Freedom Debt Relief Reviews

Thank you so much Freedom Debt Relief. I have peace of mind that I will finally see a light at the end of the tunnel. I don't feel so overwhelmed. Any time I call with a question, customer service couldn't be more helpful. I am so glad I found their program. I look forward to the day when I will finally be debt free! I know that with your help that it is now possible.

Bottom Line: Yes, I would recommend this to a friend

I think this is a good program. The people are helpful and have very good customer relations. It was easy to start; they walked you through it step by step.

I would recommend it to anyone who would like to get out of debt.

Bottom Line: Yes, I would recommend this to a friend

Every time I phoned, the reps were very understanding to my anxiety over my debt. I would recommend this company to all. I was able to pay off several accounts that were in Freedom. When I phoned, they were happy to say great job breaking down my debt. I feel so much better after dealing with Freedom Debt.

Bottom Line: Yes, I would recommend this to a friend

Even though the process isn't fast, I am seeing results and see a clearer light at the end of the tunnel I've been in@ Everyone is helpful and encouraging. I get monthly updates on the process.

Bottom Line: No, I would not recommend this to a friend

Enrolled in this program 2 years ago. Unlike others, we DID sign up for the legal services at $12 a month with National Litigation Law Group.

After fees, and the negotiated settlement, we ended up paying 111% of the balance we originally owed on that account that our creditor sued us over. So, don't believe that the litigation services are going to help you. We have paid faithfully into this program for the past 2 years, trusting in this company to advocate for us.

According to their dashboard, we have 3 more years to go. I am researching other options. On their dashboard, they show the amount they have ”saved” you in negotiated settlement, but you have to click deeper to learn that when you add in their 20% of the original balance fee, you've actually ended up paying about 60%. Or, in the case of that one account of mine, 111% of the original balance.

I am so incredibly angry. We had a lot of accounts and were overwhelmed, which is why I originally signed up with them. Now, after having looked in detail at what they are actually doing with my money, I see that they play on people's fears and desperation and you end up worse off than if you had tried to negotiate with the creditor on your own.

They let your account balances increase because that account balance is what they use to calculate their fee. They let your accounts go to collections because it makes them more money to drag things out. We have had 3 of our creditors serve us with summons that they are suing us.

It's clearly not true when they tell you that they get a better settlement for you because of their negotiating power, nor that they will communicate with your creditors. I know precious little, but I've educated myself enough in the past 30 minutes and mustered up the chutzpa to negotiate a better settlement than paying 111%.

My taxes were filed. I was getting nearly $800 back in a refund until I got my form from FDR for the 'debt forgiveness income' THE DAY BEFORE TAXES HAD TO BE FILED. I had to file an amended return and ended up OWING $240 on my taxes. Think about that for a minute.

Not only did FDR negotiate settlements for me and charge me fees that had me paying 84% of the original balances of my debt (and actually it was MORE than my original balances, because they let interest and fees rack up to inflate the fee they would be able to collect), they cost me my $800 tax refund PLUS $240, my credit is trashed, and I've been sued three times.

Do not have them help you. It is NO HELP. On the positive side, I can say that any time I called customer service, I felt real good after I hung up the phone. FDR trains their customer service well to reassure you and make you feel wonderful while they take advantage of your poor financial choices and/or desperate feeling situation.

Bottom Line: No, I would not recommend this to a friend

I joined the program having never been late on one payment. After a call to Chris Karen of Freedom Debt financial, I was convinced this program was for me.

Everything went well for 4 to 6 months; I made my monthly payments without fail. Then I received an offer from their "sister" company Consolation Plus that I did not want a personal loan at 22% interest, as it was as much if not more than my credit card interest. After refusing their loan, it started. I was sued three or four times.

I was told not to talk to my creditors so I asked my "representatives" at Freedom to explain to my creditors that they'd get their money and not to sue, but they did NOT! My program lawyer called me one day before a trial I was supposed to begin to tell me that I needed to come up with three or four hundred dollars or my checks would be garnished. Then they proceed to tell me that if I'd pay my bills, I would not be in this position!

I take the personal loan, they pay off my creditors, and then yesterday, April 15, I receive to my house via priority mail from Freedom Debt financial one 1099-C form that after a call to Freedom Debt to find out why they would hold a tax document (that I'd already called the IRS to find out should have been mailed by my creditors by February 15), and Freedom Debt had (since March 15) lied and refused to acknowledge that the postmark is April 13th and they've sent via priority mail. They say it's been put in the mail a month ago and it's not their fault that the US Post Office took so long to deliver it.

The only problem is I live in AZ! That's 129 miles from where the Scottsdale, AZ address my creditor mailed it to them at! Oh, and come to find out there are four 1099-C tax forms of mine they held on to for over one month! It's all a huge scam to get you to take a consolidation loan. Do not believe these crooks!

