How Debt Settlement Works

Expert Negotiation

The current unsecured debts you owe will negotiated by our experienced settlement department. In general our clients experience a dramatic debt reduction and look forward to being debt free within 36 months.

Quickly pay off debt
Become debt free in 36 months or less

Our client’s goal is to avoid bankruptcy, and resolve their debt within 18-36 months. Because our clients pay back less, it is widely accepted as the fastest and least expensive way to get debt free, without filing bankruptcy. Total Financial Freedom aims to negotiate on your behalf, saving you thousands, and getting you back on the road to financial independence!

No hidden fees – One affordable monthly payment

You also have the convenience of one low monthly payment, which includes all fees. It is based on your current financial situation. Without obligation, a debt relief consultant can explore your options and arrive at one affordable monthly payment.

Save thousands
Take Control Of Your Financial Future Now

Our debt negotiation practices are targeted toward the principal balance owed. Our settlement department’s goal is to pay back a mutually agreed sum to each creditor for an amount less than owed. Total Financial Freedom enables its clients to save large sums off the principal balances owed. In addition, our settlement advisors share a mutual interest with your financial success. In fact, a portion of their income derives from how much they save you. Our goal is to save you as much as possible and deliver you to financial independence as quickly and efficiently as possible.

Personal Trust Account – In your name, under your control
24 hour Online Access

Utilized throughout the course of the program is a third party trust account in your name, not ours. All settlements are executed from a third party trust account, exclusively in your control. All clients have the right to confirm or deny any settlement proposed. During the entire process clients have online access 24 hours per day to review their transaction history.

I am so glad to have contacted TFF , they have been very helpful and professional and my debt continues to fizzle away under their know how, I greatly recommend them to anyone.
this company has helped me so much. just when I thought there was no luck in getting back on my feet. they helped me get back to where I need to be. the people who work there explained things to where I could understand and they were very professional.they have made my life a lot easier and I would recommend them to anyone.
TFFUSA was a Godsend for me. They showed me the path to being debt-free. I am nearly finished with the program and I can only say that if you’re like millions of Americans in debt for whatever reason, you need to get with TFFUSA immediately. Very helpful staff and you will not be left guessing what’s next; they tell you how it works and provide you your target date, etc. Just follow their program and watch your debt drop and credit score grow. You cannot go wrong. They actually saved my career.
Such and easy company to deal with …. super friendly, amazing customer service!! If you have questions they take the time to not just answer but explain your options … I highly 5 STAR ⭐️ ⭐️⭐️⭐️⭐️ recommend if you’re in debt!’
Very friendly, and helpful. They help you get out of debt fast and (unlike bankruptcy) it doesn’t hurt your credit score and all your information is private! They deal with everything for you and make it easy to save money and to finally achieve financial freedom!
This is the best company you could ever work with to get your credit card balance down. They explained every step of the process so clearly to me that I was very comfortable putting my financial needs in their hands. Through the whole process of lowering my credit card debt to less than half what I owed they were there every time I needed them on a telephone easing my worries and fears. It’s a great team with great work ethics. Great results thank you.
TFF were very easy to work with, & they settled our accounts for a fraction of what they would have cost us otherwise. Representatives were professional and helpful. We will use them again if we ever need to. We highly recommend them!
The entire staff at TFF have been extremely successful at resolving my debt. In addition, since my husband’s death they have been very responsive to my needs and this was very reassuring to me through what has been a very difficult time.
I am nearly done with the program at TFF and I have had only positive experiences with them. The entire staff has been responsive to my concerns and offered helpful advice. There is no way I could have done this on my own. There is light at the end of the tunnel!
With a monthly payment roughly equal to the amount of my minimum card payments (which were getting me nowhere) Total Financial Freedom got my debts settled and paid off in around 2 years time. When I started the program I owed about $10,000. Now that’s gone.
I can’t say enough great things about this company and the staff. They save you thousands of dollars. Don’t panic just give them a call
Have nothing but great things to say. I called after realizing I couldn’t get out of the awful debt cycle. They’ve been super helpful and kind (I was so nervous to call). They answer all my questions and can tell they are really working for me. I recommend them to anyone who is looking for help. This people here are great!! Thank you so much!!
Has literally saved my financial life. After several hardships, my debt was spinning out of control They are very thorough and communication is good. They always understood my needs. I’m almost done
Great company have patience and they will get the job done!!!
Positive, kind, easy to talk to and so helpful! I highly recommend TFF. Incredible service, personal and genuinely care about helping me resolve my financial needs, and attain a level of financial freedom that I thought would take much longer. I am amazed at how quickly my financial concerns have been & are being resolved!!
They Are The Best Financial Freedom LLC So Far I’ve Been Through With Them They’ve Been Getting My Depts Done
Great company!! I’ve been working with total financial freedom for the last 6 months and they’ve managed to get a few of my debts settled and paid off. I like that they communicate with me and let me know the progress of everything that is going on!! Would recommend to everybody anyday!!
Outstanding customer service from a team who cares. After years of living under a mountain of debt, I finally have peace of mind and the freedom to save, to build financial health. TFF has not only allowed me to save and live comfortably once more, they have cut my debt to a fraction of what it was by negotiating away outrageous fees and interest rates designed to keep us trapped in endless cycles of paying back old debts that never seem to shrink.
I started out not know what I was going to do. The day came and I called in and talked with a guy named Joseph. We started off as buisness and now I feel as if I can call him my friend. Joseph and his entire staff are great to work with. Thank you Thank you Thank you
Our experience working with TFF was life changing and their execution of negotiating our debt was almost flawless. We entered the program with over $60K in debt and were told it would take 4-6 years. 2.5 years later all our accounts have been settled for less than 45% with less than a year until our last payment. So not only did they deliver with great customer service, we paid off our debt sooner than expected and couldn’t be more excited about our future. Have faith, not fear. 💸