Freedom Debt Relief Reviews 46,668

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the company's service and the positive attitude of the staff. People highlight how the staff guides them through the initial steps, ensuring clarity and prompt clarification when needed. Consumers feel at ease due to the efficient handling of their cases. A significant benefit for reviewers is the reduction of financial stress, with many now managing their debts through a single monthly payment. Consumers express satisfaction with the staff's ability to explain the debt relief program and answer all questions with patience. People also appreciate the honesty and patience shown by the staff, which has led them to pursue a beneficial relationship with the company. However, there are mixed opinions regarding payments, with a low consensus among reviewers.

Based on these reviews

Rated 5 out of 5 stars

I was a little skeptical about starting this process but Khris Devoto put me at ease with his simple and comforting approach and convinced me that FDR was the way for me to move forward in achieving t... See more

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Rated 5 out of 5 stars

I actually tried another debt relief program first. I am much happier with Freedom. They’re making things happen. They are helping me make progress. I feel like I can breathe.

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Rated 5 out of 5 stars

What a relief! My counselor got me through the entire process in less than 20 minutes, and the deal that they propose was so good that I’ll be able to get out of what I thought was a lifelong amount o... See more

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Rated 5 out of 5 stars
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Freedom Debt Relief Team was amazing, friendly, very professional, attentive to my needs. I first spoke with Nayeli Lafarga, who walked me through my debt relief program in details, and what I had to... See more

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Rated 5 out of 5 stars

Initially I was very hesitant to make the call to Freedom, my anxiety was overwhelming. When I finally got my nerve up to call my anxiety went away...Starla was comforting because she heard the ner... See more

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Rated 5 out of 5 stars

After deciding to check out this program, I connected with Leo in Irvine, CA. His professionalism was exceeded by his great manners and knowledge of how I could be helped. Sometimes we have to make di... See more

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Rated 5 out of 5 stars

Cory at Freedom Debt Relief was very helpful and understanding. He explained the entire procedure to me and didn't talk down to me for being in this financial problem. I would say call and talk to t... See more

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Rated 5 out of 5 stars

As a repeat client I have seen this program to the end and am truly amazed how well and smooth it is handled. The staff are amazing. They are well trained to explain, answer questions, are available a... See more

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Rated 5 out of 5 stars

Daniel Nolan was Amazing, he was friendly, very Professional, kind and Attentive to my needs. Daniel walked me through my debt relief program and what I pay monthly. I'm so glad I took another look i... See more

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Rated 5 out of 5 stars

Having FDR are my side makes life so much easier and less stressful. I highly recommend this company of compassionate people to have in your corner.

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Rated 5 out of 5 stars

Freedom Debt Relief is wonderful! I was in their debt relief program several years ago, and successfully completed the program. But after Covid and a bout with cancer, I ended up with significant de... See more

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Rated 5 out of 5 stars

Logan was very professional and empathetic. I felt comfortable talking to him about something so private. I feel relieved that all of this will be over in a few months. Thank you, Logan for making thi... See more

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Rated 5 out of 5 stars

I starting freedom debt relief about three months ago. So far I have no complaints about them they are just wondering helping me to get my debts under control. They always notify you about what's go... See more

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Rated 5 out of 5 stars

After years of being scammed by lawyers trying to settle debts, FDR is the only one that is honest and fair while providing a true solution and sure way to follow their progress. They also provide a... See more

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Rated 5 out of 5 stars

Travis Bissell was amazing from start to finish. He made the process so smooth. Having piles of mounting debt is so frustrating and so burnandsome. He explained everything, very knowledgeable, profes... See more

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Rated 5 out of 5 stars

I am very impressed with the high level of professionalism, communication, and attention to detail that Freedom offers. There are many options out there when considering debt relief, but the way Fre... See more

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Rated 5 out of 5 stars

Great service. Friendly staff. Knowledgeable and compassionate staff. I am totally out of debt and didn’t have to pay the high price of interest back. I didn’t care for my credit score going into the... See more

