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The short answer
Dedicated-account charges are separate from the settlement service percentage. Ask for setup, monthly and transaction charges, including what continues if you leave.
What service are you actually considering?
Debt-settlement provider. Dedicated-account charges are separate from the settlement service percentage. Ask for setup, monthly and transaction charges, including what continues if you leave.
Read the price as a whole
15%–25% of enrolled debt; the FAQ separately describes dedicated-account fees.
A written quote should identify the fee percentage, its base, the creditor payments, dedicated-account charges and any legal or financing costs. A smaller monthly deposit is not evidence of a lower total cost.
| Decision | What to confirm |
|---|---|
| Eligibility | Confirm the account-specific eligibility and state requirements in writing. |
| Your key question | How will the service fee be allocated when only some of my debts settle? |
| Leaving early | Fees already earned, money still in your account and unresolved creditor balances. |
Sources: Freedom Debt Relief public disclosures; FTC: covered debt-relief fee rules
What the results can—and cannot—show
The company’s program claims are not a verified all-enrollee completion probability. Its fee guarantee also needs to be read as a contract term with conditions, not a promise that creditors will accept an offer.
For your decision, request a mature enrollment cohort: everyone who entered, how many fully paid all included debts, how much they paid including fees, and how many left with balances unresolved. An account-level discount is not the same as customer-level completion.
How to investigate complaints fairly
Look up the legal name on the proposed contract, including related trade names. Read the issue, date, company response and any official order. A raw complaint count lacks the number of customers served and may span different products. A review score is not a license check.
This review does not present a comprehensive litigation or licensing clearance. No absence-of-complaints claim is made. Check current state requirements for the entity and service before signing.
Sources: CFPB: interpreting complaint data
A historical regulatory record to read
The CFPB maintains a public enforcement and consumer-redress record concerning Freedom Debt Relief. Read the allegations, entered resolution and dates in the official record. A historical case is relevant due diligence; it does not prove that every current interaction violates the law or that current practices are identical.
Sources: CFPB: Freedom Debt Relief enforcement and redress record
Compare the alternative before signing
Get a direct creditor hardship proposal and a nonprofit credit-counseling assessment when applicable. If money is unavailable, income may be protected or a court deadline is involved, legal advice may be more useful than an enrollment pitch. Choosing a company cannot guarantee creditor participation.
Sources: FTC: evaluating debt help
Your starting checklist
Keep these records privately. You do not need to upload them here.
Checks stay on this page only.
Questions worth asking
- How will the service fee be allocated when only some of my debts settle?
- What happens if a creditor refuses or sues?
- How many comparable customers completed all payments, including people who left early?
Sources & further reading
- Freedom Debt Relief public disclosures
- FTC: evaluating debt help
- CFPB: interpreting complaint data
- FTC: covered debt-relief fee rules
- CFPB: Freedom Debt Relief enforcement and redress record
Sources checked October 19, 2026. Rules and programs can change. This article uses AI-assisted research and has not received attorney or other professional signoff. Read our editorial standards.
Keep exploring
Educational guidance for U.S. debt situations. This page does not decide legal rights, eligibility, fees or suitability. If you have a court, property or service deadline, seek appropriate help promptly; reading this page does not extend it.