Disappointed With Freedom Debt Relief When I Needed Help Most I'm honestly very disappointed with my experience with Freedom Debt Relief. I had heard so many great things about the company, which is why I decided to enroll with them. My goal was to have help negotiating and paying off my debt without having to file bankruptcy, and initially, everything seemed to be going well. Unfortunately, one of my creditors eventually sent me a Summons and Complaint. I immediately contacted Freedom Debt Relief, uploaded all of the documents they requested, and expected to receive guidance on what I needed to do next. An attorney from Arizona eventually contacted me, but I was told that they could not help me file the necessary paperwork. I remember thinking, that's exactly what I need help with. I'm not an attorney. I don't know how to properly complete or file legal paperwork, and I enrolled in a debt relief program because I needed help navigating situations like this. Instead, I have been left trying to figure everything out on my own researching the paperwork, trying to understand what needs to be filed, and navigating the court process without the legal guidance I thought would be available when a creditor actually sued me. I understand that debt relief companies may have limitations regarding what they can legally do, and I'm not expecting them to represent me in court. But I do wish those limitations had been made much clearer from the beginning, especially regarding what happens if one of your creditors files a lawsuit. This has been extremely stressful and disappointing. I trusted Freedom Debt Relief to help me navigate my debt, and when I reached a point where I needed guidance the most, I felt like I was left on my own. I'm still trying to resolve everything and avoid bankruptcy, but right now, I'm having to navigate the legal process by myself and that is not what I thought I was signing up for. read more

I signed up with this company for help with credit card debt accumulated due to financial difficulties during COVID. When I enrolled, I provided four credit card accounts that I intended to include in the program. The company only resolved two of the four accounts. When I discovered the other two had not been included, I was told that I had somehow chosen not to include them, which was not my understanding or intention. I was then told they would not or could not add them back to my program. I was ultimately able to pay off my remaining debt in full myself, earlier than expected. Even that process was unnecessarily difficult. Getting a clear and accurate payoff amount was challenging. I was given an amount that I paid, only to later be told I owed several hundred dollars more, without a clear explanation of why the amount changed. Payments also took 7-10 days to transfer and be applied, unnecessarily prolonging the process and the amount of time you're required to use the company. Most concerning, after my debt was completely paid off, the company continued charging me fees for an additional two months. There was no remaining debt for them to resolve, yet I continued to incur charges. Overall, I am very dissatisfied with how my account was handled. I expected assistance with four credit cards, but only two were resolved through the program. I experienced unclear and changing payoff amounts, lengthy processing times, and continued fees after my debt was paid in full. The experience left me with serious concerns about the company's practices and transparency. I recommend contacting your credit card companies directly to negotiate before paying a third party to do it for you. The only reason I'm giving two stars instead of one is because the customer service women were consistently kind and helpful but unfortunately had little authority to resolve my issues. read more

They have stolen over $8,000+ from me, yes, stolen! They convinced me signed up with them in OCTOBER 2023. Due to the interest rates increasing, I agreed too let them help me solve my credit cards. Yes, I'm an idiot for not checking my "dedicated" acct sooner than I did & see what they've been doing to me! The 1st 13 months I continuously checked my deposits & monies they were taking for payment fees. After speaking with several of them, I was informed that it would a $9.95 monthly "Settlement Fee". Then on OCTOBER 07,2024 they pulled $1098.75 from my dedicated account for "MONTHLY SERVICE and again n NOV 07, 2024 the took another $301.oo for MONTHLY SERVICE FEE while still continuing to take $9.95 MONTHLY for PAYMENTS/DEBT.. What the hell's the difference between these fees? They waitedgor a year before they started taking more $$ than $9.85 month from us, they're thinking, after a year of all of use Feedom Debt Relief helping us that we SEE they're taking a LOT more money when we'renot looking because of the faith, we have in them After a year since it looked good for us, & for the year first years these FEES were low in here! As of FEB 2026, they have taken more than $8,500.00 in SETTLEMENT FEES & MONTHLY SERVICE FEES AND my DASHBOARD showed $2,887.00 was the ONLY $$ AMOUNT PAID TOWARDS MY ACTUAL DEBTS!! The SETTLEMENT FEES were in the THOUSANDS! BTW, Who's CRISSROADS (FDR)? They are the company that's tied to FDR & taking my auto payments!! There's another unknown Vo that's associated with FDR, WHY is There's a CLASS ACTION LAW SUIT in the TOP CLASS ACTION site, ive signed up with them. Also check eith the FEDERALTRADE COMMISSION (FTC), they have an investigation in process as well. read more

