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Freedom Debt Relief
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2.6 73 Reviews

Freedom Debt Relief Complaints Summary

14 Resolved
44 Unresolved
Our verdict: When using services from Freedom Debt Relief with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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Freedom Debt Relief reviews & complaints 73

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5:28 pm EDT
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Freedom Debt Relief I think some reviews that are only 1 star are missing the point of this program

I think some reviews that are only 1 star are missing the point of this program. We joined because we were really behind with our creditors. Thats the point of the program. Your credit will most likely already be in trouble and it may stay that way through the program until everything is cleared. We were drowning with interest and minimum payments and didnt know what else to do before filing for bankruptcy. We breathed the biggest sigh of relief once we joined and the details were spelled out. They took care of everything, including when we were served papers from one of our creditors. They do all the dirty work to negotiate on our behalf. Every other week a specified amount was withdrawn from our bank and they did the rest. It took about 3 years to settle all accounts and weve just graduated! So excited to start our new credit card debt free lives! Thank you!

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Gaussessi
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Overall, very helpful in getting my debt organize and consolidated!

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CriticTop
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Great program! Very helpful and thorough. Great communication and easy to start. They work very quickly and keep me in the loop about everything. The dashboard is a great tool to keep me abreast of stages of the program. Im glad I started the program.

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Ferrows
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Been a big help so far and saving me alot if money.

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3:46 pm EDT
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Freedom Debt Relief My wife and I have experienced several financial setbacks in recent months due to health problems the company we work

My wife and I have experienced several financial setbacks in recent months due to health problems the company we work for having to close due to the Covid-19 pandemic. We had gotten behind in meeting our financial obligations, with no end in sight. We contacted Freedom Debt Relief and was treated with respect and genuine concern over our financial situation. I am truly impressed with FDR so far. They have been working on our behalf since August, 2020, and have already negotiated two structured settlements with two different creditors. We only have one more creditor for FDR to negotiate a settlement, and we will hopefully finish the process and be debt free within the next 18-24 months. We would strongly recommend FDR to anyone who is experiencing financial difficulties due to the pandemic or other uncontrollable circumstances that might cause financial setbacks.

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DiaryBoy
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I was drowning in $10,000 dollars in credit card debt due to terminations in employment. This company is easy to work with, they take care of all the technical parts, all you have to do is keep up with your monthly payments. The company works extremely hard to reach settlements in your debt quickly and puts you at ease where you can continue to go about your normal routine. So far I am in the progress of settling two credit debt and I'm still able to make my other bill payments. I am looking forward to being debt free in the next few years. So far everything has been going well with FDR. Be advised though, this will bring your credit score low in the beginning but as your debts become settled, you will see a steady rise in your credit score and you are able to apply for other credit cards as well. FDR also offers financial counseling to help you manage your finances easier. I rate it 4 stars for now only because I'm still going through the process but so far I am satisfied with the process so far.

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F. Layman
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First you like to thank you for helping me with my debt. I know it takes a while, but after 12 months, you guys have already negotiated one working on the second one. Hopefully you get to the PayPal one they want to come and take my house really dont want that to happen and work too hard for my house for *** $2000 not worth it anyways I think its a good program shove the other programs

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E. Pond
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So far they have been amazing. Was super helpful and explained all my questions I had. When I first spoke to my rep I was a little skeptical, but they have been moving faster than I expected and I could not be happier. I highly recommend them. I am still going through the process, but I have more hope in this company more than I did when I started. Definitely a happy customer.

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D. Monaco
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It help me get back on track. And start a fresh start over.

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12:22 pm EDT
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Freedom Debt Relief I just graduated from the program!

I just graduated from the program! Totally debt free! I highly recommend Freedom Debt Relief. Everyone was easy to work with and explained in detail what I needed to know. If I had a question there was always someone there to talk to me. I even used their chat a few times, and again had my questions answered. I would highly recommend using their lawyers to deal with your debt during this process. They handled everything and I never had to deal with debt collectors. Bottom line...you have to have the designated funds available and in your account each month, check your emails and or text messages and respond quickly. This is detrimental to getting your debts paid off. I am extremely happy! Debt free feels so good! Also, I just noticed a deposit made to my account by FDR. That is for money I had left in my designated account after my debt was paid! You can trust them to do what they say they will do.

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Greyet
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Excellent customer service, user friendly! The agents step you through the process and explain all details as well as send out useful hints and emails. They promised I would save, and I am!

