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Last Updated: 04/22/2026

Freedom Debt Relief

in Debt Help from Freedom Financial Network

Last Updated: 04/22/2026

Strongly recommended182 total votes

161 users recommend

7 users are unsure

14 users don't recommend

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Highlights

Community Rating

Strongly recommended

Minimum Debt Owed

$15,000

Settlement Fee %

15% - 25%(Verified 10/09/2025)

Disclaimer popup with additional information

Monthly Service Fee

N/A(Verified 10/09/2025)

Number of Reviews

182

Freedom Debt Relief Review

Freedom Debt Relief is a debt settlement company based in San Mateo, CA. It offers debt relief services to borrowers in 31 states (and Washington, DC). Founded in 2002, it is a well-established company that has been in business for over 20 years.

Key Takeaways

Freedom Debt Relief does not charge any service fees until your first settlement is authorized and the first payment has been made. However, there are charges for a dedicated debt settlement account: a one-time $9.95 setup fee and a recurring monthly account maintenance fee of $9.95.
Minimum debt balance of $15,000. Freedom Debt Relief is recommended for clients who have a total debt balance of $15,000 or more.
ACDR and IAPDA accredited. Freedom Debt Relief is a member of the Association for Consumer Debt Relief (ACDR), which is the largest trade association for the debt settlement industry. It also employs debt resolution specialists that have been trained and accredited by the International Association of Professional Debt Arbitrators (IAPDA).
Well-established company. Freedom Debt Relief has been in business for 24 years.
Only considers unsecured debts. Freedom Debt Relief will only settle unsecured debts. These include credit card accounts and personal loans.
Available in most states. Freedom Debt Relief is available in 31 states, and Washington, DC.

Freedom Debt Relief Pros & Cons

Pros

Cons

Lower than average fees
No monthly consultancy fee
Has access to IAPDA accredited debt specialists
AADR member

Your credit score may be negatively affected during the program.
Recommended for clients with a minimum debt balance of $15,000 or more.

Freedom Debt Relief FAQ

What does Freedom Debt Relief do?

Freedom Debt Relief offers debt relief services for the following types of debt:

Unsecured debt, such as credit card debt, medical debt, and personal loans.

What does Freedom Debt Relief charge?

Freedom Debt Relief charges a settlement fee based on the debt handled. Instead of monthly payments or upfront fees, Freedom Debt Relief only collects a fee once a settlement has been reached. Fees are calculated as a percentage of the enrolled debt and may vary by state. Across the industry, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt before fees.

Freedom Debt Relief settlement fees typically range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on state regulations.

Debt relief fees and settlement terms can vary based on your state and individual circumstances, so it’s best to speak directly with Freedom Debt Relief for an accurate quote.

Does Freedom Debt Relief offer a guarantee?

Yes, Freedom Debt Relief does advertise a program guarantee and you won't be charged any fees until your debts are settled. Charging upfront fees is illegal in the debt settlement industry anyway. Check with Freedom Financial Network for more details on their guarantee.

What is the minimum debt Freedom Debt Relief will consider?

Freedom Debt Relief is recommended for customers with an unsecured debt of $15,000 or more. Customers with less than $15,000 of unsecured debt may benefit from a debt consolidation loan or credit counseling services.

Does Freedom Debt Relief perform its own servicing in-house?

Yes, Freedom Debt Relief employs its own in-house servicing staff who manage the process and negotiate settlements on behalf of their customers.

What accreditations does Freedom Debt Relief have?

The two main trade associations in the debt relief services space are the Association for Consumer Debt Relief (ACDR) and the International Association of Professional Debt Arbitrators (IAPDA).

Freedom Debt Relief is an accredited ACDR member.
Freedom Debt Relief is an IAPDA member.

Is Freedom Financial Network a legit company?

Freedom Financial Network was founded in 2002, it is a well-established company that has been in business for 24 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

Freedom Debt Relief Disclosure: Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. **This guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, we’ll use the combined total of all the debts you enrolled and settled and the fees you paid to us to calculate your eligibility for a refund.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Freedom Debt Relief

As America’s largest debt relief company, Freedom Debt Relief has helped hundreds of thousands of people overcome debt affordably since 2002. Unlike a loan, the program works by negotiating with your creditors to reduce your debts so you could put them behind you faster and for less than making monthly minimum payments. It all starts with a personal consultation with one of our friendly, IAPDA-Certified Debt Consultants, where we’ll customize a plan that meets your goals and your budget.

If you qualify, the Freedom Debt Relief program could help with unsecured debts you may be struggling with, such as debt from credit cards, medical bills, personal loans, and department store cards. It can’t help with federal student loan debt, mortgages, auto loan debt, utility bills, taxes, or debts from lawsuits.

Once you complete our easy enrollment process, you’ll get access to a private online Client Dashboard that gives you total visibility into the progress we’ll be making on reducing and resolving your debts. Anytime you want, you can track the status of each debt negotiation, make updates to your account, get access to helpful videos, and more. And if you ever have a question or just need someone to talk to about your program, our team of 200+ Customer Service Representatives is just a phone call away.

Since we began helping people with the debt in 2002, the Freedom Debt Relief program has served over 1 million people and settled over $20 billion in debt -- far more than any other debt relief company. We look forward to helping you with your debt, too!

