Debt Relief review · Updated October 2026

Freedom Debt Relief Review (2026)

One of the largest debt settlement companies.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

Among the longest-running and largest settlement companies. On our debt relief comparison, it's labeled Most experience.

Key facts

Founded	2002
Minimum debt	$7,500
Fees	15–25% plus monthly fee
Accreditation	AFCC

What stands out

Founded in 2002
Minimum enrolled debt of $7,500
AFCC member

Pros and cons

Pros

Decades of experience
Large scale

Cons

Available in about 31 states

How Freedom Debt Relief compares

Side-by-side comparison

	NDNational Debt Relief	FDFreedom Debt Relief	ADAccredited Debt Relief
Trustpilot rating	4.7 Trustpilot · 45,141 reviews	4.5 Trustpilot · 51,148 reviews	4.8 Trustpilot · 12,152 reviews
Founded	2009	2002	2011
Minimum debt	$7,500	$7,500	$10,000
Fees	15–25% of enrolled debt	15–25% plus monthly fee	15–25% of enrolled debt
Accreditation	AADR	AFCC	AFCC, AADR
	Visit site	Visit site	Visit site

Head-to-head comparisons

Alternatives to consider

National Debt Relief review · Best overall
Accredited Debt Relief review · Best for larger balances

What to check before you sign up

Whichever debt relief provider you choose, compare these points:

Consolidation, counseling or settlement. Consolidation replaces debts with one loan. Counseling sets up a payment plan. Settlement negotiates balances down.
How the company is paid. Under federal rules, settlement companies may not charge fees until they settle at least one of your debts.
Effect on your credit. Settlement usually lowers your score. Consolidation and counseling plans are generally gentler if you stay current.
Forgiven debt. Forgiven balances can count as taxable income. Ask how the program handles this before you enroll.

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