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The Truth About Freedom Debt Relief

Many debt relief companies say they offer programs that could help you get out of debt faster and for less. But not all of them tell you the truth about who they really are.

At Freedom Debt Relief, we want you to feel confident about using our program to resolve your debt. People who are educated about our program are more likely to succeed, so we want to answer all of your questions before your program even starts. Find out more about how Freedom Debt Relief could create a custom debt relief program personalized to fit your budget and financial goals.


We are the established leader in debt relief

  • Since 2002, over 650,000 clients have been served by the Freedom Debt Relief program.
  • We have resolved over $10 billion in debt—more than any other company in the U.S.
  • Over $200 million in debt resolved each month.
Life preserver

We are committed to helping clients excel

  • Seven days a week, our Certified Debt Consultants and Customer Service Representatives provide clients with help and guidance on every step of their program.
  • Clients have full access to their information on our online Client Dashboard, where they can track their progress from anywhere at any time.
  • Throughout our program, we provide the support, tools, and resources clients need to reach their goals and improve their financial well-being.
Helping hand

We value our reputation and work every day to improve it

  • In 2010, we were involved in establishing Federal Trade Commission rules that ban abusive debt settlement practices.
  • As a founding member of the American Fair Credit Council (AFCC), we’ve helped set ethical standards for the debt negotiation industry since 2011.1

Why Choose Debt Relief?

If you’re considering debt relief, it’s a good idea to understand the debt relief process before committing to it. These frequently asked questions could help you figure out if debt relief is right for you.

What Is Better, Debt Settlement or Debt Relief?

Debt relief can refer to many different debt solutions, including debt consolidation and credit counseling. Debt settlement, also known as debt resolution and debt negotiation, is one of these solutions.

In the debt settlement process, you or a company you hire negotiates with your creditors in an effort to reduce your overall debt and save you money. This process differs from other debt relief solutions like debt consolidation, where you take out a loan to combine all of your debts into a single payment and pay it off at a lower interest rate.

The debt relief option you should choose depends on how much you owe, how much you can pay, and how quickly you want to be out of debt. Usually, people who choose debt settlement owe $10,000 or more in unsecured debte, are struggling to make their minimum payments, and want to be debt free in 24-48 months.*

Is It Better to Pay Off Debt or Settle Debt?

Paying off your debt means paying your debt in full, while settling your debt refers to paying less than you originally owe on your debt. If you pay less than you originally owed on your debts through a debt relief program like Freedom Debt Relief, your creditor may report to credit bureaus that your debt is either settled in full, settled, paid, paid by settlement, or settled for less than the full amount.

If you can make more than minimum payments each month and still afford all of your other expenses, paying off debt in full may be a good solution for you. But if you’re struggling to make your payments, falling behind on payments, or you’ve taken out more credit just to keep your finances afloat, paying off your debt could take decades and cost you thousands of dollars in interest on top of that.

The reality is, paying off debt isn’t possible for everyone. Every day at Freedom Debt Relief, our Certified Debt Consultants hear stories from people who are struggling with so much unsecured debt they feel there’s no way out. Our program offers them a solution that could help them avoid bankruptcy and doesn’t require a loan—and it could help you, too.

If you’re struggling to make payments on $10,000 or more in unsecured debt like credit card debt, personal loan debt, medical debt, or debt from certain private student loans, settling your debt could help you significantly reduce what you owe so that you can be debt-free faster. However, federal student loans and secured debt like mortgages or auto loans do not qualify for debt relief.

If you’re having trouble keeping up with your minimum payments and need help, Freedom Debt Relief could be the right option for you. Request a free debt evaluation with one of our Certified Debt Consultants to find out if we could help you get out of debt for less.

What’s the Catch?

If you’re working with a legitimate debt relief company like Freedom Debt Relief, you should know about all aspects of the program before you enroll—not just the upsides. That why we want you to know about things like:


After settling your debt, Freedom Debt Relief collects a fee based on your enrolled debt amount, state of residence, and other factors. Fees range from 15%-25%, averaging at 21.5%. We clearly explain our fees to clients before they enter our program, and our fees never go up once our clients begin their program.

There are no upfront fees for to Freedom Debt Relief for our program, and we never collect a fee until a settlement agreement is reached and a payment has been made toward that settlement.

Credit Impact

Depending on your credit profile when you enroll, all debt relief programs, including Freedom Debt Relief, could negatively impact your credit. While we do not offer credit repair services, by helping you get out of debt faster and for less than you currently owe, our program could put you in a better position for improving your credit. And once you are out of debt, there are many services that could help you rebuild your credit.

Program Length and Debt Reduction

The Freedom Debt Relief program takes an average of 24-48 months.* Since every client’s debt situation is different, no debt relief company can guarantee the amount they will reduce a client’s debt with a creditor—and beware of any company that does, especially if they won’t put their savings claims in writing.

However, because Freedom Debt Relief has such a long history of negotiating with so many top creditors, we are confident that our program could significantly reduce the amount our clients owe. In everything we do, Freedom Debt Relief works hard to ensure the best possible outcome for our clients.

Get started now and see how much you could save!

If you choose Freedom Debt Relief, you’ll be a part of a debt settlement program that has resolved debt for hundreds of thousands of people. Check out our client testimonials to find out how we’ve helped our clients eliminate debt faster for less.