{"id":39052,"date":"2024-02-07T07:28:58","date_gmt":"2024-02-07T07:28:58","guid":{"rendered":"https:\/\/mcclatchymh.wpenginepowered.com\/?post_type=reviews&#038;p=39052"},"modified":"2025-07-14T11:54:27","modified_gmt":"2025-07-14T16:54:27","slug":"freedom-debt-relief","status":"publish","type":"reviews","link":"https:\/\/mcclatchymh.wpenginepowered.com\/reviews\/freedom-debt-relief\/","title":{"rendered":"Freedom Debt Relief"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Freedom Debt Relief was established in 2002 to help consumers reeling from the aftermath of the recession. It offers a debt settlement program if you\u2019re overwhelmed by pesky debt balances and have reached the end of your rope. <\/p> <h2 class=\"wp-block-heading\" id=\"h-about-freedom-debt-relief\">About Freedom Debt Relief<\/h2> <p class=\"wp-block-paragraph\">Freedom Debt Relief is the leading provider of debt resolution services in the US. Since its inception, the firm has helped over 1 million clients resolve more than $18 billion in debt. The team of more than 2,000 trained professionals has also settled over 4 million accounts. <\/p> <p class=\"wp-block-paragraph\">They have a solid reputation &#8211; they boast 4.6 and 4.5 ratings on Trustpilot and ConsumerAffairs, respectively. It also holds an A+ BBB rating and memberships in the American Association for Debt Resolution, the Financial Health Network, and IAPDA Certification. <\/p> <h2 class=\"wp-block-heading\" id=\"h-who-is-freedom-debt-relief-best-for-nbsp\">Who is Freedom Debt Relief Best For? <\/h2> <p class=\"wp-block-paragraph\">Freedom Debt Relief could be a viable option if you\u2019re struggling to make your minimum monthly debt payments. The firm works with individuals from all walks of life dealing with challenging financial situations resulting from layoffs, divorce, unemployment, medical emergencies, large unexpected costs or other financial emergencies. <\/p> <h2 class=\"wp-block-heading\" id=\"h-how-does-the-freedom-debt-relief-program-work\">How Does the Freedom Debt Relief Program Work?<\/h2> <p class=\"wp-block-paragraph\">The Freedom Debt Relief Program is a debt settlement program designed to help you break the chains of debt bondage. A trained professional works with your creditors to settle your outstanding balances for less than what\u2019s owed. Most clients achieve the desired results in just 24 to 48 months. <\/p> <p class=\"wp-block-paragraph\">Here\u2019s a closer look at what to expect if you decide to move forward. <\/p> <h3 class=\"wp-block-heading\" id=\"h-initial-consultation\">Initial Consultation<\/h3> <p class=\"wp-block-paragraph\">During this free call, a team member reviews your financial situation to determine if the Freedom Debt Relief Program is right for you or if there\u2019s a more viable option. This could include a debt consolidation loan, credit counseling, or, in more serious cases, bankruptcy. <\/p> <h3 class=\"wp-block-heading\" id=\"h-enrolling-in-the-debt-relief-program\">Enrolling in the Debt Relief Program<\/h3> <p class=\"wp-block-paragraph\">If the program is ideal, the next step is to complete the enrollment process. Keep in mind that only unsecured debt (not backed by collateral) is eligible for enrollment. Auto loans and home loans do not qualify for inclusion in the program. The same applies to federal student loans, although private student loans are sometimes allowed. <\/p> <h3 class=\"wp-block-heading\" id=\"h-building-your-account-nbsp\">Building Your Account <\/h3> <p class=\"wp-block-paragraph\">Upon enrollment, you\u2019ll make a set monthly deposit into an FDIC-insured dedicated account through Crossroads Financial Technologies (CFT). These funds will be used in the future to cover your settlement offers in accordance with the debt-payoff plan. <\/p> <h3 class=\"wp-block-heading\" id=\"h-negotiation-and-settlement-process\">Negotiation and Settlement Process<\/h3> <p class=\"wp-block-paragraph\">Once the balance in the dedicated account reaches the desired target, the Freedom Debt Relief team will begin negotiations with creditors on your behalf. The goal is to reach settlement offers for less than what you owe on the unsecured debts enrolled in the plan. Keep in mind that the customers who get results