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Freedom Debt Relief / Beware!

1 United States Review updated:

Oh my god! They made me believe that they were going to help me and at the end they ripped me off 12, 000 dollars, i am following the law suit a class action is mountin agaist them, even the goverment. They made my debt problem worst sank me in a hole . Justice is needed!

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  • Me
      4th of Feb, 2009
    0 Votes

    No creditor is going to wait the 36 month contract term to get paid. Use common sense - would you wait 36 months for your employer or customers to pay you? How about if your employer or customers passed off your payment to a middle man?

    FDR is not an easy way out - you're just paying them to do what you can do yourself, in less time, with less grief, and with better results. Why would you pay FDR to get you of the the debt you got yourself in to, while allowing them to make a profit? Their profit can go towards your debt.

    Contact your credit card company and negotiate directly with them -just as you would negotiate for any other product or service. If divorce and medical issues got you into debt, seek help from a reputable organization (check out Suzy Orman's site and many others). It's not that hard; there are other options.

  • Co
      6th of Apr, 2009
    +1 Votes

    After paying them $500 a month, they still have not settled with any of my creditors. Even though they have enough money by now to settle with several of my smaller creditors. WTF??!!

    They told me that they would communicate with my creditors and told me to IGNORE the collection calls. If they where communicating with my creditors, why am I getting collections calls everyday?????

  • Oa
      14th of Apr, 2009
    +2 Votes

    FDR is a major scam...file a complaint with the BBB!!! There are several Class A suits in the works...

  • Os
      15th of Apr, 2009
    +3 Votes

    30K in a hole I paid them what I was paying in my current minimums minus 150. for my expenses, got out of most of my debt in first 22 months and that was late 08 my next settlement is around the corner, I referd a friend but he couldnt hang with the creditor calls so he bounced out of the program. If you cant file a BK FOR EMPLOYMENT BACKGROUND PURPOSES LIKE ME THIS IS NOT THAT BAD. But turn off the ringer when you have company over they call like crazy, the creditors that is. I have a little over a year left in I managed to survive so far I would have tried this on my own but didnt have 18k in my back pocket, I guess they just bought me enough time to get this handled.

  • Di
      22nd of Apr, 2009
    +1 Votes

    IF a collector called me and threatened to tell my HR manager anything I would sue them for violating the FDCPA. They are not allowed to call you at work if you tell them that your employer does not allow calls at work.

    Also if they tell anyone about your debt issue, other then you, they are really in violation and I would make some money from their ignorance.

    Turn this issue into a positive by documenting evidence and talking to an attorney who can nail the collector good. You can probably make $5k or so.

    Also, most settlement companies do wait for you to accumulate enough money in your account to make a resonable settlement offer. Therefore, as a client you do have a responsibility in the program.

    From my reviews of FDR they have some issues. You can read more company reviews at debt intervention

  • Su
      21st of May, 2009
    +3 Votes


  • An
      1st of Dec, 2016
    0 Votes

    @Sue Banks don't settle until the account goes to collections, Banks don't give a crap and are the problem in the first place by over-offering consumers too much credit. Banks only want all the insanely massive compounding interest for 20 years that is a total ripoff. The average consumer can settle on their own for about 80% whereas an experienced attorney can settle it for 35-50%. When the debt is settled, the creditor wants the full amount within 30 days & most people can't afford that, that's why they went into default in the first place. Settlement programs allow consumers to pay the settled amount over time and a good Program will protect the consumer from harassing calls. Freedom Debt is NOT a good Settlement program. Validation programs are far superior to Settlement because they cost much less, debt is gone in 9-12 months rather than 3-4 years and include credit repair to clean up your credit reports. Banks are the biggest ripoff in the country and cause a great amount of hardship in the lives of consumers.

  • Au
      9th of Feb, 2017
    +2 Votes

    @Anthony P What do you mean by validation programs?

  • Su
      16th of Jul, 2018
    0 Votes

    @Sue You could word this more professionally as you do work for a bank, and I think they would expect you to be courteous and professional. To call people stupid and idiots shows that you don't care for people. These people didn't know where to turn, and tried FDR and whatever other companies to help them. Understand FDR doesn't market themselves as a settlement company until the people are signed up then and only then does that actually come out - people think they are talking to a debt counseling center for help when they are being lied to and cheated.

