Take back control of your debt
Freedom Debt Consultants helps everyday people reduce what they owe on credit cards, medical bills, and personal loans — with one affordable monthly payment and real humans negotiating on your behalf.
100% FREE initial consultation
A+
Accredited rating
45%
Average savings before fees*
120K+
Clients supported
4.9★
Average client review
How it works
Four steps between you and a debt-free life
Free consultation
A certified consultant reviews your balances, income, and goals — no cost, no obligation, no credit impact to ask.
Your custom plan
We build a program around one affordable monthly deposit into an account you own and control.
We negotiate
Our negotiators work directly with your creditors to settle enrolled accounts for less than the full balance.
You get free
Accounts are resolved one by one, typically over 18 to 48 months, until you finish the program debt-free.
Our services
Relief programs built around your situation
Credit card debt relief
High-interest revolving balances are our specialty — the accounts where settlement usually creates the biggest reduction.
Medical bill resolution
Unexpected medical debt is negotiable. We work with providers and collection agencies to lower what you owe.
Personal & payday loans
Unsecured personal loans and high-rate short-term loans can often be consolidated into one program payment.
Small business debt
Personal guarantees and business credit lines reviewed by consultants who understand owner-operator cash flow.
Collections & judgments
We help you understand your rights and handle aggressive collectors so the calls stop being your problem.
Budget & credit coaching
Every client gets guidance on rebuilding after the program so the debt does not come back.
Estimate
How much could you save?
Move the slider to your approximate unsecured debt balance (credit cards, personal loans, medical bills) to see an illustrative comparison.
Estimated savings before fees
$12,600
Illustration only. Estimates assume a typical 24–48 month program and do not account for individual circumstances, creditor participation, credit impact, or tax consequences. Results vary and are not guaranteed.
Client stories
Real people, real relief
“I was making minimum payments on five cards and getting nowhere. One call, one plan, and within a year three accounts were already settled.”
Enrolled debt
$41,300
Saved*
51%
“They explained the trade-offs honestly instead of promising miracles. My monthly payment dropped to something I could actually afford.”
Enrolled debt
$18,750
Saved*
46%
“After my husband passed, the medical bills buried me. My consultant took the collector calls off my plate. That alone was worth it.”
Enrolled debt
$32,900
Saved*
44%
Get started
Talk to a consultant today
Tell us a little about your situation and a certified debt consultant will call you back with a clear, honest read on your options — including whether our program is the right fit.
- ✓Free, no-obligation review
- ✓No upfront fees — ever
- ✓One affordable monthly payment
- ✓Support in English and Spanish