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.

Sincerly,
Steve

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.


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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.

35 Comments

  • was told to ignore phone calls and letters from collection agencies. creditors will not settle unless you have enough money for a lump some payment. FALSE. found this out when collection agency cleaned out my bank account and could not pay morgage. tried to contact my rep. via e-mail – no response. tried again-no response. called TDF told my rep was away for the day. told tbhis person what had transpired and was told to contact the collection agency myself to see if I could resolve the issue. collection agency told me they had not been cantacted about my financial difficulties and I they had been they could have worked something out. contact all my creditors and was tlsd the same thing. I dealt with the proplem and was able to work out an arrangement that included some money down and a payment plan to pay the rest with my creditors. it has been a month and still have not heard from TDF. I would suggest that you try things yourself first before going to anybody.

    • If I try to negotiate with my creditors for 35 cents on the dollar will they agree to it.Can you advise me on some pointers I should take care of before I pick up the phone

      • Most of the creditors are happy to do with you without the involvement of trustee or debt agencies because they give them a cut.Is it true

          • It is a complete scam. They arranged a second mortgage for us that would allow them to settle all our debts. They assured us it would be enough and when it wasn’t they offered to get us more to cover the remaining $6000 owing. It took me two phone calls to negiotiate the two remaining cards and both said they had not been in any settlement talks with TDF. They conviently forgot to mention several additional fees and did not save us a single penny in the end. There huge fees, the settlements and the outrageous cost of the mortgage they set up cost us the exact same in the end but with a crummy credit rating. Do not believe anything they tell you and if you do go with them get EVERYTHING in writing because they will change it later.
            TJ

          • It is a complete scam. They arranged a second mortgage for us that would allow them to settle all our debts. They assured us it would be enough and when it wasn’t they offered to get us more to cover the remaining $6000 owing. It took me two phone calls to negiotiate the two remaining cards and both said they had not been in any settlement talks with TDF. They conviently forgot to mention several additional fees and did not save us a single penny in the end. There huge fees, the settlements and the outrageous cost of the mortgage they set up cost us the exact same in the end but with a crummy credit rating. Do not believe anything they tell you and if you do go with them get EVERYTHING in writing because they will change it later.
            TJ

          • I am currently employed by a brokerage company here in the South West our company had purchased the now required $75,000.00 BMC-84 BOND which truck brokers are now required to carry by FMCSA. My superior has and obviously will have a long and hard road ahead with this company if inract it is TDF FINANCIAL INC. out of Tiftin,CA looking at this and many more complaints on several other web sites I am convinced this company TDF is a careless and sketchy company , I sat in my office for 6 hours listening to my supervisor go back and forth with these women who he couldn’t distinguish one from another as not a single one out of 3 employees I assume from TDF could answer his questions directly without turning it into a argument they were claiming he hadn’t paid his monthly and initial payment for services in which he clearly had prof from his bank statement and then charged him an additional fee for administrational fee’s in which was never discussed or written on his contract TDF claiming it was a verbal agreement for the fee’s and verbal agreement for the withdraw of extra fees’ without consent form him ,this was all brought about by a carrier who complained about his settlement not being received within 30 days of invoice however the complaint went into TDF as our bond holder and they immediately canceled his bond. anyone working in the brokerage business knows without the bond you cannot operate the bond is their to inform the broker and help resolve any issues that arise not cancel at the first site of trouble . to make it short and simple they took his money for the initial set up them took again and if not approached with a carrier complaint we feel they would have continued to take. TDF FINACIAL IS A UNPROFESIANL AND DISRESPECTFUL COMPANY AND HAS NO REGARD TO OTHERS AND THE EFFORT AND TRUST THEY PUT INTO THOSE WHO PUT THEIR TRUST INTO …I advise anyone considering to use TDF to think twice unless you are used to drama.

          • No it’s not illegal.  depending on how much you owe to the collection agency, they should settle for a lower amount.  Let’s say you owe $2000 and you don’t have the cash but grandma suddenly gives you $1000.  You can tell them that you got a hold of $1000 and they will demand payment asap.  Do it and demand a settlement letter.  And there you go!  Cleared.

          • I forgot to mention to be strong. They will try to intimidate you but if $1000 is all you have…either they accept it or they don’t. 

    • I was told to ignore all calls too. Funny thi.g is when I advise my rep that these people are still
      calling despite the letters I sent out she just says call them back and threaten to report them
      for harassment to BCCPA. Well that is her job, that is part of the deal for their fee. So I am cancelling my contract and filing a complaint against TDF. I have been with them for almost two years and only one debt settled. I have been asking for more settlements and all I get is not yet.
      Well they are fired. Let them sue me cause I want the judge to hear how incompetent they are.
      I will do it myself which is what I should have done in The first place.

  • Debt collectors have a monthly quota that they’re pressured to fill each month so I believe that ‘debtors’ (as Collection Agents call them) have more fighting power/leverage to settle they’re own debt then they believe they do. Just saying….

  • Debt collectors have a monthly quota that they’re pressured to fill each month so I believe that ‘debtors’ (as Collection Agents call them) have more fighting power/leverage to settle they’re own debt then they believe they do. Just saying….

  • This company told lies about clients FCA’s Finaicial Capacity Assesments to banks and the client gets the bad end of the deal FACT. Here is another, your credit is not in “A” status like they tell you and if you don’t know that yet, well you will when you go to the bank for a mortgage FACT. But hold on we got more for you. Your credit card company will still take legal action against you as they do not care about this letter to leave the client alone and only deal with the debt settlelemt comapany FACT. I also found out they are always in litigation.

    • Not true as the FCA is followed by a paystub..paystub do not lie not certain where you got your information from…..

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