Bottom Line: No, I would not recommend this to a friend

I started a little over six months ago in the Freedom Debt Relief program and was very skeptical at first about doing it. I'm glad I did. Every person I talk to when I need them truly wants to help you succeed in the program. It may take up to six months before you get your first settlement, but it's not because they are not trying. You have to get enough money in your account so they can work their magic. Their customer service team has always been honest and upfront with me from the get-go.

Bottom Line: Yes, I would recommend this to a friend

I thought I was being protected in this program, but it's awful. I am more stressed out in this program than I was before I started it.

I got a summons to go to court, and Freedom Debt Relief asked me to get the court date changed so I did, and they had another six weeks to work on it, and still nothing is worked out. My second court date is in less than a week, and still, nothing is being done.

Another thing is that I thought I was enrolled in legal counsel and I was not, so I have to go to court without legal services and lose half a day of work that I can't afford to miss. There is more than enough funds taken out of my account to settle this one; I have been in the program for five and half months. Please check into other companies before you choose. Do your research.

Bottom Line: No, I would not recommend this to a friend

Freedom Debt relief has tremendously helped to "relieve" so much stress for us. All representatives have been extremely professional and have been understanding of our personal circumstances. They have helped to resolve our outstanding debt with creditors and have been instrumental in putting into play a fair plan for repayment that satisfies all parties. Thanks FDR!

Bottom Line: Yes, I would recommend this to a friend

It has been going great so far with two accounts settled and paid (don't forget that forgiven debt is taxed!) and was on my way to complete it in 2018. Last month I noticed my program end date shot up from 2018 to 2022 unless I pay more. I'll keep this updated since I recently contacted customer service.

Bottom Line: Yes, I would recommend this to a friend

In the beginning, I was happy with the representative. I thought all the creditors were informed. Then I get a summons that I am being sued by a creditor. I tell Freedom Debt Relief and am told they cannot handle it because I did not sign up initially with their legal department. Now I have to handle it on my own and get an outside lawyer.

I also informed them about my payment amount and for them not to increase it. I called several times and sent an email. Of course, no one listened, and they increased my payments, causing me to stress ion getting the extra funds back into my account.

One account was reduced by Freedom Debt Relief, but the rest of my accounts are in worse condition since joining this group, and now I am more stressed than before. I need to check out another group to help me.

Bottom Line: No, I would not recommend this to a friend

I was hesitant at first in using Freedom Debt Relief, as with any and all debt relief programs, but they have been great, from the customer service to the ease of the website. I am hopeful of the future of my finances finally, and getting a hold of them.

Bottom Line: Yes, I would recommend this to a friend

Upon entering the program, I had a customer service person who really took great care of me. After I actually signed up with the program, everything has been crashing down.

What they DON'T tell you is that you will MOST LIKELY get sued by the creditors! I have experienced four so far and a lien on my property. Oh, and also, you WILL be getting forms (after the settlements on accounts) that show the DIFFERENCE (saved amount) and you will have to report this amount as income on your taxes when you file them!

And, though the attorneys representing FDR through NLLG are legit, they are only limited to a certain amount as well, and the fees that pay them (from your account) on a monthly basis, are CRAZY. Now, I realize people need to get paid, however, I was CRAZY trying to keep my head above water BEFORE entering into the FDR program.

Now, well, my advice is: DON'T do it! Try and handle things yourself in any way possible. I have been on the phone for three days STRAIGHT trying to get a litigation settlement payment from my account straightened out, and all I have gotten is, "I will handle it," but NOTHING has been done.

They keep raising my payment amount and auto withdrawal when there is a settlement. I started at $300, to $486, and to now $526$! Really? Not to mention my credit score it bottomed out. If you want a real person's advice, stay away!

Bottom Line: No, I would not recommend this to a friend

Although I've only been with Freedom Debt Relief for a few months, I'm already getting results. Within the first month, I received a message from FDR stating that they had settled with one of my biggest debtors for a 50% decrease. I am very happy with the results so far, and FDR has done everything they said they would do. Thank you and let's forge ahead!

Bottom Line: Yes, I would recommend this to a friend

Progress is in motion, and I feel good about Freedom Debt working with me to get me back on track.

Bottom Line: Yes, I would recommend this to a friend

I would do it again in a "New York minute!"

Bottom Line: Yes, I would recommend this to a friend

Freedom Debt Relief has been wonderful in every way.

When I first called they explained the process to me, and it has worked exactly as they said from day one. They are in the process of resolving my debt as promised. I did exactly as they suggested and sent notice to all the creditors and I have not had a single phone call from any of the creditors.

Freedom Debt Relief took the STRESS out of getting my debts resolved.

Bottom Line: Yes, I would recommend this to a friend

I think Freedom Debt Relief is working hard to help me get back on the right track, but I personally just don't think it's moving as fast as I thought it would on the smaller debts! I was told that after a 120 is when they would go after Synchrony bank debts, but I had to call Freedom Debt well after four months (it seems like) before I received any word on my first settlement!

