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Make Money Problems a Thing of the Past!

Freedom Debt Relief is a consumer debt reduction service that uses debt negotiation and debt settlement to dramatically reduce your debt and let you move on with your life. The following are some reasons why you should let Freedom Debt Relief help you get out of debt: ONE LOW MONTHLY PAYMENT We customize a program for our clients with a monthly payment that fits within your budget. This monthly amount is frequently as low as half as much as your current monthly payments. After enrolling in Freedom Debt Relief’s program, your life becomes very simple. All you have to do is set-aside this affordable amount each month into a savings account you control. We handle the rest.

MINIMIZE CREDITOR CALLS Once you enroll in the program, our first priority is to minimize creditor harassment. We utilize several techniques to reduce the headache and annoyance of hassling creditors.

SETTLE YOUR DEBTS As you save money, we negotiate with your creditors. Debts can be reduced to as low as 40-50% of what you owe. For example, if you owe $10,000 to your creditors, we could save you as much as $6,000! After each settlement, you will receive a 'Good News Letter' containing legal proof that you owe your creditors no more money.

BECOME DEBT FREE In as little as 12-30 months you could be debt free and enjoying financial freedom!

FDR'S MONEY-BACK GUARANTEE Do not pay any service fees unless we save you money!

AFTER THE PROGRAM If you are interested in credit repair, purchasing a home or automobile, or any related financial services product, Freedom can help put you in touch with one of our many affiliates who work with our graduates.

Call us for a free consultation at 800-544-7211 or visit our website at www.freedomdebtrelief.com “Freedom Debt Relief helped me get rid of my high interest rate credit card debt and put me on the road to recovery. Now I am starting my own business and buying a home. Thanks Freedom Debt Relief!” Katherine W. Small Business Owner


There are several alternatives available for people who have debt problems. Freedom Debt Relief strongly believes that its DEBT REDUCTION PROGRAM is the BEST OPTION AVAILABLE for any consumer who cannot pay his or her debts. But we will provide an overview of your alternatives to let you decide:

DEBT CONSOLIDATION Unfortunately, a Debt Consolidation Loan is one of the most common solutions people think of when they fall into financial difficulties. This is a problem because most people who obtain a debt consolidation loan find themselves in much deeper financial trouble than they were in to begin with. A debt consolidation loan will not reduce the amount you owe. You will still have to pay back 100% of the loan plus interest. The interest rate may be lower than before, but this is because debt consolidation loans are secured loans, and this is a HUGE PROBLEM. Once you sign up for a consolidation loan, you have just gone from an unsecured debt to a secured debt and have put your personal assets (e.g. your car or home) at risk. Now if you can’t pay your bills, your creditors can come and take your property away from you.

CONSUMER CREDIT COUNSELING (CCC) The main problem with CCC organizations is that they are not working for you, they are WORKING FOR THE CREDIT CARD COMPANIES. This may seem unbelievable, but it is true. Most CCC agencies are alleged non-profit organizations that claim to be independent. But in fact, these non-profits are funded and supported by the very people you owe money to – the credit card companies! That is why CCC companies do not negotiate your debts down. They merely try to come up with a plan to make sure you keep paying your credit card bills. In addition, many large CCC companies have been the subject of major lawsuits, and the IRS has recently stopped granting non-profit status to credit counseling firms. At FDR, we receive no payments from your creditors, so our incentives are perfectly aligned with yours - saving you the most money. This allows us to (i) lower your monthly payments; (ii) put you on a shorter program; and (iii) save you the maximum amount of money.

BANKRUPTCY Bankruptcy is a way to potentially get out of your debts. Unfortunately, it leaves a long lasting scar, and comes at a high price financially, emotionally, and socially. It can be a long and painful process and the repercussions can last for over a decade. The financial impact is severe; a bankruptcy will stay on your credit report for 10 years. Every time you apply for credit, whether it is a home, a car, a lease, or insurance, you could be impacted. The long-term effect of higher rates can greatly outweigh the shorter-term impact of filing bankruptcy. Additionally, most people do not realize that bankruptcy can stay on their court records for up to 20 years - which means it can follow someone for the rest of his/her life. If you apply for a job, a loan, rent an apartment, or even insurance, your bankruptcy filing could be easily uncovered. What's more, with the new bankruptcy reform bill, it has become much more difficult to declare Chapter 7 bankruptcy. If you are considering bankruptcy, you should think about contacting a lawyer to discuss this option.

