Freedom Debt Relief Reviews
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About Freedom Debt Relief
Freedom Debt Relief is a nationwide debt relief company that provides debt settlement services and client education. The company requires applicants to have at least $7,500 of unsecured debt. Its fees range from 15% to 25% of enrolled debt, depending on the state where the client lives and the amount of debt they enroll.
- No fees until settlement reached
- Highly rated customer service
- Works with high debt amounts
- Can lower your credit score
- Some reports of communication issues
Helpful Reviews
What is Freedom Debt Relief?
Founded in 2002, Freedom Debt Relief (FDR) specializes in debt resolution services, also known as debt negotiation and debt settlement, for those grappling with overwhelming debt.
If you have $7,500 or more in unsecured debt, FDR will work to help you negotiate a settlement with your creditors for as low as 50% of what you owe.
How Freedom Debt Relief works
To get started with Freedom Debt Relief, you must have at least $7,500 in unsecured debt, meaning debt not backed by collateral, such as a house or car. If you qualify, you’ll speak with a consultant or complete a digital enrollment process. Based on your information, the company will create a personalized debt relief plan.
FDR’s program length typically ranges from 24 to 48 months, and you can track your progress through the online dashboard 24/7.
If a settlement is reached with a creditor, FDR will ask you to approve it and then charge a fee based on the enrolled debt. Fees are only charged after a settlement is approved.
Freedom Debt Relief cost
Freedom Debt Relief’s fees typically range from 15% to 25% of the enrolled debt. When you apply, a certified debt consultant will review your case, and you’ll get an exact percentage and a monthly cost. Fees vary depending on the state you live in and the amount of debt you enroll.
Freedom Debt Relief doesn’t charge upfront fees. Instead, fees are charged after a debt is settled, and you must approve each settlement before any fees are applied.
FAQ
What types of debt can Freedom Debt Relief help me with?
Freedom Debt Relief can help you with unsecured debt. Some common examples include credit card debt, medical debt, private student loans, unpaid rent and personal loans.
How will Freedom Debt Relief affect my credit?
As with all debt relief and settlement programs, working with Freedom Debt Relief will likely negatively affect your credit in the short term. Over time, your credit may improve as you pay off or settle debts.
Is Freedom Debt Relief a debt settlement company?
Yes, Freedom Debt Relief’s program involves negotiating debt settlements with your creditors.
Does Freedom Debt Relief offer loans?
Yes, Freedom Debt Relief may offer debt consolidation loans through affiliated companies. As part of the evaluation process, it may recommend alternative options to debt settlement and refer you to partners like Achieve Personal Loans or Achieve Home Loans.
Where is Freedom Debt Relief located?
Freedom Debt Relief is located in San Mateo, California, but it serves customers across the country.
Still have questions?
Is Freedom Debt Relief legit?
Yes, Freedom Debt Relief is a reputable company with a proven track record. Customers often report positive experiences with customer service, particularly regarding communication and support provided throughout the process. Many also say that they would recommend the company, citing progress toward resolving their debt.
While all debt relief services will likely cause a negative mark on your credit report, Freedom Debt Relief professionals can assist in negotiating with creditors on your behalf. Though debt relief companies’ fees tend to run high, it still may cost you less than paying the debt in full.
Freedom Debt Relief Reviews
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Reviewed May 27, 2026
I saw Freedom Debt Relief on our local news page that they had on the internet. I didn't realize I had as much debt as I had and when I was putting all the numbers together, I realized I couldn't doing it alone. I've borrowed money and paid off the credit cards before and I didn't want to do that again, so I called Freedom Debt Relief and they were able to help me. They would negotiate with my debtors and try to decrease what I owed them, so that I could have a settlement and get out of debt. They were really good. When I first called, I didn't expect to be on the phone for an hour, but I was. They explained everything. Then as I had a question in my head, they were answering it on the phone. I tracked my progress on my dashboard at FDR, which is where you go to check out your account, see if there's still anything pending or what they're going to do, and how things are progressing. So, everything was there for any questions I had.