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Rated 5 out of 5 stars

Initially, I had just gotten my credit score up so I could get a credit card. I let that morph into 15 cards. I was proud as the majority had zero balances, but a few managed to get out of control.... See more

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Rated 5 out of 5 stars

Khris was very helpful in explaining the program and how it works. He very patient in answering my wife’s and my questions. As a result of his honesty and patience, we determined this was a winning re... See more

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Rated 5 out of 5 stars

They were always transparent about each debt as it was resolved. I understood from beginning to the end what was happening.. I even finished 2 mos early.

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Rated 5 out of 5 stars

Terecia was so sweet and she made me feel so much better. I was crying the other day because one of my debtors had gone in my bank account after canceling auto pay. They took money I just didn't have.... See more

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Rated 5 out of 5 stars

Great program to help lift some of my monthly burdens but what stood out was Khris's helpful, and friendly personality. He walked me through all the steps and ensured that I understood start to finish... See more

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Rated 5 out of 5 stars

Travis Bissell was excellent at explaining process of changing companies for this debt consolidation. He made it painless, despite new program on his computer. Very nice man. Knowledgeable with wha... See more

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Rated 5 out of 5 stars

FDR has been one of my best financial decisions. I needed the help and they provided just that. From the start, the FDR staff walked me through the initial process and made sure I knew where we were h... See more

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Rated 5 out of 5 stars
Invited

I honestly dont think there's anything they can do better. They settled on my first debt within a couple months and then when my 2nd started a lawsuit they immediately had their legal team jump on it... See more

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Rated 5 out of 5 stars

I have to say at first I wasn’t even looking to do any debt consolidation. I started reading about it, then I called with a few questions, all of a sudden I’m consolidating my debt and am in the good... See more

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Rated 5 out of 5 stars

FDR has been one of my best financial decisions. I needed the help and they provided just that. From the start, the FDR staff walked me through the initial process and made sure I knew where we were... See more

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Rated 5 out of 5 stars

Freedom Debt Relief is a reputable company to help manage your debt. The young lady who helped me (America) was straightforward to talk to, and she explained everything to me in detail. She was profes... See more

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Rated 5 out of 5 stars

They explained everything to me and when I had a question I could interrupt and they would answer the question and then pick up where they left off and continue going. In the end they asked if I had... See more

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Rated 5 out of 5 stars

I had painted myself into a corner & knew I had to get out of it. I figured worse comes to worse I can always say no thanks. But, that wasn't the case. I didn't want to have this debt hanging over my... See more

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Rated 5 out of 5 stars

First of all, a lot of things were explained to me that I did not know they walked me through everything. They had so much patience with me because I thought I was doing it very slowly answered all my... See more

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Rated 5 out of 5 stars

They were very informative at the start of the program and very understanding !! I been making on Time payments a little over a year and it’s working !!! Getting settlements a bit faster then I though... See more

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Rated 5 out of 5 stars

The Company did great negotiating with all of my creditors. And now I am eligible for a total consolidation loan with Achieve. Thank you for all of your hard work. You totally helped me out ofva very... See more

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Rated 5 out of 5 stars

Freedom debit relief has been very good for me getting out of Debt due to financial and health hardship I've recommended them to 3 other folks and as far as I know they've sign up and doing well Ever... See more

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Rated 5 out of 5 stars
Invited

The best thing i've ever done. No more worries with big interest coming from the credit card companies, very helpful and make me feel at ease cos no more debt collectors calling.

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Rated 5 out of 5 stars

I was hesitant to use Freedom Debt Relief. I had a bad experience with one company, and the result was resulting in my credit being damaged. What changed was the information provided, which was true,... See more

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Rated 4 out of 5 stars

I would have given you 5 stars if you could have settled my debt with the creditors in 1 week. Seeing as I have the total amount to secure the debt, it shouldn’t have to take 3 months to settle the de... See more

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Rated 5 out of 5 stars

I had too do something, my bills were getting higher and my bank account is shrinking so when I saw an add I called and went from there to here !

