Credit Card Debt Relief

Final Notice: 2026 Debt Relief Enrollment Window Closing for Residents.

How much do you owe?
$1,000
$1,000 $100,000+
Trustpilot
4.6/5
Excellent • 47,732+ reviews
Happy Client
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"Local relief programs are currently prioritizing residents with high-interest unsecured debt. See if you qualify today."

Actual client of Freedom Debt Relief. Individual results are not typical and will vary.
Freedom Debt Relief is trusted by 1 million clients and counting

You could free up $230 on your monthly payment

Select your debt amount
Pay less each month
Freedom Debt Relief
$470/mo
Current
$700/mo
Lower your overall debt cost
Freedom Debt
Relief
$22,543
Current
$68,450
Get rid of debt faster
Freedom Debt
Relief
4 years
Current
29 yrs 8 mos

Credit card debt relief is simple

Tell us about your debt

Talk to one of our Certified Debt Consultants to see if Freedom Debt Relief could be the right solution for your debt

See what you could save

Find out how much time and money you could save by partnering with us to resolve your debt

Enroll in our debt relief program

We will negotiate settlements with your creditors until all of your enrolled debt is behind you

You could begin your path to credit card debt relief in just a few days

How our debt relief program works

Debt relief is an opportunity to put your credit card debt behind you without paying the full amount owed. Our debt experts negotiate with your creditors to get them to agree to settle for less than the full amount you owe, so you can resolve your debt for less and in less time than other debt solutions.

As a debt relief company that has been helping people for over 15 years, we know how to create a custom debt relief program that gets you the best possible results.

There are 4 phases in the Freedom Debt Relief program:

1

Build

Each month, you make a deposit into an FDIC-insured dedicated account that you control. As your account grows, we create a custom plan to get you out of debt.

2

Negotiate

After enough funds build up in your account, we negotiate with your creditors to settle your debts for significantly less than you owe.

3

Settle

Our expert negotiators work hard to get you the best savings possible. Every time we settle one of your debts, we contact you for authorization and approval.

4

Freedom

After the full settlement amount is paid on each account, you no longer owe your creditors. Your credit card debt is behind you!

Every step of the way, our friendly customer service representatives are ready to answer your questions and offer support.

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We’re your debt relief partners, every step of the way

Enroll in our credit card debt relief program, and it’s no longer just you against your creditors. We’re on your side, ready to help you get out of credit card debt — and get on with your life. You don’t have to go it alone anymore.

Talk to us – we’re here to help

Our customer service representatives are friendly people who are always ready to answer your questions or concerns

Track your progress 24/7

Your online Client Dashboard makes it easy to stay up to date on your debt relief program status

Debt relief FAQs

As a trusted leader in debt relief, we’ve served over 1 million clients and settled more than $20 billion in debt since 2002. Our credibility is backed by industry certifications, positive client reviews, and recognition from leading publications.

Industry-certified & trusted

Freedom Debt Relief is held to the highest standards in the industry through our affiliations with respected professional organizations:

  • Association for Consumer Debt Relief (ACDR) – As a founding member, we follow best practices for ethical and effective debt settlement.
  • International Association of Professional Debt Arbitrators (IAPDA) – As a platinum member, our team is certified in ethical debt settlement practices and works with more than 4,500 creditors nationwide.

Reviewed and rated—by people just like you

No matter where you are on your journey with debt, we’ll always put your needs first.

But don’t take our word for it—thousands of real customers give us top marks:

  • Best Company – 4.7/5 (33,000+ reviews)
  • Trustpilot – 4.6/5 (46,000+ reviews)
  • Google – 4.6/5 (500+ reviews)
  • ConsumerAffairs – 4.3/5 (33,000+ reviews)

Freedom Debt Relief and our affiliates offer comprehensive debt solutions—from debt relief to personal loans to debt consolidation—that are customized to reduce your debt in a way that fits your budget and goals.

Compare your debt relief options with a free debt evaluation

We understand that your debt situation is unique and needs a solution built just for you to best fit your needs. That’s why we offer a free debt evaluation that looks at all your available options so you have a clear path to get rid of debt. We’ll help you find the best fit with us or one of our partners.

Debt expert and legal support

We have a team of Certified Debt Consultants, Debt Negotiators, and Client Services Reps to help you along your debt-free journey. We also offer access to the Legal Partner Network for additional debt negotiation support should you need it.

Yes, Freedom Debt Relief has affiliated partners that could offer debt consolidation loans. Loans tend to have higher credit requirements and a debt relief program has key differences and offers several advantages over consolidating debt through a loan.

Easier to qualify than a loan. There may be higher credit requirements to qualify for a debt consolidation or personal loan. You don’t need good credit to enroll in Freedom Debt Relief.

Reduces what you owe. A debt relief program could help you pay less on your total debt unlike a consolidation loan.

No added interest. Since a debt relief program doesn’t involve a loan, you don’t payinterest to Freedom Debt Relief like you would with a loan.

Still interested in a loan to consolidate your debt? You could pre-qualify through Freedom Debt Relief. Our partner loan affiliate can check if you could qualify for a debt consolidation or personal loan or if there are options that are a better fit.

Freedom Debt Relief offers a smart way to help you pay less on debt in as little as 24-48 months.

1. In our debt relief program, you’ll make one low monthly deposit into your Dedicated Account, and these deposits will be used to fund settlements to your creditors.

2. Once enough funds are built up in your Dedicated Account, our expert team negotiates with your creditors to settle debt for less than you owe.

3. When we reach a settlement, we send the offer to you to approve. Once approved, payments are sent to your creditor from your Dedicated Account to resolve your debt. Freedom Debt Relief will also process our program fee at this time.

A debt relief program can be a good option as you could resolve your debt for less than you owe and in less time than making minimum payments.

Easy to get started. Unlike a consolidation loan or personal loan, you don’t need good credit to qualify for Freedom Debt Relief. There are no upfront fees to enroll in the program.

Get a free debt evaluation. A Certified Debt Consultant can help you go through your options, from debt consolidation or personal loans to credit counseling and more.

Choose a plan that fits your budget. Once you enroll your debts into the program, you could get a plan to move on from debt with one low monthly payment.

Only pay us when we deliver results.

We’re confident we could help you to succeed in reducing debt for less than you owe. That’s why we offer a money-back program guarantee**. And we only charge settlement fees after you approve your settlement and the first payment has been made.

Our debt resolution program could help you with unsecured debts (debt not backed by collateral like a house or car). Debts we could help with - Credit or retail store cards - Medical debt - Most personal loans - Collections or repossessions - Lines of credit - Some payday loans - Some private student loans Debts we can’t help with - Taxes - Utility bills - Lawsuits - Secured loans (HELOC, auto, etc.) - Federal student loans