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Freedom Debt Relief

Freedom Debt Relief

Name: Freedom Debt Relief
Rating: 4.7

4.7

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15,022 User Reviews

7.7

Overall Score

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4.7

star star star star star_half

15,022 User Reviews

7.7

Overall Score

Visit Site

The Good

The Bad

Bottom Line

Reviews

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Company Details

Lowest Cost

% of enrolled debt

Undisclosed

Minimum Debt Requirement

$7, 500

Services Offered

Debt Settlement, Free Consultation

Accreditations

AFCC, IAPDA

Is Nonprofit

Time in Business

24 Years

Company Headquarters

2114 E Rio Salado Pkwy Tempe, AZ 85281

Number of Reviews 15,022

info Source of Information

Author: Jenna Vasquez

LAST UPDATED: April 19th, 2022

Freedom Debt Relief, a subsidiary of Freedom Financial Network, has resolved billions in consumer debt since its founding in 2002.

The company has considerable industry experience and high client satisfaction ratings.

With all the major industry accreditations, Freedom Debt Relief (FDR) is a great option for many consumers. Its minimum debt requirement is $7,500. Freedom Debt Relief accepts clients dealing with financial hardship that meet this threshold and clients that can make regular payments to an account to pay for settlements. Freedom Debt Relief employs professional debt experts to negotiate and settle debt for those suffering financial hardship.

The company offers a debt settlement program that involves negotiating with creditors to lower total debt owed and is available in 41 states. It does not, however, offer debt management plans or credit counseling for those not interested in debt settlement, as Freedom Debt Relief is a debt settlement company.

On average, Freedom Debt Relief charges 22 percent of your total enrolled debt, which means the cost varies depending on your financial situation. To settle a $20,000 debt, it will cost around $4,000.

View Freedom Debt Relief reviews below.

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The Good

Excellent Settlement Program and Debt Relief Services
Experience and Accreditations
Great Freedom Debt Relief Reviews
Online Dashboard
No Fees Charged Until After Debt Is Settled

Excellent Settlement Program and Debt Relief Services

As a leading debt settlement company, Freedom Debt Relief has several great advantages to its debt settlement services, including

Low minimum of $7,500 in debt to begin debt settlement
Costs between 15 and 25 percent of the total unsecured debt
Free consultation with a Certified Debt Consultant

Freedom Debt Relief offers a free consultation with a highly trained, IAPDA-certified debt consultant when a consumer decides to enlist the company's debt settlement services.

According to a four-year study by Freedom Debt Relief, its customers start the program with a median of $28,000 in debt, which decreases to $3,800 after 45 months in the program. The graph below shows the decrease in debt over time and how this directly affects the increase in customers' credit scores.

FDR Debt Settlement Graph

Experience and Accreditations

As an accredited debt relief company, Freedom Debt Relief has over 17 years of experience in the debt settlement industry. It has settled over two million accounts since its founding and regularly settles over 50,000 accounts monthly.

Freedom Debt Relief has years of experience standing between the creditor and the client. FDR will work to obtain settlements that resolve credit card debt (or any type of unsecured debt, such as personal loan debt or medical debt).

FDR will walk clients through the debt settlement process: first, customers will voluntarily choose to stop making monthly payments to lenders. Instead, clients will elect to make a monthly deposit into a separate special purpose account to save money to pay for the settlements once negotiated. Freedom Debt Relief will then work to negotiate a settlement on behalf of its clients.

Unfortunately, this settlement process will affect your credit score. If you miss any minimum payments on your credit card or other debt, this will decrease your credit score. A four-year study by Freedom Debt Relief found that its customers' credit scores dropped in the first six months of the debt settlement program, then began to recover. According to the study, most customers' credit scores recovered to their previous position by the time they completed the Freedom Debt Relief program. It's smart to have a plan for boosting your credit score before you start the debt settlement process.

The graph below shows Freedom Debt Relief's customers' credit scores over time as they improve their debt through the company's program.

Freedom Debt Relief Credit Score Graph

Great Freedom Debt Relief Reviews

Most Freedom Debt reviews on Best Company are positive. People commend FDR for having good customer service, explaining debt management, and keeping them updated on where they are at in the debt settlement program.

Clients drowning in high amounts of unsecured debt (credit card debt, personal loans, medical debt, student loan debt) usually find that the company can save them from paying a large percentage of what they owe. One Freedom Debt Relief review even states that the company helped him save several thousand dollars in interest as well as settling all of his outstanding debt.

Despite the debt settlement program's tendency to negatively affect credit scores in the first six months, clients with mountains of credit card debt find it extremely helpful for debt reduction. It's also important for people to know that forgiven debt is considered taxable income, so you may owe more in taxes when using debt settlement services.

Online Dashboard

One feature that sets FDR apart from the rest is a unique and intuitive online dashboard to track clients' pace throughout the program. This helps people to actually see their progress while settling their debts. It also offers education to help clients improve their financial knowledge.

Not many debt settlement companies in the industry offer this debt relief service as part of their packages.

No Fees Charged Until After Debt Is Settled

As opposed to a debt consolidation company which consolidates all of a customer's debt into one consolidation loan and one monthly payment, debtors approach Freedom Debt Relief as a last resort in order to escape high amounts of debt and avoid declaring bankruptcy.

Freedom Debt Relief doesn't charge an upfront fee or any other fees until after debt is settled with creditors. This practice is standard for the industry. Debt relief companies, like National Debt Relief and Pacific Debt, also do not have upfront fees.

Upon enrollment, customers will open an FDIC-insured bank account that the client controls. Clients will put all of their money that would have gone toward paying their debt into this bank account instead. This is the main reason why this program hurts your credit score more than debt consolidation.

Next, FDR or its representatives or agents will negotiate with your creditors to settle on debt to pay.

Freedom Debt Relief makes money by charging fees on the enrolled debt amount. Its average fees are a bit high (around 22 percent fees on enrolled debt), but its services are thorough.

The company's ability to help clients find an easier road to financial freedom and paying off debt is highly valuable.

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The Bad

Freedom Debt Relief Cost
Limited Availability
Limited Services
Complaints
Consumer Financial Protection Bureau Lawsuit

Freedom Debt Relief Cost

One concern with Freedom Debt Relief is its price. On average, Freedom Debt Relief charges $4,000 to settle $20,000 in debt (22 percent of total debt). If Freedom Debt Relief cuts your debt in half, you would end up paying $14,000 instead of $20,000.

Users are charged an average of 22 percent of their total debt to use FDR. While this number is in line with their competitors, it is only an average. Customers could end up paying more or less than this to use FDR. FDR’s prices range between 15 and 25 percent. The rates vary depending on the state the client lives in.

Current national debt relief trends indicate that debt settlement companies tend to charge a percentage of enrolled debt as opposed to saved debt. This means that the more total debt you have, the more debt settlement companies will charge you.

