FAQs

Although Freedom Debt Relief has been providing debt settlement for over 15 years, people still have a lot of questions about what we do and how we do it—and that’s a good thing.Read more It’s important to get the answers you need to feel confident about our program. Our Certified Debt Consultants are always happy to answer any of your questions.

Here are some of our most frequently asked questions, along with comments from real clients who wrote reviews about Freedom Debt Relief on Trustpilot.com.

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  • Freedom Debt Relief: Debt settlement is not the right solution for everyone. But for people who have over $10,000 in debt and are struggling through a hardship such as job loss, divorce, or medical expenses, we firmly believe that debt settlement is a better alternative to bankruptcy.

    What our clients say:

    • I was very skeptical at first, and I wasn’t sure I was doing the right thing. But with the way things were I had to do something drastic and it turned out to be the best decision I’ve made in a long time. That being that I saw no other way to get out of debt. - Rosella

    • Really happy the way things have work out, glad I called FDR when I did we are so much better off. My wife has told me a number of times it was the best move I have every made. We saved money got are credit score back up and learned a valuable lesson. Thanks again FDR you did what you said and I am so glad I went with you. - Lou

    • Freedom Debt Relief has been a wonderful help in providing services to settle debts with creditors. It has brought me peace of mind. Every time a settlement gets approved, it is another relief off my shoulders so to speak. Thank you Freedom Debt Relief for your assistance in helping me to become debt free. - Donald

    • At first very skeptical and unsure, they put me at ease, so i went for it!! So now the stress relief alone is worth it!! Freedom i will tell anyone and everyone about how great you are. Thank you. - Jared

    • Going with Freedom Debt Relief has been one of the best decisions I ever made. Knowing that my debt is being settled brings me great peace of mind. - Vicki

  • Freedom Debt Relief: While success in the Freedom Debt Relief program requires commitment, we partner with our clients and support them every step of the way. We have resolved over $10 billion in debt since 2002, saving our clients billions in the process. Our clients firmly believe debt settlement is a valuable debt solution.

    What our clients say:

    • I feel really fortunate I found this company. I was drowning in debt, and didn’t know how to get it paid. With their help I’m well on my way to paying off the debt. It takes a commitment to pay every month, and can take time, but it’s worth it. I’d highly recommend them! - Mitchell

    • It's a tough place to be when drowning in debt and Freedom Debt Relief has made it a stress-free process. They have gone above and beyond to ensure that no more stress is added to me as we work towards being debt free! I am so glad I called and signed up to get my finances and life back in order!! I encourage everyone who is struggling to give a call. You won't regret it! - Erica

    • Awesome services! I know the road is long but it’s worth it to become debt free! Thanks - Joan

    • It seems tough at first but once your first credit card is paid off, with the rest to follow you'll see it's all worth it. - Thomas

    • Best move I ever made. Though scared too... was totally worth it. - William

    • I am on my way to being debt free thanks to FDR. They are with me every step and have been there to answer questions and help me with concerns. I feel like I have a plan I can stick to and would recommend them to people who feel like they are in an uphill battle. - Ellen

    • Be Patient.....It's worth it!! - Ann

  • Freedom Debt Relief: Anyone can try to negotiate with creditors on their own, but people who enroll in our program never have to go it alone. They have a team of experienced negotiation experts working on their behalf to get the best settlements possible.

    What our clients say:

    • Freedom Debt Relief has been amazing at getting my debt resolved. I am in a much better plan now than I was a year ago. I wouldn’t have been able to do this without them. I would recommend them to anybody that is struggling with debt or feel like bankruptcy is their only option. - Cindy

    • I have always been pleased with your service. If not for you I would never get out of debt. It was such a stress relief when I first started with freedom. You are a life saver. Thank you so much. - Robert

    • I don't know how I could handle it by myself without Freedom team. I am really glad they are with me! They are doing great job saving my sanity and my money! - Elena

    • I have learned that I can't do it by myself, and appreciate the assistance I have received! - Marc

    • Thanks to Freedom Debt Relief I can finally see some light at the end of the tunnel. It's nice to know that there really are people like you who help people like me get out from under. I wouldn't have been able to do this by myself. - Alice

    • I feel like I can finally breathe as I journey towards becoming DEBT FREE! I have a long way to go but I'm glad Freedom as my partner as I travel down this road. - Nicole

  • Freedom Debt Relief: At Freedom Debt Relief, we help ensure client success with great client support and clear communication. Every client has their own online dashboard that offers helpful videos, tools and other resources—and our friendly customer service representatives are always ready to help over the phone. At every stage of the program, we alert clients to let them know what they should be doing to stay on track to reach their goal of debt freedom.

