Client reviews & testimonials

Millions of others have been where you are. Our Freedom Debt Relief reviews highlight how our clients trusted us to help them find success.

young male Freedom Debt Relief client

Client testimonials

Real stories from real clients

From struggling with debt to living life again, the testimonials below show how our clients used Freedom Debt Relief to successfully reduce debt.

Ozzy graduated from Freedom in 2020

Tools to take control of his debt

Working with Ozzy through his online dashboard, Freedom Debt Relief was able to help him settle over $31,000 in debt in just a few years.

Molly graduated from Freedom in 2019

Peace of mind from her team

With a clear plan, Molly settled over $27,000 in debt with a monthly payment that was much less than what she was paying creditors.

Patti graduated from Freedom in 2019

Freedom to invest in herself

Patti’s team at Freedom Debt Relief was able to help remove her burden of $17,000 in debt. Now the money she was paying to credit cards is going to her savings and her future.


Freedom Debt Relief success stories

These reviews were filmed and voluntarily submitted by clients, telling their personal stories of success. *Actual clients. Clients' endorsements are paid testimonials. Individual results are not typical and will vary.

Luis M
Luis M.*

Graduated 2021

Enrolled debt: $60,834

Number of accounts settled: 6

More Freedom Debt Relief reviews

My debt was bigger than we could deal with due to covid-19. ...

L. Bubb



Rated 4.5 / 5 based on 38,432reviews.Showing our 4 & 5 star reviews.

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What is debt relief?

The type of debt relief Freedom Debt Relief offers is known by several names: debt resolution, debt negotiation, and debt settlement. Debt relief allows you to resolve your unsecured debt (debt that is not backed by collateral like a car or a house; most often credit card debt) by negotiating with creditors and reducing the amount you owe. You could negotiate with your creditors on your own or use a debt relief program like Freedom Debt Relief to help you settle your debt.

During the debt relief process, you usually voluntarily stop paying your creditors and start saving money in a special purpose account (what Freedom Debt Relief calls your 'dedicated account') that is used to hold the funds used to settle your debt. Once enough money is saved into this account, the debt relief company you hired contacts your creditors to negotiate a debt settlement amount that is lower than what you currently owe.

What types of debt can Freedom Debt Relief help me with?

Freedom Debt Relief could help you with debt from credit cards, medical bills, department store cards, and many other types of unsecured debt (debt that is not backed by collateral like a car or a house). Our program cannot help with secured debt, which is a debt that involves collateral (like auto loans and mortgages). Also, we cannot resolve federal student loans. We do help with private student loans and some business debts on a case-by-case basis.

How much does debt relief cost?

Across the industry, debt relief costs vary and are usually a percentage of the original amount of your debt or a percentage of the amount you've agreed to pay with the settlement.

Freedom Debt Relief’s fee ranges between 15% to 25% of enrolled debt (the amount of debt enrolled to be settled)–your rate may vary depending on your state of residency and amount you enroll.

In our program, clients pay FDR no fee whatsoever until a debt is negotiated, the settlement has been approved and the first payment has been made. You will know when a fee is charged because you will approve every settlement deal. Once we reach a settlement with a creditor, we immediately contact you for authorization. After you authorize a settlement and a payment has been made to your creditor, the fee associated with the debt is processed. The total fee associated with the program is included in the monthly savings quoted to you by a debt consultant.

How is Freedom Debt Relief different from other debt relief options?

Freedom Debt Relief is an established leader in debt resolution. Since 2002, over 850,000 clients have been served by the Freedom Debt Relief program. We have resolved over $15 billion in debt. We have a team of committed experts working on your side: 550+ certified debt consultants, 200+ debt negotiators, and 350+ customer service representatives. We are an established employer with 1,300+ US employees in AZ, CA, and TX.

Lastly, Freedom Debt Relief formally has a promise to customers in place to ensure that we deliver results to our customers. This promise is called the Freedom Debt Relief Promise and it assures that: 1. Each prospective customer has an opportunity to learn about their debt relief options , even those beyond our services. 2. Each customer receives a personalized assessment and recommendation of the course of action that offers the best opportunity for consumers to achieve their financial goals. 3. Each customer is fully informed at each step of the process. 4. Each customer has a Program Guarantee that Freedom Debt Relief succeeds only when our customers succeed. In addition to only charging fees when FDR delivers settlements, the Program Guarantee states that when a customer graduates or leaves the program, FDR will refund fees if their settlement and fees are more than the amount they originally owed when they enrolled in the program.

Discover your success with Freedom Debt Relief

  • No upfront fees
  • No loan required
  • No more doing it alone
Get your free evaluation

Or speak to a debt consultant 800-910-0065

black female Freedom Debt Relief client