Liberty Debt Relief Reviews

Liberty Debt Relief sent me a letter through the mail and I decided to go with them. The enrollment process was easy and took 30 minutes or probably less than that. Andrew, the rep, did good on explaining everything, and the way he explained things to me was very open, and it made me feel more confident about it. It seems like Liberty has been doing it for a while, since they got it locked down on the way they explain things and the way they work. It seemed they already had all the info, which is probably why they sent me the letter. The way they helped out, I’m hoping that I don't have to use them again. It's not a good feeling, but it is good to know that there are companies out there that are like Liberty, helping out people who need help paying off their bills.

If Liberty Debt Relief is your only option, sometimes it can be the best one. Their rep was personable and had good energy. We cracked a couple jokes because he had said something that related to a meme. He had good information and insight. He seemed to know what he was talking about. Liberty told me the experience should be okay. But it's frustrating having to take the steps that I need in order for them to take over. But I'm happy that I went with them. It eased up a lot of mind time. It took a lot of burden off of my shoulders. I hope and pray that it's going to go smooth.

Enrolling with Liberty Debt Relief was painless and easy. I just started three months ago, and they've already got three of eight of my creditors with that program. They’re very helpful. I’m very happy, much more than that I expected to be. The program is gonna be running till around the middle of 2027 and the cost is less than what I was paying to pay all the bills. It could have been a little less as that would have been a little easier of a financial strain but I understand. They have to receive what their fee is as well.

I saw Liberty Debt Relief on Facebook one day, and I called and inquired about the service. I was wanting to borrow some money to try to get out of debt, and they talked me into debt consolidating what I have into one payment and trying to get me out of this mess I’m in. The lady was super helpful and got all the details. Within an hour or so, she had it worked out over the phone and had me on a plan. This is my second year with Liberty Debt Relief, and it's been great so far. They're very helpful. Every time I call, they're on point. If not, somebody will call me back, usually, within five minutes. The website is a little difficult from time to time but their customer service is excellent. They send me monthly statements or emails of my progress and settlement.

When I looked Liberty Debt Relief up, they seemed to have a really good reputation. I've been getting a lot of mailers and most of them seem like places with really bad reputations. They're gonna do a debt relief program, but then they're gonna bait and switch you into a loan that they service. But when I talked to the gentleman at Liberty, I had a lot of questions, and all of his answers were good so I went ahead and tried them out for their debt relief program, where I stop paying my creditors while they negotiate. They start negotiating once I have enough money in my dedicated account so that there is money to negotiate with.

The setup was easily handled over the phone. I am happy with the helpful and pleasant customer service. I am satisfied with how my experience is going. Almost one year completed and only one year to go. Thank you.

I can’t leave an accurate review as I haven’t been in the program long enough to see any negotiations and/or bills paid. I can say that Liberty has a quick response time which is reassuring. So far so good as far as I can tell.

Liberty has been very helpful. I wish they would have been more transparent about the whole process because now I know they're not gonna take over my debt up until three or six months from now once I get a charge up on every single card and they can buy the debt for pennies on the dollar. So, I might just cancel the whole thing because that's gonna ruin my credit for years to come, as opposed to for a shorter time. That was the only part that was not explained to me. I should have known. I sell cars, and I'm tapped in how the finance world works. So, I should have known. I was stupid. But they know their craft.

When I first started with Liberty Debt Relief, I had a different View about the whole program. I was concerned, cause I couldn't make my monthly payments anymore. I am a person who always made my payments earlier and I always paid more than the minimum payment. Every time I called, I always had someone explaining it to me, so I realized after a few months, that the debt relief program, was a big help and I already got one settlement. I would recommend it anytime!

I have asked them to close my account repeatedly and asked for proof of termination of my account. I was told I was going to have an agent call me within the next 24-48 hours on three separate occasions days apart. It has been two weeks and I am not certain if they have terminated my account as was requested. I asked them to do a full pay off to my debtors and they agreed no money was to be taken out until they reached pay off negotiations and yet I had emails reminding me I had a payment coming. I asked for a stop pay in which they did but then they redid a payment so I told them I no longer authorize any further ACHs or debits. I let them know I was recording our conversations as well (which I did) and nothing better come out of my account. So far they have not tried to pull any further but my payments are paused and no one has verified my account is terminated as requested.