This Scam is Bigger almost than the Trump scams. This is a ripoff totally!! They lure you in with nice lady's that say oh this is the best company and all that bullshit. I have been paying 300. A month for 13 months now. They have kept almost every dime of it. Creditors got paid VERY Little. I can't sleep at night it's worse than before I got sucked into this. My only option now seems to be bankruptcy. I owe everything I did 16 months ago plus a lot more my credit score dropped to 500. To sign up with this is one of the biggest regrets in my life. Don't do it you will regret it I only wish I would've seen these other regrets on yelp before I gave away about 6k and have still have the same debt I had 14 months ago. These people are just stealing money and loving it. DO NOT DO IT You will regre it. read more

Excellent Ashley answered all my questions she was kind and knowledgeable. Her customer service was on point. read more

I regret enrolling with Freedom Debt Relief. In February 2025, I followed their exact instructions to submit a manual payment to American Express. FDR confirmed receipt--but never forwarded the funds. As a result, my settlement was voided. When they reinstated it, my balance had increased by nearly $2,000, and I was told in writing that $4,995.60 in settlement fees had already been collected. I've asked multiple times for documentation showing how these charges were calculated or whether they were duplicated. I've never received an answer. They also failed to act on another enrolled account (Barclay, now owned by Portfolio Recovery) despite receiving the required documents. That inaction hurt my credit score further. I've filed complaints with the BBB and CFPB and still haven't received a full explanation or fair resolution. Avoid this company. There are far more transparent, trustworthy options for debt support. read more

Dont do it! I made the mistake of filling out a form and now they call me 2-3 times a day and from different numbers each time. I have requested to be taken of the call list 100 times. I've cussed them out, I've tried being nice, I'm now going to file a complaint with the BBB. 4 months they call me everyday. The worst company ever read more

So far customer service is terrible and I just stated with them. I have creditor calling threatening Me Freedom debt has done nothing to help me. and there saying first they Verizon credit. Then Iask I if they can deal with my capital one. For next card they settle The lady I talk said no. We see how long I stay with them.. read more

I got taken too. Damn it. Certainlly did not help with my situation. Sucks to be ripped off. $9648.00 deposited in my acount and they took $5171.35 in fees so far and I have a balance of $4476.80 for negotiations . I was paying them money and they were not doing a god damn thing. read more

Honesty and integrity are completely foreign concepts to this corrupt company. They are out to rob you of as much of your hard earned money as possible. They destroy your credit, take your money and offer extremely limited "work" in return. Horrendous customer service. Liars in their sales office. And ruthless on their legal team. Terrible business. Stay away. There are much better businesses out there read more

I was very scared at first to trust Freedom debt with paying off my bills. They have slowly been working on paying down my debt by working with my loans and credit cards Companies. Will update this review in a few months since I just signed up with Freedom debt relief mid July 2025. Great customer service when you enroll but trying to get through to customer support has been a challenge. Thank you read more

Too expensive for something you can do yourself. The process was simple, but not worth it. I was able to negotiate a bill and saved $2,500 in fees. I originally had like five accounts with them once I saw how much fees they took I canceled four of the accounts kept the one that they already have negotiated and that's it. I'm done after seven months account paid and I don't have to pay them the fees for the other accounts. I already negotiated the others on my own and saved myself probably around 10 grand in fees. read more

Terrible. My credit had been destroyed as a result of my relationship with FDR. My first settlement was with Synchronicity Bank (SYNC) for a Venmo credit card. for about $738 and 3 payments of $246 and change. FDR took the money from me but only made one payment to SYNC. This was in March of 2024 and I was informed by FDR that the account had been settled in full. Now, 20 months later SYNC is reporting to the credit bureaus that my account was charged off with a balance of over $1800. Numerous calls to FDR have not resulted in any resolution. If you want to pay huge fees and have your credit absolutely demolished the by all means trust FDR. This company is beyond terrible. read more