  • Wi
      28th of May, 2009
    0 Votes

    I am a client. the first year sucked not much was done but the second year paid off 3 of my debts. The collections goonS will always try to collect, settlement companies cant stop that but at least it put them on the backburner long enough for me to make these little payments. Had I sent them to my creditors I would have been just kept my interest and balances current and never moving in the right direction. I guess I could have tried this myself, but having someone to push the creditors off to made it worthy for me. I work two jobs and I can say I dont have the energy for dealing with these collection companies, most of my debt was medical and a the credit mess being sixty days late can get you in. I read the stories above and yes it is a scary thing. But I had to choose between my credit score which was not great to begin with or rent gas and food.

  • Qn
      1st of Jun, 2009
    +2 Votes

    I agree. Rent and food are higher priority than credit score.

  • De
      6th of Jun, 2009
    +3 Votes

    If is sounds too good to be true, it probably is. No business (anymore) is out here for altruistic purposes. They all want to make money off of us. They are a "for profit" business like most other settlement companies. They stand to make a healthy profit off of your debt.

    Nevermind the billions in government bailout money these companies have already received--paid for by you. You already paid them (via taxes) for that, and still you must pay them much more. They only make money from your debt.

    When we do get out of this record debt, never again will we be under their thumb. They can't make money off of us, if we aren't in debt to them. Let them starve for a while. Once the pendulum swings back the other way, most of the companies will be in hard times when Americans "finally" realize we can live comfortably with so much less, and by not paying them a high premium for what we could have purchased by waiting only a few months more.

    Good luck and best wishes to you all. Stick it to them any way you can--they are doing the same to you.


  • Sm
      25th of Jun, 2009
    -2 Votes

    LOL. To Erin, Karen and the like. I am lucky that I have always had a gift for seeing rip-off artist coming for miles. And I always love how when cornered, confidence artists always resort to such “GROWN-UP/ADULT” responses such as: “Loser; idiot; [censored]; stupid; Grow up; you should have read your BS… um, I mean contract”… Whatever!!! Here’s the truth. These are all pseudo reverse psycho-babble responses that you soulless; bottom feeding; pond ###; sewer dwelling; low-life; bald-faced lying con-artists use as a default position when people have the nerve to call you on your interstellar BS! TBT… YOU ALL are the ones that need to GROW-UP!! For ONCE in you worthless lives, find your humanity and honor and get a real profession that actually creates something. Not scams that all too often end up further destroying already desperate people’s lives… So don’t give yourselves too much props, cuz the easiest trade scheme in the world is to lie to ordinary people. Go ahead, respond with something original... Like telling me to F-OFF!

  • Ba
      16th of Jul, 2009
    -3 Votes

    i work for a major bank and have been working in the industry for 21 years. most of these "debt" companies are purely profiteers at the expense of the ignorant and the desperate. often debtors are mistreated by their creditors and choose to cut off communication with the entities to whom they owe money. this is a big mistake. there is not a debt company on earth that can do more for our customers than we can, if we have the chance to communicate honestly. the debt companies have no special abilities to negotiate anything that an educated consumer could not. these debt companies are akin to the rent to own industry, yes they can get results for you (sometimes), but at what cost? often their clients are sued for their efforts.

  • Nu
      28th of Jul, 2009
    -1 Votes

    I am currently 22k in debt+, and am considering FDR for relief. Is there anyone out there that has had good things to say about them for me to decide. Please do not send negative comments I have already read them. What do you do about the creditors calling/threats to collection. I was told not to make payments when I send out the enrollment packet? I have had good credit, but unfortunantely am only able to do the minimum on my cards. Respond if you can help out.

  • Ja
      17th of Feb, 2017
    +1 Votes

    @nugent I went through this program last year. I'm on the tail end of it now. Make sure FDR has permission to speak with all of your creditors. Speak to your creditors at least once and tell them you are unable to make any payments at this time and you are currently working on resolving your financial hardship and you are trying not to file for bankruptcy and you will contact them when something changes. Don;t tell them anything further. That won't stop the calls, but at least you have told them your situation. I also sent all my creditors a letter basically telling them the same thing and gave them my correct contact number and told them that it was the ONLY number they should be calling to reach me. I also told them NOT to attempt to contact me at my work as it may cause me to lose my job. I still received lots of calls, but usually never answered them. It is a pain. Expect several calls per day.
    I have mixed feelings about if I could do it all over again, would I use FDR. I have learned a lot in the past year. I think it is possible to do it by yourself, but when you aren't familiar with the whole process, you might be unsure how to handle the debt collectors.

  • Ni
      5th of Jun, 2017
    -1 Votes

    @nugent Read up on Chapter 7 bankruptcy. Then, read again. It's the best way to go, plus you can do it
    yourself. 99% of all bankruptcies are granted. (...and don't worry much about the negative aspects,
    since they won't occur...)

