December 8, 2023

If you’re in debt, you may have come across Freedom Debt Relief BBB, a debt settlement company that claims to help consumers settle their debts for less than they owe. But before you decide to sign up for their services, it’s essential to do your due diligence and research the company thoroughly. In this article, we’ll take a closer look at Freedom Debt Relief and their ratings and reviews on the Better Business Bureau (BBB) website.

What is Freedom Debt Relief?

Freedom Debt Relief is a debt settlement company that was founded in 2002 in San Mateo, California. The company aims to help consumers who are struggling with unsecured debts, such as credit cards and personal loans, by negotiating with their creditors to settle their debts for less than what they owe.

According to their website, Freedom Debt Relief has settled over $10 billion in debt for over 650,000 clients since their founding. The company claims to have a team of debt professionals who work with clients to create a customized debt settlement plan based on their unique financial situation.


BBB Ratings and Reviews

The BBB is a non-profit organization that aims to promote ethical business practices and provide consumers with reliable information about companies. They assign ratings to businesses based on their performance, including factors such as complaints, reviews, and customer service.

Freedom Debt Relief has been accredited by the BBB since 2004 and currently holds an A+ rating. However, the company has received over 700 complaints in the past three years, with the majority of the complaints relating to problems with the company’s services and customer service.

Some of the common complaints against Freedom Debt Relief include:

  • Misrepresentation of services and fees
  • Failure to negotiate settlements as promised
  • Poor communication and customer service
  • Long wait times to speak with a representative

Despite these complaints, Freedom Debt Relief has responded to each one on the BBB website, indicating a willingness to work with clients to resolve their issues. It’s essential to note that complaints can be filed against any company, even those with high ratings and positive reviews.

Is Freedom Debt Relief Right for You?

While Freedom Debt Relief may be a viable option for some consumers, it’s important to do your research and consider all your options before signing up for their services. Debt settlement companies can have both advantages and disadvantages, and it’s essential to weigh these carefully before making a decision.

Some potential benefits of working with Freedom Debt Relief include:

  • The ability to settle your debts for less than what you owe
  • A customized debt settlement plan based on your unique financial situation
  • Professional negotiation with creditors on your behalf
  • No upfront fees (Freedom Debt Relief only charges a fee once a settlement is reached)

However, there are also some potential risks and drawbacks to consider, including:

  • The possibility of damaging your credit score
  • The risk of being sued by creditors
  • The potential for high fees (Freedom Debt Relief charges up to 25% of the settled amount)
  • The length of time it can take to settle your debts (up to four years)

Ultimately, the decision to work with Freedom Debt Relief or any debt settlement company should be based on your individual financial situation and goals. It’s crucial to research the company thoroughly, read reviews and complaints, and consider all your options before making a decision.


Freedom Debt Relief can be a helpful resource for consumers struggling with debt, but it’s essential to do your due diligence before signing up for their services. By researching the company thoroughly and considering all your options, you can make an informed decision about whether Freedom Debt Relief is the right choice for you. Remember to always prioritize your financial well-being and seek professional advice if necessary.

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Disclaimer: The information provided on this blog about loan and debt relief is for general informational purposes only and should not be considered as professional advice. The blog’s content is based on the author’s personal experiences, research, and understanding of the topic up to the knowledge cutoff date of September 2021.

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