Although working with a debt settlement firm still saves you from paying thousands of dollars to creditors, it's better to work with companies that charge a percentage of saved debt rather than enrolled debt.

So exactly how much will Freedom Debt Relief cost you? It will cost you around 22 percent of your total enrolled debt, but you will have to have a consultation to get an accurate estimate. The fee is competitive for the industry. The fee is assessed when a successful settlement is reached.

However, Freedom Debt Relief’s services are high quality and make it easier to make your way to living debt-free.

Limited Availability

Freedom Debt Relief offers debt settlement programs in only 41 states. If Freedom Debt Relief does not offer its debt relief program in your state, you'll have to consider other debt settlement companies.

Most debt settlement companies have a minimum debt requirement to ensure a payout. A debt settlement company that charges by saved debt will not run into this problem as much.

Freedom Debt Relief requires a minimum debt amount of $7,500 (the amount of which is charged fees between 15 and 25 percent). While this threshold is low compared to other debt settlement companies, it does rule out people struggling with lower debt amounts.

An additional limitation with Freedom Debt Relief is that the company only works with debtors with unsecured debt. Freedom Debt Relief is not an option for those struggling with secured debt. The difference between unsecured and secured debt is that unsecured debt is not backed by assets or collateral, while secured debt is.

Limited Services

Some debt relief agencies provide services outside of debt settlement, such as credit counseling, advocating for a lower interest rate on your debt, or debt management plans. However, Freedom Debt Relief does not offer these services.

As such, if you choose to go with Freedom Debt Relief to help you work toward resolving your debt, be aware that you will be signing up for a debt settlement program, and may still receive calls from a debt collector or face the risk of a negative impact on your credit score.

Complaints

While most of the Freedom Debt Relief reviews are positive, there are still several Freedom Debt Relief clients who have complaints about the debt relief company. The two main complaints that people seem to have are the following:

Debt settlement takes too long or isn't as effective as people hoped
FDR charges too much for its services, sometimes costing consumers up to 25 percent of their total enrolled debt

These complaints are fairly common within the debt settlement industry. It’s important for clients to be fully informed about what debt settlement is and how it works. Potential clients should use the free consultation to learn more about the time it takes to reach a settlement and specific price information.

Consumer Financial Protection Bureau Lawsuit

In 2019, the Consumer Financial Protection Bureau and Freedom Debt Relief reached an agreement that FDR would do the following:

Make it clear that in some cases, FDR may not be able to negotiate a debt if the creditor is unwilling to negotiate
Let consumers know that, in some cases, the creditor will only negotiate if the client is also directly involved in the negotiations, and that the consumer has the right to refuse to participate in the negotiations and can remove the debt from their program without penalty
Make it clearer to consumers under what circumstances they will be charged a fee
Stop charging fees on all accounts where the settlement amount was not reduced, or where the creditor wrote off the debt on their own
Make it clearer to consumers that, if they end their program early, any money left in their program savings account belongs to them, minus any funds earned by the company according to legal statutes
Pay restitution money to injured consumers
Pay a civil penalty

It's a good idea for potential clients to do some research on the process, consumers' rights, and industry standards for settlement companies before setting up a free consultation with a debt settlement service. It's also recommended to read recent customer reviews to get a better sense of Freedom Debt Relief's commitment to clients and how good its settlement services are.

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The Bottom Line

Freedom Debt Relief offers several outstanding features for anyone looking to settle their debts: all major industry accreditations, ample debt settlement experience, thoughtful and experienced debt consultants, negotiation with each creditor, and more. The company's 15 to 25 percent fees are pretty standard in comparison to other debt settlement companies (like National Debt Relief).

If you choose a debt settlement plan to resolve your debts, the debts you settle are marked as "settled" on your credit report. While there are some risks to debt settlement, this process allows you to settle debts, avoid bankruptcy, and become debt-free.

While people interested in other debt resolution methods, like credit counseling, a debt management plan, or debt consolidation loan will need to consider other companies, Freedom Debt Relief is a good option for those seeking a debt settlement program.

FDR's debt negotiation experience is worth the money. Freedom Debt Relief customer reviews relate that the company has saved them thousands of dollars by negotiating with their creditors. If you're looking to settle your debt through debt negotiation and a reliable debt relief program, we highly recommend using Freedom Debt Relief if you receive a reasonable quote from the company during your free consultation.

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User Reviews

Star Rating

4.7

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15,022 Reviews

Review Breakdown

5 grade

81%

4 grade

12%

3 grade

2 grade

1 grade

Sentiment Criteria

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Verified Customer

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Charles Balint

When I started the program I was happy, had a little issue getting it started and with callers and debt letters from collection agency, but it evened out after about 2 years. After I had available funds and nothing was being done. I called the Client Services to see what is next, CS said that the law office is working on it. Over the next three months I call several time to see what the status was and CS said there is no reason that is holding anything up and again they would send a note to the law office. Only after I was served a SUMMONS did I see anything start to happen. That took another Four plus weeks. The settlement a disappointment was not what I was hoping for. It used up most of the account on deposit ( the system online showed that there was amounts on deposit to cover two AMX outstanding accounts With a date of total pay off of March of 2020. ) Now with the account that was used for settlement of one account the pay off is pushed out to December. What was a bigger disappointment Client Services was the FDR settlement FEES Around $5,000.00. Its seams like I'm just a number and no one cares because, I made a mistake and I should be happy that the debt will some day be settled. I have been contacted by UniteDebt and National Debt Relief offering to take over the debt accounts and save me money by lowering the settlement payoff amount and save me money on the settlement FEES. ( National Debt Relief is offering a low % and Unite Debt is offering NO SETTLEMENT FEE.) I need to think about it. What do you think I should Do ? I look forward to yours or FDR's reply.

7 years ago

Reply from Freedom Debt Relief

We’re so sorry to hear of your disappointments, Mr. Balint. Please know that when it comes to negotiating with legal firms, there are certain measures that first must be taken prior to our efforts. If certain criteria are not met, we are not able to move forward in our negotiation efforts. We apologize if these terms were not explained to you in detail.

Also, regarding our settlement fees, we do not collect our fees until we’ve successfully obtained a settlement and the first payment has been scheduled with the creditor. Therefore, we only collect our fees after we have successfully negotiated a settlement.

We’re really sorry to hear you feel you are not supported well in our program. We would like an opportunity to connect with you to address all of your concerns. A team member will be reaching out to you shortly. Thank you for providing your honest feedback.