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GoBroadcast
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Happy with program - feel more at ease and less worry

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GnomeReally
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Everyone Ive spoken with has been so helpful and sweet. They answer all my questions and never make me feel like I dont know whats going on. I just got my first settlement and it was such an amazing feeling!

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FleaRich
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I have not gotten very far in the process yet. The customer service is wonderful. Very kind ,Patient and understanding of my situation. So far *** excited about the way things are going and how much brighter my future looks.

Is Freedom Debt Relief legit?

Our verdict: Complaints Board's thorough examination reveals Freedom Debt Relief as a legitimate entity with notable strengths. Despite a 24% resolution rate on customer complaints, which invites a closer look, Freedom Debt Relief stands out for its commitment to quality and security. Clients considering Freedom Debt Relief should delve into its customer service record to gauge compatibility with their expectations.

Freedom Debt Relief earns 94% level of Trustworthiness

Perfect Trust Endorsement: Freedom Debt Relief achives 94% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.

We found clear and detailed contact information for Freedom Debt Relief. The company provides a physical address, 3 phone numbers, and 2 emails, as well as 5 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

Freedom Debt Relief has received 15 positive reviews on our site. This is a good sign and indicates a safe and reliable experience for customers who choose to work with the company.

Freedomdebtrelief.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Freedomdebtrelief.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.

A trust mark has been identified for a freedomdebtrelief.com, but it is important to verify the trust mark and its source to ensure that it is legitimate. Ensure that the trust mark is genuine by clicking on it and verifying its authenticity through the issuing organization's website.

Freedom Debt Relief as a website that uses an external review system. While this can provide valuable feedback and insights, it's important to carefully evaluate the source of the reviews and take them with a grain of salt.

Several positive reviews for Freedom Debt Relief have been found on various review sites. While this may be a good sign, it is important to approach these reviews with caution and consider the possibility of fake or biased reviews.

We looked up Freedom Debt Relief and found that the website is receiving a high amount of traffic. This could be a sign of a popular and trustworthy website, but it is still important to exercise caution and verify the legitimacy of the site before sharing any personal or financial information

However ComplaintsBoard has detected that:

  • Despite a high level of trust, our investigation found issues with Freedom Debt Relief's service, including poor customer service, lack of accountability, and responsibility to resolve complaints. Customers may face long wait times for responses, receive generic or unhelpful answers or no response at all. Only 24% of 15 complaints were resolved.
  • Freedom Debt Relief protects their ownership data, a common and legal practice. However, from our perspective, this lack of transparency can impede trust and accountability, which are essential for establishing a credible and respected business entity.
  1. Pros
    1. Proven debt reduction
    2. No upfront fees
    3. Personalized plans
    4. Creditor negotiations
    5. Financial education tools
  1. Cons
    1. Potential for high fees
    2. May negatively impact credit score
    3. No guarantee of debt reduction
    4. Not available in all states
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Freedom Debt Relief Although I can see the frustration points that others have commented on (settlement percentages that weren't initially

Although I can see the frustration points that others have commented on (settlement percentages that weren't initially specified, outlined, or discussed) I do have to recognize that FDR has helped me accomplish something I was not able to do on my own and now I have graduated the program (still waiting for the graduation package-was told they have to confirm there aren't any disputes of payment amounts before they can stop my monthly payments), I look forward to be debt free and free from the almost $500.00 payment I've made for the last almost 4 years. Thanks to FDR I haven't had to deal with creditors harassing my phone, or my mail box, they took care of everything. They negotiated the debt amounts down to change on the dollar, something I never could have done. Over all, I am truly grateful to them for helping me get these debts paid and it was definitely a learning experience on how not to use your credit cards.

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Hoopod
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Doing a debt consolidation was the worst decision my husband and I could have made. First, any debt settlement company is never going to tell you the whole truth. Second, the companies only tell you that you can save more money than half of everything you owe, but they don't tell you how much they will charge for paying the bills. Each account or debt has a different charge by the company. In the end, I think that one ends up paying double what one would have paid if one had spoken to the bank that one owes them, not to mention that it destroys their credit, leaving it at the lowest. Freedom Debt of Relief opened an account for us with a bank where the money was deposited for them to have access but the bank charges you $9.99 a month during the process. To this, you add that when you finish paying the debt you have to report that debt when the taxes are done, and that money that you did not pay is like being given cash. Lastly, Freedom Debt of Relief cannot deal with 2 card accounts that we had and those debts are still there, we are worse than at the beginning. When I spoke to a representative of Freedom Debt Relief he told me that if any bank took us to court they would send a lawyer from their firm. Surprise, a bank took my husband to court, called FDR and they told me that they would study the case and give me an answer, the answer was to tell my husband to appear in court alone and the bank representative told him to my husband that FDR was the worst company she knew. FDR is Freedom Debt of Relief. If I could give them -0 I would but I can't. Do not be fooled! when you talk to a representative they always ask you to pay more so you can finish sooner. but they forget why one is in this program. I started with this company on October 2020 and this month I finished to pay some debts no all.