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Rated 5 out of 5 stars

They have very professional, very informative and working very hard on getting settlements completed. I'm very satisfied with them so far.

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Rated 5 out of 5 stars

Everyone was very friendly and positive. Travis took the time to make sure I understood everything. Talked me through several steps, making them very easy.

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Rated 5 out of 5 stars

Like was very helpful and explained how Freedom Debt Relief works We are excited to be debt free and work on our credit score the proper way.Thank you

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Rated 5 out of 5 stars

Easy to be walked throughout the process never felt rushed to move on answering all questions and concerns.

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Rated 5 out of 5 stars

Freedom Debt Relief is the best thing I could have done for myself. I like how they explained to me how everything works.if I had a question, they replied back to me right away. Also everyone has b... See more

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Rated 5 out of 5 stars

Freedom Debt Relief swooped in and saved the day. The process was a little confusing at first but the representative explained it very well.

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Rated 5 out of 5 stars

So far so good. I got myself in deep trouble trying to see how many cards I could get. Boy am I sorry. Thank you freedom helping me get out of debt. My stress was to the roof. I definitely have some f... See more

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Rated 5 out of 5 stars

Angel Nunez was a wonderful person he took his time as if it was his own account and helped me with the anything i was ignorant of and came up with a very reasonable price for me.

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Rated 5 out of 5 stars

They are so helpful and they answer all my questions. I would recommend my friends and family to them if they had the same problems I did.

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Rated 5 out of 5 stars

They make sure that you are aware of the plan or plans are in order and simple to read and understand.

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Rated 5 out of 5 stars

They were the best to work with Totally surprised it took so short of time. I was expecting I would finish in 2026. I can’t thank you enough for my graduation in 2025.

Company replied

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Company details

  1. Debt Relief Service
  2. Alternative Financial Service
  3. Financial Consultant
  4. Non-Bank Financial Service

About Freedom Debt Relief

Written by the company

Freedom Debt Relief is a credit counseling service headquartered in San Mateo, California. Founded in 2002, they offer services to U.S. consumers struggling with unsecured debt, such as credit card bills, personal loans, and medical expenses. It operates as one of the largest and longest-running debt resolution providers in the United States.

Freedom Debt Relief is a trusted financial services provider based in San Mateo. Founded in 2002, Freedom Debt Relief has grown to be the largest debt settlement company in the nation, employing more than 2,000 professionals dedicated to helping consumers overcome debt and regain financial stability. The company operates from its headquarters at 1875 S Grant St Ste 300, San Mateo, CA 94402, within The Crossroads San Mateo business center. Freedom Debt Relief is BBB-accredited with an A+ rating, reflecting its long-standing commitment to ethical business practices and customer satisfaction.

The company’s core services focus on debt negotiation and settlement. Freedom Debt Relief’s primary service is debt settlement, which involves negotiating with creditors to reduce the total amount owed by the client. The process begins with a free consultation to assess the client’s financial situation and determine eligibility for the program. If enrolled, clients deposit funds monthly into an FDIC-insured dedicated account they control. As savings accumulate, Freedom’s negotiators work directly with creditors to secure settlements for less than the full balance. Clients approve each settlement before payments are made, and the process continues until all enrolled debts are resolved.

About Freedom Debt Relief

Written by the company

Freedom Debt Relief Guarantee

Freedom Debt Relief has been resolving debt for customers for over 10 years. We feel so confident about our work that we guarantee that no fees will be charged until after you see results.

Contact info

4.6

Excellent

TrustScore 4.5 out of 5

47K reviews

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Replied to 99% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars

Freedom Debt Relief's Performance

Freedom Debt Relief's performance is very knowledgeable and efficient. They make it easier to deal with difficult circumstances.