Jan. 10th, 2019

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Verified Customer

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cynthia R Brixius

process to complete too slow I assumed you would get everything done and then I pay i guess like you loaned me the money to pay off bills after settlemnts i just keep paying well about 9 months in and only 1 settlement 1 account i recieved noticed accepted settlement then someone dropped the ball I was told and failed to get acceptance letter from the company I am being sued by another company I am working nnl group and was told over 4 weeks ago they would get back to me and have and heard anything send email left message to call back nothing called fdr and they advised cal nnl so feeling like i left out here alone thanks

8 years ago

Reply from Freedom Debt Relief

We are sorry to hear, Ms. Brixius, that you are having such a poor experience in our program. We would like the opportunity to address the mentioned concerns in an attempt to resolve them on your behalf. A team member will be reaching out to you shortly. We appreciate you sharing your honest feedback and we hope to speak with you soon.

Oct. 4th, 2018

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Verified Customer

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Matt

Whatever your debt amount is now , will be what you end up paying. They will make a deal to pay half to the creditors and then the other half will be fees for them. You can negotiate with the companies yourself and threaten that your going to freedom debt relief etc. and you will end up paying about 70% of what you owe knocking off interest that built during your credit, loan, etc.

6 years ago

Reply from Freedom Debt Relief

Matt, thank you for taking the time to leave us a review. We're sorry to hear your experience and would like to speak with you regarding your concerns. Please provide us with your phone number or email address and a member of our team will reach out to you. Thank you for choosing Freedom Debt Relief!

Sep. 25th, 2020

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April Oakley

In the beginning everything was good I signed up with no problems. Updates were always on time. But when it came to needing help with some important things the ball was dropped not once but twice and I found myself wondering what is going on after all the paperwork I signed and all the money and time I spent at the end someone Canceled me. I was very hurt behind that I was thankful I had copies. Please keep copies because they don't.

6 years ago

Reply from Freedom Debt Relief

We're sorry that you feel this way, Ms. Oakley. We are never intending to make this process more difficult. If you still have questions or concerns regarding this matter, please contact Client Services at (800) 655-6303 so they can further assist you. Thank you for choosing Freedom Debt Relief!

Mar. 17th, 2020

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Verified Customer

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Anonymous Denton, TX

When I first started out, the guy told me to give him all the information, which I did. And they did not give me information and then I found out one of the banks were trying to ask for more money. The promises are not kept. They kept sending me a text or email saying that I've got another outstanding bill but every time I acquired about it or checked the account, they kept playing the cat and mouse game and they're very poor at communicating.

7 years ago

Reply from Freedom Debt Relief

Thank you for taking the time to leave us a review. We do our best to keep our clients informed of their program progress and we're sorry to hear about the lack of communication. Please give us a call at 800-655-6303 to discuss any concerns. Thank you for choosing Freedom Debt Relief!

Aug. 5th, 2020

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Verified Customer

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Annoyed

I appreciate the help, although the fees are pretty steep. They talked to the credit card companies, stopped all my accounts, and settled my debts, finishing up with a bi-weekly payment that landed on each payday and was much easier to manage. I probably pay about the total amount of my debt with my actual settlement amount + fees, because the fees are insanely high, in my personal opinion. You can't go back on your deal, though! And they don't really tell you anything about the fees beforehand, that is a personal surprise.

7 years ago

Reply from Freedom Debt Relief

We're glad to hear you do recognize the benefits of our debt relief program. However, we are very concerned about your surprise to our settlement fees. This is something that our debt consultants discuss during the initial debt consultation. We also make sure to include the fee information in the Debt Resolution Agreement that is provided to every client. To prevent any other surprises regarding your account, we would like an opportunity to speak with you directly. A team specialist will be reaching out to you shortly. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

May. 29th, 2019

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Verified Customer

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Sol Gonzalez

I am not sure if it is good or not because I feel that I have deposited more than 6000 dollars and I have only paid a 1600 card, so the rest is left by the company in fees. On the other hand the advisors or the costumer services do not know how to explain well, at first everything sounds perfect after 2 years I am not sure if this was my best option

7 years ago

Reply from Freedom Debt Relief

We're very sorry to hear, Ms. Gonzalez, your most recent experiences with us have been anything less than pleasant. Our goal is to provide a world-class customer service experience to each and every one of our clients every time they reach out to us. In an attempt to improve your experience with us, a team specialist will be reaching out to you shortly using the contact information we have on file. We appreciate this opportunity and thank you for choosing Freedom Debt Relief.

May. 29th, 2019

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Verified Customer

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Mark

The customer service has been great until recently and certain events. I don't get emails from them. Sometimes I'll go to my site and I'll see a new surprise to quote. I found out about the credit card that didn't show up on the report and cost me some trouble because this credit card was not added in and I had to go to court on Thursday and my rates are going to increase with them. I think they should be more up front about how they work with people in the beginning. It shouldn't be an ongoing process of knowing how they work.

7 years ago

Reply from Freedom Debt Relief

Mark, thank you for your honest feedback. We're sorry to hear about your experience with our team. We never intend to make the process more difficult for our clients. Please give us a call at 800-655-6303 to discuss any concerns. Thank you for choosing Freedom Debt Relief!

Aug. 6th, 2020

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Verified Customer

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Hector Sandoval Ontario, CA

I'm not totally satisfied with their way of doing business. I have asked for help and they don't. They have a dashboard that I have to go in and it shows me the same thing over and over. They're not doing what I feel they should be doing. I keep getting calls from this one person and they say that Freedom Debt has to call them and Freedom Debt says to wait until they're ready to do business and I have a problem with that because they're going to wait until they get caught from a collection agency.

7 years ago

Reply from Freedom Debt Relief

Hello Hector,

We're really sorry to hear that you are dissatisfied with the way your debt relief program is going. We never want any of our clients to feel like they are not getting complete answers to their questions. Your concerns do matter to us and we're here to resolve them and make this a better experience for you. A member of our team will be reaching out to you to discuss your concerns.

Feb. 13th, 2019

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Verified Customer

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Christy Underwood

The company did not make it clear that in addition to the monthly fee they also take a percentage of the settlement. I had. Also requested an offered settlement of approximately $800 be accepted. I talked on the phone with one of the to a company representative who reported I had the funds available and it was an excellent offer. I also send an email with the offer given me. That wonderful settlement was not ever accepted by Freedom Debt Relief.

7 years ago

Reply from Freedom Debt Relief

Hello Christy,

All of our debt consultants are required to go over the monthly deposit and settlement fees when a client is enrolling. We also cover it through the Welcome call that our clients take, and it's also outlined in the contract. We're sorry if you feel you weren't informed enough about our program. Please reach out to our client services department at (800) 655-6303 or if you have any questions or comments regarding your account.

Dec. 31st, 2018

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Verified Customer

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Ronald Sweetwater, TN

Their customer support is great. It cost quite a bit of money. They save you money but then they charge you also accordingly. Basically they save you money on the debt that you owe but then they charge you according to how much they've saved you and so once they charge you you're almost back up to the amount that you owe so you're really not saving that much that's why I wouldn't do it again it really ruined my credit.

