I was told that my creditors would be paid off within 5 years. It ended up taking 6 and early in the program I was constantly getting letters and calls from my creditors that payment were late. When I called to find out why my cards were not paid off in the time they estimated I was told it was an estimate and that it was not a guarantee. Payments are sent by check and not electronically to creditors which can cause a delay in receipt. Also they did not sync up the due dates of the cards in the program so that when they sent out checks on the same day to all my creditors some payments were early, some on time, and some were late. When I signed up I was told I had to pay a first and last month payment up front and that the last month payment would be applied to the last payment I owed. That was not the case. They took money out of my account for the last payment, then they took money out of my account for the next month too. When I called to tell them that they overpaid one of my creditors and that all my accounts in the program were at $0 they told me I had to provide copies of my credit card statements to PROVE that my cards were paid in full before they could refund me my prepaid last payment. They were quick to refund me the next month payment that they had already taken out. However, I was HORRIFIED when I saw both my SSN and my husbands SSN number printed in full on the check. When I called I was told that ALL checks (that go out to creditors) have this info printed on them and that is how it has been done since they started the company. They need to WAKE UP and get with the program. In the day of Identity Theft companies should not be printing Social Security Numbers on checks. They also don't send any statements unless you call and ask for them. Overall it was not worth it to join their program. If I had to do it again I would either go elsewhere or just manage it myself. Stay away from Freedom Debt Management!!!!!!!! read more
