Here's a summary of where I'm at:
My husband and I have been with Freedom Financial Debt Settlement for about a year. We had 7 accounts signed up with them. So far, Capital One, Discover & Advanta have been settled with them, and we have gotten 50%-60% on these.
Amex filed a suit against us, FDR was no help. We ended up having to settle directly with Amex for the full amount paid out with no interest over 3 years.
We have 3 cards remaining in the FDR program: another Capital One, Chase & Citibank.


