Freedom Debt Relief Review 2023

Posted on September 22, 2021 in Debt

Freedom Debt Relief is an accredited debt settlement company based in Arizona that helps customers eliminate debt by reducing what they owe. Because they’ve been negotiating with creditors for over a decade, Freedom Debt Relief reviews show the company is extremely well positioned to help you pay off unsecured debts from credit cards, medical bills, unsecured personal loans, and more. They claim to resolve an average of 50,000 accounts per month and to use their experience and clout to negotiate larger savings for clients.

If you’ve ever felt the sensation when your debts increase and you feel like all hope is lost, you’re not alone. The average American has about $10,000 in credit card debt, and our review of Freedom Debt Relief will help you understand how to find debt relief today and start building a path to wealth.

If you’re struggling with high-interest loan rates and late fees, it might be time to consider a debt settlement program. Freedom Debt Relief is the nation’s leading company for debt settlement services. They negotiate with creditors to lower the amount of unpaid debt you owe.

The Freedom Debt Relief company has been in operation for over 20 years, helping many people to get back on track financially by settling their debts. They do so by charging 18% to 25% of the money paid, with an average fee of 21.5%.

Freedom Debt Relief Company Overview

Arizona-based Freedom Debt Relief company is one of the most well-known names in the country. They specialize in helping people with debt management and paying off their debts. Since 2002, the company has helped over 650,000 customers and paid back $10 billion in debt.

Before committing, you should determine if debt settlement is worth it for your personal situation, but it can be a valid strategy if you are struggling with debt. A few of the common risks are as follows:

  • It is not always a cheap service.
  • You will risk damaging your credit.
  • Settlement options may be limited, and the promise of paying off debt for a fraction of the balance owed is uncertain.

Like other debt relief firms, Freedom Debt Relief provides a free consultation to help you understand how the process could work in your case. During this call, you’ll also get an approximation of how much money you may save and how long you’ll be in the program.

The American Fair Credit Council and the International Association of Professional Debt Arbitrators have both certified the firm. The Better Business Bureau also awarded the Debt Settlement company services an excellent B+ rating.

However, the Consumer Financial Protection Bureau sued the firm in 2017, alleging that it charged individuals without resolving their debts as promised, forced them to negotiate their settlements, and deceived consumers about its costs.

Freedom Debt Relief is still going strong despite paying $20 million in settlements and fines. They maintain an excellent 4-star rating on Trustpilot with over 30 thousand reviews from consumers who experienced success after working with this firm!

How Does Freedom Debt Relief Work and Who is Best Fit For it?

Freedom Debt Relief works with consumers with much-unsecured debt from credit cards, medical bills, and personal loans. To qualify, you need an aggregate total balance of $7,500 in debts combined. That includes any credit card with a deficit of $500 or more. The firm does not help people with debt that has to do with a house, car, or federal student loans. Private student loan debt may qualify however.

Freedom Debt Relief has a 4.7/5-star rating from LendingTree reviewers. If you want additional information about how the firm works, contact the Freedom Debt Relief office or fill out an online form. You must make monthly payments into a Freedom Debt Relief account for when they negotiate with creditors on your behalf for a settlement. Start by getting a free debt relief quote today!

Freedom Debt Relief Log In

Sign up for an account

You must sign up for an account on Freedom Debt relief if you want to get their support. However, you must also schedule a consultation first on their website. First, fill out an online application form. You’ll then supply personal information such as your name, email address, and home address.

Freedom Debt Relief Dashboard Sign In

Users who have signed up for a Freedom Debt Relief account can access account information by logging in to the Freedom Debt Relief Client Dashboard. You will also be able to easily track program progress, upload documents, and use the Freedom Debt relief dashboard to monitor your debt negotiation activity. You can also watch instructional videos, read frequently asked questions, and learn more about how to stick to the program that Freedom created for you.

Examine the options for repayment

The company will mail you a repayment plan after they have analyzed your case. You can use the Freedom Debt Relief logins on their website to access this document. Freedom Debt Relief payments are customized to fit your budget, and could even cost less than your current monthly minimum payment.

Cease making further monthly payments

The Freedom Debt Relief login gives you access to a document that displays how and where your cash will be used. You can then stop making payments into your bank accounts and start making them into the Freedom Debt Relief saving account.

Wait until they have agreed.

After that, you may wait for the debt relief firm to negotiate with creditors on your behalf. You will be sent updates via email to your Freedom Debt Relief account.

Agree to the settlement’s terms

After the talks have concluded, you can approve the proposed settlement offered by the debt relief firm.

