Freedom Debt Relief Reviews 49,162

TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Evaluating 2,938 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their helpfulness, professionalism, and understanding approach, making the process clear and stress-free. Many people highlight the exceptional customer service, noting the team's patience, knowledge, and consistent support throughout their journey. The overall service is often described as efficient and easy to understand, with users appreciating the clear explanations and regular updates provided. However, some customers expressed dissatisfaction with the payment process, noting concerns regarding the clarity of information about funds withdrawn or the impact on their credit reports. A few reviewers also mentioned a lack of frequent updates on debt settlements and issues with certain credit cards not being paid off as expected.

What people talk about most

Staff

Reviewers mention positive feedback about staff. Customers consistently praise the team for being... See more

Customer service

People report positive experiences with customer service. Customers consistently praise the helpfulness,... See more

Service

Reviewers highlight positive aspects of service, noting that the company made stressful situations easy and... See more

Payment

Clients share ambiguous opinions on payment. Many reviewers express frustration, citing hidden charges,... See more

User experience

Customers consistently note positive experiences with user experience. Many reviewers found the enrollment... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I am so happy with Freedom debt relief , I have been a customer who called the company often to say I didn’t think the program would help my situation and after 4 months we got our first settlement... See more

Company replied

Rated 5 out of 5 stars

Well when I joined Freedom Debt Relief. At first I talked with Customer service. Asked them questions. Plus I had seen on TV other Relief programs out there . Then I talked with the most profession... See more

Company replied

Rated 5 out of 5 stars

The agent that is assisting me is awesome. He explained things in easy way to understand. Above all, very patient. He follows up with any concerns I may have by reaching out immediately via email or p... See more

Company replied

Rated 5 out of 5 stars

Freedom Debt Relief is delightful. Their people are extremely helpful by showing to me a way out of debt. They are expert in debt management and expert in customer service. All I need to do is make an... See more

Company replied


Company details

  1. #21 of 32 best companies in Debt Relief Service
  2. #80 of 182 best companies in Alternative Financial Service
  3. #108 of 196 best companies in Financial Consultant
  4. #130 of 251 best companies in 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

49K reviews

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Rated 5 out of 5 stars

Freedom debt relief …

At first i was skeptical and nervous about the program. My concern was the length of time that my debt would be paid off and second, it affects my credit score. I was nervous of the amount I was going to pay monthly to pay off my debt. A year later, I have now paid off my debts. My credit score is improving little by little but it was all worth it. Now my sister is interested in consolidating her debt but with a different company. I’m proud of my success and I hope I don’t get into any more debt. 💸 I am free of my debt

April 27, 2026
Rated 5 out of 5 stars

Experience was great knowing all my…

Experience was great knowing all my debts were in one place also the relief of knowing creditors weren't calling regarding monthly payment. The program is great customer service excellent my only downside is I wish that not all money-saved were taxable

April 24, 2026
Unprompted review
Rated 5 out of 5 stars

The staff is very professional

The staff is very professional. They handled your business very well. The staff is very informative when questions were asked. Explain everything step by step. When contacting customer service they greet with a pleasant voice. Overall they are very professional.

April 3, 2026
Unprompted review
Rated 5 out of 5 stars

I have completed the first part of my life changing experience

I have completed the first part of my program and what a journey. Freedom made that journey very effective and inspiring. Before I knew it I had completed the first half of my program. Freedom is definitely worth the time and learning process and the encouragement along the way for their wonderful representatives.
Once you get a rhythm and the end goal is to be free of debt, don't miss a payment because they are working for you to assist you and get you out of the overwhelming situation that you're in. At least that was the way it was for me.
The program is worth every sacrifice to be debt free. Giving up your credit cards that got you in trouble in the first place. That was me until I decided to get rid of my credit cards and to really work to become debt free. They are a great group of people and you will feel like the Three Musketeers, like I did. "All for one and One for all."

April 30, 2026
Unprompted review
Rated 5 out of 5 stars

I had the pleasure to work with Garron…

I had the pleasure to work with Garron Williams. From the very start of the phone call to the end Garron treated me like I was a good friend. He gave me great advice as if he knew me personally. I originally was going to try to get another loan but after hearing Garron explain things to me that made sense and kind of the way allot of loan companies will prey on people who already have loans out Garron convinced me into going with Freedom Debt Relief instead. He explained that they will go to bat for you if you ever get called to court for not paying your other loans off and instead having Freedom go to bat for you and handle all of the little headaches along they way. I was apprehensive at first but after Garron explained everything in detail I wasn’t worried at all and am finally looking forward to financial freedom after years of going back and forth with other loans off companies!

