Credit Card Debt Resolution

the person would have faced a long, 15-year journey to pay off their debt. However, by using "Freedom," they can reduce this timeframe dramatically to only 3 years.

Get credit card debt relief from America’s top debt relief company

Choose your debt amount

amount

What state do you live in?

Country

Let’s get to know you

Your personal information is used to confirm your identity. Your data is secure.

First Name

Last Name

Phone *

Email Address *

By providing your phone number above, and clicking on ‘click to see your results’ below, you are consenting to receive calls, texts, and recorded messages in the manner described below.

or Talk to a Certified Debt Consultant 800-910-0065

Credit Card Debt Resolution

the person would have faced a long, 15-year journey to pay off their debt. However, by using "Freedom," they can reduce this timeframe dramatically to only 3 years.

Get credit card debt relief from America’s top debt relief company

Choose your debt amount

amount

What state do you live in?

Country

Let’s get to know you

Your personal information is used to confirm your identity. Your data is secure.

First Name

Last Name

Phone *

Email Address *

By providing your phone number above, and clicking on ‘click to see your results’ below, you are consenting to receive calls, texts, and recorded messages in the manner described below.

or Talk to a Certified Debt Consultant 800-910-0065

Freedom debt relief is trusted by 1 million clients and counting

Getting help with credit card debt is easy.

Let us know about your debt

Speak with one of our certified debt experts to find out if Freedom Debt Relief is the right choice for you.

Discover your savings

Discover how much time and money you can save by working with us to resolve your debt.

Join our debt relief program

We’ll work with your creditors to settle your debt until everything you owe is cleared.

Start your journey 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 four phrases

1 Build

Every month, you contribute to an FDIC-insured account that you control. As your balance grows, we build a personalized plan to help you eliminate

2 Negotiate

Once sufficient funds are in your account, we handle negotiations with your creditors to reduce your debts considerably.

3 Settle

Our expert team works diligently to get you the maximum savings. Each time we settle a debt, we contact you for your authorization

4 Freedom

Once the full settlement is paid on each account, your debt to creditors is cleared. Your credit card debt is officially behind you!

Every step of the way, our friendly customer service representatives are ready to answer your questions and offer support. Complete our simple online form to get started today.

As featured in

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

Is Debt Relief trustworthy?

As a trusted leader in debt settlements in America, we’re proud to help Americans like you get rid of debt and get back to their lives. Since 2002, Debt Relief has served over 1 million Americans and settled over $18 billion in debt.

Industry recognized and certified

AADR leader. As a member of the American Association for Debt Resolution (AADR), Debt Relief is held to the highest standards in the debt settlement industry.

IAPDA certified. We’re a platinum member of the International Association of Professional Debt Arbitrators (IAPDA) and our certified team works with over 3,500 creditors.

Don’t just take our word for it. Explore our customer reviews

We’re most proud when our customers share their experience with Freedom Debt Relief and how we’ve helped them with their debt. We’ve earned recognition and awards through our excellent customer service and commitment to transparency. Read more client reviews & testimonials.

Consumer Affairs - average rating of 4.5/5, based on 32,000+ reviews

Best Experience with Staff - Debt Settlement (2024) - ConsumerAffairs

Best Customer Service - Debt Settlement (2024) - ConsumerAffairs

Best for Transparency - Debt Settlement (2024) - Consumer Affairs

TrustPilot rating of 4.6/5, based on 43,000+ reviews

Best Company rating of 4.8/5, based on 17,000+ reviews

A+ rating on Better Business Bureau

Featured in Yahoo! Finance, USA Today, MSN, Motley Fool, CNBC

What services do you offer to help reduce debt?

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.

See more information about why clients choose us to help them put debt behind them.

Does Debt Relief provide debt consolidation loans?

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.

How does a debt relief program operate?

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.

Learn more about how debt relief works to help you get rid of debt.

Is debt relief an affordable option, and am I eligible to qualify?

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.

What types of debt can I include in a debt relief program?

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

Still not sure if your debt is eligible for Freedom Debt Relief? We’ll help you figure it out : Call 800-910-0065.

Have more questions? Call us now: 800-910-0065

Privacy policy | Terms of Use | California Privacy | Privacy Notice

* 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. C.P.D. Reg. No. T.S.12-03825.

** This guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, we’ll use 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.

Credit Card Debt Resolution

the person would have faced a long, 15-year journey to pay off their debt. However, by using "Freedom," they can reduce this timeframe dramatically to only 3 years.

Get credit card debt relief from America’s top debt relief company

or Talk to a Certified Debt Consultant 800-910-0065

Credit Card Debt Resolution

the person would have faced a long, 15-year journey to pay off their debt. However, by using "Freedom," they can reduce this timeframe dramatically to only 3 years.

Get credit card debt relief from America’s top debt relief company

or Talk to a Certified Debt Consultant 800-910-0065

Freedom debt relief is trusted by 1 million clients and counting

Getting help with credit card debt is easy.

Let us know about your debt

Speak with one of our certified debt experts to find out if Freedom Debt Relief is the right choice for you.

Discover your savings

Discover how much time and money you can save by working with us to resolve your debt.

Join our debt relief program

We’ll work with your creditors to settle your debt until everything you owe is cleared.

Start your journey to credit card debt relief in just a few days.

How our debt relief program works

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 four phrases

1

Build

Every month, you contribute to an FDIC-insured account that you control. As your balance grows, we build a personalized plan to help you eliminate

2

Negotiate

Once sufficient funds are in your account, we handle negotiations with your creditors to reduce your debts considerably.

3

Settle

Our expert team works diligently to get you the maximum savings. Each time we settle a debt, we contact you for your authorization

4

Freedom

Once the full settlement is paid on each account, your debt to creditors is cleared. Your credit card debt is officially behind you!

Every step of the way, our friendly customer service representatives are ready to answer your questions and offer support. Complete our simple online form to get started today.

As featured in

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

Is Debt Relief trustworthy?

What services do you offer to help reduce debt?

Does Debt Relief provide debt consolidation loans?

How does a debt relief program operate?

Is debt relief an affordable option, and am I eligible to qualify?

What types of debt can I include in a debt relief program?

Have more questions? Call us now: 800-910-0065

Have more questions? Call us now: 800-910-0065

Privacy policy | Terms of Use | California Privacy | Privacy Notice

© 2025. All rights reserved.

** This guarantee takes effect when you graduate the program—or even if you leave before graduating. When you exit the program, we’ll use 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.