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G. Peachey
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Thank you, FDR, for making this process so easy. I am so glad to be graduating from the program; not only did I get my debt paid off, but I also raised my credit score. FDR was always available to answer any questions, and it was a relief early on to have them handle all the creditor calls. It took so much stress off. I highly recommend this company if you are having credit problems.

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HelpSport
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When my spouse died unexpectedly in the fall, I was scrambling to keep a roof over my kids' head and deal with debt. I finally decided to look at debt settlement agencies because I needed to lower my monthly payments as much as possible. Out of the options, Freedom Debt Relief seemed promising. However, I haven't been thrilled with Freedom Debt Relief after nearly 5 months of working with them. The information I received from my initial contact person who enrolled me was very different from the information I've received from other representatives since the process started. That misinformation has caused a lot of frustration and phone calls for me since.For starters, they tell you to stop paying everything immediately upon enrollment so they can negotiate. The person who enrolled me said they provide letters for each creditor that explains you're enrolled in the program. Unfortunately, that's not true. They don't reach out to any creditors until your account "has adequate funds to negotiate." This means you will receive phone calls from each creditor weekly or even daily because they want you to make a payment.I was also told that the person who enrolled me would "be available anytime" for assistance. Every time I try to call or email her, I get the run around and am told to call someone else. She's done nothing to help at all.Finally, they tell you that they will negotiate settlements. What they don't tell you is that even when making payments on these settlements, the creditor will still report that you aren't paying and it will continue showing on your credit report every month until the settlement is paid in full.I'm working 2 jobs and trying to recover, but I'm not sure this company really helped me at all. Very frustrated and sad. Absolutely can't recommend unless you're desperate like I was. And even then, I'd check other options first.

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Freedom Debt Relief Year Adjustment: If a year mentioned is 2023 or 2024, leave it as is

Year Adjustment:
If a year mentioned is 2023 or 2024, leave it as is.
Remove any other mentioned year from the text completely.
References to the Better Business Bureau (BBB) should be replaced with ComplaintsBoard.com.
The dashboard is easy to use. Having a live operator available is helpful. The website provides step-by-step instructions for each process. Make sure to read your paperwork and understand the breakdown of your settlement amount and the fees charged by FDR for each settlement. These two things will determine your total cost. So, if you owed $9,000 and settled for $4,500, and FDR's settlement fee is 50% of that settlement, your total cost will be $2,250 plus $4,500. Therefore, in reality, you will owe $6,750.00. You will still save money, but not as much as it may seem at first. Your credit score will significantly decrease. So, do you want a high credit score or to save thousands? I chose the latter. In conclusion, you can pay a lot or you can pay less, but you will have to pay. FDR will receive their fees. If you have the energy and time to negotiate with your creditors, you may save more or end up in court. If you use FDR, you will likely save more and avoid court, but there is still a possibility of going to court. However, with FDR, you will have a better credit record. I graduated early.

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Freedom Debt Relief Yes, I was very skeptical, I was on my last straw with nothing else to lose - decided to give this program a try!

Yes, I was very skeptical, I was on my last straw with nothing else to lose - decided to give this program a try!I was projected with an estimate of 48 months to become debt-free. Graduated in 24 months by doing additional single-deposits along the way with my monthly payments. As debts are settled, my credit score starts to climb. The entire goal was to reduce your debt and give you financial freedom, so you can live the life you wanted.It worked for me. I'm so glad I made the right call to enroll in this program. It has been a life changer and I have learned to live without credit cards.They are a true great company. They do all the talking, backing us up, lawyered us up and making settlements for small price that comes out of your monthly payments. With that being said, I only paid roughly $16,000 to cover my $30,000 debts.Highly recommended for those aren't planning on taking out any loans because it was either this program or facing with more debts that will take you nowhere - Thank you for all you do!