October 23, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Joyce,
We're happy to hear that our team's knowledge and efficiency have helped you navigate difficult financial situations. Thank you for sharing your positive experience with us!

Rated 5 out of 5 stars

I really like the way Freedom Debt…handles my accounts so efficiently.

I really like the way Freedom Debt Relief has handled my account. They notify me when they have been able to work with my creditors and established a payment pattern.
They are a great team and I am so glad that I decided to let them handle this and not filing bankruptcy.

October 24, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Charlene,
We're happy to hear that you appreciate how we manage your account, especially the notifications about your payment arrangements. We're so glad we could help you find an alternative to bankruptcy. Thank you for sharing your positive experience!

Rated 5 out of 5 stars

F.D.R. made good on their agreement.

When the credit card companies kept calling over and over and over...every person who answered my call at F.D.R. assured me that everything is OK. Its going to take for my accounts to settle. I have to admit I was skeptical. But after 7 months, the calls stopped. I freaked out more...then a few days later...I got an email from F.D.R. stating that the agreement was made with the credit card company. F.D.R. made good on their promise.

October 1, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Robert,
We appreciate you sharing your experience. We know it was unsettling dealing with those calls, and we're glad our team could reassure you during the process. We're happy to hear that we delivered on our commitment and resolved the matter. Thank you for your feedback.

Rated 5 out of 5 stars

Well I already made the deposits…

Well I already made the deposits required. I’m just waiting on you all to tell me what to do next.

October 4, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Rosie,
Thank you for the update. We acknowledge you've completed the deposits and are waiting for the next steps. We'll promptly provide the information you need to proceed. Please contact our customer service at 1-800-655-6303 for further details on your program status.

Rated 4 out of 5 stars

It has been easy.

October 23, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Coleen,
We're happy to hear that you had an easy experience. We appreciate you taking the time to leave us your feedback.

Rated 5 out of 5 stars

Easy payment plans

Easy payment plans. Debt amount less. Very helpful customer service.

October 20, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Mark,
We're happy to hear that you found our payment plans easy to manage and the customer service helpful. Thank you for your positive feedback!

Rated 5 out of 5 stars

FDR TO THE RESCUE!

The "care" in customer care services was certainly adhered. FDR is literally perfect to me. I'm very pleased that I chose FDR to manage my numerous debts. It gets no better than to have a trusted source on your side.

July 15, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Tiffany,
We're happy to hear that you had such a positive experience with our customer care. We're very pleased that we could be a trusted source in managing your debts. Thank you for your feedback!

Rated 5 out of 5 stars

Freedom Debt relief excellent customer…

Freedom Debt relief excellent customer care and support easy quick support

October 21, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hello,
We're happy to hear that you had a great experience with our customer care and support. We appreciate you taking the time to share your feedback with us!

Rated 4 out of 5 stars

So far the experience with FDR has been…

So far the experience with FDR has been as outlined from the beginning. Since starting in May we have gotten 3 of 16 accounts to agree to cut the debts in about 1/2 and agree to enter payment plans. Unfortunately the down side is FDR nullifies most of the other 1/2 negotiated off in the fees they charge. FDR makes sure to get their fees paid almost right away from funds from your dedicated account you build up with them thru your bi-weekly deposits you make. If the fees weren't so high or they wouldn't take their fees out in such big chunks and split them up over the life of payment plan you enter with each creditor. Then you could enter more agreements more quickly and wouldn't have as many late fees and interest accruing on each delinquent account. Therefore at least saving more money on that end even with FDR's high fees. That said I have no regrets. They are ultimately doing their jobs and they are good at what they do.

October 23, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Dan,
We appreciate your feedback and are glad to hear about your positive experiences with the debt negotiation and payment plans. We acknowledge your concerns regarding our fees and their payment schedule. Your comments are valuable, and we will consider them as we continuously look for ways to improve our services.