8 years ago

Reply from Freedom Debt Relief

Thank you for sharing your honest feedback, Ronald. In some cases, the savings may not appear to be a significant amount. However, consider this. Compare our fees to the 100% debt + interest % + late fees + penalty fees if someone can't meet the monthly required minimum payment. We offer a proven solution at an affordable monthly cost that helps our client pay down their entire debt - principle, fees, interest and all. In the long run, the savings are still phenomenal. If consumers continued to pay on their debt, including interest and fees assessed, the balance can be paid on for up to 20 years before it gets resolved! As for credit, the good news is rebuilding credit is far easier to do than get out of a sizable debt problem, which is why clients turn to us in spite of any credit score issues they may incur. Almost everyone can have excellent credit in two years or less, no matter how bad their credit is today.

Sep. 21st, 2018

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Verified Customer

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Eugene Delray Beach, FL

When I called into customer service, you get different answers based on who you talk to. They also haven't kept me informed on updates. They don't keep you informed with accurate information like what money you have given them or how the money has been distributed. I can't see on the client dashboard the history of money distribution. I called in and got one answer and then called back and got totally different information.

8 years ago

Reply from Freedom Debt Relief

Eugene, we're very sorry to hear that you're not satisfied with the program right now. We want to make sure a client is aware of what's going on with their debt relief program and we will do anything in our power to make sure we fix any concerns a client may have. We would love to review your account with you and hopefully resolve the concerns you're having. A member of our team will be reaching out to you privately!

Sep. 20th, 2018

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Verified Customer

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Adrian

If you are in debt just stop using your credit card, you don’t need to through this debt settlement stuff. Pay it off as much as you can, get another job. You’re not saving money by cutting debt when you add on their 20% fee. I regret signing up. They are not thorough in their work. It is not worth it.

6 years ago

Reply from Freedom Debt Relief

Adrian, we are so sorry to hear that you are not pleased with the services we have provided. We work hard to provide our clients with the best possible solutions to their debt, so we apologize if you feel that that was not the case. We would like a chance to review your account with you and see what we can do to further assist you. An account specialist will be in touch with you soon.

Jul. 16th, 2020

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Anonymous

Good idea but I am going to end up in more debt than I put in due to the fees. Some of the fees are more than what they saved me. My credit score also went down dramatically. Customer service is pretty good. Everyone is extremely helpful and nice. They did help me get a debt consolidation loan for my enrolled debt plus the fees they added.

6 years ago

Reply from Freedom Debt Relief

We are so sorry to hear that you are not completely satisfied with our services. Compare our fees to the 100% of the debt amount plus any interest and additional late/penalty fees if someone can't meet the monthly required minimum payment. We offer a proven solution at an affordable monthly cost that helps our client pay down their entire debt; principal, fees, interest and all. We are glad you decided to enroll into the Consolidation Plus Loan, and we look forward to your completions. Please call Client Services at (800) 655-6303 if you are ever concerned about your account.

Mar. 18th, 2020

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Verified Customer

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Kristi Scott

Great at first then very underwhelming. They don't put their fees in the dashboard and that makes the process confusing. There's no app. Half of their customer service techs understand the process, the other half is clueless.

6 years ago

Reply from Freedom Debt Relief

Kristi, we are so sorry that you are not satisfied with the services that we have provided to you. It's very important to us for our clients to have a clear understanding of our process to resolve your debt. A member of our team will be reaching out to you shortly to discuss any and all concerns. Thank you for choosing Freedom Debt Relief.

Mar. 19th, 2020

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Verified Customer

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Joanne

The experience has been eye opening. Debts were settled and paid. My problem is every settled debt came with a 20 to 23% fee. The fee was based on the original debt. So if you settled a debt for 50% once they added their fee, you actually paid between 80 to 85% of the debt

7 years ago

Reply from Freedom Debt Relief

Thank you for your feedback, Joanne. We appreciate your concerns regarding our settlement fees. If you would, compare our fees to the 100% of the debt amount plus any interest and additional late/penalty fees if someone can't meet the monthly required minimum payment. We offer a proven solution at an affordable monthly cost that helps our client pay down their entire debt; principal, fees, interest and all. However, we would like an opportunity to further discuss your concerns with you. A team specialist will be reaching out to you shortly. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

Jun. 27th, 2019

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Verified Customer

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Renee Gillum

They settled the accounts fine but when the accounts are paid they do not work with t by e creditors to close the accounts properly therefore it is a negative impact on your credit report. I would have fared better filing for bankruptcy

7 years ago

Reply from Freedom Debt Relief

Thank you for your feedback, Ms. Gillum. We're very sorry to hear of your disappointments regarding the impact to your credit. Our graduates receive a graduation package that includes information regarding credit repair. However, there are some other tips and tools we would like to provide to you that may be able to assist in the matter. A team specialist will be reaching out to you shortly; using the contact information we have on file. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

May. 29th, 2019

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Verified Customer

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Linda L. Watkins

Due to my settling one case on my own, and the other case forgiven, the one account left has caused me very much unhappiness. I do not believe a good deal with them was made for me nor approved by me. Therefore my experience will have to be less than positive.

7 years ago

Reply from Freedom Debt Relief

We are sorry to hear you are disappointed in our negotiation efforts. Please know our negotiators have years of experience getting settlements with a large variety of creditors and know which creditors to settle with first, how much debt reduction creditors are likely to agree to, and more. Again, we apologize if you feel we did not do our absolute best to settle the enrolled balances. We have worked hard to have great relationships with hundreds of creditors, which allows us to get great settlements for our clients. We appreciate the opportunity to service your financial needs. Thank you for choosing Freedom Debt Relief.

Apr. 3rd, 2019

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Verified Customer

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Tina Gregory

2 thumbs down credit score goes way down waiting on them and when they give you a payment for your monthly and you accept they then come back and raise your payment happens to me twice. If they need to do things like this it should be told up front.

7 years ago

Reply from Freedom Debt Relief

Thank you so much! We are thrilled to receive your 5-star review and we look forward to helping you reach your goals of financial freedom! Please reach out to our client services department at (800) 655-6303 or should you have any questions or comments regarding your account.

Thank you for choosing Freedom Debt Relief!

May. 1st, 2018

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Verified Customer

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Teresa Mccoy Woodbridge, VA

They were highly recommended by a friend of mine. I don't feel like I ever had a problem with them, I get emails with updates every once in a while. The only thing is that they promised to lower my rates but there are some credit cards that they were not able to settle for me.

8 years ago

Reply from Freedom Debt Relief

Thank you for your honest feedback. Please reach out to our client services department at (800) 655-6303 or should you have any questions or need assistance with your client dashboard. Thank you for choosing Freedom Debt Relief!

May. 7th, 2018

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Anonymous Salt Lake City, UT

In 1 year after making all of my payments I have only had two bills paid off; Which I was told that I would be out of the 'program' in 3 years. I don't see how this is going to happen and my credit score dropped 400 points from when I joined the program. I am now going to file bankruptcy and I wish I would not have wasted my time.

