Freedom Debt Relief vs Upsolve

Freedom Debt Relief

• ✓Largest debt settlement company in the U.S. with $18B+ in resolved debt
• ✓Performance-based fees — only charges after successfully settling each debt
• ✓Typically settles debts for 40-60% of the original balance
• ✓Accredited by AFCC and IAPDA with strong industry reputation
• ✓Free consultation to evaluate whether debt settlement is viable

Upsolve

• ✓Completely free Chapter 7 bankruptcy filing tool — no hidden fees
• ✓Step-by-step guidance makes filing without an attorney accessible
• ✓Over $600 million in debt discharged for users nationwide
• ✓Backed by Google.org and recognized by the American Bar Association
• ✓Extensive educational resources on bankruptcy law and debt relief

Freedom Debt Relief

• !Debt settlement can negatively impact credit scores during the program
• !Not all creditors agree to negotiate — some debts may not be settleable
• !Program typically takes 24-48 months to complete
• !Settled debt may be considered taxable income by the IRS

Upsolve

• !Only covers Chapter 7 bankruptcy — not available for Chapter 13 or Chapter 11
• !Income requirements apply — users must qualify under the means test
• !Not a substitute for legal advice in complex cases with significant assets
• !Available in most but not all U.S. states

Freedom Debt Relief

• →Person with $20,000+ in credit card debt who wants to avoid bankruptcy but can't keep up with minimum payments
• →Individual whose income is too high to qualify for Chapter 7 but who can't afford Chapter 13 payments
• →Consumer who wants to explore debt settlement as an alternative before committing to a bankruptcy filing

Upsolve

• →Low-income individual with mostly unsecured debt seeking to file Chapter 7 without hiring an attorney
• →Person overwhelmed by medical bills and credit card debt who qualifies for Chapter 7 under the means test
• →Family that cannot afford attorney fees but needs to stop wage garnishments and creditor harassment

Freedom Debt Relief

Freedom Debt Relief is the largest debt settlement company in the United States, having resolved over $18 billion in debt for more than 1 million clients since 2002. As a bankruptcy alternative, Freedom Debt Relief negotiates directly with creditors to reduce the total amount owed, typically achieving settlements of 40-60% of the original balance. The company works with clients who have $7,500 or more in unsecured debt and creates personalized debt resolution programs lasting 24-48 months. Freedom Debt Relief is accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators, and charges fees only after successfully settling each individual debt.

Upsolve

Upsolve is an award-winning nonprofit organization that provides a free web-based tool to help low-income Americans file Chapter 7 bankruptcy without an attorney. Founded in 2018, Upsolve has helped tens of thousands of families discharge over $600 million in debt. The platform walks users through the entire bankruptcy filing process with step-by-step guidance, automatically generates all required court forms, and provides educational resources about bankruptcy law. Upsolve has been recognized by organizations including Google.org, Y Combinator, and the American Bar Association for its innovative approach to access to justice.