Freedom Debt Relief - How good a company is it?

Quote:

I have done business with FDR. I do not recommend them to anyone. I had $18,000 in debt. They sent me paper work I signed,(dumb me) had contract for $11,000 pay back, at $350 per month for 30 mo. At the 26th mo and 27th mo I went to court for two of the credit cards, that FDR was suppose to be talking care of, so I could enjoy restful nights. At the 30 mo I contacted them as to a pay off. I had six original debts, they paid of the two small ones, the other four they had not. My bills jumped from owing $18,000 to $23,000 on there plan. They tell you that they can't work with all creditors. I have since walked away, and am dealing with my debt on my own. If my credit was getting ready to go in the dumper, FDR did the final flush for me. Remember you can only do what you can do. I have managed to settle one of the four debts, I got back. So I am down to 3.

I work in the same building as FDR, and they are a HUGE scam!!

Visit this website and read the nine-page Desist & Refrain Order by the Department of Corporations. (since I cannot post a link, please accept this cryptic detailing)

three w's dot corp dot ca dot gov/ENF/list/f/default dot asp

Go to the F section and scroll down to "Freedom debt relief, Freedom Financial Network, Freedom Tax Relief"

What is a good company to help me with my debt. I have 10k in debt and i need to get out of it, asap, can anyone recommend a company that can help me out.

I actually work for Freedom debt relief and I think we are a great company helping thousands of people. I don't know who mostly posts on these chats, but here is one perspective.

We are one of the largest, and the owners of the Company preach constantly about ethics and about taking care of our clients. Our average customer service hold times are less than 10 seconds, our service levels average 95% and we settle about $15 million in debt per month.

As an employee, I'm proud of this Company and we won a spot as a Best Places to Work in Phoenix and San Francisco (I don't think a place that cares that much about its employees and clients can be bad).

I know that a lot of people take shots at anybody, but if I had debts and needed help I would call Freedom Debt Relief way before I contacted anyone else.

That's the truth.

I am enrolling to Care One Credit, after researching a lot, they are BBB credited and reliable. You should try them..

FDR is awful, we've been with then for a year now and nothing has been resolved with our debt. they won't call us back and now we are receiving court papers from the companies we owe. When we talk to a "negotiator" they tell us that these companies are asking for our account info and place of employment. Why? so they can garish our wages because they're not doing what we signed up for. they are a waste of time and money

Freedom calls me just about every month to check in and make sure things are going well, they settled two of my accounts already and I've saved more than I expected. I'm glad I picked Freedom.

Look, debt stinks. But these people whining about having to pay something, or getting a collection call. What do you think? You got into debt. You chose a company to HELP you as a partner get out. You are getting out of debt.

Take some responsibility for your own actions. Getting out is no walk in the park, but it's better than being in debt for the next 30 years and it looks like I am going to get out in about the time freedom told me and for less than what I expected. Yeah, it's not fun. Yeah I wish I didn't have debt. But I'm glad I have someone on my side, at last.

I'm also willing to look in the mirror and admit that I own the problem, no one else but me. I can also say I'll never let myself get into this problem again.

Yeah, I can take a few collection calls. I just can't take the stress of not being able to pay my bills and getting harassed without a light at the end of the tunnel. I'm going to sign up for fdr tomorrow. they've been honest and I was told by my attorney that I cannot file Chapter 7, so it is my only option.

Before going with any company, be sure and check them out. You can not only check them out with the BBB, but in some states, your attorney general can help you. Use the search feature at the top of this page and see what others are saying about the company you are thinking of..karen

check out Freedomcredit.com freedom credit..relief is a different company..I believe

Freedom passed an audit by BSI Group, a third party industry compliance and standards auditor. Freedom is currently one of only 16 companies in the industry to undergo and pass BSI audit for formal accreditation, including client service standards and settlement standards. They prove that they do what they say and take care of clients.

