How Freedom Debt Relief works

End your debt stress with a proven, affordable debt relief program. Our consultants will guide you through every step.

  • $15 billion+in debt resolved
  • 850,000+clients served
  • 20 yearsas a trusted leader
happy Freedom Debt Relief woman client

How it works

5 simple steps to debt relief

Freedom Debt Relief’s program is not a loan and does not charge signup fees. We talk to your creditors about settling your debts for less than you owe in as little as 24-48 months.* You don’t owe us a thing until we negotiate an acceptable settlement.

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Start with a free debt evaluation

First step mobile

We’ll discuss your debt, goals, and options. We’ll come up with a debt relief plan that works with your income and expenses.


Make one low monthly deposit

Add money mobile

Instead of struggling to make payments to your creditors, you can potentially free up more cash by choosing to set aside those funds in a dedicated account used to fund settlements.


Approve your settlement offers

Approve offer mobile

Our expert team negotiates with your creditors on your behalf. You’ll get notified online and on your phone when new settlement offers come in.


Pay off your enrolled debt

Pay debt mobile

Once you have authorized a settlement, payments will be made directly from your dedicated account to the creditor.


Focus on your life again

Focus on your life mobile

When you successfully complete the debt relief program, you’ll be free of the debts you enrolled so you can move forward with your life.

1 Images shown above are for illustrative purposes only. Individual results are not typical and will vary.

Find out how Freedom Debt Relief can work for you

  • Reduce what you owe
  • Pay less each month
  • Get rid of debt faster than making minimum payments
Get your free evaluation

Or speak to a debt consultant 800-910-0065

older male Freedom Debt Relief client