This experience forced me to come to terms with my own debt and realize that if I keep doing this, I'm going to be in debt for the rest of my life. So, it was at that point that I was going to be able to get out of debt again and try to get myself back on track. So, they were most helpful. I would also advise somebody to take that route because I have taken out a loan before, and it was just much easier to go through this way.
We truly appreciate this detailed feedback! We know that the first step is often the hardest, which is why we prioritize thorough consultations—even if they take an hour—to ensure every question is answered. It’s great to hear that the negotiation process and your client dashboard have made this journey easier for you than traditional loans. Congratulations on taking control of your future!
Reviewed April 8, 2026
It was a very good experience with FDR. They explained things very well. They were on our behalf. And they were just a good company. They did what they said they were gonna do. We had so much debt because of the circumstances. On each of those credit cards and things that we owed, the interest rate was so exorbitant that we were never going to be able to pay them off.
We decided to go with Freedom Debt because we wanted to pay our debts off. We didn't want to shirk our responsibilities, and we did not want to go bankrupt. We did try to negotiate a better interest rate with each of the credit cards that we owed, but they would not even talk to us. They wouldn't offer us anything, even with us saying we are just wallowing in this.
What Freedom Debt did was, they went to each of the creditors, and they negotiated the price and what we owed down. They took that exorbitant interest rate off, and then they were able to negotiate, and we were able to pay those. Then, once we got further on into their program, they have another branch, or their company called Achieve, and Achieve came in, and then negotiated more. Achieve negotiated with each of those credit card companies, the remaining ones, and then paid them off. Now, they have essentially gone and paid off all of those left, and then we just owe what is remaining on them to Achieve.
They were always wonderful. There was never any judgment. There was never any condescension in their voices. It was all complete understanding. The last person we worked with was Reuben. I am not computer-literate at all. And there were a lot of things that I had to upload, having to do for him on the computer, and he would walk me through it literally step-by-step. They were just so respectful, patient, and kind. Freedom Debt has a great website, too. It was very helpful. And if you ever had a problem, then there would be an online person to help you. My experience with FDR was wonderful. They helped me at a time when we really needed help.
Thank you for this beautiful review! We are so happy to hear that your experience with FDR and Achieve was a positive one. Our goal is to provide clarity and support every step of the way, and we’re glad you felt that from our team. Congratulations on your progress toward a debt-free future!
Reviewed May 17, 2026
Freedom Debt Relief helped consolidate my credit card debt. Their people have always been helpful. Customer support is always good. One thing that could be improved is the settlement time. With the last one that we settled, we ended up doing it the way I felt like some of the other ones could have been done sooner. It was the only way to do it though. So, we did it that way. They deposited some money in my check, and then I paid the credit card. All the other ones, they had to pay them off, and they wouldn't give me the money to pay them off. The way the rules are written, they're the ones that cut the check to the credit card company, and now American Express just refused to do that. So, ultimately, they got down to where we had that settlement, and they said, "Look, will you settle for this amount? You think they'll settle for this amount?" I said, "Well, I think I can get them a little bit lower than that."
They deposited that money that they agreed to settle on in my account. Then when I talked to American Express, I was even able to get American Express to come down another $300. So, it's less than what they thought. I just feel like some of that could get done quicker and cheaper. It was a good experience overall. They had a number I could call. I had an app on my phone that kept me updated. Also, I learned a lot through the process.
Thank you for taking the time to share your experience! We are thrilled to hear that our customer support team and mobile app kept you well-informed and supported throughout your journey. We also appreciate your feedback regarding settlement timelines. Creditor policies can sometimes require unique workarounds, but kudos to you for your resourcefulness in negotiating that extra $300 in savings with American Express! We are always working to streamline our processes and appreciate your feedback.
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Reviewed April 29, 2026
I was in dire straits with money and had no way to pay my bills, and Freedom Debt Relief seemed like a company that could help me structure what I had to do. They did a good job and were honest. I had dealt with another company that got me into a loan and messed up my credit, so I was very comfortable talking to Freedom and putting my money there. They were going through the motions as they said they would, and when I called, I could always get somebody. Signing up was very pleasant. The people were sincere and knew what they were talking about. I gave them a full summary of what was going on in my credit history, and as I went along, whoever I spoke to could get right into my file and help me. They were all thoroughly complete with their job and knew what they were doing. It took a lot of tension off me.