Contact

Headquarters

1875 S Grant St #400

San Mateo, CA 94402

(800) 910-0065

Visit Site

Email Support

Hours of Operation

Sunday

6:00AM - 6:00PM

Monday

5:00AM - 8:00PM

Tuesday

5:00AM - 8:00PM

Wednesday

5:00AM - 8:00PM

Thursday

5:00AM - 8:00PM

Friday

5:00AM - 8:00PM

Saturday

6:00AM - 6:00PM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +81, or 4.6 on a 5-point rating scale.

+81

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Freedom Debt Relief Community Reviews

Would you recommend Freedom Debt Relief to your friends?

Jane N.

Apr 6, 2026

May or may not recommend

You definitely save money and you learn how to budget and your bills get paid not much more to ask for

Anonymous

Feb 5, 2026

May or may not recommend

They’re very knowledgeable and they explain everything to you. I do not read very well, so even offered to read it to me. That’s why I think you guys are the greatest thanks.

Andrea B.

Jan 2, 2026

May or may not recommend

I didn't know what to expect when I made the call to Freedom Debt Relief, the representative I spoke with at the time was very helpful and patient with me. After hearing the whole process my next question was how much? When I heard the full breakdown and the monthly payment, I was a bit Leary, but I was glad I made that conscious decision to go ahead and start ...Show More

Anonymous

Dec 31, 2025

May or may not recommend

Excellent service, clear enrollment instructions by email, and also easy-to-navigate app for settlement of the debt.

Anonymous

Nov 19, 2025

May or may not recommend

Alexa was very helpful. She took the time I needed to trust the process. She also sounded like an American and that was extremely helpful. It was a good experience because of Alexa and then Cynthia Fleming answering further questions.

Anonymous

Nov 11, 2025

May or may not recommend

Brandi knew a lot about the business and I was able to understand everything. I felt very good about her answers and willing to be helpful. I have spoken to other debt relief personnel, but Freedom Debt Relief seemed to be the best one and I would highly recommend them to anyone in need of t his service.

Denise S.

Feb 26, 2025

May or may not recommend

Very informative and helpful staff. They helped me get my debt under control. Would definitely recommend to others.

Anonymous

Jan 25, 2025

May or may not recommend

You have helped me a great deal with my debt.

Debra T.

Mar 17, 2023

May or may not recommend

My experience is with both being misled and scammed from the beginning. No contact with creditors for over 6 months then manipulated me into their loan+ and done in 6 weeks! Multiple companies under umbrella and high settlement fees, 4.9% origination fee (non-refundable) on loan and somewhat high rate. Find them deceptive in signing people up and how its handled all the way through. No communication. ...Show More

Shannon S.

Mar 12, 2022

May or may not recommend

Using FDR has been a nightmare. I was not made aware of so much vital information and was mislead on the rest. I ended up paying more than what was quoted and couldn’t get a straight answer from anyone. I would never recommend!

Steven T.

Mar 16, 2021

May or may not recommend

Professional, Informative, reliable, prudent and very interactive. Always responsive and helpful to me whenever I am in need!

Karen P.

Mar 15, 2021

May or may not recommend

Easy way to get your debt under control. You'll wind up with good credit at the end, as opposed to bankruptcy. Making extra payments is key. And communicate with them. You'll get your life under control. And don't turn back! My new policy is I have two have the money in the bank. No more credit cards!!!

Rudy D.

Mar 12, 2021

May or may not recommend

Great company and FDR helped me settle over $50,000! Just finished my last settlement and the loan program helped me save half on the last debt!!! Haven’t used a credit card in over 3 years and have a year left and I will be debt free from credit cards.

Sam R.

Mar 9, 2021

May or may not recommend

Misleading information was given when we signed up about how low they could settle the accounts. Actual average settlement ended up being significantly higher than any numbers quoted verbally or in writing, where we were paying >100% of the original debt after the fees charged on about 1/3 our accounts. Can't ever get a consistent answer out of anyone at their 1-800 number. No information provided about what creditors typically settle ...Show More

Tammy M.

Mar 3, 2021

May or may not recommend

The wonderful thing about FDR is that I don't have to do any work they do all the work for me. I love it!!

Toni M.

Feb 27, 2021

May or may not recommend

While it’s never easy to reconcile debt and deal with all the repercussions that follow, it’s still a much better option to go with a company that can manage it for you. You must pay and stay on top of your situation, but with FDR, they definitely make it easier. It’s not cheap. But it’s worth it.

Jesus R.

Feb 23, 2021

May or may not recommend

yes i would recomend freedom debt relief,i am very happy,with theyir work ,profecional and prompt.thumbs up.

Bernardine C.

Feb 18, 2021

May or may not recommend

FDR takes care of everything. You are given step by step instructions. They are quick to listen and assist. FDR is part of my family. If you are need of debt settlement and do no know where to go, FDR is the company. They are trustworthy and will work with your budget. Thank you FDR for everything you have done to settle my accounts.

Judith I.

Feb 16, 2021

May or may not recommend

FDR has been very professional and accurate in all promised. There have been no surprises and all has run extremely smoothly. Not so happy with the litigation group. I almost missed a deadline due to an inept attempt to contact me. He kept calling cell phone and emailing when I ask that all calls be made to my home phone. He finally called that number ...Show More

Remedios J.

Feb 12, 2021

May or may not recommend

Freedom debit relief helped me get my life back. Now i can roll all my debits into one affordable payment. I’m thankful they have a company that can help people when their in debit with payments that we cant afford to make.

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