All of the debt consultants at Freedom have passed International Association of Professional Debt Arbitrators (IAPDA) certification, FDR is one of three Platinum certified debt settlement companies.

Check it out, they are the best.

Do your own homework, but Freedom appears solid... and they won best places to work, so they take care of their people too (I am a partner firm, but they've always been the best firm I have ever worked for and take care of all of my clients every day).

I myself recently looked into debt settlement and one of the companies I looked into was Freedom debt relief. The other two were RAM Finacial and Debt Soltions. They all provided plenty of information, but in the end I ended up going with RAM. The kicker for me was the fact that they pay for my credit repair program after the Settlement program is completed and the Consultant didn't try to "sell" me. They were also local to me, which I liked. I actually got to meet the person I was dealing with. Something else that we have in common is that I have the money upfront to settle the accounts. It should only take them about 4 to 6 months to settle everything for me. And then upto another 6 months for the credit repair program. Looks like I am going to save about $15,000 by doing this. Works for me!! Good luck to you! I hope it works out.

I looked at my paperwork for you to get the number for RAM Financial Services. It's 1.866.726.2122

Is Freedom debt relief the same as freedom debt help? I just had a really wonderful call with someone named Chris, who I think is freedom debt relief. They spent about an hour on the phone going over my options and my debts for free and they finally helped me understand that in my case I wouldn't be a likley successful candidate for debt resolution, so they helped me get in touch with an attorney, but I wanted to say that they were super honest and took the time (for free) to help me out. That means a lot to me when it seems like no one else will help me.

My credit is already as bad as it could get. All of my debts are already in collections and I don't have any large sum of $$ to negotiate with. Does anyone have any past experience with Freedom that is or was in a similar situation as myself?

yeah, I watch this forum sometimes but that is what my deal was and is. I was behind on my payments and was actually getting collection calls. I signed up with freedom and they basically did a budget session to help me save each month enough so that over time my debts get (or are getting, since they've settled five of my six accounts). On average I saved something like 60% of what I owed, but mostly I'm just happy to finally have this mess behind me, almost. They helped me pretty good.

HERE IS SOME INFO:

Freedom debt relief

Background


Freedom Debt Relief
1875 South Grant Street
Suite 400
San Mateo, CA 94402

Other Business Names: Freedom Financial Network, Freedom debt help, Bills.com, Debt Resolution Partners, FreedomDebt.Com, Freedom-Debt-Relief, FreedomDebtRelief, Freedom debt relief usa
Summary of Business: debt settlement & Negotiation, debt consolidation / debt management
Number of BBB Complaints as of 7/17/08: 125
Members of BBB: Yes
BBB Profile
Business Start Date: December 2002
Number of Employees: 133
Trade Organization Memberships: TASC (Trade Association of Settlement Companies)
Other Accreditations: Dunn & Bradstreet

Freedom Debt Relief is one of the largest companies in the debt settlement arena and go by a number of names such as Debt Resolution Partners, Freedom Financial, and more. They are also affiliated with companies such as DebtMerica who sign up clients for their company. They have two main locations - one in northern California and another in Arizona. They also have affiliates nationwide (including Texas). They place a great deal of emphasis on their BBB membership and the financial and education backgrounds of their founders, both of whom went to Stanford Business School. They also own the financial web portal, Bills.com, which aims to educate consumers about important financial decisions such as consolidating debt and getting a mortgage.


Fees


What is the total fee for the program?
15% of the total debt enrolled in the program. Fees are included in monthly payments.

Over how many months is the fee paid?
18-19 months

Do you have a set up fee?
Yes, there is a retainer fee that is paid over the first 3-4 months

Do you have a money back guarantee?
Yes, according to the website, Freedom Debt Relief's website states that "program completion if your total debt reduction is less than 3 times the Service Fees you have paid to us, we will refund a portion of those Service fees. The amount of the refund will be calculated so that the amount of Service Fees we retain is equal to only 1/3 of your total Debt Reduction. Please keep in mind that Retainer Fees are generally non-refundable."


