4.5/5
Service Evaluation
Introduction
If you’re carrying high-interest credit card balances or dealing with aggressive collection calls, working with a reputable debt settlement company can help you regain control of your finances. Freedom Debt Relief is one of the largest and most established debt settlement companies in the United States. Known for its size, experience, and national reach, it has served hundreds of thousands of clients over the past two decades. This review takes an in-depth look at how the company works, how much it costs, what customers say, and whether Freedom Debt Relief is legitimate. We analyzed verified information from the official website, the Better Business Bureau profile, and FTC consumer protection guidelines to provide a clear, unbiased overview.How Freedom Debt Relief Works
Freedom Debt Relief offers debt settlement programs designed to help clients reduce their unsecured debts and simplify payments into one monthly amount. The company acts as an intermediary between consumers and creditors, aiming to negotiate lower payoffs.Initial Consultation
The process starts with a free consultation (866) 598-9330, during which a representative reviews your unsecured debts, income, and monthly budget. They explain how the settlement program works and check eligibility. Once enrolled, you can manage your account through the Freedom Debt Relief login portal. For questions or support, the company can be reached at (866) 598-9330, the official Freedom Debt Relief phone number.Case Evaluation
If you qualify, the company provides a customized program proposal. This includes an estimated monthly payment, a projected timeline, and a clear explanation of potential risks such as temporary credit score impact or possible collection activity during negotiations. Clients will also receive written disclosures before signing. Clients receive a service agreement outlining fees, obligations, and process details, plus a separate settlement agreement for each creditor to approve before payments are made. These contracts explain program terms, legal rights, and fee structure.Program Selection
Once you enroll, you make a single monthly payment into a dedicated account. The company’s negotiators approach creditors to secure settlements for less than the total amount owed. Unlike debt consolidation loans, you do not borrow new money, you build up funds to settle existing debts.Execution
Negotiators work directly with creditors to obtain written settlement agreements. After both sides agree, the funds from your dedicated account are used to pay the settled amount. All progress can be tracked through the Freedom Debt Relief login platform, giving you clear visibility of your timeline and balances.Ongoing Support
Freedom Debt Relief maintains regular communication with clients, providing updates, documentation, and settlement confirmations. Clients can contact support at any time using the official Freedom Debt Relief contact information or phone number (866) 598-9330.Who It’s Best For
Best for consumers with large unsecured debts who are looking for a structured, hands-on program to reduce what they owe, and who are prepared for credit score impact and a repayment timeline of several months to years.Stand Out Features
Long-Established Company Freedom Debt Relief is one of the largest and oldest debt settlement companies in the U.S., with a long history of working with major creditors. Single Monthly Payment Clients make one structured payment, which funds settlements and simplifies the repayment process compared to paying multiple creditors individually. Strong BBB Presence The company is BBB accredited with an A+ rating and has thousands of reviews on its BBB profile, giving it strong third-party visibility. Transparent Communication Freedom Debt Relief lists its phone number (866) 598-9330 and offers multiple contact options, ensuring easy access to information and support. Easy Online Access Through the Freedom Debt Relief login portal, clients can track settlements, upload documents, and view their progress at any time.Pros and Cons
Pros
- One monthly payment instead of multiple creditor bills.
- One of the largest and longest-standing companies in the industry.
- BBB accreditation with A+ rating.
- Strong communication channels and transparent contact information.
- Easy-to-use online portal for progress tracking.
Cons
- Debt settlement can negatively impact credit scores in the short term.
- Program requires commitment to regular payments over time.
- Not all creditors may agree to settle.
- Fees apply after settlements are reached.
Is Freedom Debt Relief Legit?
Yes. Freedom Debt Relief is a legitimate company with a long track record in the industry, an A+ BBB rating, and compliance with FTC Telemarketing Sales Rule regulations. These rules prohibit upfront fees for debt relief programs sold by phone and require clear disclosures. The company has resolved billions of dollars in unsecured debt for clients over the years. Its large scale and regulatory compliance make it a visible and established name in the U.S. debt settlement market.Common Questions (People Also Ask)
What is Freedom Debt Relief? It’s a U.S.-based debt settlement company that negotiates with creditors to reduce unsecured debts and simplify repayment. Is Freedom Debt Relief legitimate? Yes. Freedom Debt Relief is a BBB-accredited company with an A+ rating and a long record of helping consumers settle unsecured debts. It operates under FTC debt relief regulations and has maintained a strong BBB profile for years. How does Freedom Debt Relief work? The company builds a personalized plan, clients make one monthly payment, and negotiators work with creditors to settle debts for less than the total amount owed.Final Verdict
Freedom Debt Relief stands out for its industry experience, large client base, and strong BBB rating, making it one of the most recognizable names in debt settlement. The single monthly payment structure and clear contact options simplify the process for clients who qualify. However, debt settlement involves trade-offs, including potential credit score impacts and the need for long-term payment discipline. It’s essential to review all terms, fees, and timelines carefully and compare with other options such as nonprofit credit counseling or debt consolidation. Overall, Freedom Debt Relief is a legitimate and established choice for consumers seeking structured debt settlement with a high-visibility company.Reviews
Carrie L
Oct 17, 0025
I was skeptical at first but took a deep breath and filled out the questionnaire online. I received the phone call and Georgia walked me through all the steps. 3 months later I got my first ...
I was skeptical at first but took a deep breath and filled out the questionnaire online. I received the phone call and Georgia walked me through all the steps. 3 months later I got my first settlement, let me tell you what a relief I felt. My husband was diagnosed with cancer last year, this year the cancer has metastasized so bills kept piling up. I cant recommend Freedom Debt Relief enough. I need to focus on my husbands health and not worry about credit card debt like I was, Freedom Debt Relief made that possible for me
Anjanette B
Oct 15, 2025
This was new to me I was very afraid but my debt was getting too much for me to handle. I called a few places but Freedom broke it down and actually took the time and was very patient with e...
This was new to me I was very afraid but my debt was getting too much for me to handle. I called a few places but Freedom broke it down and actually took the time and was very patient with explaining it all. I took a day or two to make a decision and I am happy I chose to go through with it. It takes a minute but Im not stressed or worried about payments.
Lisa C
Oct 9, 2025
I had some credit card **** to me it was scarey to FDR no problem.They have done everything thing they said they would ***** credit score has went down.They said it will come back up.But als...
I had some credit card **** to me it was scarey to FDR no problem.They have done everything thing they said they would ***** credit score has went down.They said it will come back up.But also a low credit score helps me to not do this again.