Freedom Debt Relief

Freedom Debt Relief Debt relief powered by AI and backed by personalized support. We help you resolve debt, restore cash flow, and go from financial stress to stability.

Our mission is to help you improve your financial well-being through a compassionate, people-first approach. We consult with you to educate you on your debt solutions, recommend appropriate options, and help you resolve your debt for less than you owe as quickly as possible. We are your number one advocate, committed to helping you create a brighter financial future. Freedom Debt Relief is a credi

t counseling service headquartered in San Mateo, California. Founded in 2002, they offer services to U.S. consumers struggling with unsecured debt, such as credit card bills, personal loans, and medical expenses. It operates as one of the largest and longest-running debt resolution providers in the United States. Freedom Debt Relief is a trusted financial services provider based in San Mateo. Founded in 2002, Freedom Debt Relief has grown to be the largest debt settlement company in the nation, employing more than 2,000 professionals dedicated to helping consumers overcome debt and regain financial stability. The company operates from its headquarters at 1875 S Grant St Ste 300, San Mateo, CA 94402, within The Crossroads San Mateo business center. Freedom Debt Relief is BBB-accredited with an A+ rating, reflecting its long-standing commitment to ethical business practices and customer satisfaction. The company’s core services focus on debt negotiation and settlement. Freedom Debt Relief’s primary service is debt settlement, which involves negotiating with creditors to reduce the total amount owed by the client. The process begins with a free consultation to assess the client’s financial situation and determine eligibility for the program. If enrolled, clients deposit funds monthly into an FDIC-insured dedicated account they control. As savings accumulate, Freedom’s negotiators work directly with creditors to secure settlements for less than the full balance. Clients approve each settlement before payments are made, and the process continues until all enrolled debts are resolved.

06/03/2026

Debt settlement program qualification in Massachusetts has nothing to do with credit score.

That assumption keeps Massachusetts stuck paying minimums that barely touch the principal.

Hardship is what qualifies a member, not credit. Program payments are designed to be lower than current minimums, and Freedom Debt Relief charges no fees until a settlement is negotiated, approved, and the first payment is made.

Over 1 million members served. $22 billion+ resolved.

06/01/2026

Wondering how to get rid of credit card debt when the minimum payment barely dents the balance?

Millions of Americans are stuck in the same loop, and one of the most overlooked first moves costs nothing but a phone call.

The article in the pinned comment breaks down why this small ask can change the math.

05/31/2026

Figuring out how to get out of credit card debt starts with how you spend before the trip. Two moves before you book can save real money, one on the flight, one on every meal you eat there.

Freedom Debt Relief host May Chiu walks through all four rules in the video. After 23+ years and $22B+ resolved across 1M+ members, the pattern is consistent, the trips that don't end in debt had a plan going in.

Send this to your travel buddy before the next one.

05/29/2026

Tennessee debt relief options include consolidation, but here's what most miss. Consolidation rolls multiple credit card balances into a single payment.

It doesn't reduce what's owed. With strong credit and steady income, it can lower interest. Without those, balances often climb back.

Freedom Debt Relief works with Tennesseans through 700 debt consultants to find the Tennessee debt relief path that actually fits.

Be kinder to yourself today. The person next to you in line is probably carrying the exact same stress. 🫂
05/28/2026

Be kinder to yourself today. The person next to you in line is probably carrying the exact same stress. 🫂

05/27/2026

A debt relief program is a real path forward when minimum payments stop making a dent. Here's what month one looks like.

You put one payment into a dedicated account instead of chasing five creditors. The middle stretch takes patience. Balances can hold before they drop. By months 6 to 12, negotiations land and balances finally move down.

Freedom Debt Relief has resolved $22B+ for over 1M members. We bring the roadmap.

05/27/2026

Tennessee debt relief through settlement works on a counterintuitive truth: creditors will often accept less than the full balance owed.

Why? A guaranteed partial payment beats the risk of nothing if payments fall further behind. That's the leverage settlement creates.

Freedom Debt Relief has resolved $22 billion+ across 4,500+ creditor relationships and charges no fees until a settlement is negotiated and approved.

05/25/2026

A debt relief program shouldn't mean putting your life on hold. Wedding invites, graduation parties, group trips. Summer 2026 is coming whether your balance is ready or not.

At Freedom Debt Relief, program payments are designed to be lower than your current minimums.

That means less going to debt each month and more cash flow for the moments that matter. Drop a ☀️ if you're saying yes to summer this year.

Learn more at https://bit.ly/4v9DxCJ

05/24/2026

Debt isn't a character flaw. Here's what actually causes debt for most people seeking debt relief:

🏥Medical emergencies.
📉Job loss or income gaps.
💳 Interest rates nobody explained.

Freedom Debt Relief has resolved $22B+ for over 1M members in 23+ years of helping people break the cycle. There's a real path forward.

👇 See pinned comment for next step.

05/23/2026

Heads up on a scam still making the rounds: the 'tax debt compromise program' phone call. The IRS does have a real program by that name, the Offer in Compromise. But the IRS does not call about it. They send letters.

Anyone demanding payment today, by gift card or wire transfer, is not the IRS.

We have spent 23+ years earning trust the slow way: paperwork, transparency, A+ BBB rating, 4.6 on Trustpilot. Real help never sounds like a countdown clock.

Address

San Mateo, CA

Opening Hours

Monday 5am - 8pm
Tuesday 5am - 8pm
Wednesday 5am - 8pm
Thursday 5am - 8pm
Friday 5am - 8pm
Saturday 6am - 6pm
Sunday 6am - 6pm

Telephone

+18009100065

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