    What our clients say:

    • Your first through may be that it sounds to good to be true... well, it's not. This company is 100% amazing. Great communication, and they do exactly what they say they are going to do. I'm beyond happy with our decision to use them. - Chris

    • I have heard many horror stories about debt relief programs…Freedom Debt Relief they have done everything they said they would do I have no problems with this company and proud I chose them thank you Freedom Debt Relief. - Robert

    • My experience with Freedom Debt Relief program has been an outstanding one. I wasn't sure how everything was going to work out or if I was making a mistake by going with the program. Now, I can say I made the right choice because they took over and made all the right arrangements from the beginning and now I'm half way through the program in less than a year. I would definitely recommend Freedom Debt Relief to anyone with too much credit card debt. I can never thank them enough for all their help! - Roxana

    • Since I've been involved with this awesome company, my faith has been renewed. They are everything they claim they are, plus more. Freedom Debt Relief is a breath of fresh air, they've rewarded me for my actions by going far beyond other companies would. I will and do always recommend this great company to all my friend's and family. - Vickie

    • This program really works and the staff are awesome. I haven’t had any complaints and they do an awesome job informing me of what going on with my debt. The website is easy to use too. - Shawn

    • I cannot imagine a better company to help resolve your debt. From the very first contact, I have felt that Freedom was working for me to get the very best settlements possible. The customer service contact has been prompt, knowledgeable, and courteous. And the negotiators are top notch! If there are other companies out there they better step in their game because Freedom has set the bar pretty darn high. Definitely a 5-star experience. Thank you Freedom for helping me resolve my debt fairly, efficiently, and painlessly! - David

    • This company is the first to actually help me with cleaning up my credit card debt. I had my doubts at first because other companies I had tried before were all talk and just wanted the fee I was paying and NEVER brought my debt under control. Working out for me - so far, so good! - Julee

  • Freedom Debt Relief: Freedom Debt Relief clients deposit funds into a Dedicated Account for several months. Then, once the funds grow large enough, we negotiate with their creditors to get them to settle for less than what is owed. Settlements are paid to creditors from the Dedicated Account until the client is free of the debt. Visit the Freedom Debt Relief website to see more details on how our debt relief program works.

    What our clients say:

    • I was having difficulty making my minimum payments and my interest rates made it almost impossible to get out of debt. FDR negotiated settlements of my high interest debts, set up a payment plan that was less than what i was originally paying, and gave me the opportunity to be debt free within 4 years, instead of indefinitely. - JWG

    • They did not make me feel bad because I was in this situation... They said it happens to many people and they were dedicated to helping me and took all my inhibitions away. They were so helpful and we, together discussed the best plan for my financial recovery…I didn't have to wonder what was happening and that allowed me not to worry. When I called to ask a question, I immediately talked to a representative, not a robot!!!! The Rep that answered immediately pulled up my account and was able to answer my questions and have an up-to-date status of my account! My account was up to date, my Rep was the one who answered first when I call and the same rep was able to give me feedback on all our past discussions...excellent notes were kept. I did not have to have the same rep every time! I have several months to complete the program and I couldn't be happier. I would recommend FD to anyone needing a hardship financial solution. - Pamela

    • Helping me get back on track and clearing all debts one step at a time, and teaching me how to stay on track and become frugal in my spending habits. This is the first time I've ever used a debt resolution assistance program and hopefully my last. - Deborah

    • I needed to reduce my total bills and Freedom Debt Relief was able to come up with a program that will help me. They explained things clearly and gave me a timeline of the progress I would make if I went in to the program. They took all of my debt and they negotiated or is in the process of negotiating with the companies to get a reduced settlement, the amount that I need to pay them. - Stephen