Eligibility


What type of debt do you work with?
Unsecured debt

What is the minimum total unsecured debt one must have in order to qualify?
$500 per account

Does a client need to include all of their unsecured debt in the plan?
No, one small account can be left open for emergencies


Services


Do you do the negotiations yourselves?
N/A

If back end, who is the company you use for negotiations?
N/A


Creditor Calls


Do you send a Power of Attorney to notify the creditors that a client is enrolled in your program right away?
According to its website, Freedom Debt Relief contacts creditors once someone enrolls in their "Debt Reduction Program"

Look, I've worked in the debt settlement industry for about 6 years (making me a serious veteran in debt years).

Freedom is about the best. BUT - you got to understand that your savings and that low payment come with a price. You will have bad credit for a while. You might get collection calls.

But, having known about a dozen of these companies (from TASC, USOBA, and their predecessors) Freedom Debt is the best. They have clearly proven that they help people and they are ethical and have been through audits that have confirmed they are the real deal.

If you don't choose someone like them, you're really rolling the dice. Most debt companies just pop up and dissappear. Many of them are fraudsters and it's a tough and complicated bbusiness so if you don't pick the best one, you might get screwed.

Anyway, from a veteran that's the facts. Debt settlement America is good, and Able and DTS have proven that they are the real deal, but most people who know all know that freedom debt is one of the best.

Freedon debt relief has 140 complaints at the BBB and an unsatisfactory rating. But Hey they are good right? Here we go again people. C'mon see the light here.

Government Actions:

On May 29, 2008 The California Corporations Commissioner filed a desist and refrain order against Andrew Housser Founder and CO-CEO of Freedom Financial Network, LLC, and Bradford Stroh Founder and CO-CEO of Freedom Financial Network "FFN", LLC, and it's affiliated entities, Freedom Financial Network, LLC, Freedom Debt Relief, Inc.; Freedom Debt Relief, LLC; FDR; Alivio Holdings, LLC; Bills.com, Inc.;Bills.com, LLC; Bills.com; Freedom Tax Relief, LLC; Alivio Mortgage, LLC for being in violation of sections 12200, 22104, 22153 and 22154 of the Financial Code.

Without any admission of wrongdoing the complaint alleges that FFN engaged in the business as a bill payer or prorater as defined in the Check Sellers, Bill payers and Proraters Law, California Financial Code section 12200 without a license
BBB Definition:

license - A permit or accreditation required by the State, Province, County or Municipality where a company is located indicating competence or professional certification that allows the company to provide products or services related to their particular field or industry.
from the Commissioner and in violation of that law including overcharging consumers in violation of Financial Code sections 12314 and 12314.1. The order states that Alivio Mortgage, LLC a Delaware limited liability company that is affiliated with both Freedom Debt Relief and Freedom Financial Network failed to get approval from the Department of Corporations to move their place of business which is in violation of Financial Code section 22153. It is also alleged that Alivio Mortgage, LLC failed to meet the statutory net worth requirement which is in violation of Financial Code section 22104.
Alivio Mortgage, LLC, co-located with the other businesses of Housser and Stroh conducted business at a place in which business other than making loans is engaged in without either written notification to and the authorization of the Department of Corporations which is violation of Financial Code section 22104.

It was ordered pursuant to Financial Code section 12103 that Andrew Housser and Bradford Stroh, and their affiliated entities, FFN to desist and refrain from engaging in business as a bill payer and prorater unless and until they are licensed or exempt and from violating Financial Code section 12314 and 12314.1. It is also ordered pursuant to Financial Code section 22712, that Alivio Mortgage, LLC and any and all officers, directors, employees , independent contractors, agents, and affiliates operating on it's behalf to desist and refrain from the following: 1) changing locations without notification to and the approval of the Commissioner: 2) failing to maintain minimum net worth of 25,000: 3) conducting business at a place in which other than making loans is engaged in without either written notification to and the authorization of the department; 4) using advertising without prior approval from the commissioner.