8 years ago

Reply from Freedom Debt Relief

We are sorry to hear about the concerns you are having with the program and your account. We would like to work with you to resolve these concerns. Please let us know the best time that we may have someone reach out to you.

Thank you for choosing Freedom Debt Relief!

May. 1st, 2018

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Glenroy V Jones

I am still awaiting your paperwork from our conversation yesterday so I can sign, notarize and send right back to you and I have not yet received it. I'm disappointed.

7 years ago Edited January 3, 2024

Reply from Freedom Debt Relief

Thank you for complimenting the service that's been provided, Glenroy. It's always rewarding to hear clients share the positive experiences they've had while enrolled with us. Please continue to contact our client services team as other questions come up about your account. Keep in mind you can view your account details at anytime by logging onto your client dashboard at . Thank you for choosing Freedom Debt Relief. Here's to your financial freedom!

Apr. 15th, 2019

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mak grant

not enough info on debt negotiation phases as it applies to accounts.changes from strategic hold to targeted negotiations and back. doesnt make customer feel he is up to date on whats going on.

7 years ago

Reply from Freedom Debt Relief

We appreciate your honest feedback, Mr. Grant. We are terribly sorry to hear you feel there has been a lack of communication on our end. Please know clients can chat live with an advocate when logged onto the client dashboard. We are available 7 days a week to address any questions or concerns you have about your account.

In the mean time, we would like an opportunity to touch bases with you to go over the details of your account thoroughly. A team member will be reaching out to you using the contact information we have on file. We are looking forward to speaking with you soon. Thank you for choosing Freedom Debt Relief.

Apr. 3rd, 2019

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Aleida Hern'ndez

No the best ,I put a lot money in freedom,they put freedon fees in first ,didn't negociation with the account that a had in court,and I lost money,and I paid more for bad job from freedom

7 years ago

Reply from Freedom Debt Relief

Hello Aledia,

We're very sorry to hear that you are disappointed with our company. We collect a one-time settlement fee once a settlement has been negotiated and authorized by the client and we have started making payments toward the settlement. We don't take advantage of the clients we are really here to help. We will be reaching out to you in a private message to resolve the concerns you are having.

Jan. 17th, 2019

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Charmaine Kemah, TX

They don't follow through, after talking to eight people, I got someone to listen and they did follow through but it was very stressful. If I had to do it all over again I would not use them.

7 years ago

Reply from Freedom Debt Relief

We’re so sorry to hear you have had a negative experience, Charmaine. We work constantly to improve how we communicate with our clients and have made big improvements over the past year or so. Thank you for your feedback and know that we are working on it!

Dec. 21st, 2018

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Diana Munoz

I think I have quiet a lot in the bank yet there are not any paid off for awhile, it seems to take a long time before a acct is actually paid, why so long when there is plenty of money in the account

7 years ago

Reply from Freedom Debt Relief

Thank you for your honest review, Diana. There are several different factors that go into settling an account. Funding is one of them, however, it also can come down to the willingness of the creditor to settle and also the time it takes for us to negotiate with them. We encourage you to reach out to our client services team for a thorough update of your account and they'd be happy to answer any questions or concerns, simply call (800) 655-6303 or email .

Dec. 21st, 2018

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Mark Torres

Initially good, however as it progressed the customer service was less and less helpful and caring to my situation, which makes me wonder if I should have filed for bankruptcy instead or worked out arrangement on my own.

7 years ago

Reply from Freedom Debt Relief

We're sorry to hear this, Mr. Torres. One of our main goals is to continuously improve on the level of service we provide to our clients. It's disappointing to learn that you feel our level of service is declining. We would like an opportunity to address any questions or concerns you are having at this time. A team member will be reaching out to you shortly. We appreciate your honest feedback.

Dec. 20th, 2018

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Christopher Baliles

Not as transparent as they should be on what they charge to settle a debt. Everything that you discuss with an agent upon starting the program should be sent to the individual by mail.

8 years ago

Reply from Freedom Debt Relief

Thank you for sharing your honest feedback, Christopher. We are sorry to hear you feel we were not clear in regards to the settlement fees. A team member will be reaching out to you shortly to discuss your concern(s) further.

Oct. 4th, 2018

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FearManyImpendingLawSuits Sparta, TN

FDR Does Not Do An Adequate Job In Preventing Creditors From Filing Lawsuits Against Their Clients, Very Scary/Frightening & Enormously Disappointing For Us, The Helpless/Financially Distressed & Distraught Clients )-:

8 years ago

Reply from Freedom Debt Relief

May. 1st, 2018

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Disgruntled Paying Customer

They are not as clear about where your money goes as they should be. They charge high fees. No alternative companies for the service they provide. Take it their way or no help at all.

8 years ago

Reply from Freedom Debt Relief

May. 1st, 2018

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Michael Bowen St. Petersburg, FL'

I needed to get out of debt so I went with their service. They have kept up with me through emails but I feel like I was misinformed. Their fees are ridiculously high, but I didn't have much of a choice.

8 years ago

Reply from Freedom Debt Relief

Hello Michael,

Thank you for sharing your feedback. We are very glad you chose us to resolve your debt and we will continue to inform you with any new information regarding your accounts. We do our best to explain our program during the enrollment call, the Welcome Call, and your Debt Resolution Agreement. We do understand your concerns regarding our fees but compare our fees to the 100% debt + interest % + late fees + penalty fees if someone can't meet the monthly required minimum payment. We offer a proven solution at an affordable monthly cost that helps our client pay down their entire debt - principle, fees, interest and all. We want to extend an apology for any misunderstanding or confusion regarding this. Please reach out to our Client Services department at 1 (800) 655-6303 or you can log into your Client Dashboard at if you have any questions or comments regarding your account. Thank you for choosing Freedom Debt Relief!

Nov. 20th, 2018

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BChu Benton, AR

Freedom Debt Relief is expensive, very slow, and refuses to work with you on settling debts in a specific order. I say expensive because the fees they charge pretty much negates the percentage of debt being settled and you end up paying just as much, if not more than the original debt. I say slow because I have been in the program for 2 years now and I’m still not halfway through. I say refuse to work with you on debt settlement order, because they literally will not settle a debt you request in a certain order. Every time I requested a particular debt be taken care of, it’s moved to the end of the list. You’re better off dealing with the debt collectors yourself and negotiating you’re own settlement. It’ll save you a lot of time and money.

4 years ago

Reply from Freedom Debt Relief

Thank you for your feedback. Settlements are dependent on accumulating sufficient funds in order to settle the debt and as long as we continue accumulating funds we should have no problems meeting your goals in realistic timeframes.

When it comes to negotiation requests, we do take them into consideration but we must also consider all of the related factors for negotiations. Funds and creditor willingness play a major role in the negotiation process.