May 9, 2026
Unprompted review
Rated 5 out of 5 stars

I had an excellent experience with…

I had an excellent experience with Freedom Debt Relief. From the beginning, their team was professional, knowledgeable, and very supportive throughout the entire process. They took the time to clearly explain every step, answered all of my questions, and made what felt like a stressful situation much easier to manage.

What stood out most was their transparency and consistent communication. I always felt informed and confident that I was in good hands. Their customer service was responsive, respectful, and genuinely focused on helping me find the best solution for my financial situation.

I highly recommend Freedom Debt Relief to anyone looking for a trustworthy company to help regain financial stability.

April 29, 2026
Rated 5 out of 5 stars

Great program

Great program. Let you know where you are and what they can do. Good program

November 11, 2025
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Karen,
We're happy to hear that our program is helpful and informative. We appreciate your positive feedback and are glad you find it valuable.

Rated 5 out of 5 stars

Freedom Debt Relief Saved Me

From start to finish everything was laid out for me. Any questions or concerns were answered in simple, plain terms. The customer service is/ was outstanding. What a blessing to have Freedom Debt Relief helping to get me back on solid ground!!!

April 28, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Ted,
We're happy to hear that everything was clearly explained and that our customer service met your needs. It's great to know we could help you get back on solid ground!

Rated 5 out of 5 stars

They have out performed all…

They have out performed all expectations.

February 27, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hello,
We are so happy to hear that we exceeded what you expected, thank you for your feedback!

Rated 5 out of 5 stars

I am offered everything I was promised

I am offered everything I was promised. This is truly debt relief.

May 8, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Sharlene,
We're happy to hear that we delivered on our promises and provided true debt relief for you. Thank you for your positive feedback!

Rated 4 out of 5 stars

Excellent service to Financial Saviorhelp individuals…

Excellent service to help individuals who are in serious financial trouble. Your credit score suffers a little but will rebound. Highly recommend the program.

November 11, 2025
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Ernest,
We appreciate you recommending our program to those facing serious financial challenges. We're happy to hear that we could assist you, and we acknowledge the temporary credit score impact.

Rated 5 out of 5 stars

Freedom Debt Relief has paid my Macy…

Freedom Debt Relief has paid my Macy account iff I’m on my way! I just be glad when it’s over with! Times are hard now and I’m scrambling to buy food and transportation that’s just not there! Thank you FDR!!!!

May 12, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Donna,
We're happy to hear that your account has been resolved! We recognize that these are challenging times, and we appreciate you sharing your experience with us.

Rated 3 out of 5 stars

The charge of resolving the debt was…

The charge of resolving the debt was not disclosed upfront. The fubds were taken out immediately after the settlement was agreed to. And the fee was quite substantially!

February 8, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Hawanatu,
We understand that seeing a large fee processed can seem like a surprise. Our fees and the timing of their collection are disclosed in the agreement signed at the start of the program.
To ensure we are delivering results first, we only collect a fee after a settlement is negotiated, you authorize the offer, and the first payment to your creditor has successfully cleared. We want you to feel confident in your progress, so please reach out to Client Services if you'd like to review your specific agreement details together.

Rated 5 out of 5 stars

FDR over everyone.

3 years and I'm debt free!

November 11, 2025
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Brian,
We're happy to hear about your debt-free journey! Thank you for sharing your wonderful success with our services.

Rated 1 out of 5 stars

Extremely unhappy with the service

It’s a joke. I’ve been desperately trying to speak to a person I constantly get hung up on like this BS is a scam. I need to get on the phone with someone immediately that isn’t going to hang up on me everytime. I need a response. I need to speak to someone competent. ASAP. 315 406 6677

November 7, 2025
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Bryan,
We sincerely apologize for the difficulty you've had reaching us. We want to ensure your concerns are addressed immediately, so an account specialist will be contacting you shortly. For your security, we strongly advise against sharing personal information on public platforms. Please keep your details private for your protection.

Rated 5 out of 5 stars

I absolute love FDR

I absolute love FDR! This program was great a much needed for my family and I. We lost one of our children and both got hurt and went on disability. This program has helped us build budget, savings , and squash the high interest debt. Very affordable month payment. We have even boost our payment to help speed up the process. Thank you FDR!!!

May 12, 2026
Unprompted review
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Kristopher,
We are so glad to hear that our program has been a valuable resource for your family during a difficult time. It's wonderful that we could assist you in building a budget, saving money, and reducing high-interest debt. Thank you for your positive feedback!

Rated 5 out of 5 stars

My experience was a good one because I…

My experience was a good one because I was not aware of what FDR could do for me.

April 23, 2026
Freedom Debt Relief logo

Reply from Freedom Debt Relief

Hi Alex,
We're happy to hear that you had a good experience and that we could help you discover what we offer. Thank you for your feedback!

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