WHAT MORE WILL CONVINCE YOU. STAY AWAY PEOPLE.

Stop taking their calls and save yourself money they have a horrible reputation and its not worth the risk.

LOL...Freedom debt relief has 140 complaints at the BBB and ZERO I repeat ZERO complaints at the TASC. WHY is that? Does ANYONE see ANYTHING wrong with that? Do I need to explain why that is strangely ODD? They have a government action against them and the TASC does not even mention that about Freedom Debt Relief on their site. Educate yourself people.

ANY RED FLAGS GOING UP HERE????? ANYONE???????

Anyone know complaints relative to how big a firm is? I see 140 complaints, but if they have 40,000 clients then that is a ridiculously good ratio, right? (like .00032 of their cleints)

Isn't that what I should look at? Paypal has like 10,000 complaints, but they are a good service. I think it should be relative to how many clients you have.

My fear is that some other company with no complaints has no history and might not know what do for me. I'm still choosing freedom.

I don't see how they can be certified by many groups and have thousands of happy clients, and be bad. Oh well. But let me know if you find anyone out there with that many clients and zero complaints (credit solutions is their size and has ten times the complaints).

I actually voted for them to be on the industry board (which they are). They were also voted to be on the founding board of USOBA. Trust me, even competitors think they are good and care.

Info on the TASC: Article clip.

One organization which claims to set standards for the debt settlement industry is TASC (or The Association of Settlement Companies). With 145 members as their claim on their member page this is the largest such group in the debt settlement field. Depending on who you talk to people feel that TASC is going to change the face of debt settlement or they feel that it is a complete scam and while claims that the industry is now ????????self regulated???????? are often heard it????????s simply one more way for debt settlement companies to prey upon consumers looking for debt help.

So I say again: Freedom debt relief is not allowed to do business in CA and the TASC does not have this info on their site about them. Give me a break with all of this.

I a client of freedom and they told me the ups and the downs of the program. There was no other solution for me besides a horrible chapter 13. If my employer found out i was filing a bk, he would probably find a way to fire me because the court would garnish my wages. With Freedom- I get some calls from creditors, but they have settled most of my accounts.

I hate all these people who get themselves into debt and think they can just walk away from it or reduce it with a magic wand. Some of these people complaning were probably spoiled brats when they were kids..

I got myself in this mess just like if i ran a red light and hit a wall. I would have to hire a company to fix my car because of my mistake. A walk in the park? no. Free from debt in 2 years- yes sir!

They got me back on my feet. Whatever they told me upfront was about right, and I just got my graduation letters and finished the program in under three years.

They were good for me. If I hadn't done this a while back I'd probably still be just scraping by and have too many years ahead of paying bills and getting collected on.

They're cool and honest too.

Of course bills.com says good things about them: Freedom owns bills.com!

Additionally, how can people point to TASC or USOBA as proof that companies are valid? Did you guys not realize that they were created by debt settlement companies to look legit? Look at their boards of directors: guys from freedom, guys from debt settlement america, etc.

If the pitch is really that debt settlement companies have a special relationship with creditors and can negotiate better than you or a lawyer you hired directly can, it is pretty clear that is marketing BS.

HOLY CRAP Gordo YOU ARE SO RIGHT!!!!!!!!!!!!!!! HOW could I have missed that!!!!!!!!!!!! The board members of the TASC all have shady companies that are listed as SCAMS all over the net in some shape or form. THE TASC WAS CREATED BY debt settlement COMPANIES TO POLICE THEMSELVES, SO THEY SAY, BUT IT IS ANOTHER SCAM TO FOOL US INTO THINKING THAT THEY ARE LEGIT AND THIS IS THE PROOF. I feel so stupid for overlooking the obvious. THANKS bro, that's VERY damaging evidence to support what I've been saying for awhile. CAN'T DENY THE FACTS ON THIS ONE PEOPLE.