These people need to stop calling my phone. It's absolutely ridiculous how many calls I've received yesterday 04/22 to this morning 04/23 and it's not even 11:30 am. I appreciate what was offered but I started a plan with another company. Representatives shouldn't be allowed to call customers over and over and over THE FUCK AGAIN!!!! I'm very irritated because I'm working and my phone will not stop ringing. I finally answered a call to politely ask to be removed from the call list as I already signed up with National Debt relief ((by the way, NDR called me once and left a VM and awaited my return. Much better and more respectful)) and the representative laughed and said "oh you're so angry," and hangs up. So you guys only exude customer service etiquette to people who sign up for debt relief ? It's ridiculous that I was MOCKED and then hung up on. I don't care how many people this company has helped. You don't get to call people over and over and over and over and over again and THEN make us feel bad for our complaints and or concerns. stop calling my phone or I will be sure so write 1 star reviews every fucking day. read more

Things are going great except for my accounts being put into collections. If only the company can contact my creditors a little quicker this problem won't happen read more

Freedom debt relief is a good place to go to help with your cards. They been friendly when I talk to them

My debts have been greatly reduced and the ease of payments is very good. In a timely manner and without having to contact our creditors.

Very early in the game as I just signed up a month ago, but my agent is wonderful! Also spoke to freedom debt relief directly and everyone seems to be on the same page, so far so good. Will check in periodically. D.M. read more

I began my account with Freedom Debt Relief in early February and they did not a single thing in four months. Not a single call was made to a single creditor. They respond immediately to any email, except the one where you request to cancel your account... We had agreed on two payment dates per month. After two months, they unitarily changed my payment plan to every other week... Then, told me my plan would take longer to complete if I stuck to what we initially agreed upon... I, finally just emailed them to cancel my account. I had initially sent my cancelation request using the wrong email, which they promptly answered explaining I needed to use the correct email... I resent my cancelation request immediately, using the correct email. At which point they ignored my email and withdrew my scheduled payment after I submitted the cancelation request... Furthermore, due to their lack of action, my credit score dropped from 635 to 464 in three months... Their lack of any sort of initiative has cost me dearly... read more

The people are so helpful. You are treated with respect and they are all your cheerleaders they really want to help you. Signing up was easy. The payments are very manageable. It's the best thing we could have done. read more

Great way to help you repair your debt and get your credit score up my experience with them has been going great thus far

I originally set up a plan with Benjamin Gardner on August 14, 2024. My debt was $17,644 and the estimated total cost of the program was to be $12,373, which included the FDR settlement fees. The FDR estimated settlement fees were $4,581. As of August 18, 2025 I have paid in $12,505. I called FDR and spoke to Nicole who advised me I would have to make 5 more payments of $1,051 until my debt was settled because there were additional settlement fees of $4,326. Tthis meant I would pay $17,780 to settle a debt of $17,644. Is FDR just another scam operation? I'm making a complaint to the BBB! read more

This company is a scam. They tell you all this positive uplifting stuff to make think it's the right thing to do. I got sewed and the lawyer that represents them basically got me the worst deal ever!!! I had to pay 20,000 up front or 1000 additional dollars. When I closed out my program to get out as advised by 2 attorneys I talked to they suspiciously took all my money from a dedicated account they had set up for me. They were fees. When I spoke to a representative about this she already knew what I was going to say, like it was rehearsed. To be clear she was an American I had a lot of trouble understanding. Not sure why companies have people that aren't well spoken. Anyway, do not under any circumstances use their service!!! read more

This company has horrible horrible customer service and when the going gets tough they do not take care of things. Yes they do help pay off one's debt Yes they accomplish that mission but when there are any complications they are not helpful and really do an awful job! It is so difficult to get anyone on the phone who really have expertise and knowledge. They are like bots reading from a script. It is impossible to get a supervisor. They are always "in a meeting". I can not, in good faith, recommend this company! read more

I was on this program for about 3 years. They helped me when I was down and out. I would definitely recommend

The one positive I will say about the program is that they make it easy to add or remove accounts to your dedicated account. Now for the reason I gave them only 2 stars: My total enrolled debt - $46,651.00 The total amount that I will have deposited at program graduation - $42,018.57 This equates to a debt savings equal to $4,632.43 (less than 10%). I recommend you discuss with them the fee % that they are going to take before joining the program. read more

Was told everything i needed to know. All of my questions wre answered in a quick and professional manner

This is the worst experience and the worst decision I've ever made, you ruin your credit and they send you to collection, so if you read this comment better take another option, also the staff they have are not prepared to attend to you one says something and someone else tells you something else, if you can record the calls and when they tell you otherwise demand them, and better your talk to the banks and negotiate is the best option, I would never repeat this again. . read more

Absolutely a scam. Very pushy and honestly the price they quote is the same amount as the bills in the first place.