My dashboard has all my enrolled debt, dedicated account, program, resources and customer service. It gives you the phone number and if you call, they'll put you right through to an agent who can help. They don't assign anybody particular to your case, but they all know what they're doing. When you call, they go in and get right to it. They focus on what you need and help you.
So far, Freedom has paid off one account with JPMorgan Chase Bank and they sent me all the records. Their customer service has been excellent, and the representatives are professional, kind, and helpful. Working with them made my life a lot less stressful and reduced the calls from creditors once I told them I was affiliated with the program. Freedom Debt Relief does not charge you personally. They work their price with the bank that you're dealing with and it comes out of the total payoff. Everything has felt comfortable and not fraudulent. I trust them and am very pleased with the outcome and the way things are going.
We are so happy to hear you’re feeling less stressed! Thank you for your kind words about our team’s sincerity and professionalism. It’s a pleasure to help you navigate your path to financial freedom, and we’re glad you’re enjoying the program tools.
Reviewed April 20, 2026
Freedom Debt Relief has helped in giving me peace of mind every month and bringing these debts down, over a course of time, as long as I make my payments, I feel comfortable. I could have done several other things. But I reached out to FDR, because after a lot of research, I have found out that they have a lot of good reviews. I'm just gonna go from there. Also, they were able to give me a monthly exact, not going to fluctuate up or down or anything like that, and settle and pay over so many months. I do not know yet how that's gonna affect me, and I'll figure that out as they go. I'm comfortable with my decisions. I didn't know what was going on until FDR billed this, up to the person to continuously look at their dashboard and read all this, which is cool, and putting the number in for the phone calls.
The thing that tripped me out was Jen from my text message. At first, it looks like spam, or it could look like the bank trying to dupe me into something. I have since figured out that they should put in that if you get a text message from Jen from Freedom Debt Relief that it's official. The first time I got a text message, my jaw dropped because I was, "Are they trying to dupe me into something?" From the other bank system. But since then, when I went to call FDR back, it was official. That first text message threw me for a loop. But I became very comfortable knowing that they are doing something good, and it's not gonna raise my monthly. I want to settle. I tried for two years and made payments to Bank of America, but I was never gonna get out of the hole.
We know how stressful it can be to tackle debt, and we’re so glad we could provide a path forward that feels comfortable for you. Thank you for the heads-up about your experience with our text messages—navigating the world of debt relief requires a lot of trust, and we never want a client to feel 'tripped out.' We're glad you're here and look forward to helping you reach your financial goals.
Reviewed April 12, 2026
I was in such bad shape with debt that I needed some help. I saw Freedom Debt Relief and called them, not thinking I was going to use anybody, but then I decided to go with them based on how they presented everything and made everything seem easy. I signed up over the phone and it took 20 minutes or longer. I had to give them some information, so they can do a credit check on me. They gave me a dollar figure of how much they would take out every two weeks, and I was able to set it up to where every time I got paid so I didn't have to worry about it. The fees seem to be reasonable and the service has been good. So far, they've negotiated three out of seven cards and saved roughly 40% to 50% on each.
When I get letter or some kind of communication from one of the cards, I email it to Freedom Debt Relief, and they generally reply within a day or so that they got the information and put them on file. I never heard from those people since I sent the letters out at all. So, they must have taken care of it. The Freedom Debt Relief consultant was easy to deal with, and she answered my questions. She did her job and she was very helpful. Overall, Freedom Debt Relief has been easy to use and they did what they said they're going to do. So far, it's worked for me.
We are so happy to be part of your journey! It’s great to know that your consultant made the enrollment process easy and that our bi-weekly setup is helping you stay on track without the stress. Saving 40% to 50% on those first few cards is a huge win—congratulations on the progress you’ve made so far!