Although I know some will try. WAKE UP

Chris Kesterson serves as President of TASC. He is President and CEO of debt settlement America.

Debt Settlement America has a no rating at the BBB 56 complaints. Complaints on Rip off.com and complaintboard.

David Leuthold serves as Vice President of TASC. He is President and CEO of Century Negotiations, Inc.

Century Negotiations, Inc has a satisfactory rating from the BBB but has 33 complaints.

John Philbin serves as Treasurer of TASC. He is the President and CEO of Debt Remedy Solutions, headquartered in Boca Raton, Florida.

Debt Remedy Solutions BBB reports states they have 55 complaints

Wesley Young is General Counsel of Debt Settlement America and is chair of the Legislative Committee of TASC. Previously he was a Senior Associate with Baron & Budd, P.C.

Andrew Housser co-founded Freedom Financial Network in 2002.

His company freedom debt relief and others are no longer able to do business in CA.

Joanne Garneau, Joanne founded Nationwide Support Services Inc. in 2005.

Nationwide Support Services has 26 complaints from the BBB and a F rating.

WHAT MORE EVIDENCE DO YOU WANT. IT"S OFFICIAL THE TASC IS A SCAM.

This is a warning--what ever you do 'DO NOT' sign on with
Freedom debt relief it is a major scam. I just recently
dropped my contact with them after 2 years after
absolutely no satisfactory success whatsoever. I was
making $500.00 /month payments to them to handle
3 accounts of mine. They settled 1 account for
$200.00 more than the final bill was at the time
that I turned over the account to them. I had $4,150.00
in my account at the time of settlement that is
$4,800.00 less than I had paid them. $4,800.00 was
what they pocketed to do absolutely nothing. What
I found out from my bankruptcy attorney was that
I could have accomplished more by doing this
negotiation process myself and it would not have cost
me a dime. After they settled this account and my
bank account was empty, I then had to contend with
lawsuits from the other accounts I still owed from
and with no money to negotiate with I was backed up
against a wall. Therefore, my only choice was
bankruptcy which is what I am in the process of now.
I should have saved myself the stress that I went through
these past 2 1/2 years and either handled it myself
or filed bankruptcy then. This company tells you everything
that you wantto hear so you sign on the dotted line.
Not only can I tell you of my experience but also my
brothers. He signed up when I did. He has been sued
one time and with a judgement against him for $1200.00
FDR could not even settle this small amount of an account.
My brother now has a judgement and was served
with another summons 2 days ago for another account.
FDR says that there is nothing that they can do because
he has no other funds in his account to negotiate with
so, he too is backed against the wall just like I was.
So, he too is going to my bankruptcy lawyer to do what
he should have done sooner. I am contacting the BBB
to file a complaint regarding this company and I recommend
that anyone even thinking about this company as a
solution to your problems will be sorely disappointed.
They are working for the All American Dollar and not
for the person that they are taking the dollars from.

This is a warning--what ever you do 'DO NOT' sign on with
Freedom debt relief it is a major scam. I just recently
dropped my contact with them after 2 years after
absolutely no satisfactory success whatsoever. I was
making $500.00 /month payments to them to handle
3 accounts of mine. They settled 1 account for
$200.00 more than the final bill was at the time
that I turned over the account to them. I had $4,150.00
in my account at the time of settlement that is
$4,800.00 less than I had paid them. $4,800.00 was
what they pocketed to do absolutely nothing. What
I found out from my bankruptcy attorney was that
I could have accomplished more by doing this
negotiation process myself and it would not have cost
me a dime. After they settled this account and my
bank account was empty, I then had to contend with
lawsuits from the other accounts I still owed from
and with no money to negotiate with I was backed up
against a wall. Therefore, my only choice was
bankruptcy which is what I am in the process of now.
I should have saved myself the stress that I went through
these past 2 1/2 years and either handled it myself
or filed bankruptcy then. This company tells you everything
that you wantto hear so you sign on the dotted line.
Not only can I tell you of my experience but also my
brothers. He signed up when I did. He has been sued
one time and with a judgement against him for $1200.00
FDR could not even settle this small amount of an account.
My brother now has a judgement and was served
with another summons 2 days ago for another account.
FDR says that there is nothing that they can do because
he has no other funds in his account to negotiate with
so, he too is backed against the wall just like I was.
So, he too is going to my bankruptcy lawyer to do what
he should have done sooner. I am contacting the BBB
to file a complaint regarding this company and I recommend
that anyone even thinking about this company as a
solution to your problems will be sorely disappointed.
They are working for the All American Dollar and not
for the person that they are taking the dollars from.