Our program typically lasts 48 months, much like accumulating debt, debt settlement takes time to resolve the debts. If you would like more information about how you can accelerate your program, we urge you to contact our customer service advocates at (800) 655-6303 .

Although you can handle your debt on your own, our expert negotiators know all the ins and outs because they talk to creditors and collection agencies every day. We have worked hard to have great relationships with them, which allows us to get great settlements for our clients.

Apr. 5th, 2022

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Matt Clinger Nashville, TN

I am not happy as this has taken WAY longer than I was told it would, and my credit has still not gotten any better. I fact, my credit is lower now than it was before it started and by 60 points!! I am not happy as I was told this would be a 4 year process and be done mid 2021… it is showing am now not going to be don’t until 2023. So needless to say I am paying way more than I should have to, as this whole purpose was to get my $19k of credit card debt paid off in 3-4 years max, and for less than half, of what I owed… this is FALSE and I am already well over $7500 with 2 years more minimum.. this will take me above what the girl promised me when I agreed to do this program. Plus they drag it out by paying them off at $25 per month, which is how they take more of my money because the longer it takes to pay off, the more they make from my monthly payment. I am super unhappy and wish I would have just continued paying what I was paying as I would have had it all paid off by now. I would not suggest using Freedom Debt unless you are so desperate that you can go 6 years with horrible credit and pay more than they promised you would pay. I should have listened to my wife, she told me it was a scam and she looks to be right yet again.

4 years ago

Reply from Freedom Debt Relief

Hi Matt , thank you for taking the time to review your experience. We strive to provide great service and provide debt relief. We take feedback very seriously and for those reasons an account specialist will reach out to you shortly regarding your experience. Thank you for choosing Freedom Debt Relief.

Nov. 10th, 2021

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Wesley Richardson

They were good at the start but now that I am about to have everything paid off they are not so good. I have one company in negotiations , but after contacting the company it seems that they wrote off my debt in 2018. Freedom Debt Relief told me it was sent to another company. I was able to contact that company and they told me that they do not have a debt with my name or SSI. I contacted Freedom Debt Relief again with no answer all they say is that they are working on that account.. So who are you working with ??? I ask they if they were putting my money into there pockets for this account and I got no response. Still after 3 months they still have not contacted me nor paid off the accounts I ask them to pay.. they are holding over $9700 of my money and I only owe $5200.

4 years ago

Reply from Freedom Debt Relief

We appreciate you taking the time to leave us a review, Wesley. We strive to provide great service and provide debt relief. We take feedback very seriously and for those reasons an account specialist will reachout to you shortly regarding your experience. Thank you for choosing Freedom Debt Relief.

Nov. 5th, 2021

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Jenifer Taylor Baltimore, MD

Well my experience with Freedom Debt was okay until I received a letter from an attorney threatening legal action against me. I called FDR immediately and everyone that I spoke to acted as if they knew nothing. All I kept hearing was: send us the paperwork and we will send it to the lawyers-which was fine but no one ever got back to me. I called several times and got nothing but the run around. They even asked for my paperwork again(although I faxed it to them). I thought they would put some urgency on the matter but they didn’t. I even called my counselor and texted her, but she did not respond. I only spoke to her if by chance I caught her on the phone after making several attempts. I just felt like there wasn’t any URGENCY on their part!

4 years ago

Reply from Freedom Debt Relief

We appreciate your feedback., We never mean to disappoint our clients. A debt management specialist will be reaching out regarding your concerns. Thank you for choosing Freedom Debt Relief.

Oct. 28th, 2021

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Jody Fortune Garner, NC

FDR is absolutely worthless when it comes to dealing with attorneys and lawsuits. They claim they will help you with their legal partner network (LPN) but that is bogus. They refused to help me or even give me access to LPN unless I could deposit hundreds of dollars into my dedicated account. I read them the section of our agreement that says I qualify for the LPN but they ultimately refused because I couldn't come up with extra funds. I have another attorney about to sue me and FDR said they can't do anything for at least six months as I need more funds in my dedicated account. I have been working with them for over a year and I'm not too happy. They have settled some debts and I have paid them thousands of dollars to do so. The services they offer can be done on your own. They only care about making money off of individuals that are stressed and in a bind financially. I would most definitely consider them predatory. I wouldn't recommend them to anyone. I am about to withdraw from the program and simply negotiate all of my debts myself. It will save me thousands of dollars in settlement fees.

5 years ago

Reply from Freedom Debt Relief

Jody, thank you for bringing this to our attention. We would like an opportunity to speak with you about the mentioned concerns. One of our experienced representatives will be reaching out.

Jul. 20th, 2021

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Renae Huckabee Fort Worth, TX

The guy that signed us up for this neglected to state that their fees are gonna be, basically, what you would have ended up paying if you settled with the creditors directly. I felt somewhat mislead. They have you wait for months, up to a year, having the balances nearly double in that time due to fees, then settle it and say “hey, we settled for only 40% of the debt”. 40% of the NEW balance + their fees is like 40% of what they “saved” you, you really save nothing other than the headache of continuing to pay your debts individually. THEN they try to offer you a “loan” to pay off ALL your debts now. Then you pay them that loan plus interest. We considered it but the guy that HOUNDED us to apply never got back to me to tell me what kind of interest we would be looking at. I really do not recommend FDR. If you are having troubles paying, try to settle the debts yourself with your creditors.

5 years ago

Reply from Freedom Debt Relief

Renae, we're so sorry to hear about your experience. We would like to speak with you regarding your concerns and a member of our team will be reaching out to you shortly. Thank you for choosing Freedom Debt Relief!

Jun. 11th, 2021

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Judith Steven Fort Lauderdale, FL

I just can't understand for the life of me why would you negotiate to pay only $1 a month to a creditor. Oh yeah, I just got it....so you can collect more of your exorbitant fees. You are not 100% transparent with clients at the inception of signing up. Will a client save over the course, yes, but we could do better if y'all weren't so greedy. Due to this one principle I'd rather struggle and be honest and pay the interest I signed up for with the creditor. The next reason I would NEVER ever recommend tour service is I have ample money in my account and you refuse to make payments toward accounts that are due to make finale payments. REMEMBER WE ARE NOT WORKING DURING THIS PANDEMIC, yet we're trying to keep up with you. Have a heart.

5 years ago

Reply from Freedom Debt Relief

Judith, thank you for taking the time to leave us a review. We're so sorry to hear that you are not pleased with the results our program has provided. A member of our team will be reaching out to you shortly to discuss your concerns. Thank you for choosing Freedom Debt Relief!

