Last Updated: 10/09/2025
SuperMoney User Recommendation Score +81
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Freedom Debt Relief Review
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
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Freedom Debt Relief FAQ
What does Freedom Debt Relief do?
- Unsecured debt, such as credit card debt, medical debt, and personal loans.
What does Freedom Debt Relief charge?
Does Freedom Debt Relief offer a 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?
What accreditations does Freedom Debt Relief have?
- Freedom Debt Relief is an accredited ACDR member.
- Freedom Debt Relief is an IAPDA member.
Is Freedom Financial Network a legit 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.
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