Freedom Debt Relief
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Freedom Debt Relief

Become Debt-Free Faster
Enroll in a custom program to help you become debt-free by negotiating and settling your unsecured debts like credit cards.


What is Freedom Debt Relief?

Established in 2002, Freedom Debt Relief is the largest debt settlement company in the United States. Their team of over 2,000 trained professionals strives to exceed their clients’ expectations by providing debt reduction and financial education solutions that foster wealth-building and financial freedom. To date, they’ve served over 800,000 consumers to resolve over $10 billion in debt. 

How Freedom Debt Relief Works

Freedom Debt Relief makes it easy to get the help you need. Simply reach out to discuss your situation and get a complimentary evaluation with a Certified Debt Consultant. They will review your options with you and calculate how much time and money you could save by enrolling in their debt relief program.

Is Debt Settlement for You?

There are many pros of debt settlement you should be mindful of before deciding if it’s for you. For starters, it expedites the debt-payoff process by having their experts negotiate with your creditors on your behalf to reduce the total amount you owe. This can help you save money and resolve your debts more quickly than other methods. During the process, you will also receive educational resources that teach you how to adopt healthier budgeting and overall money management habits.

However, this program could negatively affect your credit, as it involves letting accounts go past due in order to show financial hardship to your creditors. However, a study of Freedom Debt Relief Graduates shows that the median FICO score declines in the first 6 months of enrollment, and begins a steady recovery process soon thereafter. On average, Freedom Debt Relief Graduates observe higher FICO scores in the two years after graduation when compared to their FICO score at enrollment. So if getting on better financial footing for the long term is more important to you than improving your credit score in the short term, this program could be the right solution. In addition, Freedom Debt Relief offers support to qualified clients through an independent law firm should you face potential legal action from a creditor. 

Weigh the benefits and drawbacks to make an informed decision that best suits your needs.  

The Freedom Debt Relief Program 

How the Freedom Debt Relief Program Works 

If you decide debt settlement is right for you, the next step is to find a viable program. Freedom Debt Relief offers a solution that’s worth considering. Here’s how it works: 

  • Phase 1: Grow the balance in your FDIC-insured dedicated account. These funds will be used to execute your custom debt-payoff plan.  
  • Phase 2: Freedom Debt Relief negotiates debt settlement offers with your creditors. 
  • Phase 3: You review, authorize and approve each debt settlement offer. 
  • Phase 4: The debt settlement offers are executed on your behalf. Once the funds are paid to the creditor, you no longer owe on the account. 

What Type of Debt Is the Program For?

The Freedom Debt Relief (FDR) Program covers unsecured debts, including credit card debt, department store debt, personal loans, and medical bills. Unfortunately, the program cannot assist with debts secured by collateral, like auto loans and mortgages, or federal student loan debt lawsuits, tax debt, and utility bills. 

How Much Does the Program Cost?

Freedom Debt Relief makes their money by charging a fee on the debts they negotiate for you. The fees range from 15% to 25% of the total debt, depending on where you live and how much debt you enroll. You pay no fees until a debt is negotiated. The fee amount is included in the monthly deposit amount that you agree to before you enroll. 

How to Get Started with Freedom Debt Relief

You can get started with Freedom Debt Relief by getting a free debt evaluation. Call 1-800-611-6061 or submit an online inquiry to learn more

FAQs About Freedom Debt Relief (5)

  • Is Freedom Debt Relief legit?

    Absolutely. Freedom Debt Relief has more than 15 years of industry experience helping consumers settle over $10 billion in debt. On average, the firm negotiates and resolves 47,000 accounts per month. They’re also the largest debt settlement firm in the country and proud members of the International Association of Professional Debt Arbitrators (IAPDA) and the American Fair Credit Council (AFCC).

  • What Is the Freedom Debt Relief Program?

    The FDR Program is designed to help you get rid of debt faster than making your minimum payments and save money. Expert debt professionals work on your behalf to negotiate and settle your debts with creditors. You learn more about the program on this link here.

  • How does Freedom Debt Relief affect your credit?

    As debts are settled under The FDR Program, creditors update the account status to “Settled”. These debts remain on your credit report for up to seven years and could impact your credit score. Settled accounts may be negative marks in the eyes of potential creditors. However, a study of Freedom Debt Relief Graduates shows that the median FICO score declines in the first 6 months of enrollment, and begins a steady recovery process soon thereafter. Plus, you can restore your credit health by responsibly managing other debts and adding credit-building accounts to your credit profile.

  • What fees does Freedom Debt Relief charge?

    There are no upfront fees to enroll in the program. However, a flat fee between 15 and 25% of the settlement amount is assessed each time you settle a debt. The amount depends on the state you live in.

  • Does Freedom Debt Relief have an app?

    Freedom Debt Relief does not offer a mobile app at this time. However, you can check the status of your accounts at any time through the client dashboard.

Freedom Debt Relief

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Freedom Debt Relief

Why Us

Seamless Process

Easily enroll in the FDR program with minimal barriers. You don’t need good credit, there are no upfront costs, and you will make one low monthly payment until your debts are settled. You can check the status of your accounts 24/7.

Experienced Team

Freedom Debt Relief’s team of over 2,000 highly-trained customer service representatives helps take the guesswork out of alleviating your debts. They have the tools to negotiate fair settlement offers for their clients.

Fast Debt Relief

The average enrolled debt in the FDR program is $28,463, with an average program length of 37 months. Results vary, and each plan is customized to fit your needs and budget.


Freedom Debt Relief


Freedom Debt Relief Program

Freedom Debt Relief
The FDR Program is an affordable solution to help minimize your debt load. A dedicated team member works with your creditors to negotiate a settlement offer that helps you get rid of debt without blowing up your budget. The program covers credit card debt, department store credit debt, medical debt, and personal loan debt. Free consultations are available, and their experts will negotiate with your creditors to reduce your debts.

Get the Financial Relief You Deserve

It’s time to make your debt troubles a thing of the past. Whether you’re bogged down by credit card, department store credit, personal loan, or medical debt, the team at Freedom Debt Relief is standing by, waiting to assist. Get your free debt evaluation today to learn more about how their debt-settlement programs can help you.

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