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Freedom Debt Relief Excellent Service

Excellent Service. My Credit Card Companies.. Citi Bank & Chase thought it was a good idea to lower my available credit on all of the accounts I had w/ them during COVID EPIDEMIC 2020 which lowered my debt ratio & my Credit score pummeled from the high 700’s to Low 500’s.. I begged & pleaded with them to leave my available credit the same. BY THE WAY…. I’ve NEVER MISSED NOT 1 payment ever & always paid more than the minimum payment on any of my cards including store cards in over 25!years. .. Not only did I have several family member die from COVID… my brother & pregnant wife were executed in a botched home invasion which I had to take custody of the kids & pay for a lawyer to keep them out of foster care. I had to help pay for burials & law fees for the kids. I was referred to them by another coworker that was recovering from debt from a divorce.. I am very HAPPY WITH THE SERVICES PROVIDED FROM FREEDOM DEBT RELIEF. I’ve been in the program for 8 months & they already resolve 4 of my accounts for half the balance . I recommend this company

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Freedom Debt Relief I was 19 years old when I applied for my first cash back student credit card

I was 19 years old when I applied for my first cash back student credit card. Within 4 years, I had 10 credit cards and over $13,000 in credit card debt. I believe that having a stable job and making my minimum payments, I would be fine handling my debt. Everyone goes through life events out of their control. I ended up being late on payments and this caused a snowball effect. It was scary at first having to let the credit cards go into collections and seeing my credit score drop, but that was part of the process that this program in order to help me get out of this dark place. Truthfully, I had to pause my program for a few months but once I started making the deposits again, I was able to get more settlements accomplished. I have to remind myself that this debt did not happen over night. Looking at my progress now, I should be credit card debt free in about two years. I’ll be 27 years old by then. You learn from your mistakes and please don’t feel like you are the only one going through hardships and that there isn’t assistance out there. There are programs like FDR that are advocates for you and want to help you succeed financially too.

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Freedom Debt Relief I, like many other Americans, have been struggling to make even the minimum payment on my credit cards

I, like many other Americans, have been struggling to make even the minimum payment on my credit cards. The situation worsened with the onset of Covid19, as I was unable to go to the store for purchases. As a result, I increasingly relied on online purchases, which only added to my already high debt. I had accepted the fact that I would never be able to pay off my credit card debt. However, my perspective changed when I received a call from a representative of Freedom Debt Relief. I explained my desperate need to end my debts, and after speaking with him, I felt reasonably assured that Freedom Debt Relief could help me within a reasonable amount of time, possibly months. Therefore, I agreed to let them assist me in escaping my self-inflicted nightmare. Throughout the program, an FDR advisor was always available to answer any questions I had and provide updates on its progress. As of February 23, 2023, after a period of several years, I am finally free from my debt. I am grateful to Freedom Debt Relief and highly recommend them to anyone in a similar situation. Contact them and they can work the miracle you have been searching for to help you get out of debt.

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Freedom Debt Relief I started the program in October 2019 with 7 delinquent accounts, 6 of which were credit cards

I started the program in October 2019 with 7 delinquent accounts, 6 of which were credit cards. I was overwhelmed with debt and stressed out. One of my credit cards had a minimum payment of $200 per month, which was a lot for me. I couldn't sleep at night because of the anxiety and stress. I considered filing for bankruptcy, but I didn't qualify due to changes in the law. A friend suggested debt relief, as they had done it twice before. I searched online and found Freedom Debt Relief. I remember the phone call on October 4, 2019, when I spoke with a representative named [Name]. We discussed my debt, and he said I qualified for the program. He advised me to stop making payments on my credit cards and loan, which was scary for me. I was worried about the impact on my credit score. [Name] explained that they couldn't negotiate the debt unless it was delinquent. The creditors started calling and sending letters. To reduce stress, I changed my phone number on all my accounts to Freedom Debt Relief's contact information. This helped because I didn't have to deal with constant reminders. Twice a month, like clockwork, funds were withdrawn from my account for settlements. Today, I completed the program and am debt-free. It feels amazing! I highly recommend Freedom Debt Relief.

