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FAQs

Is the FDR Relief Program legit? ›

Is Freedom Debt Relief legit and can you get away with paying only a percentage of your debts just like that? FDR is a real company and its debt settlement program can save you real money. The catch is your credit report will catch fire. At least that's what it'll look like from a lender's point of view.

How Will Freedom Debt Relief Affect My Credit? Debt relief can negatively impact credit scores. That's because creditors typically won't negotiate with you or a third party until you miss payments. Payment history heavily influences credit scores, however, so late or missed payments can cause your score to drop.

Best for large debts: National Debt Relief

They earned an impressive 4.7-star Trustpilot rating (as of April 26, 2024) and an A+ with the BBB. National Debt Relief offers different plans tailored to your situation and the firm claims you can regain your financial footing within 24 to 48 months.

Freedom Debt Relief has a program guarantee: If your total settlement cost—the total of your debt payoff amount and fees—exceeds the amount of debt you initially enrolled, the company will refund you the difference, up to 100% of your fees.

Only unsecured debt can qualify for the Freedom Debt Relief Program. This means debt like credit cards, unsecured personal loans and medical bills. Debt that is secured such as a mortgage or an auto loan is not eligible. To qualify for the program, you should have at least $7,500 of unsecured debt.

Debt consolidation can negatively impact your credit score. Any debt consolidation method you use will have the creditor or lender pulling your credit score, leading to a hard inquiry on your credit report. This inquiry will decrease your credit score by a few points. However, this credit score decline is temporary.

The government doesn't offer debt consolidation loans, except in specific cases such as for federal student loans. These can offer certain benefits but may come with drawbacks, too, so it's important to consider federal student loan consolidation carefully.

Debt relief services may have a negative impact on your credit score, but that impact may not be as big as you think — and in some cases, it can help your credit. How these services impact your credit depends on the debt relief option you choose.

If you're one of the millions of Americans struggling to repay high-interest debt, a debt relief plan may be an option to help you get your finances on track. But it's not a quick fix. It's a long-term solution designed to help you get out of debt over a period of time — typically several years.

Who is the best debt consolidation company? ›

When it comes to credit card debt forgiveness, you may think there are government programs that help get rid of debt. Unfortunately, there is no such thing as a government-sponsored program for credit card debt relief.

Key Takeaways. There aren't any free government debt relief programs for credit card or personal loan debt other than bankruptcy. Many types of government debt relief exist in the form of grants and low-interest loans for specific purposes.

Roosevelt. The programs focused on what historians refer to as the "3 R's": relief for the unemployed and for the poor, recovery of the economy back to normal levels, and reform of the financial system to prevent a repeat depression.