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Update
I offered to settle with FDR by making four more payments, for a total of 52 payments of a 33 payment contract, thus paying an amount equal to my original debt.
FDR countered by offering me a “Settlement Agreement, General Release and Acknowledgement of Confidentiality.” I will try to summarize.
Settlement Agreement - Our contract is terminated when I sign this agreement. FDR will send me $566.60. The money I have in FDR’s ‘bank’ was not mentioned and is more than $566.60. Did they plan to keep this money? This settlement would leave me owing half my original debt.
General Release - I may not participate in any claims against FDR.
Acknowledgement of Confidentiality - I may not communicate the terms of this agreement or any dissatisfaction with FDR to any persons or agencies in any manner. I must send a list to all persons or agencies to whom I have complained and I must let these persons or agencies know that FDR and I have parted ‘amicably.’
FDR advised me to consult an attorney before signing this agreement. Like I can afford one. When I do consult an attorney about FDR, it will not be over this agreement.
I believe FDR thinks I’m an idiot just because I signed with them. But I was duped!

Freedom Debt relief is a scam. They told me not to worry on several occasions. I listened. I paid them 3170.00 and only 1000 worth of debt was settled. In addition to that I had to pay taxes on the amount that was forgiven. They take 98 dollars a month in fees that must be in the smallest of print. I felt as if I were talking to a bunch of well trained liars everytime we spoke. Credit Card companies will not wait for settlements. They will take you to court and will garnish your wages. This will happen. Freedom will tell you that they can do something about this. They cannot! I have spoken with a lawyer and this is not true! Please do not get sucked in like I did.

I signed up with this company a year agoand they withdrawed $4240.00 from my checking account from Feb. 2010 till June 2010. At thins time I got a letter from the Court that I was being sued for none payment of a credit card. After checking with the credit card companys' not a dime had been paid to any of them. I was going to be in court with all of them, and you won't believe the phone calls from debt collectors. My credit is completely ruined but I am making small payments every month,
This company should be put completely out of business. Oh yes They turned my account over to another company in another stat and I called the better business bureau in both states and filed a complaint, I got about $3000.00 of my money back but not all. I have my bank statement where the withdraws were made and somewhere the documents of emails that were sent but there is to many to email you.
Mary Donna Davis
43470 State Route 124
Racine, Ohio 45771
740-992-6107

PLEASE BE VERY AWARE!!! Freedom Debt Relief collects a pre determined amount of $$$ from you each month. After you submit all your credit card bills, medical bills etc... However, they will take more from your monthly amount each month and apply that to the fees portion that is collected. The remaining amount will go into the account that they will be "paying" your creditor's from. You will see two accounts with funds available. Which none of your creditor's will be contacted UNTIL they have collected a few thousand dollars from you. Things definitely become more complicated for you if you have an eager creditor, for example Target, that will come at you HARD. With an attorney and take you to court for judgement. Freedom Debt claims to have a "Legal" department, you can contact them, provide the info. send the faxes and truly, nothing is done for you. If you allow this to go to far and think FDR is helping you, you will quickly find a Judgement has been made against you and could possibly have your bank account drafted or even your payroll check. Things will become messy very QUICKLY! If you find ALL of this stressful, just please try to realize, if you are working with FDR, your credit is probably already suffering. The forms they give you to tell your creditor's to begin sending your monthly statements to instead of you, will show up on your credit report as a "NEW" address for you. So think about this, no one is contacted to be "settled" with until they have collected funds from you around 6-9 months later, possibly longer. Each person is different, your debt amount, your monthly income, and your monthly bills all calculate into this. All info. you must provide, in order to be approved for the program. After months of working with FDR, not one creditor was contacted. I had paid just over $2, 000 to them. A little more than half was for their fees, which they will NOT return to you if you exit the program once you start. I finally made the ultimate decision that I never wanted to face in the first place. I had to file bankruptcy. I only received about $950 back from them, and that was after they applied a $10 check fee. $10 to print a check on a piece of paper, and a maintence fee! UGH! The frustration. Please be aware again, I can not emphasize enough, that you will pay for months, monies will be collected. The accounts will be "SETTLED" instead of "PAID IN FULL" which will still affect your credit score. The money returned to me was used solely to file bankruptcy. Which in our state of OHIO can cost you anywhere from $900 and up these days!! Depends on your lawyer and depends on how much of the foot work you do for your lawyer, which will help keep cost down to. Just beware! To this day I still hope that these people will be sued for this and I will receive the remainder of my $$. Just wishful thinking I suppose. Just another company out there getting wealthy off good, honest everyday folks!!!

We had this company (Freedom Debt Relief) as a representative company to settle our credit cards, loans etc into a monthly payment

They been collecting $215.00/month for quite some time already, Until
now few work had been done.Today when i called their legal department
to find out what happened with our wells fargo account and citi financial
they could not give me a straight answer at all.called this 2 debt collector
agencies represented now by a law firm, settle with them a decent payment .In other words, did what they could not done throughout this
years. Freedom debt relief don't have a good representation, they are the
worse negotiators and to be in a worse situation, customer like us end up
with a negative in the credit.