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Freedom Debt Relief I was in a lot of debt, to the point where I couldn't even afford to buy food for my wife and kids

I was in a lot of debt, to the point where I couldn't even afford to buy food for my wife and kids. I had 11 different credit cards, and every payday, all of my money went towards paying off those cards. It got so bad that I had to use a credit card to buy a gift card just so my family could eat. My debt with that creditor kept growing, and it felt like my entire life and work was controlled by them because of the amount of debt I had. Then, I heard about Freedom Debt Relief LLC on the radio and ComplaintsBoard.com. At first, I thought it might be a scam, but they turned out to be really helpful. They guided me through the whole process, and when I agreed to work with them, they told me something surprising - stop making payments to the creditors. I was shocked at first, but they explained that this was the best way to get the creditors to work with them. I felt guilty, like I was doing something wrong or stealing from my creditors, but the truth is, I wasn't. With the help of Freedom Debt Relief LLC, I was able to bring my son to McDonald's, something we hadn't been able to do before because we couldn't afford it. I used to feel so bad because I couldn't even buy a cheap item from the dollar menu. All of my money was already spoken for, going towards bills and more bills. I am grateful for the help and support I received from Freedom Debt Relief LLC throughout these past three years.

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Freedom Debt Relief I have some concerns about the settlement fees, as mentioned

I have some doubts about the settlement fees as mentioned. But before we reached out to Freedom Debt Relief, me and my wife were deep in debt mostly because of her medical expenses without insurance. It was very hard to keep up with the monthly payments, and we were getting more behind with each creditor as months passed. I really couldn't see any solution other than bankruptcy. Joining Freedom brought an immense relief because we no longer had to always worry about creditors. It was like we gave all our financial problems to them and could move on with our lives. This alone, the feeling of having a burden lifted, was worth all the time and expense. Even though maybe I could have negotiated payment terms by myself, dealing with so many overdue and collection accounts would have been too much stress. At my age, I don't want more stress. Our credit score went down at first, but it was already going down fast. Then, we saw our score start to get better, moving from poor to fair in just a few months. Talking to the representatives was very nice; they were understanding. They answered my questions about the program clearly and even mentioned other options if I wasn't happy with how things were going. Overall, me and my wife are really satisfied with being part of the program. Although it will take a few more years to completely clear our debts, it's much better than anything we could have done by ourselves. Thank you, Freedom.

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Freedom Debt Relief Freedom Debt Relief is a lifesaver!

Freedom Debt Relief is a lifesaver! I completed their program in 14 months. I had $6270 worth of debt and FDR helped me settle all of my debt for $3049, saving me $3221! FDR handled most of the work while I made sure to make my monthly deposits on time. If you cant make your payment on your scheduled day, FDR will work with you to make it for a different day you are able to. They walk you through every step of the way and keep you updated on what is going on. Your settlements from their negotiations depend on you making your payment every month so they have the funds to negotiate quicker. Their tactics and strategy are amazing! They will ask you, in the beginning, how you got to where you are with your debt, during the enrollment process. Be honest and own up to your mistakes. They want to help. FDR made it easy for me to enroll and submit proof of all of my debts. The resources and tools FDR has offered, I will carry with me as I start fresh with a clean slate. At 33 years old, this was the best late birthday gift I could give myself. I have learned so much about being responsible with my credit and the importance of keeping my payments up to date. Freedom Debt Relief helped me when nobody else would. They believed in me and gave me a chance. This whole experience has given me a new lease on my financial life and has eased a good amount of my stress. My graduation packet will contain all of the letters from my settled accounts that I can have as proof if I need to use them. The resources and tools are there to help you. Making your payments on time is key. If you can increase your deposit or make extra payments when you can, I recommend doing so. If you are not able to use your banks checking account, try using your savings account for FDR to withdraw the money each month. FDR will not pay a settlement until you authorize them to do so: Thank you Freedom Debt Relief for giving me this opportunity to be debt free and able to breathe again. Keep up the good work.

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Freedom Debt Relief My wife and I found ourselves in a situation of having too much unsecured debt last year, but with the help of Freedom

My wife and I found ourselves in a situation of having too much unsecured debt last year, but with the help of Freedom Debt Relief (FDR), credit counseling, and Consolidation Plus, we were able to rebuild our credit in less than 10 months. When we started the program, our credit scores were in the high 500s and low 600s, and we had around $40,000 in unsecured debt. Now, both of our credit scores are in the high 700s and we are completely debt-free.