generally stop paying their creditors directly during the process, which could mean bad news for your credit health. <\/p> <h3 class=\"wp-block-heading\" id=\"h-financial-freedom-nbsp\">Financial Freedom <\/h3> <p class=\"wp-block-paragraph\">Freedom Debt Relief remits payments to creditors from the dedicated account with your permission whenever a settlement offer is reached. This means you\u2019ll be one step closer to financial freedom as you no longer owe on these accounts. <\/p> <h2 class=\"wp-block-heading\" id=\"h-the-freedom-debt-relief-promise\">The Freedom Debt Relief Promise<\/h2> <p class=\"wp-block-paragraph\">Freedom Debt Relief expresses its commitment to customers through the Debt Relief Promise. It entails four components. <\/p> <h3 class=\"wp-block-heading\" id=\"h-free-debt-evaluation\">Free Debt Evaluation<\/h3> <p class=\"wp-block-paragraph\">You\u2019ll never feel forced into settling your debts. Instead, Freedom Debt Relief takes the time to explain all the options available to you so you can compare them and make an informed decision. If you decide to enroll in the program, you\u2019ll do so with confidence. <\/p> <h3 class=\"wp-block-heading\" id=\"h-personalized-assessment\">Personalized Assessment<\/h3> <p class=\"wp-block-paragraph\">A part of the free debt evaluation is a personalized assessment of your debt load and overall financial situation. This thorough analysis of your profile equips the Freedom Debt Relief team with the knowledge needed to make the proper recommendations. <\/p> <h3 class=\"wp-block-heading\" id=\"h-clear-terms\">Clear Terms<\/h3> <p class=\"wp-block-paragraph\">There are no gimmicks or tricks with Freedom Debt Relief. The language used by the team throughout the process is designed to be easily understood by customers. <\/p> <h3 class=\"wp-block-heading\" id=\"h-program-guarantee\">Program Guarantee<\/h3> <p class=\"wp-block-paragraph\">Freedom Debt Relief offers a program guarantee to help you keep costs low. If your program settlement costs exceed the aggregate balance of enrolled debt, Freedom Debt Relief will refund the difference when you leave or complete the process. <\/p> <h2 class=\"wp-block-heading\" id=\"h-benefits-of-the-freedom-debt-relief-program\">Benefits of the Freedom Debt Relief Program<\/h2> <ul class=\"wp-block-list\"> <li>Expedited, streamlined debt payoff process <\/li> <li>More affordable monthly payments <\/li> <li>Potentially lower borrowing costs <\/li> <li>Possibly avoid bankruptcy <\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-potential-risk-of-the-freedom-debt-relief-program\">Potential Risk of the Freedom Debt Relief Program<\/h2> <ul class=\"wp-block-list\"> <li>Account set-up and monthly account servicing fees <\/li> <li>Accumulation of interest and fees on enrolled debt<\/li> <li>Secured debt ineligible for inclusion<\/li> <li>Negative credit consequences when you stop making payments <\/li> <li>Results are not guaranteed as creditors aren\u2019t required to participate<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-how-much-does-freedom-debt-relief-cost\">How Much Does Freedom Debt Relief Cost?<\/h2> <p class=\"wp-block-paragraph\">When you enroll in the program, you\u2019ll pay a one-time fee of $9.95 to create the dedicated account. There\u2019s also a monthly account servicing fee for the same amount. Both fees are collected by CFT. <\/p> <p class=\"wp-block-paragraph\">Each time a debt is settled, they assess a fee between 15% and 25% of the outstanding balance. The amount you pay varies by the debt amount and your state of residency. <\/p> <h2 class=\"wp-block-heading\" id=\"h-is-freedom-debt-relief-worth-it\">Is Freedom Debt Relief Worth It?