Settle the debt

If you decide to use the debt settlement services, Freedom Debt Relief will pay off your creditors from the saving account they established for you. They’ll also collect their payments from the same source.

Repeat the procedure

With this technique, you will pay the debts off one by one until they are all erased. Depending on how many debts you’re trying to pay down, the debt settlement procedure might take anywhere from 24 to 48 months.

Freedom Debt Relief Phone Number

Freedom Debt Relief is always available to help you with any of your financial needs. You may reach them at 800-655-6303 for current clients and 800-230-1553 for non-customers. You can contact a qualified debt consultant from Monday through Friday, 8 a.m to 11 p.m

Other customer service professionals are available on Saturday and Sunday from 10 a.m. to 8 p.m.

Pros and Cons of Freedom Debt Relief


  • You could be debt-free in as little as 24-48 months
  • The client dashboard allows you to keep track of your work in real-time.
  • You might be able to pay off your debt for significantly less than you owe.
  • Will deal with various types of debts. 
  • Although the settlement fees are hefty, they are reasonable when compared to the competitors.
  • There are no settlement costs upfront.
  • Accredited debt specialists can assist you in negotiating and repaying your debts.


  • You’ll almost certainly owe taxes on any debt that’s been forgiven.
  • Time frames will vary depending on how much debt you owe
  • There is no certainty that debt will be resolved or reduced.
  • Creditors may opt to take you to court.
  • Interest charges escalate quickly.
  • It is detrimental to your credit.

Freedom Debt Relief Reviews & Testimonials

Freedom Debt Relief strives to be a people-first firm to provide the best possible debt settlement services for individuals. This has resulted in excellent outcomes for many clients.

Here are a few clients’ reviews of Freedom Debt Relief services.

Diane M., 2019-02-15

“I would recommend Freedom Debt Relief to my friends who are having problems. Freedom Debt Relief work with all of your creditors to reduce the amount you owe, which has helped me pay off my debt quickly. They have fantastic people who work with you to ease your mind.”

Cathy T., 2019-05-14

“I am very happy about the progress I have made in reducing all the credit card debt I was drowning in. Things are moving along pretty quick and that makes me very happy. I just lost my husband a few months ago and I didn’t know how I was going to continue with the program, but with the progress Freedom is making, I can’t afford not to continue. Everyone is very nice and friendly and I couldn’t be more pleased. Thank you Freedom Debt Relief. You saved my life!”

Mary J., 2019-02-25

“When my husband passed away, I was drowning in credit card debt. Freedom Debt Relief showed me how to reduce the debt and be able to breathe again. Thank you FDR.”

 David B., 2018-07-24

“So far Freedom Debt Relief has been stellar in the negotiation of reducing my debt. Very easy to use and really reduces the stress I had gotten myself into. I recommend Freedom Debt Relief to anybody in need of help for financial freedom.”

Freedom Debt Relief Review FAQs

Is Freedom Debt Relief bad for your credit?

Yes, it harms your credit. Entering a debt settlement program means that you will stop making payments on other bills. If you do this, your credit score may go down, and it can even affect your ability to get credit in the future. It takes seven years for delinquent accounts to fall off of your credit report.

Is the Freedom Debt Relief program legit?

Yes, Freedom Debt Relief is a legitimate company that has helped many people with their debt. It’s also a Platinum member of the International Association of Professional Debt Arbitrators and the American Fair Credit Council.

Are debt relief programs really worth it?

It depends on the debt relief program you sign up for, but it is generally worth it. Freedom Debt Relief has helped many people with debt and saved them thousands of dollars in interest rates and fees. However, you must be careful to read all the terms before signing anything.

How much does Freedom Debt relief charge?

Freedom debt relief is not allowed to charge you an advance fee. When they help you, they take payment from the amount of debt that is paid. The price is calculated and ranges from 18% to 25%, depending on your state. You will only pay the one-time setup cost of $9.95 and the monthly service fee of $9.95 for a special account when you start with Freedom Debt Relief.

Freedom Debt Relief Review: Final Verdict

A final review of Freedom Debt Relief shows the company is proven leader in helping you pay off your debts. If you have at least $7,500 in debt and can’t make payments on your own, talk to them. Freedom Debt Relief won’t ask for money upfront, and they will do a free consultation with you before they work with you. When seeking debt relief as a farmer, individual or otherwise, it would help if you also talked to other debt settlement companies before making a final decision because not all of them will work the same way as Freedom Debt Relief does.

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