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How to Settle Debt With Freedom Plus

George Simons | January 31, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Dealing with Freedom Plus? Verify your debt, assert your rights under the FDCPA, and negotiate a settlement to resolve it. Always get agreements in writing, and use Solo to streamline the settlement process.

Dealing with debt can be overwhelming, especially when trying to manage your money and talk to debt collectors. Whether you’re working on paying what you owe or figuring out if the debt is correct, it’s important to stay informed and take the right steps.

Freedom Plus collects debts and helps creditors recover their money, and handling the situation calmly can make things easier for you. Clear communication, knowing your financial limits, and having a plan can go a long way in resolving the issue. This article will help you get started in resolving your debt with Freedom Plus.

Settle debt with Freedom Plus

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Freedom Plus?

Freedom Plus, now known as Achieve Personal Loans, is a financial services provider that focuses on helping individuals manage their debt and secure personal loans for various needs. On its website, it shows a commitment to offering debt consolidation and financial assistance. Achieve Personal Loans also aims to simplify loan repayment for consumers. Their contact information is as follows:

  • Phone Number: (800) 920-0045
  • Main Office: 1875 S Grant Street, Ste 400, San Mateo, California 94402
  • Address: 2114 E Freedom Way, Tempe, AZ 85281
  • Mailing Address: PO Box 2340, Phoenix, AZ 85002-2340
  • Website: https://www.achieve.com/

Who does Freedom Plus collect for?

Achieve Personal Loans (formerly Freedom Plus) not only helps clients with debt consolidation but also assists in collecting debts for their products and on behalf of other creditors. Below is a list of companies that they may collect for:

  • Credit card companies
  • Medical providers
  • Auto lenders
  • Student loan servicers
  • Retail stores
  • Financing companies

These companies trust Freedom Plus to manage and recover outstanding debts from consumers. Their debt collection services are designed to ensure that clients can settle overdue payments, often through flexible repayment plans.

Read Freedom Plus reviews online.

Before continuing your interactions with Freedom Plus, it’s a good idea to research reviews and feedback from other consumers. Keep in mind that reviews can vary, so look for balanced feedback to get a better understanding of what to expect. Here are several online platforms to explore:

The mixed reactions from consumers can leave you wondering how your experience will be. But understanding that Freedom Plus aims to help you pay your debt and not complicate your life will help you have a better experience. Here is what De’von Cross had to say about his experience with them:

“Marci was truly a valuable representative in assisting me through the process. She gave me budgeting and payment tips to help me along the way and proved that she'd be a valuable resource for me during the course of my loan repayment. She's patient, understanding, and personable. A true gem.”

Know your rights under FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides clear rules to ensure fair and respectful debt collection practices. Understanding these protections can help you go through the process without unnecessary stress. Here are some guidelines under the FDCPA:

  • Debt collector’s communication should always remain professional and respectful.
  • Debt collectors must respect your request to stop contacting you at work if you inform them it’s prohibited.
  • Any communication by debt collectors must be honest and transparent.
  • Debt collectors must provide detailed information about the debt, including the amount owed, the name of the original creditor, and your rights to dispute the debt.
  • If you believe the debt is not yours or the amount is incorrect, you have the right to dispute it.

Staying informed and proactive can make a big difference when interacting with Freedom Plus about a debt you owe.

Ensure you are talking to a Freedom Plus Agent

Not everyone who contacts you about a debt is a legitimate debt collector; some may be attempting to fraud you using Freedom Plus’s name. Gathering more details about their identity and credentials is important to ensure you're dealing with a genuine representative.

When speaking with someone who claims to be collecting a debt for Freedom Plus, consider asking for the following:

  • Their full name
  • The company’s physical address
  • The company’s professional licensing number
  • A valid and active phone number

If the agent hesitates to provide this information or avoids answering your questions, it’s okay to end the call and seek verification through other means. Access to some of your personal information doesn’t automatically confirm a caller's legitimacy.

Send a debt validation letter

Requesting a debt validation allows you to confirm the debt is yours and gives you time to strategize how you will address the debt. You can do this by sending a debt validation letter requesting that they specify exactly how much you owe and information about the original creditor. You should also request a statement of notice declaring that you can dispute the debt within 30 days.