Before enrolling in the FDR program, we tried to get other consolidation loans, but we were rejected. This was not surprising considering the loan amount we requested and our debts and credit scores at the time. FDR took care of contacting our creditors and negotiating settlements on our behalf. We would review the settlement offers and either approve them or request further negotiation. After approving all of the settlement offers, we were referred to Consolidation Plus by FDR. Consolidation Plus allowed us to consolidate our debts and approved an unsecured loan of approximately $30,000. They used this loan to pay off the remaining debt from the settlements.

It is true that the consolidation loan had a high interest rate and required bi-weekly payments. We were aware of this because we carefully read the loan documents and they were reviewed with us as well. They even strongly advised us to pay more whenever possible. As mentioned before, we also went through credit counseling, followed a strict budget, and were able to pay off the loan in less than 6 months.

Without the help of FDR and Consolidation Plus, we would still be struggling to pay our bills and our credit scores would still be poor. They provided us with guidance, support, and the necessary tools to become debt-free. The customer support was also excellent. They took the time to answer our questions, whether it was over the phone or via email, and they always followed up with us if we contacted them after hours.

Currently, we have a few credit cards, but we make sure to keep the balances below $500. If we don't have the cash, we don't put it on a credit card unless we can pay it off the following month. It is important to do your research, read everything carefully, listen, ask questions, and seek outside counseling. By doing so, you will be fine. The whole process was definitely a learning experience for us, and we will never find ourselves in this position again. 5 STARS!

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Freedom Debt Relief We are down to our last 5 accounts out of the 22 we had enrolled

We are down to our last 5 accounts out of the 22 we had enrolled. Only 2 accounts were settled at more than 50% and those were hard companies to start with when we tried to get the to work with us when my husband was temporarily out of work. One of those the settlement was for a little more than the amount enrolled, however I know from my own experience that that company is horrible. Freedom still did much better with that company than we could when we tried. I see many people complaining about settlement fees. We are okay with paying, do these people complaining think that the company can do this work for free, think about what the settlement fees pay for, phone bills and all over head, the employees that do the work need to be paid, and the cost of giving benefits the their employee's it's not free to them. Freedom has done well for us most of our accounts were settled for less than 50%. We got into a problem trying to survive while my husband was out of work. We spent 5 years trying to get out on our own and even trying to deal with some of the companies on our own. Most would not even discuss a settlement with us. I took notice that some one was complaining that they are in the program 3 years and have a graduation date in 2023. We have the same however if you do the math once all your accounts are settled that is just a estimate. I do the math of all fees owed yet along with what is still owed on our settlements and divide that by our monthly payment amount and we will be done way before 2023. When you have enough in your account to pay off some accounts call them ask them to settle accounts off if the funds are there to accommodate it. Our daughter and son in law did that. When the company made settlements they need to stretch some out longer to make sure they can accommodate for any companies that are more demanding. The fees involved are in the agreement so people read the fine print if you don't like it then don't start the program. We figured it would have taken us 15 to 20 years at the interest rates to pay all our accounts off if we never would have put any thing on them and kept struggling to make the minimum payment. We never had anything left at the end of the month to save if there was an emergency. We now have a little and thank goodness because we just had 4 break downs we never could have paid for before. We can only see our financial situation improving because when we are done the end result with our monthly payment to Freedom will result in over $1200 more in our pockets every month ( this is our payment to Freedom plus the additional amount originally saved monthly going into Freedom). End result the company has done what we contracted with them to do. No services are free. Thank you Freedom.

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1:11 pm EDT
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Freedom Debt Relief Wage garnishment on account they had from 2016

Had started using them in 2016 put hold on all my credit cards that were overdue.

Ran into a little bit of an issue in 2021 cause they had been holding 14 accounts without working on any of them , come to find out litigation was done in 2017 and sat in limbo till I left them cause account was closed.

Portfolio went to court without even informing me since everything was at freedom and has now garnished my wages 6 years later

Desired outcome: Need to stop garnishing or something against freedom debt relief

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12:27 am EDT

Freedom Debt Relief Debt settlement / unethical business tactics

I was told from the beginning I was in control my money and account with them. They could settle all my debts and save the day. First off not everybody settles especially Kohls/CapitalOne they knew some of my accounts wouldn’t from the get go but they didn’t tell me this. Yes they settled a couple small credit card debts at first, then when they had the money to settle a few more, they held it until they could settle the largest one. Big payday for them. They took all the money out of my account for their fee then didn’t have any funds left to pay the creditor they negotiated with and defaulted. They wanted me to pay for them to settle the same debt again because they took all my money the first time and couldn’t pay the $46,. They won’t refund my my money after a few attempts. I couldn’t get any answers after several calls, asking where my money went. Then finally got a hold of a manager that admitted to their deceptive tactics. So I filed chapter 13 bankruptcy after they took my $3600 for nothing. They was my last hope and the money they took was all it had, after being sued I saved what I could and filed chapter 13 bankruptcy. Thanks FDR!

