Freedom debt relief is a nation wide company that helps individuals understand the options that are available to them during this financial hardship. Not only they help families and individuals get on a budget, they help educate on important financial steps that are necessary and that are not necessary.
A creditor can call you at home, at work, on your cell, anywhere and anytime (the "anytime" must be within reason, such as NOT after 9pm. They can also call anyone you've listed as a reference or contact in order to locate you (although they are not allowed to divulge specifics of the debt they are calling regarding in order to malign you). However, the first time creditor calls at work, you merely need to tell them ONCE never to contact you at work again and then legally they cannot do so.
How to choose a reliable debt reduction assistance company/agency? There are as many agencies as the number of bad debt situations. In general, a debt settlement reviews your debts, determines the negotiations. You have sent them the regular payments (including their fees) for settlement of your debts. Ask them what more can they do that you can’t do for yourself?