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Can You Trust Freedom Debt Relief?

Are debt relief programs legit? Yes, and No. Debt relief is a huge safety net for people drowning in debt. It helps them settle their debts for less than what they owe or consolidate several unsecured loans into one that is reasonable and affordable. 

Several companies around the country offer a helping hand with debt settlement. However, some are unscrupulous dealers hoping to exploit unsuspecting and desperate debtors. 

Therefore, it is always wise to do some due diligence on a company before signing up for its debt relief program.

Freedom Debt Relief was founded in 2002 to deliver solutions to consumers trapped in credit card debt. More than twenty years later, the company has become one of the prominent names regarding debt relief. 

The company, which now has employed over 2,000 employees, has since extended its services to help consumers with the following:

  • Medical debt
  • Payday loans
  • Personal loan debt
  • Department store credit card
  • Private student loan
  • Repossessions
  • Collections
  • Lines of Credit

Fundamentally, Freedom Debt Relief programs only cover unsecured loans. 

Why Should I Trust Freedom Debt Relief?

If you are looking for the truth about Freedom Debt Relief, here are four major reasons you can be confident in them and why they matter.

  1. It is an accredited company.

Freedom Debt relief is a founding member of the American Fair Credit Council (AFCC ) and other esteemed organizations committed to upholding the services of legitimate debt relief companies to peak standards.

It offers legitimate debt settlement but does not handle every type of debt. Depending on your debt situation, their certified consultants will advise you on the best options to help you lower your debt. 

The company has served over 850,000 clients and cleared more than $15 billion in debt.

2. Freedom Debt Relief Program services are transparent.

The company facilitates easy access to client services through its online client dashboard, which is available 24/7. Customers can also contact the company to talk to one of their certified customer service agents or debt consultants.

If you choose to work with Freedom Debt Relief, you will go through a straightforward five-step process that includes the following:

  • Financial assessment– the consultant will help you determine your eligibility for the program
  • Deposit– you will be required to save a significant amount in an FDIC-insured account, followed by monthly deposits. The consultant will advise you to stop paying your creditor as they initiate the negotiation process. 
  • Negotiation– Freedom Debt Relief consultants work on lowering your debts by negotiating with creditors on your behalf.
  • Settlement-their consultants will reach a settlement with the creditor with your approval after agreeing on the payments. 
  • Graduate- once you clear your debt, you graduate from the debt relief settlement program.

3. They do not charge upfront fees- According to the Federal Trade Commission, charging upfront fees is illegal, which is the most common sign of a debt relief scam. Freedom Debt Relief charges upfront or any other fee once they have negotiated a payment you must authorize. Additionally, they ensure that the client understands our fees before entering the program. The fee is set at enrolment and remains constant throughout the process.

4. Its Program Information is Open – Freedom Debt relief services are very open, and every vital information is available on their website. Our certified consultants are also ready for your call; therefore, you can count on us whenever you are ready.

Freedom Debt Relief program fights to help clients regain their financial health within the shortest time possible. Depending on your debt situation, the program could take an average of 24-48 months. The company has also recorded settlement within three months of enrolment. Therefore, the possibilities are limitless. 

The debt settlement process often leads to a temporary drop in your credit score, however, you are guaranteed better financial health in the long run, as every debt settlement reduces your debt-to-income ratio.


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