Jan. 22nd, 2021

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Rhonda Horvitz Monroeville, PA

The first two years of the program were okay. The last year has been less than satisfactory. Been trying to pay off my remaining debts in lump sums since January 1, 2020. FDR couldn't "find" the last remaining creditor. Finally found the creditor and even though I have sufficient $$ in my Deposit Account to pay off my two remaining debts in lump sums, I am told it will take anywhere from 30-45 days and then another 15 days after that to graduate. I'm truly frustrated, not to mention my "savings" thru this program was disappointing (Enrolled Debt: $71,035 - My payments: $67,253.04 = "savings" of $3,781.96).

6 years ago

Reply from Freedom Debt Relief

Rhonda, thank you for bringing this to our attention. We never want to bring our clients to a more stressful situation. We strive to bring quality care to our clients. We would like an opportunity to discuss the mentioned concerns with you. One of our experienced team members will be reaching out to you shortly. We truly appreciate your review.

Oct. 22nd, 2020

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Jena W. Claremont, CA

They were great until I accelerated and paid my program off early. I was told they couldn't stop taking monthly payments altogether and so instead of taking just over $500.00 a month from my bank account they would take $25.00 a month until they could finalize everything with my creditors, which they did, for exactly one month! The next month they promptly went back to taking over $500.00 from my account which caused me to be temporarily overdrawn. When I called to straighten it out the guy on the phone said the withdrawal had only been set up to drop down to $25.00 a month for 1 month and asked me if I wanted to do it permanently? I was livid! You've basically robbed me and my account is overdrawn and you want to play word games! When I exploded and told him to quit talking to me like I was an idiot he told me he was just trying to tell me what happened and that I needed to call my bank to fix it. Then he promptly hung up on me. I called my bank and blocked all future withdrawals by Freedom Debt Relief. They will have to get their payment from a low balance debit card from now on! When I called back and tried to speak with a supervisor they were all too busy so I asked for a call back. Based on the day's interactions I'm not really expecting one.

6 years ago

Reply from Freedom Debt Relief

Hello Jena. Thank you for bringing this to our attention once more. We are extremely sorry to hear how your program is going during this time. It is never our intention to put our clients in further hardship. Please allow one of our professionals to reach out to you to address your concerns and to be sure your account is closing out accordingly. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 23rd, 2020

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Erin Clemons Fishers, IN

I reached out to FDR Averi B back in June 2020 via email and phone in regards to my account! I logged into my portal to update my new banking information and instead of pulling money from that bank it pulled money from the bank I removed and the new bank! Over several months, emails, and conversations, (even with the proof that I still have that I did NOT authorize the transaction to come out of the account I was removing) I was told I wouldn’t be able to get the full amount back or at all, and if I took the partial amount that was available back that I would lose my settlement! That was a very low low blow in my book! Especially right now with everything going on with COVID and my husband has no job. It’s now September and no one has bothered to call or email me with anything. I am out my $1311 that I could most certainly use for my family! Thanks FDR for taking $1311 away from my family and not caring at all during these tough times. Just goes to show you how companies really care about their actual customers. All they really want is the money.

6 years ago

Reply from Freedom Debt Relief

The incident mentioned is unfortunate and we are disappointed to hear how it impacted you and your family. Please know that our goal is to always act in the best interest of our clients and we would never intentionally cause our clients greater financial hardships. Many of our clients have been negatively impacted by the pandemic and FDR is doing all that we can to accommodate the needs of our clients while keeping them on track for graduation. If there is anything we can do to improve your experiences in our program, please do not hesitate to share. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Sep. 11th, 2020

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Miz. Jones Antioch, CA

While I had an initial impression of getting help from Freedom Debt Relief, I am now convinced that I could have gotten help faster (and better explained) from another company. The amount I am paying to "resolve my debt" is what I can afford, but I was misinformed about the amount of money Freedom Debt would be taking out of my monthly payments. I could quite possibly be closer to paying off my debts if I didn't have to pay 25% of each payment to the company to do basically nothing. Sure, they contact the companies I owe money to, and supposedly negotiate how much they'll take to resolve the debt. But that isn't much more than a couple of phone calls. I'm due to pay one bill off in another 8 months (!) unless I can pay more each month to my account. Then I will have one bill left to be "negotiated" and paid off. Which means I won't be completely done until sometime in 2022. That also wasn't clear to me at the outcome. Once I get these bills paid off, I will make CERTAIN not to have this happen to me again.

6 years ago

Reply from Freedom Debt Relief

We sincerely apologize, Ms. Jones, if you feel we were not transparent concerning our settlement fees. Yes, we do take a fee, however, only after we've successfully reduced the balance owed to the creditor. Also, we intend to resolve as many enrolled balances as quickly as possible. Once all balances have been satisfied, we most certainly can review any options that will accelerate your Graduation Path. Until then, always feel free to contact our Client Services team with any questions regarding your account. Thank you for choosing Freedom Debt Relief to reach your financial goals.

Jun. 3rd, 2020

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Mark Mangold Canoga Park, CA

Handling the debit has been working. But just ran into a issue with what's going on in our USA. Needed some help and nobody could help. All I got was you Need to contact consolidation department. I called them and they said I needed to talk to FDR. After three times going back and forth I realized NOT one of your employees wanted to try and help to get me to the right place. Didn't need the added stress at this point. Still don't know. I do NOW know that I needed to start the process 3 to 4 day's prior my bad didn't know. But could not get correct anwser from anyone. Every one was different. ????????????????.????

6 years ago

Reply from Freedom Debt Relief

We're sorry to hear how disappointed you are with our negotiation efforts, Mr. Villanueva. Please understand our common goal is to progress you along your Graduation Path as quickly as possible. If the details of our process were not explained thoroughly when first enrolling in our program, we sincerely apologize. We would never intentionally cause confusion by not meeting your expectations of our program. We are here to support your journey any way we can, Mr. Villanueva. Please let us know how we can provide a greater client experience for yourself. Thank you for allowing Freedom Debt Relief the opportunity to serve your financial needs.

Apr. 28th, 2020

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Crystal Melville, NY

I have been disappointed with how long it takes for Freedom Debt Relief to negotiate a settlement with the creditors. I have gotten three court decisions before a settlement has been reached or even sought out. I believe this hindered our ability to negotiate a lower balance payment. I also am very disappointed that there is no wiggle room with adjusting payment dates any longer. I have never missed one payment but in the past have adjusted my payment dates so that I am able to run my household and manage the large consolidated payment that I agreed to with FDR. When adjusting the dates I always was aware when my payment to the creditor would be withdrawn and never put that payment in danger. Instead of changing dates I now have a one lump sum coming out when I get paid on the 21st to accommodate the payment date to the vendor which is fine but it was easier to manage the bi-weekly payment just because it wasn't such a large payment all at once. I would not recommend this service for others. I was desperate when I sought out FDR and am looking forward to completing my business with FDR.