    • Folks might think that they'll be out of debt overnight. That's not the case. It takes time and dedication to reach your goals. Freedom Debt Relief will work out a plan that will fit your current budget and keep you well informed. I've never had a problem getting in touch with, YES a live person that is more than happy to assist me with anything I've asked. I've been in the program for about 9 months and had one of my four debts settled for half of what I owed. Also, I'm on track to pay off the other three debts over the next two years (yes I had a lot of outstanding debt $30k+). This is a great way to get out of debt much faster, for less money, while still being able to live more comfortably with my finances. This program has allowed me to lower my monthly payments to debtors, this relieving a lot of stress. They've been there for me 100%. Just remember, YOU MUST FOLLOW THEIR INSTRUCTIONS EXACTLY TO SUCCEED AND YOU WILL REACH YOU FINANCIAL GOALS! Your credit score will take a hit at first, but will improve gradually as your debts are resolved. I am very pleased with this service and would recommend anyone in my situation to follow through with this program and watch not only your debts, but your stress melt away. Thank you all. - Ken

    • It takes a little time you have to build up some reserve. They work with you all the way. Don't answer the phone calls when they start, be patient and everything falls into place. Glad I did it, still working on my account it's in good hands. Its a relief, you'll be glad you did it. Everyone is professional and great. - Joanne

  • Freedom Debt Relief: Debt settlement programs like the one offered by Freedom Debt Relief involve letting creditor accounts go past due, which could impact credit score. However, once the debts are resolved, clients should be on better financial footing to rebuild their credit.

    What our clients say:

    • When I decided to go with Freedom Debt Relief, due to things getting more difficult after the death of my husband, I had less stress. They took over for me. They worked with my creditors to lower my bills. I hated to see my good credit drop like it did, but lowering my stress level was worth it. My credit is INCHING back up, but no more credit cards, and I am near my graduation date. It is such a good feeling. The people I have dealt with have been so friendly and encouraging. Making me feel like I am doing the right thing, and they seem to be happy for me and are celebrating with me. I would recommend Freedom Debt Relief to anyone going through a difficult financial time. Right from the beginning, I felt it was the right decision. - Loisanne

    • Choosing freedom debt relief is the best decision I have ever made I am getting my debt paid off way quicker than I ever thought I could and I'm getting my credit rebuild. Thank you freedom debt relief for coming to my rescue. - Eli

    • I was very afraid of this process at first, but I decided to take the chance and trust the process, and so far my experience has been positive. Freedom Debt Relief is a company you can trust to strategize and negotiate with your creditors. I will admit my credit score has taken a negative turn, but that was expected and it’s a temporary set back for a major comeback. I’m happy with the service and highly recommend them to anyone who is overwhelmed with debt. - Chivas

    • Freedom Debt Relief has done exactly what they said they would do. It was tough when the calls from creditors started but I was given the tips and tools to get through it. It can be scarey to someone who has always maintained a pretty good credit rating but the results will make up for the drop in credit score pretty quickly. It's worth it to me. - James

  • Freedom Debt Relief: It’s extremely difficult to predict how long a debt settlement program could affect someone’s credit and/or how long it could take to rebuild credit after debt settlement. Everyone’s credit profile is unique and a person’s ability to rebuild credit health depends on many factors.

    What our clients say:

    • I contacted freedom after over extending my credit when I had some personal family issues. They explained the process thoroughly and expect to be debt free in four years, Would take me forever on my own . Yes they charge a fee and yes your credit score takes a hit, but, it’s only for a while. - Karen

    • Freedom Debt Relief has helped me settle all my debt and it was hassle free on my part. My debt is so low now that I qualify for a consolidation loan. This will help my credit score go back up quickly, wonderful job!!! - Julie

    • My wife and I couldn't possibly be more pleased with the results we're getting from Freedom Debt Relief. We're steadily working our way out of debt, and our credit scores are improving each month. By far one of the very smartest financial moves we've ever made! - Daniel

    • Freedom Debt Relief has allowed me to pay off my credit card debt over time, saving me money and having my credit score slowly rise to where I will be able to retire with no debt and good credit. Thank you!!! - Robert