Communication is awful and a couple weeks ago I expressed I want to cancel my account and get my refund. I was responded to by Cody who said payments have been paused and a rep would be in contact with me. Since then, not one peep. I’ve sent numerous emails and get zero response.

Liberty Debt Relief program has been a nice experience for me, since I signed up a year or so ago, I'm very amaze how quick and easy the plan has worked. One of the credit cards has already been paid off, thanks Liberty.

I have spoken with several representatives and asked when things would be settled and they never have a definitive answer. I have been doing this since October 2025 and nothing has happened yet? I am dealing with a lot of phone calls from my creditors and I don’t have any answers for them. I am very frustrated with this program!

Hello, I would like to start by saying that over seven months ago, I was told you would take over my debt and that, in return, I would make payments to you—payments not much different from what I would be paying once the original debt was settled. As I mentioned, seven months have passed—the timeframe you gave me for clearing the debts—yet I am still receiving emails stating the debts remain outstanding. You keep telling me you are working on it, but honestly, I see no progress whatsoever. As far as I am concerned, you are in breach of the contract; you are punctual when it comes to collecting payments, but not when it comes to the actual service I hired you for. I would not recommend you to anyone. I'm giving them one star because they don't allow anything less.

Joined in January and have gotten a settlement on one of the debts quickly. However; a credit union that is stating they haven’t heard from Liberty has turned us over to all bureaus and is threatening legal action. We feel like you could send a little something to both debtors to keep them satisfied. That is the only problem I see. Except the website is not user friendly. Cannot see at a click all that is important.

Liberty Debt Relief respond to my calls and emails quickly. They have helped me with my debt. I no longer receive calls from debt collectors. I have been very satisfied with the service they have provided.

I was promised a walkthrough and guidance when I signed the contract but I can rarely get ahold of the agent I made the deal with. It’s been 5 months of paying LDR and still nothing has been resolved. The credit companies continue not only calling me and emailing me daily but have extended to reaching out to my family members. I see absolutely no progress in this journey.. almost makes me feel I should have just dealt with the creditors myself because I don’t feel I’m being assisted at all.

So I'm not super satisfied with this at this moment in time. It was explained to me that I would pay Liberty Debt Relief and all of my accounts would go to zero. We discussed this they walked me through the process and how it would go. I have never missed a payment on any of my accounts, I simply had a bit more than wanted to on my cards and was gaining a bit more in interest than I anticipated. But I always made at least the minimum payment on time, most of the time I paid early.

Liberty Debt Relief has been a great experience. They are friendly, informative, and reassuring. They always keep me updated on the progress of the program. They went over each step of the program in detail and even gave me financial advice which I appreciated. I would definitely recommend this program to my friends and family. Liberty debt relief was an easy and smooth process.

One of the most annoying things with Liberty is that after you get a settlement offer they want you to pay a large amount of money upfront or they want to increase your payment for the next six months. Most people can’t afford this and is probably the reason they consolidated in the first place.

Liberty Debt Relief has met my expectations in my case. Helping me take care of debt that had gotten out of hand. They let me know when a company is paid off and any other situation needed to be taken care of. They are very professional.

I've had two settlements in the first 6 months. Making my payments. It's a bit unnerving to keep getting calls from collection but worth the results. Information is clear, and support available. Website is easy to follow results and gives n you many options. Thank you Liberty Debt.

Customer service poor, a lot of hidden fees, 0 account monitoring. No one seemed to be truthful about what was actually being charged to me, very hard to get someone on the phone. In the beginning they are pushy for a settlement but once they settle and they start getting paid they seem to not look for other account settlements. I called my loans directly and settled easier than I did with Liberty. Canceled my account after really looking into the numbers and realizing a lot of my moneys going to fees. Marco ** senior account specialist was one of the best to speak to about my account. Alice ** customer service manager was by far the best customer service I had my entire time at liberty debt. My advice is to ask for the fee breakdown when they give you the amount they are saying they will save you. If I were to continue my account I was paying more than my initial enrolled debt.

I chose Liberty Debt Relief due to reviews I had read. My agent Ken has been very helpful in getting my debts negotiated. I have had good response. Two of my debtors have accepted the negotiation. I'm pleased with the monthly payment I pay LDR. The payment is less than what I was paying every month. It's comforting knowing I can be out of debt in 48 months.