6 years ago

Reply from Freedom Debt Relief

Crystal, we are so sorry that we have not been able to meet your expectations you may have had for the program. It is understandable to feel frustrated with the time it can take to achieve your first settlement, but we can assure you that we are professionals at what we do. We only have our client's best interest in mind, which is why It is important to us that our clients have a great experience in our program. We will be having an account specialist reaching out to you soon.

Jan. 16th, 2020

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Crystal Lafayette, LA

Everything works well and it is a very easy program UNLESS you have any kind of hiccup, which of course we had. It has been a year and a half and our account is just at a stand still and no one can give us an update or any other information regarding this account. Not to mention, suit was filed in regards to this "hiccup", and we were told that Freedom Debt Relief represented us therefore we could not speak to the defense, however, no one at FDR spoke to them either. We sent all of the documentations to FDR and were told it would be handled. Then we received a judgment and FDR is now stating that we would have needed to contact their legal department for them to have helped. This is critical information that we needed at that time, and their response -"I'm sorry no one told you that" , in a very condescending voice. I feel like we have paid "settlement fees" for nothing considering when we actually needed their help and guidance they were just asleep at the wheel, collecting their check.

7 years ago

Reply from Freedom Debt Relief

We're so sorry to hear about your negative experience, Crystal. A member of our team will reach out to you shortly to further address your concerns. Thank you for choosing Freedom Debt Relief.

Aug. 23rd, 2019

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victoria burkhart South Bend, IN

While Freedom has secured some structured settlements, I do not believe that those who are entrusted with making the settlement arrangements are completely knowledgeable or versed in the law regarding collections and credit reporting. On a personal level, an account which has been settled, is still showing as late and unpaid on my credit report. When reaching a settlement, it is very important that those who are negotiating have a clear and complete understanding of current laws as they apply to debt settlement and credit reporting. I do not believe that those negotiating the settlements are making the correct statements to creditors regarding credit reporting and this is a grave concern of mine.

7 years ago

Reply from Freedom Debt Relief

Thank you for sharing your feedback, Victoria. Sorry to hear that you are experiencing results that do not match your expectation. A member of our team will be reaching out to you shortly to assist with your concerns. Thank you for choosing Freedom Debt Relief!

Jul. 30th, 2019

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MV Santa Monica, CA

Being deep in to the program now I will finish it out and keep hoping for the best but I can say that I recommend Freedom Debt Relief or that a thorough great job is being done. Freedom Debt Relief's A plus BBB rating should definitely be lowered! I feel the concept of the program is good and as there are other companies that do it too, I would suggest people look into those other companies and avoid Freedom when pursuing this course of action with their accounts. There is no central database where all the reps one speaks to are on the same page and can/ do provide the same information. One is not provided with a dedicated go to rep for the course of their program and has to speak with random representatives in random cities every time an inquiry needs to be made or a document provided. This I have lived first hand and it is very inefficient. Further there is no proper, complete, written , filed ,recorded documentation kept of negotiations in progress and this is HORRENDOUS!!! We are not dealing with grocery store purchases here, which by the way are recorded if one is a member of supermarket program and even they can provide document of what has been bought and sold but NOT at Freedom. Unfortunately this has definitely been a live and learn, school of hard knocks education so I am here to save others from the awful I have experienced and hope they too do not have to learn the hard way. I would really give only one star but I find that people ignore one star reviews as being too harsh.

7 years ago

Reply from Freedom Debt Relief

We are definitely sorry that you feel this way, MV. We will have a member of our team reach out to you to go over your experience.

Jul. 26th, 2019

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Jayson Donley McAllen, TX

We the clients need to be more informed on the negotiation process Decisions are being made for us without getting further input from us Every case is different and personal financial circumstances are always changing Some negotiations aren’t being made due to not enough funds in my account If they would reach out to me I could make an effort to acquire more money through my family so that the negotiations will be made and my creditors would begin to get paid off sooner. No negotiations means more accrued penalties in the form of late fees and interest This in turn makes my balances go higher and when there is a negotiation on the table you are also negotiating the extra penalties owed and basically I’m not getting that much of a mark down and not saving as much Need to stop the bleeding so that the client can truly get a good deal out of the negotiations

7 years ago

Reply from Freedom Debt Relief

Thank you for sharing your feedback, Jayson. Our team would like to extend an apology to you regarding your experience. The program is a hardship based program and we work hard not to ask clients for additional funding as this can cause additional strain. We encourage clients to increase their draft amounts if they can afford to, at their own discretion. A member of our team will be reaching out to you shortly to discuss your account.

Jun. 13th, 2019

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Shawn Lisi Canastota, NY

I'm a current member as of 2016. Now yes they are extremely nice when you are paying them the money and not asking questions. When I got down to my last creditor which was Chase, and before I started Chase was willing to work with me but I wasn't sure I could because as you see the company says $10,000 or more in credit. If I took Chase off it would be way under. Now they just got back to me saying Chase would settle (it was for the same amount that Chase told me 3 years ago) and my fee's where $1,340 now I've been paying fees on others, as well. If they say 20% it's actually more like 30-35% which is more than lawyers make. They have not been as nice or willing to really listen to me when I call and ask simple questions they just read from a script. I have enough money in my account that I could have this paid off by July August at the very latest . Now they say I have to pay until March of next year, and all I was asking is if I get enough money in my account can I stop paying you and you just keep paying Chase ? I just kept getting the run around. I'm not happy I believe in their notes on their computer they are told how to handle me or there are notes about my complaints and told to just give me the run around. So thank you I'm glad at some point this will be over, but I will never recommend Freedom Debt relief to anyone.

7 years ago

Reply from Freedom Debt Relief

Hello Shawn,

We’re so sorry to hear you have had a negative experience. Could you please send us your contact information in a private message so we can look into this further and have someone contact you?

Apr. 11th, 2019

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Carla Plains, MT

I've been with FCR almost a year. In that time they have accumulated around $6000 of my money to pay debts, settled 0 accounts & allowed one of my smallest accounts to go into collection even though they had $ & ignored a settlement offer warning that I'd go into collection if I didn't respond! They didn't respond, my credit has been hammered! " Wish I would have been better informed about how bad my credit would get during the process" - a comment with sentiments I share. Not happy & not sure where to go? This is the best nationally recognized debt relief company on the web. Can't recommend this company.

7 years ago

Reply from Freedom Debt Relief

We're sorry to hear of your disappointment regarding our process. Please know that the negative impact you are currently seeing to your credit score is temporary. Once we are able to resolve the account balances with the enrolled creditors, the balance may be reported as settled, settled in full, paid, paid by settlement, or settled for less than the full amount. You no longer owe on this account and the balance is zero. That debt is behind you and your credit report shows it.

To address your concerns regarding our negotiation efforts, a team member will be reaching out shortly, using the contact information we have on file. We appreciate your honest feedback. Thank you for allowing Freedom Debt Relief the opportunity to service your financial needs.

Mar. 21st, 2019