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
Proven results over the years
  • 1 million+clients served
  • 4 million+accounts settled
  • $18 billion+in debt resolved

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

Melissa N
Melissa N.*

Graduated 2020

Enrolled debt: $47,591

Number of accounts settled: 4

Donna H
Donna H.*

Graduated 2021

Enrolled debt: $33,284

Number of accounts settled: 12


Trusted by over 1 million clients


My debt was bigger than w...

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

L. Bubb, Jun 15, 2022


I'm very pleased with the...

I'm very pleased with the service. My credit cards are being being paid off so q...

Cara Sutton, Jun 13, 2022


Learning Experience

I signed up without hesitation and can’t say but just the best. My experience ha...

Gaby Rodriguez, Jun 13, 2022


Freedom did exactly what ...

Freedom did exactly what the said they would and what would happen when they did...

Peter Macgown, Jun 10, 2022


I don’t know what I would...

I don’t know what I would’ve done without FDR. I was drowning in debt but now I ...

Tina Smith, Jun 10, 2022


I had a great experience ...

I had a great experience with FDR. They paid off my credit card debt for half th...

Kathryn L, Jun 03, 2022


I had many questions and ...

I had many questions and a few thing I did not understand the advocates that I t...

Walter Auffermann, Jun 02, 2022



Freedom Debt Relief is excellent.The staff is very helpful and they walk you thr...

Hazel Lowe, May 28, 2022


I am extremely happy to h...

I am extremely happy to have used this company in the past for debt relief. I h...

Rosa, May 28, 2022


I got myself in "credit c...

I got myself in "credit card trouble" just before COVID. I signed up with FREED...

Edna Potts, May 26, 2022


When you're in credit car...

When you're in credit card and can't keep up on the payments. I highly reccomend...

Linda Mcmurray, May 25, 2022


Freedom has a user-friend...

Freedom has a user-friendly platform that helps you understand your financial pr...

Kerry Mitchell, May 25, 2022


To begin I was in debt ov...

To begin I was in debt over my head. I had borrowed funds to payoff my debt. Th...

Sylvia Johnson, May 24, 2022


Freedom debt relief has b...

Freedom debt relief has been awesome, they have taken a big burden off my should...

Charles Hall, May 24, 2022


Great help

Great help, I would recommend them in a heartbeat. Kept in touch with me and set...

Kirsten Williams, May 22, 2022


Excellent program to solv...

Excellent program to solve your monitory issues with confidence and professional...

Betty Scott, May 21, 2022


Freedom Debt Relief is he...

Freedom Debt Relief is helping me reduce my debt, and it is fairly easy. My paym...



Easy to work with

Easy to work with. Made me feel better. I know there is a light at the end of...

Mary, May 19, 2022


I would highly recommend ...

I would highly recommend freedom relief program to anyone that is having any Fin...

Vickie Graves, May 18, 2022


Freedom is great best thi...

Freedom is great best thing to happen to me they have helped me considerably

Dave, May 16, 2022

Rated 4.6 / 5 based on 42,334 reviews Showing our 4 & 5 star reviews.

trustpilot logo
trustpilot rating


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 1 million clients have been served by the Freedom Debt Relief program. We have resolved over $18 billion in debt. We have a team of committed experts working on your side: 500+ certified debt consultants, 200+ debt negotiators, and 300+ 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