Freedom Debt Relief Program

Be Debt-Free In 24-48 Months
Freedom Debt Relief is one of the highest-rated debt relief companies in the U.S., with over $10 billion worth of debt resolved since its establishment in 2002.
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24-48 Months
Program Timing
Initial Consultation
15%-25% of Debt
Program Fees


Best For
People with significant unsecured debt who want to pay it off.
Type of Service
Debt settlement and debt relief program.
Program timing
Be debt-free in 24 to 48 months (on average).
Program costs
Free initial consultation, no upfront fees, between 15% and 25% of debt.
Customer support
Dedicated debt expert to guide and help you through the program.
Other perks
Online dashboard to track progress and change payment settings.


As a leader in debt settlement, Freedom Debt Relief offers a program to help you lower your monthly payments without bankruptcy or loans. As one of the highest-rated debt settlement companies in the U.S., they have helped resolved over $10 billion worth of debt. Since 2002, more than 600,000 clients have enrolled in the Freedom Debt Relief program.

Freedom Debt Relief program helps people who need help with their debt in 36 states. After the initial free consultation, a designated debt consultant will help you through the entire process, supporting you and answering all your questions. If you have significant debt and want to be proactive to pay it off, this program may be for you. 

The visibility throughout the program is probably their biggest per. With an online client dashboard, you can view your program’s progress and customize the payments and deposits to make it easy to contribute more when possible.

How Does the Freedom Debt Relief Program Impact your Credit Scores?

Freedom Debt Relief’s team conducted a longitudinal study to answer this question more accurately. They took a sample of their clients that completed the program between 2014 and 2018 and tracked their FICO scores, debts, and responsible credit behavior during that period. The study findings confirmed the impact and changes of the client’s FICO scores during and after the program and were validated by a credit reporting agency. 

See here a summary of the findings of the client sample that completed the program:

  1. They dramatically reduced their debt burden relative to when they entered the program. 
  2. The median enrolled debt decreased from $28,000 at the time of enrollment to $3,800 45 months after enrollment.
  3. Their FICO scores continue to improve more than two years after completing the program.

Freedom Debt Relief Program Study Median

Freedom Debt Relief Program Study Time

*These findings have been validated by a credit reporting agency and confirm the impact and changes on consumers’ FICO scores during and after the debt settlement program.

Freedom Debt Relief Program

Enrolling in the program is very easy. You need to contact Freedom Debt Relief through an online form to get started with the process. A debt expert will then contact you to start making a custom plan to get you out of debt. After you start building some savings, the debt experts will negotiate with your creditors a settlement, which is usually less of what you owe. The best part is you won’t have to pay any upfront fees until settlements are agreed upon.

Types of Debt 

The Freedom Debt Relief Program can help you pay off your debt, typically for less of what you owe, faster than if you were to do it independently. One thing to note is that they can only help with unsecured debts, therefore not secured by any collateral. Common types of unsecured debt include credit cards, medical bills, or some personal loans. They can’t help with other debts like federal student loans, mortgages, auto loans, utility bills, taxes, or lawsuits. To summarize:

Debts they can help you resolve:

  • Credit card debt
  • Medical debt
  • Personal loan debt
  • Department store credit debt

Debts they can NOT help you resolve:

  • Federal student loan debt
  • Mortgages
  • Auto loans
  • Utility bills
  • Taxes
  • Lawsuits

The Program Process

Once you have enrolled in the program, you can expect to go through four steps with the support and help of the Freedom Debt Relief team at all times. You can view the program’s status on your client’s online dashboard at any time from anywhere.

  1. Build: Choose the amount of your monthly deposits into a savings account that you control, and it is insured by the FDIC.
  2. Negotiate: Freedom Debt Reliefs experts negotiate with your creditors to settle your debt for less of what you owe. Since they have been in the industry for over 15 years, they have the trust of the creditors.
  3. Settle: You authorize and approve the settlements negotiated on your behalf.
  4. Freedom: Pay the settlement amount and become debt-free.

The Timing

When can you expect to be debt-free after enrolling in the program? This will depend on your particular circumstances and the amount of debt you owe, but on average, the program could help you get out of debt in 24 to 48 months.

Program Fees

You will not pay any upfront fees before you enroll in the program nor for the initial consultation. Once your settlements are complete, Freedom Debt Relief typically charges between 15% and 25% of your total debt.

How to Enroll in Freedom Debt Relief Program

Fill out a simple online form to get started with the program, with no obligation and no fees.

Freedom Debt Relief
Freedom Debt Relief Program

Be Debt-Free In 24-48 Months