Freedom Debt Reviews – A Review of Freedom Debt Relief

freedom debt reviews

Freedom Debt Relief is a debt management firm specializing in handling unsecured debt such as credit cards, medical bills and household bills; private student loans; as well as unsecure business loan debt and personal loan debt.

While enrolling in a debt management program can have an adverse impact on your credit score, it could save money over time as well as help to increase savings.


Freedom Debt Relief stands out from other debt management services by not charging fees until they settle a client’s debts, giving clients confidence that they’re getting the best result for their situation. Plus, Freedom offers a money-back guarantee so there’s no doubt about quality service provision!

Freedom Debt Relief will set up an account specifically for your payments to Freedom Debt Relief, then negotiate on your behalf to persuade creditors to accept an offer that reduces what is owed. When they have come to an agreement, once approved it will start making payments directly to creditors over 24 to 48 months.

The company specializes in settling unsecured debts such as credit card and personal loan debt, while also working with hospitals and medical providers to negotiate medical bills not covered by insurance. Although they don’t help with secured debts such as mortgages or auto loans; nor federal student loans; however they provide free debt evaluation for potential new clients to see if they may qualify for their program.

Most Freedom Debt Relief reviews on Best Company are favorable, with customers praising its customer service and for keeping them updated throughout their debt settlement process. It should be noted, however, that debt settlement may negatively impact your credit score by forcing missed payments; typically this process takes two to four years on average to reach settlement.

Although debt resolution firms may seem attractive, their cost can be high. Even if they manage to reduce your debt by 40%, their fees could add an extra 20% – thus significantly diminishing any savings you might otherwise experience. If you find yourself in dire financial straits, alternatives such as credit counseling or debt consolidation loans might be more suitable options than debt settlement which could potentially damage your credit more severely than bankruptcy would.

Customer service

Freedom Debt Relief is a debt resolution company that assists consumers in settling their credit card, personal loan and medical debts. They do this by negotiating with creditors to pay less than what’s owed – this process may have an adverse impact on your credit score; however it’s better than bankruptcy and can save money in the long run. They provide excellent customer service – answering queries promptly while keeping clients updated about their debt-reduction program.

The company website offers multiple channels to reach customer service, such as over the phone or via chat, along with a comprehensive FAQs section, glossaries and negotiation alerts. Representatives are available seven days a week and it features a dashboard that lets you monitor both your account and progress.

Freedom Debt Relief stands out from other debt consolidation services by not charging upfront fees, and boasts an A+ rating with the Better Business Bureau. Their positive reviews speak for themselves; however, keep in mind that the debt settlement process could harm your credit score – it would be wise to consult a credit counselor first before beginning any program with Freedom Debt Relief.

Customers looking for debt relief have various options available to them, with Freedom Debt Relief being one of the more popular ones. Unfortunately, their fees may be too expensive for some individuals and customer service is not always impeccable. In addition, some employees of Freedom Debt Relief have been accused of prioritizing personal financial gain over serving clients’ needs.

To qualify for the debt-relief program, you must have at least $7,500 of unsecured debt. The company will work with you to assess how much can afford and create a plan to reduce it within 24 to 48 months. However, they will not negotiate mortgages, auto loans, secured student debt or private student debt but instead help settle other types of unsecured debts.

Debt management services, which go further than debt-resolution programs, may also help. Such services allow you to consolidate debt into one monthly payment and possibly avoid interest and late charges on debts; however, the process could have adverse effects on your credit report that make new loans or credit cards difficult to come by.


Freedom Debt Relief stands out among debt relief services with their excellent customer service representatives and easy website navigation, garnering them high rankings on TrustPilot and ConsumerAffairs while still receiving above-average amounts of complaints despite this outstanding rating as one of the premier debt settlement companies available today.

If you are contemplating joining a debt settlement company, it’s essential to remember how this will impact your credit score. Negotiations with creditors means no payments on loans will be made which in turn lowers your score further. Furthermore, any “agreed or settled” debts on your report may impact future borrowing ability and could prevent other lenders from offering you loans or credit in the future.

Debt relief companies such as Freedom Debt Relief help individuals negotiate with lenders to settle debts for less than they owe. Debt resolution companies typically focus on unsecured debts such as credit card, household bills and some private student loan debt; they cannot settle secured debts such as mortgages, auto loans or federal student loans.

Debt settlement may seem time-consuming and complicated, but in the long run it may prove worth your while. Furthermore, debt settlement is typically cheaper than other consolidation solutions like debt management plans or bankruptcy filing. It’s important to keep in mind that working with a debt resolution company could potentially damage your credit rating.

If your credit score is in danger, consider selecting another service provider with better BBB ratings and fewer complaints, like National Debt Relief which has better BBB ratings and less complaints than Freedom Debt Relief. It would also be worthwhile enquiring whether any company provides money-back guarantees.


When it comes to debt relief, people have numerous options at their disposal. From debt settlement and credit counseling to bankruptcy protection. Debt resolution companies like Freedom Debt Relief offer their services by helping consumers settle their debt for less than they owe.

This company specializes in settling credit card, medical bill, personal loan and other unsecured debts such as medical bills. Unfortunately, they don’t handle secured debts like mortgages or auto loans tied to collateral such as mortgages or car loans; nor can they settle federal or private student debt. Most clients enroll in their program with at least $7,500 worth of unsecured debt that has become overdue or they face some type of financial difficulty to qualify. During the process, clients stop making payments to creditors in favor of deposits into an FDIC-insured account which may negatively impact their credit score but serves as a signal that creditors know you mean business!

Freedom Debt Relief reviews tend to be positive; however, some consumer watchdog agencies have raised issues with its practices. The Consumer Financial Protection Bureau sued Freedom Debt Relief in 2019 for charging advance fees and mislead customers about services. Furthermore, consumers were sometimes misinformed about their rights for funds deposited into an account; these issues may dissuade some from using Freedom Debt Relief’s service; National Debt Relief’s lower fees and better Better Business Bureau rating may be better options when looking to reduce debt.

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