Freedom Debt Relief
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Freedom Debt Relief

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Freedom Debt Relief


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SuperMoney Net Recommendation Score +83%



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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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102 users recommend
5 users are unsure
7 users don't recommend
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Community Rating Strongly recommended
% of Debt Fee 15% - 25%
Minimum Debt Owed $10,000
Number of Reviews 114

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 39 states (and Washington, DC). Founded in 2002, it is a well-established company that has been in business for over 10 years.

Key Takeaways
  • Minimum debt balance of $10,000. Freedom Debt Relief only considers clients who have at least $10,000 in debt. This is a typical requirement for most debt settlement companies.
  • AFCC and IAPDA accredited. Freedom Debt Relief is a member of the American Fair Credit Council (AFCC), 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 firm. Freedom Debt Relief has been in business for 18 years.
  • Types of debt settled. Freedom Debt Relief will only settle unsecured debts. These include credit card accounts, personal loans, payday loans, and medical bills.
  • Available in most states. Freedom Debt Relief is available in 39 states.
  • Offers in-house debt relief services. Some debt settlement companies act as intermediaries for larger firms. This company uses its own staff to handle debt settlement accounts.
  • Customer service availability. Freedom Debt Relief allows users to track the progress of their settlement online. It also provides customer support seven days a week. Freedom Debt Relief is strongly recommended by SuperMoney users for its customer service.
Freedom Debt Relief Pros & Cons
Pros Cons
  • Lower than average fees
  • No monthly consultancy fee
  • Has IAPDA accredited debt specialists on staff
  • AFCC member
  • Only considers clients with a minimum debt balance of $10,000
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, personal loans and medical debt

What does Freedom Debt Relief charge?

Freedom Debt Relief operates on a contingency fee basis. Companies operating under a contingency fee model charge fees that are based upon a percentage of the debt at the time the consumer enrolled; occasionally they are based on a percentage of the savings negotiated by the debt-settlement company. Across the industry in general, debt settlement clients typically see a 45% to 60% reduction of their enrolled debt.

Freedom Debt Relief charges fees that range from 15% of the enrolled debt up to 25% of the enrolled debt, depending on the amount of enrolled debt provided.

Debt relief service pricing / costs can vary greatly from one client to another so it's best to speak to Freedom Debt Relief directly to determine an accurate quote.

Does Freedom Debt Relief offer a guarantee?

No, Freedom Debt Relief does not have a money back guarantee. Some debt settlement companies advertise a money-back guarantee that typically states you won't be charged until your debt is settled. However, it is illegal for debt settlement companies to charge upfront fees before an account is settled. So these guarantees offer little added value to consumers.

What is the minimum debt Freedom Debt Relief will consider?

Freedom Debt Relief will only consider customers with unsecured debt of $10,000 or more. Customers with less than $10,000 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 American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA).

  • Freedom Debt Relief is an accredited AFCC member.
  • Freedom Debt Relief is an IAPDA member.

Freedom Debt Relief Disclosure: Clients who make all their monthly program deposits pay approximately 70-75% of their original enrolled debts over 24 to 60 months. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. 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 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.
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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.


  • Headquarters
  •   1875 S Grant St #400
    San Mateo, CA 94402
  •   Visit Site

Hours of Operation

Pacific Time
  • 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

Other Services by Freedom Financial Network

Message From Freedom Financial Network

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 significantly 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 any 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 300+ 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 750,000 people and settled over $10 billion in debt -- far more than any other debt relief company. We look forward to helping you with your debt, too!


  Available in 39 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin

Feature Breakdown

Monthly Fee $0
% of Debt Fee 15% - 25%
Debt Type Unsecured Debt
Minimum Debt Owed $10,000
AFCC Member  
Contingency Model  
IAPDA Member  
In-House Servicing  

Freedom Debt Relief Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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