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Overview - Freedom Debt Relief

Freedom Debt Relief’s prime objective is obliterating your debt. No, it’s not another loan to stack on top of your existing debt. Instead, its skilled debt counselors evaluate your debt and find the best solution for eliminating it as quickly as possible.

How does Freedom Debt Relief work? Keep reading to find out.

What Does Freedom Debt Relief Do?

First, let’s clear the air about what Freedom Debt Relief is not. It isn’t a debt-consolidation company that rolls all your debts into one larger loan. That said, Freedom Debt Relief does work with clients who have rolled their existing debt into a consolidation loan to lower their payments.

Now, let’s talk about what Freedom Debt Relief does. It is a debt-relief company that specializes in negotiating with your creditors and find ways to reduce the amount you owe quickly. Once it lowers the amount you owe, it makes a one-time payment to eliminate the balance.

How Does Freedom Debt Relief Work?

The process for Freedom Debt Relief’s program is straightforward. There are four large steps – evaluation, customization, action and freedom – and smaller steps within each one. The steps are as follows:

  1. Evaluation
    1. You sign up for a free evaluation.
    2. You speak with a certified debt consultant.
    3. Debt consultant decides if the program would be right for you.
  2. Customization
    1. Debt consultant puts together a plan to lower your monthly payments on unsecured debt.
      1. The plan will show a monthly payment you will have to make to get your debt in control.
    2. You and the debt consultant work together to tweak the plan to fit your needs.
  3. Action
    1. You begin making monthly payments into an FDIC-insured account that you control.
      1. This account gives Freedom Debt Relief the ability to negotiate with creditors using cash on hand.
    2. Freedom Debt Relief consultants create a negotiation plan with your creditors as the account grows.
    3. Freedom Debt Relief begins negotiating with each creditor once the account reaches a target balance.
      1. Consultants work with multiple creditors at once so they can use other creditors’ settlement offers as a tool against creditors that are less willing to negotiate.
    4. Once the consultants reach a favorable settlement, they will contact you for authorization.
  4. Freedom
    1. Once the final settlement is reached and paid, all your accounts will be marked as settled in full, settled, paid, paid by settlement or settled for less than the full amount.
    2. Enjoy being free of your debt.

Can Freedom Debt Relief Fix All Debt?

Unfortunately, there is some debt that just cannot be negotiated, and that is generally secured debt, like mortgages and auto loans. Freedom debt relief also cannot negotiate federal student loans. Unsecured debt, however, is generally open game for Freedom Debt Relief, but you generally must have at least $7,500 in unsecured debt to qualify for its program. The types of debt Freedom Debt Relief can help you settle include:

  • Credit card debt
  • Department store cars
  • Personal loans
  • Payday loans
  • Medical bills
  • Private student loans (on a case-by-case basis)

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