Freedom Debt Relief
Editor's ChoiceLargest Debt Settlement Company in the U.S.
15,203 verified reviews
What is ACDR Membership?
The American Association for Consumer Debt Relief (ACDR) is a trade association representing companies in the debt relief industry. Membership indicates a company participates in the association and agrees to follow its standards and code of conduct. Membership alone is not a guarantee of performance or outcomes — ReliefGuardian evaluates many additional factors when reviewing providers.
How Attorney-Assisted Service Works
In some states, debt relief companies work through licensed attorney partners who provide legal oversight of the settlement process. This is required by state law and does not change your experience as a client. In these states, Freedom Debt Relief works with Turnbull Law Group.
Quick Facts
Founded
2002
Headquarters
San Mateo, CA
BBB Rating
A+
States Served
40+ states
Min. Debt
$7,500
Max. Debt
No maximum
Program Length
24–48 months
Fee Range
18–25%% of enrolled debt
Overview
Freedom Debt Relief is the largest debt settlement company in the United States by enrollment volume, having resolved billions of dollars in debt since its founding in 2002. Their team of over 2,000 employees includes certified debt specialists and experienced creditor negotiators. The company is particularly strong for high-balance cases and clients juggling debt from multiple creditors. They offer a dedicated online dashboard and mobile app to track every negotiation in real time. Freedom Debt Relief is accredited by the American Association for Consumer Debt Relief (ACDR) and maintains an A+ rating from the Better Business Bureau.
How It Works
Clients make monthly deposits into a dedicated FDIC-insured account. Freedom's negotiators work to settle each enrolled debt account as sufficient funds accumulate. They handle all creditor communications, legal responses, and negotiation calls on the client's behalf. Once a settlement is agreed upon, the client approves it before any funds are released.
Our Rating Breakdown
Pros & Cons
Pros
- Largest U.S. debt settlement company by enrollment volume
- Proprietary mobile app for real-time negotiation tracking
- Dedicated personal account manager throughout the program
- FDIC-insured dedicated savings account
- Handles creditor lawsuits in some states
- Over two decades of established creditor relationships
- ACDR and IAPDA accredited
Cons
- Higher fee range (18–25%) compared to some competitors
- Not available in 9 states
Who Is It Best For?
✅ Best For
- High debt balances ($20,000 and above)
- Multiple creditor situations
- Consumers who want mobile app tracking
- Clients who want an established, large-scale company
❌ Not Ideal For
- Residents of the 9 unsupported states
- Those who prefer lower-fee options
Eligible Debt Types
Requirements to Qualify
- Minimum $7,500 in unsecured debt
- Demonstrated financial hardship
- Must be a resident of a supported state
⚖️ How Service Works in Your State
Attorney-Assisted Model Available
In certain states, Freedom Debt Relief provides debt relief services through a licensed attorney partner network — currently Turnbull Law Group. This attorney-assisted model is required by state law in those jurisdictions and ensures legal oversight throughout the settlement process.
Clients in attorney-partner states receive the same quality service and negotiation results. The attorney involvement adds a layer of legal protection. Your free consultation will confirm how service is delivered in your specific state.
Customer Reviews
Robert K. — Phoenix, AZ · February 2026
"I had six credit card accounts and two personal loans. Freedom handled every single one. The app was great for staying updated. Final settlement was about 44 cents on the dollar across all accounts."
Debt Enrolled
$68,000
Amount Saved
$38,000
Susan T. — Las Vegas, NV · December 2024
"I called my account manager at least 20 times over two years. She always picked up or called back within hours. That level of service made a stressful process manageable."
Debt Enrolled
$29,500
Amount Saved
$14,100
Gary L. — Tampa, FL · March 2026
"Results were solid — saved around 40%. My only complaint is the fee was 24% of enrolled debt, which felt steep. That said, I still came out way ahead compared to paying minimums forever."
Debt Enrolled
$41,000
Amount Saved
$16,400
Why We Recommend Freedom Debt Relief
ReliefGuardian's Take: Freedom Debt Relief is our top-rated pick for its unmatched scale, two decades of creditor relationships, and real-time mobile tracking. For consumers with $20,000 or more across multiple creditors, Freedom is the clear first call.
Last verified: January 2026 · ReliefGuardian evaluates providers independently based on fees, accreditation, customer service, and settlement outcomes.
Our Verdict
Freedom Debt Relief is our top-rated pick for its unmatched scale, two decades of creditor relationships, and real-time mobile tracking. For consumers with $20,000 or more across multiple creditors, Freedom is the clear first call.
Think Freedom Debt Relief Might Be Right for You?
Check your eligibility with a free, no-obligation consultation.
Average savings for clients
Up to 50%
Free consultation · No obligation
No upfront fees · 100% confidential