Freedom Debt Relief is an accredited organization debt settlement company based in Arizona that offers consumers a way to eliminate their debt by reducing what they owe. The company has served over 800,000 consumers and resolved more than $15 billion in debt since 2002. Debt settlement is not an ideal solution to eliminating debt, but it can be a last resort for those who have exhausted the alternatives and want to avoid bankruptcy.

  • Could help pay off unsecured credit card debt, medical bills, unsecured personal loans and more
  • In some cases, credit card debt can be settled for 50% of what you owe or even less
  • Could help you pay off your debt in two to four years

  • Charges fees typically representing between 15% and 25% of debt, with an average fee of 21.5%
  • Only unsecured debt is eligible for debt settlement
  • Debt settlement usually lowers your credit score


Freedom Debt Relief helps clients settle their unsecured debts, including:

  • Credit card debt
  • Medical bills
  • Department store card debt
  • Unsecured personal loan

The company can provide debt settlement relief for private student loans and certain business debts. It does not help secured debts, such as car loans or mortgages, or federal student loans.


You can call a Freedom Debt Relief debt consultant to inquire about the program or complete an online form to see if you are eligible for debt settlement with the company. Once you start working with Freedom Debt Relief, you’ll make monthly deposits into a dedicated account, with those savings going toward paying settlements. Freedom Debt Relief will negotiate with creditors and you will need to approve any agreement.


Freedom Debt Relief typically charges a fee ranging from 15% to 25% of the program’s total debt, with an average fee of 21.5%. Your fees depend on the amount of debt and your state of residence, and you will only pay the fees after Freedom Debt Relief has negotiated your debt. Some customers will be able to settle their debts within two to four years.


You may be eligible for debt settlement with Freedom Debt Relief if you have at least $7,500 in unsecured debt, though the company notes that customers typically have at least $10,000 in unsecured debt. Consumers also usually have to be behind on their payments to settle with a creditor. Freedom Debt Relief often works with people facing financial difficulties that prevent them from making minimum monthly payments on their debts.


Clients with below average credit can work with Freedom Debt Relief. Debt settlement programs can negatively impact your credit, and settled accounts can stay on your credit report for up to seven years.


Freedom Debt Relief has licenses in 22 states.

Freedom Debt Relief has an A- rating with the Better Business Bureau. Freedom Debt Relief is accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators.

The Consumer Financial Protection Bureau received 81 complaints in 2021 regarding Freedom Debt Relief. The main complaints concerned debt collection and its credit repair services. The company responded in a timely manner to all but one complaint; 75 were closed with a response, three were closed with monetary relief and three were closed with non-monetary relief.

In July 2019, Freedom Debt Relief reached a settlement with the CFPB and paid $20 million in restitution plus a $5 million fine in a lawsuit alleging it violated several government rules, including by inappropriately charging fees and misinforming customers.


Current clients can contact Freedom Debt Relief at 800-655-6303, while non-clients can call 800-230-1553. You can reach a Certified Debt Consultant Monday through Friday from 8:00 a.m. to 11:00 p.m. Eastern Time, and Saturday and Sunday from 9:00 a.m. to 9:00 p.m. ET. Customer Service Representatives are available Monday through Thursday 8 a.m. to 9 p.m., Friday 8 a.m. to 8 p.m., and Saturday and Sunday 10 a.m. to 8 p.m. You can also email info@freedomdebtrelief.com for debt consultation and support@freedomdebtrelief. com if you are already a customer.


Prospective customers can complete an online questionnaire to see if they qualify for debt settlement with Freedom Debt Relief. Additionally, customers can view progress and payments on an online portal.

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