Before you talk to Freedom Debt Relief, consider talking to a Credit Counselor at a Non-profit agency. You can find one in your area by going to the following website. https://nfcc.org/locator/.
They can take a look at your situation and perhaps come up with other options. Often times, they can put you in a program that will lower the payment, lower the interest rate, or both. It’s worththe discussion and research. Good Luck!