Rated 5 out of 5 stars

I like the way

I like the way, Freedom Debt Relief communicates with me and informing me when the negotiation has cleared and when a debt is paid. And they are moving quicker than I thought. I also like the fact that they have been able to really get some of my debt reduced. I would recommend Freedom Debt Relief to anyone who’s having difficulty with their outstanding debt.

October 23, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Petra,
We're happy to hear that you appreciate our communication and the progress we've made in resolving your debt. It's great to know that you're satisfied with the debt reduction we've achieved. Thank you for recommending our services!

Rated 5 out of 5 stars

Very satisfied thank you

Very satisfied thank you

October 23, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Jay,
We are happy to hear that you are satisfied. Thank you for your positive feedback; we appreciate it greatly.

Rated 5 out of 5 stars

He was very professional

He was very professional, I appreciate George for explaining everything to me and made me feel I can do this program.

October 17, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Corlis,
We're happy to hear that you had a positive experience! We appreciate you mentioning how well the program was explained and that you feel confident moving forward.

Rated 1 out of 5 stars

This company tells you NOT to pay your…

This company tells you NOT to pay your bills for 3 months in order to start. I have worked on my rebuilding credit.....not paying my bills ofr 3 months will ruin it and make it difficult to move or get any sort of credit in the near future. Straight up lied when I asked if it would show negatively on my credit. They also want 25% of the total debt paid to them. None of it makes sense. If you can pay your bills, I would not recommend using this service. I was looking for a consolidation loan not a debt relief company. Applied through Symple Lending and they tried to sell me this debt relief program. Don't recoomend

October 15, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Mickie,
We're sorry to hear you weren't given a clear explanation of how the program affects your credit. We would be happy to provide more clarity and an account specialist will reach out to you to gather more information.

Rated 5 out of 5 stars

I am getting peace of mind ,freedom is…

I am getting peace of mind ,freedom is handling my debt in timely fashion and gives me confidence in their ability to, I am so glad I chose FDR to help me,I can sleep at night knowing I am being handled by real professionals

October 15, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Bernard,
We're happy to hear that you are experiencing peace of mind and confidence in our ability to handle your debt. We're so glad you chose us, and we appreciate your positive feedback!

Rated 3 out of 5 stars

Very slow to resolve consolidation

Very slow to resolve consolidation. Never mentioned they use my payment to resolve the debt. Other companies use their money to reach resolution quickly then my money pays them for the time period.

October 22, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Ray,
We're sorry to hear you feel the program takes time. We're happy to provide more clarity and an account specialist will reach out to you to discuss further.

Rated 4 out of 5 stars

Yes they are taking care of my debt but…

Yes they are taking care of my debt but it is really slow. I thought they could just settle for a lump sum and pay it off but no, they have to make small monthly payments that take forever, and that is my only complaint. Otherwise, I am very happy with the service.

October 20, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Shelly,
We appreciate you sharing your experience. We're glad you're happy with our service overall. We acknowledge your concern about the pace of debt repayment and the preference for a lump-sum settlement. We aim to find the most effective strategy for each situation.

Rated 5 out of 5 stars

Service is great.

October 21, 2025
Unprompted review
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Reply from Freedom Debt Relief

Hi Denetta,
We're glad to hear you're satisfied with our services. We appreciate your positive feedback!

Rated 5 out of 5 stars

Easy to work with...

“Friendly, focused, and easy to work with. Debt can be an embarrassing thing to ask for help with, but FDR never made me feel judged. They focused on solutions, not mistakes, and that made all the difference. The process was easier than I expected—and I’m so glad I reached out.”

October 21, 2025
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hello,
We're happy to hear that you found our team friendly and easy to work with. We appreciate you sharing how comfortable you felt discussing your debt with us. It's great to know we could focus on solutions and make the process easier than expected for you.

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