Rate and Review

Total Debt Freedom – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.


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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • Got sued multiple times since I enrolled! Their fees are way too high and the other fee which is to be for a paralegal was never used. Keep your money or go elsewhere!

  • I am a client of Total Debt Freedom and having read the comments, they do tell you that you are going to get calls that they cannot stop, I have gotten sued and before going to court my rep settled it with the law firm. She is a great person who cares about her clients and is always available to help in any way possible. I have always felt reassured after speaking with her. Unfortunately she may not be with them much longer……

    Mrs. M

  • I have first dealt with Total Debt Freedom just a couple months ago, they are misleading.  The information that they provide is full of crap.  They advised me that they will deal with all the creditors and I should get no phone calls.  After 2 weeks in I was getting harassed by creditors and told me not that they did not receive any documentation from them.  I recently left them and decided to use another compnay that has helped me very much, they have actually settled 2 out of my 6 debts that I have.  What I suggest is do your homework first, anyone can post reviews and happy clients like how total debt freedom is, if you find it hard to believe than most likely it is.  Rigth now i am about 1 year left in my program and i have received any phone calls or letters thanks to Global Debt Freedom, highly reccomended as they actually care about there customers

    •  I am currently looking and researching for a debt settlement company, and I have seen other reviews but you give a strong review for Global Debt Freedom, are they good, are they better than Total Debt Freedom

      • Hmmm, I checked out Global Debt Freedom that H. Somwaru mentioned and globaldebtfreedom.com was registered in August 2011. They obvioulsy have been a business a very short time and the domain was registered by a person in California. Also I could not find a BBB report on the company.

        Domain name: GLOBALDEBTFREEDOM.COMRegistrant Contact:      dan theodoridis ()      Fax:    350 Red maple rd   richmond hill, P l4c0t5   CAAdministrative Contact:       theodoridis ([email protected])   +1.6479817035   Fax: +1.5555555555   350 Red maple rd   richmond hill, P l4c0t5   CA

        • I also checked out Global Debt Freedom, they actually are in Canada and not in the California like how you said. Not too sure where you got the info but this is what I got.

          Registrant Contact:
          Global Debt Freedom
          Dan Theodoridis ()

          600-15 Allstate Parkway
          Markham, Ontario L3R 5B4

          CA stands for Canada not California as what the address shows the
          company is based out in Markham , Ontario in Canada

          I have decided to use there services after leaving Cambridge Life Solutions with being with them for over a year they haven’t done anything for me, so I went with Global Debt Freedom and after 1 month 2 out of my 5 debts have been negotiated and paid. totally recommend them. globaldebtfreedom.com

          A friend went with them also where they were able to refinance there property and reduce there debts when no one else will touch them into refinancing.

          I don’t believe in BBB as you can see Total debt Freedom has a lot of complaints on here but on BBB they don’t, why would that be? Don’t always believe what you read, you just need to ask a lot of questions before joining

          • that was from looking at the “who is” information. Looks like the contact information was recently updated but it still shows the domain was registered: Creation date: 11 Aug 2011 23:47:00

            I think I’ll pass dealing with a company that has been in operation for a year for a company that has been around a lot longer.

          • For me its a comfort, I have spoken to 2 others agencies and they wanted fees up front within 3-6 months, other company too many bad reviews, actually after speaking with Global Debt Freedom, its was low payments, and also there fees are low also too as most companies will charge you anywhere between 20% to 26% which they are a lot lower. They have been in business for over 1 year almost 2 years now and there are no complaints about them at all on the internet, which for me that is what I look for when hiring a company is there fees, interest, payments, complaints, not at how long they have been in business, any business can operate longer than another business is that how someone will determine if they do business with that organization or the quality and fees. I have been with them for almost 3 months and a happy customer

          • There is no such thing as “payments” in a debt settlement programs. The lower the payments the worse it is. The goal is to raise as much money as fast as you can, not draw out the settlements over a longer period of time with low payments. That will just increase the likelihood of a lawsuit.

            In business less than two years is nowhere near a long enough track record since none of their clients are even in a position where they would likely complain yet. But I bet if and when they start getting sued (which will likely happen if this company is quoting low payment 3 and 4 year settlement programs) you will start to see those complaints, but just not yet.

            I wish you luck

          • When i talk about payments its about there monthly fees and to get out of debt, as to my understanding Global Debt Freedom mostly deals with people that have sources where they can source the funds, or by refinancing property. They were very straight forward, advised of being sued and how it will effect the credit bureau and what to do after and during the program to start re building credit

          • I recently spoke with a debt consultant at Global Debt Freedom, and they advised me right away of what could happen with my creditors, and credit. When I first spoke to Total Debt Freedom they did not advise me of the terms and possible lawsuits. Global Debt Freedom advised me the best way to get out of debt. Apparently they help Canadian consumers you have the sources to get the funds or where they can refinance. Global Debt Freedom rarely deals with people that have to go into a program for more than 1 year as even though after 6 months creditors can sue. There is a lot of companies out there that charge more than 20% in fees, when they are actually the lowest, and will tell you how to reestablish my credit right away. Thank You Global Debt Freedom, I strongly recommend them as I consolidated my debt with them was debt free in 3 months and now my payments are lower than what I was currently paying and possibly would of had a judgement and lien on my property but they were able to speak to the lawyers and save my house. Thank You globaldebtfreedom.com will definitely recommend you to others

        • I also did a search for Global Debt Freedom and actually found a BBB report, I will try them out and see what they are about

          Global Debt Freedom

          Phone: (905) 695-1370Fax: (888) 908-8067View Additional Phone Numbers600 – 15 Allstate Parkway, Markham, ON L3R 5B4 Send email to Global Debt Freedomhttp://www.globaldebtfreedom.com

          0 complaints closed with BBB in last 3 years | 0 closed in last 12 months

    • lucky for you, I was given advise if they creditors tried to sue me, TDF told me they would go back to them and let them know I would be claiming bankruptcy..thanks TDF I can do that on my own and will be suing for all the money you’ve taken from me…looking up under Ontario Ministry of Consumer Services..know your rights before

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