Bottom Line: No, I would not recommend this to a friend

They have terrible customer service. I've already called three times to get a simple email, but they can't seem to do it.

Bottom Line: No, I would not recommend this to a friend

If you're thinking of trying this, don't do it.

You are paying this company to negotiate a lower rate or pay-off, and for what you pay them, you may as well negotiate it yourself. It will be half the price.

It was two years ago that I pulled from Freedom Debt Relief. One of my credit cards was down to one payment, and they didn't pay it. When I inquired as to why, they said they didn't have enough money in my account. At the beginning, they told me what monthly payment I would need, and I didn't miss a payment. They didn't even bother to call me and tell me that it was not paid.

Now, two years later, I again am being bothered by a debt collection agency for a debt that should have been taken care of two years ago. For $250, that should have been paid by Freedom Debt Relief.

Bottom Line: No, I would not recommend this to a friend

We used Freedom Debt Relief for 18 months and then decided it wasn't worth all the fees they were charging. It turned out to be too expensive, so we decided to file Chapter 11 bankruptcy.

After terminating my account, they continued to text me with settlement requests and also took money out of my bank account three week's after I terminated my account. I spoke with three different supervisors and each time was assured the account was closed, and no money would be taken out. They lie, or they do not communicate with their own bank (Crossroads Financial). I had to call my bank and pay $30 for a stop payment against them, as well as file a claim to get back the money they withdrew from my account.

BEWARE! My bankruptcy lawyer says they are a scam, so use them at your own risk. They are very friendly until you want to close your account.

Bottom Line: No, I would not recommend this to a friend

They are a wonderful company, and they really help in getting your debt paid off. If you are having problems, they will really help you.

Bottom Line: Yes, I would recommend this to a friend

I've been in the program for nine months. One account has been settled, and progress is being made on the others.

Bottom Line: Yes, I would recommend this to a friend

Have any of you looked at ways of reducing your debt?

My name is Michael Boyd. I am a married with three children, one of which has a muscle disease. I had $60,000 plus in unsecured debt. Like you, I was very skeptical and scared on who to choose to help me or what to do. Having a lot of debt is stressful to your mental well-being and your marriage. I had to choose between whether to file bankruptcy or choose a debt negotiation company. I bet you are getting several loan consolidation offers in the mail, only to be turned down later.

Well, if you choose bankruptcy, it will appear on your credit record for several years. You will have possibly the embarrassment of it posted in your local paper as a public record. You will need to find a lawyer and have to spend money and pay her or him possibly thousands of dollars.

I chose an excellent debt negotiation company called Freedom Debt Relief. The company has lawyers to represent you in the case of a lawsuit that rarely happens anyway. The more likely case is they also represent you when creditors are unwilling to cooperate with you. Like bankruptcy, your credit rating will go down, though your debt will be paid in a few years versus a lifetime of just making minimum payments if you choose to do nothing. Your credit will repair itself. You have to make some sacrifices for financial well-being. Your main goal is not to use credit cards anymore, right?

Freedom Debt Relief has already negotiated with several creditors and reduced over 50 percent of what I owed originally. They are quick to respond. They are quick to answer.

They will negotiate a payment plan that suits your income and needs. The payments are much lower than what you were making with minimum payments to your credit card companies.

Most of all, they are quick to work for YOU and negotiate your debt

My main contact is Chris Keyes that works with Freedom Financial Debt Relief program.

Do it now. Call Chris Keyes. Tell him his client Michael Boyd referred you.

Chris Keyes | Director of Underwriting | GreenLink Financial |

16808 Armstrong Ave. Suite 220 | Irvine, California 92606 |

Office (949) 396-0911 | Fax (888) 850-7447 |

Keyes@greenlinkfunding.com | www.greenlinkfunding.com |

Bottom Line: Yes, I would recommend this to a friend

I am very pleased with the way things are going. In less than a year they have started settling loans, and since my credit rating was dropping, it has now started rebounding.

Bottom Line: Yes, I would recommend this to a friend

This a scam. If I can pay their $9,000 fee, I can pay the creditors!

I emailed my cancellation the day after I started this process and six days later they still took out $647 out of my checking account. I am having a tremendous time getting my money back. They claim that they require you to call to cancel, but the CONTRACT says you can do this by email, mail or delivery. When I questioned them (call center), they didn't care what the contract said.

RUN, this is a scam!

Bottom Line: No, I would not recommend this to a friend

Calling Freedom Debit Relief was the best decision I have made. Every person I talked to was beyond kind and understood my situation.

I signed up with them in August and by October all threatening phone calls stopped. By November, they already had two of my accounts in negotiations, and one was paid off in December. My credit score is on the rise!

The website is very easy to understand, and they show you your progress. There is an option to pay extra to get your debt paid off quicker with no penalties.

Amazing company, with amazing people that truly care.

Bottom Line: Yes, I would recommend this to a friend