Freedom Debt Relief Reviews

Freedom Debt Relief is one of the largest debt negotiators in the United States. Debt settlement is one of the debt relief options people with excessive debt can utilize. If your unsecured debt burden feels overwhelming, you can use Freedom Debt Relief to help you negotiate and settle your debts.

However, before choosing them, it is vital to evaluate some freedom debt relief reviews and determine whether the service is suitable for you. The following is a review of the debt settlement company:

Qualification Requirements

Client onboarding at freedom debt relief is quite selective. You must prove that you are facing genuine financial hardship to get approval. A free consultation by the company will help ascertain if your financial situation is indeed dire.

To qualify for Freedom Debt Relief, you must have a substantial amount of unsecured debt. You must have at least $7,500 of unsecured debt to qualify for Freedom Debt Relief, but some states have higher qualification amounts.

The type of debts Freedom debt relief can help you with include credit card debt which is what most people struggle with due to the high-interest rates. Like other debt relief companies, freedom debt relief will not help you with loans secured by collateral such as car loans or mortgages.

Freedom relief will also help with medical bill debt which is becoming an increasingly prevalent issue. They will negotiate with clinics, hospitals, and specialists for a reduced medical bill.

They will help with private student loans too. Contrarily, they do not assist with federal student loans.

Company Reputation

The debt relief industry is full of scammers and companies that never fulfill their promises. Therefore, it is crucial to evaluate debt relief company reviews to know a company’s reputation.

For certainty, you should check a debt relief company’s reputation at your state’s Attorney General’s office as well as local consumer protection agencies. The Consumer Financial Protection Bureau (CFPB) database will also help ascertain Freedom Debt Relief’s reputation.

The only blemish on freedom debt relief’s reputation is a lawsuit in 2017 filed by the CFPB. They settled the lawsuit in 2019 after paying $20 million in compensation to customers and % million in civil penalties.

Freedom Debt Relief client reviews are largely positive, which is why they have so many customers. Out of 35,000 reviews on Trustpilot, they have managed to garner a 4.6/5 rating, meaning they have a stellar reputation.

Customer Service

Freedom debt relief offers customer service through three avenues: phone, email, and live chat. Their customer service agents are available seven days a week. Visit their website to see their customer service operating hours.

Freedom debt relief customer service is unique among debt relief companies because of their online client dashboard. Customers can access their dashboard at any time, where they can manage their accounts, transfer documents and track the progress of their debt relief.


Freedom debt relief is prohibited from charging upfront fees by law. Instead, they charge fees based on a percentage of the debt you repay.

The fee is usually 15% to 25% of the amount, which is the industry average. A person who settles a $5000 credit card debt for $3000 will pay a fee of between $750 and $1,250.

There is also a one-off fee of $9.95 to set up a special-purpose account. There is a monthly $9.95 fee for account serving charged by the account host.

However, freedom debt relief claims that the fee can vary depending on your financial situation and your state of residence. Many laud the company for publicly stating its fees.

A Debt Relief Company To Consider

Freedom Debt Relief has an A+ rating from the BBB and has lower minimum debt requirements than other services. Customers have positive things to say, and their massive customer base proves their standing among customers.

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