Freedom Debt Relief Review

Ideal For

  • People looking for relief from credit card debt
  • Those with extreme debt problems such as bankruptcy
  • Individuals with unsecured debt


  • Have your debt resolved in as little as 24 to 48 months
  • Settle debt amounting to over $100,000+
  • Connect directly to your bank account to get accurate quotes


  • Work exclusively with unsecured debt
  • No significant consumer education resources on site

Bottom Line

Freedom Debt Relief is an excellent service if you are facing a debt crisis and are struggling to find relief without assistance.

Why Go With Freedom Debt Relief

Freedom has been providing debt settlement services for over a decade, helping over 530,000 customers resolve over $8.5 billion in unsecured debt. The company 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, 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 things we’re most impressed with is Freedom’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 21% 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, Freedom can connect you to their partners that offer consolidation services.

What's Unique About Freedom Debt Relief

The most unique characteristic about Freedom 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, Freedom 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 Freedom’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,Freedom 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 places a high priority on a fully collaborative solution to your problems.

Another thing we were excited to see is the fact that 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 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, Freedom’s 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 consultations can sometimes end with consultants recommending you a path that differs from debt settlement.

Overall, we were amazed that Freedom Debt Relief places so much value on its customers. Although more educational resources on the site would be helpful, 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, 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 sit with a representative for a one-on-one consultation. Even after you start working with them, 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. Freedom 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

One of the areas where Freedom could improve its efforts is in providing a strong educational base for its customers. While we were pleased with the company’s straightforwardness and a very useful FAQ section for general questions, we would have liked to see more. The company features a good overview of debt relief strategies, as well as a blog, but we would have appreciated a more dedicated knowledge base designed to help consumers avoid common debt pitfalls.

However, we were impressed with Freedom’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 e-mail, 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 it does not directly offer other debt relief strategies—such as consolidation or bankruptcy—it can help you determine if those are the best options during their free consultations.

The company does offer some educational resources, but could stand to improve their knowledge base to a degree. That said, 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 is impressive and includes helping customers achieve debt relief in 24 to 48 months on average.

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 offered its services to thousands of people, and have helped resolve debts for over 530,000 customers. Today, Freedom employs more than 2,000 certified debt specialists and works with customers across the United States. Since inception, Freedom has helped resolve approximately $8.5 billion in debt.

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.


4940 South Wendler Drive, Suite 210

Tempe, AZ 85282

Contact Details

Phone for Clients: 800-544-7211

Phone for Non-Clients: 800-655-6303

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