This is a warning--what ever you do 'DO NOT' sign on with
Freedom debt relief it is a major scam. I just recently
dropped my contact with them after 2 years after
absolutely no satisfactory success whatsoever. I was
making $500.00 /month payments to them to handle
3 accounts of mine. They settled 1 account for
$200.00 more than the final bill was at the time
that I turned over the account to them. I had $4,150.00
in my account at the time of settlement that is
$4,800.00 less than I had paid them. $4,800.00 was
what they pocketed to do absolutely nothing. What
I found out from my bankruptcy attorney was that
I could have accomplished more by doing this
negotiation process myself and it would not have cost
me a dime. After they settled this account and my
bank account was empty, I then had to contend with
lawsuits from the other accounts I still owed from
and with no money to negotiate with I was backed up
against a wall. Therefore, my only choice was
bankruptcy which is what I am in the process of now.
I should have saved myself the stress that I went through
these past 2 1/2 years and either handled it myself
or filed bankruptcy then. This company tells you everything
that you wantto hear so you sign on the dotted line.
Not only can I tell you of my experience but also my
brothers. He signed up when I did. He has been sued
one time and with a judgement against him for $1200.00
FDR could not even settle this small amount of an account.
My brother now has a judgement and was served
with another summons 2 days ago for another account.
FDR says that there is nothing that they can do because
he has no other funds in his account to negotiate with
so, he too is backed against the wall just like I was.
So, he too is going to my bankruptcy lawyer to do what
he should have done sooner. I am contacting the BBB
to file a complaint regarding this company and I recommend
that anyone even thinking about this company as a
solution to your problems will be sorely disappointed.
They are working for the All American Dollar and not
for the person that they are taking the dollars from.

i just finished settling my sixth of 7 accounts, and I have saved over $33,000 from what i enrolled and about three times more than that from what i would have paid.

I think that they are the best and helped me the most.

I think very highly of my experience as a customer. I've had nothing but good things happen, for the first time since I had this debt problem.

They call me just about every month to say hello and make sure all is well, I get the opportunity to accept each settlement and I feel like at last someone is solving this problem for me.

I want to say that they are good and I have a good review.

I would be leary to go with a debt settlement that hires pushy sales people, this company hires commissioned sales reps. See ad on career builders. They also have many upset consumers that have posts on the rip off report. To top it off the AG in california issued a cease and desist to freedom debt for violating the law. I would do more research with other firms in this industry.

electriclade sounds like you are mad. Sorry that happened but at least you are not wasting anymore money with them. Good luck.

And nygirl11223 you are 100% right.

This complaining info is garbage. I'd recommend you call FDR and see what you think. They treated me with respect and are going above and beyond what I expected. I would choose them again. and I have recommended them.

I know you won't remember me but you saved my life.
I have been in the program for a little over a year and have seen 2 of my 5 debts resolved. I still have a way to go and the monthly program draft is a challenge for me to do but I can sleep at night and I am not terrified to answer my phone or check the mail.

I am on my way to be debt free and have determined that I will continue putting aside the $810 per month after I finish the program so there will be savings there to really start living again.

I just wanted to say thank you for holding my hand at the beginning of the journey.
Have a wonderful day, Mark C.

