Freedom Debt Relief Review StaffAug. 25, 2019

In a Nutshell

Freedom Debt Relief offers a wealth of experience and assistance, with a strong name in customer support and care. It offers no hidden fees and will negotiate settlements that work for you.


  • Have your debt resolved in as little as 24 to 48 months
  • Get free access to financial education resources and tools
  • Save hundreds or even thousands on your debt


  • Work exclusively with unsecured debt
  • Debt settlement typically has a negative impact on credit score

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Why Go With Freedom Debt Relief

FDR has been providing debt settlement services for over a decade, enrolling over 750,000 customers and settling over $10 billion in unsecured debt. It offers several tools and services that make it a great option when you’re looking to start climbing out of debt. For one, the company’s negotiating position and experience gives them more leverage with creditors and collection agencies when it comes to restructuring debt.

You can always know exactly where you stand with your settlements, as the company offers an online dashboard that lets you track your progress. If you’re in desperate need of financial assistance with debt, Freedom Debt Relief might be a great choice for you.

What Freedom Debt Relief Offers

  • Debt settlement services
  • Deal with credit card debt, medical bills, some private student loans, and collections
  • Free consultations for your debt situation, and no upfront fees
  • Build a strong financial base with a Dedicated Account before negotiating a settlement
  • 7-days-a-week customer support
  • Online dashboard to track your dedicated account and settlement progress
  • One single deposit program to make your settlement easier and more efficient

More Reasons to Choose Freedom Debt Relief

One of the most impressive traits is FDR’s commitment to its customers. In an industry that many times overlooks its stakeholders and services in an effort to secure bigger profits, the company places a strong emphasis on customer support, information, and accreditations. This approach displays the serious focus on providing an outstanding service that will help consumers get back on their feet and stay motivated after completing its debt relief programs.

Additionally, the company does not charge any hidden or upfront fees, and will only collect a fee once you have completed your debt settlement process—a 22% fee (average) from the savings left from your settlement. The settlement programs are relatively short, lasting between 24 and 48 months on average. Overall, the customer-first approach from Freedom Debt Relief helps customers feel secure.

Although Freedom Debt Relief focuses exclusively on one area of debt relief, it is still an excellent alternative in some cases. The company’s efforts are directed at debt settlement negotiation, and they have a proven record of successfully reducing customers’ outstanding debts. The free consultations are also a way for them to help you find the best debt relief solution for your specific case. If you determine that the best way for you to reduce your debt is to consolidate your loans, FDR can connect you to their partners that offer consolidation services.

What's Unique About Freedom Debt Relief?

The most unique characteristic about FDR is that its approach is customer-centric. This means that at every step of the way, the company puts great care and effort into making its work with you feel like a collaborative effort. Instead of demanding to automatically withdraw funds from your account every month to pay for a settlement that might not be feasible or in your best interests, FDR takes several steps to ensure the highest chance of success when working to resolve your debt problems. To do this, the company takes all customers through several steps:

  1. Free debt evaluation: includes a conversation with one of its own Certified Debt Consultants, an explanation of the full range of debt relief strategies at your disposal while determining if FDR’s services are the best fit for your specific situation.
  2. Tailor-made debt relief plan: including minimum payments and monthly deposits.
  3. Open a dedicated account: deposit a monthly sum to create a fund to start paying your debts.
  4. Debt settlement negotiation: once your fund is large enough, FDR will start negotiations with your creditors. No settlement negotiation is finalized without your consent.
  5. Start paying: Your creditors will report that your debts have been settled as you pay the negotiated amount.

This level of involvement is not always present in the industry, and Freedom Debt Relief places a high priority on a fully collaborative solution to your problems.

The company puts a strong premium on ensuring your settlement plan does not drag on forever. The company on average helps customers complete their programs within 24 to 48 months, one of the fastest rates in the industry.

It is also worth noting that Freedom Debt Relief is a founding member of the American Fair Credit Council, which proposes legislations and regulations that are designed to create more transparency and a more open market for consumers seeking debt relief.

Finally, its transparency is a major plus. The company will not collect any payment from you until your debts start being settled, which means that you can rest assured it is not just working for a paycheck. It doesn't charge any upfront fees, and the consultations can sometimes end with consultants recommending you a path that differs from debt settlement.

Overall, Freedom Debt Relief places so much value on its customers. The company does a great job of outlining their process and all of your alternatives, and we can really appreciate the inclusive approach to debt relief.

Types of Debt Covered

While customers might have several types of debt accumulated, Freedom Debt Relief focuses specifically on those loans that are unsecured. We would have liked to see the company offer services that help with secured debt and even tax debt, but the range of loans and debt types they will help you resolve is still ample. The company provides debt settlement help for medical bills, some privately funded student loans, personal loans, and credit card debt.

Security of the Site

Freedom Debt Relief’s website is very secure. The company does not ask you for any sensitive personal information, and won’t request any financial information until you talk with a representative for a one-on-one consultation. Even after you start working with FDR, you create a dedicated account that will remain in your name and funds will only be debited once a settlement with creditors has been reached. FDR does not ask for any invasive access, and lets you retain your autonomy even during the negotiation process. If at any time you are unhappy with your consultation, you can walk away with no obligations.

Help & Support

We were impressed with Freedom Debt Relief’s level of customer support, which is available 7 days a week. The company can be reached via telephone during regular business hours (eastern standard time), and they are always available via email, where we found representatives respond promptly and efficiently. Over the phone, Freedom Debt Relief offers support to clients and prospective customers alike, and their service is courteous and helpful as well as professional.

Review in Short

Freedom Debt Relief is all about helping you through the process of exiting from burdensome debt. The company works with customers who have unmanageable levels of debt and are looking for a way to make it easier to deal with. The collaborative process and creation of a plan that is tailor-made to your needs, as well as a solution that you approve of is testament to its commitment. Though FDR does not directly offer other debt relief strategies—such as consolidation or bankruptcy—Freedom Debt Relief can help you determine if those are the best options during the free consultations.

Its services are always aimed at giving you the most information possible and helping you make the best decision relative to your needs, even if that means working with another company. The level of customer service and the success rate the company has are impressive, including helping customers achieve debt relief in 24 to 48 months on average.

Here's a testimonial of what one customers thinks about Freedom Debt Relief:

About Freedom Debt Relief

Freedom Debt Relief was founded by Stanford Business School Graduates Brad Stroh and Andrew Housser in 2002. The founders noticed that many people were struggling with debt without an alternative that made them a priority. Since its founding, the company has provided its services to hundreds of thousands of people, and has settled over $10 billion in consumer debt.. Today, Freedom Debt Relief employs more than 2,000 debt professionals and works with customers across the United States.

The company has been featured in major US publications such as the Wall Street Journal, USA Today, the Christian Science Monitor, and is accredited by the American Fair Credit Council and the Better Business Bureau.

Freedom Debt Relief Freedom Debt Relief Visit Site


PO Box 2330

Phoenix, AZ 85002-2330

Contact Details

Phone for Clients: 800-544-7211

Phone for Non-Clients: 800-655-6303 StaffJun. 18, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the debt consolidation service for your needs.
Freedom Debt Relief