Sent: Wednesday, September 01, 2010 8:15 AM
To: Contactus
Subject: RE: 463114

Thank you very much. Your program helped me out a lot! I will recommend you all to anyone else who needs it.

Hello!

I’m R. Emert Sr and have been a client with Freedom since January 19, 2006. I had over 8 credit cards, many maxed and have been on your program since. My records show I have just two cards left to pay with approx. $1806 of debt left. I have come a long way and it seems my last payment of $609 will be October 30, 2010!

I can’t thank you guys/gals enough for getting the monthly interest rate dropped low enough so I may pay these cards off. After all, I charged on them and I feel better paying these companies back and still feel they made a nice profit interest wise to make money off me to boot. Avoided bankruptcy completely.

It has been a long haul but light at the end of the tunnel is now brighter than ever. Thanks again for being an upright honest company and paying my bills and making me adhere to the payment schedule. If you ever need someone to do a commercial for your services, I’d do it for free in a New York minute!

R.Emert Sr
Client # 44XXX
Peoria, IL.

Sent: Friday, August 20, 2010 3:28 PM
To: Heather Gimmy
Subject: I have made my decision to go with the program....

Hi Heather,

I received the agreement by email and will be faxing it back later today (probably after hours your time, though) with the signed voided check and ACH authorization and copies of all recent statements as well. I just needed to do the math on my own one more time and it clearly makes sense to move ahead.

Thank you for being so professional, comprehensive and clear earlier. I will call you Monday morning as planned at 9:30AM EST, 6:30AM PST just to check in and make sure all has been received, is being processed and is on track.

Thanks again,

C. MIller, California

Sent: Tuesday, August 17, 2010 1:03 PM
To: Richard J. Budryk
Subject: testimonial

Dear Richard,

I want to write this letter to thank you so much for all you having been doing for my husband and me. You have been a god send to us, I am so thankful I picked up the phone the first time you called and talked to me. Richard you are intelligent, kind-hearted man that made me feel at ease and that genuinely wanted to help my family. You always return e-mail and phone calls promptly which I find that more places don't. You are a great person and great counsel and Freedom Debt is lucky to have such a great man working for him.

As I stated to you on the phone I would recommend you to anyone. And with my medical problems you have been so understanding and caring it is so nice to have people who understand what financial stress can do to a person and you help ease the stress.

Thank you Richard for everything. You are a great man and George and I are so thankful for all you have done.

Mr. Mrs. Kim

Michael,

I would like to start this letter by letting you know how pleased I are with the help and service that Freedom Debt Management has provided throughout the duration of my account. I recently finished paying off my Credit Card debt through your program, with the help and support of your credit counselors, and what a great feeling it is to have accomplished such a daunting task.

FDM worked with my creditors to lower my monthly payment(s) and let me decide the time of the month to make my payment so that it was less stressful financially for me to achieve my goal of erasing my Credit Card Debt, not to mention the automatic payments from my checking account made it so there was no worry about making the payment on time.

Your orginizatin provided me with the springboard to start getting back on my feet financially and let me turn my concern to my husband's health instead of burden of overwhelming debt that was piling up. As anyone who has gone through financial problems will attest to it is extremely stressful and you made it much easier to get a hold of things. As I was going through the program, knowing that there was light at the end of the tunnel lifted some weight off my shoulders, especially during these financially challenging times.

When I would contact FDM asking for an account history and balance I was treated courteously and would receive the confirmation email and documentation as promised. As an account was paid off i would receive a confirmation email congratulating me on becoming one step closer to my goal. Your credit counselors have been helpful with all my questions and all of my concerns throughout the process.

I can't thank you enough for the outstanding service you have provided and I would highly recommend your organization to anyone anytime. In fact my husband has started the process of setting up an account with your organization in order to help get his medical bills under control.

Michael, again thank you to you and all the counselors at Freedom Debt Management for the help that you provide to everyone that is trying to get back on track. Knowing what it is like to feel like there is no way out and that there is no hope of every being free of all the stress that debt creates in ones life I can say honestly say that what you all do helps restore sanity and, I am sure, has even helped keep relationships and marriages from being destroyed.

Sent: Monday, August 09, 2010 10:47 AM To: Heather Gimmy Subject: Re: FDM Courtesy Reply

Good Morning Heather,

I've had a better nights sleep over the weekend just knowing I am taking steps to help myself to get through this very rough debt that my husband and I have incurred. There was a time when we both worked and just simply purchased any thing we wanted whenever we wanted and now that we are both retired with our savings depleted etc, our lives have just changed.

I wasn't able to get a line of credit because I have to much debt and that would have allowed me to pay off my debt and help to make only one payment instead of five minimums that get me nowhere. I realize that closing all my credit cards is a hardship but it is the only way to keep our self healthy and with peace in our minds. We do not want to get sick with worry all the time.

Thank you for your great counseling.

Sincerely Elizabeth P.