Desired outcome: Do the right thing, Refund my money, and an apology.

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4:13 pm EST

Freedom Debt Relief Debt consolidation

I am no longer a client. Yall total [censored]edup my life.

In the terms of service contract, yall specificly state you WILL Pay off the client most likely to sue, Which was obviously Bank of America because I woed them twice as much as any other account.

But from the discovery of them sueing me, I learned that they had not heard a word or received a payment for over 2 years. All that time I was paying I think 200 amonth to FDR. When I got served papers by the constipal I contacted FDR I was told everything was OK dont contact BOA, I Ineeded to just pay yall more every month. Which was impossible because Im an old retart on a disability income. Also yall told me I would not ever get a rate increase.

So yall just blew me off. Yall payed yourselves about 10 times at 22% by paying of the smallest debts first. BUt all that time and the most significant account never recieved a cent.

My went from 11 credit cards, to cant get even 1.

my credit score went from 710 to 420. So I could not even afford a lawyer to go to trial. I could not even get an equity loan on the house that is totally paid for. I did nt want to go to home equity but I checked it out and found yall had rendered me unable to even do that.

I was sue in absentia and lost because me nor a lawyer ever showed up!

I was totally stressed out thinking this would next go to criminal court. apparently it never did. But I didnt know, still dont know. When im stressed I go manic, I was working as a computer engineer subcontractor, they fired me for being manic, incompetent, stress causes loss of sleep, lack of sleep [censored]s up my bypolar mania.

Desired outcome: recover my credit score so i can get a loan for mama proper christian funeral.It aint just me that got [censored]ed. This took mama down along with me.She is my court ordered gaurdian

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3:50 pm EDT
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Freedom Debt Relief Unethical behavior.

I do not believe this company has its client's best interest as a priority. They do everything in their power to stretch out your payments and keep you paying as long as possible. As my first two debts get paid off they refuse to take those funds and apply them to the remaining debts. Instead, they will continue making small payments for months, with a large balloon payment at the end. This stretches it out for almost a year more than is required. I called and spoke with them multiple times about this, and they made various excuses, with the only solution being I make extra payments and resolve the debts quicker. Then get a refund of whatever amount is leftover in the account. They are counting on me to either be unable/unwilling to make extra payments. Thereby collecting their monthly payment and stretching the debt out further. Why can the extra funds not be an "extra payment"?
On top of this one of the debts had been written off and sold to a debt collector, they negotiated a settlement with them. Anyone in this business should know you never do this. When they contacted me they told me they had made a settlement with the original debtor. I will now end up paying several thousand more than I could have avoided. As well as the out-of-pocket damage, the collection agency has attacked my credit score driving it down nearly 50 points. Again, they are just looking to get as much debt from you settled and stretch it out for as long as possible.
On top of this with the fees they charge and the length of time they stretch the settlements out for you will end up paying a little more than you originally owed.

The desired outcome - Refunded all money paid to the collection agency due to their misrepresentation. The collection agency stops the attack on my credit report. The money from my paid-off debts goes directly to the remaining debt.

Desired outcome: See Above-

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7:26 pm EDT
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Freedom Debt Relief Fees verse debt

I will say this, when things got really out of control due to a cancer diagnosis and the domino affect it had, it was a relief to have all the phone calls, letters etc, handled by FDR and sure sounded good at the time. I will say their customer service has always been wonderful. However I'm now 2 years into the program, according to my Dashboard, I've paid a little over 8K in deposits to FDR, out of the 8K, $4409 has been paid towards FDR settlement fees. Now that just the settlement fees. I also for some reason pay 2 separate monthly fees of $12.00 and $9.95 which adding that all together is close to 5K and I'm not looking like I'm even half way there n paying any of these creditors off. So to simplify, 800K I've paid in, 5000K in fees, leaves $3K going to my 20K debt in 2 years. Just knows the facts before you sign up, I think I was desperate at the time and now I'm finally looking at the "big picture". Other options aren't always feasible, I know but just be prepared for a lengthy and overall more costly process.