Looks like the previous 2 posters are shills in disguise

Well I'm glad I found this site. I was thinking of going with FDR but am really not feeling it anymore. I have about 20k in debt and just want an easier solution. What do you all think of loan through my personal bank? Basically like a debt consolidated loan? I would feel a lot better going through them... I called them today and I was approved... I would save about $250-300 a month with an interest rate of 10.24. I really think I would like to go ahead with this instead of FDR... I have a feeling they are going to be harassing me for a while now since I called them yesterday. Oye!

JC that is a good idea. If you were already approved to cover all your debt then that's good. Now you can start from zero again. This time though don't fall behind. That's great. WOW that's a very nice bank. Gave you a 20k loan with bad credit WOW. Let us know the name of that bank so the rest of us can run and open up accounts with them.....LOL.

I have fairly good credit though. My score is 711. Never had a late payment, never been delinquent. Just don't want to keep paying minimum payments and I'd like to have this all paid off a lot faster. Thanks though! I went through my credit union.

Yeah I have a credit union also. It's a big asset to have them. You get some things from them that a normal bank won't give. I have terrible credit but I still got a brand new car this year. I can't complain.

I signed up with freedom about a year ago. Although it has not been the easiest thing to get through, overall I'm happy because a couple of my debts have been settled for about 50% of the balance. I still get collector calls but I was already behind when I started... plus the rep told me to expect them.

First of all in regards to the BBB and everything. Number one on the list of complaints with the BBB is anything Financial. So lets do some math. Everybody is complaining about something they probably were disclosed about when signing up. Meaning its possible that a company can sue. Well guess what. YOur trying to settle on things you have already bought. ITS A TOTAL RISK ON YOUR PART. There are no guarantees and if a company tells you there is then thats when you run.
So back to the mathon Freedom debt relief. I called for fun and they told me that they have roughly 50,000 clients enrolled. They have about 450 employees. Someone said above that they had 68 complaints. Ok so 68/50,000= .00136. Move the decimal point over 2 places and you get .1% complaints for possibly 50000 clients. Does that really seem like a big number? I dont work for them but it doesnt look to bad. But i just did a search on the BBB for Bank of America and found that they had 5538 complaints. So should we not bank there? I mean you have to know the risks. There is no get out of jail free card. Use a company that does not charge up front fees so you can save quicker in your account if you dont want to do it yourself. Just my thoughts......

I have been working with freedom debt for 10 months now and all they have done so far is pay a 1200.00 hospital bill. i have paid them 7335.00 over the months and they tell me i only have 1300.00 in my account. Where did the rest go?
So in the mean time, I have a 20,000 account that was turned over to a lawyers office and Freedom Debt has done nothing to negotiate my acccount with them. I was served a summons for this debt. When I called Freedom Debt all they told me was to make a payment arrangement because i did not have enough money in my account to work with. I had to pay an additional 500.00 to get someone to answer the summons and file it with the court. So what am I paying them for? Now I have to fight this in court myself. They totally left me out there to hang.

Freedom debt relief and all of Mr. Housser's so called businesses have been ordered to stop doing business in California for various reasons. Cali is where they are from. And that BS about how many clients they have to complaints is totally a fallacious argument. Who knows how many clients they have. I bet they don't even know themselves. Go to the BBB see why they were ordered to stop doing business. They have to do some work for people so that it looks legit while they screw the rest. It seems people will never learn and find every excuse to fool themselves. So it's up to them to decide. This one is a NO BRAINER though but hey what can you say sometimes.

Sorry Marcia for this happening to you. Stop payment ASAP and cut your losses. Ask for all of your money back. If they don't sue them. They are not licensed to do business.

I am a client and called in to question them. First of all, they answered the phone immediately, and not somebody in India, but a really nice woman named Jessica. They answered all of my questions and it looks like the last two of my accounts are close to being settled this month, which means I will be out in only 19 months. I think that they are a good company and helped me. But do what is right for your own situation and be aware that you will get some collection calls while getting through the program.