Sent: Friday, August 06, 2010 7:50 PM
To: Michael Brazier
Subject: Fwd: Richard Budryk

Dear Mr. Brazier,

Early this week with a very nervous mindset, I made the call to Freedom Debt for some help. Here I am, an Elementary School teacher in Ct. and I am in a credit card mess! My husband Frank had gotten very sick a few years ago and the bills just started piling up. I had gotten worse and worse and I knew I had to take charge and make the call. On the other end of the phone was an intelligent, kind-hearted man that made me feel at ease and that genuinely wanted to help us. He made the whole process painless and made me feel like there was hope in getting out from under. Richard returned my calls promptly and also e-mails. He never got impatient and was happy to answer any questions. He was totally professional, yet personable. I know you must have "rules" to follow in dealing with clients but I strongly feel that Richard Budryk goes way above and beyond normal customer service. His own wonderful personality shines through and it was a pleasure dealing with him. I will recommend your company and specifically Richard Budryk to other people in need. I don't think that I have ever taken the time to write a letter like this before. I am asking that Richard be recognized in some special way for his excellence.

Thank you for your time.

Sincerely, Ruth E.

Sent: Wednesday, August 04, 2010 5:35 PM
To: Michael Brazier
Subject: RE: FreedomDM

Dear Michael Brazier,

My wife and I have been enrolled in your program since 2004. Our last account was recently paid off, what a great feeling. We thank you very much for all your help you have provided us. Once we started your program all calls from creditors stopped. What a relief knowing all of our bills were paid each month by you and no late payments were made, and we only made one payment to you. When we started with your company we were delinquent with a couple of accounts, and with your help were able to stop further legal action. Again thank you for all your help.

Cordially,

Mr & Mrs Peterson
Laurel, MT

3rd May, 2010
Dear Richard,

YOU ROCK!!!

When first contacting you in March of 2009, we were facing (almost) certain foreclosure (the new “f” word) from our home of thirteen years. At that time, we were “down to the wire”, due to the fact that Countrywide, our mortgage holder, had neglected to mention this to us. We had, additionally, been working with the St. Petersburg Neighborhood Housing Services (talk about useless!).

On Tuesday, March 24th, 2009, a gentleman came to our door to request permission to view the property, as it had been listed as a foreclosure sale item on Saturday, March 28th, 2009. Upon contacting our Rep. at the St. Petersburg Neighborhood Housing Services, his emailed reply was “At this time, I would inform you to find alternative housing. It appears that you have run out of time. Let me know if I can answer any other questions. I am sorry to inform you.” My only (polite) question I could muster was “when had you planned on telling me?” My thought is researching the word REP-tile and finding a photograph of him.

Dealing with Countrywide (now known as BAC Homeloans) has been arduous –– a series of ups, downs and downs, but, largely due to your recommendations/advice, we finally have a repayment schedule suitable for both parties.

Thank You! Thank You! Thank You! We are unable to thank you enough and have been singing your praises to anyone who will listen (and a few who will not). Preferring (as we often do) face-to-face meetings, the thought of working with someone “way over there”, was (a tad) disturbing, but you soon put our fears to rest.

Thanks again, Richard, for your sound advice. It has been a pleasure working with you and hope to actually meet you in person.

Regards, The Simons

Verification Fdm Application
Richard, Your follow-up is amazing ! I can't thank you enough on what a terrific job you are doing in regards to alleviating my financial situation. :) Warmest Regards Kellie
- KELLIE – VISTA

Hello Richard
I just wanted to thank you from the bottom of my heart for helping me in such a hard time. When I was going through lots of tention, you gave me the support I was looking for. I was very pleased the way you followed up with all the information. You are a good person. Thanks for everything you have done for me.
- SANJEEV – SONOMA

awesome
The services was amazing. Thanks for everything.
- Mike - West Palm Beach

This has been long and hard. With out you guys, I wonder how far I would have made it.
Thank you again.
- Patrick - Houston, TX

I want to tell you that working with you and your company is so great. All of you are very professional under all circumstances, even when I am loosing it. Someone does always get back to me and I feel so confident that you run a very successful operation there.
- Jamie S – Naples

A Weight Has Been Lifted
I would like to thank you for helping me and giving me advice on what I should do to be qualified for the program. I see the light at the end of the tunnel. I feel like a weight has been lifted and this debt will be paid off. Thank you again!
- Carolyne - WILLINGBORO NJ

Last Payment!
Hello Customer Service; Let me start be expressing how this experience with you has been a blessing. Without your help and great customer service I don’t think I could have made this hardship successful. This month will be my last payment with Bank of America.
- Leticia – California

Customer Service
I have been using this service for some time and needed them to send out some information for me. With a quick and easy call I was able to get what needed without any difficulty. The customer service was top notch, above and beyond what I expected. Matt W
- Matt – Charlotte

Wonderful experience
I am writing to thank all the staff at Freedom Debt for helping us set up a plan to get us debt free. They went above and beyond when they notice something out of sorts they contacted us in a timely manner. I would recommend then to others who are having a hard time in todays worlds to meet day to days needs without going under. Thanks Again!
- Debbie – Fountain

thank you
Thank you very much!! I really appreciate everything that you did to help me in any ways, especially the letter that u just did very appropriate and pleaseant for what i need. I have no complaints what so ever since i enrolled in your company, God Bless you all!!!!always clarissa
- CLARISSA BOBIS – BLOOMFIELD

Thanks!
I want to thank you for your excellent service during my five year contract with you. Every time I called or emailed you I received a quick professional response. I have a real feeling of accomplishment and loved seeing my improved FICO credit score. Thank you for all of your help - I will recommend your services in the future. I hope to return to the Financial Services industry in the near future. Sincerely, Liz
- Liz - San Bruno CA

thank you very much.!
It has been so much better for me to do business with freedom debt. i appreciate your help, and generosity in my tight financial position.
- michael - SKANEATELES, NY