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The answer depends on what debt relief company you choose. As for Freedom Debt Relief, it has helped so many people with settling their debts.

It takes 12-36 months for you to settle your debt.

There are federal laws to protect you from collection harassment. But, the truth is that customers do experience some calls.

It is money that you borrow against your credit card limit. You will then need to pay back monthly over a set repayment term.

Yes. You need to have a minimum of $10,000 unsecured debt.

This program is designed to rid you of any debt you have. So, yes; you will be debt-free at the end of the program.

Yes, you can. You can also do your own taxes and car repairs, but you are advised to leave that to an expert.