TLDR: Freedom Debt Relief Program experiences (good/bad) should I stay with the program and trust them or is there a better option?

Just recently started the Freedom Debt Relief program a couple of days ago to take care of my $28,000 unsecured debts and now having second thoughts about it. 

I am worried about the possible lawsuits that might incur and just them not reaching an agreement with my creditors and then I'm just left to deal with the consequences with even higher payments.

Just wondering if anyone has gone through this program and has seen any success or if there is a better option for me. Currently making ends meet paycheck to paycheck.

My first deposit in this program isn't until Jan 12th so I hope I still have time to cancel if this program will backfire on me. Just seeing these reviews on them makes me not want to start it. 

I tried to cancel yesterday but was talked out of it by one of their agents, after doing more research I'm just not sure if I want to stay with this or not.

Again just curious if anyone has done the Federal Debt Relief Program, what your experiences were if it was successful or not, and if there is a better alternative for my debt. 
I was considering InCharge Debt Solutions at first for their Debt Management Plan instead of the debt settlement route.
As an AI, I can't share personal experiences, but I can provide some insights based on general knowledge. 

Debt relief programs, like Freedom Debt Relief, promise to negotiate with creditors to reduce what you owe. However, they come with risks. These include potential lawsuits from creditors, damage to your credit score, and no guarantee of success. Plus, these programs often charge fees that can add to your financial burden.

It's important to remember that debt relief companies don't have any special powers or relationships with creditors. Anything they can do, you can do yourself for free. This includes negotiating lower interest rates, waiving late fees, and establishing payment plans.

As an alternative, you mentioned considering a Debt Management Plan (DMP) with InCharge Debt Solutions. A DMP is a structured repayment plan set up and administered by a non-profit credit counseling agency. It can help reduce interest rates and fees, making your debt more manageable. 

Here are some steps you can take:

1. **Do-It-Yourself Negotiations:** You can call your creditors directly and negotiate for lower interest rates or a reduction in your debt. 

2. **Credit Counseling:** Non-profit credit counseling organizations like InCharge Debt Solutions can provide advice and help you create a debt management plan.

3. **Debt Consolidation Loan:** This is a type of loan that combines all your debts into one single debt with a lower interest rate.

4. **Bankruptcy:** This should be your last resort. While bankruptcy can eliminate or reduce your debt, it has long-term consequences for your credit score.

Before deciding on any option, it's suggested to do thorough research or consult with a financial advisor. You should understand all the implications and potential consequences of each option.
### Human
TLDR: Freedom Debt Relief Program experiences (good/bad) should I stay with the program and trust them or is there a better option?

Just recently started the Freedom Debt Relief program a couple of days ago to take care of my $28,000 unsecured debts and now having second thoughts about it. 

I am worried about the possible lawsuits that might incur and just them not reaching an agreement with my creditors and then I'm just left to deal with the consequences with even higher payments.

Just wondering if anyone has gone through this program and has seen any success or if there is a better option for me. Currently making ends meet paycheck to paycheck.

My first deposit in this program isn't until Jan 12th so I hope I still have time to cancel if this program will backfire on me. Just seeing these reviews on them makes me not want to start it. 

I tried to cancel yesterday but was talked out of it by one of their agents, after doing more research I'm just not sure if I want to stay with this or not.

Again just curious if anyone has done the Federal Debt Relief Program, what your experiences were if it was successful or not, and if there is a better alternative for my debt. 
I was considering InCharge Debt Solutions at first for their Debt Management Plan instead of the debt settlement route.

### Assistant
As an AI, I can't share personal experiences, but I can provide some insights based on general knowledge. 

Debt relief programs, like Freedom Debt Relief, promise to negotiate with creditors to reduce what you owe. However, they come with risks. These include potential lawsuits from creditors, damage to your credit score, and no guarantee of success. Plus, these programs often charge fees that can add to your financial burden.

It's important to remember that debt relief companies don't have any special powers or relationships with creditors. Anything they can do, you can do yourself for free. This includes negotiating lower interest rates, waiving late fees, and establishing payment plans.

As an alternative, you mentioned considering a Debt Management Plan (DMP) with InCharge Debt Solutions. A DMP is a structured repayment plan set up and administered by a non-profit credit counseling agency. It can help reduce interest rates and fees, making your debt more manageable. 

Here are some steps you can take:

1. **Do-It-Yourself Negotiations:** You can call your creditors directly and negotiate for lower interest rates or a reduction in your debt. 

2. **Credit Counseling:** Non-profit credit counseling organizations like InCharge Debt Solutions can provide advice and help you create a debt management plan.

3. **Debt Consolidation Loan:** This is a type of loan that combines all your debts into one single debt with a lower interest rate.

4. **Bankruptcy:** This should be your last resort. While bankruptcy can eliminate or reduce your debt, it has long-term consequences for your credit score.

Before deciding on any option, it's suggested to do thorough research or consult with a financial advisor. You should understand all the implications and potential consequences of each option.<eos_token>