The quick-scan version. Who Freedom Debt Relief is for, what it costs to check, how fees work and the tradeoffs, all in about two minutes.
The memo in one line: if you owe $7,500+ in unsecured debt, a free evaluation can show whether a debt relief program could fit.
Credit card balances keep climbing, and minimum payments often go mostly to interest. Debt relief is one option people consider when balances get too large to pay down on their own. Freedom Debt Relief is a well-known company in this space. Here’s the memo.
The memo: 5 things to know
Made for $7,500+ in Unsecured Debt
$7,500+ DEBTBig balances, multiple cards.
Freedom Debt Relief works with people who owe $7,500 or more in unsecured debt, like credit cards, medical bills and certain personal loans.
- Credit cards and other unsecured debt
- $7,500+ in balances
- Check online
The Evaluation Is Free
FREE EVALUATIONNo cost, no obligation.
Estimate your debt and get a free evaluation showing whether a program may fit and what it could look like, before you agree to anything.
- Free to check
- No obligation
- Minutes to start
No Upfront Fees
$0 UPFRONTPay only after a settlement.
There are no upfront fees. Fees are charged only after a debt is settled and you’ve approved that settlement.
- $0 to sign up
- Fees after settlement
- You approve each one
Memo tip: total it first. Add up every card and unsecured loan balance before you start. It makes the evaluation faster.
Compare paths. Debt relief, credit counseling and balance transfers each fit different situations.
One Deposit, Negotiators Do the Talking
ONE DEPOSITSimpler month to month.
You make one monthly deposit into a dedicated account you control. Negotiators work with your creditors to try to settle debts for less than you owe.
- One monthly deposit
- Account you control
- Creditor negotiations handled
The Tradeoffs
24–48 MONTHSNot instant, not for everyone.
Programs often run 24 to 48 months. Settlement can affect your credit and isn’t available in every state. The evaluation helps you decide.
- Clear timeline
- Tradeoffs explained
- No pressure to enroll
How it works
Estimate your debt
Tap a button and share roughly what you owe.
Get your free evaluation
See if you qualify and what a program could look like.
Decide
Enroll only if it makes sense. No obligation.
Quick questions
Does it cost anything to check?
No. The evaluation is free, and there are no upfront fees if you enroll. Fees apply only after a debt is settled.
What debt qualifies?
Generally unsecured debt like credit cards, medical bills and certain personal loans. Mortgages and auto loans typically don’t.
Will it affect my credit?
It can. Debt settlement may negatively affect your credit, and results vary.
Will I be contacted?
Yes, a debt specialist may reach out by phone, email or text. You can opt out any time.
Bottom line: checking is free
Start your no-obligation evaluation in a few minutes.
Get My Free EvaluationNo upfront fees, no obligationThis is a paid advertisement. The Modern Memo may be compensated when you click or sign up. This site is independent and is not owned by or affiliated with Freedom Debt Relief, your creditors or any government agency. Freedom Debt Relief is a trademark of its owner.
Debt relief programs are not available in all states. Not all debts are eligible, and not everyone qualifies. Results, savings and program length vary and are not guaranteed. Debt settlement may negatively affect your credit, creditors may continue collection efforts, and forgiven debt may be taxable. Fees apply once a debt is settled. Submitting your information may result in contact from Freedom Debt Relief and its partners by phone, email or text. Read all program terms before enrolling.
