Freedom Debt Relief

Overall Rating


out of 10

Freedom Debt Relief

PO Box 2330 Phoenix, AZ 85002-2330
  • 16 Years in Business
  • Refund Policy
  • Financing Available


The Good

Largest Debt Negotiator in the U.S.
As the largest debt negotiator in the U.S., Freedom Debt Relief has incredible influence over creditors to negotiate a satisfactory settlement for customers. To date, Freedom Debt Relief says it has settled more than $7 billion in unsecured debt since 2002.

The company has helped more than 450,000 people negotiate settlements with their creditors, save thousands of dollars, and pay off their debt more quickly than they would otherwise be able to.

Online Client Dashboard Keeps You In The Loop
As a tech-savvy agency, Freedom Debt Relief provides a user-friendly client dashboard that keeps you up to date on your progress. You can see how much money you have in your debt settlement account and receive notifications when a settlement is in process.
You can check when an account has been settled so you can track your progress on your path to financial freedom.

Serves a Majority of States
The Freedom Debt Relief team is licensed to operate in more than 30 states, giving many consumers across the country access to a way out of debt.


  • Largest debt negotiator in the U.S.
  • Online client dashboard keeps you in the loop
  • Serves a majority of states
  • Free consultation
  • No upfront fees
  • Reduce debt by 15 to 35 percent or more
  • Informative savings calculator provides an upfront estimate
  • Make one monthly payment
  • Debt settlement can start quickly
  • Settles a variety of debts
  • Gives back to local communities

Free Consultation
There is never a fee to talk to a licensed debt specialist at Freedom Debt Relief. If the company’s debt experts determine that debt settlement may not be a good fit for your situation, they can recommend other alternatives and provide financial counseling to assist you.

No Upfront Fees
You don’t pay a dime to Freedom Debt Relief until they successfully settle your first debt. The fees, paid at the time of settlement, equal a percentage of the overall debt.

Reduce Debt by 15 to 35 Percent or More

Freedom Debt Relief estimates that it can save most customers an average of 15 to 35 percent of the total debt owed. But the website also shows occasions where Freedom Debt Relief saved customers 50 to 60 percent of their unsecured debt, resulting in tens of thousands of dollars in overall savings.

Informative Savings Calculator Provides An Online Estimate Before You Start
An online savings calculator factors in your home state and the amount of debt you owe to estimate your monthly payment, the length of time it will take you to get out of debt, and your total cost savings through the debt settlement program.

Make One Monthly Payment
Freedom Debt Relief is a debt settlement agency, which requires a monthly payment, or monthly program deposit. You deposit these funds into an FDIC-secured settlement account.

Freedom Debt Relief then has Power of Attorney to negotiate a debt settlement with your creditors. One by one, the company negotiates with creditors to pay off your debt at a percentage of what you owe.

The monthly program deposit often equals less than the minimum monthly payments on your credit cards. And instead of seeing your debt rise or stay the same, your credit card balances will begin to drop until you can envision a life that is free from credit card and other unsecured debt.

Settlements May Begin In As Little As Two To Six Months

Depending on the balances of your outstanding accounts and the amount of your monthly program deposit, Freedom Debt Relief experts may be able to negotiate a settlement in as little as two months.

It takes most customers an average of 24 to 48 months to pay off all their unsecured debt.

Gives Back to Local Charity Groups
Freedom Debt Relief is committed to the communities where its employees live and work. Through employee volunteering and monetary donations, Freedom Debt Relief gives back to many charitable organizations in Arizona and California.

Accredited by Esteemed Organizations
Freedom Debt Relief has been an A+ rated member of the Better Business Bureau since 2015. BBB reviews have earned the company an average of 4.78 stars.

The company is also accredited by the American Fair Credit Council (AFCC).

Settles a Variety of Debts
Freedom Debt Relief has a large team of experts who can help you pay off credit card debt, medical bills, and unsecured personal loans at much less than you owe.

The Bottom Line

If you are looking to settle your credit card and other unsecured debt and want to go with a well-known name in the industry, it’s worth considering Freedom Debt Relief. Since 2002, the company has helped more than 450,000 people save thousands of dollars by negotiating a lump-sum debt settlement with creditors.

About Freedom Debt Relief

Founded in 2002 by Stanford Business School graduates Andrew Housser and Brad Stroh, Freedom Debt Relief remains a leading name in the field of debt settlement. The company stays true to its mission of providing financial solutions, services, and education that enables people to reduce debt, build wealth, and achieve financial freedom.

With offices in San Mateo, California, and Phoenix, Arizona, Freedom Debt Relief employs nearly 2,000 highly trained and certified professionals to service clients across 34 states.


Customer Satisfaction


Freedom Debt Relief received a 4.5-star average rating on the Consumer Affairs website, with 7,303 five-star reviews. It has a 4.79 average rating with Better Business Bureau reviewers.

Concerning, however, is the large number of negative and one-star reviews, which far outnumber negative reviews for the industry-leading organization, National Debt Relief.
Freedom Debt Relief has received 315 complaints through the BBB, although they have all been closed, with 126 complaints marked as resolved to the customer’s satisfaction.

Variety Of Services


Freedom Debt Relief works with consumers who have credit card debt, unsecured personal loans, or unpaid medical bills. They may assist with some types of student loans or will refer customers to another organization for assistance.

You must have $15,000 or more in unsecured debt to begin a debt settlement program with Freedom Debt Relief, which is high compared to some competitors who can help people with as little as $7,500 in unsecured debt.

Experience And Recognition


In business since 2002, Freedom Debt Relief is one of the longest-running debt settlement firms. The company settles an average of 42,417 accounts a month and has saved consumers more than $8 billion in debt.

Freedom Debt Relief has a strong social media presence. It frequently updates its Twitter, LinkedIn, Google+, and YouTube accounts, as well as a blog. Freedom Debt Relief is committed to consumer education.

The company has been featured in publications and on websites such as The Wall Street Journal, USA Today, and The Christian Science Monitor.

Licensing and Accreditations


Freedom Debt Relief maintains an A+ rating with the Better Business Bureau. The company is a founding member of the American Fair Credit Council and works with the organization to promote legislation that would tighten debt relief industry regulations and promote transparency.

Expert Review


If you have more than $15,000 in unsecured debt and are looking for a debt relief firm that provides a free consultation and a debt settlement solution to fit your budget, Freedom Debt Relief is worth a look.

The company has served more than 450,000 customers since its founding in 2002 and remains dedicated to customer service and consumer education. With a solid reputation with the BBB and consumer review sites, you can trust Freedom Debt Relief to negotiate a settlement with your creditors and help you get out of debt fast.

You could save thousands of dollars in interest payments, late fees, and mounting debt when Freedom Debt Relief negotiates a settlement on your behalf. In the meantime, your monthly program deposits are safe in an FDIC-secured account.

Freedom Debt Relief believes in transparency and will always notify you before accepting a settlement. Their intuitive client dashboard lets you track your progress so you can play an active role in mapping your path to financial freedom and appreciate the peace-of-mind you’ll find when you’re there.


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Call Now 844-293-4170

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