I have only been with Liberty Debt Relief for a few months, just did my third payment and everything is going smoothly. If I need to ask a question I have numbers to call or email any concerns. I have already had one creditor going with a settlement. So far I am very satisfied with how this is going. Thank you.

My overall experience with Liberty Debt has been pretty good. Just set me up a contract for a certain amount to be paid every month. I've been with them for about a year. They've been helping me to all the process. I am happy with them thus far. I have not needed to pay any extra. My contract is for 3 years. No extra fees, no gimmicks. I am happy with them thus far. I have settled with three out of my six or seven credit card companies. It's been an easy experience. I don't have to deal with them or my correspondence. I send them to Liberty debt and they take care of it. So far I have not been harassed by any collection agencies. Overall it's been a great experience. I recommend this company to anyone and I thank them for the work they do. GOD bless.

Liberty Debt Relief has been excellent ever since the beginning. They helped me with everything, especially in the beginning when it was a very nervous situation. I’m really appreciative of their professionalism and their kindness and I would suggest anyone to use your service.

Great people over there. They always answer. I was about to switch to a different company and ended up staying because instead of trying to hold me they gave me advice and helped. They really care. Thank You.

So far it's been a little hard, the phone calls are relentless, even 9 and 10 o'clock even on Sunday. Although I'm convinced I'm doing the right thing, my wife is worried some. She feels the same as I do, we're on the path to get out of the rut we were in. Thanks guys. RSM

Liberty Debt Relief Sucks. They lie about everything. They're initial representative lied about their program, how much it cost, what my savings would be and how I would be treated. Subsequent representatives also lied about my program. Not telling me my credit score would drop over 100 points and that my Settlement Offer plus their fees would almost be the same as my actual bill, plus I'd have 20 months of additional bills. I canceled my plan and of course they cannot give me a full refund. I will sue them when I get my refund back. Beware - this is a scam.

I was honestly very terrified at first going by through this process. I always had good credit but I couldn’t afford to pay the monthly anymore and Liberty Debt Relief just made it easy and took care of everything. The first few months my credit dropped but now it’s picking back up as I have taken care of all my debts. 100% recommend.

I turned to Liberty Debt Relief when my debt was out of control. I paid the first payment but changed my mind when my finances took a turn for the better. (inheritance). I called them within a week to cancel my participation in the plan. They understood and refunded me quickly less $100 or so for their efforts. AAA+ rated by BBB. No problems.

Honestly, I’m pretty disappointed with my experience so far. I’ve been using their services since January and they’ve only settled one account. Here we are going into July… More than half way through the year. Every time I inquire about my accounts, I’m just told to be patient…. Patient for what exactly? The only time someone reaches out to me is when I tell them I’ve had it with them not doing anything and want to cancel. Then they give me a speech about how they’re working on it. Again, I’ve seen nothing but one account handled since January… But they’re happy to take my money every month like clockwork. Don’t expect a call from them either…. All I ever get are emails that look automated. Definitely disappointed.

Excellent and I have been joined last April 2025 (14 months) and I have no problem with a Liberty Debt Relief and great. And also they are friendly and they are good patience with me. I'm deaf/usher syndrome.

There is not much communication as far as where LDR is at with the creditors. I do get a generic response when I forward correspondence, however there’s nothing beyond that. Being in the program almost a year, I’d like to have heard more about the progress of my account.

Empty promises, was told my debt would be cut in half, they already had agreements with creditors. None of which was true. Was told not to pay off my debt on my own whenever I got higher paying job. Was told I’d get a settlement within the next couple weeks and wouldn’t be charged the next month until I got a settlement. Tried to still charge me anyway a month later with still none of my loans settled. Cancelled the program and am paying my debts myself but my credit score has dropped significantly since they told me to stop paying.

I’m so glad to have contacted you to handle my business. The many calls and questions you handle has given me plenty of clarity and time to concentrate in some other important things so keep up the good work. Thanks.

I've been very pleased with the results so far. They are helpful and pleasant anytime I've been in contact with them. It has taken most of the stress and worry of my finances off my shoulders. I would recommend them for sure.

They have been great consolidating my debt. Wish they could reach out to ALL debt collectors at one time tho. But they have done great with the 3 out of 7 they reached so far. Being in debt is already stressful enough.

I am so grateful for the better deals and supportive responses I received from the team here. They answered all of my questions thoroughly and guided me every step of the way. Truly a helpful and professional experience!