    • I had put myself in a financial mess with my credit card debt. I was past due on most of my bills and was at a loss on what to do. I was so upset with myself and embarrassed. I contacted Freedom Debt Relief and couldn't be happier. I am only four months into my program and have already settled on one of my 14 (yes I said 14) accounts and have 3 structured settlements in the process. You have to keep in mind that you are not going to repair your credit overnight. It isn't going to be easy. Creditors are still going to call while you are going through your early stages of your program, but you are going to be so excited when you start receiving settlement offers. You will start to feel the weight lifting off your shoulders. You can watch your client dashboard and see your progress. Trust me, it is worth it. Yes, you are going to pay fees to Freedom Debt Relief for their services but they are going to negotiate your debt to at least half of what you owe. Their fees are worth it. Read other reviews and think about it. I don't think you will be disappointed. - Rebecca

    • So far things are working out. I just started this process so it seems a little scary but it's a road to credit recovery.. I will never make the mistake of getting into debt again. Debt is bondage. Freedom Debt Relief offers me sanity. Thank you for this opportunity. - Gail

    • I was very skeptic at first, but after working with this team for the last couple of years they have truly come through for me. After I very unexpectedly lost my husband I went into terrible debt, they have been working with my creditors and I am slowly, but surely, beginning to see some light at the end of the tunnel. My credit rating keeps improving and I am able to sleep at night again. - Susan

  • Freedom Debt Relief: When they write off a debt completely, a creditor may issue the 1099-C form to the account holder. The IRS considers forgiven debt to be taxable income, but a taxpayer may be exempt from paying taxes if they meet IRS requirements

    What our clients say:

    • I cannot believe this company they are actually getting my debts down, paid off and informing me of what to expect tax wise, FDR is for real!!! I’ so glad I decided to try them. I had gotten myself in a real credit mess, had some unexpected things come up spent a lot of sleepless nights wandering how was I going to pay my bills. I saw an ad online and the rest is history. I like that FDR keeps in touch letting you know what’s going on they don’t leave you in the dark with your money. - Ramona

  • Freedom Debt Relief: Yes. Since we began in 2002, Freedom Debt Relief has served over 750,000 clients and resolved over $10 billion in debt—far more than any other debt relief company in the United States. We are passionate about helping people create brighter financial futures. Visit our Freedom Debt Relief website to learn more about our commitment to integrity.

    What our clients say:

    • Customer service was excellent, they talk to you like a person and they treat you with respect due to your circumstances. They communicate through emails or call but mostly through emails. Very professional, respectable company that treats you well even if you're in a bad situation or because you're sick. I actually thank them because I am sick and they're able to help me so that I appreciate. - Cindy

    • I'm very excited with FDR helping me get out of debt. Without their help I couldn't see my way out. FDR is very honest and everyone I have talked to is kind sincere and helpful. I would and I have recommended them to others. they are a phone call or a click away to help and answer your questions or concerns. Thank you FDR for being in my corner. - Linda

    • FDR’s services and education have been a huge blessing to us. We were drowning under credit card interest and growing debt. Now we have a plan, better understanding and wisdom. We’re so grateful for a fresh start because of this reputable company. - Shawne

    • I signed up with them because it seemed like a reputable company with a good track record. They're always there. Whenever you call them someone pick ups and answers your questions and they're friendly and courteous. They have an email alert and they also make phone calls and send out letters. They have plenty of ways to communicate what is going on with my account with them. - Duwanta

    • I was very scared and overwhelmed but they made me feel safe and secure. I felt relief immediately, all of the stress was lifted right away. The online dashboard is very easy to use and you can review your details at any time. Customer support was great and they work with you to understand each step of the way. They also send emails providing you details from start to finish. If you are living check to check and overwhelmed, I recommend this company. - Lonnie

    • At the beginning I was skeptical, but when I decided to enroll with Freedom Debt Relief I was so happy that they were able to help me. They really do help you, this is the best thing I have ever done. Freedom Debt is a legitimate company and very reliable. Thanks to them that I did not have to go in bankrupt. Thanks FDR for helping me! - Denise

    • I had mixed feelings about joining Freedom Debt Relief because I was afraid of a scam BUT, it is legit and it is working, they are making settlements with our debit collectors and paying them off one by one! - Linda

    • I was working with another company and it is nothing compared to Freedom Debt Relief. Anytime I call for help there is always someone answering my calls and questions. They have dashboard which really helps to look at what they are negotiating with your creditors. I give them two thumbs up. They have been great to work with. - Amalia

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