Credit Card Debt Relief Made Simple. Free no risk credit card debt relief consultation.

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The Process

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


What We Do

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 several different loan types available in the market. Here are a few you may encounter while considering options.

There are 4 phases in the our Debt Relief program:


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.


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


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.


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

Frequently Asked Questions

A: Debt relief typically works this way: you enroll your unsecured accounts into a debt relief program with a debt settlement company.
You stop making payments to your creditors. You and your debt consultant come up with an amount that you can afford, and you
put that money into a debt settlement savings account each month. Debt relief programs can help you get out of debt faster.

A: "Why would my creditors agree to settle my debt?" you might well ask. Creditors are not in business to lose money. They only agree to a debt relief program if they believe that other options will cost them more and that you can't afford to pay what you owe. Creditors are less likely to settle if you've made your payments and have a good credit score. They assume that you'd like to protect that score and that you can afford to do so.

However, if you start missing payments, it becomes obvious that you're having trouble paying what you owe. Creditors begin to fear that you might even walk away or file bankruptcy and pay nothing (or practically nothing). If a debt is older, your state's statute of limitations for debt could kick in and make your balance uncollectible. Once a creditor concludes that something is better than nothing, you have a good chance of settling your account.

A: Debt relief generally takes between two and four years, depending on the amount of enrolled debt, how fast you can save for debt settlement, and how much your creditors are willing to accept. A debt consultant can help you estimate your timeframe. In many cases, the first account can be settled in four-to-six months. Over time, debt relief programs can help you get out of debt that you can't afford.

A: Debt relief is not for loans secured by collateral, like mortgages or auto financing. If you stop paying secured creditors, they can foreclose on your
home or repossess your car. However, a debt relief program can work with unsecured creditors. Here are the most common types of unsecured
loans that you might be able to settle with debt relief:

Credit card debt
Unsecured personal loans
Medical bills

Frequently Asked Questions