Debt validation is extremely beneficial because it:

  • Allows you to dispute the debt
  • Potentially helps save thousands of dollars by confirming how much you owe
  • Confirms that the debt actually exists
  • Helps you know your creditor

Consumers often have no idea how to draft a debt validation letter or what to include. Follow this link for a step-by-step guide on how to make this letter.

Dispute the debt

If you believe the debt Freedom Plus is attempting to collect is inaccurate, you can challenge it. Disputing a debt ensures you’re only held accountable for what you genuinely owe. Here’s how to get started:

  1. Collect any documents or details related to the debt, including statements, correspondence, or payment records.
  2. Request written validation of the debt. This will provide clarity on the debt’s origin and amount.
  3. File a formal dispute with credit bureaus if the debt appears on your credit report and you believe it’s incorrect.
  4. Save copies of all your correspondence and documents related to the dispute for future reference.

Taking these steps helps protect your rights and ensures accuracy in resolving any financial obligations with Freedom Plus.

What if Freedom Plus sues me?

If Freedom Plus has sued you, it’s important to take the right steps to protect your rights and ensure you’re handling the situation properly. Here’s a guide on how to respond if you find yourself facing a lawsuit from them:

1. Respond to the Complaint: The Complaint will contain several numbered paragraphs outlining the lawsuit against you. You should carefully read each one and decide how to respond. There are three ways you can address each paragraph:

  • Admit: If you agree with the information in the paragraph, admit it.
  • Deny: If you don’t agree, deny the paragraph and require the debt collector to prove its accuracy.
  • Lack of Knowledge: If you don’t have enough information to respond, you can say you don’t know and need more clarification.

Avoid admitting to all the allegations made to let Freedom Plus prove its claims.

2. Assert Your Affirmative Defenses: An "affirmative defense" is why the plaintiff (in this case, Freedom Plus) doesn’t have a valid case against you. Common defenses include:

  • The debt has already been paid.
  • The debt isn't yours.
  • The contract was canceled.
  • The statute of limitations has passed.
  • You were a co-signer but weren't informed of your rights.

You can add other defenses, but simply being unable to pay the debt is usually not a valid defense.

3. File Your Answer with the Court and Plaintiff
After you've responded to the paragraphs and listed your defenses, the next step is to file your answer with the court and send a copy to the plaintiff’s attorney. Here’s how to do it:

  • Print two copies of your Answer.
  • Send one copy to the court.
  • Send the second copy to the Freedom Plus attorney (you’ll find their address in the Summons and Complaint).

Solo can help you file an Answer within minutes. Filing an Answer will block a default judgment, but it’s only the first step to resolving a lawsuit. Watch the court docket for scheduled hearings and show up in court if you have to. You can also negotiate outside of the court setting to settle the debt and avoid court costs and fees.

Settle with SoloSettle

Make an Offer

Settle the debt with Freedom Plus

Debt settlement is an effective way of handling your debt situation and improving your credit score with time. It involves asking Freedom Plus to take an amount lower than the original debt. Here are the steps to help you get started:

  1. Start by evaluating your income, expenses, and savings. This will help you understand how much you can realistically afford to offer toward settling your debt.
  2. The next step is to initiate communication with Freedom Plus. It’s typically a good idea to do this in writing, as this helps keep a clear record of all your interactions.
  3. Prepare a written proposal to offer a portion of the debt as payment in full. It's best to start with a lower offer, as this allows for negotiation.
  4. If Freedom Plus counters your offer, be ready to negotiate. Stay focused on what you can afford to pay, and avoid agreeing to terms that would strain your finances.
  5. Once you and Freedom Plus reach an agreement, request a formal written settlement agreement. This document should outline the terms, including the agreed-upon amount and a statement confirming that the debt will be considered settled after the payment is made.
  6. Finally, ensure you make the payment as agreed. Paying on time will help you honor your agreement and avoid further complications.

For more information on how to settle your debt, check out these negotiation tips from an attorney:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Debt collection FAQs

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Debt collection documents and templates

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Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

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Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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