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Freedom Debt Relief Customer Reviews Overview

Freedom Debt Relief offers debt settlement services aimed at helping customers manage and resolve their unsecured debts. Through a personalized debt relief program, they negotiate with creditors on behalf of clients to potentially reduce the amount owed. Their services include a free debt evaluation and the creation of a custom strategy designed to fit the client's financial situation. Clients deposit funds into a dedicated account over time, which are then used to negotiate settlements with creditors. Freedom Debt Relief charges fees for their services only after a debt is settled.

Freedom Debt Relief In-depth Review

In summary, Freedom Debt Relief offers a structured program aimed at helping individuals overcome debt. It is important for potential clients to understand the details of the program, including the types of debt addressed, the length of the program, and the costs involved. Customer experiences, success rates, and the potential risks should be carefully considered. While there are benefits to using Freedom Debt Relief, such as educational resources and additional services, one must also weigh the potential impact on credit scores and legal implications. Comparing Freedom Debt Relief with competitors and considering user reviews can provide a broader perspective on its effectiveness and customer satisfaction.

Company Overview

  1. History and Background
  2. Services Offered
  3. Accreditation and Industry Standing

Program Details

  1. Debt Relief Process
  2. Types of Debt Addressed
  3. Program Length
  4. Client Eligibility Requirements

Customer Experience

  1. Enrollment Process
  2. Client Support and Communication
  3. User Interface and Tools

Cost and Fees

  1. Fee Structure
  2. Transparency of Costs
  3. Payment Terms

Client Outcomes

  1. Success Rates
  2. Average Debt Reduction
  3. Client Testimonials and Case Studies

Benefits and Advantages

  1. Unique Selling Points
  2. Educational Resources Provided
  3. Additional Services (e.g., Credit Counseling, Financial Tools)

Risks and Considerations

  1. Potential Impact on Credit Score
  2. Legal Implications
  3. Program Limitations and Exclusions

Customer Service and Support

  1. Availability and Responsiveness
  2. Professionalism of Staff
  3. Resolution of Complaints and Issues

Comparisons with Competitors

  1. Industry Comparison
  2. Pros and Cons Relative to Other Debt Relief Options

User Reviews and Feedback

  1. Customer Satisfaction Ratings
  2. Positive and Negative Reviews
  3. Response to Criticism and Feedback

Final Assessment and Recommendations

  1. Overall Impressions
  2. Suitability for Different Types of Debtors
  3. Final Recommendations for Potential Clients

Updates and Company Developments

  1. Recent Changes to Services or Fees
  2. Company News and Updates
  3. Future Outlook and Expansion Plans
How to file a complaint about Freedom Debt Relief?

1. Log in or create an account:
- If you already have a ComplaintsBoard.com account, log in using your credentials.
- For new users, click on the 'Sign Up' option and follow the instructions to create a new account on ComplaintsBoard.com.

2. Navigating to the complaint form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website.
- The button is typically positioned at the top right corner of the website.

3. Writing the title:
- Summarize the main issue with Freedom Debt Relief in the 'Complaint Title' section.
- Be concise yet descriptive to capture the essence of your complaint.

4. Detailing the experience:
- Provide detailed information about your experience with Freedom Debt Relief.
- Mention key areas such as transactions, nature of the issue, steps taken to resolve, company's response, and personal impact.

5. Attaching supporting documents:
- Remember to attach any relevant supporting documents to strengthen your complaint.
- Avoid including sensitive personal data in the attachments.

6. Filing optional fields:
- Utilize the 'Claimed Loss' field to state any financial losses incurred.
- Use the 'Desired Outcome' field to specify the resolution you are seeking from Freedom Debt Relief.

7. Review before submission:
- Review your complaint for clarity, accuracy, and completeness before submitting.
- Ensure all necessary details are included to effectively communicate your concerns.

8. Submission process:
- Click on the 'Submit' button to finalize and submit your complaint to ComplaintsBoard.com.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.
- Stay informed about any developments regarding your complaint with Freedom Debt Relief.

This guide is designed to assist you in effectively filing a complaint about Freedom Debt Relief on ComplaintsBoard.com.

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Contact Freedom Debt Relief customer service

Phone numbers

+1 (800) 655-6303 +1 (800) 230-1553 More phone numbers

Website

www.freedomdebtrelief.com

Most discussed Freedom Debt Relief complaints

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