Avoid Freedom Debt Relief. I just completed this program, and it was the worst experience of my life. They are an unnecessary middleman--completely unnecessary. You could end up losing more money with this program than if you simply handled your debts on your own. Instead of paying them, you can stop payments and negotiate directly with your creditors--many will reach out to you anyway. Freedom Debt Relief charges thousands of dollars for each settlement they manage, plus a $10+ fee every time you make a payment to your dedicated account. It's just not worth it. read more

I don't know what I would have done without Freedom Debt Relief,they told me what I needed to know, and needed to do.I followed there lead, listen to them.and Deposit my payments every month.I will tell everyone I know about freedom Debt Relief.Tthank you so much. read more

I went to freedom debt relief because as an older person I knew even though I was paying the minimum amount because the interest amount was so high I would die before it went down at all. They have settled my debts but I'm currently paying a large amount to pay their fee. I wish I had looked at other places to se if I could have gotten a better percentage rate on their fees read more

I would never go with freedom. Debt relief or achieve high rate Ran the interest up before they paid so I owed more. Set me to sister company achieve at rate of 26.9. Freedom said I'd be paid off in 4 years.Achieve says I go to twenty thirty now read more

My Mother in Law had a lot of credit card debt. So she reached out to Freedom debt relief and signed up. She ended up getting sued from the credit card company and freedom said "well it happens". They were no help at all. Then she tried to cancel and freedom told her she still owes them a negotiation fee and when looked over the paperwork she has been pay each month for almost 2 years on just there fees and not to the actual debt. So we dont recommend this and it would be better to just cut up your card and pay it yourself. read more

They are liars and scammers. This is my first-ever review, and I must explain how horrible this company is. If I could give them a zero-star rating, I would. I have been dealing with Freedom Debt Relief for over a year now. They talk it up like they will lower your debt, but there are hidden fees. Each month, you pay them a fee, and whenever they help you settle a debt, you pay another fee. They said the deposit amount doesn't matter as long as you make the deposits on time, which is a lie. I was just sued for my debt because it took them over a year to try and settle it and now have to pay it in full, plus extra for all the late fees. They also claimed the debts would be settled in six months, but that never happened. WARNING: They make sure you can pay their fees before they even start negotiations to settle your account. If I could go back, I would NEVER have worked with them and would have just paid off my debt slowly. read more

This was a blessing to have medical bills arranged to pay off. The associates and representatives were always very helpful. The only snag was COVID 19. The contact and arrangements with the medical facilities became harder and "overtimely" to negotiate with. Once that hurdle was jumped, payments went back to normal. Thank you FDR for your endurance and services to help wipe these debts clean. I will recommend you to others, as I already have. A breath of fresh air just blew my way. Blessings! read more

the program did what was set out to do. my only issue is I wish it would have been explained that the money that is written off from the debts has to be turned in on your income tax. I ended up having to pay over $10,000 for federal and state tax. read more

be very careful with this company. You have to let your debts go way past due which then ruins your credit then they will negotiate for about 50-60% of what your debt is and then charge you an additional 28% they do save you money, but you might as well file for bankruptcy because of how bad they're gonna ruin your credit. You will pay their fee fees before they pay off anything else so if you have a $2000. In your monthly payment is 500 bucks the first $570 or so we'll go to them and they will make like 15 a month payments. I wish I had never went through them and just worked on paying these myself. I started with 12 and ended up only doing 5 because I can do better myself. Just be very careful people they say they take care of veterans but they do nothing extra to take care of veterans than what they offer somebody that didn't serve read more

this person is really good. most are but this one is the best, i need alot of help to get out of this mess. thanks for the help and esoecially the high levelshown and i am grateful. god bless. i am anxious to get going on city bank and hope and pray i will have the funds soon to start it and you will move this along quickly too by contacting them that we are doing that soon. especially read more

Good. They seem to be honest folks! It took them 6 months to resolve one of my accounts and the account was under $200.