DO NOTHING Sadly, this is the choice for millions of Americans who are struggling with their debts. Most of these people keep doing whatever they can to continue making minimum payments for the rest of their lives. This is a no win situation. If you keep making your minimum payments, you will be paying mostly interest and will remain in debt for as long as 20-30 years. And if you can’t keep making the payments, the creditors will start calling. If you continue to ignore their calls, you can end up with judgments and garnished wages as well as liens against your property.

"Freedom's Settlement Team has gone above and beyond to get the creditors off my back and reduce the amount I owe. They even got one of my debts entirely eliminated." Andrew FDR Client


FDR'S SOLUTION - NEGOTIATED DEBT SETTLEMENT FDR's "Debt Reduction Program" is custom tailored to find the optimal solution to lower your monthly payments, help you deal with your creditors, and reduce your debts fast. Typically, we negotiate your balances down to about 50% LESS than what you owe. For example, through our debt reduction program, if you owe $30,000 to your creditors, we may be able to reduce your debts by over $15,000. Sound too good to be true? Call us to find out if you can qualify, and exactly what your savings estimate is at 800-544-7211. Even better than simply saving money is the fact that your accounts will be settled in full....meaning you no longer have any of your original debt outstanding. If being debt free in as little as 2.5 years (or faster in some cases) for less than half of what you owe -- with a monthly payment that fits your budget -- sounds good to you, give one of our debt consultants a call to discuss your specific situation.

COMPARISON CHART The following chart compares what you could potentially pay and how long it could take you to become debt-free, depending on which option you choose. This chart represents the results for a typical client with $20,000 in debt. Actual results may vary depending on your specific situation.

Debt Debt Payout Payout $80,000 $80,000 $70,000 $70,000

$68,000 $68,000

$60,000 $60,000 $50,000 $50,000 $40,000 $40,000 $28,000 $28,000 $30,000 $30,000 $20,000 $20,000

$11,000 $11,000

$10,000 $10,000 $0 $0

Minimum MinimumPayments Payments

Credit Credit Counseling Counseling

Freedom FreedomDebt Debt Relief Relief

"I just wanted to tell you that I am so grateful for the kindness and professionalism shown to us by everyone at Freedom. We were at the end of our ropes after my husband lost his position....we could not afford our debt load. I can't tell you how grateful we are that we have found someone who really cares about us." Paulette B. FDR Client


FREQUENTY ASKED QUESTIONS: Which Debts can be Included in the Program? We can accept most types of unsecured debt. This includes credit cards, department store cards, personal loans, medical bills, and accounts with collection agencies. It is required that you include all of these debts in the program. We cannot work with auto loans, mortgages, student loans, child support, and alimony debts. Our sister company Freedom Tax Relief can help reduce outstanding tax obligations.

How Long does it take to be Debt Free? Our average client will be debt free in just 12–30 months. The time it takes to clear your debts is mainly dependent on your own financial situation. The more you can save each month, the faster you can pay your debts and be debt free. Some people are able to become completely debt free in just 8–12 months! Every situation is different and we will be happy to discuss this with you during your free phone consultation.

How much does FDR Charge? FDR charges 15% of the total debt that you enroll in the program. With settlements as low as 40%, this means that when it is all said and done, your savings could be as much as 45 cents on the dollar, including our fees. It is important to remember that we are working for you and not your creditors, so we can save you the most possible money.

How does FDR Reduce my Debt? Our settlements are made through a series of negotiations with the creditors to arrange for your debts to be reduced by substantial amounts. Since we represent thousands of clients and hundreds of millions of dollars of consumer debt, we can leverage our expertise and scale to get the best deal for each and every one of our clients. Typically, we arrange settlements for around 40-50 cents on the dollar.

Who is Eligible for the Program? In general, we work with individuals who are in a state of financial hardship. A “hardship” is broadly defined and could be any number of financially damaging events, including loss of employment or reduced income, a divorce, severe medical bills, or a variety of other circumstances that cause someone to accumulate too much debt and lead to an inability to pay his/her bills.

Can I keep my Credit Cards? In general, you must include all unsecured debt over $1,000 in our program. All of your cards that we are negotiating must be closed for the program to work. In addition, you cannot apply for further credit or use credit while on the program. The goal of the program is to get you completely out of debt.

Does it Work? We help thousands of people get out of debt every single day! You could be next -- call us for your free consultation to see how much you can save.

Call us for a free consultation at 800-544-7211 or visit our website at www.freedomdebtrelief.com

"Thank You FDR for taking care of our debt problems for us. We are really happy you are working with us. It relieves a lot of stress knowing someone is looking out for our best interest. Jessica D. FDR Client


Freedom Debt Relief - Overview and Frequently asked questions