Secured vs. Unsecured Debt Consolidation Loans
Dec 09, 2025
How to Consolidate Credit Card Debt: A Guide to Simplifying Payments
Dec 09, 2025
Medical Debt Consolidation: What It Is and How to Do It
Dec 09, 2025
Freedom Debt Relief specializes in unsecured debt and puts an emphasis on customer service. To start, you get a free personalized consultation to find out whether Freedom Debt Relief can help you with your debt. In addition, if you do choose to work with Freedom Debt Relief, you can get in touch with their support team 7 days a week. The company also offers an online dashboard where you can monitor your account and settlements.
Perhaps the biggest highlight of Freedom Debt Relief is their refund guarantee. The program guarantee means that if your total program cost and fees are more than the amount of debt you enroll, you can get a refund of the difference, up to 100% of collected fees. Limitations apply.
Freedom Debt Relief offers a free initial consultation to determine whether you are eligible for their program. If you do, you’ll deposit money into your account and Freedom Debt Relief will negotiate with lenders on your behalf to reduce the amount you owe.
Depending on your state, the company charge between 15% and 25% of the enrolled balance of the debt entered into the program and will not charge these fees until you authorize a settlement and the first payment has been made. While that might sound like a lot, remember that Freedom's program is designed to help you get rid of debt for less than you owe. The average person works with Freedom Debt Relief for 24-48 months.
Freedom offers complimentary tools and guidance to help customers succeed. This includes an online client dashboard with 24/7 access & control, ability to track progress, and chat with customer service 7 days/week. The dashboard also provides access to videos and articles to grow financial skills.
Recent research findings suggest that Freedom Debt Relief has been able to help customers reduce their debt amount. As the debt is resolved, this improves your financial situation and your credit score starts to recover.
The average debt amount decreased from $28,000 to $3,800 within a 45-month period. Freedom Debt Relief also found that as debt amount decreased, the client’s credit score improved:
.20210224103627.png)
Continual improvement of the client’s credit score even after graduating from Freedom Debt Relief’s program:
.20210224103646.png)
Freedom Debt Relief Highlights:
Freedom Debt Relief only works with unsecured debt. Types of debts that fall under this umbrella include unsecured personal loans, medical debt, credit card debt, and some types of private student debt.
Freedom Debt Relief’s online account portal is secured with SSL. The company also keeps client’s financial records encrypted on its servers.
Customer support is a key feature of Freedom Debt Relief. This company offers support 7 days a week by phone and email, and you have the option to speak with certified debt consultants. As a client, you can also log into your online account at any time to check your settlements and account status.
Phone:1-877-344-0046
Freedom Debt Relief, PO Box 2330, Phoenix, AZ 85002-2330
Freedom Debt Relief can help you reduce the amount you owe by negotiating with lenders on your behalf. This service emphasizes personalized support and offers access to customer support 7 days a week.
There is no upfront cost to consult with Freedom Debt Relief.
Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. The refund guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, Freedom Debt Relief uses the combined total of all the debts you enrolled and settled and the fees you paid to us to calculate your eligibility for a refund.
C.P.D. Reg. No. T.S.12-03825.
Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.