fault. Okay, fine. In the meantime, I am just trying to pay off this last creditor to get out of this program. In the beginning, my husband and I could not have been more pleased. Now in the end, it has turned into a nightmare for us.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 22, 2013

    Well, I was told when I sign on with Freedom Debt that all my credit will be cleared in 38 months. It has been 5 years now and my credit had not cleared. I do not hear anything from them. I have to call every month when they take money from my checking and ask when it will be over. They all have the same line of "We are trying." Well, I could try and deal with the credit company and I would have been done by now. I do not trust this company much and I am going to file a report to the Business Bureau about this. I will tell everyone I know and post it on Facebook. People do not need to deal with such company. We had enough.

    6 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: March 21, 2013

    In 2008, I joined FDR to assist with debt after a divorce. I was never updated as to what they were doing and one of my cases settled without my knowledge. Then I received a letter from the IRS stating I owed money because I had not claimed the amount settled. Then in March of 2013, I received a notice from the creditor that was emailed to me via FDR with no explanation indicating that the creditor was writing off my debt. I had less than $1,000 to go before the original amount of the debt was paid off! I asked them what negotiations had been done and they said none. Within 2 minutes, I got an email congratulating me because they had settled the second debt for half!

    I was on the phone with a rep at the time and asked what this was about. She said, "Oh that's an automatic email when we have write offs. Disregard it." So I said, "Oh, so you send these out as a lie?" She said yes. Meanwhile, I have over $12k in their account. I filled out my paperwork to get it back and after 10 days, if appropriate, they will send my money back. This business is a crock. I will tell everyone not to use them. They take your money with no problem but do absolutely nothing for you. I could have had this settled and done years ago. If you need help with debt, talk to the creditors themselves; they are willing, but not this fly by night company who ran their business in CA for 7 years with no license!

    8 people found this review helpful
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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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