Can I Add Speedy Cash Loans to My Freedom Debt Relief Account?


Dear Steve,

I’m 19k in debt and also have 3 accounts in Freedom Debt Relief program Plus I filed bankruptcy 7yrs ago. I just got a summons for a 10k debt from 5yrs ago Now I will get behind in my bills if I get sued for 10k. I’m scared. Can’t file Bankruptcy until Dec 2019 Speedy Cash title loan on my car, Rise loan, I was ok but now I’m screwed..I’m not behind yet but I will be once this suit goes through. Can lawyers buy old accounts after 5yrs & sue me?

My Question is Can I use Freedom Debt Relief to add the loans “Speedy Cash” Rise Credit to eliminate some of the debt? or they can sue me too?



Dear Nicole,

I almost passed by your question because you really need to ask Freedom Debt Relief what they will and won’t do. Hopefully, you feel comfortable with your contacts there and won’t hesitate to call them to ask specific questions about your account.

So I’d like to answer your question in a broader way than talk specifically about your specific account with Freedom Debt Relief.

Not all debt settlement companies deal with all debts. For example, Freedom Debt Relief says, “Freedom Debt Relief could help you with debt from credit cards, medical bills, department store cards, and many other types of unsecured debt. Our program cannot help with a debt that involves collateral (like auto loans and mortgages). Also, we cannot resolve federal student loans. We do help with private student loans on a case-by-case basis.” – Source

You will absolutely have to talk to Freedom Debt Relief if they view a title loan as a collateralized loan that they would not handle.

But the bigger issue here is you found a debt relief company to work with, in this case, Freedom Debt Relief. But you are a foot in and a foot out. You have some debts with Freedom Debt Relief and also $19,000 in additional debt. It appears you have no big picture solution for your total financial situation and attempting to deal with it in pieces.

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Since you are already with Freedom Debt Relief, I’d contact them to see if they can assist you with the debt you were just sued over. The only person who can give you a legal answer if the lawsuit is appropriate is a lawyer who is licensed in the state you live in. It might be the Statute of Limitations may be a defense to stop the suit or that the suit includes debt that cannot be validated and so it should be dismissed.

There are a lot of factors to consider.

Give Freedom Debt Relief a call and then come back here and post an update in the comments and let me know what they said and how they are going to help you with this. If they can’t then we can talk about options.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

5 thoughts on “Can I Add Speedy Cash Loans to My Freedom Debt Relief Account?”

  1. If the Car Title Loan falls behind, the car can be repossessed quickly and sold at auction. That is the leverage of the “title loan” company and they’ll use it – if the car is necessary for work and work is funding the other debt relief programs, keeping the car is paramount. Freedom may be able to add this “information” to your overall hardship and seek even better terms with existing creditors they are working with.


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