BBB A+ ACCREDITED · Rhode Island · SINCE 2008

We started TFF because families deserved a better way out of debt.

For over 15 years, Total Financial Freedom has helped more than 1,000 families across the United States reduce their debt and reclaim their financial independence — without bankruptcy, without judgment, and without the stress of going it alone.

Thousands of

Families Helped

15+

Years in business

BBB A+ Rated

Accredited Business

4.9 / 5

Google Reviews

Our story

Total Financial Freedom was founded with one mission: to help individuals and families break free from overwhelming debt and regain control of their financial future—without automatically resorting to bankruptcy.
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For nearly two decades, we have helped clients navigate financial hardship with compassion, integrity, and personalized solutions. We understand that every financial situation is different, which is why we take the time to evaluate each client's circumstances and develop a strategy designed to help them move toward lasting financial freedom.
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Our founder's passion for financial education extends beyond helping clients one-on-one. He is the published author of The Debt Dietitian's Blueprint for Financial Fitness, a practical guide that empowers readers to better understand debt, budgeting, and the
steps needed to build a stronger financial future. This book has been seen on Fox News, CBN and HGTV. That same educational approach is woven into every conversation we have with our clients—we believe informed decisions lead to better outcomes.
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Today, Total Financial Freedom continues to combine experience, personalized service, and proven debt relief strategies to help consumers reduce financial stress and create a clear path toward a debt-free future. Every phone call we answer, every negotiation we conduct, and every client we serve is guided by the same commitment that inspired our company from the very beginning: helping people achieve lasting financial freedom with honesty, respect, and compassion.

What we believe

Transparency above everything

We explain every step of the process before you commit to anything. You will know exactly what your monthly payment is, exactly how long the program will take, and exactly what happens to your money. No surprises, no hidden fees, no fine print that contradicts what we told you.

Your success is our success

Our fee structure is performance-based — a portion of our advisors' income is tied directly to how much they save you. This is by design. We want our financial incentive aligned with yours from day one. The better the outcome for you, the better the outcome for us.

Every family deserves a custom solution

We do not offer pre-packaged programs. Every client who comes to TFF receives a program designed specifically around their income, their debts, and their goals. Two families with the same total debt may need very different programs — and we take the time to understand the difference.

Dignity through the entire process

Financial hardship is stressful enough without being made to feel judged or pressured. Everyone at TFF understands this. From the first call to the final settlement, we treat every client with the respect and care their situation deserves. This is not a transaction — it is a relationship.

What Makes TFF Different

We negotiate on the principal — not just the interest rate

Most debt relief companies or credit counseling programs focus on reducing your interest rate. You still pay back the full balance — just over a longer period. TFF's approach is fundamentally different: we negotiate on the actual principal balance owed. This is why our clients save more and finish faster.

Your money stays in an account you own and control

Throughout the program, your monthly payment goes into a third-party trust account that is in your name — not ours. You have 24-hour online access to review every transaction. You approve every settlement before it is executed. TFF never has unilateral access to your funds.

Independently owned and operated

TFF is not a national franchise or a large corporation. We are an independently owned and operated firm based in Winthrop, Massachusetts. This means the people who answer your calls are the same people who are working on your accounts. You are never a case number — you are a client with a name and a story.

No upfront fees

Unlike some other companies in this industry, TFF does not charge large upfront fees before beginning work on your accounts. Our fees are built into your program payment and earned over the course of the program — not collected before we have demonstrated results.

A proven track record since 2008

TFF has been BBB A+ accredited since 2008 — one of the most rigorous consumer trust standards in our industry. We have maintained that rating through more than 15 years of operation because we operate the way we say we do. Our 127+ five-star Google reviews are not marketing — they are the direct result of that commitment.

What our clients say

"Our experience working with TFF was life changing. We entered with over $60K in debt. 2.5 years later all our accounts were settled for less than 45% — and we finished sooner than expected. Have faith, not fear."

Brian & Michelle C.

"I started out not knowing what I was going to do. I called and talked with Joseph. We started off as business and now I feel like I can call him my friend. Joseph and his entire staff are great to work with."

Chace P.

"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."

Jeanne C.

The people behind TFF

We are not a call center. When you reach out, you are speaking with a dedicated consultant who will know your name, understand your situation, and work with you from the first call to the final settlement.

What every member of the TFF team shares is a genuine commitment to the clients we serve — the same commitment that has guided us since 2008.

Accreditations & memberships

Better Business Bureau — A+ Accredited

TFF has maintained an A+ rating with the Better Business Bureau since 2008. BBB accreditation requires meeting specific standards of business behavior, maintaining a commitment to resolve consumer complaints, and adhering to a code of advertising and selling practices. An A+ rating is the highest possible BBB rating and is not purchased — it is earned through consistent conduct over time.

USOBA — Member

TFF is a member of the United States Organizations for Bankruptcy Alternatives (USOBA), a national trade association for the debt settlement industry. USOBA membership requires adherence to a code of conduct and consumer protection standards established for the industry.

U.S. Chamber of Commerce — Member

TFF is a member of the U.S. Chamber of Commerce, the world's largest business organization. Membership reflects TFF's commitment to ethical business practices and participation in the broader business community.

Where to find us

TFF is based in Winthrop, Massachusetts — a small coastal community just outside Boston. We serve clients across the United States by phone and online. Our consultants are available Monday through Friday during business hours, and you can reach us at the number below to speak with someone directly.

MAILING ADDRESS

Total Financial Freedom LLC

13 Pauline St, Suite C
Winthrop, MA 02152

CONTACT

Mon–Fri · 9am–6pm EST

(866) 760-8019

Free · No commitment · Confidential

Ready to take the first step?

We have helped more than 1,000 families across the US find their path to financial freedom. Your free consultation takes 15 minutes and comes with no obligation of any kind. Let us show you what is possible for your situation.

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Or call us directly

(866) 760-8019

Mon–Fri · 9am–6pm EST