At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Freedom Debt Resolutions
Freedom Debt Resolutions focuses exclusively on business debt and merchant cash advance resolution — a niche that most consumer-oriented debt settlement firms refuse to touch. Founded in 2018 in New York, the company built its practice around the growing crisis of small business owners trapped in MCA stacking situations where daily ACH debits are draining operating accounts faster than revenue comes in. The company\'s core approach is negotiation-first. Their team contacts MCA funders and business creditors to restructure repayment terms, reduce outstanding balances, and in many cases consolidate multiple daily payments into a single manageable monthly payment. They report average savings of 40-60% on enrolled balances, though results vary significantly depending on the funder, the contract terms, and how far into default the business has progressed. Freedom Debt Resolutions handles merchant cash advances, business lines of credit, revenue-based financing, equipment financing debt, and business credit card balances. They require a minimum of $25,000 in qualifying business debt and work with businesses across all 50 states. Fees are performance-based, typically 20-28% of enrolled debt, charged only after successful settlements. The company has resolved over $180 million in business debt since launch.
Key Features
MCA-Specific Negotiation
Purpose-built negotiation strategies for merchant cash advances, including daily ACH payment reduction and balance restructuring with major MCA funders.
ACH Payment Relief
Works to pause or reduce daily ACH debits within the first 2-4 weeks of enrollment so your business can stabilize cash flow while negotiations proceed.
Business Debt Consolidation
Consolidates multiple MCA payments and business debt obligations into a single monthly payment aligned with your actual revenue cycle.
No Upfront Fees
Performance-based fee structure means you pay nothing until a debt has been successfully negotiated and settled on your behalf.
How It Works
Free Business Assessment
A debt specialist reviews all your MCA contracts, business debts, and daily payment obligations to map out the full picture.
Custom Resolution Plan
Your team builds a strategy based on which funders are most aggressive, which contracts have the weakest terms, and what your business can actually afford.
ACH Intervention
The team works to reduce or restructure daily ACH payments so your operating account stops hemorrhaging cash.
Negotiation & Settlement
Negotiators contact each funder and creditor individually to settle balances at reduced amounts, typically 40-60% of the original obligation.
Business Recovery
All enrolled debts resolved. Your business returns to stable operations without daily ACH drains.
What They Do
- MCA Settlement
- Business Debt Negotiation
- ACH Payment Relief
- Debt Consolidation
- Revenue-Based Financing Resolution
Debt Types They Take On
- Merchant Cash Advances
- Business Lines of Credit
- Revenue-Based Financing
- Equipment Financing
- Business Credit Cards
- Business Term Loans
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Restaurant Owner with Three Stacked MCAs
A restaurant owner in New Jersey had three stacked merchant cash advances totaling \$185,000 with combined daily ACH payments of \$1,400. Daily debits were exceeding daily revenue on slow days. Freedom Debt Resolutions negotiated all three funders down and consolidated payments into a single weekly amount.
Trucking Company Facing MCA Default
A trucking company with \$120,000 across two MCAs and a business line of credit was 30 days from default. Funders had already filed UCC liens and were threatening legal action. Freedom Debt Resolutions prioritized the most aggressive funder and settled that account first.
Pros & Cons
Pros
- Exclusive focus on MCA and business debt means the negotiation team understands funder-specific tactics and contract loopholes that generalist firms miss entirely
- ACH payment intervention within the first 2-4 weeks provides immediate cash flow relief while longer-term settlements are negotiated
- Performance-based fees of 20-28% are competitive for the business debt space where some firms charge 30%+ upfront
- Handles stacked MCA situations that most consumer debt settlement firms refuse to take on
- Over \$180 million in resolved business debt demonstrates meaningful volume and funder relationships
Cons
- \$25,000 minimum debt requirement excludes smaller business owners with lower MCA balances who still need help
- Founded in 2018, the company lacks the long track record of firms that have been operating for 15+ years — though the MCA relief industry itself is relatively young
- BBB B+ rating is lower than competitors with A or A+ ratings, suggesting some unresolved complaints worth investigating
- Does not provide legal representation — if a funder files a lawsuit, you will need to hire a separate attorney for litigation defense
- Results vary significantly by funder; some MCA companies are notoriously difficult to negotiate with regardless of who represents you
User Reviews (15)
good results but communication gaps
Settled \$95k in MCA debt for about \$45k. Great result. But there were weeks where I heard nothing and had to chase them for updates. When they did respond everything was professional and thorough. Just wish they'd proactively communicate more.
saved my restaurant from closing
Had three stacked MCAs draining \$1,200/day from my restaurant account. Freedom got the daily payments stopped in two weeks and settled all three for 55 cents on the dollar. My restaurant is still open because of them.
took way longer than quoted
Told 6-8 months. Took 13. One funder dragged their feet for 5 months before coming to the table. Freedom said this was unusual but from what I've read it happens more than they let on. Results were decent but manage your timeline expectations.
they actually know MCA contracts
Talked to three debt companies before Freedom. The other two clearly didn't understand MCAs vs regular debt. Freedom knew every funder by name, knew their typical settlement ranges, knew which ones fight and which ones fold. Night and day difference.
one funder refused to negotiate at all
Three MCAs. Two settled beautifully at 45% and 50%. The third funder absolutely refused to negotiate and we ended up paying nearly full balance on that one. Freedom was transparent about it but it still hurt seeing that one not budge.
ACH relief was immediate
The daily ACH withdrawals were killing us. Freedom intervened and within 18 days we had breathing room. That alone was worth the call. The settlements that followed were a bonus.
B+ BBB rating made me nervous
Enrolled anyway because they were the only ones who seemed to understand my situation. Results were fine. But the BBB rating is lower than I'd like and there are some unresolved complaints on their profile worth reading before you sign up.
resolved \$140k in 9 months
Two MCAs and a business line of credit totaling \$140k. All settled in 9 months. Paid about 48 cents on the dollar plus their fee. Still saved over \$40k net. Back to running my trucks instead of dodging funder calls.
fees are fair but not cheap
Paid 25% of enrolled debt as their fee. Standard for the industry but on \$200k in debt that's \$50k in fees. Net savings were still significant but make sure you factor in their cut when calculating your actual savings number.
stacked MCAs are their specialty
Four stacked MCAs. Everyone else said too complicated. Freedom took it on and worked through each funder one at a time. Took 14 months but every single one got resolved. Nobody else would even try.
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Important Business Debt Disclaimers
- Business debt negotiation and MCA defense services do not guarantee any specific outcome. Creditors and MCA funders are not required to negotiate, reduce balances, or modify repayment terms.
- Enrolling in a business debt relief program may result in continued collection actions, lawsuits, UCC lien enforcement, and bank account levies. No company can guarantee protection from legal action by creditors or MCA funders.
- If you stop making payments to creditors or MCA funders while enrolled in a debt resolution program, your business credit profile may be negatively affected. Late payments, defaults, and charge-offs may be reported to business credit bureaus.
- Business debt settlement fees typically range from 15% to 30% of the enrolled debt amount. Attorney-based programs may charge additional legal fees. Understand all fee structures before enrolling in any program.
- Merchant cash advances are not loans and may not be subject to state usury laws or federal lending regulations. Legal strategies for MCA defense vary significantly by state and depend on the specific contract terms.
- Forgiven or canceled business debt may be considered taxable income by the IRS. Consult a tax professional about potential tax consequences before enrolling in any debt settlement program.
- Zogby does not provide business debt relief, MCA defense, or legal services. We are an independent comparison service. We do not negotiate with creditors on your behalf or manage debt settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
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