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Old 02-25-2016, 02:23 PM
 
Location: Central NY
4,689 posts, read 3,258,145 times
Reputation: 12022

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I have spoken with a representative of Freedom Debt Relief (American Fair Credit Advocate). He said he can help me with my credit card debt under hardship program. I am a skeptic at times and wonder if anyone has heard of this. He said they are FTC and BBB approved and I will look into that. But I would like to know if any of you have had any experience or knowledge of them.

Thank you.
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Old 02-25-2016, 02:55 PM
 
Location: Out there somewhere...a traveling man.
39,578 posts, read 47,812,904 times
Reputation: 110476
They seem to have a good reputation and rave reviews.
You can google them and see many sites with info about them. https://www.google.com/webhp?sourcei...om+Debt+Relief

Here's just one: https://en.wikipedia.org/wiki/Freedom_Debt_Relief
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Old 02-26-2016, 04:34 AM
 
Location: Floyd Co, VA
3,416 posts, read 5,143,738 times
Reputation: 7231
Please read this article before making any decisions to go forward with this or any other for profit debt relief service. Contact one of the non-profit credit counseling services to learn what's what with this means of dealing with the issue.

Freedom Debt Relief Review - Consumer Reports
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Old 02-26-2016, 06:10 AM
 
Location: Northern IL
241 posts, read 227,114 times
Reputation: 481
No personal experience but a family member did. The family member could have done the same thing, contacting creditors, as the article points out above.

One has to ask, where are they making thier money.
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Old 02-26-2016, 06:15 AM
 
Location: Central NY
4,689 posts, read 3,258,145 times
Reputation: 12022
Quote:
Originally Posted by jack_pine View Post
No personal experience but a family member did. The family member could have done the same thing, contacting creditors, as the article points out above.

One has to ask, where are they making thier money.

They make their money from the people they "help."

After reading all of the posts, I have not made up my mind definitely one way or the other.

I want to contact NY attorney general.
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Old 02-26-2016, 10:10 AM
 
6,312 posts, read 4,757,627 times
Reputation: 12945
I seems that you have done due diligence already. Maybe it is time to act without more delays. As I remember you already tried to work out deals with the creditors and got no where. If this agency can get hardship reductions, consolidate loans at lower rates, then waiting just costs you more. They should be able to work out a definite payment plan and offer before you make any commitment.
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