Quick Facts
Full Review
Achieve is what Freedom Financial Network became in 2022. If you've been researching debt relief and keep seeing both names, that's why. The company consolidated its various products (including Freedom Debt Relief) under the Achieve brand, headquartered in Tempe, Arizona.
So when you look at Achieve, you're really looking at 20+ years of experience and the infrastructure that served over one million Freedom Debt Relief customers. That's a meaningful foundation, even under a new brand name.
How Their Program Works
Achieve's debt resolution program follows the same model as Freedom Debt Relief: consultation, enroll unsecured debts, monthly deposits, negotiated settlements. Fees are 15% to 25% of enrolled debt, charged after settlements. The minimum is $7,500.
What Achieve adds to the mix is a broader product set. Beyond settlement, they offer personal loans and home equity products. The idea is that if settlement isn't the best fit, they can offer alternatives without sending you to a different company. Whether that's genuinely helpful or feels like an upsell depends on your experience and the consultant you work with.
The Brand Confusion Factor
Because Achieve is relatively new as a consumer-facing brand, its review profile is still thin compared to Freedom Debt Relief's massive catalog. You'll find Achieve reviews building on Trustpilot and other platforms, but if you want to see the full picture, look at Freedom Debt Relief reviews alongside Achieve's since the underlying program is the same.
Who Should Consider Achieve
Achieve makes sense for people who want access to multiple debt relief products from a single provider. The 20+ years of experience through Freedom Financial Network is real, and the $7,500 minimum is more accessible than many competitors. Just be aware that you might need to dig into Freedom Debt Relief's history to get a full picture of the company's track record.
Pros and Cons
Pros
- Inherits 20+ years of experience from Freedom Financial Network
- Multiple debt relief products (settlement, loans, home equity)
- Same infrastructure that served 1 million+ Freedom customers
- $7,500 minimum is lower than many competitors
- No fees until settlements are completed
Cons
- Achieve-specific reviews are still limited in volume
- Brand confusion with Freedom Debt Relief can be frustrating
- Multi-product approach may feel like upselling during consultation
- BBB rating under the Achieve brand not independently verified
Where to Read More
Read reviews on: Trustpilot, ConsumerAffairs