<\/h2> <p class=\"wp-block-paragraph\">It depends on your financial situation and debt load. Freedom Debt Relief could be ideal if you\u2019re struggling with a growing debt load and seeking an alternative to bankruptcy. That said, enrolling in a debt settlement like the one it offers could seriously affect your credit score. <\/p> <p class=\"wp-block-paragraph\">Debt settlement generally involves stopping payments to creditors, leading to late fees, other penalties and accelerated collection activity from your creditors. There are also fees associated with the service, which can be sizable and should be weighed against the potential cost savings when settling your debt. <\/p> <p class=\"wp-block-paragraph\">Another important consideration is the potential impact on your credit score if you use any of their services. Even if your creditors agree to the terms of the proposed settlement offers, you still aren\u2019t out of the weeds. Settled accounts are often reported as \u201csettled for less than the full amount owed\u201d and will linger on your credit report for up to seven years. <\/p> <p class=\"wp-block-paragraph\">Ultimately, deciding if Freedom Debt Relief is worth it comes down to your debt load and if there are other options available to you. Be sure to carefully evaluate the benefits and drawbacks of debt settlement and consult with a reputable financial advisor or counselor before making a decision.<\/p> <h2 class=\"wp-block-heading\" id=\"h-faqs-about-freedom-debt-relief\">FAQs About Freedom Debt Relief<\/h2> <div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1708068577327\"><strong class=\"schema-faq-question\">Is the Freedom Debt Relief Program legit?<\/strong> <p class=\"schema-faq-answer\">Yes. It\u2019s operated since 2002 and served over 1 million clients to date. The firm is a member of the American Association of Debt Resolution and the Financial Health Network and holds an IAPDA Certification. They are also accredited by the Better Business Bureau with an A+ rating.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1708068587324\"><strong class=\"schema-faq-question\">What happens when you use Freedom Debt Relief?<\/strong> <p class=\"schema-faq-answer\">When you enroll, its team of team professionals negotiates settlement offers with creditors on your behalf.<\/p> <\/div> <\/div> <h2 class=\"wp-block-heading\" id=\"h-how-to-get-started-with-freedom-debt-relief\">How to Get Started with Freedom Debt Relief<\/h2> <p class=\"wp-block-paragraph\">To <a href=\"https:\/\/mcclatchymh.wpenginepowered.com\/recommends\/debt\/freedom-debt-relief\/\" target=\"_blank\" rel=\"noreferrer noopener\">begin the process with Freedom Debt Relief, you can either submit an online inquiry or call their toll-free number at 800-910-0065 to connect with a Certified Debt Consultant. <\/a><\/p> <p class=\"wp-block-paragraph\">During the free, no-risk consultation, you\u2019ll undergo a free debt evaluation to assess your financial situation and determine your eligibility for the debt relief program. This evaluation will help Freedom Debt Relief understand your needs and propose the best course of action for your circumstances. <\/p> <p class=\"wp-block-paragraph\">It\u2019s an important first step towards creating a personalized debt strategy to reduce your debt load and ease your monthly payment obligations. If you qualify, you\u2019ll receive guidance on the next steps to enroll in their program and start your journey toward debt freedom. <\/p> ","protected":false},"excerpt":{"rendered":"<p>Freedom Debt Relief offers a tailored debt settlement program to help resolve unsecured debt that is weighing your finances down. <\/p> ","protected":false},"author":7,"featured_media":39088,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[257],"tags":[],"class_list":["post-39052","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-debt"],"acf":{"zone_id":"314623","sponsored":false,"external_author":1943,"external_editor":39659},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Freedom Debt Relief Review | Miami Herald<\/title>\n<meta name=\"description\" content=\"Freedom Debt Relief offers a tailored debt settlement program to help resolve unsecured debt that is weighing your finances down.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamiherald.com\/banks\/reviews\/freedom-debt-relief\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Freedom Debt Relief\" \/>\n<meta property=\"og:description\" content=\"Freedom Debt Relief offers a tailored debt settlement program to help resolve unsecured debt that is weighing your finances down.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.miamiherald.com\/banks\/reviews\/freedom-debt-relief\/\" \/>\n<meta property=\"og:site_name\" content=\"Miami Herald - 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