How to Settle Debt With Freedom Plus (Now Achieve Personal Loans)

Dealing with Freedom Plus debt collectors can feel overwhelming. You have rights, and you have options.

Knowing how to respond protects your finances and your peace of mind. The right approach can save you thousands of dollars and resolve the debt faster.

Freedom Plus helps creditors recover money through debt collection. They also offer debt consolidation under their new name, Achieve Personal Loans. Understanding who they are and how they operate gives you leverage in negotiations.

Understanding Freedom Plus and Achieve Personal Loans

Freedom Plus rebranded to Achieve Personal Loans. They focus on debt consolidation and personal loan services.

The company helps individuals manage debt while also collecting on behalf of creditors. Their dual role means they understand both sides of debt resolution.

You can reach them through these channels:

• 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/

Companies Freedom Plus Collects For

Achieve Personal Loans collects debts for multiple types of creditors. They work with various industries to recover outstanding payments.

Freedom Plus may be collecting on behalf of:

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

Knowing the original creditor helps you verify the debt. You have the right to request this information before making any payments.

Research Freedom Plus Reviews Before Engaging

Consumer experiences with Freedom Plus vary widely. Reading reviews helps you set realistic expectations for your interactions.

Check these platforms for balanced feedback:

• Better Business Bureau reviews and ratings
• CFPB Consumer Complaint Database entries
• Trustpilot consumer reviews

Many consumers report positive experiences when approaching negotiations with patience. Freedom Plus aims to help you resolve debt, not create additional stress.

Understanding their business model helps you communicate more effectively. Professional, informed conversations typically yield better settlement terms.

Your Rights Under the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act protects you from abusive collection practices. Federal law gives you specific rights when dealing with debt collectors.

Freedom Plus must follow these FDCPA requirements:

• Maintain professional and respectful communication at all times
• Stop contacting you at work when you request it
• Provide honest and transparent information about the debt
• Send detailed documentation including amount owed and original creditor
• Honor your right to dispute the debt within 30 days

Collectors cannot harass, threaten, or deceive you. They cannot call before 8 AM or after 9 PM.

You can request all communication in writing. Knowing your rights changes the power dynamic in your favor.

Document every interaction with Freedom Plus. Keep records of calls, letters, and payment agreements.

Verify You’re Speaking With a Legitimate Freedom Plus Agent

Scammers often impersonate legitimate debt collectors. Protecting yourself from fraud requires careful verification.

Demand this information from anyone claiming to collect for Freedom Plus:

• The agent’s full name and employee ID
• Company physical address
• Professional licensing number
• Valid callback phone number

Legitimate collectors provide this information without hesitation. Scammers dodge questions or pressure you to pay immediately.

Hang up if someone refuses to verify their identity. Call Freedom Plus directly using the number from their official website.

Never share sensitive financial information until you confirm legitimacy. Access to some personal details doesn’t prove someone works for Freedom Plus.

Send a Debt Validation Letter to Freedom Plus

Debt validation is your first line of defense. You have 30 days from initial contact to request validation.

A debt validation letter requires Freedom Plus to prove:

• The exact amount you owe
• The original creditor’s name
• Their legal right to collect the debt
• Your right to dispute within 30 days

Validation letters protect you from paying debts you don’t owe. They can save you thousands by confirming the accurate balance.

Send your letter via certified mail with return receipt. Keep copies of all correspondence for your records.

Freedom Plus must pause collection efforts until they provide validation. They cannot report the debt to credit bureaus during this period.

Our partner Solo can help you draft and send a debt validation letter. Getting the facts straight gives you negotiating power.

How to Dispute a Freedom Plus Debt

Disputing inaccurate debts protects your credit and your wallet. You’re only responsible for legitimate debts you actually owe.

Follow these steps to dispute a Freedom Plus debt:

1. Gather all documents related to the alleged debt
2. Request written validation showing proof of the debt
3. File disputes with all three credit bureaus if needed
4. Keep copies of every letter and email you send

Disputes must be in writing to create a paper trail. Phone calls don’t provide the same legal protection.

Credit bureaus have 30 days to investigate your dispute. Freedom Plus must provide evidence or remove the debt from your report.

If they cannot validate the debt, they must stop collection efforts. Persistence pays off when disputing questionable debts.

Responding to a Freedom Plus Lawsuit

Getting sued by Freedom Plus requires immediate action. Ignoring a lawsuit guarantees you’ll lose.

You must file an Answer to the lawsuit before the deadline. The Summons tells you exactly when your response is due.

Review and Respond to Each Allegation

The Complaint contains numbered paragraphs with specific claims. You must respond to each one individually.

Your three response options are:

• Admit: Agree with the statement if it’s completely true
• Deny: Dispute the claim and force Freedom Plus to prove it
• Lack of Knowledge: State you don’t have enough information to respond

Never admit to allegations you’re unsure about. Make Freedom Plus prove their case with evidence.

Assert Your Affirmative Defenses

Affirmative defenses explain why Freedom Plus shouldn’t win the lawsuit. Strong defenses can get the case dismissed.

Common defenses against Freedom Plus include:

• The debt was already paid in full
• The debt belongs to someone else
• The statute of limitations has expired
• You never signed the original contract
• You were a co-signer not properly informed of your rights

Inability to pay is not a valid legal defense. Focus on defenses that challenge Freedom Plus’s right to collect.

File Your Answer With the Court

After completing your Answer, you must file it properly. Missing this step means automatic loss.

Filing your Answer requires three actions:

1. Print two copies of your completed Answer
2. File one copy with the court clerk
3. Send the second copy to Freedom Plus’s attorney

Our partner Solo helps you draft and file your Answer in minutes. Filing blocks a default judgment and keeps your case alive.

Watch the court docket for hearing dates. Show up to every scheduled court appearance.

You can still negotiate a settlement after filing your Answer. Most debt collection lawsuits settle before trial.

Negotiating a Settlement With Freedom Plus

Debt settlement resolves your obligation for less than you owe. Freedom Plus often accepts reduced payments to close accounts.

Successful settlement requires preparation and strategy. Follow these steps to negotiate effectively:

1. Calculate your total monthly income and expenses
2. Determine the maximum lump sum you can afford
3. Contact Freedom Plus in writing to initiate settlement discussions
4. Start with an offer of 30-40% of the debt balance
5. Negotiate higher only if necessary to reach agreement
6. Demand a written settlement agreement before paying
7. Make the agreed payment on time

Your settlement agreement must state Freedom Plus will consider the debt paid in full. Without this language, they could continue collection efforts.

Never provide bank account information for automatic withdrawals. Pay by check or money order for better records.

Settlement affects your credit report but resolves the debt. A settled account is better than an outstanding collection.

Getting professional help improves your settlement terms. Our partner Solo specializes in negotiating with collectors like Freedom Plus.

Document Everything With Freedom Plus

Paper trails protect you throughout the debt resolution process. Documentation proves what was said and agreed upon.

Save these important records:

• All letters from Freedom Plus
• Your written responses and validation requests
• Settlement agreements and payment confirmations
• Court documents and filed Answers
• Notes from phone calls with dates and names

Request confirmation numbers for every payment you make. Take screenshots of online payments.

Store digital and physical copies in a safe place. You may need these records for years.

Good documentation becomes evidence if Freedom Plus violates your rights. It also prevents future disputes about payment.