Fifteen to twenty-five percent of enrolled debt at Freedom, and up to twenty-five percent at National. Here is Freedom Debt Relief against National Debt Relief in twenty twenty-six.
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Chapters
- 0:00 15–25% vs up to 25% fees, and neither publishes a minimum.
- 0:13 I. Side by side
- 0:40 II. Where the cost differs
- 1:04 III. What qualifies
- 1:17 IV. How a program runs
- 1:35 V. The lawsuit risk
- 1:50 VI. Other routes
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Full transcript
I. Side by side
Side by side, the two programs look much alike. Freedom publishes a fee of fifteen to twenty-five percent of enrolled debt, and National Debt Relief a fee of up to twenty-five percent. Neither publishes a minimum debt amount, and programs run twenty-four to forty-eight months. Neither charges upfront fees, which the FTC's Telemarketing Sales Rule prohibits.
II. Where the cost differs
The quoted percentage varies by state and enrolled balance at both, and it is charged only after a debt is settled and approved. The page puts the scale in dollars: a two-point fee difference on thirty thousand dollars of enrolled debt is six hundred dollars, often smaller than the difference between the firms' settlement estimates.
III. What qualifies
Both work with unsecured debt: credit cards, personal loans and medical bills. Secured debts, federal student loans and tax debt do not qualify at either.
IV. How a program runs
The mechanics are the same. Payments to enrolled creditors stop, and deposits go into a dedicated escrow account while accounts are settled one by one. The page says to expect collection calls and credit-score damage in the first year.
V. The lawsuit risk
Enrolled accounts stay in default until they are settled, no outcome is guaranteed, and creditors can sue. Both firms negotiate accounts that are sued, but neither can prevent litigation.
VI. Other routes
The page also describes other routes for people whose credit is largely intact: a nonprofit debt management plan with reduced rates, or a consolidation loan. The full comparison is free at Dreamy Leads Research. What state are you in, and what fee percentage did a settlement firm quote you? Tell us in the comments.
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