  • Se
      14th of Aug, 2009
    -6 Votes

    Go to to get the Federal Trade Commission's pamphlet on choosing a Credit counsleor.

    Your best bet is to go to a non-profit for help.
    Try the Consumer Credit Counseling Service.

    Their fees are reasonable, and they help you with debt payment and also budgeting.

  • Di
      14th of Aug, 2009
    +2 Votes

    You are much more safer doing this process for yourself. Involving a third party will hurt you more than help you in the long run.

    You can get help with the process at They coach people through the process and tellit how it is.

    No company can stop collections. Cease and desist letters will get you sued. Just tell them you are in a financial hardship and can't pay them. You are trying to avoid BK and hope to settle this once you get yourself together. Sorry.

    Their job is to beat you up emotionally until you pay some money.


  • Cm
      25th of Aug, 2009
    +2 Votes

    I went with FDR and just finished the program and it was very successful. My ex-husband left me with $17, 000 of debt and it took me from 9/06 to 7/09. If you do as the program says you will be able to succeed. The only thing that I was upset was that the side costs such as "over night" payments which they use your money to do. That is $20 just to send an overnight mail but most companys want their payments ovenight. For those that don't like it...Don't get credit cards and get yourself in situations. I pay for everything with CASH now. If I don't have enough cash...I can't get it! Plain and simple. I say I got the easy end and in the process of making sure my credit is back to good now. Your better off following what they have. There a VERY good company!

  • Ch
      26th of Apr, 2018
    0 Votes

    @Cmtheador I am making auto payments. It's very affordable for me to take this rout with FDR.
    I am contracted and will not pay another dime after my 48 months of payments. I will call my bank and tell them I no longer authorize these payments.
    Hoping for the best...

  • Wo
      1st of Sep, 2009
    -1 Votes

    Biggest mistake we ever made going with freedom debt. Paid alot of money up front for nothing. They won't answer you and seems you are always talking to someone that is not handeling your account. It is a scam save your money and negotiate yourself.


  • An
      8th of Sep, 2009
    +1 Votes

    Just FYI, if your accounts are in collections, you can send them a certified letter with a return receipt stating you want all communication done through the mail, and no communication done via phone and they are legally obligated to abide by this. Forcing them to put everything in writing will not only stop those annoying calls, it will also stop them from using the illegal tactics of telling you they can take your house, car, or any other object, or that they can put you in jail - none of these things are possible with unsecured debts. And if a collection agency calls at work, and you verbally tell them you are not allowed to receive personal calls at work and you want them to stop calling your work, they must legally abide by that as well.

    Financial Indepedence and Resource Education

  • Co
      20th of Sep, 2009
    Best Best Advice +5 Votes

    The banks and credit card companies are just crooked. They are getting basically free money from the government and also we as taxpayers are bailing their sorry butts out. Yet in hard times when people are suffering to make payment on 10 and 20% interest payments their answer is to penalize you further with 30% interest rates. They are uncaring companies that are ripping the consumer off and this country as well. They are not your friends and you should treat them as such!

  • Sr
      5th of Oct, 2009
    -5 Votes

    was employed with freedom debt for a year aka freedom financial network the only way it will actually help is if your monthly draft into the company is a substanical amount lets put it like this theyre all liars! the sales people make commission off of your first few months- it doesnt even go into the program it goes into whoever sold you- right into their pocket after your "initial retainer" the dept i worked in settlment negotiations- we correspond w/ the collection agencies and some attorneys all negotiaters are greedy- basically we make money off of how many accounts we settle per month so at minimum youre looking at 50% mind you your debts will continue to accrue interest and assess penalties fees collection costs and attorney fees- it is a SCAM EVERYONE THERE IS GREEDY they will tell you its the best thing since sliced bread - all a lie for your money they guarantee debt free in 3 yrs but its not not true people with medical u can forget it we never got good settlements besides meds not that big a deal- chase wont even work with them because of law suits, they outsource chase to a different debt settlment co. alot of stuff goes to LARU legal account resolution unit where basically ur getting sued and end up paying more than 100% ur debt trust me i worked here take your business elsewhere or just work out payment with creditors and pay one less hungry mouth HOPE THIS HELPS!

  • Ni
      10th of Oct, 2009
    +2 Votes

    The big red flag should be that FDR offers no legal representation. If a debt collector wants to sue you--the once supportive and promising staff hides in the bushes!

  • Ch
      26th of Apr, 2018
    -1 Votes

    @Nice Ads Yes they do. I was offered help from a participating law firm that I signed on with. They told me flat out that I would be protected.
    You have to agree to the services in order to be protected.

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