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I Signed Up With Freedom Debt Relief and it Feels Like the Wrong Choice Now. – Jim

Written by Steve Rhode

“Dear Steve,

i’m about $38,000 in credit card debt as a result of a divorce and an stupid lifestyle. I signed up with Freedom Debt Relief and after almost 4 months it feels like the wrong thing to do esp. after reading that some banks won’t deal with them and you end up in a bigger hole than what you started with. I’m 70 years old and have a steady income.

I signed up with a debt relief company and just recently read disparaging comments, horror stories, greater debt, class action lawsuits in a half a dozen state and a dark grey area of “what have i done now?”

Is it advisable to withdraw from the program?


Dear Jim,

I don’t know if it is advisable to withdraw from the program because I don’t know enough about your specific situation.

You say you are 70 years old and if you have saved all the money you need for retirement or have tremendous assets you need to protect, then it is possible a debt settlement program might be the right choice for you.

Has Freedom Debt Relief had some issues, yes. But if you look at nearly all big fee debt settlement companies that have been around for more than five years it would be darn near impossible to find one that doesn’t or hasn’t.

Those companies that were charging advance fees for their services, like Freedom Debt Relief was up to 2010, are the most likely companies to have run into trouble.

The Scott Law Group went after the most companies I think. You can see the list of companies here.

Please post your responses and follow-up messages to me on this in the comments section below.


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.

READ  Freedom Debt Relief Bragging About Being in Forbes. Not So Fast Fellas. Back the Bus Up.

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.


  • Thank you for the chance to respond. Debt settlement is an
    aggressive approach to dealing with unsecured debts that is not right for every
    situation. But for those who can stick with the monthly program payment,
    it is very effective. In our 10 years doing this, we have resolved over
    $2 billion in debt for our clients. And we strictly adhere to the
    FTC “Advance Fee Ban”, meaning we will only charge fees if we get results. We are proud to say that we recently earned
    an “A” rating with the BBB and we encourage our clients to stay engaged with us
    during their program so that we may answer any questions they have along the
    way. We have spoken with Jim, and believe we have answered all his
    questions, but please contact us at any time if there is anything else you need
    from us.

  • Steve….How did Freedom Debt Reliefknow i registered on your website? They called me asked that i write you and say everything is ok. Well, right now it is cos they have my money and have communicative with me and that’s satisfying for the moment but there is so much i don’t know and since i signed on i’m going to do a little wait and see. But so far so good. (and why is it that i got an avalanche of credit card and credit check offers almost immediately after signing up….and they knew i contacted you…..must monitor your site. wow)

    • Jim, when you say registered, I’m assuming you mean asked a question.

      FDR probably just looked in their database for people named Jim that had recently enrolled with about $38,000 of debt.

      I have no idea why you would have received an “avalanche” of credit offers after signing up with FDR.

      Glad to hear you’ve be reassured.

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