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.
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 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 Nov. 21, 2025
Freedom Debt Relief offered me the best rate on the help they were giving me. So, I signed up with them. Everybody who helped me so far through this journey has been absolutely incredible and kind. Nobody's been judgmental and so far, the program's negotiated me way down. So, I am grateful for the help they've given. The communication with Freedom's reps has been been super easy, along with I've been able to access my information on the app. Emails and text messages have all been very clear and super useful. I love the text messaging option for confirmation on negotiation options and that has been my favorite part. I've had people ask me about the best way to consolidate their debt or to get help negotiating down their debts, and I've recommended Freedom Debt Relief to them.
I started seeing improvement on my credit score right off the bat as soon as I made my first couple of payments, which was awesome. My score has already grown 100 points and it's been a year. So, that's been a huge benefit of working with Freedom. They're considerate, given the touchiness of the situation, and they are easy to utilize if you just stay on your payments. If I have problems, my questions get answered quickly and concisely. Everyone's always really easy to understand and they know their business.
Thank you so much for this wonderful review! Hearing about your 100-point credit score increase and how our compassionate team and clear communication (especially the text feature!) helped you reach this huge milestone is incredibly rewarding. We are honored by your trust and your recommendation!
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.
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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 March 6, 2026
I was really deep in credit card and personal loan debt, and I needed Freedom Debt Relief's help to get out of it. Right now, all of those debts are in process or have been paid off. I don't have any creditors on my back anymore, which feels like an immense relief. I started going to them for a consolidation loan. They instead offered to do debt settlement for me. They explained the process. I gave it a try. My credit score crashed and burned, but that was gonna happen sooner or later because the amount of debt I had means I couldn't service it all at once, and it was gonna eventually become too much for me to handle. I took it on and so far, my debts are getting consolidated and paid off. The rest is history.
I make two deposits a month in order to get the debts consolidated. FDR negotiates with the creditors. They come to an agreement. I sign off on the agreement, and then we start making monthly payments to those creditors. FDR does very good service. They've been prompt with answering my questions and prompt with getting back to me. I appreciate that they're transparent, that they actually did what they said they were going to do, and that they didn't lie to me or sugarcoat things. They said they were gonna do a service, and they provided that service. I'm very happy that that was what they did.
Thank you so much for sharing your story! We know how heavy that 'immense relief' feels when creditors stop calling. We truly appreciate you highlighting the reality of the process—while it’s a tough road for your credit score initially, we’re so glad to be your partner in getting those debts resolved once and for all. Keep up the great work!
Reviewed Feb. 11, 2026
When I talked to the representative at Freedom Debt Relief, they were very assuring. They took all my questions and walked me through it. They didn't rush me to make a decision. I went with them and they saved me $5,000. I was able to do a loan with Achieve where Freedom Debt Relief was able to settle all my debts to help bring my credit back up which was my main concern because your credit goes in the tank when you stop making payments. It was reassuring to know that I had the opportunity to do the loan with Achieve where everything was paid in full. Now, all I'm having to pay is that one loan back. It was going to take five years to do, but now, I'll be done in two more years. It took time off of what it originally was going to be which is nice. You feel like you're getting your life back a little bit quicker.
The scariest thing was when I was served papers at six o'clock in the morning at my home. I had a sheriff come up to me and I was not expecting that. It made my heart sink. I really thought I was in big trouble. I called Freedom Debt Relief immediately and was panicking about it. They reassured me that everything was fine. They asked me to send us all the documents I was given, and I was able to send everything into them. By 3:30 that afternoon, the lawyer contacted me and reassured me that everything was good, that it happens and it was not out of the ordinary.
Thank you so much for sharing your story. We know how heart-sinking it can feel to deal with legal papers, and we are so glad our team and the legal partners were able to step in quickly to give you peace of mind. It’s wonderful to hear that your Achieve loan has shaved years off your journey. We’re proud to be part of you getting your life back!
Reviewed April 28, 2026
Very Nice staff, very easy to understand instructions. I'm happy I found Freedom Debt Relief. Would recommend Highly. I really liked talking to Jamie. She was very nice and got my Debt relief program started the same day.
We are thrilled to hear that Jamie made your experience so smooth and got you started on day one. I’ll be sure to share your feedback with her—it’ll make her day!
Reviewed April 28, 2026
This has given me such a sense of relief. The credit card interest rates were out of control even paying all of them with 100% repayment. The principal and interest were both rising beyond my wallet. Freedom Debt Relief took care of everything from auto pay to negotiating and settlements at 1/2 or more than we owed.
Hearing the word relief is exactly why we do what we do! We know how suffocating rising interest rates can feel, even when you're doing your best to pay. We are so glad we could help you negotiate those settlements and give your wallet some breathing room.
Reviewed April 27, 2026
Best decision I have ever made to date when it came to my wife and I getting out of debt. We have peace of mind now knowing things are being taken care of. Everyone is super nice and really informative about what they do. I would absolutely suggest FDR to everyone I know.
This is what we love to hear! Thank you for trusting us with your journey to debt relief. We’re so glad our team could provide the clarity and peace of mind you were looking for. Best wishes to you both!
Reviewed April 27, 2026
Working with FDR was easy. I had to stop payment a while back because I didn't have the money to pay Freedom Debt Relief. I was on short-term disability. So I got to start back up with them again. Hopefully, they'll give me a lower payment.
We aim to make the process as easy as possible, especially during difficult times like the one you've just navigated. Our team is committed to helping you succeed, and we look forward to reviewing your account to ensure your payments are manageable for you moving forward. Please contact our Client Services team when you're ready.
Reviewed April 26, 2026
Since signing up with Freedom Debt Relief, I have experienced consistently timely, concise and regular updates on my debt consolidation process. Since August 13, 2025, when I originally signed up, three of my four accounts requiring assistance, have been satisfactorily resolved. The fourth and largest balance is now in negotiation, and I am confident it will be resolved very soon.
Seeing your success is the best part of our day! We're so glad to have resolved those three accounts for you already. Thanks for trusting Freedom Debt Relief!
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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