Reviewed April 5, 2026
I was in a lot of debt with credit cards. Then, I figure, instead of filing for bankruptcy, let me go to Freedom Debt Relief. So far, they're wonderful. A good experience is that they're trying to knock my credit card debt down. And when they did some of them, they called me up right away and said, "We resolved the problem. Do you agree with this, yes or no?" and I'd say yes. It's wonderful that they can come to a compromise.
I'm disabled, and I have a lot of problems, and they finally did something for me. I had a judgment against me, a settlement, and I gave people a good-faith offer for Bank of America, and I would keep paying that $75. But then, all of a sudden, the law group called me up and said, "No more $75. Your agreement is to pay $470 a month." I don't get that much from my Social Security check. Right away, I panicked. What I did was I called Freedom Debt Relief last month and talked to them. Now, I'm paying 142 a month coming out of my check. But now, it's gonna be 290. I can't swing it. I might have to cut myself off with some groceries.
I made a good faith gesture with the company and told them, "The only thing I could pay $75 a month till a bill gets paid," and they said, "Okay." They agreed with that. But now, they said, starting April 15, it's going to be $470 a month. I don't know where they get that figure from. FDR's gonna help me. I think it's wonderful. They're doing such a great job for me. The only thing now for the creditors is that I keep my phone on do not disturb because they keep calling up and asking me. Freedom told me, "When they call, you don't answer them. Or if they annoy you with letters, you just tell them that you can't afford it and you'll pay as soon as you can." So, FDR took over. That's what they told me to do, so that's what I'm doing. But I feel better that I'm doing it.
We appreciate your kind words and are so happy to hear you're feeling better about your financial future! Navigating creditors while on a fixed income is a challenge, and we’re proud to stand in your corner. Regarding your comment about your new payment amount—we never want you to have to choose between your program and groceries. An account specialist will be reaching out to you soon to review your options.
Reviewed June 2, 2026
I could not be happier with Freedom Debt. I was so afraid of losing everything and they talked to me through everything and had helped in so many ways. They’re a blessing. They will talk you through every step of the way and give you the best possible monthly payment. I haven’t even been on it eight months and already have three settled.
"Thank you so much for sharing your story! We know how incredibly stressful dealing with debt can be, and hearing that you feel supported and relieved is the absolute best reward for our team. Cheers to securing three settlements in less than eight months—that is amazing progress! We are with you every single step of the way.
Reviewed June 1, 2026
They helped me with my debt, and they were very concerned. I would recommend them to anybody. They took a small payment every two weeks to pay down my debt to help it be worth free. It is worth it to check it out.
Thank you for your feedback! We design our program to be as stress-free as possible, so hearing that the bi-weekly schedule worked well for you is fantastic. We appreciate your recommendation and wish you all the best!
Reviewed June 1, 2026
Very helpful customer service. No problem. Thanks Pamela. Have a good day. Hope to be debt-free. Hardship put me in this position. Hope I will be treated as a person not a number. Have a good day Pamela.
Thank you for sharing your positive experience. We're so glad our team could assist you effectively during tough times. We believe in treating everyone with sincere care and prioritize your journey to financial freedom. If you have further questions, the client services team is ready to assist whenever needed. We look forward to supporting you every step of the way.
Reviewed May 31, 2026
They need to do their end work on all accounts. Someone is not contacting all my debtors because I'm getting offers to SETTLE! Why I'm paying you for what I can do. I followed all the setup steps. Now I don't know. One creditor knows I'm using your company so what's the problem.
Hi Jeffrey, we hear your frustration and want to get this squared away for you. Creditor communication timelines can vary, but you shouldn't feel like you're doing the heavy lifting alone. Please contact our client success team at 800-655-6303 as soon as possible so we can look into your specific accounts and ensure you are set up for success.
Reviewed May 30, 2026
Everyone was very helpful and easy to work with. My questions and concerns were all answered to my satisfaction so that I could understand exactly what was going on and that I could always call back if I needed more understanding. It was a pleasure to work with Freedom Debt Relief, I felt that they were a reputable company that had my welfare in mind and would take good care of my finances. I feel that I have make a good choice.
Thank you for your trust and your kind words! Knowing that you feel supported and confident in your decision means the world to our team. Please don't hesitate to reach back out if you ever have more questions down the road.
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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